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Loans Receivable (Tables) | 9 Months Ended
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Sep. 30, 2015
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 September 30, 2015 and December 31, 2014 was as follows
| September 30, |  | December 31,
| 2015 |  | 2014
| (In thousands)
Originated and other loans and leases held for investment: |  |  |  |  |
Mortgage | $ | 762,636 |  | $ | 791,751
Commercial |  | 1,389,353 |  |  | 1,289,732
Consumer |  | 227,756 |  |  | 186,760
Auto and leasing |  | 647,544 |  |  | 575,582
|  | 3,027,289 |  |  | 2,843,825
Allowance for loan and lease losses on originated and other loans and leases |  | (80,351) |  |  | (51,439)
|  | 2,946,938 |  |  | 2,792,386
Deferred loan costs, net |  | 4,571 |  |  | 4,282
Total originated and other loans loans held for investment, net |  | 2,951,509 |  |  | 2,796,668
Acquired loans: |  |  |  |  |
Acquired BBVAPR loans: |  |  |  |  |
Accounted for under ASC 310-20 (Loans with revolving feature and/or |  |  |  |  |
acquired at a premium) |  |  |  |  |
Commercial |  | 7,736 |  |  | 12,675
Consumer |  | 39,774 |  |  | 45,344
Auto |  | 124,120 |  |  | 184,782
|  | 171,630 |  |  | 242,801
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-20 |  | (5,473) |  |  | (4,597)
|  | 166,157 |  |  | 238,204
Accounted for under ASC 310-30 (Loans acquired with deteriorated |  |  |  |  |
credit quality, including those by analogy) |  |  |  |  |
Mortgage |  | 617,268 |  |  | 656,122
Commercial |  | 395,637 |  |  | 452,201
Construction |  | - |  |  | 106,361
Consumer |  | 15,072 |  |  | 29,888
Auto |  | 173,979 |  |  | 247,233
|  | 1,201,956 |  |  | 1,491,805
Allowance for loan and lease losses on Acquired BBVAPR loans accounted for under ASC 310-30 |  | (19,986) |  |  | (13,481)
|  | 1,181,970 |  |  | 1,478,324
Total acquired BBVAPR loans, net |  | 1,348,127 |  |  | 1,716,528
Acquired Eurobank loans: |  |  |  |  |
Loans secured by 1-4 family residential properties |  | 92,757 |  |  | 102,162
Commercial |  | 144,704 |  |  | 256,488
Consumer |  | 2,708 |  |  | 4,506
Total acquired Eurobank loans |  | 240,169 |  |  | 363,156
Allowance for loan and lease losses on Eurobank loans |  | (90,332) |  |  | (64,245)
Total acquired Eurobank loans, net |  | 149,837 |  |  | 298,911
Total acquired loans, net |  | 1,497,964 |  |  | 2,015,439
Total held for investment, net |  | 4,449,473 |  |  | 4,812,107
Mortgage loans held for sale |  | 19,203 |  |  | 14,539
Total loans, net | $ | 4,468,676 |  | $ | 4,826,646
Past Due Financing Receivables [Table Text Block] | The following table s present the aging of the recorded investment in gross originated and other loans held for investment as of September 30, 2015 and December 31, 2014 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 r epurchase, even when they elect not to exercise that option
| September 30, 2015
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  | Current |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  | in Non- |  | Current |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Accrual |  | Accruing |  | Total Loans |  | Accruing
| (In thousands) |  |  |
Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Traditional (by origination year): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Up to the year 2002 | $ | 81 |  | $ | 2,270 |  | $ | 3,900 |  | $ | 6,251 |  | $ | - |  | $ | 53,330 |  | $ | 59,581 |  | $ | 73
Years 2003 and 2004 |  | 364 |  |  | 4,723 |  |  | 5,826 |  |  | 10,913 |  |  | - |  |  | 90,950 |  |  | 101,863 |  |  | -
Year 2005 |  | - |  |  | 2,525 |  |  | 3,686 |  |  | 6,211 |  |  | - |  |  | 49,389 |  |  | 55,600 |  |  | -
Year 2006 |  | 97 |  |  | 2,853 |  |  | 8,133 |  |  | 11,083 |  |  | 137 |  |  | 69,207 |  |  | 80,427 |  |  | -
Years 2007, 2008 and 2009 |  | 539 |  |  | 2,320 |  |  | 15,442 |  |  | 18,301 |  |  | - |  |  | 76,017 |  |  | 94,318 |  |  | 666
Years 2010, 2011, 2012, 2013 |  | 599 |  |  | 1,249 |  |  | 10,337 |  |  | 12,185 |  |  | - |  |  | 142,346 |  |  | 154,531 |  |  | 74
Years 2014 and 2015 |  | - |  |  | 96 |  |  | 185 |  |  | 281 |  |  | - |  |  | 76,111 |  |  | 76,392 |  |  | -
|  | 1,680 |  |  | 16,036 |  |  | 47,509 |  |  | 65,225 |  |  | 137 |  |  | 557,350 |  |  | 622,712 |  |  | 813
Non-traditional |  | - |  |  | 1,918 |  |  | 3,468 |  |  | 5,386 |  |  | 14 |  |  | 26,849 |  |  | 32,249 |  |  | -
Loss mitigation program |  | 11,696 |  |  | 5,981 |  |  | 16,001 |  |  | 33,678 |  |  | 4,786 |  |  | 61,703 |  |  | 100,167 |  |  | 3,757
|  | 13,376 |  |  | 23,935 |  |  | 66,978 |  |  | 104,289 |  |  | 4,937 |  |  | 645,902 |  |  | 755,128 |  |  | 4,570
Home equity secured personal loans |  | 64 |  |  | - |  |  | - |  |  | 64 |  |  | - |  |  | 451 |  |  | 515 |  |  | -
GNMA's buy-back option program |  | - |  |  | - |  |  | 6,993 |  |  | 6,993 |  |  | - |  |  | - |  |  | 6,993 |  |  | -
|  | 13,440 |  |  | 23,935 |  |  | 73,971 |  |  | 111,346 |  |  | 4,937 |  |  | 646,353 |  |  | 762,636 |  |  | 4,570
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 224,110 |  |  | 224,110 |  |  | -
Institutional |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 34,342 |  |  | 34,342 |  |  | -
Middle market |  | - |  |  | - |  |  | 6,212 |  |  | 6,212 |  |  | 7,889 |  |  | 193,154 |  |  | 207,255 |  |  | -
Retail |  | 516 |  |  | 350 |  |  | 7,222 |  |  | 8,088 |  |  | 1,139 |  |  | 202,534 |  |  | 211,761 |  |  | -
