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Loans Receivable (Tables)

12 Months Ended

Dec. 31, 2014

Loans And Leases Receivable Net Reported Amount Covered And Not Covered [Abstract]

Schedule Of Accounts Notes Loans And Financing Receivable Text Block

The composition of the Company's loan portfolio at December 31, 2014 and 2013 was as follows

	December 31,
	2014			2013
	(In thousands)
Non-covered loans:
Originated and other loans and leases held for investment:
Mortgage	$	791,751		$	766,265
Commercial		1,289,732			1,127,657
Consumer		186,760			127,744
Auto and leasing		575,582			379,874
		2,843,825			2,401,540
Acquired loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Commercial		12,675			77,681
Consumer		45,344			56,174
Auto and leasing		184,782			301,584
		242,801			435,439
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Mortgage		656,122			717,904
Commercial		452,201			545,117
Construction		106,361			126,427
Consumer		29,888			63,620
Auto and leasing		247,233			379,145
		1,491,805			1,832,213
		4,578,431			4,669,192
Deferred loan cost , net		4,282			1,035
Loans receivable		4,582,713			4,670,227
Allowance for loan and lease losses on non-covered loans		(69,517)			(54,298)
Loans receivable, net		4,513,196			4,615,929
Mortgage loans held-for-sale		14,539			46,529
Total non-covered loans, net		4,527,735			4,662,458
Covered loans:
Loans secured by 1-4 family residential properties		117,171			121,748
Construction and development secured by 1-4 family residential properties		19,562			17,304
Commercial and other construction		221,917			264,249
Consumer		4,506			6,119
Auto and leasing		-			270
Total covered loans		363,156			409,690
Allowance for loan and lease losses on covered loans		(64,245)			(52,729)
Total covered loans, net		298,911			356,961
Total loans, net	$	4,826,646		$	5,019,419

Past Due Financing Receivables [Table Text Block]

The following tables present the aging of the recorded investment in gross originated and other loans held for investment as of December 31, 2014 and 2013 by class of loans. Mortgage loans past due included delinquent loans in the GNMA buy-back option program. Servicers of loans underlying GNMA mortgage-backed securities must report as their own assets the defaulted loans that they have the option (but not the obligation) to repurchase, even when they elect not to exercise that option

	December 31, 2014
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002	$	4,128		$	3,157		$	4,395		$	11,680		$	54,064		$	65,744		$	134
Years 2003 and 2004		10,484			4,735			6,489			21,708			87,961			109,669			-
Year 2005		3,824			2,205			4,454			10,483			49,989			60,472			-
Year 2006		5,706			3,298			8,667			17,671			67,879			85,550			89
Years 2007, 2008 and 2009		5,283			1,809			7,646			14,738			78,751			93,489			-
Years 2010, 2011, 2012, 2013 and 2014		3,684			2,992			6,900			13,576			190,848			204,424			365
		33,109			18,196			38,551			89,856			529,492			619,348			588
Non-traditional		1,477			584			3,223			5,284			30,916			36,200			-
Loss mitigation program		8,199			7,106			14,114			29,419			64,024			93,443			2,766
		42,785			25,886			55,888			124,559			624,432			748,991			3,354
Home equity secured personal loans		-			-			-			-			517			517			-
GNMA's buy-back option program		-			-			42,243			42,243			-			42,243			-
		42,785			25,886			98,131			166,802			624,949			791,751			3,354
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			133,076			133,076			-
Institutional		-			-			-			-			36,611			36,611			-
Middle market		-			645			396			1,041			163,009			164,050			-
Retail		330			561			7,275			8,166			167,462			175,628			-
Floor plan		-			-			-			-			1,650			1,650			-
Real estate		-			-			-			-			12,628			12,628			-
		330			1,206			7,671			9,207			514,436			523,643			-
Other commercial and industrial:
Corporate		-			-			-			-			63,746			63,746			-
Institutional		-			-			-			-			478,935			478,935			-
Middle market		-			-			618			618			91,716			92,334			-
Retail		866			412			1,061			2,339			87,832			90,171			-
Floor plan		-			-			-			-			40,903			40,903			-
		866			412			1,679			2,957			763,132			766,089			-
		1,196			1,618			9,350			12,164			1,277,568			1,289,732			-

