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Loans (Tables) | 3 Months Ended
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Mar. 31, 2019
Loans And Leases Receivable Net Reported Amount Covered And Not Covered [Abstract] |
Schedule Of Accounts Notes Loans And Financing Receivable Text Block |
| March 31, |  | December 31,
| 2019 |  | 2018
| (In thousands)
Originated and other loans and leases held for investment: |  |  |  |  |
Mortgage | $ | 651,423 |  | $ | 668,809
Commercial |  | 1,569,551 |  |  | 1,597,588
Consumer |  | 350,543 |  |  | 348,980
Auto and leasing |  | 1,167,482 |  |  | 1,129,695
|  | 3,738,999 |  |  | 3,745,072
Allowance for loan and lease losses on originated and other loans and leases |  | (94,035) |  |  | (95,188)
|  | 3,644,964 |  |  | 3,649,884
Deferred loan costs, net |  | 8,254 |  |  | 7,740
Total originated and other loans held for investment, net |  | 3,653,218 |  |  | 3,657,624
Acquired loans: |  |  |  |  |
Acquired BBVAPR loans: |  |  |  |  |
Accounted for under ASC 310-20 (Loans with revolving feature and/or |  |  |  |  |
acquired at a premium) |  |  |  |  |
Commercial |  | 2,405 |  |  | 2,546
Consumer |  | 22,768 |  |  | 23,988
Auto |  | 2,336 |  |  | 4,435
|  | 27,509 |  |  | 30,969
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-20 |  | (1,968) |  |  | (2,062)
|  | 25,541 |  |  | 28,907
Accounted for under ASC 310-30 (Loans acquired with deteriorated |  |  |  |  |
credit quality, including those by analogy) |  |  |  |  |
Mortgage |  | 484,578 |  |  | 492,890
Commercial |  | 176,908 |  |  | 182,319
Auto |  | 9,866 |  |  | 14,403
|  | 671,352 |  |  | 689,612
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-30 |  | (42,133) |  |  | (42,010)
|  | 629,219 |  |  | 647,602
Total acquired BBVAPR loans, net |  | 654,760 |  |  | 676,509
Acquired Eurobank loans: |  |  |  |  |
Loans secured by 1-4 family residential properties |  | 62,649 |  |  | 63,392
Commercial |  | 46,588 |  |  | 47,826
Consumer |  | 856 |  |  | 846
Total acquired Eurobank loans |  | 110,093 |  |  | 112,064
Allowance for loan and lease losses on Eurobank loans |  | (24,352) |  |  | (24,971)
Total acquired Eurobank loans, net |  | 85,741 |  |  | 87,093
Total acquired loans, net |  | 740,501 |  |  | 763,602
Total held for investment, net |  | 4,393,719 |  |  | 4,421,226
Mortgage loans held-for-sale |  | 7,682 |  |  | 10,368
Total loans, net | $ | 4,401,401 |  | $ | 4,431,594
Past Due Financing Receivables [Table Text Block] |
| March 31, 2019
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | $ | 243 |  | $ | 972 |  | $ | 2,695 |  | $ | 3,910 |  | $ | 35,619 |  | $ | 39,529 |  | $ | 164
Years 2003 and 2004 |  | 144 |  |  | 2,715 |  |  | 4,934 |  |  | 7,793 |  |  | 66,079 |  |  | 73,872 |  |  | -
Year 2005 |  | 86 |  |  | 1,668 |  |  | 3,098 |  |  | 4,852 |  |  | 33,355 |  |  | 38,207 |  |  | -
Year 2006 |  | 228 |  |  | 1,658 |  |  | 4,729 |  |  | 6,615 |  |  | 47,844 |  |  | 54,459 |  |  | -