Floor plan |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,925 |  |  | 2,925 |  |  | -
Real estate |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 16,766 |  |  | 16,766 |  |  | -
|  | 516 |  |  | 350 |  |  | 13,434 |  |  | 14,300 |  |  | 9,028 |  |  | 673,831 |  |  | 697,159 |  |  | -
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 71,714 |  |  | 71,714 |  |  | -
Institutional |  | - |  |  | - |  |  | - |  |  | - |  |  | 193,904 |  |  | 189,882 |  |  | 383,786 |  |  | -
Middle market |  | 20 |  |  | - |  |  | 223 |  |  | 243 |  |  | 2,046 |  |  | 105,554 |  |  | 107,843 |  |  | -
Retail |  | 276 |  |  | 255 |  |  | 1,204 |  |  | 1,735 |  |  | 944 |  |  | 89,989 |  |  | 92,668 |  |  | -
Floor plan |  | 178 |  |  | 83 |  |  | 475 |  |  | 736 |  |  | - |  |  | 35,447 |  |  | 36,183 |  |  | -
|  | 474 |  |  | 338 |  |  | 1,902 |  |  | 2,714 |  |  | 196,894 |  |  | 492,586 |  |  | 692,194 |  |  | -
|  | 990 |  |  | 688 |  |  | 15,336 |  |  | 17,014 |  |  | 205,922 |  |  | 1,166,417 |  |  | 1,389,353 |  |  | -
| September 30, 2015
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  | Current |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  | in Non- |  | Current |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Accrual |  | Accruing |  | Total Loans |  | Accruing
| (In thousands) |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 436 |  |  | 182 |  |  | 344 |  |  | 962 |  |  | - |  |  | 20,186 |  |  | 21,148 |  |  | -
Overdrafts |  | 15 |  |  | - |  |  | - |  |  | 15 |  |  | - |  |  | 260 |  |  | 275 |  |  | -
Personal lines of credit |  | 31 |  |  | 27 |  |  | 39 |  |  | 97 |  |  | 21 |  |  | 2,066 |  |  | 2,184 |  |  | -
Personal loans |  | 1,798 |  |  | 822 |  |  | 862 |  |  | 3,482 |  |  | 641 |  |  | 183,703 |  |  | 187,826 |  |  | -
Cash collateral personal loans |  | 171 |  |  | 103 |  |  | 2 |  |  | 276 |  |  | - |  |  | 16,047 |  |  | 16,323 |  |  | -
|  | 2,451 |  |  | 1,134 |  |  | 1,247 |  |  | 4,832 |  |  | 662 |  |  | 222,262 |  |  | 227,756 |  |  | -
Auto and leasing |  | 52,412 |  |  | 19,215 |  |  | 8,986 |  |  | 80,613 |  |  | 282 |  |  | 566,649 |  |  | 647,544 |  |  | -
Total | $ | 69,293 |  | $ | 44,972 |  | $ | 99,540 |  | $ | 213,805 |  | $ | 211,803 |  | $ | 2,601,681 |  | $ | 3,027,289 |  | $ | 4,570
| December 31, 2014
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  | Current |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  | in Non- |  | Current |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Accrual |  | Accruing |  | 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 |  |  | 455 |  |  | 87,506 |  |  | 109,669 |  |  | -
Year 2005 |  | 3,824 |  |  | 2,205 |  |  | 4,454 |  |  | 10,483 |  |  | 131 |  |  | 49,858 |  |  | 60,472 |  |  | -
Year 2006 |  | 5,706 |  |  | 3,298 |  |  | 8,667 |  |  | 17,671 |  |  | 548 |  |  | 67,331 |  |  | 85,550 |  |  | 89
Years 2007, 2008 and 2009 |  | 5,283 |  |  | 1,809 |  |  | 7,646 |  |  | 14,738 |  |  | 761 |  |  | 77,990 |  |  | 93,489 |  |  | -
Years 2010, 2011, 2012, 2013 |  | 3,394 |  |  | 2,992 |  |  | 6,900 |  |  | 13,286 |  |  | - |  |  | 149,030 |  |  | 162,316 |  |  | 365
Year 2014 |  | 290 |  |  | - |  |  | - |  |  | 290 |  |  | - |  |  | 41,818 |  |  | 42,108 |  |  | -
|  | 33,109 |  |  | 18,196 |  |  | 38,551 |  |  | 89,856 |  |  | 1,895 |  |  | 527,597 |  |  | 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 |  |  | 6,358 |  |  | 57,666 |  |  | 93,443 |  |  | 2,766
|  | 42,785 |  |  | 25,886 |  |  | 55,888 |  |  | 124,559 |  |  | 8,253 |  |  | 616,179 |  |  | 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 |  |  | 8,253 |  |  | 616,696 |  |  | 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 |  |  | 8,494 |  |  | 154,515 |  |  | 164,050 |  |  | -
Retail |  | 330 |  |  | 561 |  |  | 7,275 |  |  | 8,166 |  |  | 1,445 |  |  | 166,017 |  |  | 175,628 |  |  | -
Floor plan |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,650 |  |  | 1,650 |  |  | -
Real estate |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 12,628 |  |  | 12,628 |  |  | -
|  | 330 |  |  | 1,206 |  |  | 7,671 |  |  | 9,207 |  |  | 9,939 |  |  | 504,497 |  |  | 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 |  |  | 1,047 |  |  | 86,785 |  |  | 90,171 |  |  | -
Floor plan |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 40,903 |  |  | 40,903 |  |  | -
|  | 866 |  |  | 412 |  |  | 1,679 |  |  | 2,957 |  |  | 1,047 |  |  | 762,085 |  |  | 766,089 |  |  | -
|  | 1,196 |  |  | 1,618 |  |  | 9,350 |  |  | 12,164 |  |  | 10,986 |  |  | 1,266,582 |  |  | 1,289,732 |  |  | -
| December 31, 2014
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  | Current |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  | in Non- |  | Current |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Accrual |  | Accruing |  | 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 |  |  | 9 |  |  | 1,962 |  |  | 2,200 |  |  | -
Personal loans |  | 1,822 |  |  | 743 |  |  | 678 |  |  | 3,243 |  |  | 337 |  |  | 144,359 |  |  | 147,939 |  |  | -
Cash collateral personal loans |  | 275 |  |  | 39 |  |  | 9 |  |  | 323 |  |  | - |  |  | 16,920 |  |  | 17,243 |  |  | -
|  | 2,579 |  |  | 946 |  |  | 1,164 |  |  | 4,689 |  |  | 346 |  |  | 181,725 |  |  | 186,760 |  |  | -
Auto and leasing |  | 47,658 |  |  | 16,916 |  |  | 7,420 |  |  | 71,994 |  |  | 145 |  |  | 503,443 |  |  | 575,582 |  |  | -
Total | $ | 94,218 |  | $ | 45,366 |  | $ | 116,065 |  | $ | 255,649 |  | $ | 19,730 |  | $ | 2,568,446 |  | $ | 2,843,825 |  | $ | 3,354
