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Loans | 3 Months Ended
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Mar. 31, 2014
Receivables [Abstract] |
Loans | Note 3 — Loans The Board of Directors and management review and approve the Bank’s loan policy and procedures on a regular basis to reflect issues such as regulatory and organizational structure changes, strategic planning revisions, concentrations of credit, loan delinquencies and non-performing loans, problem loans, and policy adjustments. Real estate loans are loans secured by liens or interest in real estate, to provide purchase, construction, and refinance on real estate properties. Commercial and industrial loans consist of commercial term loans, commercial lines of credit, and Small Business Administration (“SBA”) loans. Consumer loans consist of auto loans, credit cards, personal loans, and home equity lines of credit. We maintain management loan review and monitoring functions that review and monitor pass graded loans as well as problem loans to prevent further deterioration. The majority of the Bank’s loan portfolio consists of commercial real estate and commercial and industrial loans. The Bank has been diversifying and monitoring commercial real estate loans based on property types, tightening underwriting standards, and portfolio liquidity and management, and has not exceeded certain specified limits set forth in the Bank’s loan policy. Most of the Bank’s lending activity occurs within Southern California. Loans Receivable Loans receivable consisted of the following as of the dates indicated:
|  | March 31, 2014 |  |  | December 31, 2013 |
|  | (In thousands) |
Real estate loans: |  |  |  |  |  |  |  |
Commercial property (1) |  |  |  |  |  |  |  |
Retail |  | $ | 547,472 |  |  | $ | 543,619 |
Hotel/Motel |  |  | 331,971 |  |  |  | 322,927 |
Gas station |  |  | 286,919 |  |  |  | 292,557 |
Other |  |  | 751,122 |  |  |  | 731,617 |
Construction |  |  | 125 |  |  |  | — |
Residential property |  |  | 110,305 |  |  |  | 79,078 |
Total real estate loans |  |  | 2,027,914 |  |  |  | 1,969,798 |
Commercial and industrial loans: |  |  |  |  |  |  |  |
Commercial term |  |  | 116,903 |  |  |  | 124,391 |
Commercial lines of credit |  |  | 67,079 |  |  |  | 71,042 |
International loans |  |  | 35,120 |  |  |  | 36,353 |
Total commercial and industrial loans |  |  | 219,102 |  |  |  | 231,786 |
Consumer loans |  |  | 29,356 |  |  |  | 32,505 |
Total gross loans |  |  | 2,276,372 |  |  |  | 2,234,089 |
Allowance for loans losses |  |  | (56,593 | ) |  |  | (57,555 | )
Deferred loan costs |  |  | 1,741 |  |  |  | 964 |
Loans receivable, net |  | $ | 2,221,520 |  |  | $ | 2,177,498 |
(1) | Includes owner-occupied property loans of $958.4 million and $957.3 million as of March 31, 2014 and December 31, 2013, respectively.
Accrued interest on loans receivable was $5.3 million and $5.4 million at March 31, 2014 and December 31, 2013, respectively. At March 31, 2014 and December 31, 2013, loans receivable totaling $1.00 billion and $568.7 million, respectively, were pledged to secure advances from the FHLB and the Federal Reserve Bank’s (“FRB”) federal discount window. 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 March 31, 2014 and 2013:
|  | Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
|  | (In thousands) |
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Origination of loans held for sale |  |  | 6,269 |  |  |  | 85 |  |  |  | — |  |  |  | 6,354 |
Sales of loans held for sale |  |  | (5,874 | ) |  |  | (84 | ) |  |  | — |  |  |  | (5,958 | )
Principal payoffs and amortization |  |  | (5 | ) |  |  | (1 | ) |  |  | — |  |  |  | (6 | )
Balance at end of period |  | $ | 390 |  |  | $ | — |  |  | $ | — |  |  | $ | 390 |
March 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 7,977 |  |  | $ | 329 |  |  | $ | — |  |  | $ | 8,306 |
Origination of loans held for sale |  |  | 21,340 |  |  |  | 1,804 |  |  |  | — |  |  |  | 23,144 |
Reclassification from loans receivable to loans held for sale |  |  | 3,373 |  |  |  | — |  |  |  | — |  |  |  | 3,373 |
Sales of loans held for sale |  |  | (26,907 | ) |  |  | (1,858 | ) |  |  | — |  |  |  | (28,765 | )
Principal payoffs and amortization |  |  | (14 | ) |  |  | (1 | ) |  |  | — |  |  |  | (15 | )
