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v3.22.2.2

LOANS HELD FOR INVESTMENT, NET - Allowance for Credit Losses Activity (Details) - USD ($) | 3 Months Ended | 9 Months Ended |
--- | --- | --- | ---
Sep. 30, 2022 | Sep. 30, 2021 | Sep. 30, 2022 | Sep. 30, 2021 | Dec. 31, 2021
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | $ 79,426,000 | $ 92,760,000 | $ 83,853,000 | $ 41,461,000 |
PCD Day 1 |  |  |  | 52,284,000 |
Provision (credit) for credit losses | 6,440,000 | (7,314,000) | 5,152,000 | 812,000 |
Charge-offs | (5,511,000) | (4,276,000) | (8,794,000) | (9,584,000) |
Recoveries | 1,580,000 | 85,000 | 1,724,000 | 201,000 |
Allowance for credit losses, Ending balance | 81,935,000 | 81,255,000 | 81,935,000 | 81,255,000 |
Amortized cost basis of loans on non-accrual status |  |  |  |  |
Non-accrual with No Allowance | 4,877,000 |  | 4,877,000 |  | $ 1,649,000
Non-accrual with Allowance | 36,204,000 |  | 36,204,000 |  | 38,658,000
Reserve | 20,153,000 |  | 20,153,000 |  | 19,409,000
Interest income on non-accrual loans held for investment |  |  |  |  |
Interest income on non-accrual loans | 0 | 0 | 0 | 0 |
Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | (3,919,000) |
Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 37,542,000 |
Total real estate loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 41,552,000 | 62,166,000 | 47,771,000 | 28,712,000 |
PCD Day 1 |  |  |  | 28,753,000 |
Provision (credit) for credit losses | 3,730,000 | (10,203,000) | (2,545,000) | (2,689,000) |
Charge-offs |  | (3,011,000) |  | (3,852,000) |
Recoveries |  | 81,000 | 56,000 | 85,000 |
Allowance for credit losses, Ending balance | 45,282,000 | 49,033,000 | 45,282,000 | 49,033,000 |
Total real estate loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | (1,976,000) |
Total real estate loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 26,736,000 |
One-to-four family residential and cooperative/condominium apartment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 4,514,000 | 5,522,000 | 5,932,000 | 644,000 |
PCD Day 1 |  |  |  | 2,220,000 |
Provision (credit) for credit losses | 544,000 | 583,000 | (874,000) | 2,212,000 |
Charge-offs |  | (1,000) |  | (20,000) |
Allowance for credit losses, Ending balance | 5,058,000 | 6,104,000 | 5,058,000 | 6,104,000 |
Amortized cost basis of loans on non-accrual status |  |  |  |  |
Non-accrual with Allowance | 3,219,000 |  | 3,219,000 |  | 7,623,000
Reserve | 179,000 |  | 179,000 |  | 1,278,000
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 1,048,000 |
One-to-four family residential and cooperative/condominium apartment | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 1,692,000 |
Multifamily residential and residential mixed-use |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 7,003,000 | 10,285,000 | 7,816,000 | 17,016,000 |
PCD Day 1 |  |  |  | 3,292,000 |
Provision (credit) for credit losses | 1,051,000 | (1,998,000) | 236,000 | (3,361,000) |
Charge-offs |  | (58,000) |  | (467,000) |
Recoveries |  | 78,000 | 2,000 | 81,000 |
Allowance for credit losses, Ending balance | 8,054,000 | 8,307,000 | 8,054,000 | 8,307,000 |
Multifamily residential and residential mixed-use | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | (8,254,000) |
Multifamily residential and residential mixed-use | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 8,762,000 |
Acquisition, development, and construction |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 3,788,000 | 5,158,000 | 4,857,000 | 1,993,000 |
PCD Day 1 |  |  |  | 117,000 |
Provision (credit) for credit losses | (169,000) | (139,000) | (1,238,000) | 2,528,000 |
Allowance for credit losses, Ending balance | 3,619,000 | 5,019,000 | 3,619,000 | 5,019,000 |
Amortized cost basis of loans on non-accrual status |  |  |  |  |
Non-accrual with No Allowance | 657,000 |  | 657,000 |  |
Acquisition, development, and construction | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 381,000 |
Acquisition, development, and construction | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 2,374,000 |
Commercial real estate ("CRE") |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 26,247,000 | 41,201,000 | 29,166,000 | 9,059,000 |
PCD Day 1 |  |  |  | 23,124,000 |
Provision (credit) for credit losses | 2,304,000 | (8,649,000) | (669,000) | (4,068,000) |
Charge-offs |  | (2,952,000) |  | (3,365,000) |
Recoveries |  | 3,000 | 54,000 | 4,000 |
Allowance for credit losses, Ending balance | 28,551,000 | 29,603,000 | 28,551,000 | 29,603,000 |
Amortized cost basis of loans on non-accrual status |  |  |  |  |
Non-accrual with No Allowance | 3,848,000 |  | 3,848,000 |  | 1,301,000
Non-accrual with Allowance | 3,825,000 |  | 3,825,000 |  | 3,752,000
Reserve | 1,470,000 |  | 1,470,000 |  | 797,000
Commercial real estate ("CRE") | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 4,849,000 |
Commercial real estate ("CRE") | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 13,908,000 |
Commercial and Industrial ("C&I") Loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 37,588,000 | 30,095,000 | 35,331,000 | 12,737,000 |
PCD Day 1 |  |  |  | 23,374,000 |
Provision (credit) for credit losses | 2,742,000 | 1,943,000 | 8,192,000 | 2,215,000 |
Charge-offs | (5,462,000) | (497,000) | (8,742,000) | (4,959,000) |
Recoveries | 1,580,000 | 4,000 | 1,667,000 | 113,000 |
Allowance for credit losses, Ending balance | 36,448,000 | 31,545,000 | 36,448,000 | 31,545,000 |
Amortized cost basis of loans on non-accrual status |  |  |  |  |
Non-accrual with No Allowance | 372,000 |  | 372,000 |  | 348,000
Non-accrual with Allowance | 29,160,000 |  | 29,160,000 |  | 26,918,000
Reserve | 18,504,000 |  | 18,504,000 |  | 16,973,000
Commercial and Industrial ("C&I") Loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | (1,935,000) |
Commercial and Industrial ("C&I") Loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | 10,802,000 |
Other Loans |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance | 286,000 | 499,000 | 751,000 | 12,000 |
PCD Day 1 |  |  |  | 157,000 |
Provision (credit) for credit losses | (32,000) | 946,000 | (495,000) | 1,286,000 |
Charge-offs | (49,000) | (768,000) | (52,000) | (773,000) |
Recoveries |  |  | 1,000 | 3,000 |
Allowance for credit losses, Ending balance | $ 205,000 | $ 677,000 | $ 205,000 | 677,000 |
Amortized cost basis of loans on non-accrual status |  |  |  |  |
Non-accrual with Allowance |  |  |  |  | 365,000
Reserve |  |  |  |  | $ 361,000
Other Loans | Cumulative Effect, CECL Adoption, Adjustment |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | (8,000) |
Other Loans | Cumulative Effect, CECL Adoption, Adjusted Balance |  |  |  |  |
Allowance for loan losses [Roll Forward] |  |  |  |  |
Allowance for credit losses, Beginning balance |  |  |  | $ 4,000 |

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