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LOANS AND LEASES AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2018
Receivables [Abstract] |
Loans and Leases Receivable | The following table presents the balances in the Company’s loans and leases portfolio as of the dates indicated:
($ in thousands) |  | NTM Loans |  | Traditional Loans and Leases |  | Total Loans and Leases Receivable
September 30, 2018 |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 1,673,055 |  |  | $ | 1,673,055 |
Commercial real estate |  | — |  |  | 823,193 |  |  | 823,193 |
Multifamily |  | — |  |  | 2,112,190 |  |  | 2,112,190 |
SBA |  | — |  |  | 71,494 |  |  | 71,494 |
Construction |  | — |  |  | 200,294 |  |  | 200,294 |
Lease financing |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |
Single family residential mortgage |  | 831,169 |  |  | 1,468,900 |  |  | 2,300,069 |
Other consumer |  | 3,132 |  |  | 69,866 |  |  | 72,998 |
Total loans and leases |  | $ | 834,301 |  |  | $ | 6,418,992 |  |  | $ | 7,253,293 |
Allowance for loan and lease losses |  |  |  |  |  | (57,782 | )
Loans and leases receivable, net |  |  |  |  |  | $ | 7,195,511 |
December 31, 2017 |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 1,701,951 |  |  | $ | 1,701,951 |
Commercial real estate |  | — |  |  | 717,415 |  |  | 717,415 |
Multifamily |  | — |  |  | 1,816,141 |  |  | 1,816,141 |
SBA |  | — |  |  | 78,699 |  |  | 78,699 |
Construction |  | — |  |  | 182,960 |  |  | 182,960 |
Lease financing |  | — |  |  | 13 |  |  | 13 |
Consumer: |  |  |  |  |  |
Single family residential mortgage |  | 803,355 |  |  | 1,252,294 |  |  | 2,055,649 |
Other consumer |  | 3,578 |  |  | 103,001 |  |  | 106,579 |
Total loans and leases |  | $ | 806,933 |  |  | $ | 5,852,474 |  |  | $ | 6,659,407 |
Allowance for loan and lease losses |  |  |  |  |  | (49,333 | )
Loans and leases receivable, net |  |  |  |  |  | $ | 6,610,074 |
Non Traditional Mortgages Portfolio | The following table presents the composition of the NTM portfolio as of the dates indicated:
|  | September 30, 2018 |  | December 31, 2017
($ in thousands) |  | Count |  | Amount |  | Percent |  | Count |  | Amount |  | Percent
Green Loans (HELOC) - first liens |  | 91 |  |  | $ | 70,470 |  |  | 8.4 | % |  | 101 |  |  | $ | 82,197 |  |  | 10.2 | %
Interest-only - first liens |  | 517 |  |  | 757,135 |  |  | 90.8 | % |  | 468 |  |  | 717,484 |  |  | 88.9 | %
Negative amortization |  | 11 |  |  | 3,564 |  |  | 0.4 | % |  | 11 |  |  | 3,674 |  |  | 0.5 | %
Total NTM - first liens |  | 619 |  |  | 831,169 |  |  | 99.6 | % |  | 580 |  |  | 803,355 |  |  | 99.6 | %
Green Loans (HELOC) - second liens |  | 11 |  |  | 3,132 |  |  | 0.4 | % |  | 12 |  |  | 3,578 |  |  | 0.4 | %
Total NTM - second liens |  | 11 |  |  | 3,132 |  |  | 0.4 | % |  | 12 |  |  | 3,578 |  |  | 0.4 | %
Total NTM loans |  | 630 |  |  | $ | 834,301 |  |  | 100.0 | % |  | 592 |  |  | $ | 806,933 |  |  | 100.0 | %
Total loans and leases |  |  |  | $ | 7,253,293 |  |  |  |  |  |  | $ | 6,659,407 |  |  |
% of NTM to total loans and leases |  |  |  | 11.5 | % |  |  |  |  |  | 12.1 | % |  |
Allowance for Loan and Lease Losses and Recorded Investment, Excluding Accrued Interest, in Loans | The following table presents a summary of activity in the ALLL for the periods indicated:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
($ in thousands) |  | 2018 |  | 2017 |  | 2018 |  | 2017
Balance at beginning of period |  | $ | 56,678 |  |  | $ | 42,385 |  |  | $ | 49,333 |  |  | $ | 40,444 |
