XML 100 R29.htm IDEA: XBRL DOCUMENT
v3.20.1

Loans and Leases Receivable and Allowance for Credit Losses (Tables) | 3 Months Ended
--- | ---
Mar. 31, 2020
Receivables [Abstract] |
Schedule of Loans and Leases Receivable | The following table presents loans and leases receivable as of March 31, 2020 and December 31, 2019.
(amounts in thousands) | March 31, 2020 |  | December 31, 2019
Loans and leases receivable, mortgage warehouse, at fair value | $ | 2,518,012 |  |  | $ | 2,245,758 |
Loans receivable: |  |  |
Commercial: |  |  |
Multi-family | 1,621,633 |  |  | 1,907,331 |
Commercial and industrial (1) | 2,072,952 |  |  | 1,891,152 |
Commercial real estate owner occupied | 543,945 |  |  | 551,948 |
Commercial real estate non-owner occupied | 1,252,826 |  |  | 1,222,772 |
Construction | 115,448 |  |  | 117,617 |
Total commercial loans and leases receivable | 5,606,804 |  |  | 5,690,820 |
Consumer: |  |  |
Residential real estate | 362,047 |  |  | 382,634 |
Manufactured housing | 69,240 |  |  | 71,359 |
Other consumer | 1,315,171 |  |  | 1,174,175 |
Total consumer loans receivable | 1,746,458 |  |  | 1,628,168 |
Loans and leases receivable (2) | 7,353,262 |  |  | 7,318,988 |
Allowance for credit losses | (149,283) |  |  | (56,379) |
Total loans and leases receivable, net of allowance for credit losses | $ | 9,721,991 |  |  | $ | 9,508,367 |
(1)Includes direct finance equipment leases of $96.6 million and $89.2 million at March 31, 2020 and December 31, 2019, respectively. (2)Includes deferred (fees) costs and unamortized (discounts) premiums, net of $3.2 million and $2.1 million at March 31, 2020 and December 31, 2019, respectively.
Loans and Leases Receivable by Loan Type and Performance Status | The following tables summarize loans and leases receivable by loan and lease type and performance status as of March 31, 2020 and December 31, 2019:
| March 31, 2020 |  |  |  |  |  |  |  |  |  |
(amounts in thousands) | 30-59 Days past due |  | 60-89 Days past due |  | 90 Days or more past due |  | Total past due |  | Loans and leases not past due (2) |  | Total loans and leases (3)
Multi-family | $ | 2,378 |  |  | $ | — |  |  | $ | 4,021 |  |  | $ | 6,399 |  |  | $ | 1,615,234 |  |  | $ | 1,621,633 |
Commercial and industrial | 1,332 |  |  | 659 |  |  | 10,182 |  |  | 12,173 |  |  | 2,060,779 |  |  | 2,072,952 |
Commercial real estate owner occupied | 4,391 |  |  | 971 |  |  | 2,740 |  |  | 8,102 |  |  | 535,843 |  |  | 543,945 |
Commercial real estate non-owner occupied | 30,723 |  |  | — |  |  | 21,470 |  |  | 52,193 |  |  | 1,200,633 |  |  | 1,252,826 |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | 115,448 |  |  | 115,448 |
Residential real estate | 5,253 |  |  | 68 |  |  | 6,248 |  |  | 11,569 |  |  | 350,478 |  |  | 362,047 |
Manufactured housing (5) | 2,138 |  |  | 962 |  |  | 5,089 |  |  | 8,189 |  |  | 61,051 |  |  | 69,240 |
Other consumer | 6,502 |  |  | 3,725 |  |  | 2,527 |  |  | 12,754 |  |  | 1,302,417 |  |  | 1,315,171 |
Total | $ | 52,717 |  |  | $ | 6,385 |  |  | $ | 52,277 |  |  |  | $ | 111,379 |  |  | $ | 7,241,883 |  |  | $ | 7,353,262 |
| December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
(amounts in thousands) | 30-89 Days past due (1) |  | 90 Days or more past due (1) |  | Total past due (1) |  | Non-accrual |  | Current (2) |  | Purchased-credit-impaired loans (4) |  | Total loans and leases (5)
Multi-family | $ | 2,133 |  |  | — |  |  |  | $ | 2,133 |  |  | $ | 4,117 |  |  | $ | 1,901,336 |  |  | $ | 1,688 |  |  | $ | 1,909,274 |
Commercial and industrial | 2,395 |  |  | — |  |  |  | 2,395 |  |  | 4,531 |  |  | 1,882,700 |  |  | 354 |  |  | 1,889,980 |
