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Loans (Tables)

12 Months Ended

Dec. 31, 2018

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

Schedule Of Accounts Notes Loans And Financing Receivable Text Block

	December 31,
	2018			2017
	(In thousands)
Originated and other loans and leases held for investment:
Mortgage	$	668,809		$	683,607
Commercial		1,597,588			1,307,261
Consumer		348,980			330,039
Auto and leasing		1,129,695			883,985
		3,745,072			3,204,892
Allowance for loan and lease losses on originated and other loans and leases		(95,188)			(92,718)
		3,649,884			3,112,174
Deferred loan costs, net		7,740			6,695
Total originated and other loans held for investment, net		3,657,624			3,118,869
Acquired loans:
Acquired BBVAPR loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Commercial		2,546			4,380
Consumer		23,988			28,915
Auto		4,435			21,969
		30,969			55,264
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-20		(2,062)			(3,862)
		28,907			51,402
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Mortgage		492,890			532,053
Commercial		182,319			243,092
Consumer		-			1,431
Auto		14,403			43,696
		689,612			820,272
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-30		(42,010)			(45,755)
		647,602			774,517
Total acquired BBVAPR loans, net		676,509			825,919
Acquired Eurobank loans:
Loans secured by 1-4 family residential properties		63,392			69,538
Commercial		47,826			53,793
Consumer		846			1,112
Total acquired Eurobank loans		112,064			124,443
Allowance for loan and lease losses on Eurobank loans		(24,971)			(25,174)
Total acquired Eurobank loans, net		87,093			99,269
Total acquired loans, net		763,602			925,188
Total held for investment, net		4,421,226			4,044,057
Mortgage loans held-for-sale		10,368			12,272
Total loans, net	$	4,431,594		$	4,056,329

Past Due Financing Receivables [Table Text Block]

	December 31, 2018
																			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	$	77		$	1,516		$	2,707		$	4,300		$	36,344		$	40,644		$	168
Years 2003 and 2004		91			2,412			5,632			8,135			67,707			75,842			-
Year 2005		-			552			3,531			4,083			35,004			39,087			-
Year 2006		255			1,693			5,074			7,022			49,213			56,235			-
Years 2007, 2008 and 2009		255			1,059			6,677			7,991			52,781			60,772			56
Years 2010, 2011, 2012, 2013		253			328			8,697			9,278			104,429			113,707			270
Years 2014, 2015, 2016, 2017 and 2018		-			483			1,462			1,945			139,500			141,445			-
		931			8,043			33,780			42,754			484,978			527,732			494
Non-traditional		-			116			3,085			3,201			11,072			14,273			-
Loss mitigation program		10,793			6,258			19,389			36,440			70,393			106,833			2,223
		11,724			14,417			56,254			82,395			566,443			648,838			2,717
Home equity secured personal loans		9			-			-			9			241			250			-
GNMA's buy-back option program		-			-			19,721			19,721			-			19,721			-
		11,733			14,417			75,975			102,125			566,684			668,809			2,717
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			289,052			289,052			-
Institutional		-			-			1,200			1,200			68,413			69,613			-
Middle market		-			1,430			5,202			6,632			200,831			207,463			-
Retail		1,641			463			8,570			10,674			213,440			224,114			-
Floor plan		-			-			-			-			4,184			4,184			-
Real estate		-			-			-			-			19,009			19,009			-
		1,641			1,893			14,972			18,506			794,929			813,435			-
Other commercial and industrial:
Corporate		-			-			-			-			179,885			179,885			-
Institutional		-			-			-			-			156,410			156,410			-
Middle market		917			-			6,020			6,937			81,030			87,967			-
Retail		571			546			817			1,934			308,278			310,212			-
Floor plan		-			-			46			46			49,633			49,679			-
		1,488			546			6,883			8,917			775,236			784,153			-
		3,129			2,439			21,855			27,423			1,570,165			1,597,588			-