Balance at end of period |  | $ | 5,769 |  |  | $ | 274 |  |  | $ | — |  |  | $ | 6,043 |
For the three months ended March 31, 2014, there was no reclassification of loans receivable as loans held for sale, and loans held for sale of $6.0 million were sold. For the three months ended March 31, 2013, loans receivable of $3.4 million were reclassified as loans held for sale, and loans held for sale of $28.8 million were sold. 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 Three Months Ended |
|  | March 31, 2014 |  |  | December 31, 2013 |  |  | March 31, 2013 |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 57,555 |  |  | $ | 57,639 |  |  | $ | 63,305 |
Charge-offs |  |  | (1,604 | ) |  |  | (738 | ) |  |  | (3,024 | )
Recoveries on loans previously charged off |  |  | 4,251 |  |  |  | 572 |  |  |  | 714 |
Net loan recoveries (charge-offs) |  |  | 2,647 |  |  |  | (166 | ) |  |  | (2,310 | )
(Negative provision) provision charged to operating expense |  |  | (3,609 | ) |  |  | 82 |  |  |  | 196 |
Balance at end of period |  | $ | 56,593 |  |  | $ | 57,555 |  |  | $ | 61,191 |
Allowance for off-balance sheet items: |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 1,248 |  |  | $ | 1,330 |  |  | $ | 1,824 |
Provision (negative provision) charged to operating expense |  |  | 309 |  |  |  | (82 | ) |  |  | (196 | )
Balance at end of period |  | $ | 1,557 |  |  | $ | 1,248 |  |  | $ | 1,628 |
The allowance for off-balance sheet items is maintained at a level believed to be sufficient to absorb estimated probable losses related to these unfunded credit facilities. The determination of the allowance adequacy is based on periodic evaluations of the unfunded credit facilities including an assessment of the probability of commitment usage, credit risk factors for loans outstanding to these same customers, and the terms and expiration dates of the unfunded credit facilities. As of March 31, 2014 and December 31, 2013, the allowance for off-balance sheet items amounted to $1.6 million and $1.2 million, respectively. Net adjustments to the allowance for off-balance sheet items are included in the provision for credit losses. The following table details the information on the allowance for loan losses by portfolio segment for the three months ended March 31, 2014 and March 31, 2013:
|  | Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Unallocated |  |  | Total |
|  | (In thousands) |
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 43,550 |  |  | $ | 11,287 |  |  | $ | 1,427 |  |  | $ | 1,291 |  |  | $ | 57,555 |
Charge-offs |  |  | (1,128 | ) |  |  | (422 | ) |  |  | (54 | ) |  |  | — |  |  |  | (1,604 | )
Recoveries on loans previously charged off |  |  | 2,918 |  |  |  | 1,321 |  |  |  | 12 |  |  |  | — |  |  |  | 4,251 |
(Negative provision) provision |  |  | (1,110 | ) |  |  | (1,761 | ) |  |  | (752 | ) |  |  | 14 |  |  |  | (3,609 | )
Ending balance |  | $ | 44,230 |  |  | $ | 10,425 |  |  | $ | 633 |  |  | $ | 1,305 |  |  | $ | 56,593 |
Ending balance: individually evaluated for impairment |  | $ | 1,029 |  |  | $ | 3,973 |  |  | $ | 117 |  |  | $ | — |  |  | $ | 5,119 |
Ending balance: collectively evaluated for impairment |  | $ | 43,201 |  |  | $ | 6,452 |  |  | $ | 516 |  |  | $ | 1,305 |  |  | $ | 51,474 |
Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 2,027,914 |  |  | $ | 219,102 |  |  | $ | 29,356 |  |  | $ | — |  |  | $ | 2,276,372 |
Ending balance: individually evaluated for impairment |  | $ | 34,294 |  |  | $ | 14,503 |  |  | $ | 1,553 |  |  | $ | — |  |  | $ | 50,350 |
Ending balance: collectively evaluated for impairment |  | $ | 1,993,620 |  |  | $ | 204,599 |  |  | $ | 27,803 |  |  | $ | — |  |  | $ | 2,226,022 |
March 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 49,472 |  |  | $ | 10,636 |  |  | $ | 2,280 |  |  | $ | 917 |  |  | $ | 63,305 |
Charge-offs |  |  | (1,285 | ) |  |  | (1,575 | ) |  |  | (164 | ) |  |  | — |  |  |  | (3,024 | )
Recoveries on loans previously charged off |  |  | 181 |  |  |  | 484 |  |  |  | 49 |  |  |  | — |  |  |  | 714 |
(Negative provision) provision |  |  | (2,040 | ) |  |  | 1,519 |  |  |  | (370 | ) |  |  | 1,087 |  |  |  | 196 |
Ending balance |  | $ | 46,328 |  |  | $ | 11,064 |  |  | $ | 1,795 |  |  | $ | 2,004 |  |  | $ | 61,191 |
