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1169770_14_item7_p31_s2 | 1169770_13_item7_p3_s2 | PacTrust Bank solicits deposits in PacTrust Bank s market area and, to a lesser extent, from institutional depositors nationwide, and in the past has accepted brokered deposits. | The Bank solicits deposits in its market area and, to a lesser extent, from institutional depositors nationwide, and in the past has accepted brokered deposits. | 2 | [
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1169770_14_item7_p102_s2 | 1169770_13_item7_p64_s2 | Once a loan meets this criterion, the Company will obtain updated drive by or full appraisals in order to confirm the AVM valuation. | Once a loan meets this criterion, the Company will obtain updated drive by or full appraisals in order to confirm the valuation. | 2 | [
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1169770_14_item7_p103_s1 | 1169770_13_item7_p64_s6 | The borrowers may be contacted as necessary to discuss material changes in loan performance or statistics The Company s risk management policy and credit monitoring includes reviewing delinquency, FICO scores, and collateral values on the non-traditional mortgage loan portfolio. | The Company s risk management policy and credit monitoring includes reviewing delinquency, FICO scores, and collateral values on the non-traditional mortgage loan portfolio. | 2 | [
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1169770_14_item7_p108_s0 | 1169770_13_item7_p68_s1 | If the line has been suspended and the borrower would like to have their credit privileges reinstated, they would need to provide updated financials showing their ability to meet their payment obligations. | the borrower would like to have their credit privileges reinstated, they would need to provide updated financials showing their ability to meet their payment obligations. | 2 | [
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1169770_14_item7_p109_s1 | 1169770_13_item7_p71_s0 | and non-traditional mortgage loan are more dependent on the borrower s continued financial stability and, thus, are more likely to be adversely affected by job loss, divorce, illness, or personal bankruptcy. | In these cases, any repossessed collateral for a consumer and non-traditional mortgage loan are more dependent on the borrower s continued financial stability and, thus, are more likely to be adversely affected by job loss, divorce, illness, or personal bankruptcy. | 2 | [
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1169770_14_item7_p75_s1 | 1169770_13_item7_p9_s0 | The following table presents the Gateway balance sheet presented at fair value as of the acquisition date, August 18, 2012: Acquisitions of Credit Impaired Loans During the course of 2012, the Company completed three bulk acquisitions with unpaid principal balances and fair values of $114.8 million and $66.7 million at... | During the course of 2012, the Company completed three seasoned SFR loan acquisitions with unpaid principal balances and fair values of $114.8 million and $66.7 million at the respective acquisition dates. | 2 | [
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1169770_15_item7_p3_s0 | 1169770_14_item7_p0_s0 | and Equity Securities, investment securities must be classified as held-to-maturity, available-for-sale or trading. | Securities Under FASB Codification Topic 320 (ASC 320), Investments-Debt and Equity Securities, investment securities must be classified as held-to-maturity, available-for-sale or trading. | 2 | [
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1169770_15_item7_p120_s2 | 1169770_14_item7_p102_s2 | Once a loan meets this criterion, the Company will obtain updated drive by or full appraisals in order to confirm the valuation. | Once a loan has been identified that may have experienced collateral deterioration, the Company will obtain updated drive by or full appraisals in order to confirm the valuation. | 2 | [
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1169770_15_item7_p125_s1 | 1169770_14_item7_p108_s0 | the borrower would like to have their credit privileges reinstated, they would need to provide updated financials showing their ability to meet their payment obligations. | If the line has been suspended and the borrower would like to have their credit privileges reinstated, they would need to provide updated financials showing their ability to meet their payment obligations. | 2 | [
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1169770_15_item7_p125_s2 | 1169770_14_item7_p108_s1 | From the most recent bi-annual review completed in the fourth quarter of 2013, the Company did not free or reduce any additional commitments. | From the most recent review completed in the fourth quarter of 2014, the Company did not freeze or reduce any additional commitments. | 2 | [
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1169770_15_item7_p126_s0 | 1169770_14_item7_p109_s0 | Consumer and non-traditional mortgage loans may entail greater risk than do traditional one-to-four family residential mortgage loans, particularly in the case of consumer loans that are secured by rapidly depreciable assets, such as automobiles and recreational vehicles. | Consumer and non-traditional mortgage loans may entail greater risk than do traditional SFR mortgage loans, particularly in the case of consumer loans that are secured by rapidly depreciable assets, such as automobiles and recreational vehicles. | 2 | [