The following table s present the aging of the recorded investment in gross acquired BBVAPR loans accounted for under ASC 310-20 as of September 30, 2015 and December 31, 2014, by class of loans:
| September 30, 2015
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  | Current |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  | in Non- |  | Current |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Accrual |  | Accruing |  | Total Loans |  | Accruing
| (In thousands) |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail | $ | - |  | $ | - |  | $ | 279 |  | $ | 279 |  | $ | 47 |  | $ | - |  | $ | 326 |  | $ | -
Floor plan |  | - |  |  | - |  |  | 478 |  |  | 478 |  |  | - |  |  | 2,470 |  |  | 2,948 |  |  | -
|  | - |  |  | - |  |  | 757 |  |  | 757 |  |  | 47 |  |  | 2,470 |  |  | 3,274 |  |  | -
Other commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 228 |  |  | 24 |  |  | 61 |  |  | 313 |  |  | - |  |  | 3,475 |  |  | 3,788 |  |  | -
Floor plan |  | - |  |  | 10 |  |  | 7 |  |  | 17 |  |  | 1 |  |  | 656 |  |  | 674 |  |  | -
|  | 228 |  |  | 34 |  |  | 68 |  |  | 330 |  |  | 1 |  |  | 4,131 |  |  | 4,462 |  |  | -
|  | 228 |  |  | 34 |  |  | 825 |  |  | 1,087 |  |  | 48 |  |  | 6,601 |  |  | 7,736 |  |  | -
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 825 |  |  | 422 |  |  | 769 |  |  | 2,016 |  |  | - |  |  | 34,510 |  |  | 36,526 |  |  | -
Personal loans |  | 89 |  |  | 14 |  |  | 41 |  |  | 144 |  |  | - |  |  | 3,104 |  |  | 3,248 |  |  | -
|  | 914 |  |  | 436 |  |  | 810 |  |  | 2,160 |  |  | - |  |  | 37,614 |  |  | 39,774 |  |  | -
Auto |  | 9,010 |  |  | 2,921 |  |  | 1,040 |  |  | 12,971 |  |  | 49 |  |  | 111,100 |  |  | 124,120 |  |  | -
Total | $ | 10,152 |  | $ | 3,391 |  | $ | 2,675 |  | $ | 16,218 |  | $ | 97 |  | $ | 155,315 |  | $ | 171,630 |  | $ | -
| December 31, 2014
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Loans 90+
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Days Past
|  |  |  |  |  |  |  |  |  |  |  |  | Current |  |  |  |  |  |  |  | Due and
| 30-59 Days |  | 60-89 Days |  | 90+ Days |  | Total Past |  | in Non- |  | Current |  |  |  | Still
| Past Due |  | Past Due |  | Past Due |  | Due |  | Accrual |  | Accruing |  | 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 |  |  | 2 |  |  | 3,705 |  |  | 4,121 |  |  | -
Floor plan |  | 202 |  |  | 134 |  |  | 223 |  |  | 559 |  |  | 10 |  |  | 3,503 |  |  | 4,072 |  |  | -
|  | 357 |  |  | 201 |  |  | 415 |  |  | 973 |  |  | 12 |  |  | 7,208 |  |  | 8,193 |  |  | -
|  | 357 |  |  | 263 |  |  | 1,111 |  |  | 1,731 |  |  | 12 |  |  | 10,932 |  |  | 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 |  |  | 76 |  |  | 168,988 |  |  | 184,782 |  |  | -
Total | $ | 12,887 |  | $ | 4,417 |  | $ | 3,849 |  | $ | 21,153 |  | $ | 88 |  | $ | 221,560 |  | $ | 242,801 |  | $ | -
Carrying Amounts Of Acquired Loans Tabular Disclosure [Table Text Block] | The carrying amount corresponding to acquired BBVAPR loans with deteriorated credit quality, including those accounted under ASC 310-30 by analogy, in the statements of financial condition at September 30, 2015 and December 31, 2014 is as follows:
|  | September 30, |  | December 31,
|  | 2015 |  | 2014
|  | (In thousands)
Contractual required payments receivable |  | $2,022,672 |  | $2,394,378
Less: Non-accretable discount |  | $442,103 |  | $456,627
Cash expected to be collected |  | 1,580,569 |  | 1,937,751
Less: Accretable yield |  | 378,613 |  | 445,946
Carrying amount, gross |  | 1,201,956 |  | 1,491,805
Less: allowance for loan and lease losses |  | 19,986 |  | 13,481
Carrying amount, net |  | $1,181,970 |  | $1,478,324
Accretable Yield for Acquired Loans [Table Text Block] | The following tables describe the accretable yield and non-accretable discount activity of acquired BBVAPR loans accounted f or under ASC 310-30 for the quarters and nine-month period s ended September 30, 2015 and 2014
| Quarter Ended September 30, 2015
| Mortgage |  | Commercial |  | Construction |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 275,880 |  | $ | 71,563 |  | $ | 24,613 |  | $ | 31,531 |  | $ | 8,461 |  | $ | 412,048
Accretion |  | (8,614) |  |  | (12,693) |  |  | (2,719) |  |  | (5,463) |  |  | (1,207) |  |  | (30,696)
Change in expected cash flows |  | - |  |  | 6,134 |  |  | 1,396 |  |  | (1) |  |  | (1) |  |  | 7,528
Transfer (to) from non-accretable discount |  | 75 |  |  | (6,450) |  |  | (4,075) |  |  | 148 |  |  | 35 |  |  | (10,267)
Balance at end of period | $ | 267,341 |  | $ | 58,554 |  | $ | 19,215 |  | $ | 26,215 |  | $ | 7,288 |  | $ | 378,613
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 389,107 |  | $ | 10,770 |  | $ | 6,994 |  | $ | 23,690 |  | $ | 19,356 |  | $ | 449,917
Change in actual and expected losses |  | (2,184) |  |  | (12,090) |  |  | (2,937) |  |  | (555) |  |  | (315) |  |  | (18,081)
Transfer from (to) accretable yield |  | (75) |  |  | 6,450 |  |  | 4,075 |  |  | (148) |  |  | (35) |  |  | 10,267
Balance at end of period | $ | 386,848 |  | $ | 5,130 |  | $ | 8,132 |  | $ | 22,987 |  | $ | 19,006 |  | $ | 442,103
| Nine-Month Period Ended September 30, 2015
| Mortgage |  | Commercial |  | Construction |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 298,364 |  | $ | 61,196 |  | $ | 25,829 |  | $ | 53,998 |  | $ | 6,559 |  | $ | 445,946