	December 31, 2014
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Consumer
Credit cards		360			139			375			874			18,197			19,071			-
Overdrafts		20			-			-			20			287			307			-
Personal lines of credit		102			25			102			229			1,971			2,200			-
Personal loans		1,822			743			678			3,243			144,696			147,939			-
Cash collateral personal loans		275			39			9			323			16,920			17,243			-
		2,579			946			1,164			4,689			182,071			186,760			-
Auto and leasing		47,658			16,916			7,420			71,994			503,588			575,582			-
Total	$	94,218		$	45,366		$	116,065		$	255,649		$	2,588,176		$	2,843,825		$	3,354

	December 31, 2013
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002	$	6,697		$	1,635		$	3,408		$	11,740		$	64,772		$	76,512		$	79
Years 2003 and 2004		4,722			2,163			1,845			8,730			56,387			65,117			-
Year 2005		8,527			2,119			4,808			15,454			74,087			89,541			-
Year 2006		12,055			4,312			4,418			20,785			99,537			120,322			-
Years 2007, 2008 and 2009		3,464			1,104			4,663			9,231			91,919			101,150			152
Years 2010, 2011, 2012 and 2013		3,923			1,609			4,453			9,985			139,561			149,546			459
		39,388			12,942			23,595			75,925			526,263			602,188			690
Non-traditional		3,217			1,162			2,311			6,690			35,412			42,102			-
Loss mitigation program		9,759			5,560			13,191			28,510			57,808			86,318			2,185
		52,364			19,664			39,097			111,125			619,483			730,608			2,875
Home equity secured personal loans		-			-			138			138			598			736			-
GNMA's buy-back option program		-			-			34,921			34,921			-			34,921			-
		52,364			19,664			74,156			146,184			620,081			766,265			2,875
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			54,796			54,796			-
Institutional		-			-			-			-			4,050			4,050			-
Middle market		1,356			-			10,294			11,650			149,933			161,583			-
Retail		4,253			1,015			3,190			8,458			158,184			166,642			-
Floor plan		-			-			-			-			1,835			1,835			-
Real estate		-			-			-			-			11,655			11,655			-
		5,609			1,015			13,484			20,108			380,453			400,561			-
Other commercial and industrial:
Corporate		236			-			-			236			32,362			32,598			-
Institutional		-			-			-			-			536,445			536,445			-
Middle market		-			299			1,134			1,433			57,464			58,897			-
Retail		1,830			552			539			2,921			58,589			61,510			-
Floor plan		39			-			-			39			37,607			37,646			-
		2,105			851			1,673			4,629			722,467			727,096			-
		7,714			1,866			15,157			24,737			1,102,920			1,127,657			-

	December 31, 2013
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Consumer
Credit cards		287			168			232			687			14,554			15,241			-
Overdrafts		46			4			-			50			322			372			-
Personal lines of credit		33			38			66			137			1,844			1,981			-
Personal loans		1,324			399			352			2,075			92,485			94,560			-
Cash collateral personal loans		324			43			-			367			15,223			15,590			-
		2,014			652			650			3,316			124,428			127,744			-
Auto and leasing		25,531			9,437			5,089			40,057			339,817			379,874			-
Total	$	87,623		$	31,619		$	95,052		$	214,294		$	2,187,246		$	2,401,540		$	2,875

The following tables present the aging of the recorded investment in gross acquired loans accounted for under ASC 310-20 as of December 31, 2014 and 2013, by class of loans:

	December 31, 2014
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate
Retail		-			-			351			351			-			351			-
Floor plan		-			62			345			407			3,724			4,131			-
		-			62			696			758			3,724			4,482			-
Other commercial and industrial
Retail		155			67			192			414			3,707			4,121			-
Floor plan		202			134			223			559			3,513			4,072			-
		357			201			415			973			7,220			8,193			-
		357			263			1,111			1,731			10,944			12,675			-
Consumer
Credit cards		1,376			654			1,399			3,429			38,419			41,848			-
Personal loans		151			47			77			275			3,221			3,496			-
		1,527			701			1,476			3,704			41,640			45,344			-
Auto		11,003			3,453			1,262			15,718			169,064			184,782			-
Total	$	12,887		$	4,417		$	3,849		$	21,153		$	221,648		$	242,801		$	-