Loans and leases charged off |  | (388 | ) |  | (959 | ) |  | (15,977 | ) |  | (4,214 | )
Recoveries of loans and leases previously charged off |  | 82 |  |  | 85 |  |  | 864 |  |  | 195 |
Provision for loan and lease losses |  | 1,410 |  |  | 3,561 |  |  | 23,562 |  |  | 8,647 |
Balance at end of period |  | $ | 57,782 |  |  | $ | 45,072 |  |  | $ | 57,782 |  |  | $ | 45,072 |
The following table presents the activity and balance in the ALLL and the recorded investment, excluding accrued interest, in loans and leases based on the impairment methodology as of or for the three and nine months ended September 30, 2018:
($ in thousands) |  | Commercial and Industrial |  | Commercial Real Estate |  | Multifamily |  | SBA |  | Construction |  | Lease Financing |  | Single Family Residential Mortgage |  | Other Consumer |  | Total
ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2018 |  | $ | 16,864 |  |  | $ | 5,732 |  |  | $ | 14,630 |  |  | $ | 1,840 |  |  | $ | 3,419 |  |  | $ | — |  |  | $ | 13,236 |  |  | $ | 957 |  |  | $ | 56,678 |
Charge-offs |  | (342 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (45 | ) |  | (1 | ) |  | (388 | )
Recoveries |  | 61 |  |  | — |  |  | — |  |  | 8 |  |  | — |  |  | 3 |  |  | — |  |  | 10 |  |  | 82 |
Provision |  | (40 | ) |  | 280 |  |  | 843 |  |  | 22 |  |  | (172 | ) |  | (3 | ) |  | 407 |  |  | 73 |  |  | 1,410 |
Balance at September 30, 2018 |  | $ | 16,543 |  |  | $ | 6,012 |  |  | $ | 15,473 |  |  | $ | 1,870 |  |  | $ | 3,247 |  |  | $ | — |  |  | $ | 13,598 |  |  | $ | 1,039 |  |  | $ | 57,782 |
Balance at December 31, 2017 |  | $ | 14,280 |  |  | $ | 4,971 |  |  | $ | 13,265 |  |  | $ | 1,701 |  |  | $ | 3,318 |  |  | $ | — |  |  | $ | 10,996 |  |  | $ | 802 |  |  | $ | 49,333 |
Charge-offs |  | (689 | ) |  | — |  |  | (8 | ) |  | (683 | ) |  | — |  |  | — |  |  | (524 | ) |  | (14,073 | ) |  | (15,977 | )
Recoveries |  | 158 |  |  | — |  |  | — |  |  | 240 |  |  | — |  |  | 12 |  |  | 436 |  |  | 18 |  |  | 864 |
Provision |  | 2,794 |  |  | 1,041 |  |  | 2,216 |  |  | 612 |  |  | (71 | ) |  | (12 | ) |  | 2,690 |  |  | 14,292 |  |  | 23,562 |
Balance at September 30, 2018 |  | $ | 16,543 |  |  | $ | 6,012 |  |  | $ | 15,473 |  |  | $ | 1,870 |  |  | $ | 3,247 |  |  | $ | — |  |  | $ | 13,598 |  |  | $ | 1,039 |  |  | $ | 57,782 |
Individually evaluated for impairment |  | $ | 122 |  |  | $ | — |  |  | $ | — |  |  | $ | 133 |  |  | $ | — |  |  | $ | — |  |  | $ | 640 |  |  | $ | 7 |  |  | $ | 902 |
Collectively evaluated for impairment |  | 16,421 |  |  | 6,012 |  |  | 15,473 |  |  | 1,737 |  |  | 3,247 |  |  | — |  |  | 12,958 |  |  | 1,032 |  |  | 56,880 |
Total ending ALLL balance |  | $ | 16,543 |  |  | $ | 6,012 |  |  | $ | 15,473 |  |  | $ | 1,870 |  |  | $ | 3,247 |  |  | $ | — |  |  | $ | 13,598 |  |  | $ | 1,039 |  |  | $ | 57,782 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 5,614 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,834 |  |  | $ | — |  |  | $ | — |  |  | $ | 22,364 |  |  | $ | 739 |  |  | $ | 30,551 |
Collectively evaluated for impairment |  | 1,667,441 |  |  | 823,193 |  |  | 2,112,190 |  |  | 69,660 |  |  | 200,294 |  |  | — |  |  | 2,277,705 |  |  | 72,259 |  |  | 7,222,742 |
Total ending loan balances |  | $ | 1,673,055 |  |  | $ | 823,193 |  |  | $ | 2,112,190 |  |  | $ | 71,494 |  |  | $ | 200,294 |  |  | $ | — |  |  | $ | 2,300,069 |  |  | $ | 72,998 |  |  | $ | 7,253,293 |
The following table presents the activity and balance in the ALLL and the recorded investment, excluding accrued interest, in loans and leases based on the impairment methodology as of or for the three and nine months ended September 30, 2017:
($ in thousands) |  | Commercial and Industrial |  | Commercial Real Estate |  | Multifamily |  | SBA |  | Construction |  | Lease Financing |  | Single Family Residential Mortgage |  | Other Consumer |  | Total
ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at June 30, 2017 |  | $ | 10,495 |  |  | $ | 5,126 |  |  | $ | 10,686 |  |  | $ | 1,084 |  |  | $ | 2,974 |  |  | $ | 3 |  |  | $ | 11,009 |  |  | $ | 1,008 |  |  | $ | 42,385 |
Charge-offs |  | (571 | ) |  | — |  |  | — |  |  | (58 | ) |  | — |  |  | — |  |  | (78 | ) |  | (252 | ) |  | (959 | )
Recoveries |  | — |  |  | — |  |  | — |  |  | 83 |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 85 |
Provision |  | 2,576 |  |  | 202 |  |  | 588 |  |  | 188 |  |  | 238 |  |  | (1 | ) |  | (564 | ) |  | 334 |  |  | 3,561 |
Balance at September 30, 2017 |  | $ | 12,500 |  |  | $ | 5,328 |  |  | $ | 11,274 |  |  | $ | 1,297 |  |  | $ | 3,212 |  |  | $ | 2 |  |  | $ | 10,367 |  |  | $ | 1,092 |  |  | $ | 45,072 |
Balance at December 31, 2016 |  | $ | 7,584 |  |  | $ | 5,467 |  |  | $ | 11,376 |  |  | $ | 939 |  |  | $ | 2,015 |  |  | $ | 6 |  |  | $ | 12,075 |  |  | $ | 982 |  |  | $ | 40,444 |
Charge-offs |  | (953 | ) |  | (113 | ) |  | — |  |  | (351 | ) |  | (29 | ) |  | — |  |  | (2,490 | ) |  | (278 | ) |  | (4,214 | )
Recoveries |  | — |  |  | — |  |  | — |  |  | 157 |  |  | — |  |  | 29 |  |  | 1 |  |  | 8 |  |  | 195 |
Provision |  | 5,869 |  |  | (26 | ) |  | (102 | ) |  | 552 |  |  | 1,226 |  |  | (33 | ) |  | 781 |  |  | 380 |  |  | 8,647 |
Balance at September 30, 2017 |  | $ | 12,500 |  |  | $ | 5,328 |  |  | $ | 11,274 |  |  | $ | 1,297 |  |  | $ | 3,212 |  |  | $ | 2 |  |  | $ | 10,367 |  |  | $ | 1,092 |  |  | $ | 45,072 |
Individually evaluated for impairment |  | $ | 195 |  |  | $ | — |  |  | $ | — |  |  | $ | 54 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 165 |  |  | $ | — |  |  | $ | 415 |
Collectively evaluated for impairment |  | 12,305 |  |  | 5,328 |  |  | 11,274 |  |  | 1,243 |  |  | 3,212 |  |  | 1 |  |  | 10,202 |  |  | 1,092 |  |  | 44,657 |
Acquired with deteriorated credit quality |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending ALLL balance |  | $ | 12,500 |  |  | $ | 5,328 |  |  | $ | 11,274 |  |  | $ | 1,297 |  |  | $ | 3,212 |  |  | $ | 2 |  |  | $ | 10,367 |  |  | $ | 1,092 |  |  | $ | 45,072 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 497 |  |  | $ | — |  |  | $ | — |  |  | $ | 377 |  |  | $ | — |  |  | $ | 41 |  |  | $ | 14,636 |  |  | $ | 364 |  |  | $ | 15,915 |
Collectively evaluated for impairment |  | 1,602,308 |  |  | 713,120 |  |  | 1,617,890 |  |  | 78,227 |  |  | 176,397 |  |  | 50 |  |  | 1,905,674 |  |  | 117,316 |  |  | 6,210,982 |
Acquired with deteriorated credit quality |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total ending loan balances |  | $ | 1,602,805 |  |  | $ | 713,120 |  |  | $ | 1,617,890 |  |  | $ | 78,604 |  |  | $ | 176,397 |  |  | $ | 91 |  |  | $ | 1,920,310 |  |  | $ | 117,680 |  |  | $ | 6,226,897 |
Loans and Leases Individually Evaluated for Impairment by Class of Loans and Leases | The following table presents loans and leases individually evaluated for impairment by class of loans and leases as of the dates indicated. The recorded investment, excluding accrued interest, presents customer balances net of any partial charge-offs recognized on the loans and leases and net of any deferred fees and costs and any purchase premium or discount.
|  | September 30, 2018 |  | December 31, 2017
($ in thousands) |  | Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan and Lease Losses |  | Unpaid Principal Balance |  | Recorded Investment |  | Allowance for Loan and Lease Losses
With no related ALLL recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,027 |  |  | $ | 4,990 |  |  | $ | — |  |  | $ | 471 |  |  | $ | 453 |  |  | $ | — |
SBA |  | 1,717 |  |  | 1,624 |  |  | — |  |  | 342 |  |  | 335 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 7,895 |  |  | 7,917 |  |  | — |  |  | 7,521 |  |  | 7,553 |  |  | — |
Other consumer |  | 554 |  |  | 557 |  |  | — |  |  | 4,664 |  |  | 4,663 |  |  | — |
With an ALLL recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 624 |  |  | 624 |  |  | 122 |  |  | 3,146 |  |  | 3,129 |  |  | 498 |
SBA |  | 222 |  |  | 210 |  |  | 133 |  |  | 635 |  |  | 609 |  |  | 435 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 14,343 |  |  | 14,447 |  |  | 640 |  |  | 7,090 |  |  | 7,146 |  |  | 277 |
Other consumer |  | 209 |  |  | 182 |  |  | 7 |  |  | 157 |  |  | 162 |  |  | 7 |
Total |  | $ | 30,591 |  |  | $ | 30,551 |  |  | $ | 902 |  |  | $ | 24,026 |  |  | $ | 24,050 |  |  | $ | 1,217 |
The following table presents information on impaired loans and leases, disaggregated by class, for the periods indicated:
|  | Three Months Ended |  | Nine Months Ended
($ in thousands) |  | Average Recorded Investment |  | Interest Income Recognized |  | Cash Basis Interest Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Cash Basis Interest Recognized
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,423 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,552 |  |  | $ | 4 |  |  | $ | 4 |
SBA |  | 1,240 |  |  | — |  |  | — |  |  | 756 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 20,908 |  |  | 60 |  |  | 50 |  |  | 20,299 |  |  | 175 |  |  | 146 |
Other consumer |  | 744 |  |  | 3 |  |  | 4 |  |  | 751 |  |  | 9 |  |  | 9 |
Total |  | $ | 28,315 |  |  | $ | 63 |  |  | $ | 54 |  |  | $ | 27,358 |  |  | $ | 188 |  |  | $ | 159 |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 506 |  |  | $ | — |  |  | $ | — |  |  | $ | 169 |  |  | $ | — |  |  | $ | — |
SBA |  | 378 |  |  | — |  |  | — |  |  | 126 |  |  | — |  |  | — |
Construction |  | — |  |  | — |  |  | — |  |  | 509 |  |  | — |  |  | — |
Lease Financing |  | 53 |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 14,673 |  |  | 57 |  |  | 45 |  |  | 11,904 |  |  | 142 |  |  | 134 |
Other consumer |  | 366 |  |  | 2 |  |  | 3 |  |  | 711 |  |  | 6 |  |  | 6 |
Total |  | $ | 15,976 |  |  | $ | 59 |  |  | $ | 48 |  |  | $ | 13,437 |  |  | $ | 148 |  |  | $ | 140 |
Aging of Recorded Investment in Past Due Loans and Leases | The following table presents the aging of the recorded investment in past due loans and leases, excluding accrued interest receivable (which is not considered to be material), by class of loans and leases as of dates indicated:
($ in thousands) |  | 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater than 89 Days Past due |  | Total Past Due |  | Current |  | Total
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |
NTM loans: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | $ | 6,079 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,079 |  |  | $ | 825,090 |  |  | $ | 831,169 |
Other consumer |  | 257 |  |  | — |  |  | — |  |  | 257 |  |  | 2,875 |  |  | 3,132 |