Accretion |  | (26,414) |  |  | (33,049) |  |  | (8,672) |  |  | (18,614) |  |  | (3,420) |  |  | (90,169)
Change in expected cash flows |  | - |  |  | 6,134 |  |  | 1,396 |  |  | (1) |  |  | (1) |  |  | 7,528
Transfer (to) from non-accretable discount |  | (4,609) |  |  | 24,273 |  |  | 662 |  |  | (9,168) |  |  | 4,150 |  |  | 15,308
Balance at end of period | $ | 267,341 |  | $ | 58,554 |  | $ | 19,215 |  | $ | 26,215 |  | $ | 7,288 |  | $ | 378,613
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 389,839 |  | $ | 23,069 |  | $ | 3,486 |  | $ | 16,215 |  | $ | 24,018 |  | $ | 456,627
Change in actual and expected losses |  | (7,600) |  |  | 6,334 |  |  | 5,308 |  |  | (2,396) |  |  | (862) |  |  | 784
Transfer from (to) accretable yield |  | 4,609 |  |  | (24,273) |  |  | (662) |  |  | 9,168 |  |  | (4,150) |  |  | (15,308)
Balance at end of period | $ | 386,848 |  | $ | 5,130 |  | $ | 8,132 |  | $ | 22,987 |  | $ | 19,006 |  | $ | 442,103
| Quarter Ended September 30, 2014
| Mortgage |  | Commercial |  | Construction |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 269,105 |  | $ | 70,491 |  | $ | 30,672 |  | $ | 64,620 |  | $ | 9,718 |  | $ | 444,606
Accretion |  | (9,627) |  |  | (12,575) |  |  | (5,929) |  |  | (8,825) |  |  | (1,384) |  |  | (38,340)
Transfer (to) from non-accretable discount |  | - |  |  | 1,137 |  |  | (3,550) |  |  | 237 |  |  | 40 |  |  | (2,136)
Balance at end of period | $ | 259,478 |  | $ | 59,053 |  | $ | 21,193 |  | $ | 56,032 |  | $ | 8,374 |  | $ | 404,130
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 455,789 |  | $ | 41,050 |  | $ | 5,388 |  | $ | 27,279 |  | $ | 25,218 |  | $ | 554,724
Change in actual and expected losses |  | (15,802) |  |  | (4,215) |  |  | (8,937) |  |  | (2,800) |  |  | (1,119) |  |  | (32,873)
Transfer from (to) accretable yield |  | - |  |  | (1,137) |  |  | 3,550 |  |  | (237) |  |  | (40) |  |  | 2,136
Balance at end of period | $ | 439,987 |  | $ | 35,698 |  | $ | 1 |  | $ | 24,242 |  | $ | 24,059 |  | $ | 523,987
| Nine-Month Period September 30, 2014
| Mortgage |  | Commercial |  | Construction |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 287,841 |  |  | 96,139 |  |  | 42,993 |  |  | 77,845 |  |  | 12,735 |  |  | 517,553
Accretion |  | (28,359) |  |  | (37,509) |  |  | (16,388) |  |  | (31,243) |  |  | (4,824) |  |  | (118,323)
Transfer (to) from non-accretable discount |  | (4) |  |  | 423 |  |  | (5,412) |  |  | 9,430 |  |  | 463 |  |  | 4,900
Balance at end of period | $ | 259,478 |  |  | 59,053 |  |  | 21,193 |  |  | 56,032 |  |  | 8,374 |  |  | 404,130
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 463,166 |  |  | 42,515 |  |  | 5,851 |  |  | 39,645 |  |  | 28,410 |  |  | 579,587
Change in actual and expected losses |  | (23,183) |  |  | (6,394) |  |  | (11,262) |  |  | (5,973) |  |  | (3,888) |  |  | (50,700)
Transfer from (to) accretable yield |  | 4 |  |  | (423) |  |  | 5,412 |  |  | (9,430) |  |  | (463) |  |  | (4,900)
Balance at end of period | $ | 439,987 |  |  | 35,698 |  |  | 1 |  |  | 24,242 |  |  | 24,059 |  |  | 523,987
Eurobank loans carrying amount [Table Text Block] | Acquired Eurobank Loans The carrying amount of acquired Eurobank loans at September 30, 2015 and December 31, 2014 is as follows:
| September 30 |  | December 31
| 2015 |  | 2014
| (In thousands)
Contractual required payments receivable | $ | 357,702 |  | $ | 535,425
Less: Non-accretable discount |  | 21,675 |  |  | 62,410
Cash expected to be collected |  | 336,027 |  |  | 473,015
Less: Accretable yield |  | 95,858 |  |  | 109,859
Carrying amount, gross |  | 240,169 |  |  | 363,156
Less: Allowance for covered loan and lease losses |  | 90,332 |  |  | 64,245
Carrying amount, net | $ | 149,837 |  | $ | 298,911
Accretable Yield for Acquired Eurobank Loans [Table Text Block] | The following tables describe the accretable yield and non-a ccretable discount activity of acquired Eurobank loans for the quarters and nine-month periods periods ended September 30, 2015 and 2014:
| Nine-Month Period Ended September 30, 2015
| Loans Secured by 1-4 Family Residential Properties |  | Commercial and Other Construction |  | Construction & Development Secured by 1-4 Family Residential Properties |  | Leasing |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 47,636 |  | $ | 37,919 |  | $ | 20,753 |  | $ | 2,479 |  | $ | 1,072 |  | $ | 109,859
Accretion |  | (10,337) |  |  | (28,002) |  |  | (2,470) |  |  | (3,040) |  |  | (427) |  |  | (44,276)
Change in expected cash flows |  | 4,320 |  |  | 43,775 |  |  | (10,749) |  |  | 270 |  |  | 118 |  |  | 37,734
Transfer from (to) non-accretable discount |  | 12,776 |  |  | (22,944) |  |  | (1,205) |  |  | 1,260 |  |  | 2,654 |  |  | (7,459)
Balance at end of period | $ | 54,395 |  | $ | 30,748 |  | $ | 6,329 |  | $ | 969 |  | $ | 3,417 |  | $ | 95,858
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 27,348 |  | $ | 24,464 |  | $ | - |  | $ | - |  | $ | 10,598 |  | $ | 62,410
Change in actual and expected losses |  | (990) |  |  | (47,408) |  |  | (1,205) |  |  | 1,260 |  |  | 149 |  |  | (48,194)
Transfer from (to) accretable yield |  | (12,776) |  |  | 22,944 |  |  | 1,205 |  |  | (1,260) |  |  | (2,654) |  |  | 7,459
Balance at end of period | $ | 13,582 |  | $ | - |  | $ | - |  | $ | - |  | $ | 8,093 |  | $ | 21,675
| Quarter Ended September 30, 2014