	December 31, 2018
																			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	$	725		$	363		$	411		$	1,499		$	26,535		$	28,034		$	-
Overdrafts		10			-			-			10			204			214			-
Personal lines of credit		57			11			22			90			1,827			1,917			-
Personal loans		3,966			1,740			1,262			6,968			296,151			303,119			-
Cash collateral personal loans		74			339			3			416			15,280			15,696			-
		4,832			2,453			1,698			8,983			339,997			348,980			-
Auto and leasing		58,094			27,945			13,494			99,533			1,030,162			1,129,695			-
Total	$	77,788		$	47,254		$	113,022		$	238,064		$	3,507,008		$	3,745,072		$	2,717

	December 31, 2017
																			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	$	86		$	938		$	3,537		$	4,561		$	41,579		$	46,140		$	467
Years 2003 and 2004		92			1,077			6,304			7,473			75,758			83,231			-
Year 2005		101			383			3,348			3,832			40,669			44,501			68
Year 2006		242			604			5,971			6,817			55,966			62,783			66
Years 2007, 2008 and 2009		358			1,258			8,561			10,177			58,505			68,682			577
Years 2010, 2011, 2012, 2013		233			978			7,393			8,604			116,674			125,278			1,202
Years 2014, 2015, 2016 and 2017		-			75			1,649			1,724			121,194			122,918			-
		1,112			5,313			36,763			43,188			510,345			553,533			2,380
Non-traditional		-			326			3,543			3,869			14,401			18,270			-
Loss mitigation program		7,233			3,331			18,923			29,487			73,793			103,280			4,981
		8,345			8,970			59,229			76,544			598,539			675,083			7,361
Home equity secured personal loans		-			-			-			-			256			256			-
GNMA's buy-back option program		-			-			8,268			8,268			-			8,268			-
		8,345			8,970			67,497			84,812			598,795			683,607			7,361
Commercial
Commercial secured by real estate:
Corporate		-			-			-			-			235,426			235,426			-
Institutional		-			-			118			118			44,648			44,766			-
Middle market		765			-			3,527			4,292			225,649			229,941			-
Retail		352			936			9,695			10,983			235,084			246,067			-
Floor plan		-			-			-			-			3,998			3,998			-
Real estate		-			-			-			-			17,556			17,556			-
		1,117			936			13,340			15,393			762,361			777,754			-
Other commercial and industrial:
Corporate		-			-			-			-			170,015			170,015			-
Institutional		-			-			-			-			125,591			125,591			-
Middle market		-			-			881			881			84,482			85,363			-
Retail		455			103			1,616			2,174			111,078			113,252			-
Floor plan		9			-			51			60			35,226			35,286			-
		464			103			2,548			3,115			526,392			529,507			-
		1,581			1,039			15,888			18,508			1,288,753			1,307,261			-

	December 31, 2017
																			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	$	246		$	130		$	1,227		$	1,603		$	26,827		$	28,430		$	-
Overdrafts		20			6			31			57			157			214			-
Personal lines of credit		259			54			87			400			1,820			2,220			-
Personal loans		3,778			1,494			223			5,495			278,982			284,477			-
Cash collateral personal loans		103			59			312			474			14,224			14,698			-
		4,406			1,743			1,880			8,029			322,010			330,039			-
Auto and leasing		21,760			10,399			4,232			36,391			847,594			883,985			-
Total	$	36,092		$	22,151		$	89,497		$	147,740		$	3,057,152		$	3,204,892		$	7,361

	December 31, 2018
																			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	$	-		$	-		$	54		$	54		$	-		$	54		$	-
Floor plan		-			-			888			888			94			982			-
		-			-			942			942			94			1,036			-
Other commercial and industrial
Retail		30			11			8			49			1,461			1,510			-
		30			11			8			49			1,461			1,510			-
		30			11			950			991			1,555			2,546			-
Consumer
Credit cards		499			147			380			1,026			20,796			21,822			-
Personal loans		64			32			18			114			2,052			2,166			-
		563			179			398			1,140			22,848			23,988			-
Auto		405			241			200			846			3,589			4,435			-
Total	$	998		$	431		$	1,548		$	2,977		$	27,992		$	30,969		$	-