Ending balance: individually evaluated for impairment |  | $ | 764 |  |  | $ | 3,719 |  |  | $ | 401 |  |  | $ | — |  |  | $ | 4,884 |
Ending balance: collectively evaluated for impairment |  | $ | 45,564 |  |  | $ | 7,345 |  |  | $ | 1,394 |  |  | $ | 2,004 |  |  | $ | 56,307 |
Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 1,882,445 |  |  | $ | 204,061 |  |  | $ | 35,180 |  |  | $ | — |  |  | $ | 2,121,686 |
Ending balance: individually evaluated for impairment |  | $ | 31,317 |  |  | $ | 16,695 |  |  | $ | 1,639 |  |  | $ | — |  |  | $ | 49,651 |
Ending balance: collectively evaluated for impairment |  | $ | 1,851,128 |  |  | $ | 187,366 |  |  | $ | 33,541 |  |  | $ | — |  |  | $ | 2,072,035 |
Credit Quality Indicators As part of the on-going monitoring of the credit quality of our loan portfolio, we utilize an internal loan grading system to identify credit risk and assign an appropriate grade (from (0) to (8)) for each and every loan in our loan portfolio. A third party loan review is required on an annual basis. Additional adjustments are made when determined to be necessary. The loan grade definitions are as follows: Pass and Pass-Watch: Pass and Pass-Watch loans, grades (0-4), are in compliance in all respects with the Bank’s credit policy and regulatory requirements, and do not exhibit any potential or defined weaknesses as defined under “Special Mention,” “Substandard” or “Doubtful.” This category is the strongest level of the Bank’s loan grading system. It incorporates all performing loans with no credit weaknesses. It includes cash and stock/security secured loans or other investment grade loans. Special Mention: A Special Mention credit, grade (5), has potential weaknesses that deserve management’s close attention. If not corrected, these potential weaknesses may result in deterioration of the repayment of the debt and result in a Substandard classification. Loans that have significant actual, not potential, weaknesses are considered more severely classified. Substandard: A Substandard credit, grade (6), has a well-defined weakness that jeopardizes the liquidation of the debt. A credit graded Substandard is not protected by the sound worth and paying capacity of the borrower, or of the value and type of collateral pledged. With a Substandard loan, there is a distinct possibility that the Bank will sustain some loss if the weaknesses or deficiencies are not corrected. Doubtful: A Doubtful credit, grade (7), is one that has critical weaknesses that would make the collection or liquidation of the full amount due improbable. However, there may be pending events which may work to strengthen the credit, and therefore the amount or timing of a possible loss cannot be determined at the current time. Loss: A loan classified as Loss, grade (8), is considered uncollectible and of such little value that their continuance as active bank assets is not warranted. This classification does not mean that the loan has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset even though partial recovery may be possible in the future. Loans classified as Loss will be charged off in a timely manner. As of March 31, 2014 and December 31, 2013, Pass/Pass-Watch (grade 0-4), criticized (grade 5) and classified (grade 6-7) loans, disaggregated by loan class, were as follows:
|  | Pass/ Pass-Watch (Grade 0-4) |  |  | Criticized (Grade 5) |  |  | Classified (Grade 6-7) |  |  | Total Loans |
|  | (In thousands) |
March 31, 2014 |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 534,305 |  |  | $ | 7,328 |  |  | $ | 5,839 |  |  | $ | 547,472 |
Hotel/Motel |  |  | 322,087 |  |  |  | 3,960 |  |  |  | 5,924 |  |  |  | 331,971 |
Gas station |  |  | 279,137 |  |  |  | 115 |  |  |  | 7,667 |  |  |  | 286,919 |
Other |  |  | 726,569 |  |  |  | 7,983 |  |  |  | 16,570 |  |  |  | 751,122 |
Construction |  |  | 125 |  |  |  | — |  |  |  | — |  |  |  | 125 |
Residential property |  |  | 108,837 |  |  |  | — |  |  |  | 1,468 |  |  |  | 110,305 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 102,243 |  |  |  | 2,207 |  |  |  | 12,453 |  |  |  | 116,903 |
Commercial lines of credit |  |  | 66,111 |  |  |  | — |  |  |  | 968 |  |  |  | 67,079 |
International loans |  |  | 34,540 |  |  |  | 580 |  |  |  | — |  |  |  | 35,120 |