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1169770_15_item7_p128_s4 | 1169770_14_item7_p109_s3 | Asset Quality Past Due Loans and leases The following table presents a summary of loans and leases, excluding PCI loans, that were past due at least 30 days but less than 90 days past due as of the dates indicated: | The following table presents a summary of NTM loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_15_item7_p130_s0 | 1169770_14_item7_p109_s3 | Asset Quality Past Due Loans and leases The following table presents a summary of loans and leases, excluding PCI loans, that were past due at least 30 days but less than 90 days past due as of the dates indicated: | The following table presents a summary of PCI loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_15_item7_p128_s4 | 1169770_14_item7_p112_s2 | The following table presents a summary of PCI loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: The PCI loans that were past due at least at least 30 days but less than 90 days past due increased $26.6 million to $30.5 million as December 31, 2013 from $3.9 million at D... | The following table presents a summary of NTM loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_15_item7_p134_s0 | 1169770_14_item7_p117_s0 | The following table presents a summary of non-accrual NTM loans as of the dates indicated: | The following table presents a summary of non-performing assets as of the dates indicated: | 2 | [
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1169770_15_item7_p148_s1 | 1169770_14_item7_p128_s1 | The Company acquired PBOC during 2013 and Beach and Gateway during 2012, and their loans and leases are treated under ASC 805, accounting for acquisitions. | The Company acquired the BPNA branches in 2014, PBOC in 2013, and Beach and Gateway in 2012, and their loans and leases are treated under ASC 805, accounting for acquisitions. | 2 | [
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1169770_15_item7_p155_s3 | 1169770_14_item7_p136_s0 | more than 45 percent of total assets, with an operating target of less than 20 percent of total assets. | The Bank has an asset/liability management policy that limits brokered deposit balances to no more than 45 percent of total assets, with an operating target of less than 20 percent of total assets. | 2 | [
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1169770_15_item7_p156_s0 | 1169770_14_item7_p136_s2 | The following table presents the scheduled maturities of time deposits as of December 31, 2013: | The following table presents the scheduled maturities of certificates of deposit as of December 31, 2014 : | 2 | [
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1169770_15_item7_p157_s1 | 1169770_14_item7_p137_s1 | The $175.0 million increase was used as a source of funding for the origination of loans for sale in the secondary market and for providing duration specific short-term and medium-term financing and providing additional liquidity to subsidize the liquidity short-fall from sales of branches that included $464.3 million ... | The $383.0 million increase was used as a source of funding for the origination of loans for sale in the secondary market and for providing duration specific short-term and medium-term financing. | 2 | [
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1169770_15_item7_p157_s6 | 1169770_14_item7_p138_s4 | The contractual maturities by year of the Bank s advances were as follows at year end: Each advance is payable at its maturity date. | The contractual maturities by year of the Bank s advances were as follows at December 31, 2014 : | 2 | [
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1169770_15_item7_p159_s0 | 1169770_14_item7_p140_s0 | The following table presents financial data of FHLB advances: Long Term Debt On April 23, 2012, the Company completed the public offering of $33.0 million aggregate principal amount of its 7.50 percent Senior Notes due April 15, 2020 at a price to the public of $25.00 per Senior Note. | Long Term Debt Senior Notes On April 23, 2012, the Company completed the public offering of $33.0 million aggregate principal amount of its 7.50 percent Senior Notes due April 15, 2020 (the Senior Notes) at a price to the public of $25.00 per Senior Note. | 2 | [
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1169770_15_item7_p165_s1 | 1169770_14_item7_p144_s1 | This reserve relates to our single family mortgage business. | This reserve relates to our SFR mortgage business. | 2 | [
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1169770_15_item7_p168_s3 | 1169770_14_item7_p147_s3 | The representation and warranty reserve takes into account both our estimate of expected losses on loans sold during the current accounting period, as well as adjustments to our previous estimates of expected losses on loans sold. | The reserve takes into account both our estimate of expected losses on loans sold during the current accounting period, as well as adjustments to our previous estimates of expected losses on loans sold. | 2 | [
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1169770_15_item7_p37_s0 | 1169770_14_item7_p25_s0 | This overview of management s discussion and analysis highlights selected information in the financial results of the Company and may not contain all of the information that is important to you. | This overview of management s discussion and analysis highlights selected information in the financial results of the Company. | 2 | [