	December 31, 2013
																			Loans 90+
																			Days Past
																			Due and
	30-59 Days			60-89 Days			90+ Days			Total Past									Still
	Past Due			Past Due			Past Due			Due			Current			Total Loans			Accruing
	(In thousands)
Commercial
Commercial secured by real estate
Corporate	$	-		$	-		$	-		$	-		$	10,166		$	10,166		$	-
Retail		431			331			868			1,630			4,140			5,770			-
Floor plan		-			-			101			101			2,576			2,677			-
		431			331			969			1,731			16,882			18,613			-
Other commercial and industrial
Corporate		14			83			-			97			9,696			9,793			-
Retail		1,717			1,418			659			3,794			23,544			27,338			-
Floor plan		35			193			18			246			21,691			21,937			-
		1,766			1,694			677			4,137			54,931			59,068			-
		2,197			2,025			1,646			5,868			71,813			77,681			-
Consumer
Credit cards		2,217			1,200			2,068			5,485			46,714			52,199			-
Personal loans		196			7			91			294			3,681			3,975			-
		2,413			1,207			2,159			5,779			50,395			56,174			-
Auto		12,534			3,616			1,608			17,758			283,826			301,584			-
Total	$	17,144		$	6,848		$	5,413		$	29,405		$	406,034		$	435,439		$	-

Carrying Amounts Of Acquired Non Covered Loans Tabular Disclosure [Table Text Block]

		December 31,
		2014		2013
		(In thousands)
Contractual required payments receivable		$ 2,394,378		$ 2,929,353
Less: Non-accretable discount		456,627		579,587
Cash expected to be collected		1,937,751		2,349,766
Less: Accretable yield		445,946		517,553
Carrying amount, gross		1,491,805		1,832,213
Less: allowance for loan and lease losses		13,481		2,863
Carrying amount, net		$ 1,478,324		$ 1,829,350

Accretable Yield for Acquired Loans Non-covered [Table Text Block]

The following tables describe the accretable yield and non-accretable discount activity of acquired loans accounted for under ASC 310-30 for the year periods ended December 31, 2014 and 2013, excluding covered loans

	Year Ended December 31,
	2014			2013			2012
	(In thousands)
Accretable Yield Activity
Balance at beginning of year	$	517,553		$	655,833		$	-
Additions		-			-			663,700
Accretion		(153,536)			(199,178)			(7,867)
Transfer from non-accretable discount		81,929			60,898			-
Balance at end of year	$	445,946		$	517,553		$	655,833
	Year Ended December 31,
	2014			2013			2012
	(In thousands)
Non-Accretable Discount Activity
Balance at beginning of year	$	579,587		$	714,462		$	-
Additions		-			-			717,516
Change in actual and expected losses		(41,031)			(73,977)			(3,054)
Transfer to accretable yield		(81,929)			(60,898)			-
Balance at end of year	$	456,627		$	579,587		$	714,462

Covered loans carrying amount [Table Text Block]

Covered Loans

The carrying amount of covered loans at the years ended December 31, 2014 and 2013 is as follows:

	December 31,
	2014			2013
	(In thousands)
Contractual required payments receivable	$	535,425		$	702,126
Less: Non-accretable discount		62,410			129,477
Cash expected to be collected		473,015			572,649
Less: Accretable yield		109,859			162,959
Carrying amount, gross		363,156			409,690
Less: Allowance for covered loan and lease losses		64,245			52,729
Carrying amount, net	$	298,911		$	356,961

The following tables describe the accretable yield and non-accretable discount activity of covered loans for the years ended December 31, 2014 and 2013:

Accretable Yield for Acquired Loans Covered [Table Text Block]

	Year Ended December 31,
	2014			2013			2012
	(In thousands)
Accretable Yield Activity
Balance at beginning of year	$	162,959		$	188,008		$	188,822
Accretion		(88,969)			(91,769)			(85,376)
Transfer from non-accretable discount		35,869			66,720			84,562
Balance at end of year	$	109,859		$	162,959		$	188,008
	Year Ended December 31,
	2014			2013			2012
	(In thousands)
Non-Accretable Discount Activity
Balance at beginning of year	$	129,477		$	237,555		$	412,170
Change in actual and expected losses		(31,198)			(41,358)			(90,053)
Transfer to accretable yield		(35,869)			(66,720)			(84,562)
Balance at end of year	$	62,410		$	129,477		$	237,555