Years 2007, 2008 and 2009 |  | - |  |  | 810 |  |  | 5,832 |  |  | 6,642 |  |  | 51,783 |  |  | 58,425 |  |  | 55
Years 2010, 2011, 2012, 2013 |  | 286 |  |  | 722 |  |  | 7,001 |  |  | 8,009 |  |  | 103,092 |  |  | 111,101 |  |  | 307
Years 2014, 2015, 2016, 2017 and 2018 |  | - |  |  | 707 |  |  | 1,844 |  |  | 2,551 |  |  | 139,629 |  |  | 142,180 |  |  | -
|  | 987 |  |  | 9,252 |  |  | 30,133 |  |  | 40,372 |  |  | 477,401 |  |  | 517,773 |  |  | 526
Non-traditional |  | - |  |  | 364 |  |  | 2,617 |  |  | 2,981 |  |  | 10,225 |  |  | 13,206 |  |  | -
Loss mitigation program |  | 11,639 |  |  | 4,533 |  |  | 19,026 |  |  | 35,198 |  |  | 72,059 |  |  | 107,257 |  |  | 1,645
|  | 12,626 |  |  | 14,149 |  |  | 51,776 |  |  | 78,551 |  |  | 559,685 |  |  | 638,236 |  |  | 2,171
Home equity secured personal loans |  | - |  |  | - |  |  | 9 |  |  | 9 |  |  | 236 |  |  | 245 |  |  | -
GNMA's buy-back option program |  | - |  |  | - |  |  | 12,942 |  |  | 12,942 |  |  | - |  |  | 12,942 |  |  | -
|  | 12,626 |  |  | 14,149 |  |  | 64,727 |  |  | 91,502 |  |  | 559,921 |  |  | 651,423 |  |  | 2,171
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | - |  |  | - |  |  | - |  |  | - |  |  | 272,698 |  |  | 272,698 |  |  | -
Institutional |  | - |  |  | - |  |  | 1,167 |  |  | 1,167 |  |  | 67,759 |  |  | 68,926 |  |  | -
Middle market |  | 9,966 |  |  | - |  |  | 6,510 |  |  | 16,476 |  |  | 189,673 |  |  | 206,149 |  |  | -
Retail |  | 593 |  |  | 522 |  |  | 8,036 |  |  | 9,151 |  |  | 221,814 |  |  | 230,965 |  |  | -
Floor plan |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,098 |  |  | 4,098 |  |  | -
Real estate |  | - |  |  | - |  |  | - |  |  | - |  |  | 18,664 |  |  | 18,664 |  |  | -
|  | 10,559 |  |  | 522 |  |  | 15,713 |  |  | 26,794 |  |  | 774,706 |  |  | 801,500 |  |  | -
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 150 |  |  | - |  |  | - |  |  | 150 |  |  | 148,258 |  |  | 148,408 |  |  | -
Institutional |  | - |  |  | - |  |  | - |  |  | - |  |  | 146,380 |  |  | 146,380 |  |  | -
Middle market |  | 464 |  |  | 298 |  |  | 5,982 |  |  | 6,744 |  |  | 85,771 |  |  | 92,515 |  |  | -
Retail |  | 743 |  |  | 89 |  |  | 1,200 |  |  | 2,032 |  |  | 330,094 |  |  | 332,126 |  |  | -
Floor plan |  | - |  |  | - |  |  | 17 |  |  | 17 |  |  | 48,605 |  |  | 48,622 |  |  | -
|  | 1,357 |  |  | 387 |  |  | 7,199 |  |  | 8,943 |  |  | 759,108 |  |  | 768,051 |  |  | -
|  | 11,916 |  |  | 909 |  |  | 22,912 |  |  | 35,737 |  |  | 1,533,814 |  |  | 1,569,551 |  |  | -
| March 31, 2019
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 | $ | 803 |  | $ | 281 |  | $ | 732 |  | $ | 1,816 |  | $ | 26,110 |  | $ | 27,926 |  | $ | -
Overdrafts |  | 35 |  |  | - |  |  | - |  |  | 35 |  |  | 137 |  |  | 172 |  |  | -
Personal lines of credit |  | 89 |  |  | 3 |  |  | 29 |  |  | 121 |  |  | 1,808 |  |  | 1,929 |  |  | -
Personal loans |  | 4,566 |  |  | 1,746 |  |  | 1,025 |  |  | 7,337 |  |  | 297,271 |  |  | 304,608 |  |  | -