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1169770_15_item7_p54_s2 | 1169770_14_item7_p41_s11 | The increase in average balance was mainly due to acquired interest-bearing deposits of $325.8 million from the PBOC acquisition and $1.37 billion of deposits generated through strategic plans aiming to increase core deposits by launching interest-bearing core deposit products with enhanced features to attract high net... | The increase in average balance was mainly due to interest-bearing deposits of $924.5 million assumed in the BPNA Branch Acquisition and $1.65 billion of deposits generated through strategic plans aiming to increase core deposits by launching interest-bearing core deposit products with enhanced features to attract high... | 2 | [
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1169770_15_item7_p147_s0 | 1169770_14_item7_p42_s0 | Provision for Loan and Lease Losses The Company maintains an allowance for loan and lease losses to absorb probable expected losses presently inherent in the loan and lease portfolio. | Allowance for Loan and Lease Losses The Company maintains an allowance for loan and lease losses (ALLL) to absorb probable incurred losses inherent in the loan and lease portfolio at the balance sheet date. | 2 | [
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1169770_15_item7_p147_s1 | 1169770_14_item7_p42_s1 | The allowance is based on ongoing assessments of the estimated probable losses presently inherent in the loan and lease portfolio. | The ALLL is based on ongoing assessment of the estimated probable losses presently inherent in the loan portfolio. | 2 | [
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1169770_15_item7_p147_s2 | 1169770_14_item7_p42_s2 | In evaluating the level of the allowance for loan and lease losses, management considers the types of loans and leases and the amount of loans and leases in the loan portfolio, peer group information, historical loss experience, adverse situations that may affect the borrower s ability to repay, estimated value of any ... | In evaluating the level of the ALLL, management considers the types of loans and leases and the amount of loans and leases in the portfolio, peer group information, historical loss experience, adverse situations that may affect the borrower s ability to repay, estimated value of any underlying collateral, and prevailin... | 2 | [
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1169770_15_item7_p148_s0 | 1169770_14_item7_p44_s0 | The Company evaluates all impaired loans and leases individually, primarily through the evaluation of cash flows or collateral values. | The Company evaluates all impaired loans and leases individually using guidance from ASC 310 primarily through the evaluation of cash flows or collateral values. | 2 | [
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1169770_15_item7_p56_s2 | 1169770_14_item7_p47_s4 | On a quarterly basis, the Company evaluates the PCI loans relating to the Beach, Gateway, and PBOC acquisitions and the loan pools for potential impairment. | On a quarterly basis, the Company evaluates the PCI loans and the loan pools for potential impairment. | 2 | [
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1169770_15_item7_p56_s4 | 1169770_14_item7_p47_s6 | The provision for losses on these loans is the result of changes in expected cash flows, both amount and timing, due to loan payments and the Company s revised loss forecasts. | The provision for losses on PCI loans is the result of changes in expected cash flows, both amount and timing, due to loan payments and the Company s revised loss forecasts. | 2 | [
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1169770_15_item7_p61_s6 | 1169770_14_item7_p53_s0 | On October 4, 2013, the Bank completed a branch sale transaction to AmericanWest Bank, a Washington state chartered bank (AWB). | On October 4, 2013, the Bank completed a branch sale transaction to AWB. | 2 | [
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1169770_15_item7_p65_s1 | 1169770_14_item7_p56_s0 | the acquisitions in 2012 and 2013. | The increase was due to the acquisitions in 2012 and 2013. | 2 | [
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1169770_15_item7_p64_s9 | 1169770_14_item7_p57_s0 | The Company recognized impairment of intangible assets of $1.1 million by writing off all remaining trade name intangible assets of Beach, Gateway and PBOC of $976 thousand due to the merger of the Company s two banking subsidiaries into a single bank and a portion of core deposit intangibles on savings deposits acquir... | During the year ended December 31, 2013, the Company wrote off all remaining trade name intangibles of Beach, Gateway and PBOC of $976 thousand due to the merger of the Company's two banking subsidiaries into a single bank and a portion of core deposit intangibles on deposits acquired from Gateway of $85 thousand due t... | 2 | [
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1169770_15_item7_p65_s3 | 1169770_14_item7_p57_s0 | The Company recognized impairment of intangible assets of $1.1 million by writing off all remaining trade name intangible assets of Beach, Gateway and PBOC of $976 thousand due to the merger of the Company s two banking subsidiaries into a single bank and a portion of core deposit intangibles on savings deposits acquir... | The Company wrote off all remaining trade name intangibles of Beach, Gateway and PBOC of $976 thousand due to merger of the Company's two banking subsidiaries into a single bank and a portion of core deposit intangibles on deposits acquired from Gateway of $85 thousand due to the lower remaining balance than projected. | 2 | [