	December 31, 2017
																			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	$	-		$	-		$	119		$	119		$	-		$	119		$	-
Floor plan		-			-			928			928			393			1,321			-
		-			-			1,047			1,047			393			1,440			-
Other commercial and industrial
Retail		36			-			221			257			2,681			2,938			-
Floor plan		-			-			2			2			-			2			-
		36			-			223			259			2,681			2,940			-
		36			-			1,270			1,306			3,074			4,380			-
Consumer
Credit cards		208			127			1,310			1,645			24,822			26,467			-
Personal loans		139			61			45			245			2,203			2,448			-
		347			188			1,355			1,890			27,025			28,915			-
Auto		602			248			179			1,029			20,940			21,969			-
Total	$	985		$	436		$	2,804		$	4,225		$	51,039		$	55,264		$	-

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

	December 31,
		2018			2017
		(In thousands)
Contractual required payments receivable:	$	1,304,545		$	1,481,616
Less: Non-accretable discount		345,423			352,431
Cash expected to be collected		959,122			1,129,185
Less: Accretable yield		269,510			308,913
Carrying amount, gross		689,612			820,272
Less: allowance for loan and lease losses		42,010			45,755
Carrying amount, net	$	647,602		$	774,517

Accretable Yield for Acquired Loans [Table Text Block]

	Year Ended December 31, 2018
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	258,498		$	46,764		$	2,766		$	885		$	308,913
Accretion		(27,248)			(14,160)			(2,360)			(871)			(44,639)
Change in expected cash flows		-			7,895			890			484			9,269
Transfer (to) non-accretable discount		949			(3,991)			(1,053)			62			(4,033)
Balance at end of year	$	232,199		$	36,508		$	243		$	560		$	269,510
Non-Accretable Discount Activity:
Balance at beginning of year	$	299,501		$	10,596		$	23,050		$	19,284		$	352,431
Change in actual and expected losses		(6,665)			(4,241)			142			(277)			(11,041)
Transfer from accretable yield		(949)			3,991			1,053			(62)			4,033
Balance at end of year	$	291,887		$	10,346		$	24,245		$	18,945		$	345,423

	Year Ended December 31, 2017
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	292,115		$	50,366		$	8,538		$	3,682		$	354,701
Accretion		(30,205)			(20,572)			(6,339)			(1,841)			(58,957)
Change in actual and expected losses		2			22,250			170			143			22,565
Transfer (to) from non-accretable discount		(3,414)			(5,280)			397			(1,099)			(9,396)
Balance at end of year	$	258,498		$	46,764		$	2,766		$	885		$	308,913
Non-Accretable Discount Activity:
Balance at beginning of year	$	305,615		$	16,965		$	22,407		$	18,120		$	363,107
Change in actual and expected losses		(9,528)			(11,649)			1,040			65			(20,072)
Transfer from (to) accretable yield		3,414			5,280			(397)			1,099			9,396
Balance at end of year	$	299,501		$	10,596		$	23,050		$	19,284		$	352,431

	Year Ended December 31, 2016
	Mortgage			Commercial			Auto			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	268,794		$	65,026		$	21,578		$	6,290		$	361,688
Accretion		(32,834)			(26,254)			(13,567)			(2,982)			(75,637)
Change in actual and expected losses		(1)			14,259			1,251			(242)			15,267
Transfer (to) from non-accretable discount		56,156			(2,665)			(724)			616			53,383
Balance at end of year	$	292,115		$	50,366		$	8,538		$	3,682		$	354,701
Non-Accretable Discount Activity:
Balance at beginning of year	$	374,772		$	18,545		$	22,039		$	18,834		$	434,190
Change in actual and expected losses		(13,001)			(4,245)			(356)			(98)			(17,700)
Transfer from (to) accretable yield		(56,156)			2,665			724			(616)			(53,383)
Balance at end of year	$	305,615		$	16,965		$	22,407		$	18,120		$	363,107