Cash collateral personal loans |  | 261 |  |  | 11 |  |  | 292 |  |  | 564 |  |  | 15,344 |  |  | 15,908 |  |  | -
|  | 5,754 |  |  | 2,041 |  |  | 2,078 |  |  | 9,873 |  |  | 340,670 |  |  | 350,543 |  |  | -
Auto and leasing |  | 65,490 |  |  | 22,010 |  |  | 12,163 |  |  | 99,663 |  |  | 1,067,819 |  |  | 1,167,482 |  |  | -
Total | $ | 95,786 |  | $ | 39,109 |  | $ | 101,880 |  | $ | 236,775 |  | $ | 3,502,224 |  | $ | 3,738,999 |  | $ | 2,171
| 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 and 2017 |  | - |  |  | 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
| March 31, 2019
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  | - |  |  | - |  |  | 878 |  |  | 878 |  |  | 77 |  |  | 955 |  |  | -
|  | - |  |  | - |  |  | 932 |  |  | 932 |  |  | 77 |  |  | 1,009 |  |  | -
Other commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 17 |  |  | 50 |  |  | - |  |  | 67 |  |  | 1,329 |  |  | 1,396 |  |  | -
|  | 17 |  |  | 50 |  |  | - |  |  | 67 |  |  | 1,329 |  |  | 1,396 |  |  | -
|  | 17 |  |  | 50 |  |  | 932 |  |  | 999 |  |  | 1,406 |  |  | 2,405 |  |  | -
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 486 |  |  | 137 |  |  | 391 |  |  | 1,014 |  |  | 19,608 |  |  | 20,622 |  |  | -
Personal loans |  | 55 |  |  | 21 |  |  | 35 |  |  | 111 |  |  | 2,035 |  |  | 2,146 |  |  | -
|  | 541 |  |  | 158 |  |  | 426 |  |  | 1,125 |  |  | 21,643 |  |  | 22,768 |  |  | -
Auto |  | 210 |  |  | 150 |  |  | 100 |  |  | 460 |  |  | 1,876 |  |  | 2,336 |  |  | -
Total | $ | 768 |  | $ | 358 |  | $ | 1,458 |  | $ | 2,584 |  | $ | 24,925 |  | $ | 27,509 |  | $ | -
| 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 |  | $ | -
Carrying Amounts Of Acquired Loans Tabular Disclosure [Table Text Block] |
| March 31, |  | December 31,
|  | 2019 |  |  | 2018
|  | (In thousands)
Contractual required payments receivable: | $ | 1,279,147 |  | $ | 1,304,545
Less: Non-accretable discount |  | 342,902 |  |  | 345,423
Cash expected to be collected |  | 936,245 |  |  | 959,122
Less: Accretable yield |  | 264,893 |  |  | 269,510
Carrying amount, gross |  | 671,352 |  |  | 689,612
Less: allowance for loan and lease losses |  | 42,133 |  |  | 42,010
Carrying amount, net | $ | 629,219 |  | $ | 647,602
Accretable Yield for Acquired Loans [Table Text Block] |
| Quarter Ended March 31, 2019
| Mortgage |  | Commercial |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 232,199 |  | $ | 36,508 |  | $ | 243 |  | $ | 560 |  | $ | 269,510
Accretion |  | (6,350) |  |  | (2,656) |  |  | (216) |  |  | (298) |  |  | (9,520)
Change in expected cash flows |  | - |  |  | 3,265 |  |  | 3 |  |  | 298 |  |  | 3,566
Transfer from (to) non-accretable discount |  | 1,058 |  |  | 262 |  |  | 150 |  |  | (133) |  |  | 1,337
Balance at end of period | $ | 226,907 |  | $ | 37,379 |  | $ | 180 |  | $ | 427 |  | $ | 264,893
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 291,887 |  | $ | 10,346 |  | $ | 24,245 |  | $ | 18,945 |  | $ | 345,423
Change in actual and expected losses |  | (729) |  |  | (173) |  |  | (39) |  |  | (243) |  |  | (1,184)