| Loans Secured by 1-4 Family Residential Properties |  | Commercial and Other Construction |  | Construction & Development Secured by 1-4 Family Residential Properties |  | Leasing |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 50,586 |  | $ | 70,227 |  | $ | - |  | $ | 5,100 |  | $ | 2,148 |  | $ | 128,061
Accretion |  | (3,882) |  |  | (13,044) |  |  | (1,056) |  |  | (2,500) |  |  | (404) |  |  | (20,886)
Transfer from (to) non-accretable discount |  | - |  |  | 698 |  |  | 1,056 |  |  | 305 |  |  | 750 |  |  | 2,809
Balance at end of period | $ | 46,704 |  | $ | 57,881 |  | $ | - |  | $ | 2,905 |  | $ | 2,494 |  | $ | 109,984
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 29,859 |  | $ | 46,596 |  | $ | - |  | $ | - |  | $ | 8,769 |  | $ | 85,224
Change in actual and expected losses |  | (888) |  |  | (5,648) |  |  | 1,056 |  |  | 305 |  |  | 700 |  |  | (4,475)
Transfer (to) from accretable yield |  | - |  |  | (698) |  |  | (1,056) |  |  | (305) |  |  | (750) |  |  | (2,809)
Balance at end of period | $ | 28,971 |  | $ | 40,250 |  | $ | - |  | $ | - |  | $ | 8,719 |  | $ | 77,940
| Nine-Month Period Ended September 30, 2014
| Loans Secured by 1-4 Family Residential Properties |  | Commercial and Other Construction |  | Construction & Development Secured by 1-4 Family Residential Properties |  | Leasing |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 53,250 |  | $ | 95,093 |  | $ | 1,690 |  | $ | 10,238 |  | $ | 2,688 |  | $ | 162,959
Accretion |  | (12,079) |  |  | (45,037) |  |  | (3,206) |  |  | (7,888) |  |  | (944) |  |  | (69,154)
Transfer from (to) non-accretable discount |  | 5,533 |  |  | 7,825 |  |  | 1,516 |  |  | 555 |  |  | 750 |  |  | 16,179
Balance at end of period | $ | 46,704 |  | $ | 57,881 |  | $ | - |  | $ | 2,905 |  | $ | 2,494 |  | $ | 109,984
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 39,182 |  | $ | 81,092 |  | $ | - |  | $ | - |  | $ | 9,203 |  | $ | 129,477
Change in actual and expected losses |  | (4,678) |  |  | (33,017) |  |  | 1,516 |  |  | 555 |  |  | 266 |  |  | (35,358)
Transfer (to) from accretable yield |  | (5,533) |  |  | (7,825) |  |  | (1,516) |  |  | (555) |  |  | (750) |  |  | (16,179)
Balance at end of period | $ | 28,971 |  | $ | 40,250 |  | $ | - |  | $ | - |  | $ | 8,719 |  | $ | 77,940
Financing Receivable Recorded Investment Nonaccrual Status By Class Of Loans [Table Text Block] | At September 30, 2015, $92.8 million in gross loans continue subject to the loss-s haring agreements with the FDIC and are disclosed under the name "loans secured by 1-4 family residential properties." At September 30, 2015, the net carrying amount of these loans was $60.1 million. Non-accrual Loans The following table presents the recorded investment in loans in non-accrual status by class of loans as of September 30, 2015 and December 31, 2014:
| September 30, |  | December 31,
| 2015 |  | 2014
| (In thousands)
Originated and other loans and leases held for investment |  |  |  |  |
Mortgage |  |  |  |  |
Traditional (by origination year): |  |  |  |  |
Up to the year 2002 | $ | 3,827 |  | $ | 4,427
Years 2003 and 2004 |  | 6,275 |  |  | 7,042
Year 2005 |  | 3,686 |  |  | 4,585
Year 2006 |  | 8,270 |  |  | 9,274
Years 2007, 2008 and 2009 |  | 14,949 |  |  | 8,579
Years 2010, 2011, 2012, 2013 |  | 10,264 |  |  | 7,365
Years 2014 and 2015 |  | 185 |  |  | -
|  | 47,456 |  |  | 41,272
Non-traditional |  | 3,482 |  |  | 3,224
Loss mitigation program |  | 19,227 |  |  | 20,934
|  | 70,165 |  |  | 65,430
Commercial |  |  |  |  |
Commercial secured by real estate |  |  |  |  |
Middle market |  | 14,101 |  |  | 9,534
Retail |  | 8,958 |  |  | 9,000
|  | 23,059 |  |  | 18,534
Other commercial and industrial |  |  |  |  |
Institutional |  | 193,904 |  |  | -
Middle market |  | 2,270 |  |  | 618
Retail |  | 2,364 |  |  | 2,527
Floor plan |  | 475 |  |  | -
|  | 199,013 |  |  | 3,145
|  | 222,072 |  |  | 21,679
Consumer |  |  |  |  |
Credit cards |  | 344 |  |  | 375
Personal lines of credit |  | 60 |  |  | 110
Personal loans |  | 1,598 |  |  | 1,092
Cash collateral personal loans |  | 2 |  |  | 13
|  | 2,004 |  |  | 1,590
Auto and leasing |  | 10,076 |  |  | 8,668
Total non-accrual originated loans | $ | 304,317 |  | $ | 97,367
| September 30, |  | December 31,
| 2015 |  | 2014
| (In thousands)
Acquired BBVAPR loans accounted for under ASC 310-20 |  |  |  |  |
Commercial |  |  |  |  |
Commercial secured by real estate |  |  |  |  |
Retail | $ | 326 |  | $ | 351
Floor plan |  | 477 |  |  | 407
|  | 803 |  |  | 758
Other commercial and industrial |  |  |  |  |
Retail |  | 61 |  |  | 195
Floor plan |  | 9 |  |  | 234
|  | 70 |  |  | 429
|  | 873 |  |  | 1,187
Consumer |  |  |  |  |
Credit cards |  | 769 |  |  | 1,399
Personal loans |  | 41 |  |  | 77
|  | 810 |  |  | 1,476
Auto |  | 1,244 |  |  | 1,512
Total non-accrual acquired BBVAPR loans accounted for under ASC 310-20 |  | 2,927 |  |  | 4,175
Total non-accrual loans | $ | 307,244 |  | $ | 101,542
Impaired Financing Receivables [Table Text Block] | O riginated and Other Loans and L eases Held for Investment T he Company’s recorded investment in commercial and mortgage loans, excluding acquired Eurobank loans, categorized as originated and other loans and leases held for investment that were individually evaluated for impairment and the related allowan ce for loan and lease losses at September 30, 2015 and December 31, 2014 are as follows:
| September 30, 2015 |  |
| Unpaid |  | Recorded |  | Related |  |  |  |
| Principal |  | Investment |  | Allowance |  | Coverage |  |