Financing Receivable Recorded Investment Nonaccrual Status By Class Of Loans [Table Text Block]

Non-accrual Loans

The following table presents the recorded investment in loans in non-accrual status by class of loans as of December 31, 2014 and 2013:

	December 31,			December 31,
	2014			2013
	(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year):
Up to the year 2002	$	4,427		$	3,428
Years 2003 and 2004		7,042			1,845
Year 2005		4,585			4,922
Year 2006		9,274			4,418
Years 2007, 2008 and 2009		8,579			4,511
Years 2010, 2011, 2012, 2013 and 2014		7,365			7,818
		41,272			26,942
Non-traditional		3,224			2,311
Loss mitigation program		20,934			18,792
		65,430			48,045
Home equity secured personal loans		-			138
		65,430			48,183
Commercial
Commercial secured by real estate
Middle market		9,534			11,895
Retail		9,000			7,208
		18,534			19,103
Other commercial and industrial
Middle market		618			1,134
Retail		2,527			2,485
Floor plan		-			108
		3,145			3,727
		21,679			22,830
Consumer
Credit cards		375			232
Personal lines of credit		110			84
Personal loans		1,092			485
Cash collateral personal loans		13			4
		1,590			805
Auto and leasing		8,668			5,089
Total non-accrual originated and other loans	$	97,367		$	76,907

	December 31,			December 31,
	2014			2013
	(In thousands)
Acquired loans accounted under ASC 310-20
Commercial
Commercial secured by real estate
Retail	$	351		$	956
Floor plan		407			101
		758			1,057
Other commercial and industrial
Corporate		-			97
Retail		195			1,371
Floor plan		234			18
		429			1,486
		1,187			2,543
Consumer
Credit cards		1,399			2,068
Personal loans		77			151
		1,476			2,219
Auto		1,512			1,608
Total non-accrual acquired loans		4,175			6,370
Total non-accrual loans	$	101,542		$	83,277

Impaired Financing Receivables [Table Text Block]

Originated and Other Loans and Leases Held for Investment

The Company's recorded investment in non-covered commercial and mortgage loans categorized as originated and other loans and leases held for investment that were individually evaluated for impairment and the related allowance for loan and lease losses at December 31, 2014 and 2013 are as follows:

	December 31, 2014
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	6,349		$	6,226		$	841		14%
Residential troubled-debt restructuring		99,947			94,185			8,968		10%
Impaired loans with no specific allowance:
Commercial		237,806			230,044			N/A		N/A
Total investment in impaired loans	$	344,102		$	330,455		$	9,809		3%

	December 31, 2013
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance
Commercial	$	6,600		$	5,553		$	1,431		26%
Residential troubled-debt restructuring		89,539			84,494			8,708		10%
Impaired loans with no specific allowance
Commercial		27,914			22,592			N/A		N/A
Total investment in impaired loans	$	124,053		$	112,639		$	10,139		9%

Acquired Loans Accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium)

The Company's recorded investment in non-covered commercial loans categorized as non-covered acquired loans accounted for under ASC 310-20 that were individually evaluated for impairment and the related allowance for loan and lease losses at December 31, 2014 and 2013 are as follows:

	December 31, 2014
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with no specific allowance
Commercial		672			672			N/A		N/A
Total investment in impaired loans	$	672		$	672		$	-		0%
	December 31, 2013
	Unpaid			Recorded			Specific
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with no specific allowance
Commercial		208			208			N/A		N/A
Total investment in impaired loans	$	208		$	208		$	-		0%

Non-covered Acquired Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy)

The Company's recorded investment in non-covered acquired loan pools accounted for under ASC 310-30 and their related allowance for non-covered loan and lease losses at December 31, 2014 and 2013 are as follows

	December 31, 2014
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired non-covered loan pools:
Commercial	$	289,228		$	255,619		$	5,506		2%
Construction		90,786			83,751			7,970		10%
Consumer		35,812			29,888			5		0%
Total investment in impaired non-covered loan pools	$	415,826		$	369,258		$	13,481		4%