Transfer from accretable yield |  | (1,058) |  |  | (262) |  |  | (150) |  |  | 133 |  |  | (1,337)
Balance at end of period | $ | 290,100 |  | $ | 9,911 |  | $ | 24,056 |  | $ | 18,835 |  | $ | 342,902
| Quarter Ended March 31, 2018
| Mortgage |  | Commercial |  | Auto |  | Consumer |  | Total
| (In thousands)
Accretable Yield Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 258,498 |  | $ | 46,764 |  | $ | 2,766 |  | $ | 885 |  | $ | 308,913
Accretion |  | (7,073) |  |  | (3,685) |  |  | (869) |  |  | (256) |  |  | (11,883)
Change in expected cash flows |  | - |  |  | 3,156 |  |  | 426 |  |  | 58 |  |  | 3,640
Transfer (to) from non-accretable discount |  | (3,046) |  |  | (524) |  |  | (597) |  |  | (38) |  |  | (4,205)
Balance at end of period | $ | 248,379 |  | $ | 45,711 |  | $ | 1,726 |  | $ | 649 |  | $ | 296,465
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 299,501 |  | $ | 10,596 |  | $ | 23,050 |  | $ | 19,284 |  | $ | 352,431
Change in actual and expected losses |  | (1,440) |  |  | (389) |  |  | (204) |  |  | (13) |  |  | (2,046)
Transfer from accretable yield |  | 3,046 |  |  | 524 |  |  | 597 |  |  | 38 |  |  | 4,205
Balance at end of period | $ | 301,107 |  | $ | 10,731 |  | $ | 23,443 |  | $ | 19,309 |  | $ | 354,590
Eurobank loans carrying amount [Table Text Block] |
| March 31 |  | December 31,
| 2019 |  | 2018
| (In thousands)
Contractual required payments receivable | $ | 151,917 |  | $ | 156,722
Less: Non-accretable discount |  | 2,542 |  |  | 2,959
Cash expected to be collected |  | 149,375 |  |  | 153,763
Less: Accretable yield |  | 39,282 |  |  | 41,699
Carrying amount, gross |  | 110,093 |  |  | 112,064
Less: Allowance for loan and lease losses |  | 24,352 |  |  | 24,971
Carrying amount, net | $ | 85,741 |  | $ | 87,093
Accretable Yield for Acquired Eurobank Loans [Table Text Block] |
| Quarter Ended March 31, 2019
| 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 | $ | 37,734 |  |  | 3,310 |  |  | 655 |  |  | - |  |  | - |  |  | 41,699
Accretion |  | (1,351) |  |  | (1,165) |  |  | - |  |  | (12) |  |  | (46) |  |  | (2,574)
Change in expected cash flows |  | (423) |  |  | (44) |  |  | - |  |  | (31) |  |  | 87 |  |  | (411)
Transfer (to) from non-accretable discount |  | 408 |  |  | 159 |  |  | (1) |  |  | 43 |  |  | (41) |  |  | 568
Balance at end of period | $ | 36,368 |  | $ | 2,260 |  | $ | 654 |  | $ | - |  | $ | - |  | $ | 39,282
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 1,276 |  |  | - |  |  | 1,550 |  |  | - |  |  | 133 |  |  | 2,959
Change in actual and expected losses |  | 7 |  |  | 159 |  |  | - |  |  | 43 |  |  | (58) |  |  | 151
Transfer from (to) accretable yield |  | (408) |  |  | (159) |  |  | 1 |  |  | (43) |  |  | 41 |  |  | (568)
Balance at end of period | $ | 875 |  | $ | - |  | $ | 1,551 |  | $ | - |  | $ | 116 |  | $ | 2,542
| Quarter Ended March 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 period | $ | 41,474 |  | $ | 6,751 |  | $ | 1,447 |  |  | - |  | $ | - |  | $ | 49,672