Eurobank loans carrying amount [Table Text Block]

	December 31
	2018			2017
	(In thousands)
Contractual required payments receivable:	$	156,722		$	179,960
Less: Non-accretable discount		2,959			5,845
Cash expected to be collected		153,763			174,115
Less: Accretable yield		41,699			49,672
Carrying amount, gross		112,064			124,443
Less: Allowance for loan and lease losses		24,971			25,174
Carrying amount, net	$	87,093		$	99,269

Accretable Yield for Acquired Eurobank Loans [Table Text Block]

	Year Ended December 31, 2018
	Loans Secured by 1-4 Family Residential Properties			Commercial			Construction & Development Secured by 1-4 Family Residential Properties			Leasing			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	41,474		$	6,751		$	1,447		$	-		$	-		$	49,672
Accretion		(5,964)			(6,430)			-			(52)			(389)			(12,835)
Change in expected cash flows		(1,129)			5,023			-			(329)			700			4,265
Transfer from (to) non-accretable discount		3,353			(2,034)			(792)			381			(311)			597
Balance at end of year	$	37,734		$	3,310		$	655		$	-		$	-		$	41,699
Non-Accretable Discount Activity:
Balance at beginning of year	$	4,576		$	276		$	758		$	-		$	235		$	5,845
Change in actual and expected losses		53			(2,310)			-			381			(413)			(2,289)
Transfer from (to) accretable yield		(3,353)			2,034			792			(381)			311			(597)
Balance at end of year	$	1,276		$	-		$	1,550		$	-		$	133		$	2,959

	Year Ended December 31, 2017
	Loans Secured by 1-4 Family Residential Properties			Commercial			Construction & Development Secured by 1-4 Family Residential Properties			Leasing			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of year	$	45,839		$	16,475		$	2,194			-		$	-		$	64,508
Accretion		(7,180)			(12,985)			(82)			(30)			(283)			(20,560)
Change in actual and expected losses		121			1,881			121			(217)			759			2,665
Transfer from (to) non-accretable discount		2,694			1,380			(786)			247			(476)			3,059
Balance at end of year	$	41,474		$	6,751		$	1,447		$	-		$	-		$	49,672
Non-Accretable Discount Activity:
Balance at beginning of year	$	8,441		$	3,880		$	11		$	-		$	8		$	12,340
Change in actual and expected losses		(1,171)			(2,224)			(39)			247			(249)			(3,436)
Transfer (to) from accretable yield		(2,694)			(1,380)			786			(247)			476			(3,059)
Balance at end of year	$	4,576		$	276		$	758		$	-		$	235		$	5,845

	Year Ended December 31, 2016
	Loans Secured by 1-4 Family Residential Properties			Commercial			Construction & Development Secured by 1-4 Family Residential Properties			Leasing			Consumer			Total
	(In thousands)
Accretable Yield Activity:
Balance at beginning of period	$	51,954		$	26,970		$	2,255		$	-		$	3,212		$	84,391
Accretion		(8,942)			(19,593)			(90)			(60)			(1,813)			(30,498)
Change in expected cash flows		2,134			13,722			1			(15)			(1,386)			14,456
Transfer from (to) non-accretable discount		693			(4,624)			28			75			(13)			(3,841)
Balance at end of period	$	45,839		$	16,475		$	2,194		$	-		$	-		$	64,508
Non-Accretable Discount Activity:
Balance at beginning of period	$	12,869		$	-		$	-		$	-		$	8,287		$	21,156
Change in actual and expected cash flows		(3,735)			(744)			39			75			(8,292)			(12,657)
Transfer (to) from accretable yield		(693)			4,624			(28)			(75)			13			3,841
Balance at end of period	$	8,441		$	3,880		$	11		$	-		$	8		$	12,340