	December 31, 2013
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired non-covered loan pools:
Mortgage	$	5,183		$	4,718		$	57		1%
Commercial		48,100			40,411			394		1%
Construction		21,526			17,818			1,319		7%
Consumer		73,043			63,606			361		1%
Auto		379,236			377,316			732		0%
Total investment in impaired non-covered loan pools	$	527,088		$	503,869		$	2,863		1%

The following table presents the interest recognized in non-covered commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, for the years ended 2014, 2013 and 2012

	Year Ended December 31,
	2014						2013						2012
	Interest Income Recognized			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment			Interest Income Recognized			Average Recorded Investment
	(In thousands)
Impaired loans with specific allowance
Commercial	$	237		$	5,899		$	160		$	12,709		$	259		$	16,518
Residential troubled-debt restructuring		2,623			90,383			2,266			82,028			1,566			64,444
Impaired loans with no specific allowance
Commercial		9,400			90,748			1,139			26,188			949			24,956
Total interest income from impaired loans	$	12,260		$	187,030		$	3,565		$	120,925		$	2,774		$	105,918

Covered Loans

The Company's recorded investment in covered loan pools that have recorded impairments and their related allowance for covered loan and lease losses as of December 31, 2014 and 2013 are as follows:

	December 31, 2014
										Coverage
	Unpaid			Recorded			Specific			to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired covered loan pools:
Loans secured by 1-4 family residential properties	$	134,579		$	106,116		$	15,522		15%
Construction and development secured by 1-4 family residential properties		57,123			19,562			10,724		55%
Commercial and other construction		93,894			74,069			37,610		51%
Consumer		7,992			4,506			389		9%
Total investment in impaired covered loan pools	$	293,588		$	204,253		$	64,245		31%

	December 31, 2013
										Coverage
	Unpaid			Recorded			Specific			to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired covered loan pools with specific allowance
Loans secured by 1-4 family residential properties	$	52,142		$	38,179		$	12,495		33%
Construction and development secured by 1-4 family residential properties		66,037			17,304			6,866		40%
Commercial and other construction		209,566			111,946			32,753		29%
Consumer		10,512			5,857			615		11%
Total investment in impaired covered loan pools	$	338,257		$	173,286		$	52,729		30%

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

Modifications

The following tables present the troubled-debt restructurings during the years ended 2014, 2013 and 2012:

	Year Ended December 31, 2014
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	162		$	21,188		6.03%		350		$	20,958		4.25%		420
Commercial	26			200,446		7.25%		3			200,125		7.25%		10
Consumer	26			212		10.09%		56			240		12.96%		65
	Year Ended December 31, 2013
	Number of contracts		Pre-Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	145		$	20,143		6.52%		340		$	20,971		4.34%		409
Commercial	2			1,842		8.99%		87			1,842		4.00%		66
Consumer	2			15		13.43%		75			15		12.67%		67
	Year Ended December 31, 2012
	Number of contracts		Pre- Modification Outstanding Recorded Investment			Pre-Modification Weighted Average Rate		Pre-Modification Weighted Average Term (in Months)		Post-Modification Outstanding Recorded Investment			Post-Modification Weighted Average Rate		Post-Modification Weighted Average Term (in Months)
	(Dollars in thousands)
Mortgage	227		$	33,286		6.41%		315		$	35,568		4.75%		402
Commercial	2			3,456		6.17%		53			3,462		6.26%		56

Commercial troubled-debt restructurings during the year ended December 31, 2014 included 19 contracts with PREPA which amounted to $200.0 million.