Accretion |  | (1,605) |  |  | (1,606) |  |  | - |  |  | (34) |  |  | (96) |  |  | (3,341)
Change in expected cash flows |  | (144) |  |  | 898 |  |  | - |  |  | (63) |  |  | 178 |  |  | 869
Transfer from (to) non-accretable discount |  | (103) |  |  | (427) |  |  | (91) |  |  | 97 |  |  | (82) |  |  | (606)
Balance at end of period | $ | 39,622 |  | $ | 5,616 |  | $ | 1,356 |  | $ | - |  | $ | - |  | $ | 46,594
Non-Accretable Discount Activity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period | $ | 4,576 |  | $ | 276 |  | $ | 758 |  | $ | - |  | $ | 235 |  | $ | 5,845
Change in actual and expected losses |  | (200) |  |  | (703) |  |  | - |  |  | 97 |  |  | (98) |  |  | (904)
Transfer (to) from accretable yield |  | 103 |  |  | 427 |  |  | 91 |  |  | (97) |  |  | 82 |  |  | 606
Balance at end of period | $ | 4,479 |  | $ | - |  | $ | 849 |  | $ | - |  | $ | 219 |  | $ | 5,547
Financing Receivable Recorded Investment Nonaccrual Status By Class Of Loans [Table Text Block] |
| March 31, |  | December 31
| 2019 |  | 2018
| (In thousands)
Originated and other loans and leases held for investment |  |  |  |  |
Mortgage |  |  |  |  |
Traditional (by origination year): |  |  |  |  |
Up to the year 2002 | $ | 2,529 |  | $ | 2,538
Years 2003 and 2004 |  | 5,217 |  |  | 5,818
Year 2005 |  | 3,098 |  |  | 3,600
Year 2006 |  | 4,729 |  |  | 5,140
Years 2007, 2008 and 2009 |  | 5,850 |  |  | 6,697
Years 2010, 2011, 2012, 2013 |  | 6,694 |  |  | 8,427
Years 2014, 2015, 2016, 2017 and 2018 |  | 1,844 |  |  | 1,462
|  | 29,961 |  |  | 33,682
Non-traditional |  | 2,617 |  |  | 3,085
Loss mitigation program |  | 22,170 |  |  | 22,107
|  | 54,748 |  |  | 58,874
Home equity loans, secured personal loans |  | 9 |  |  | -
|  | 54,757 |  |  | 58,874
Commercial |  |  |  |  |
Commercial secured by real estate |  |  |  |  |
Institutional |  | 9,760 |  |  | 9,911
Middle market |  | 7,114 |  |  | 7,266
Retail |  | 15,950 |  |  | 16,123
|  | 32,824 |  |  | 33,300
Other commercial and industrial |  |  |  |  |
Middle market |  | 6,401 |  |  | 6,481
Retail |  | 2,251 |  |  | 2,629
Floor plan |  | 17 |  |  | 46
|  | 8,669 |  |  | 9,156
|  | 41,493 |  |  | 42,456
Consumer |  |  |  |  |
Credit cards |  | 732 |  |  | 411
Personal lines of credit |  | 38 |  |  | 31
Personal loans |  | 2,907 |  |  | 2,909
Cash collateral personal loans |  | 294 |  |  | 3
|  | 3,971 |  |  | 3,354
Auto and leasing |  | 12,163 |  |  | 13,494
Total non-accrual originated loans | $ | 112,384 |  | $ | 118,178
| March 31, |  | December 31,
| 2019 |  | 2018
| (In thousands)
Acquired BBVAPR loans accounted for under ASC 310-20 |  |  |  |  |
Commercial |  |  |  |  |
Commercial secured by real estate |  |  |  |  |
Retail | $ | 54 |  | $ | 54
Floor plan |  | 878 |  |  | 888
|  | 932 |  |  | 942
Other commercial and industrial |  |  |  |  |
Retail |  | - |  |  | 8
|  | - |  |  | 8
|  | 932 |  |  | 950
Consumer |  |  |  |  |