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

	December 31,
	2018			2017
	(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year):
Up to the year 2002	$	2,538		$	3,070
Years 2003 and 2004		5,818			6,380
Year 2005		3,600			3,280
Year 2006		5,140			5,905
Years 2007, 2008 and 2009		6,697			7,984
Years 2010, 2011, 2012, 2013		8,427			6,259
Years 2014, 2015, 2016, 2017 and 2018		1,462			1,649
		33,682			34,527
Non-traditional		3,085			3,543
Loss mitigation program		22,107			16,783
		58,874			54,853
Commercial
Commercial secured by real estate
Institutional		9,911			118
Middle market		7,266			11,394
Retail		16,123			14,438
		33,300			25,950
Other commercial and industrial
Middle market		6,481			6,323
Retail		2,629			2,929
Floor plan		46			51
		9,156			9,303
		42,456			35,253
Consumer
Credit cards		411			1,227
Overdrafts		-			31
Personal lines of credit		31			102
Personal loans		2,909			900
Cash collateral personal loans		3			312
		3,354			2,572
Auto and leasing		13,494			4,232
Total non-accrual originated loans	$	118,178		$	96,910

	December 31,
	2018			2017
	(In thousands)
Acquired BBVAPR loans accounted for under ASC 310-20
Commercial
Commercial secured by real estate
Retail	$	54		$	119
Floor plan		888			928
		942			1,047
Other commercial and industrial
Retail		8			221
Floor plan		-			2
		8			223
		950			1,270
Consumer
Credit cards		380			1,310
Personal loans		18			45
		398			1,355
Auto		200			179
Total non-accrual acquired BBVAPR loans accounted for under ASC 310-20		1,548			2,804
Total non-accrual loans	$	119,726		$	99,714

Impaired Financing Receivables [Table Text Block]

	December 31, 2018
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	54,636		$	49,092		$	8,434		17%
Residential impaired and troubled-debt restructuring		95,659			84,174			10,186		12%
Impaired loans with no specific allowance:
Commercial		38,241			32,137			N/A		0%
Total investment in impaired loans	$	188,536		$	165,403		$	18,620		11%

	December 31, 2017
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance:
Commercial	$	57,922		$	52,585		$	10,573		20%
Residential impaired and troubled-debt restructuring		94,971			85,403			9,121		11%
Impaired loans with no specific allowance
Commercial		22,022			18,953			N/A		0%
Total investment in impaired loans	$	174,915		$	156,941		$	19,694		13%

	December 31, 2018
	Unpaid			Recorded			Related
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance
Commercial	$	926		$	747		$	14		2%
Impaired loans with no specific allowance
Commercial	$	-		$	-			N/A		0%
Total investment in impaired loans	$	926		$	747		$	14		2%
	December 31, 2017
	Unpaid			Recorded			Specific
	Principal			Investment			Allowance			Coverage
	(In thousands)
Impaired loans with specific allowance
Commercial	$	926		$	747		$	20		3%
Impaired loans with no specific allowance
Commercial	$	-		$	-			N/A		0%
Total investment in impaired loans	$	926		$	747		$	20		3%

	December 31, 2018
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance:
Mortgage	$	498,537		$	492,890		$	15,225		3%
Commercial		188,413			180,790			20,641		11%
Auto		14,551			14,403			6,144		43%
Total investment in impaired loan pools	$	701,501		$	688,083		$	42,010		6%

	December 31 , 2017
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance:
Mortgage	$	547,064		$	532,052		$	14,085		3%
Commercial		250,451			241,124			23,691		10%
Consumer		2,468			1,431			18		1%
Auto		43,440			43,696			7,961		18%
Total investment in impaired loan pools	$	843,423		$	818,303		$	45,755		6%

	December 31, 2018
										Coverage
	Unpaid			Recorded						to Recorded
	Principal			Investment			Allowance			Investment
	(In thousands)
Impaired loan pools with specific allowance:
Loans secured by 1-4 family residential properties	$	70,153		$	63,406		$	15,382		24%
Commercial		47,342			47,820			9,585		20%
Consumer		15			4			4		100%
Total investment in impaired loan pools	$	117,510		$	111,230		$	24,971		22%