| (In thousands) |  |
Impaired loans with specific allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 213,930 |  | $ | 206,227 |  | $ | 26,809 |  | 13% |  |
Residential troubled-debt restructuring |  | 97,203 |  |  | 90,530 |  |  | 8,249 |  | 9% |  |
Impaired loans with no specific allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 30,464 |  |  | 26,887 |  |  | N/A |  | N/A |  |
Total investment in impaired loans | $ | 341,597 |  | $ | 323,644 |  | $ | 35,058 |  | 11% |  |
| 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% |  |
Acquired BBVAPR Loans Loans Accounted for under ASC 310-20 (Loans with revolving feature and/or acquired at a premium) T he Company’s recorded investment in acquired BBVAPR commercial loans accounted for under ASC 310-20 that were individually evaluated for impairment and the related allowance for loan and lease losses at September 30, 2015 and December 31, 2014 are as follows:
| September 30, 2015
| Unpaid |  | Recorded |  | Related |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |
Commercial | $ | 494 |  | $ | 485 |  |  | N/A |  | N/A
Total investment in impaired loans | $ | 494 |  | $ | 485 |  | $ | - |  | -
| December 31, 2014
| Unpaid |  | Recorded |  | Specific |  |
| 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 |  | $ | - |  | -
Loans Accounted for under ASC 310-30 (including those accounted for under ASC 310-30 by analogy) T he Company’s recorded investment in acquired BBVAPR loan pools accounted for under ASC 310-30 and their related allowance for loan and lease losses at September 30, 2015 and December 31, 2014 are as follows
| September 30, 2015
|  |  |  |  |  |  |  |  |  | Coverage
| Unpaid |  | Recorded |  |  |  | to Recorded
| Principal |  | Investment |  | Allowance |  | Investment
| (In thousands)
Impaired loan pools: |  |  |  |  |  |  |  |  |  |
Mortgage | $ | 617,268 |  | $ | 22,762 |  | $ | 557 |  | 2%
Commercial |  | 307,271 |  |  | 185,274 |  |  | 11,780 |  | 6%
Construction |  | 88,365 |  |  | 88,202 |  |  | 4,787 |  | 5%
Auto |  | 173,979 |  |  | 173,979 |  |  | 2,862 |  | 2%
Total investment in impaired loan pools | $ | 1,186,883 |  | $ | 470,217 |  | $ | 19,986 |  | 4%
| December 31 , 2014
|  |  |  |  |  |  |  |  |  | Coverage
| Unpaid |  | Recorded |  |  |  | to Recorded
| Principal |  | Investment |  | Allowance |  | Investment
| (In thousands)
Impaired 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 loan pools | $ | 415,826 |  | $ | 369,258 |  | $ | 13,481 |  | 4%
Acquired Eurobank Loans T he Company’s recorded investment in acquired Eurobank loan pools that have recorded impairment s and the ir related allowance for loan and lease losses as of September 30, 2015 and December 31, 2014 are as follows:
| September 30, 2015
|  |  |  |  |  |  |  |  |  | Coverage
| Unpaid |  | Recorded |  |  |  | to Recorded
| Principal |  | Investment |  | Allowance |  | Investment
| (In thousands)
Impaired loan pools: |  |  |  |  |  |  |  |  |  |
Loans secured by 1-4 family residential properties | $ | 108,537 |  | $ | 105,734 |  | $ | 32,685 |  | 31%
Construction and development secured by 1-4 family residential properties |  | 11,506 |  |  | 3,185 |  |  | 2,707 |  | 85%
Commercial and other construction |  | 137,163 |  |  | 128,543 |  |  | 54,697 |  | 43%
Consumer |  | 6,935 |  |  | 2,708 |  |  | 243 |  | 9%
Total investment in impaired loan pools | $ | 264,141 |  | $ | 240,170 |  | $ | 90,332 |  | 38%
| December 31, 2014
|  |  |  |  |  |  |  |  |  | Coverage
| Unpaid |  | Recorded |  | Specific |  | to Recorded
| Principal |  | Investment |  | Allowance |  | Investment
| (In thousands)
Impaired loan pools with specific allowance |  |  |  |  |  |  |  |  |  |
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 loan pools | $ | 293,588 |  | $ | 204,253 |  | $ | 64,245 |  | 31%
Impaired Financing Receivables Loans, excluding ASC 310-30 [Table Text Block] | The following table presents the interest recognized on commercial and mortgage loans that were individually evaluated for impairment, excluding loans accounted for under ASC 310-30, for the quarters and nine-month periods ended September 30, 2015 an d 2014:
| Quarter Ended September 30,
| 2015 |  | 2014
| Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment
| (In thousands)
Originated and other loans held for investment: |  |  |  |  |  |  |  |  |  |  |
Impaired loans with specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 37 |  | $ | 207,610 |  | $ | 28 |  | $ | 5,103
Residential troubled-debt restructuring |  | 788 |  |  | 90,278 |  |  | 666 |  |  | 91,293
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 365 |  |  | 31,159 |  |  | 1,728 |  |  | 89,029
|  | 1,190 |  |  | 329,047 |  |  | 2,422 |  |  | 185,425
Acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | - |  |  | 1,077 |  |  | - |  |  | -
Total interest income from impaired loans | $ | 1,190 |  | $ | 330,124 |  | $ | 2,422 |  | $ | 185,425
| Nine-Month Period Ended September 30,
| 2015 |  | 2014
| Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment
| (In thousands)
Originated and other loans held for investment: |  |  |  |  |  |  |  |  |  |  |
Impaired loans with specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 73 |  | $ | 166,633 |  | $ | 83 |  | $ | 6,187
Residential troubled-debt restructuring |  | 2,381 |  |  | 90,903 |  |  | 1,876 |  |  | 89,597
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 727 |  |  | 74,247 |  |  | 5,185 |  |  | 44,203