Commercial real estate owner occupied | 5,388 |  |  | — |  |  |  | 5,388 |  |  | 1,963 |  |  | 537,992 |  |  | 6,664 |  |  | 552,007 |
Commercial real estate non-owner occupied | 8,034 |  |  | — |  |  |  | 8,034 |  |  | 76 |  |  | 1,211,892 |  |  | 3,527 |  |  | 1,223,529 |
Construction | — |  |  | — |  |  |  | — |  |  | — |  |  | 118,418 |  |  | — |  |  | 118,418 |
Residential real estate | 5,924 |  |  | — |  |  |  | 5,924 |  |  | 6,128 |  |  | 359,491 |  |  | 3,471 |  |  | 375,014 |
Manufactured housing | 3,699 |  |  | 1,794 |  |  |  | 5,493 |  |  | 1,655 |  |  | 61,649 |  |  | 1,601 |  |  | 70,398 |
Other consumer | 5,756 |  |  | $ | — |  |  |  | 5,756 |  |  | 1,551 |  |  | 1,170,793 |  |  | 183 |  |  | 1,178,283 |
Total | $ | 33,329 |  |  | $ | 1,794 |  |  |  | $ | 35,123 |  |  | $ | 20,021 |  |  | $ | 7,244,271 |  |  | $ | 17,488 |  |  | $ | 7,316,903 |
(1)Includes past due loans and leases that are accruing interest because collection is considered probable. (2)Loans and leases where next payment due is less than 30 days from the report date. (3)Includes purchased credit deteriorated loans of $16.6 million at March 31, 2020. (4)Purchased-credit-impaired loans aggregated into a pool are accounted for as a single asset with a single composite interest rate and an aggregate expectation of cash flows, and the past due status of the pools, or that of the individual loans within the pools, is not meaningful. Due to the credit impaired nature of the loans, the loans are recorded at a discount reflecting estimated future cash flows and the Bank recognizes interest income on each pool of loans reflecting the estimated yield and passage of time. Such loans are considered to be performing. Purchased-credit-impaired loans that are not in pools accrete interest when the timing and amount of their expected cash flows are reasonably estimable, and are reported as performing loans. (5)Amounts exclude deferred costs and fees and unamortized premiums and discounts.
Amortized cost of Loans and Leases on Nonaccrual Status | The following table provides amortized cost of loans and leases on nonaccrual status.
| March 31, 2020 (1) |  |  |  |  |  | December 31, 2020 (2) |  |  |  |  |  |  |  |  |  |  |  |
(amounts in thousands) | Nonaccrual loans with no related allowance |  | Nonaccrual loans with related allowance |  | Total nonaccrual loans |  | Nonaccrual loans with no related allowance |  | Nonaccrual loans with related allowance |  | Total nonaccrual loans |  |  |  |  |  |  |  |
Multi-family | $ | 4,020 |  |  | $ | — |  |  | $ | 4,020 |  |  | $ | 4,117 |  |  | $ | — |  |  | $ | 4,117 |  |  |  |  |  |  |  |  |
Commercial and industrial | 8,967 |  |  | 1,026 |  |  | 9,993 |  |  | 3,083 |  |  | 1,448 |  |  | 4,531 |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied | 2,371 |  |  | 40 |  |  | 2,411 |  |  | 1,109 |  |  | 854 |  |  | 1,963 |  |  |  |  |  |  |  |  |
Commercial real estate non-owner occupied | 21,479 |  |  | — |  |  | 21,479 |  |  | 76 |  |  | — |  |  | 76 |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Residential real estate | 4,730 |  |  | 1,324 |  |  | 6,054 |  |  | 4,559 |  |  | 1,569 |  |  | 6,128 |  |  |  |  |  |  |  |  |
Manufactured housing | — |  |  | 2,558 |  |  | 2,558 |  |  | — |  |  | 1,655 |  |  | 1,655 |  |  |  |  |  |  |  |  |
Other consumer | 270 |  |  | 2,249 |  |  | 2,519 |  |  | 140 |  |  | 1,411 |  |  | 1,551 |  |  |  |  |  |  |  |  |
Total | $ | 41,837 |  |  | $ | 7,197 |  |  | $ | 49,034 |  |  | $ | 13,084 |  |  | $ | 6,937 |  |  | $ | 20,021 |  |  |  |  |  |  |  |  |
(1) Presented at amortized cost basis. (2) Amounts exclude deferred costs and fees and unamortized premiums and discounts.