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1169770_15_item7_p82_s3 | 1169770_14_item7_p65_s4 | The Company monitors to insure it has adequate credit support and as of December 31, 2013, the Company believes there is no OTTI and it does not have the intent to sell these securities and it is not likely that it will be required to sell the securities before their anticipated recovery. | The Company monitors to ensure it has adequate credit support and as of December 31, 2014 , the Company does not have the intent to sell these securities and it is not likely that it will be required to sell the securities before their anticipated recoveries. | 2 | [
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1169770_15_item7_p105_s0 | 1169770_14_item7_p87_s1 | During 2013, overall improvement on LTV of the Company s one-to-four family residential NTM first lien portfolio was due to the improvement in the real estate market and the economy in Southern California. | During the year ended December 31, 2014 , overall improvement on LTV of the Company s SFR NTM first lien portfolio was due to the improvement in the real estate market and the economy in Southern California. | 2 | [
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1169770_16_item7_p103_s0 | 1169770_15_item7_p102_s0 | The initial credit guidelines for the non-traditional mortgage portfolio were established based on borrower Fair Isaac Company (FICO) score, loan-to-value (LTV), property type, occupancy type, loan amount, and geography. | The initial credit guidelines for the NTM portfolio were established based on borrower FICO score, LTV ratio, property type, occupancy type, loan amount, and geography. | 2 | [
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1169770_16_item7_p103_s1 | 1169770_15_item7_p102_s1 | Additionally, from an ongoing credit risk management perspective, the Company has determined the most significant performance indicators for NTMs to be loan-to-value and FICO scores. | Additionally, from an ongoing credit risk management perspective, the Company has determined the most significant performance indicators for NTMs to be LTV ratios and FICO scores. | 2 | [
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1169770_16_item7_p110_s0 | 1169770_15_item7_p108_s0 | Green Loans Green Loans are single family residential first and second mortgage lines of credit with a linked checking account that allows all types of deposits and withdrawals to be performed. | Green Loans are SFR first and second mortgage lines of credit with a linked checking account that allows all types of deposits and withdrawals to be performed. | 2 | [
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1169770_16_item7_p117_s3 | 1169770_15_item7_p116_s3 | The following table presents the Company s non-traditional SFR mortgage Green Loans first lien portfolio at December 31, 2014 by FICO scores that were obtained during the quarter ended December 31, 2014 , compared to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2013 : | The following table presents the Company s NTM Green Loans first lien portfolio at December 31, 2015 by FICO scores that were obtained during the quarter ended December 31, 2015 , compared to the FICO scores for those same loans that were obtained during the quarter ended December 31, 2014 : | 2 | [
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1169770_16_item7_p106_s0 | 1169770_15_item7_p117_s0 | The Company updates FICO scores on a semi-annual basis, typically in the second and fourth quarters or as needed in conjunction with proactive portfolio management. | The Company updates LTV ratios on a semi-annual basis, typically in the second and fourth quarters or as needed in conjunction with proactive portfolio management. | 2 | [
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1169770_16_item7_p120_s0 | 1169770_15_item7_p120_s0 | The Company performs detailed reviews of collateral values on loans collateralized by residential real property including its non-traditional mortgage portfolio based on appraisals or estimates from third party automated valuation models (AVMs) to analyze property value trends on a semi-annual basis or as needed. | The Company performs detailed reviews of collateral values on loans collateralized by residential real property including its NTM portfolio based on appraisals or estimates from third partyAVMs to analyze property value trends on a semi-annual basis or as needed. | 2 | [
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1169770_16_item7_p121_s3 | 1169770_15_item7_p120_s4 | Additionally, FICO scores are obtained bi-annually in conjunction with the collateral analysis. | Additionally, FICO scores are obtained in conjunction with the collateral analysis. | 2 | [
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1169770_16_item7_p122_s1 | 1169770_15_item7_p121_s1 | The Company s risk management policy and credit monitoring includes reviewing delinquency, FICO scores, and collateral values on the non-traditional mortgage loan portfolio. | The Company s risk management policy and credit monitoring includes reviewing delinquency, FICO scores, and collateral values on the NTM loan portfolio. | 2 | [