| $ | 3,181 |  | $ | 331,783 |  | $ | 7,144 |  | $ | 139,987
Acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | - |  |  | 1,641 |  |  | - |  |  | -
Total interest income from impaired loans | $ | 3,181 |  | $ | 333,424 |  | $ | 7,144 |  | $ | 139,987
Troubled Debt Restructurings on Financing Receivables [Table Text Block] | Modifications The follow ing tables present the troubled-debt restructuring s during the quarters and nine-month periods ended September 30, 2015 and 2014:
| Quarter Ended September 30, 2015
| 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 | 30 |  | $ | 3,846 |  | 6.34% |  | 338 |  | $ | 3,992 |  | 4.45% |  | 180
Commercial | 3 |  |  | 1,001 |  | 6.50% |  | 12 |  |  | 8,511 |  | 3.19% |  | 12
Consumer | 27 |  |  | 170 |  | 12.41% |  | 70 |  |  | 400 |  | 12.32% |  | 52
| Nine-Month Period Ended September 30, 2015
| 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 | 127 |  | $ | 15,455 |  | 5.07% |  | 346 |  | $ | 15,586 |  | 4.21% |  | 306
Commercial | 7 |  |  | 5,534 |  | 6.77% |  | 67 |  |  | 13,045 |  | 4.52% |  | 57
Consumer | 59 |  |  | 567 |  | 13.87% |  | 71 |  |  | 840 |  | 13.33% |  | 60
Auto | 1 |  |  | 64 |  | 12.95% |  | 72 |  |  | 65 |  | 12.95% |  | 72
| Quarter Ended September 30, 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 | 26 |  | $ | 3,016 |  | 5.62% |  | 347 |  | $ | 2,965 |  | 4.22% |  | 393
Commercial | 20 |  |  | 200,007 |  | 7.25% |  | 3 |  |  | 200,007 |  | 7.25% |  | 10
Consumer | 6 |  |  | 58 |  | 10.00% |  | 61 |  |  | 68 |  | 9.66% |  | 55
| Nine-Month Period Ended September 30, 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 | 113 |  | $ | 14,562 |  | 5.99% |  | 349 |  | $ | 14,162 |  | 4.21% |  | 389
Commercial | 21 |  |  | 200,080 |  | 7.25% |  | 3 |  |  | 200,080 |  | 7.25% |  | 10
Consumer | 13 |  |  | 123 |  | 11.77% |  | 55 |  |  | 139 |  | 11.48% |  | 62
The following table presents troubled-debt restructurings for which there was a p ayment default during the twelve-month periods ended September 30, 2015 and 2014:
| Twelve-Month Period Ended September 30,
| 2015 |  | 2014
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
| (Dollars in thousands)
Mortgage | 49 |  | $ | 5,396 |  | 15 |  | $ | 1,739
Consumer | 8 |  | $ | 177 |  | 2 |  | $ | 5
Auto | 1 |  | $ | 64 |  | - |  | $ | -
Financing Receivable Credit Quality Indicators [Table Text Block] | As of September 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the ris k category of gross originated and other loans and BBVAPR acquired loans accounted for under ASC 310-20 subject to risk rating by class of loans is as follows:
| September 30, 2015
| 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 | $ | 224,110 |  | $ | 206,678 |  | $ | 15,227 |  | $ | - |  | $ | - |  | $ | 2,205
Institutional |  | 34,342 |  |  | 26,101 |  |  | 8,023 |  |  | - |  |  | - |  |  | 218
Middle market |  | 207,255 |  |  | 182,617 |  |  | 9,368 |  |  | - |  |  | - |  |  | 15,270
Retail |  | 211,761 |  |  | 191,523 |  |  | 4,633 |  |  | 4,821 |  |  | - |  |  | 10,784
Floor plan |  | 2,925 |  |  | 2,925 |  |  | - |  |  | - |  |  | - |  |  | -
Real estate |  | 16,766 |  |  | 16,766 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 697,159 |  |  | 626,610 |  |  | 37,251 |  |  | 4,821 |  |  | - |  |  | 28,477
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 71,714 |  |  | 66,054 |  |  | - |  |  | - |  |  | - |  |  | 5,660
Institutional |  | 383,786 |  |  | 189,882 |  |  | - |  |  | - |  |  | - |  |  | 193,904
Middle market |  | 107,843 |  |  | 102,757 |  |  | 2,395 |  |  | - |  |  | - |  |  | 2,691
Retail |  | 92,668 |  |  | 87,839 |  |  | 673 |  |  | 2,110 |  |  | - |  |  | 2,046
Floor plan |  | 36,183 |  |  | 33,453 |  |  | 2,169 |  |  | 225 |  |  | - |  |  | 336
|  | 692,194 |  |  | 479,985 |  |  | 5,237 |  |  | 2,335 |  |  | - |  |  | 204,637
Total |  | 1,389,353 |  |  | 1,106,595 |  |  | 42,488 |  |  | 7,156 |  |  | - |  |  | 233,114
Commercial - acquired loans (under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 326 |  |  | - |  |  | - |  |  | 326 |  |  | - |  |  | -
Floor plan |  | 2,948 |  |  | 1,641 |  |  | 829 |  |  | - |  |  | - |  |  | 478
|  | 3,274 |  |  | 1,641 |  |  | 829 |  |  | 326 |  |  | - |  |  | 478
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 3,788 |  |  | 3,777 |  |  | - |  |  | 11 |  |  | - |  |  | -
Floor plan |  | 674 |  |  | 666 |  |  | - |  |  | 1 |  |  | - |  |  | 7
|  | 4,462 |  |  | 4,443 |  |  | - |  |  | 12 |  |  | - |  |  | 7
Total |  | 7,736 |  |  | 6,084 |  |  | 829 |  |  | 338 |  |  | - |  |  | 485
Total | $ | 1,397,089 |  | $ | 1,112,679 |  | $ | 43,317 |  | $ | 7,494 |  | $ | - |  | $ | 233,599
| 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 |  |  | 692 |  |  | 958 |  |  | - |  |  | - |  |  | -
Real estate |  | 12,628 |  |  | 12,628 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 523,643 |  |  | 457,260 |  |  | 32,364 |  |  | 2,637 |  |  | - |  |  | 31,382
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 |  |  | 38,413 |  |  | 1,247 |  |  | 126 |  |  | - |  |  | 1,117
|  | 766,089 |  |  | 554,179 |  |  | 4,321 |  |  | 2,701 |  |  | - |  |  | 204,888
Total |  | 1,289,732 |  |  | 1,011,439 |  |  | 36,685 |  |  | 5,338 |  |  | - |  |  | 236,270
Commercial - acquired loans (under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 351 |  |  | - |  |  | - |  |  | 351 |  |  | - |  |  | -
Floor plan |  | 4,131 |  |  | 3,724 |  |  | - |  |  | - |  |  | - |  |  | 407