Schedule of Allowance for Credit Losses on Loans and Leases | The changes in the allowance for credit losses on loans and leases for the three months ended March 31, 2020 and 2019, is presented in the tables below.
Three Months Ended March 31, 2020 | Multi-family |  | Commercial and industrial |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Construction |  | Residential real estate |  | Manufactured housing |  | Other consumer |  | Total
(amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, at December 31, 2019 | $ | 6,157 |  |  | $ | 15,556 |  |  | $ | 2,235 |  |  | $ | 6,243 |  |  | $ | 1,262 |  |  | $ | 3,218 |  |  | $ | 1,060 |  |  | $ | 20,648 |  |  | $ | 56,379 |
Cumulative effect of change in accounting principle | 2,171 |  |  | 759 |  |  | 5,773 |  |  | 7,918 |  |  | (98) |  |  | 1,518 |  |  | 3,802 |  |  | 57,986 |  |  | 79,829 |
Charge-offs | — |  |  | (97) |  |  | — |  |  | (12,797) |  |  | — |  |  | — |  |  | — |  |  | (6,246) |  |  | (19,140) |
Recoveries | — |  |  | 54 |  |  | 3 |  |  | — |  |  | 3 |  |  | 29 |  |  | — |  |  | 340 |  |  | 429 |
Provision for credit loss expense | 422 |  |  | 2,534 |  |  | 516 |  |  | 17,166 |  |  | 767 |  |  | (585) |  |  | 125 |  |  | 10,841 |  |  | 31,786 |
Total ending allowance balance | $ | 8,750 |  |  | $ | 18,806 |  |  | $ | 8,527 |  |  | $ | 18,530 |  |  | $ | 1,934 |  |  | $ | 4,180 |  |  | $ | 4,987 |  |  | $ | 83,569 |  |  | $ | 149,283 |
Three Months Ended March 31, 2019 | Multi-family |  | Commercial and industrial |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Construction |  | Residential real estate |  | Manufactured housing |  | Other consumer |  | Total
(amounts in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending Balance, December 31, 2018 | $ | 11,462 |  |  | $ | 12,145 |  |  | $ | 3,320 |  |  | $ | 6,093 |  |  | $ | 624 |  |  | $ | 3,654 |  |  | $ | 145 |  |  | $ | 2,529 |  |  | $ | 39,972 |
Charge-offs | (541) |  |  | — |  |  | (8) |  |  | — |  |  | — |  |  | (40) |  |  | — |  |  | (755) |  |  | (1,344) |
Recoveries | — |  |  | 119 |  |  | 128 |  |  | — |  |  | 6 |  |  | 7 |  |  | — |  |  | 24 |  |  | 284 |
Provision for loan and lease losses | (291) |  |  | 383 |  |  | (15) |  |  | (78) |  |  | (46) |  |  | 2,951 |  |  | (28) |  |  | 1,891 |  |  | 4,767 |
Ending Balance, March 31, 2019 | $ | 10,630 |  |  | $ | 12,647 |  |  | $ | 3,425 |  |  | $ | 6,015 |  |  | $ | 584 |  |  | $ | 6,572 |  |  | $ | 117 |  |  | $ | 3,689 |  |  | $ | 43,679 |
Analysis of Loans Modified in Troubled Debt Restructuring by Type of Concession | The following table presents loans modified in a TDR by type of concession for the three months ended March 31, 2020 and 2019. There were no modifications that involved forgiveness of debt for the three months ended March 31, 2020 and 2019.