Total NTM loans |  | 6,336 |  |  | — |  |  | — |  |  | 6,336 |  |  | 827,965 |  |  | 834,301 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 2,074 |  |  | 2,960 |  |  | 2,955 |  |  | 7,989 |  |  | 1,665,066 |  |  | 1,673,055 |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 823,193 |  |  | 823,193 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,112,190 |  |  | 2,112,190 |
SBA |  | 514 |  |  | 514 |  |  | 788 |  |  | 1,816 |  |  | 69,678 |  |  | 71,494 |
Construction |  | 939 |  |  | — |  |  | — |  |  | 939 |  |  | 199,355 |  |  | 200,294 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 3,933 |  |  | 2,549 |  |  | 11,263 |  |  | 17,745 |  |  | 1,451,155 |  |  | 1,468,900 |
Other consumer |  | 442 |  |  | 4 |  |  | 263 |  |  | 709 |  |  | 69,157 |  |  | 69,866 |
Total traditional loans and leases |  | 7,902 |  |  | 6,027 |  |  | 15,269 |  |  | 29,198 |  |  | 6,389,794 |  |  | 6,418,992 |
Total |  | $ | 14,238 |  |  | $ | 6,027 |  |  | $ | 15,269 |  |  | $ | 35,534 |  |  | $ | 7,217,759 |  |  | $ | 7,253,293 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |
NTM loans: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | $ | 9,060 |  |  | $ | 1,879 |  |  | $ | 1,171 |  |  | $ | 12,110 |  |  | $ | 791,245 |  |  | $ | 803,355 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,578 |  |  | 3,578 |
Total NTM loans |  | 9,060 |  |  | 1,879 |  |  | 1,171 |  |  | 12,110 |  |  | 794,823 |  |  | 806,933 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 136 |  |  | 3,595 |  |  | 948 |  |  | 4,679 |  |  | 1,697,272 |  |  | 1,701,951 |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 717,415 |  |  | 717,415 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,816,141 |  |  | 1,816,141 |
SBA |  | 3,578 |  |  | — |  |  | 1,319 |  |  | 4,897 |  |  | 73,802 |  |  | 78,699 |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 182,960 |  |  | 182,960 |
Lease financing |  | — |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | 13 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 6,862 |  |  | 3,370 |  |  | 6,012 |  |  | 16,244 |  |  | 1,236,050 |  |  | 1,252,294 |
Other consumer |  | 3,194 |  |  | 413 |  |  | 92 |  |  | 3,699 |  |  | 99,302 |  |  | 103,001 |
Total traditional loans and leases |  | 13,770 |  |  | 7,378 |  |  | 8,371 |  |  | 29,519 |  |  | 5,822,955 |  |  | 5,852,474 |
Total |  | $ | 22,830 |  |  | $ | 9,257 |  |  | $ | 9,542 |  |  | $ | 41,629 |  |  | $ | 6,617,778 |  |  | $ | 6,659,407 |
Composition of Nonaccrual Loans and Leases | The following table presents non-accrual loans and leases, and loans past due 90 days or more and still accruing as of the dates indicated:
|  | September 30, 2018 |  | December 31, 2017
($ in thousands) |  | NTM Loans |  | Traditional Loans and Leases |  | Total |  | NTM Loans |  | Traditional Loans and Leases |  | Total
Non-accrual loans and leases (1) |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 5,751 |  |  | $ | 5,751 |  |  | $ | — |  |  | $ | 3,723 |  |  | $ | 3,723 |
SBA |  | — |  |  | 2,249 |  |  | 2,249 |  |  | — |  |  | 1,781 |  |  | 1,781 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 1,520 |  |  | 15,558 |  |  | 17,078 |  |  | 1,171 |  |  | 8,176 |  |  | 9,347 |
Other consumer |  | — |  |  | 445 |  |  | 445 |  |  | — |  |  | 4,531 |  |  | 4,531 |
Total non-accrual loans and leases |  | $ | 1,520 |  |  | $ | 24,003 |  |  | $ | 25,523 |  |  | $ | 1,171 |  |  | $ | 18,211 |  |  | $ | 19,382 |
Loans past due 90 days or more and still accruing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
(1) The Company maintained specific reserves in ALLL for these loans, which were individually evaluated for impairment, of $567 thousand and $1.1 million at September 30, 2018 and December 31, 2017, respectively.