Consumer loans |  |  | 27,242 |  |  |  | 157 |  |  |  | 1,957 |  |  |  | 29,356 |
Total gross loans |  | $ | 2,201,196 |  |  | $ | 22,330 |  |  | $ | 52,846 |  |  | $ | 2,276,372 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 531,014 |  |  | $ | 5,309 |  |  | $ | 7,296 |  |  | $ | 543,619 |
Hotel/Motel |  |  | 308,483 |  |  |  | 1,796 |  |  |  | 12,648 |  |  |  | 322,927 |
Gas station |  |  | 279,636 |  |  |  | 3,104 |  |  |  | 9,817 |  |  |  | 292,557 |
Other |  |  | 690,481 |  |  |  | 8,524 |  |  |  | 32,612 |  |  |  | 731,617 |
Residential property |  |  | 77,422 |  |  |  | — |  |  |  | 1,656 |  |  |  | 79,078 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 107,712 |  |  |  | 2,007 |  |  |  | 14,672 |  |  |  | 124,391 |
Commercial lines of credit |  |  | 69,823 |  |  |  | — |  |  |  | 1,219 |  |  |  | 71,042 |
International loans |  |  | 35,777 |  |  |  | 576 |  |  |  | — |  |  |  | 36,353 |
Consumer loans |  |  | 30,044 |  |  |  | 163 |  |  |  | 2,298 |  |  |  | 32,505 |
Total gross loans |  | $ | 2,130,392 |  |  | $ | 21,479 |  |  | $ | 82,218 |  |  | $ | 2,234,089 |
The following is an aging analysis of past due loans, disaggregated by loan class, as of March 31, 2014 and December 31, 2013:
|  | 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) |
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 795 |  |  | $ | — |  |  | $ | 2,583 |  |  | $ | 3,378 |  |  | $ | 544,094 |  |  | $ | 547,472 |  |  | $ | — |
Hotel/Motel |  |  | 1,326 |  |  |  | — |  |  |  | 1,288 |  |  |  | 2,614 |  |  |  | 329,357 |  |  |  | 331,971 |  |  |  | — |
Gas station |  |  | 700 |  |  |  | — |  |  |  | 381 |  |  |  | 1,081 |  |  |  | 285,838 |  |  |  | 286,919 |  |  |  | — |
Other |  |  | 1,873 |  |  |  | — |  |  |  | 1,805 |  |  |  | 3,678 |  |  |  | 747,444 |  |  |  | 751,122 |  |  |  | — |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 125 |  |  |  | 125 |  |  |  | — |
Residential property |  |  | 813 |  |  |  | — |  |  |  | 114 |  |  |  | 927 |  |  |  | 109,378 |  |  |  | 110,305 |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 2,035 |  |  |  | 123 |  |  |  | 3,798 |  |  |  | 5,956 |  |  |  | 110,947 |  |  |  | 116,903 |  |  |  | — |
Commercial lines of credit |  |  | 192 |  |  |  | — |  |  |  | 146 |  |  |  | 338 |  |  |  | 66,741 |  |  |  | 67,079 |  |  |  | — |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 35,120 |  |  |  | 35,120 |  |  |  | — |
Consumer loans |  |  | 540 |  |  |  | 18 |  |  |  | 227 |  |  |  | 785 |  |  |  | 28,571 |  |  |  | 29,356 |  |  |  | — |
Total gross loans |  | $ | 8,274 |  |  | $ | 141 |  |  | $ | 10,342 |  |  | $ | 18,757 |  |  | $ | 2,257,615 |  |  | $ | 2,276,372 |  |  | $ | — |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 202 |  |  | $ | 426 |  |  | $ | 2,196 |  |  | $ | 2,825 |  |  | $ | 540,794 |  |  | $ | 543,619 |  |  | $ | — |
Hotel/Motel |  |  | 1,087 |  |  |  | — |  |  |  | 1,532 |  |  |  | 2,619 |  |  |  | 320,308 |  |  |  | 322,927 |  |  |  | — |
Gas station |  |  | 141 |  |  |  | 410 |  |  |  | 153 |  |  |  | 704 |  |  |  | 291,853 |  |  |  | 292,557 |  |  |  | — |
Other |  |  | 423 |  |  |  | 2,036 |  |  |  | 839 |  |  |  | 3,297 |  |  |  | 728,320 |  |  |  | 731,617 |  |  |  | — |
Residential property |  |  | — |  |  |  | 122 |  |  |  | 279 |  |  |  | 401 |  |  |  | 78,677 |  |  |  | 79,078 |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 1,443 |  |  |  | 886 |  |  |  | 3,269 |  |  |  | 5,598 |  |  |  | 118,793 |  |  |  | 124,391 |  |  |  | — |
Commercial lines of credit |  |  | — |  |  |  | 150 |  |  |  | 250 |  |  |  | 400 |  |  |  | 70,642 |  |  |  | 71,042 |  |  |  | — |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 36,353 |  |  |  | 36,353 |  |  |  | — |
Consumer loans |  |  | 311 |  |  |  | 42 |  |  |  | 77 |  |  |  | 430 |  |  |  | 32,075 |  |  |  | 32,505 |  |  |  | — |
Total gross loans |  | $ | 3,607 |  |  | $ | 4,072 |  |  | $ | 8,595 |  |  | $ | 16,274 |  |  | $ | 2,217,815 |  |  | $ | 2,234,089 |  |  | $ | — |