| Three Months Ended March 31, |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2020 |  |  |  | 2019 |  |  |  |  |  |  |  |  |  |
(dollars in thousands) | Number of loans |  | Recorded investment |  | Number of loans |  | Recorded investment |  |  |  |  |  |  |  |
Extensions of maturity | 4 |  |  | $ | 245 |  |  | 2 |  |  | $ | 514 |  |  |  |  |  |  |  |  |
Interest-rate reductions | 12 |  |  | 530 |  |  | 10 |  |  | 385 |  |  |  |  |  |  |  |  |
Total | 16 |  |  | $ | 775 |  |  | 12 |  |  | $ | 899 |  |  |  |  |  |  |  |  |
Summary of Loans Modified in Troubled Debt Restructurings and Related Recorded Investment Within Twelve Months | The following table presents, by loan type, the number of loans modified in TDRs and the related recorded investment, for which there was a payment default within twelve months following the modification:
| March 31, 2020 |  |  |  | March 31, 2019 |  |
(dollars in thousands) | Number of loans |  | Recorded investment |  | Number of loans |  | Recorded investment
Manufactured housing | — |  |  | $ | — |  |  | 5 |  |  | $ | 137 |
Commercial and industrial | — |  |  | — |  |  | 1 |  |  | 431 |
Commercial real estate owner occupied | 1 |  |  | 8 |  |  | — |  |  | — |
Residential real estate | 5 |  |  | 684 |  |  | — |  |  | — |
Total loans | 6 |  |  | $ | 692 |  |  | 6 |  |  | $ | 568 |
Credit Ratings of Covered and Non-Covered Loan Portfolio | The following tables present the credit ratings of loans and leases receivable as of March 31, 2020 and December 31, 2019.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 26,646 |  |  |  | $ | 23,689 |  |  | $ | 172,088 |  |  | $ | 445,613 |  |  | $ | 329,586 |  |  | $ | 569,400 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,567,022 |
Special mention | — |  |  | — |  |  | — |  |  | 19,510 |  |  | 1,968 |  |  | — |  |  | — |  |  | — |  |  | 21,478 |
Substandard | — |  |  | — |  |  | — |  |  | 12,028 |  |  | 13,904 |  |  | 7,201 |  |  | — |  |  | — |  |  | 33,133 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total multi-family loans | $ | 26,646 |  |  | $ | 23,689 |  |  | $ | 172,088 |  |  | $ | 477,151 |  |  | $ | 345,458 |  |  | $ | 576,601 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,621,633 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 323,338 |  |  | $ | 491,492 |  |  | $ | 183,202 |  |  | $ | 120,795 |  |  | $ | 55,483 |  |  | $ | 101,805 |  |  | $ | 718,827 |  |  | $ | — |  |  | $ | 1,994,942 |
Special mention | — |  |  | 7,788 |  |  | 2,403 |  |  | 17,652 |  |  | 120 |  |  | 26 |  |  | 20,800 |  |  | — |  |  | 48,789 |
Substandard | — |  |  | 5,576 |  |  | 276 |  |  | 1,760 |  |  | 7,774 |  |  | 3,318 |  |  | 10,517 |  |  | — |  |  | 29,221 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial and industrial loans and leases | $ | 323,338 |  |  | $ | 504,856 |  |  | $ | 185,881 |  |  | $ | 140,207 |  |  | $ | 63,377 |  |  | $ | 105,149 |  |  | $ | 750,144 |  |  | $ | — |  |  | $ | 2,072,952 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 18,672 |  |  |  | $ | 184,756 |  |  |  | $ | 90,261 |  |  |  | $ | 82,509 |  |  |  | $ | 49,074 |  |  |  | $ | 102,449 |  |  |  | $ | 1,672 |  |  |  | $ | — |  |  |  | $ | 529,393 |
Special mention | — |  |  |  | — |  |  |  | 483 |  |  |  | 114 |  |  |  | — |  |  |  | 399 |  |  |  | — |  |  |  | — |  |  | 996 |
Substandard | — |  |  |  | — |  |  |  | — |  |  |  | 350 |  |  |  | 2,266 |  |  |  | 10,940 |  |  |  | — |  |  |  | — |  |  | 13,556 |
Doubtful | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | — |
Total commercial real estate owner occupied loans | $ | 18,672 |  |  |  | $ | 184,756 |  |  |  | $ | 90,744 |  |  |  | $ | 82,973 |  |  |  | $ | 51,340 |  |  |  | $ | 113,788 |  |  |  | $ | 1,672 |  |  |  | $ | — |  |  |  | $ | 543,945 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate non-owner occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 74,905 |  |  |  | $ | 118,164 |  |  |  | $ | 118,424 |  |  |  | $ | 249,784 |  |  |  | $ | 201,214 |  |  |  | $ | 412,250 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 1,174,741 |
Special mention | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 374 |  |  |  | 4,201 |  |  |  | — |  |  |  | — |  |  | 4,575 |
Substandard | — |  |  |  | — |  |  |  | 30,772 |  |  |  | — |  |  |  | 2,080 |  |  |  | 21,608 |  |  |  | — |  |  |  | — |  |  | 54,460 |
Doubtful | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 19,050 |  |  |  | — |  |  |  | — |  |  |  | — |  |  | 19,050 |
Total commercial real estate non-owner occupied loans | $ | 74,905 |  |  |  | $ | 118,164 |  |  |  | $ | 149,196 |  |  |  | $ | 249,784 |  |  |  | $ | 222,718 |  |  |  | $ | 438,059 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 1,252,826 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 451 |  |  |  | $ | 83,774 |  |  |  | $ | 20,241 |  |  |  | $ | — |  |  |  | $ | 9,886 |  |  |  | $ | — |  |  |  | $ | 1,096 |  |  |  | $ | — |  |  |  | $ | 115,448 |
Special mention | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | — |
Substandard | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | — |
Doubtful | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | — |
Total construction loans | $ | 451 |  |  |  | $ | 83,774 |  |  |  | $ | 20,241 |  |  |  | $ | — |  |  |  | $ | 9,886 |  |  |  | $ | — |  |  |  | $ | 1,096 |  |  |  | $ | — |  |  |  | $ | 115,448 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 1,527 |  |  |  | $ | 15,164 |  |  |  | $ | 8,103 |  |  |  | $ | 14,644 |  |  |  | $ | 47,557 |  |  |  | $ | 86,675 |  |  |  | $ | 182,652 |  |  |  | $ | — |  |  |  | $ | 356,322 |
Non-performing | — |  |  |  | — |  |  |  | 161 |  |  |  | 160 |  |  |  | 860 |  |  |  | 4,117 |  |  |  | 427 |  |  |  | — |  |  |  | 5,725 |
Total residential real estate loans | $ | 1,527 |  |  |  | $ | 15,164 |  |  |  | $ | 8,264 |  |  |  | $ | 14,804 |  |  |  | $ | 48,417 |  |  |  | $ | 90,792 |  |  |  | $ | 183,079 |  |  |  | $ | — |  |  |  | $ | 362,047 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Manufactured housing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | — |  |  |  | $ | 312 |  |  |  | $ | 643 |  |  |  | $ | 81 |  |  |  | $ | 44 |  |  |  | $ | 64,782 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 65,862 |
Non-performing | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,378 |  |  |  | — |  |  |  | — |  |  |  | 3,378 |
Total manufactured housing loans | $ | — |  |  |  | $ | 312 |  |  |  | $ | 643 |  |  |  | $ | 81 |  |  |  | $ | 44 |  |  |  | $ | 68,160 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 69,240 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
As of March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 122,726 |  |  |  | $ | 1,034,536 |  |  |  | $ | 147,669 |  |  |  | $ | 7,004 |  |  |  | $ | 762 |  |  |  | $ | 55 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 1,312,752 |
Non-performing | — |  |  |  | 1,785 |  |  |  | 618 |  |  |  | 16 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,419 |
Total other consumer loans | $ | 122,726 |  |  |  | $ | 1,036,321 |  |  |  | $ | 148,287 |  |  |  | $ | 7,020 |  |  |  | $ | 762 |  |  |  | $ | 55 |  |  |  | $ | — |  |  |  | $ | — |  |  |  | $ | 1,315,171 |
| December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(amounts in thousands) | Multi-family |  | Commercial and industrial |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Construction |  | Residential real estate |  | Manufactured housing |  | Other consumer |  | Total (3)