|  | 4,482 |  |  | 3,724 |  |  | - |  |  | 351 |  |  | - |  |  | 407
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 4,121 |  |  | 4,080 |  |  | 8 |  |  | 33 |  |  | - |  |  | -
Floor plan |  | 4,072 |  |  | 3,807 |  |  | - |  |  | - |  |  | - |  |  | 265
|  | 8,193 |  |  | 7,887 |  |  | 8 |  |  | 33 |  |  | - |  |  | 265
Total |  | 12,675 |  |  | 11,611 |  |  | 8 |  |  | 384 |  |  | - |  |  | 672
Total | $ | 1,302,407 |  | $ | 1,023,050 |  | $ | 36,693 |  | $ | 5,722 |  | $ | - |  | $ | 236,942
For residential and consumer loan classes, the Company evaluates credit quality based on the delinquency status of the loan. As of September 30, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of gross origina ted and other loans and acquired BBVAPR loans accounted for under ASC 310-20 not subject to risk rating by class of loans is as follows:
| September 30, 2015
| 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 | $ | 59,581 |  | $ | 52,550 |  | $ | 82 |  | $ | 2,267 |  | $ | 999 |  | $ | 1,083 |  | $ | 1,818 |  | $ | 782
Years 2003 and 2004 |  | 101,863 |  |  | 89,211 |  |  | 364 |  |  | 4,723 |  |  | 1,763 |  |  | 1,064 |  |  | 2,999 |  |  | 1,739
Year 2005 |  | 55,600 |  |  | 48,517 |  |  | - |  |  | 2,525 |  |  | 287 |  |  | 1,192 |  |  | 2,208 |  |  | 871
Year 2006 |  | 80,427 |  |  | 65,839 |  |  | 97 |  |  | 2,854 |  |  | 1,070 |  |  | 1,708 |  |  | 5,354 |  |  | 3,505
Years 2007, 2008 and 2009 |  | 94,318 |  |  | 72,491 |  |  | 281 |  |  | 2,151 |  |  | 1,447 |  |  | 3,926 |  |  | 9,984 |  |  | 4,038
Years 2010, 2011, 2012 2013 |  | 154,531 |  |  | 139,927 |  |  | 538 |  |  | 1,248 |  |  | 139 |  |  | 4,007 |  |  | 4,338 |  |  | 4,334
Years 2014 and 2015 |  | 76,392 |  |  | 76,111 |  |  | - |  |  | 96 |  |  | - |  |  | 185 |  |  | - |  |  | -
|  | 622,712 |  |  | 544,646 |  |  | 1,362 |  |  | 15,864 |  |  | 5,705 |  |  | 13,165 |  |  | 26,701 |  |  | 15,269
Non-traditional |  | 32,249 |  |  | 26,863 |  |  | - |  |  | 1,918 |  |  | 375 |  |  | 1,362 |  |  | 1,731 |  |  | -
Loss mitigation program |  | 100,167 |  |  | 16,289 |  |  | 2,479 |  |  | 1,530 |  |  | 1,194 |  |  | 1,723 |  |  | 1,691 |  |  | 75,261
|  | 755,128 |  |  | 587,798 |  |  | 3,841 |  |  | 19,312 |  |  | 7,274 |  |  | 16,250 |  |  | 30,123 |  |  | 90,530
Home equity secured personal loans |  | 515 |  |  | 451 |  |  | 64 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
GNMA's buy-back option program |  | 6,993 |  |  | - |  |  | - |  |  | - |  |  | 973 |  |  | 3,840 |  |  | 2,180 |  |  | -
|  | 762,636 |  |  | 588,249 |  |  | 3,905 |  |  | 19,312 |  |  | 8,247 |  |  | 20,090 |  |  | 32,303 |  |  | 90,530
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 21,148 |  |  | 20,186 |  |  | 436 |  |  | 182 |  |  | 123 |  |  | 221 |  |  | - |  |  | -
Overdrafts |  | 275 |  |  | 260 |  |  | 15 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Unsecured personal lines of credit |  | 2,184 |  |  | 2,087 |  |  | 31 |  |  | 27 |  |  | 39 |  |  | - |  |  | - |  |  | -
Unsecured personal loans |  | 187,826 |  |  | 184,441 |  |  | 1,737 |  |  | 786 |  |  | 835 |  |  | 27 |  |  | - |  |  | -
Cash collateral personal loans |  | 16,323 |  |  | 16,047 |  |  | 171 |  |  | 103 |  |  | - |  |  | 2 |  |  | - |  |  | -
|  | 227,756 |  |  | 223,021 |  |  | 2,390 |  |  | 1,098 |  |  | 997 |  |  | 250 |  |  | - |  |  | -
Auto and Leasing |  | 647,544 |  |  | 566,993 |  |  | 52,350 |  |  | 19,215 |  |  | 6,668 |  |  | 2,318 |  |  | - |  |  | -
|  | 1,637,936 |  |  | 1,378,263 |  |  | 58,645 |  |  | 39,625 |  |  | 15,912 |  |  | 22,658 |  |  | 32,303 |  |  | 90,530
Acquired loans (accounted for under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 36,526 |  |  | 34,511 |  |  | 825 |  |  | 422 |  |  | 351 |  |  | 417 |  |  | - |  |  | -
Personal loans |  | 3,248 |  |  | 3,102 |  |  | 89 |  |  | 14 |  |  | 11 |  |  | 32 |  |  | - |  |  | -
|  | 39,774 |  |  | 37,613 |  |  | 914 |  |  | 436 |  |  | 362 |  |  | 449 |  |  | - |  |  | -
Auto |  | 124,120 |  |  | 111,149 |  |  | 9,010 |  |  | 2,921 |  |  | 752 |  |  | 288 |  |  | - |  |  | -
|  | 163,894 |  |  | 148,762 |  |  | 9,924 |  |  | 3,357 |  |  | 1,114 |  |  | 737 |  |  | - |  |  | -
Total | $ | 1,801,830 |  | $ | 1,527,025 |  | $ | 68,569 |  | $ | 42,982 |  | $ | 17,026 |  | $ | 23,395 |  | $ | 32,303 |  | $ | 90,530
| 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 |  | 162,316 |  |  | 148,832 |  |  | 2,698 |  |  | 2,490 |  |  | 938 |  |  | 1,397 |  |  | 1,296 |  |  | 4,665
Year 2014 |  | 42,108 |  |  | 41,818 |  |  | 290 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
|  | 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 |  |  | 144,696 |  |  | 1,822 |  |  | 743 |  |  | 623 |  |  | 55 |  |  | - |  |  | -
Cash collateral personal loans |  | 17,243 |  |  | 16,920 |  |  | 275 |  |  | 39 |  |  | 9 |  |  | - |  |  | - |  |  | -
|  | 186,760 |  |  | 182,071 |  |  | 2,579 |  |  | 946 |  |  | 841 |  |  | 320 |  |  | 3 |  |  | -
Auto and Leasing |  | 575,582 |  |  | 503,588 |  |  | 47,658 |  |  | 16,916 |  |  | 5,196 |  |  | 2,224 |  |  | - |  |  | -
|  | 1,554,093 |  |  | 1,249,631 |  |  | 83,368 |  |  | 36,485 |  |  | 19,340 |  |  | 38,710 |  |  | 32,374 |  |  | 94,185
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 |  | $ | 1,460,335 |  | $ | 95,898 |  | $ | 40,639 |  | $ | 20,735 |  | $ | 40,053 |  | $ | 32,374 |  | $ | 94,185

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