Impaired Loans Loans are considered impaired when non-accrual and principal or interest payments have been contractually past due for 90 days or more, unless the loan is both well-collateralized and in the process of collection; or they are classified as Troubled Debt Restructuring (“TDR”) loans to offer terms not typically granted by the Bank; or when current information or events make it unlikely to collect in full according to the contractual terms of the loan agreements; or there is a deterioration in the borrower’s financial condition that raises uncertainty as to timely collection of either principal or interest; or full payment of both interest and principal is in doubt according to the original contractual terms. We evaluate loan impairment in accordance with applicable GAAP. Impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or, as a practical expedient, at the loan’s observable market price or the fair value of the collateral if the loan is collateral dependent, less costs to sell. If the measure of the impaired loan is less than the recorded investment in the loan, the deficiency will be charged off against the allowance for loan losses or, alternatively, a specific allocation will be established. Additionally, loans that are considered impaired are specifically excluded from the quarterly migration analysis when determining the amount of the allowance for loan losses required for the period. The allowance for collateral-dependent loans is determined by calculating the difference between the outstanding loan balance and the value of the collateral as determined by recent appraisals. The allowance for collateral-dependent loans varies from loan to loan based on the collateral coverage of the loan at the time of designation as non-performing. We continue to monitor the collateral coverage, using recent appraisals, on these loans on a quarterly basis and adjust the allowance accordingly. 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 |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (In thousands) |
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 7,278 |  |  | $ | 7,398 |  |  | $ | 4,620 |  |  | $ | 2,658 |  |  | $ | 396 |  |  | $ | 7,304 |  |  | $ | 71 |
Hotel/Motel |  |  | 3,510 |  |  |  | 4,136 |  |  |  | 2,992 |  |  |  | 518 |  |  |  | 59 |  |  |  | 3,531 |  |  |  | 49 |
Gas station |  |  | 9,421 |  |  |  | 9,960 |  |  |  | 8,801 |  |  |  | 620 |  |  |  | 218 |  |  |  | 9,455 |  |  |  | 188 |
Other |  |  | 11,544 |  |  |  | 12,893 |  |  |  | 8,314 |  |  |  | 3,230 |  |  |  | 355 |  |  |  | 11,624 |  |  |  | 223 |
Residential property |  |  | 2,540 |  |  |  | 2,648 |  |  |  | 2,540 |  |  |  | — |  |  |  | — |  |  |  | 2,552 |  |  |  | 27 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 12,658 |  |  |  | 13,136 |  |  |  | 2,642 |  |  |  | 10,016 |  |  |  | 3,917 |  |  |  | 12,819 |  |  |  | 177 |
Commercial lines of credit |  |  | 733 |  |  |  | 815 |  |  |  | 733 |  |  |  | — |  |  |  | — |  |  |  | 745 |  |  |  | 14 |
International loans |  |  | 1,113 |  |  |  | 1,113 |  |  |  | 522 |  |  |  | 591 |  |  |  | 57 |  |  |  | 1,130 |  |  |  | — |
Consumer loans |  |  | 1,553 |  |  |  | 1,670 |  |  |  | 637 |  |  |  | 916 |  |  |  | 117 |  |  |  | 1,558 |  |  |  | 15 |
Total gross loans |  | $ | 50,350 |  |  | $ | 53,769 |  |  | $ | 31,801 |  |  | $ | 18,549 |  |  | $ | 5,119 |  |  | $ | 50,718 |  |  | $ | 764 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | 6,244 |  |  | $ | 6,332 |  |  | $ | 3,767 |  |  | $ | 2,477 |  |  | $ | 305 |  |  | $ | 4,342 |  |  | $ | 166 |
Hotel/Motel |  |  | 6,200 |  |  |  | 6,940 |  |  |  | 4,668 |  |  |  | 1,532 |  |  |  | 1,183 |  |  |  | 5,125 |  |  |  | 530 |
Gas station |  |  | 9,389 |  |  |  | 9,884 |  |  |  | 8,592 |  |  |  | 797 |  |  |  | 209 |  |  |  | 8,939 |  |  |  | 756 |
Other |  |  | 11,451 |  |  |  | 12,882 |  |  |  | 9,555 |  |  |  | 1,896 |  |  |  | 351 |  |  |  | 10,014 |  |  |  | 1,047 |
Residential property |  |  | 2,678 |  |  |  | 2,773 |  |  |  | 2,678 |  |  |  | — |  |  |  | — |  |  |  | 2,941 |  |  |  | 117 |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 13,834 |  |  |  | 14,308 |  |  |  | 2,929 |  |  |  | 10,905 |  |  |  | 3,806 |  |  |  | 13,083 |  |  |  | 968 |
Commercial lines of credit |  |  | 614 |  |  |  | 686 |  |  |  | 173 |  |  |  | 441 |  |  |  | 252 |  |  |  | 1,008 |  |  |  | 54 |
International loans |  |  | 1,087 |  |  |  | 1,087 |  |  |  | 286 |  |  |  | 801 |  |  |  | 78 |  |  |  | 1,284 |  |  |  | — |
Consumer loans |  |  | 1,569 |  |  |  | 1,671 |  |  |  | 644 |  |  |  | 925 |  |  |  | 284 |  |  |  | 1,612 |  |  |  | 71 |