The following table presents troubled-debt restructurings for which there was a payment default during the years ended 2014, 2013 and 2012:

	Year Ended December 31,
	2014					2013					2012
	Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment
	(Dollars in thousands)
Mortgage	15		$	1,700		15		$	1,689		32		$	4,107
Commercial	-		$	-		-		$	-		1		$	477
Consumer	5		$	37		1		$	9		-		$	-

Financing Receivable Credit Quality Indicators [Table Text Block]

As of December 31, 2014 and 2013, and based on the most recent analysis performed, the risk category of gross non-covered originated and other loans and acquired loans accounted for under ASC 310-20 subject to risk rating by class of loans is as follows:

	December 31, 2014
	Risk Ratings
																Individually
	Balance						Special									Measured for
	Outstanding			Pass			Mention			Substandard			Doubtful			Impairment
	(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate	$	133,076		$	109,282		$	15,615		$	-		$	-		$	8,179
Institutional		36,611			27,089			9,284			-			-			238
Middle market		164,050			148,360			2,817			-			-			12,873
Retail		175,628			159,209			3,690			2,637			-			10,092
Floor plan		1,650			285			958			-			-			407
Real estate		12,628			12,628			-			-			-			-
		523,643			456,853			32,364			2,637			-			31,789
Other commercial and industrial:
Corporate		63,746			63,746			-			-			-			-
Institutional		478,935			278,953			-			-			-			199,982
Middle market		92,334			87,126			2,815			-			-			2,393
Retail		90,171			85,941			259			2,575			-			1,396
Floor plan		40,903			38,148			1,247			126			-			1,382
		766,089			553,914			4,321			2,701			-			205,153
Total		1,289,732			1,010,767			36,685			5,338			-			236,942
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Retail		351			-			-			351			-			-
Floor plan		4,131			4,131			-			-			-			-
		4,482			4,131			-			351			-			-
Other commercial and industrial:
Retail		4,121			4,080			8			33			-			-
Floor plan		4,072			4,072			-			-			-			-
		8,193			8,152			8			33			-			-
Total		12,675			12,283			8			384			-			-
Total	$	1,302,407		$	1,023,050		$	36,693		$	5,722		$	-		$	236,942

	December 31, 2013
	Risk Ratings
																Individually
	Balance						Special									Measured for
	Outstanding			Pass			Mention			Substandard			Doubtful			Impairment
	(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate	$	54,796		$	54,796		$	-		$	-		$	-		$	-
Institutional		4,050			4,050			-			-			-			-
Middle market		161,583			133,061			16,627			118			-			11,777
Retail		166,642			149,018			2,182			2,258			-			13,184
Floor plan		1,835			1,835			-			-			-			-
Real estate		11,655			11,655			-			-			-			-
		400,561			354,415			18,809			2,376			-			24,961
Other commercial and industrial:
Corporate		32,598			32,598			-			-			-			-
Institutional		536,445			536,445			-			-			-			-
Middle market		58,897			53,868			3,466			198			-			1,365
Retail		61,510			58,742			257			691			-			1,820
Floor plan		37,646			37,350			188			108			-			-
		727,096			719,003			3,911			997			-			3,185
Total		1,127,657			1,073,418			22,720			3,373			-			28,146
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Corporate		10,166			10,166			-			-			-			-
Retail		5,770			4,378			443			949			-			-
Floor plan		2,677			2,576			-			101			-			-
		18,613			17,120			443			1,050			-			-
Other commercial and industrial:
Corporate		9,793			9,696			-			97			-			-
Retail		27,338			26,044			150			1,144			-			-
Floor plan		21,937			21,769			168			-			-			-
		59,068			57,509			318			1,241			-			-
Total		77,681			74,629			761			2,291			-			-
Total	$	1,205,338		$	1,148,047		$	23,481		$	5,664		$	-		$	28,146