Troubled Debt Restructurings | TDR loans consist of the following as of the dates indicated:
|  | September 30, 2018 |  | December 31, 2017
($ in thousands) |  | NTM Loans |  | Traditional Loans |  | Total |  | NTM Loans |  | Traditional Loans |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 2,522 |  |  | $ | 2,522 |  |  | $ | — |  |  | $ | 2,675 |  |  | $ | 2,675 |
SBA |  | — |  |  | 162 |  |  | 162 |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 2,676 |  |  | 2,610 |  |  | 5,286 |  |  | 2,699 |  |  | 2,653 |  |  | 5,352 |
Other consumer |  | 294 |  |  | — |  |  | 294 |  |  | 294 |  |  | — |  |  | 294 |
Total |  | $ | 2,970 |  |  | $ | 5,294 |  |  | $ | 8,264 |  |  | $ | 2,993 |  |  | $ | 5,328 |  |  | $ | 8,321 |
The following table summarizes the pre-modification and post-modification balances of the new TDRs for the periods indicated:
|  | Nine Months Ended
($ in thousands) |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
September 30, 2018 |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Commercial and industrial |  | 2 |  |  | $ | 171 |  |  | $ | 163 |
Total |  | 2 |  |  | $ | 171 |  |  | $ | 163 |
September 30, 2017 |  |  |  |  |  |
Consumer: |  |  |  |  |  |
Single family residential mortgage |  | 3 |  |  | $ | 2,416 |  |  | $ | 2,433 |
Total |  | 3 |  |  | $ | 2,416 |  |  | $ | 2,433 |
During the three months ended September 30, 2018 and September 30, 2017, there were no new TDRs. The following table summarizes new TDRs by modification type for the nine months ended September 30, 2018 and 2017:
|  | Nine Months Ended
|  | Modification Type
|  | Change in Principal Payments and Interest Rates |  | Change in Principal Payments |  | Total
($ in thousands) |  | Count |  | Amount |  | Count |  | Amount |  | Count |  | Amount
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 163 |  |  | 2 |  |  | $ | 163 |
Total |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 163 |  |  | 2 |  |  | $ | 163 |
September 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 2 |  |  | $ | 1,290 |  |  | 1 |  |  | $ | 1,143 |  |  | 3 |  |  | $ | 2,433 |
Total |  | 2 |  |  | $ | 1,290 |  |  | 1 |  |  | $ | 1,143 |  |  | 3 |  |  | $ | 2,433 |
Risk Categories for Loans and Leases | The following table presents the risk categories for total loans and leases as of the dates indicated:
($ in thousands) |  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
September 30, 2018 |  |  |  |  |  |  |  |  |  |
NTM loans: |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | $ | 827,087 |  |  | $ | 1,576 |  |  | $ | 2,506 |  |  | $ | — |  |  | $ | 831,169 |
Other consumer |  | 3,132 |  |  | — |  |  | — |  |  | — |  |  | 3,132 |
Total NTM loans |  | 830,219 |  |  | 1,576 |  |  | 2,506 |  |  | — |  |  | 834,301 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 1,600,534 |  |  | 34,482 |  |  | 38,039 |  |  | — |  |  | 1,673,055 |
Commercial real estate |  | 807,803 |  |  | 11,320 |  |  | 4,070 |  |  | — |  |  | 823,193 |
Multifamily |  | 2,110,589 |  |  | — |  |  | 1,601 |  |  | — |  |  | 2,112,190 |
SBA |  | 56,649 |  |  | 4,754 |  |  | 9,811 |  |  | 280 |  |  | 71,494 |
Construction |  | 196,857 |  |  | 3,437 |  |  | — |  |  | — |  |  | 200,294 |
Lease financing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 1,446,826 |  |  | 2,969 |  |  | 19,105 |  |  | — |  |  | 1,468,900 |
Other consumer |  | 68,998 |  |  | 404 |  |  | 464 |  |  | — |  |  | 69,866 |
Total traditional loans and leases |  | 6,288,256 |  |  | 57,366 |  |  | 73,090 |  |  | 280 |  |  | 6,418,992 |