Total gross loans |  | $ | 53,066 |  |  | $ | 56,563 |  |  | $ | 33,292 |  |  | $ | 19,774 |  |  | $ | 6,468 |  |  | $ | 48,348 |  |  | $ | 3,709 |
The following is a summary of interest foregone on impaired loans for the periods indicated:
|  | Three Months Ended |
|  | March 31, 2014 |  |  | March 31, 2013 |
|  | (In thousands) |
Interest income that would have been recognized had impaired loans performed in accordance with their original terms |  | $ | 1,213 |  |  | $ | 1,068 |
Less: Interest income recognized on impaired loans |  |  | (764 | ) |  |  | (896 | )
Interest foregone on impaired loans |  | $ | 449 |  |  | $ | 172 |
There were no commitments to lend additional funds to borrowers whose loans are included above. Non-Accrual Loans Loans are placed on non-accrual status when, in the opinion of management, the full timely collection of principal or interest is in doubt. Generally, the accrual of interest is discontinued when principal or interest payments become more than 90 days past due, unless management believes the loan is adequately collateralized and in the process of collection. However, in certain instances, we may place a particular loan on non-accrual status earlier, depending upon the individual circumstances surrounding the loan’s delinquency. When a loan is placed on non-accrual status, previously accrued but unpaid interest is reversed against current income. Subsequent collections of cash are applied as principal reductions when received, except when the ultimate collectability of principal is probable, in which case interest payments are credited to income. Non-accrual loans may be restored to accrual status when principal and interest payments become current and full repayment is expected. The following table details non-accrual loans, disaggregated by loan class, as of the dates indicated:
|  | March 31, 2014 |  |  | December 31, 2013 |
|  | (In thousands) |
Real estate loans: |  |  |  |
Commercial property |  |  |  |  |  |  |  |
Retail |  | $ | 3,507 |  |  | $ | 2,946 |
Hotel/Motel |  |  | 2,510 |  |  |  | 5,200 |
Gas station |  |  | 2,560 |  |  |  | 2,492 |
Other |  |  | 5,008 |  |  |  | 4,808 |
Residential property |  |  | 1,180 |  |  |  | 1,365 |
Commercial and industrial loans: |  |  |  |  |  |  |  |
Commercial term |  |  | 8,092 |  |  |  | 7,146 |
Commercial lines of credit |  |  | 546 |  |  |  | 423 |
Consumer loans |  |  | 1,631 |  |  |  | 1,497 |
Total non-accrual loans |  | $ | 25,034 |  |  | $ | 25,877 |
The following table details non-performing assets as of the dates indicated:
|  | March 31, 2014 |  |  | December 31, 2013 |
|  | (In thousands) |
Non-accrual loans |  | $ | 25,034 |  |  | $ | 25,877 |
Loans 90 days or more past due and still accruing |  |  | — |  |  |  | — |
Total non-performing loans |  |  | 25,034 |  |  |  | 25,877 |
Other real estate owned |  |  | — |  |  |  | 756 |
Total non-performing assets |  | $ | 25,034 |  |  | $ | 26,633 |
Loans on non-accrual status, excluding loans held for sale, totaled $25.0 million as of March 31, 2014, compared to $25.9 million as of December 31, 2013, representing a 3.3 percent decrease. Delinquent loans (defined as 30 days or more past due), excluding loans held for sale, were $18.8 million as of March 31, 2014, compared to $16.3 million as of December 31, 2013, representing a 15.3 percent increase. As of March 31, 2014, there was no other real estate owned (“OREO”). As of December 31, 2013, there were three OREOs located in Washington and California with a combined carrying value of $756,000 and a valuation adjustment of $56,000. Troubled Debt Restructuring In April 2011, the FASB issued ASU 2011-02, “A Creditor’s Determination of Whether a Restructuring is a Troubled Debt Restructuring,” which clarifies the guidance for evaluating whether a restructuring constitutes a TDR. This guidance is effective for the first interim or annual period beginning on or after June 15, 2011, and should be applied retrospectively to the beginning of the annual period of adoption. For the purposes of measuring impairment of loans that are newly considered impaired, the guidance should be applied prospectively for the first interim or annual period beginning on or after June 15, 2011. As a result of the amendments in ASU 2011-02, we reassessed all restructurings that occurred on or after the beginning of the annual period and identified certain receivables as TDRs. Upon identifying those receivables as TDRs, we considered them impaired and applied the impairment measurement guidance prospectively for those receivables newly identified as impaired. The following table details troubled debt restructurings, disaggregated by concession type and by loan type, as of March 31, 2014 and December 31, 2013:
|  | 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) |
March 31, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 732 |  |  | $ | 732 |  |  | $ | 310 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 310 |
Hotel/Motel |  |  | 1,243 |  |  |  | 749 |  |  |  | — |  |  |  | — |  |  |  | 1,992 |  |  |  | 1,000 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,000 |
Gas station |  |  | 1,256 |  |  |  | — |  |  |  | 716 |  |  |  | — |  |  |  | 1,972 |  |  |  | 364 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 364 |
Other |  |  | 393 |  |  |  | 1,251 |  |  |  | 528 |  |  |  | — |  |  |  | 2,172 |  |  |  | 3,358 |  |  |  | — |  |  |  | 803 |  |  |  | 2,020 |  |  |  | 6,181 |
Residential property |  |  | 782 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 782 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 766 |  |  |  | 497 |  |  |  | 1,281 |  |  |  | 482 |  |  |  | 3,026 |  |  |  | 136 |  |  |  | 199 |  |  |  | 2,340 |  |  |  | 2,918 |  |  |  | 5,593 |
Commercial lines of credit |  |  | 242 |  |  |  | — |  |  |  | — |  |  |  | 158 |  |  |  | 400 |  |  |  | — |  |  |  | — |  |  |  | 187 |  |  |  | — |  |  |  | 187 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 149 |  |  |  | — |  |  |  | 149 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 4,682 |  |  | $ | 2,497 |  |  | $ | 2,674 |  |  | $ | 1,372 |  |  | $ | 11,225 |  |  | $ | 5,168 |  |  | $ | 199 |  |  | $ | 3,330 |  |  | $ | 4,938 |  |  | $ | 13,635 |
December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 750 |  |  | $ | 750 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 474 |  |  | $ | 474 |
Hotel/Motel |  |  | 1,272 |  |  |  | 758 |  |  |  | — |  |  |  | — |  |  |  | 2,030 |  |  |  | 1,000 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,000 |
Gas station |  |  | 1,291 |  |  |  | — |  |  |  | 729 |  |  |  | — |  |  |  | 2,020 |  |  |  | 365 |  |  |  | — |  |  |  | — |  |  |  | 2,609 |  |  |  | 2,974 |
Other |  |  | 403 |  |  |  | 1,279 |  |  |  | 555 |  |  |  | — |  |  |  | 2,237 |  |  |  | 2,956 |  |  |  | — |  |  |  | 1,253 |  |  |  | 2,027 |  |  |  | 6,236 |
Residential property |  |  | 795 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 795 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 25 |  |  |  | 206 |  |  |  | 1,449 |  |  |  | 851 |  |  |  | 2,531 |  |  |  | 1,203 |  |  |  | — |  |  |  | 2,286 |  |  |  | 3,817 |  |  |  | 7,306 |
Commercial lines of credit |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 173 |  |  |  | 173 |  |  |  | — |  |  |  | — |  |  |  | 191 |  |  |  | — |  |  |  | 191 |
International loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,087 |  |  |  | — |  |  |  | 1,087 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 149 |  |  |  | — |  |  |  | 149 |
Total |  | $ | 3,786 |  |  | $ | 2,243 |  |  | $ | 2,733 |  |  | $ | 1,774 |  |  | $ | 10,536 |  |  | $ | 5,524 |  |  | $ | — |  |  | $ | 4,966 |  |  | $ | 8,927 |  |  | $ | 19,417 |
As of March 31, 2014 and December 31, 2013, total TDRs, excluding loans held for sale, were $24.9 million and $30.0 million, respectively. A debt restructuring is considered a TDR if we grant a concession that we would not have otherwise considered to the borrower, for economic or legal reasons related to the borrower’s financial difficulties. Loans are considered to be TDRs if they were restructured through payment structure modifications such as reducing the amount of principal and interest due monthly and/or allowing for interest only monthly payments for six months or less. All TDRs are impaired and are individually evaluated for specific impairment using one of these three criteria: (1) the present value of expected future cash flows discounted at the loan’s effective interest rate; (2) the loan’s observable market price; or (3) the fair value of the collateral if the loan is collateral dependent. At March 31, 2014 and December 31, 2013, TDRs, excluding loans held for sale, were subjected to specific impairment analysis, and $2.7 million and $2.8 million, respectively, of reserves relating to these loans were included in the allowance for loan losses. The following table details troubled debt restructurings, disaggregated by loan class, for the three months ended March 31, 2014 and 2013:
|  | March 31, 2014 |  |  | March 31, 2013 |
|  | 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other (1) |  |  | 1 |  |  | $ | 943 |  |  | $ | 943 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term (2) |  |  | 5 |  |  |  | 829 |  |  |  | 788 |  |  |  | 2 |  |  |  | 205 |  |  |  | 205 |
Commercial lines of credit (3) |  |  | 1 |  |  |  | 250 |  |  |  | 242 |  |  |  | — |  |  |  | — |  |  |  | — |
International loans (4) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 1,584 |  |  |  | 1,430 |
Total |  |  | 7 |  |  | $ | 2,022 |  |  | $ | 1,973 |  |  |  | 4 |  |  | $ | 1,789 |  |  | $ | 1,635 |
(1) | Includes a modification of $943,000 through a payment deferral for the three months ended March 31, 2014.
(2) | Includes modifications of $491,000 through a payment deferral, $107,000 through reductions of principal or accrued interest and $190,000 through an extension of maturity for the three months ended March 31, 2014, and modifications of $7,000 through a payment deferral and $198,000 through an extension of maturity for the three months ended March 31, 2013.
(3) | Includes a modification of $242,000 through a payment deferral for the three months ended March 31, 2014.
(4) | Includes modifications of $1.4 million through reductions of principal or accrued interest for the three months ended March 31, 2013.
During the three months ended March 31, 2014, we restructured monthly payments on seven loans, with a net carrying value of $2.0 million as of March 31, 2014, through temporary payment structure modifications or re-amortization. For the restructured loans on accrual status, we determined that, based on the financial capabilities of the borrowers at the time of the loan restructuring and the borrowers’ past performance in the payment of debt service under the previous loan terms, performance and collection under the revised terms are probable. 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 months ended March 31, 2014 and 2013, respectively:
|  | Three Months Ended |
|  | March 31, 2014 |  |  | March 31, 2013 |
|  | Number of Loans |  |  | Recorded Investment |  |  | Number of Loans |  |  | Recorded Investment |
|  | (In thousands, except number of loans) |
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial property |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Retail |  |  | 1 |  |  | $ | 310 |  |  |  | — |  |  | $ | — |
Hotel/Motel |  |  | 1 |  |  |  | 1,000 |  |  |  | — |  |  |  | — |
Gas station |  |  | 1 |  |  |  | 87 |  |  |  | 1 |  |  |  | 1,306 |
Other |  |  | 2 |  |  |  | 481 |  |  |  | — |  |  |  | — |
Commercial and industrial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial term |  |  | 1 |  |  |  | 53 |  |  |  | 8 |  |  |  | 762 |
Commercial lines of credit |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 188 |
Consumer Loans |  |  | 1 |  |  |  | 149 |  |  |  | — |  |  |  | — |
Total |  |  | 7 |  |  | $ | 2,080 |  |  |  | 10 |  |  | $ | 2,256 |
Servicing Assets The changes in servicing assets for the three months ended March 31, 2014 and 2013 were as follows:
|  | Three Months Ended March 31, |
|  | 2014 |  |  | 2013 |
|  | (In thousands) |
Balance at beginning of period |  | $ | 6,833 |  |  | $ | 5,542 |
Additions |  |  | 200 |  |  |  | 791 |
Amortization |  |  | (474 | ) |  |  | (329 | )
Balance at end of period |  | $ | 6,559 |  |  | $ | 6,004 |
At March 31, 2014 and 2013, we serviced loans sold to unaffiliated parties in the amounts of $340.5 million and $316.2 million, respectively. These represented loans that have been sold for which the Bank continues to provide servicing. These loans are maintained off balance sheet and are not included in the loans receivable balance. All of the loans being serviced were SBA loans.

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