	December 31, 2017
										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	$	81,132		$	69,538		$	15,187		22%
Commercial		58,099			53,793			9,983		19%
Consumer		15			4			4		100%
Total investment in impaired loan pools	$	139,246		$	123,335		$	25,174		20%

Impaired Financing Receivables Loans, excluding ASC 310-30 [Table Text Block]

	Year Ended December 31,
	2018							2017						2016
	Interest Income Recognized			Average Recorded Investment				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	$	1,624		$	44,727		$	1,538		$	25,797		$	452		$	118,980
Residential troubled-debt restructuring		2,556			84,494			3,301			87,414			3,190			91,139
Impaired loans with no specific allowance
Commercial		1,091			26,199			875			36,666			1,941			40,443
Total interest income from impaired loans	$	5,271		$	155,420		$	5,714		$	149,877		$	5,583		$	250,562
Acquired loans accounted for under ASC 310-20:
Impaired loans with specific allowance
Commercial	$	-		$	747		$	-		$	794		$	-		$	319
Impaired loans with no specific allowance
Commercial		-			-			-			-			-			608
Total interest income from impaired loans	$	5,271		$	156,167		$	5,714		$	150,671		$	5,583		$	251,489

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	Year Ended December 31, 2018
	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	143		$	19,029		5.09%		342		$	18,237		4.41%		314
Commercial	23			26,019		5.75%		118			25,973		5.64%		136
Consumer	174			2,313		13.24%		51			2,332		9.86%		61
Auto	2			40		10.42%		37			40		10.28%		32
	Year Ended December 31, 2017
	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	85		$	10,441		6.23%		390		$	10,343		4.40%		384
Commercial	24			13,828		6.05%		57			13,829		5.73%		62
Consumer	107			1,391		11.68%		62			1,430		10.85%		69
Auto	9			134		7.24%		66			135		11.75%		37
	Year Ended December 31, 2016
	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	90		$	11,684		6.05%		351		$	11,625		4.77%		439
Commercial	20			9,833		5.73%		64			10,151		5.93%		116
Consumer	75			817		13.60%		73			902		11.23%		66

	Year Ended December 31,
	2018						2017					2016
	Number of Contracts		Recorded Investment				Number of Contracts		Recorded Investment			Number of Contracts		Recorded Investment
	(Dollars in thousands)
Mortgage	23		$	3,262			34		$	3,129		19		$	2,241
Commercial	4		$	2,141			5		$	452		2		$	157
Consumer	28		$	341			20		$	249		11		$	126

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2018
	Risk Ratings
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate	$	289,052		$	246,711		$	26,544		$	15,797		$	-		$	-
Institutional		69,613			59,509			-			10,104			-			-
Middle market		207,463			151,638			32,638			23,187			-			-
Retail		224,114			198,402			3,996			21,716			-			-
Floor plan		4,184			2,890			-			1,294			-			-
Real estate		19,009			19,009			-			-			-			-
		813,435			678,159			63,178			72,098			-			-
Other commercial and industrial:
Corporate		179,885			154,629			25,256			-			-			-
Institutional		156,410			156,410			-			-			-			-
Middle market		87,967			63,876			13,737			10,354			-			-
Retail		310,212			307,160			318			2,734			-			-
Floor plan		49,679			47,092			2,541			46			-			-
		784,153			729,167			41,852			13,134			-			-
Total		1,597,588			1,407,326			105,030			85,232			-			-
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Retail		54			-			-			54			-			-
Floor plan		982			94			-			888			-			-
		1,036			94			-			942			-			-
Other commercial and industrial:
Retail		1,510			1,510			-			-			-			-
		1,510			1,510			-			-			-			-
Total		2,546			1,604			-			942			-			-