	December 31, 2014
	Delinquency
																						Individually
	Balance																					Measured for
	Outstanding			0-29 days			30-59 days			60-89 days			90-119 days			120-364 days			365+ days			Impairment
	(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year)
Up to the year 2002	$	65,744		$	53,432		$	3,963		$	3,083		$	1,044		$	1,360		$	1,975		$	887
Years 2003 and 2004		109,669			86,941			10,391			4,362			1,657			3,215			1,330			1,773
Year 2005		60,472			49,275			3,824			2,205			389			1,673			1,893			1,213
Year 2006		85,550			65,113			5,263			2,967			1,242			2,801			4,624			3,540
Years 2007, 2008 and 2009		93,489			76,246			4,230			1,809			337			3,986			2,813			4,068
Years 2010, 2011, 2012 2013 and 2014		204,424			190,650			2,988			2,490			938			1,397			1,296			4,665
		619,348			521,657			30,659			16,916			5,607			14,432			13,931			16,146
Non-traditional		36,200			30,916			1,477			584			478			600			2,096			49
Loss mitigation program		93,443			10,882			995			1,123			802			405			1,246			77,990
		748,991			563,455			33,131			18,623			6,887			15,437			17,273			94,185
Home equity secured personal loans		517			517			-			-			-			-			-			-
GNMA's buy-back option program		42,243			-			-			-			6,416			20,729			15,098			-
		791,751			563,972			33,131			18,623			13,303			36,166			32,371			94,185
Consumer
Credit cards		19,071			18,198			360			139			171			203			-			-
Overdrafts		307			287			20			-			-			-			-			-
Unsecured personal lines of credit		2,200			1,970			102			25			38			62			3			-
Unsecured personal loans		147,939			144,060			1,752			730			623			55			-			719
Cash collateral personal loans		17,243			16,920			275			39			9			-			-			-
		186,760			181,435			2,509			933			841			320			3			719
Auto and Leasing		575,582			503,588			47,658			16,916			5,196			2,224			-			-
		1,554,093			1,248,995			83,298			36,472			19,340			38,710			32,374			94,904
Acquired loans (accounted for under ASC 310-20)
Consumer
Credit cards		41,848			38,419			1,376			654			589			810			-			-
Personal loans		3,496			3,221			151			47			39			38			-			-
		45,344			41,640			1,527			701			628			848			-			-
Auto		184,782			169,064			11,003			3,453			767			495			-			-
		230,126			210,704			12,530			4,154			1,395			1,343			-			-
Total	$	1,784,219		$	1,459,699		$	95,828		$	40,626		$	20,735		$	40,053		$	32,374		$	94,904

	December 31, 2013
	Delinquency
																						Individually
	Balance																					Measured for
	Outstanding			0-29 days			30-59 days			60-89 days			90-119 days			120-364 days			365+ days			Impairment
	(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year)
Up to the year 2002	$	76,512		$	64,743		$	6,594		$	1,634		$	868		$	1,082		$	1,458		$	133
Years 2003 and 2004		65,117			56,283			4,722			1,938			56			1,437			352			329
Year 2005		89,541			74,016			8,414			2,119			1,198			3,037			573			184
Year 2006		120,322			99,243			12,055			4,312			1,148			2,755			515			294
Years 2007, 2008 and 2009		101,150			91,920			3,464			1,104			1,264			2,844			554			-
Years 2010, 2011, 2012 and 2013		149,546			134,577			3,192			1,609			115			974			989			8,090
		602,188			520,782			38,441			12,716			4,649			12,129			4,441			9,030
Non-traditional		42,102			35,168			3,217			1,162			-			1,324			833			398
Loss mitigation program		86,318			7,762			1,376			149			624			312			1,029			75,066
		730,608			563,712			43,034			14,027			5,273			13,765			6,303			84,494
Home equity secured personal loans		736			598			-			-			-			126			12			-
GNMA's buy-back option program		34,921			-			-			-			7,670			14,425			12,826			-
		766,265			564,310			43,034			14,027			12,943			28,316			19,141			84,494
Consumer
Credit cards		15,241			14,555			287			168			118			113			-			-
Overdrafts		372			322			46			4			-			-			-			-
Unsecured personal lines of credit		1,981			1,844			33			38			25			34			7			-
Unsecured personal loans		94,560			92,102			1,272			399			300			39			13			435
Cash collateral personal loans		15,590			15,223			324			43			-			-			-			-
		127,744			124,046			1,962			652			443			186			20			435
Auto and Leasing		379,874			339,817			25,532			9,437			3,397			1,691			-			-
		1,273,883			1,028,173			70,528			24,116			16,783			30,193			19,161			84,929
Acquired loans (accounted for under ASC 310-20)
Consumer
Credit cards		52,199			46,713			2,217			1,200			828			1,241			-			-
Personal loans		3,975			3,681			196			7			60			31			-			-
		56,174			50,394			2,413			1,207			888			1,272			-			-
Auto		301,584			283,825			12,534			3,616			1,095			514			-			-
		357,758			334,219			14,947			4,823			1,983			1,786			-			-
Total	$	1,631,641		$	1,362,392		$	85,475		$	28,939		$	18,766		$	31,979		$	19,161		$	84,929

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