Total |  | $ | 7,118,475 |  |  | $ | 58,942 |  |  | $ | 75,596 |  |  | $ | 280 |  |  | $ | 7,253,293 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |
NTM loans: |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | $ | 800,589 |  |  | $ | 1,595 |  |  | $ | 1,171 |  |  | $ | — |  |  | $ | 803,355 |
Other consumer |  | 3,578 |  |  | — |  |  | — |  |  | — |  |  | 3,578 |
Total NTM loans |  | 804,167 |  |  | 1,595 |  |  | 1,171 |  |  | — |  |  | 806,933 |
Traditional loans and leases: |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 1,651,628 |  |  | 33,376 |  |  | 16,947 |  |  | — |  |  | 1,701,951 |
Commercial real estate |  | 713,131 |  |  | — |  |  | 4,284 |  |  | — |  |  | 717,415 |
Multifamily |  | 1,815,601 |  |  | 540 |  |  | — |  |  | — |  |  | 1,816,141 |
SBA |  | 72,417 |  |  | 1,555 |  |  | 4,621 |  |  | 106 |  |  | 78,699 |
Construction |  | 182,960 |  |  | — |  |  | — |  |  | — |  |  | 182,960 |
Lease financing |  | 13 |  |  | — |  |  | — |  |  | — |  |  | 13 |
Consumer: |  |  |  |  |  |  |  |  |  |
Single family residential mortgage |  | 1,240,866 |  |  | 2,282 |  |  | 9,146 |  |  | — |  |  | 1,252,294 |
Other consumer |  | 98,030 |  |  | 422 |  |  | 4,549 |  |  | — |  |  | 103,001 |
Total traditional loans and leases |  | 5,774,646 |  |  | 38,175 |  |  | 39,547 |  |  | 106 |  |  | 5,852,474 |
Total |  | $ | 6,578,813 |  |  | $ | 39,770 |  |  | $ | 40,718 |  |  | $ | 106 |  |  | $ | 6,659,407 |
Summary of Significant Activities | The following table presents loans and leases transferred from (to) loans held-for-sale by portfolio segment for the periods indicated:
|  | Three Months Ended |  | Nine Months Ended
($ in thousands) |  | Transfers from Held-For-Sale |  | Transfers (to) Held-For-Sale |  | Transfers from Held-For-Sale |  | Transfers (to) Held-For-Sale
September 30, 2018 |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | (1,133 | ) |  | $ | — |  |  | $ | (1,133 | )
Multifamily |  | — |  |  | — |  |  | — |  |  | (71,449 | )
Consumer: |  |  |  |  |  |  |  |
Single family residential mortgage |  | — |  |  | (18,886 | ) |  | — |  |  | (154,899 | )
Other consumer |  | — |  |  | — |  |  | — |  |  | (4,362 | )
Total |  | $ | — |  |  | $ | (20,019 | ) |  | $ | — |  |  | $ | (231,843 | )
September 30, 2017 |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | (3,924 | )
Commercial real estate |  | — |  |  | — |  |  | — |  |  | (1,329 | )
Multifamily |  | — |  |  | — |  |  | — |  |  | (6,583 | )
SBA |  | — |  |  | — |  |  | — |  |  | (1,865 | )
Construction |  | — |  |  | — |  |  | — |  |  | (1,528 | )
Consumer: |  |  |  |  |  |  |  |
Single family residential mortgage |  | 88,591 |  |  | (45,899 | ) |  | 88,591 |  |  | (449,646 | )
Total |  | $ | 88,591 |  |  | $ | (45,899 | ) |  | $ | 88,591 |  |  | $ | (464,875 | )
Accretable Yield, or Income Expected to be Collected | The following table presents a summary of accretable yield, or income expected to be collected, for the periods indicated:
|  | Three Months Ended September 30, |  | Nine Months Ended September 30,
($ in thousands) |  | 2017 |  | 2017
Balance at beginning of period |  | $ | 2,237 |  |  | $ | 41,181 |
Accretion of income |  | — |  |  | (3,833 | )
Changes in expected cash flows |  | — |  |  | (225 | )
Disposals |  | — |  |  | (34,886 | )
Other |  | (2,237 | ) |  | (2,237 | )
Balance at end of period |  | $ | — |  |  | $ | — |

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