	December 31, 2018
	Risk Ratings
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Retail - originated and other loans held for investment
Mortgage:
Traditional		527,732			493,952			-			33,780			-			-
Non-traditional		14,273			11,188			-			3,085			-			-
Loss mitigation program		106,833			87,444			-			19,389			-			-
Home equity secured personal loans		250			250			-			-			-			-
GNMA's buy-back option program		19,721			-			-			19,721			-			-
		668,809			592,834			-			75,975			-			-
Consumer:
Credit cards		28,034			27,623			-			411			-			-
Overdrafts		214			204			-			10			-			-
Unsecured personal lines of credit		1,917			1,895			-			22			-			-
Unsecured personal loans		303,119			301,857			-			1,262			-			-
Cash collateral personal loans		15,696			15,693			-			3			-			-
		348,980			347,272			-			1,708			-			-
Auto and Leasing		1,129,695			1,116,201			-			13,494			-			-
Total		2,147,484			2,056,307			-			91,177			-			-
Retail - acquired loans (accounted for under ASC 310-20)
Consumer:
Credit cards		21,822			21,442			-			380			-			-
Personal loans		2,166			2,148			-			18			-			-
		23,988			23,590			-			398			-			-
Auto		4,435			4,235			-			200			-			-
		28,423			27,825			-			598			-			-
	$	3,776,041		$	3,493,062		$	105,030		$	177,949		$	-		$	-

	December 31, 2017
	Risk Ratings
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate	$	235,426		$	200,395		$	33,094		$	1,937		$	-		$	-
Institutional		44,766			33,856			-			10,910			-			-
Middle market		229,941			196,058			4,749			29,134			-			-
Retail		246,067			215,121			8,058			22,888			-			-
Floor plan		3,998			2,678			1,320			-			-			-
Real estate		17,556			17,556			-			-			-			-
		777,754			665,664			47,221			64,869			-			-
Other commercial and industrial:
Corporate		170,015			157,683			12,332			-			-			-
Institutional		125,591			125,591			-			-			-			-
Middle market		85,363			71,222			6,386			7,755			-			-
Retail		113,252			109,477			562			3,213			-			-
Floor plan		35,286			32,165			3,070			51			-			-
		529,507			496,138			22,350			11,019			-			-
Total		1,307,261			1,161,802			69,571			75,888			-			-
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Retail		119			-			-			119			-			-
Floor plan		1,321			393			-			928			-			-
		1,440			393			-			1,047			-			-
Other commercial and industrial:
Retail		2,938			2,933			-			5			-			-
Floor plan		2			-			-			2			-			-
		2,940			2,933			-			7			-			-
Total		4,380			3,326			-			1,054			-			-

	December 31, 2017
	Risk Ratings
	Balance						Special
	Outstanding			Pass			Mention			Substandard			Doubtful			Loss
	(In thousands)
Retail - originated and other loans held for investment
Mortgage:
Traditional		553,533			516,770			-			36,763			-			-
Non-traditional		18,270			14,727			-			3,543			-			-
Loss mitigation program		103,280			84,357			-			18,923			-			-
Home equity secured personal loans		256			256			-			-			-			-
GNMA's buy-back option program		8,268			-			-			8,268			-			-
		683,607			616,110			-			67,497			-			-
Consumer:
Credit cards		28,430			27,203			-			1,227			-			-
Overdrafts		214			158			-			56			-			-
Unsecured personal lines of credit		2,220			2,133			-			87			-			-
Unsecured personal loans		284,477			284,255			-			222			-			-
Cash collateral personal loans		14,698			14,386			-			312			-			-
		330,039			328,135			-			1,904			-			-
Auto and Leasing		883,985			879,753			-			4,232			-			-
Total		1,897,631			1,823,998			-			73,633			-			-
Retail - acquired loans (under ASC 310-20)
Consumer:
Credit cards		26,467			25,156			-			1,311			-			-
Personal loans		2,448			2,402			-			46			-			-
		28,915			27,558			-			1,357			-			-
Auto		21,969			21,790			-			179			-			-
Total		50,884			49,348			-			1,536			-			-
	$	3,260,156		$	3,038,474		$	69,571		$	152,111		$	-		$	-

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