Credit cards |  | 391 |  |  | 380
Personal loans |  | 35 |  |  | 18
|  | 426 |  |  | 398
Auto |  | 100 |  |  | 200
Total non-accrual acquired BBVAPR loans accounted for under ASC 310-20 |  | 1,458 |  |  | 1,548
Total non-accrual loans | $ | 113,842 |  | $ | 119,726
Impaired Financing Receivables [Table Text Block] |
| March 31, 2019 |  |
| Unpaid |  | Recorded |  | Related |  |  |  |
| Principal |  | Investment |  | Allowance |  | Coverage |  |
| (In thousands) |  |
Impaired loans with specific allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial | $ | 61,854 |  | $ | 56,408 |  | $ | 10,828 |  | 19% |  |
Residential impaired and troubled-debt restructuring |  | 94,964 |  |  | 83,406 |  |  | 11,135 |  | 13% |  |
Impaired loans with no specific allowance: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 38,512 |  |  | 32,207 |  |  | N/A |  | 0% |  |
Total investment in impaired loans | $ | 195,330 |  | $ | 172,021 |  | $ | 21,963 |  | 13% |  |
| 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% |  |
| March 31, 2019
| Unpaid |  | Recorded |  | Related |  |
| Principal |  | Investment |  | Allowance |  | Coverage
| (In thousands)
Impaired loans with specific allowance |  |  |  |  |  |  |  |  |  |
Commercial | $ | 926 |  | $ | 747 |  | $ | 24 |  | 3%
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |
Commercial | $ | - |  | $ | - |  |  | N/A |  | 0%
Total investment in impaired loans | $ | 926 |  | $ | 747 |  | $ | 24 |  | 3%
| December 31, 2018
| Unpaid |  | Recorded |  | Specific |  |
| 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%
| March 31, 2019
|  |  |  |  |  |  |  |  |  | Coverage
| Unpaid |  | Recorded |  |  |  | to Recorded
| Principal |  | Investment |  | Allowance |  | Investment
| (In thousands)
Impaired loan pools with specific allowance: |  |  |  |  |  |  |  |  |  |
Mortgage | $ | 489,638 |  | $ | 484,577 |  | $ | 17,901 |  | 4%
Commercial |  | 162,612 |  |  | 156,682 |  |  | 20,733 |  | 13%
Auto |  | 10,336 |  |  | 9,866 |  |  | 3,499 |  | 35%
Total investment in impaired loan pools | $ | 662,586 |  | $ | 651,125 |  | $ | 42,133 |  | 6%
| 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%
| March 31, 2019
|  |  |  |  |  |  |  |  |  | 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 | $ | 66,713 |  | $ | 60,642 |  | $ | 15,110 |  | 25%
Commercial |  | 38,447 |  |  | 39,319 |  |  | 9,242 |  | 24%
Total investment in impaired loan pools | $ | 105,160 |  | $ | 99,961 |  | $ | 24,352 |  | 24%
| December 31, 2018
|  |  |  |  |  |  |  |  |  | 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 | $ | 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%
Impaired Financing Receivables Loans, excluding ASC 310-30 [Table Text Block] |
| Quarter Ended March 31,
| 2019 |  | 2018
| 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 | $ | 399 |  | $ | 50,890 |  | $ | 263 |  | $ | 51,331
Residential troubled-debt restructuring |  | 667 |  |  | 83,657 |  |  | 720 |  |  | 84,754
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 305 |  |  | 32,246 |  |  | 176 |  |  | 17,764
|  | 1,371 |  |  | 166,793 |  |  | 1,159 |  |  | 153,849
Acquired loans accounted for under ASC 310-20: |  |  |  |  |  |  |  |  |  |  |
Impaired loans with specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | - |  |  | 747 |  |  | - |  |  | 747
Impaired loans with no specific allowance |  |  |  |  |  |  |  |  |  |  |
Commercial |  | - |  |  | - |  |  | - |  |  | -
Total interest income from impaired loans | $ | 1,371 |  | $ | 167,540 |  | $ | 1,159 |  | $ | 154,596
Troubled Debt Restructurings on Financing Receivables [Table Text Block] |
| Quarter Ended March 31, 2019
| 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 | 38 |  | $ | 4,494 |  | 5.52% |  | 387 |  | $ | 4,242 |  | 4.60% |  | 353
Commercial | 1 |  |  | 7 |  | 11.50% |  | 36 |  |  | 7 |  | 11.50% |  | 24
Consumer | 71 |  |  | 963 |  | 15.20% |  | 65 |  |  | 967 |  | 11.86% |  | 73
| Quarter Ended March 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 | 38 |  | $ | 5,747 |  | 5.69% |  | 397 |  | $ | 5,339 |  | 5.08% |  | 363
Commercial | 3 |  |  | 1,559 |  | 4.75% |  | 72 |  |  | 1,555 |  | 4.75% |  | 72
Consumer | 28 |  |  | 354 |  | 15.75% |  | 47 |  |  | 355 |  | 11.60% |  | 69
| Twelve month Period Ended March 31,
| 2019 |  |  | 2018
| Number of Contracts |  | Recorded Investment |  |  | Number of Contracts |  | Recorded Investment
| (Dollars in thousands)
Mortgage | 27 |  | $ | 3,011 |  |  | 36 |  | $ | 3,310
Commercial | 4 |  | $ | 1,981 |  |  | 4 |  | $ | 398
Consumer | 43 |  | $ | 587 |  |  | 23 |  | $ | 243
Financing Receivable Credit Quality Indicators [Table Text Block] |
| March 31, 2019
| 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 | $ | 272,698 |  | $ | 230,648 |  | $ | 17,502 |  | $ | 24,548 |  | $ | - |  | $ | -
Institutional |  | 68,926 |  |  | 58,976 |  |  | - |  |  | 9,950 |  |  | - |  |  | -
Middle market |  | 206,149 |  |  | 149,873 |  |  | 33,394 |  |  | 22,882 |  |  | - |  |  | -
Retail |  | 230,965 |  |  | 205,603 |  |  | 3,902 |  |  | 21,460 |  |  | - |  |  | -
Floor plan |  | 4,098 |  |  | 2,817 |  |  | - |  |  | 1,281 |  |  | - |  |  | -
Real estate |  | 18,664 |  |  | 18,664 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 801,500 |  |  | 666,581 |  |  | 54,798 |  |  | 80,121 |  |  | - |  |  | -
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Corporate |  | 148,408 |  |  | 123,288 |  |  | 25,120 |  |  | - |  |  | - |  |  | -
Institutional |  | 146,380 |  |  | 146,380 |  |  | - |  |  | - |  |  | - |  |  | -
Middle market |  | 92,515 |  |  | 81,395 |  |  | 3,711 |  |  | 7,409 |  |  | - |  |  | -
Retail |  | 332,126 |  |  | 322,540 |  |  | 304 |  |  | 9,282 |  |  | - |  |  | -
Floor plan |  | 48,622 |  |  | 45,463 |  |  | 2,959 |  |  | 200 |  |  | - |  |  | -
|  | 768,051 |  |  | 719,066 |  |  | 32,094 |  |  | 16,891 |  |  | - |  |  | -
Total |  | 1,569,551 |  |  | 1,385,647 |  |  | 86,892 |  |  | 97,012 |  |  | - |  |  | -
Commercial - acquired loans (under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 54 |  |  | - |  |  | - |  |  | 54 |  |  | - |  |  | -
Floor plan |  | 955 |  |  | 77 |  |  | - |  |  | 878 |  |  | - |  |  | -
|  | 1,009 |  |  | 77 |  |  | - |  |  | 932 |  |  | - |  |  | -
Other commercial and industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | 1,396 |  |  | 1,396 |  |  | - |  |  | - |  |  | - |  |  | -
|  | 1,396 |  |  | 1,396 |  |  | - |  |  | - |  |  | - |  |  | -
Total |  | 2,405 |  |  | 1,473 |  |  | - |  |  | 932 |  |  | - |  |  | -
| March 31, 2019
| Risk Ratings
| Balance |  |  |  |  | Special |  |  |  |  |  |  |  |
| Outstanding |  | Pass |  | Mention |  | Substandard |  | Doubtful |  | Loss
| (In thousands)
Retail - originated and other loans held for investment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Traditional |  | 517,773 |  |  | 487,640 |  |  | - |  |  | 30,133 |  |  | - |  |  | -
Non-traditional |  | 13,206 |  |  | 10,589 |  |  | - |  |  | 2,617 |  |  | - |  |  | -
Loss mitigation program |  | 107,257 |  |  | 88,231 |  |  | - |  |  | 19,026 |  |  | - |  |  | -
Home equity secured personal loans |  | 245 |  |  | 236 |  |  | - |  |  | 9 |  |  | - |  |  | -
GNMA's buy-back option program |  | 12,942 |  |  | - |  |  | - |  |  | 12,942 |  |  | - |  |  | -
|  | 651,423 |  |  | 586,696 |  |  | - |  |  | 64,727 |  |  | - |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 27,926 |  |  | 27,194 |  |  | - |  |  | 732 |  |  | - |  |  | -
Overdrafts |  | 172 |  |  | 137 |  |  | - |  |  | 35 |  |  | - |  |  | -
Unsecured personal lines of credit |  | 1,929 |  |  | 1,900 |  |  | - |  |  | 29 |  |  | - |  |  | -
Unsecured personal loans |  | 304,608 |  |  | 303,582 |  |  | - |  |  | 1,026 |  |  | - |  |  | -
Cash collateral personal loans |  | 15,908 |  |  | 15,616 |  |  | - |  |  | 292 |  |  | - |  |  | -
|  | 350,543 |  |  | 348,429 |  |  | - |  |  | 2,114 |  |  | - |  |  | -
Auto and Leasing |  | 1,167,482 |  |  | 1,155,319 |  |  | - |  |  | 12,163 |  |  | - |  |  | -
Total |  | 2,169,448 |  |  | 2,090,444 |  |  | - |  |  | 79,004 |  |  | - |  |  | -
Retail - acquired loans (accounted for under ASC 310-20) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Credit cards |  | 20,622 |  |  | 20,232 |  |  | - |  |  | 390 |  |  | - |  |  | -
Personal loans |  | 2,146 |  |  | 2,111 |  |  | - |  |  | 35 |  |  | - |  |  | -
|  | 22,768 |  |  | 22,343 |  |  | - |  |  | 425 |  |  | - |  |  | -
Auto |  | 2,336 |  |  | 2,236 |  |  | - |  |  | 100 |  |  | - |  |  | -
|  | 25,104 |  |  | 24,579 |  |  | - |  |  | 525 |  |  | - |  |  | -
| $ | 3,766,508 |  | $ | 3,502,143 |  | $ | 86,892 |  | $ | 177,473 |  | $ | - |  | $ | -
| 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 (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 |  |  | - |  |  | -
Total |  | 28,423 |  |  | 27,825 |  |  | - |  |  | 598 |  |  | - |  |  | -
| $ | 3,776,041 |  | $ | 3,493,062 |  | $ | 105,030 |  | $ | 177,949 |  | $ | - |  | $ | -

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