Pass/Satisfactory | $ | 1,816,200 |  |  | $ | 1,841,074 |  |  | $ | 536,777 |  |  | $ | 1,129,838 |  |  | $ | 118,418 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 5,442,307 |
Special Mention | 69,637 |  |  | 26,285 |  |  | 8,286 |  |  | 6,949 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 111,157 |
Substandard | 23,437 |  |  | 22,621 |  |  | 6,944 |  |  | 86,742 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 139,744 |
Performing (1) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 362,962 |  |  | 63,250 |  |  | 1,170,976 |  |  | 1,597,188 |
Non-performing (2) | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,052 |  |  | 7,148 |  |  | 7,307 |  |  | 26,507 |
Total | $ | 1,909,274 |  |  | $ | 1,889,980 |  |  | $ | 552,007 |  |  | $ | 1,223,529 |  |  | $ | 118,418 |  |  | $ | 375,014 |  |  | $ | 70,398 |  |  | $ | 1,178,283 |  |  | $ | 7,316,903 |
(1)Includes residential real estate, manufactured housing, and other consumer loans not assigned internal ratings. (2)Includes residential real estate, manufactured housing, and other consumer loans that are past due and still accruing interest or on nonaccrual status. (3)Excludes commercial mortgage warehouse loans reported at fair value.
Schedule of Loan Purchases and Sales | Purchases and sales of loans were as follows for the three months ended March 31, 2020 and 2019:
| Three Months Ended March 31, |  |  |  |  |  |
(amounts in thousands) | 2020 |  | 2019 |  |  |  |
Purchases (1) |  |  |  |  |  |  |
Residential real estate | $ | 495 |  |  | $ | 66,384 |  |  |  |  |
Other consumer (2) | 191,761 |  |  | 66,136 |  |  |  |  |
Total | $ | 192,256 |  |  | $ | 132,520 |  |  |  |  |
Sales (3) |  |  |  |  |  |  |
Other consumer | 1,822 |  |  | — |  |  |  |  |
Total | $ | 1,822 |  |  | $ | — |  |  |  |  |
(1)Amounts reported in the above table are the unpaid principal balance at time of purchase. The purchase price was 100.6% and 97.6% of loans outstanding for the three months ended March 31, 2020 and 2019, respectively. (2)Other consumer loan purchases for the three months ended March 31, 2020 consist of third-party originated unsecured consumer loans. None of the loans are considered sub-prime at the time of origination. Customers considers sub-prime borrowers to be those with FICO scores below 660. (3)Amounts reported in the above table are the unpaid principal balance at time of sale. There were no loan sales in the three months ended March 31, 2019.

X
- Definition Tabular disclosure of loans covered under loss sharing agreements with the FDIC and noncovered loans receivable. + References No definition available. + Details
Name: | cubi_ScheduleOfCoveredAndNoncoveredLoansReceivableTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule of Loan Purchases and Sales [Table Text Block] + References No definition available. + Details
Name: | cubi_ScheduleofLoanPurchasesandSalesTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary Of Loans And Leases Modified In Troubled Debt Restructurings By Concession + References No definition available. + Details
Name: | cubi_SummaryOfLoansAndLeasesModifiedInTroubledDebtRestructuringsByConcessionTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Summary of Loans Modified in Troubled Debt Restructurings and Related Recorded Investment Within Twelve Months + References No definition available. + Details
Name: | cubi_SummaryOfLoansModifiedInTroubledDebtRestructuringsAndRelatedRecordedInvestmentWithinTwelveMonthsTableTextBlock
Namespace Prefix: | cubi_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=118955255&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=118936363&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration