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Loans (Tables) | 9 Months Ended
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Sep. 30, 2013
Receivables [Abstract] |
Loans Receivable | Loans receivable consisted of the following as of the dates indicated:
|  | September 30, |  |  | December 31, |
|  | 2013 |  |  | 2012 |
|  | (In thousands) |
Real estate loans: |  |  |  |  |  |  |  |
Commercial property |  | $ | 887,576 |  |  | $ | 787,094 |
Residential property |  |  | 82,519 |  |  |  | 101,778 |
Total real estate loans |  |  | 970,095 |  |  |  | 888,872 |
Commercial and industrial loans: |  |  |  |  |  |  |  |
Commercial term (1) |  |  | 913,021 |  |  |  | 884,364 |
Commercial lines of credit (2) |  |  | 54,374 |  |  |  | 56,121 |
SBA loans (3) |  |  | 153,990 |  |  |  | 148,306 |
International loans |  |  | 33,726 |  |  |  | 34,221 |
Total commercial and industrial loans |  |  | 1,155,111 |  |  |  | 1,123,012 |
Consumer loans |  |  | 34,065 |  |  |  | 36,676 |
Total gross loans |  |  | 2,159,271 |  |  |  | 2,048,560 |
Allowance for loans losses |  |  | (57,639 | ) |  |  | (63,305 | )
Deferred loan fees |  |  | 989 |  |  |  | 796 |
Loans receivable, net |  | $ | 2,102,621 |  |  | $ | 1,986,051 |
(1) | Includes owner-occupied property loans of $816.0 million and $774.2 million as of September 30, 2013 and December 31, 2012, respectively.
(2) | Includes owner-occupied property loans of $540,000 and $1.4 million as of September 30, 2013 and December 31, 2012, respectively.
(3) | Includes owner-occupied property loans of $145.0 million and $128.4 million as of September 30, 2013 and December 31, 2012, respectively.
Loans Receivable to Loans Held for Sale | The following table details the information on the sales and reclassifications of loans receivable to loans held for sale by portfolio segment for the three months ended September 30, 2013 and 2012:
|  |  |  |  | Commercial |  |  |  |  |  |  |
|  | Real Estate |  |  | and Industrial |  |  | Consumer |  |  | Total |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 780 |  |  | $ | 1,773 |  |  | $ | — |  |  | $ | 2,553 |
Origination of loans held for sale |  |  | — |  |  |  | 17,135 |  |  |  | — |  |  |  | 17,135 |
Reclassification from loans held for sale to loans receivable |  |  | (774 | ) |  |  | (1,760 | ) |  |  | — |  |  |  | (2,534 | )
Sales of loans held for sale |  |  | — |  |  |  | (11,906 | ) |  |  | — |  |  |  | (11,906 | )
Principal payoffs and amortization |  |  | (6 | ) |  |  | (14 | ) |  |  | — |  |  |  | (20 | )
Balance at end of period |  | $ | — |  |  | $ | 5,228 |  |  | $ | — |  |  | $ | 5,228 |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 1,289 |  |  | $ | 3,849 |  |  | $ | — |  |  | $ | 5,138 |
Origination of loans held for sale |  |  | — |  |  |  | 25,722 |  |  |  | — |  |  |  | 25,722 |
Reclassification from loans receivable to loans held for sale |  |  | 8,917 |  |  |  | 16,404 |  |  |  | — |  |  |  | 25,321 |
Sales of loans held for sale |  |  | (8,828 | ) |  |  | (36,050 | ) |  |  | — |  |  |  | (44,878 | )
Principal payoffs and amortization |  |  | (21 | ) |  |  | (27 | ) |  |  | — |  |  |  | (48 | )
Valuation adjustments |  |  | — |  |  |  | (519 | ) |  |  | — |  |  |  | (519 | )
Balance at end of period |  | $ | 1,357 |  |  | $ | 9,379 |  |  | $ | — |  |  | $ | 10,736 |
The following table details the information on the sales and reclassifications of loans receivable to loans held for sale by portfolio segment for the nine months ended September 30, 2013 and 2012:
|  |  |  |  | Commercial |  |  |  |  |  |  |
|  | Real Estate |  |  | and Industrial |  |  | Consumer |  |  | Total |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | — |  |  | $ | 8,306 |  |  | $ | — |  |  | $ | 8,306 |
Origination of loans held for sale |  |  | — |  |  |  | 63,113 |  |  |  | — |  |  |  | 63,113 |
Reclassification from loans receivable to loans held for sale |  |  | 780 |  |  |  | 7,230 |  |  |  | — |  |  |  | 8,010 |
Reclassification from Loans held for sale to loan receivables |  |  | (774 | ) |  |  | (1,760 | ) |  |  | — |  |  |  | (2,534 | )
Sales of loans held for sale |  |  | — |  |  |  | (71,627 | ) |  |  | — |  |  |  | (71,627 | )
Principal payoffs and amortization |  |  | (6 | ) |  |  | (34 | ) |  |  | — |  |  |  | (40 | )
Balance at end of period |  | $ | — |  |  | $ | 5,228 |  |  | $ | — |  |  | $ | 5,228 |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 11,068 |  |  | $ | 11,519 |  |  | $ | — |  |  | $ | 22,587 |
Origination of loans held for sale |  |  | — |  |  |  | 86,311 |  |  |  | — |  |  |  | 86,311 |
Reclassification from loans receivable to loans held for sale |  |  | 41,141 |  |  |  | 48,651 |  |  |  | — |  |  |  | 89,792 |
Reclassification from loans held for sale to other real estate owned |  |  | (360 | ) |  |  | — |  |  |  | — |  |  |  | (360 | )
Reclassification from loans held for sale to loans receivable |  |  | (1,647 | ) |  |  | (132 | ) |  |  | — |  |  |  | (1,779 | )
Sales of loans held for sale |  |  | (47,531 | ) |  |  | (135,505 | ) |  |  | — |  |  |  | (183,036 | )
Principal payoffs and amortization |  |  | (190 | ) |  |  | (289 | ) |  |  | — |  |  |  | (479 | )
Valuation adjustments |  |  | (1,124 | ) |  |  | (1,176 | ) |  |  | — |  |  |  | (2,300 | )
Balance at end of period |  | $ | 1,357 |  |  | $ | 9,379 |  |  | $ | — |  |  | $ | 10,736 |
Allowance for Loan Losses and Allowance for Off-Balance Sheet Items | Activity in the allowance for loan losses and allowance for off-balance sheet items was as follows for the periods indicated:
|  | As of and for the |  |  | As of and for the |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, |  |  | June 30, |  |  | September 30, |  |  | September 30, |  |  | September 30, |
|  | 2013 |  |  | 2013 |  |  | 2012 |  |  | 2013 |  |  | 2012 |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 59,876 |  |  | $ | 61,191 |  |  | $ | 71,893 |  |  | $ | 63,305 |  |  | $ | 89,936 |
Actual charge-offs |  |  | (4,610 | ) |  |  | (3,490 | ) |  |  | (7,223 | ) |  |  | (11,124 | ) |  |  | (34,260 | )
Recoveries on loans previously charged off |  |  | 2,383 |  |  |  | 1,867 |  |  |  | 1,320 |  |  |  | 4,964 |  |  |  | 3,681 |
Net loan charge-offs |  |  | (2,227 | ) |  |  | (1,623 | ) |  |  | (5,903 | ) |  |  | (6,160 | ) |  |  | (30,579 | )
Provision charged to operating expense |  |  | (10 | ) |  |  | 308 |  |  |  | 117 |  |  |  | 494 |  |  |  | 6,750 |
Balance at end of period |  | $ | 57,639 |  |  | $ | 59,876 |  |  | $ | 66,107 |  |  | $ | 57,639 |  |  | $ | 66,107 |
Allowance for off-balance sheet items: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 1,320 |  |  | $ | 1,628 |  |  | $ | 2,348 |  |  | $ | 1,824 |  |  | $ | 2,981 |
Provision charged to operating expense |  |  | 10 |  |  |  | (308 | ) |  |  | (117 | ) |  |  | (494 | ) |  |  | (750 | )
Balance at end of period |  | $ | 1,330 |  |  | $ | 1,320 |  |  | $ | 2,231 |  |  | $ | 1,330 |  |  | $ | 2,231 |
Allowance for Loan Losses by Portfolio Segment | The following table details the information on the allowance for loan losses by portfolio segment for the three months ended September 30, 2013 and 2012:
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |
|  | Real Estate |  |  | and Industrial |  |  | Consumer |  |  | Unallocated |  |  | Total |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 18,480 |  |  | $ | 39,034 |  |  | $ | 1,884 |  |  | $ | 478 |  |  | $ | 59,876 |
Charge-offs |  |  | — |  |  |  | (4,592 | ) |  |  | (18 | ) |  |  | — |  |  |  | (4,610 | )
Recoveries on loans previously charged off |  |  | 726 |  |  |  | 1,652 |  |  |  | 5 |  |  |  | — |  |  |  | 2,383 |
Provision |  |  | (118 | ) |  |  | (1,289 | ) |  |  | (232 | ) |  |  | 1,629 |  |  |  | (10 | )
Ending balance |  | $ | 19,088 |  |  | $ | 34,805 |  |  | $ | 1,639 |  |  | $ | 2,107 |  |  | $ | 57,639 |
Ending balance: individually evaluated for impairment |  | $ | 25 |  |  | $ | 2,014 |  |  | $ | 330 |  |  | $ | — |  |  | $ | 2,369 |
Ending balance: collectively evaluated for impairment |  | $ | 19,063 |  |  | $ | 32,791 |  |  | $ | 1,309 |  |  | $ | 2,107 |  |  | $ | 55,270 |
Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 970,095 |  |  | $ | 1,155,111 |  |  | $ | 34,065 |  |  | $ | — |  |  | $ | 2,159,271 |
Ending balance: individually evaluated for impairment |  | $ | 6,385 |  |  | $ | 35,507 |  |  | $ | 1,574 |  |  | $ | — |  |  | $ | 43,466 |
Ending balance: collectively evaluated for impairment |  | $ | 963,710 |  |  | $ | 1,119,604 |  |  | $ | 32,491 |  |  | $ | — |  |  | $ | 2,115,805 |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 21,406 |  |  | $ | 46,810 |  |  | $ | 1,757 |  |  | $ | 1,920 |  |  | $ | 71,893 |
Charge-offs |  |  | (1,321 | ) |  |  | (5,571 | ) |  |  | (331 | ) |  |  | — |  |  |  | (7,223 | )
Recoveries on loans previously charged off |  |  | 58 |  |  |  | 1,251 |  |  |  | 11 |  |  |  | — |  |  |  | 1,320 |
Provision |  |  | 1,080 |  |  |  | 174 |  |  |  | 783 |  |  |  | (1,920 | ) |  |  | 117 |
Ending balance |  | $ | 21,223 |  |  | $ | 42,664 |  |  | $ | 2,220 |  |  | $ | — |  |  | $ | 66,107 |
Ending balance: individually evaluated for impairment |  | $ | 768 |  |  | $ | 5,148 |  |  | $ | 398 |  |  | $ | — |  |  | $ | 6,314 |
Ending balance: collectively evaluated for impairment |  | $ | 20,455 |  |  | $ | 37,516 |  |  | $ | 1,822 |  |  | $ | — |  |  | $ | 59,793 |
Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 840,061 |  |  | $ | 1,079,814 |  |  | $ | 38,415 |  |  | $ | — |  |  | $ | 1,958,290 |
Ending balance: individually evaluated for impairment |  | $ | 16,315 |  |  | $ | 41,084 |  |  | $ | 1,238 |  |  | $ | — |  |  | $ | 58,637 |
Ending balance: collectively evaluated for impairment |  | $ | 823,746 |  |  | $ | 1,038,730 |  |  | $ | 37,177 |  |  | $ | — |  |  | $ | 1,899,653 |
The following table details the information on the allowance for loan losses by portfolio segment for the nine months ended September 30, 2013 and 2012:
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |
|  | Real Estate |  |  | and Industrial |  |  | Consumer |  |  | Unallocated |  |  | Total |
|  |  |  |  |  |  |  | (In thousands) |  |  |  |  |  |  |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 18,180 |  |  | $ | 41,928 |  |  | $ | 2,280 |  |  | $ | 917 |  |  | $ | 63,305 |
Charge-offs |  |  | (359 | ) |  |  | (10,547 | ) |  |  | (218 | ) |  |  | — |  |  |  | (11,124 | )
Recoveries on loans previously charged off |  |  | 1,776 |  |  |  | 3,128 |  |  |  | 60 |  |  |  | — |  |  |  | 4,964 |
Provision |  |  | (509 | ) |  |  | 296 |  |  |  | (483 | ) |  |  | 1,190 |  |  |  | 494 |
Ending balance |  | $ | 19,088 |  |  | $ | 34,805 |  |  | $ | 1,639 |  |  | $ | 2,107 |  |  | $ | 57,639 |
Ending balance: individually evaluated for impairment |  | $ | 25 |  |  | $ | 2,014 |  |  | $ | 330 |  |  | $ | — |  |  | $ | 2,369 |
Ending balance: collectively evaluated for impairment |  | $ | 19,063 |  |  | $ | 32,791 |  |  | $ | 1,309 |  |  | $ | 2,107 |  |  | $ | 55,270 |
Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 970,095 |  |  | $ | 1,155,111 |  |  | $ | 34,065 |  |  | $ | — |  |  | $ | 2,159,271 |
Ending balance: individually evaluated for impairment |  | $ | 6,385 |  |  | $ | 35,507 |  |  | $ | 1,574 |  |  | $ | — |  |  | $ | 43,466 |
Ending balance: collectively evaluated for impairment |  | $ | 963,710 |  |  | $ | 1,119,604 |  |  | $ | 32,491 |  |  | $ | — |  |  | $ | 2,115,805 |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 19,637 |  |  | $ | 66,005 |  |  | $ | 2,243 |  |  | $ | 2,051 |  |  | $ | 89,936 |
Charge-offs |  |  | (9,406 | ) |  |  | (24,079 | ) |  |  | (775 | ) |  |  | — |  |  |  | (34,260 | )
Recoveries on loans previously charged off |  |  | 575 |  |  |  | 3,053 |  |  |  | 53 |  |  |  | — |  |  |  | 3,681 |
Provision |  |  | 10,419 |  |  |  | (2,317 | ) |  |  | 699 |  |  |  | (2,051 | ) |  |  | 6,750 |
Ending balance |  | $ | 21,225 |  |  | $ | 42,662 |  |  | $ | 2,220 |  |  | $ | — |  |  |  | 66,107 |
Ending balance: individually evaluated for impairment |  | $ | 768 |  |  | $ | 5,148 |  |  | $ | 398 |  |  | $ | — |  |  |  | 6,314 |
Ending balance: collectively evaluated for impairment |  | $ | 20,457 |  |  | $ | 37,514 |  |  | $ | 1,822 |  |  | $ | — |  |  |  | 59,793 |
Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 840,061 |  |  | $ | 1,079,814 |  |  | $ | 38,415 |  |  | $ | — |  |  |  | 1,958,290 |
Ending balance: individually evaluated for impairment |  | $ | 16,315 |  |  | $ | 41,084 |  |  | $ | 1,238 |  |  | $ | — |  |  |  | 58,637 |
Ending balance: collectively evaluated for impairment |  | $ | 823,746 |  |  | $ | 1,038,730 |  |  | $ | 37,177 |  |  | $ | — |  |  |  | 1,899,653 |
Credit Quality of Loan Portfolio | As of September 30, 2013 and December 31, 2012, pass (grade 0-4), criticized (grade 5) and classified (grade 6-7) loans, disaggregated by loan class, were as follows:
|  | Pass (Grade 0-4) |  |  | Criticized (Grade 5) |  |  | Classified (Grade 6-7) |  |  | Total Loans |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 448,429 |  |  | $ | 11,435 |  |  | $ | 4,778 |  |  | $ | 464,642 |
Land |  |  | 5,430 |  |  |  | — |  |  |  | 164 |  |  |  | 5,594 |
Other |  |  | 396,021 |  |  |  | 8,750 |  |  |  | 12,569 |  |  |  | 417,340 |
Residential property |  |  | 80,568 |  |  |  | — |  |  |  | 1,951 |  |  |  | 82,519 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 82,806 |  |  |  | 1,797 |  |  |  | 12,391 |  |  |  | 96,994 |
Secured by real estate |  |  | 764,787 |  |  |  | 13,568 |  |  |  | 37,672 |  |  |  | 816,027 |
Commercial lines of credit |  |  | 52,630 |  |  |  | 198 |  |  |  | 1,546 |  |  |  | 54,374 |
SBA loans |  |  | 142,346 |  |  |  | 664 |  |  |  | 10,980 |  |  |  | 153,990 |
International loans |  |  | 32,046 |  |  |  | 500 |  |  |  | 1,180 |  |  |  | 33,726 |
Consumer loans |  |  | 31,342 |  |  |  | 175 |  |  |  | 2,548 |  |  |  | 34,065 |
Total gross loans |  | $ | 2,036,405 |  |  | $ | 37,087 |  |  | $ | 85,779 |  |  | $ | 2,159,271 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 386,650 |  |  | $ | 3,971 |  |  | $ | 2,324 |  |  | $ | 392,945 |
Land |  |  | 5,491 |  |  |  | — |  |  |  | 8,516 |  |  |  | 14,007 |
Other |  |  | 366,518 |  |  |  | 12,132 |  |  |  | 1,492 |  |  |  | 380,142 |
Residential property |  |  | 99,250 |  |  |  | — |  |  |  | 2,528 |  |  |  | 101,778 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 87,370 |  |  |  | 663 |  |  |  | 22,139 |  |  |  | 110,172 |
Secured by real estate |  |  | 710,723 |  |  |  | 13,038 |  |  |  | 50,431 |  |  |  | 774,192 |
Commercial lines of credit |  |  | 53,391 |  |  |  | 863 |  |  |  | 1,867 |  |  |  | 56,121 |
SBA loans |  |  | 136,058 |  |  |  | 1,119 |  |  |  | 11,129 |  |  |  | 148,306 |
International loans |  |  | 34,221 |  |  |  | — |  |  |  | — |  |  |  | 34,221 |
Consumer loans |  |  | 33,707 |  |  |  | 201 |  |  |  | 2,768 |  |  |  | 36,676 |
Total gross loans |  | $ | 1,913,379 |  |  | $ | 31,987 |  |  | $ | 103,194 |  |  | $ | 2,048,560 |
Analysis of Past Due Loans, Disaggregated by Loan Class | The following is an aging analysis of past due loans, disaggregated by loan class, as of September 30, 2013 and December 31, 2012:
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or More Past Due |  |  | Total Past Due |  |  | Current |  |  | Total Loans |  |  | Accruing 90 Days or More Past Due |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 2,270 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,270 |  |  | $ | 462,372 |  |  | $ | 464,642 |  |  | $ | — |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,594 |  |  |  | 5,594 |  |  |  | — |
Other |  |  | — |  |  |  | 1,768 |  |  |  | — |  |  |  | 1,768 |  |  |  | 415,572 |  |  |  | 417,340 |  |  |  | — |
Residential property |  |  | — |  |  |  | — |  |  |  | 561 |  |  |  | 561 |  |  |  | 81,958 |  |  |  | 82,519 |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 1,309 |  |  |  | 389 |  |  |  | 692 |  |  |  | 2,390 |  |  |  | 94,604 |  |  |  | 96,994 |  |  |  | — |
Secured by real estate |  |  | 285 |  |  |  | 300 |  |  |  | 415 |  |  |  | 1,000 |  |  |  | 815,027 |  |  |  | 816,027 |  |  |  | — |
Commercial lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 54,374 |  |  |  | 54,374 |  |  |  | — |
SBA loans |  |  | 1,743 |  |  |  | 1,086 |  |  |  | 4,542 |  |  |  | 7,371 |  |  |  | 146,619 |  |  |  | 153,990 |  |  |  | — |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 33,726 |  |  |  | 33,726 |  |  |  | — |
Consumer loans |  |  | 316 |  |  |  | 27 |  |  |  | 295 |  |  |  | 638 |  |  |  | 33,427 |  |  |  | 34,065 |  |  |  | — |
Total gross loans |  | $ | 5,923 |  |  | $ | 3,570 |  |  | $ | 6,505 |  |  | $ | 15,998 |  |  | $ | 2,143,273 |  |  | $ | 2,159,271 |  |  | $ | — |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | — |  |  | $ | 111 |  |  | $ | — |  |  | $ | 111 |  |  | $ | 392,834 |  |  | $ | 392,945 |  |  | $ | — |
Land |  |  | — |  |  |  | — |  |  |  | 335 |  |  |  | 335 |  |  |  | 13,672 |  |  |  | 14,007 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 380,142 |  |  |  | 380,142 |  |  |  | — |
Residential property |  |  | — |  |  |  | 588 |  |  |  | 311 |  |  |  | 899 |  |  |  | 100,879 |  |  |  | 101,778 |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 918 |  |  |  | 1,103 |  |  |  | 1,279 |  |  |  | 3,300 |  |  |  | 106,872 |  |  |  | 110,172 |  |  |  | — |
Secured by real estate |  |  | 1,949 |  |  |  | — |  |  |  | 926 |  |  |  | 2,875 |  |  |  | 771,317 |  |  |  | 774,192 |  |  |  | — |
Commercial lines of credit |  |  | — |  |  |  | 188 |  |  |  | 416 |  |  |  | 604 |  |  |  | 55,517 |  |  |  | 56,121 |  |  |  | — |
SBA loans |  |  | 3,759 |  |  |  | 1,039 |  |  |  | 2,800 |  |  |  | 7,598 |  |  |  | 140,708 |  |  |  | 148,306 |  |  |  | — |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34,221 |  |  |  | 34,221 |  |  |  | — |
Consumer loans |  |  | 61 |  |  |  | 146 |  |  |  | 538 |  |  |  | 745 |  |  |  | 35,931 |  |  |  | 36,676 |  |  |  | — |
Total gross loans |  | $ | 6,687 |  |  | $ | 3,175 |  |  | $ | 6,605 |  |  | $ | 16,467 |  |  | $ | 2,032,093 |  |  | $ | 2,048,560 |  |  | $ | — |
Information on Impaired Loans, Disaggregated by Loan Class | The following table provides information on impaired loans, disaggregated by loan class, as of the dates indicated:
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | With No Related Allowance Recorded |  |  | With an Allowance Recorded |  |  | Related Allowance |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 2,234 |  |  | $ | 2,309 |  |  | $ | 2,234 |  |  | $ | — |  |  | $ | — |
Land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | 1,169 |  |  |  | 1,169 |  |  |  | 649 |  |  |  | 520 |  |  |  | 25 |
Residential property |  |  | 2,982 |  |  |  | 3,072 |  |  |  | 2,982 |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 10,072 |  |  |  | 10,361 |  |  |  | 1,743 |  |  |  | 8,329 |  |  |  | 1,371 |
Secured by real estate |  |  | 17,948 |  |  |  | 19,181 |  |  |  | 17,193 |  |  |  | 755 |  |  |  | 163 |
Commercial lines of credit |  |  | 830 |  |  |  | 1,055 |  |  |  | 830 |  |  |  | — |  |  |  | 471 |
SBA loans |  |  | 5,477 |  |  |  | 8,785 |  |  |  | 4,112 |  |  |  | 1,365 |  |  |  | 9 |
International loans |  |  | 1,180 |  |  |  | 1,180 |  |  |  | 608 |  |  |  | 572 |  |  |  | 330 |
Consumer loans |  |  | 1,574 |  |  |  | 1,662 |  |  |  | 399 |  |  |  | 1,175 |  |  |  | — |
Total gross loans |  | $ | 43,466 |  |  | $ | 48,774 |  |  | $ | 30,750 |  |  | $ | 12,716 |  |  | $ | 2,369 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 2,930 |  |  | $ | 3,024 |  |  | $ | 2,930 |  |  | $ | — |  |  | $ | — |
Land |  |  | 2,097 |  |  |  | 2,307 |  |  |  | 2,097 |  |  |  | — |  |  |  | — |
Other |  |  | 527 |  |  |  | 527 |  |  |  | — |  |  |  | 527 |  |  |  | 67 |
Residential property |  |  | 3,265 |  |  |  | 3,308 |  |  |  | 1,866 |  |  |  | 1,399 |  |  |  | 94 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 14,532 |  |  |  | 15,515 |  |  |  | 6,826 |  |  |  | 7,706 |  |  |  | 2,144 |
Secured by real estate |  |  | 22,050 |  |  |  | 23,221 |  |  |  | 9,520 |  |  |  | 12,530 |  |  |  | 2,319 |
Commercial lines of credit |  |  | 1,521 |  |  |  | 1,704 |  |  |  | 848 |  |  |  | 673 |  |  |  | 230 |
SBA loans |  |  | 6,170 |  |  |  | 10,244 |  |  |  | 4,294 |  |  |  | 1,876 |  |  |  | 762 |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer loans |  |  | 1,652 |  |  |  | 1,711 |  |  |  | 449 |  |  |  | 1,203 |  |  |  | 615 |
Total gross loans |  | $ | 54,744 |  |  | $ | 61,561 |  |  | $ | 28,830 |  |  | $ | 25,914 |  |  | $ | 6,231 |
The following table provides information on impaired loans, disaggregated by loan class, as of dates indicated:
|  | Average Recorded Investment for the Three Months Ended |  |  | Interest Income Recognized for the Three Months Ended |  |  | Average Recorded Investment for the Nine Months Ended |  |  | Interest Income Recognized for the Nine Months Ended |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 2,243 |  |  | $ | 21 |  |  | $ | 2,287 |  |  | $ | 65 |
Land |  |  | — |  |  |  | — |  |  |  | 1,116 |  |  |  | 80 |
Other |  |  | 1,170 |  |  |  | 13 |  |  |  | 740 |  |  |  | 23 |
Residential property |  |  | 2,992 |  |  |  | 33 |  |  |  | 3,026 |  |  |  | 92 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 10,179 |  |  |  | 148 |  |  |  | 12,122 |  |  |  | 555 |
Secured by real estate |  |  | 18,023 |  |  |  | 336 |  |  |  | 17,358 |  |  |  | 954 |
Commercial lines of credit |  |  | 840 |  |  |  | 23 |  |  |  | 1,137 |  |  |  | 48 |
SBA loans |  |  | 5,542 |  |  |  | 299 |  |  |  | 5,870 |  |  |  | 851 |
International loans |  |  | 1,197 |  |  |  | — |  |  |  | 1,342 |  |  |  | — |
Consumer loans |  |  | 1,581 |  |  |  | 27 |  |  |  | 1,624 |  |  |  | 54 |
Total gross loans |  | $ | 43,767 |  |  | $ | 900 |  |  | $ | 46,622 |  |  | $ | 2,722 |
September 30, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 2,597 |  |  | $ | 47 |  |  | $ | 2,162 |  |  | $ | 95 |
Land |  |  | 2,054 |  |  |  | 45 |  |  |  | 2,134 |  |  |  | 136 |
Other |  |  | 534 |  |  |  | 5 |  |  |  | 937 |  |  |  | 38 |
Construction |  |  | 7,868 |  |  |  | 29 |  |  |  | 8,016 |  |  |  | 207 |
Residential property |  |  | 3,279 |  |  |  | 34 |  |  |  | 3,265 |  |  |  | 118 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | 13,723 |  |  |  | 214 |  |  |  | 14,079 |  |  |  | 644 |
Secured by real estate |  |  | 19,990 |  |  |  | 342 |  |  |  | 21,834 |  |  |  | 1,300 |
Commercial lines of credit |  |  | 1,555 |  |  |  | 16 |  |  |  | 1,742 |  |  |  | 46 |
SBA loans |  |  | 6,168 |  |  |  | 330 |  |  |  | 7,489 |  |  |  | 813 |
Consumer loans |  |  | 1,257 |  |  |  | 49 |  |  |  | 1,021 |  |  |  | 59 |
Total gross loans |  | $ | 59,025 |  |  | $ | 1,111 |  |  | $ | 62,679 |  |  | $ | 3,456 |
Summary of Interest Foregone on Impaired Loans | The following is a summary of interest foregone on impaired loans for the periods indicated:
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, |  |  | September 30, |  |  | September 30, |  |  | September 30, |
|  | 2013 |  |  | 2012 |  |  | 2013 |  |  | 2012 |
|  | (In thousands) |
Interest income that would have been recognized had impaired loans performed in accordance with their original terms |  | $ | 1,058 |  |  | $ | 1,382 |  |  | $ | 3,183 |  |  | $ | 4,315 |
Less: Interest income recognized on impaired loans |  |  | (900 | ) |  |  | (1,111 | ) |  |  | (2,722 | ) |  |  | (3,456 | )
Interest foregone on impaired loans |  | $ | 158 |  |  | $ | 271 |  |  | $ | 461 |  |  | $ | 859 |
Non-Accrual Loans, Disaggregated by Loan Class | The following table details non-accrual loans, disaggregated by loan class, as of the dates indicated:
|  | September 30, |  |  | December 31, |
|  | 2013 |  |  | 2012 |
|  | (In thousands) |
Real estate loans: |  |  |  |
Commercial property |  |  |  |  |  |  |  |
Retail |  | $ | 768 |  |  | $ | 1,079 |
Land |  |  | — |  |  |  | 2,097 |
Residential property |  |  | 1,659 |  |  |  | 1,270 |
Commercial and industrial loans: |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |
Unsecured |  |  | 2,490 |  |  |  | 8,311 |
Secured by real estate |  |  | 5,591 |  |  |  | 8,679 |
Commercial lines of credit |  |  | 830 |  |  |  | 1,521 |
SBA loans |  |  | 9,959 |  |  |  | 12,563 |
Consumer loans |  |  | 1,479 |  |  |  | 1,759 |
Total non-accrual loans |  | $ | 22,776 |  |  | $ | 37,279 |
Non-Performing Assets | The following table details non-performing assets as of the dates indicated:
|  | September 30, |  |  | December 31, |
|  | 2013 |  |  | 2012 |
|  | (In thousands) |
Non-accrual loans |  | $ | 22,776 |  |  | $ | 37,279 |
Loans 90 days or more past due and still accruing |  |  | — |  |  |  | — |
Total non-performing loans |  |  | 22,776 |  |  |  | 37,279 |
Other real estate owned |  |  | 290 |  |  |  | 774 |
Total non-performing assets |  | $ | 23,066 |  |  | $ | 38,053 |
Troubled Debt Restructurings, Disaggregated by Type of Concession and by Loan Type | The following table details troubled debt restructurings, disaggregated by concession type and by loan type, as of September 30, 2013 and December 31, 2012:
|  | Non-Accrual TDRs |  |  | Accrual TDRs |
|  | Deferral of Principal |  |  | Deferral of Principal and Interest |  |  | Reduction of Principal and Interest |  |  | Extension of Maturity |  |  | Total |  |  | Deferral of Principal |  |  | Deferral of Principal and Interest |  |  | Reduction of Principal and Interest |  |  | Extension of Maturity |  |  | Total |
|  | (In thousands) |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 768 |  |  | $ | 768 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 520 |  |  |  | — |  |  |  | — |  |  |  | 649 |  |  |  | 1,169 |
Residential property |  |  | 803 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 803 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | — |  |  |  | 205 |  |  |  | 651 |  |  |  | 644 |  |  |  | 1,500 |  |  |  | 1,271 |  |  |  | — |  |  |  | 1,983 |  |  |  | 3,002 |  |  |  | 6,256 |
Secured by real estate |  |  | 2,167 |  |  |  | 993 |  |  |  | 263 |  |  |  | — |  |  |  | 3,423 |  |  |  | 3,458 |  |  |  | — |  |  |  | 598 |  |  |  | 4,487 |  |  |  | 8,543 |
Commercial lines of credit |  |  | 641 |  |  |  | — |  |  |  | — |  |  |  | 188 |  |  |  | 829 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
SBA loans |  |  | 915 |  |  |  | 1,140 |  |  |  | 773 |  |  |  | — |  |  |  | 2,828 |  |  |  | 445 |  |  |  | — |  |  |  | 70 |  |  |  | — |  |  |  | 515 |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,180 |  |  |  | — |  |  |  | 1,180 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 149 |  |  |  | — |  |  |  | 149 |
Total |  | $ | 4,526 |  |  | $ | 2,338 |  |  | $ | 1,687 |  |  | $ | 1,600 |  |  | $ | 10,151 |  |  | $ | 5,694 |  |  | $ | — |  |  | $ | 3,980 |  |  | $ | 8,138 |  |  | $ | 17,812 |
December 31, 2012 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,080 |  |  | $ | 1,080 |  |  | $ | 357 |  |  | $ | — |  |  | $ | — |  |  | $ | 175 |  |  | $ | 532 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 527 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 527 |
Residential property |  |  | 827 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 827 |  |  |  | — |  |  |  | 572 |  |  |  | — |  |  |  | — |  |  |  | 572 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | — |  |  |  | 658 |  |  |  | 4,558 |  |  |  | 1,413 |  |  |  | 6,629 |  |  |  | 976 |  |  |  | — |  |  |  | 1,090 |  |  |  | 3,260 |  |  |  | 5,326 |
Secured by real estate |  |  | 2,317 |  |  |  | 1,343 |  |  |  | 318 |  |  |  | — |  |  |  | 3,978 |  |  |  | 4,444 |  |  |  | — |  |  |  | 448 |  |  |  | 4,547 |  |  |  | 9,439 |
Commercial lines of credit |  |  | 673 |  |  |  | — |  |  |  | 188 |  |  |  | 244 |  |  |  | 1,105 |  |  |  | — |  |  |  |  |  |  |  | — |  |  |  | — |  |  |  | — |
SBA loans |  |  | 2,831 |  |  |  | 1,287 |  |  |  | 1,032 |  |  |  | — |  |  |  | 5,150 |  |  |  | 484 |  |  |  | — |  |  |  | 100 |  |  |  | — |  |  |  | 584 |
Total |  | $ | 6,648 |  |  | $ | 3,288 |  |  | $ | 6,096 |  |  | $ | 2,737 |  |  | $ | 18,769 |  |  | $ | 6,788 |  |  | $ | 572 |  |  | $ | 1,638 |  |  | $ | 7,982 |  |  | $ | 16,980 |
Troubled Debt Restructuring, Disaggregated by Loan Class | The following table details troubled debt restructuring, disaggregated by loan class, for the three months ended September 30, 2013 and 2012:
|  | September 30, 2013 |  |  | September 30, 2012 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
|  | (In thousands, except number of loans) |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail (1) |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 131 |  |  | $ | 177 |
Other (2) |  |  | 1 |  |  |  | 646 |  |  |  | 649 |  |  |  | 1 |  |  |  | 538 |  |  |  | 532 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured (3) |  |  | 8 |  |  |  | 1,015 |  |  |  | 1,002 |  |  |  | 5 |  |  |  | 777 |  |  |  | 759 |
Secured by real estate (4) |  |  | 2 |  |  |  | 1,365 |  |  |  | 1,365 |  |  |  | 3 |  |  |  | 4,525 |  |  |  | 4,475 |
SBA loans (5) |  |  | 1 |  |  |  | 107 |  |  |  | 91 |  |  |  | 3 |  |  |  | 78 |  |  |  | 89 |
Total |  |  | 12 |  |  | $ | 3,133 |  |  | $ | 3,107 |  |  |  | 13 |  |  | $ | 6,049 |  |  | $ | 6,032 |
(1) | Includes a modification of $177,000 through an extension of maturity for the three months ended September 30, 2012.
(2) | Includes a modification of $649,000 through an extension of maturity for the three months ended September 30, 2013, and a modification of $532,000 through a payment deferral for the three months ended September 30, 2012.
(3) | Includes modifications of $381,000 through payment deferrals and $621,000 through extensions of maturity for the three months ended September 30, 2013, and modifications of $750,000 through extensions of maturity and $9,000 through payment deferrals for the three months ended September 30, 2012.
(4) | Includes modifications of $1.4 million through payment deferrals for the three months ended September 30, 2013, and modifications of $3.1 million through payment deferrals and $1.4 million through an extension of maturity for the three months ended September 30, 2012.
(5) | Includes a modification of $91,000 through a payment deferral for the three months ended September 30, 2013, and modifications of $48,000 through payment deferrals and $41,000 through a reduction of principal or accrued interest for the three months ended September 30, 2012.
The following table details troubled debt restructuring, disaggregated by loan class, for the nine months ended September 30, 2013 and 2012:
|  | September 30, 2013 |  |  | September 30, 2012 |
|  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Loans |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
|  | (In thousands, except number of loans) |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail (1) |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 184 |  |  | $ | 177 |
Land (2) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 547 |  |  |  | 532 |
Other (3) |  |  | 1 |  |  |  | 658 |  |  |  | 649 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured (4) |  |  | 14 |  |  |  | 1,780 |  |  |  | 1,618 |  |  |  | 31 |  |  |  | 5,362 |  |  |  | 4,940 |
Secured by real estate (5) |  |  | 2 |  |  |  | 1,365 |  |  |  | 1,365 |  |  |  | 5 |  |  |  | 5,584 |  |  |  | 5,307 |
Commercial lines of credit (6) |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 202 |  |  |  | 188 |
SBA loans (7) |  |  | 3 |  |  |  | 273 |  |  |  | 228 |  |  |  | 11 |  |  |  | 1,060 |  |  |  | 1,000 |
International loans (8) |  |  | 2 |  |  |  | 1,584 |  |  |  | 1,180 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer loans (9) |  |  | 1 |  |  |  | 149 |  |  |  | 149 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  |  | 24 |  |  | $ | 5,809 |  |  | $ | 5,189 |  |  |  | 50 |  |  | $ | 12,939 |  |  | $ | 12,144 |
(1) | Includes a modification of $177,000 through an extension of maturity for the nine months ended September 30, 2012.
(2) | Includes a modification of $532,000 through a payment deferral for the nine months ended September 30, 2012.
(3) | Includes a modification of $649,000 through an extension of maturity for the nine months ended September 30, 2013.
(4) | Includes modifications of $381,000 through payment deferrals and $1.2 million through extensions of maturity for the nine months ended September 30, 2013, and modifications of $2.2 million through extensions of maturity, $1.9 million through reductions of principal or accrued interest and $884,000 through payment deferrals for the nine months ended September 30, 2012.
(5) | Includes modifications of $1.4 million through payment deferrals for the nine months ended September 30, 2013, and modifications of $3.1 million through payment deferrals, $1.9 million through extensions of maturity and $338,000 through a reduction of principal or accrued interest for the nine months ended September 30, 2012.
(6) | Includes a modification of zero through a reduction of principal or accrued interest for the three months ended September 30, 2013, and a modification of $188,000 through a reduction of principal or accrued interest for the nine months ended September 30, 2012.
(7) | Includes modifications of $98,000 through payments deferrals and $130,000 through a reduction of principal or accrued interest for the nine months ended September 30, 2013, and modifications of $551,000 through payment deferrals and $449,000 through reductions of principal or accrued interest for the nine months ended September 30, 2012.
(8) | Includes modifications of $1.2 million through reductions of principal or accrued interest for the nine months ended September 30, 2013.
(9) | Includes a modification of $149,000 through a reduction of principal or accrued interest for the nine months ended September 30, 2013.
Troubled Debt Restructurings that Defaulted Subsequent to Modifications Occurring Within Previous Twelve Months, Disaggregated by Loan Class | The following table details troubled debt restructurings that defaulted subsequent to the modifications occurring within the previous twelve months, disaggregated by loan class, for the three and nine months ended September 30, 2013 and 2012, respectively:
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, 2013 |  |  | September 30, 2012 |  |  | September 30, 2013 |  |  | September 30, 2012 |
|  | Number of Loans |  |  | Recorded Investment |  |  | Number of Loans |  |  | Recorded Investment |  |  | Number of Loans |  |  | Recorded Investment |  |  | Number of Loans |  |  | Recorded Investment |
|  | (In thousands, except number of loans) |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Unsecured |  |  | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 171 |  |  |  | 1 |  |  | $ | 29 |  |  |  | 6 |  |  | $ | 431 |
Secured by real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 258 |
SBA loans |  |  | 1 |  |  |  | 130 |  |  |  | 6 |  |  |  | 272 |  |  |  | 1 |  |  |  | 130 |  |  |  | 6 |  |  |  | 272 |
Total |  |  | 1 |  |  | $ | 130 |  |  |  | 9 |  |  | $ | 443 |  |  |  | 2 |  |  | $ | 159 |  |  |  | 13 |  |  | $ | 961 |
Changes in Servicing Assets | The changes in servicing assets for the nine months ended September 30, 2013 and 2012 were as follows:
|  | Nine Months Ended September 30, |
|  | 2013 |  |  | 2012 |
|  | (In thousands) |
Balance at beginning of period |  | $ | 5,542 |  |  | $ | 3,720 |
Additions |  |  | 1,996 |  |  |  | 2,148 |
Amortization |  |  | (1,152 | ) |  |  | (720 | )
Balance at end of period |  | $ | 6,386 |  |  | $ | 5,148 |

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