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1169770_16_item7_p128_s1 | 1169770_15_item7_p126_s1 | In these cases, any repossessed collateral for a consumer and non-traditional mortgage loan are more dependent on the borrower s continued financial stability and, thus, are more likely to be adversely affected by job loss, divorce, illness, or personal bankruptcy. | In these cases, any repossessed collateral for a consumer and NTM loan are more dependent on the borrower s continued financial stability and, thus, are more likely to be adversely affected by job loss, divorce, illness, or personal bankruptcy. | 2 | [
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1169770_16_item7_p130_s4 | 1169770_15_item7_p127_s0 | Asset Quality Past Due Loans and Lease The following table presents a summary of loans and leases, excluding PCI loans, that were past due at least 30 days but less than 90 days past due as of the dates indicated: | The following table presents a summary of NTM loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_16_item7_p132_s0 | 1169770_15_item7_p127_s0 | Asset Quality Past Due Loans and Lease The following table presents a summary of loans and leases, excluding PCI loans, that were past due at least 30 days but less than 90 days past due as of the dates indicated: | The following table presents a summary of PCI loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_16_item7_p132_s0 | 1169770_15_item7_p128_s4 | The following table presents a summary of NTM loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | The following table presents a summary of PCI loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_16_item7_p130_s4 | 1169770_15_item7_p130_s0 | The following table presents a summary of PCI loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | The following table presents a summary of NTM loans that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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1169770_16_item7_p138_s3 | 1169770_15_item7_p135_s3 | The amount of interest income on such loans that was included in net income for 2014 was $ 445 thousand . | The amount of interest income on such loans that was included in net income for the year ended December 31, 2015 was $ 197 thousand . | 2 | [
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1169770_16_item7_p144_s0 | 1169770_15_item7_p143_s0 | When accrual of income on a pool of purchased credit impaired loans with common risk characteristics is appropriate in accordance with ASC 310-30, individual loans in those pools are not risk-rated. | When accrual of income on a pool of PCI loans with common risk characteristics is appropriate in accordance with ASC 310-30, individual loans in those pools are not risk-rated. | 2 | [
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1169770_16_item7_p144_s1 | 1169770_15_item7_p143_s1 | The credit criteria evaluated are FICO scores, loan-to-value, delinquency, and actual cash flows versus expected cash flows of the loan pools. | The credit criteria evaluated are LTV ratios, delinquency, and actual cash flows versus expected cash flows of the loan pools. | 2 | [
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1169770_16_item7_p148_s1 | 1169770_15_item7_p148_s1 | The Company acquired the BPNA branches in 2014, PBOC in 2013, and Beach and Gateway in 2012, and their loans and leases are treated under ASC 805, accounting for acquisitions. | The Company acquired the BPNA branches in 2014, The Private Bank of California in 2013, and Beach Business Bank and Gateway Bancorp in 2012, and their loans and leases were treated under ASC 805, accounting for acquisitions. | 2 | [
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1169770_16_item7_p148_s2 | 1169770_15_item7_p148_s2 | The acquired loans and leases include loans and leases that are accounted for under ASC 310-30, accounting for purchase credit impaired loans and leases. | The acquired loans and leases include loans that are accounted for under ASC 310-30, accounting for PCI loans. | 2 | [
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1169770_16_item7_p148_s3 | 1169770_15_item7_p148_s3 | In addition, the Company acquired three pools of credit impaired re-performing seasoned SFR mortgage loan pools during 2012 and five pools of seasoned SFR mortgage loan pools, which were partially ASC 310-30 loans, during 2013. | In addition, the Company acquired three pools of credit impaired re-performing seasoned SFR mortgage loan pools during the year ended December 31, 2012, five pools of seasoned SFR mortgage loan pools, which were partially PCI loans, during the year ended December 31, 2013, and seven pools of seasoned SFR mortgage loan ... | 2 | [
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1169770_16_item7_p157_s3 | 1169770_15_item7_p154_s2 | During the year ended December 31, 2013, the Company wrote off all remaining trade name intangible assets of Beach, Gateway and PBOC totaling $976 thousand due to the merger of the Company s two banking subsidiaries into a single bank and a portion of core deposit intangibles related to the Gateway acquisition of $85 t... | During the year ended December 31, 2013, the Company wrote off all remaining trade name intangible assets of Beach Business Bank, Gateway Bancorp and The Private Bank of California of $976 thousand due to the merger of the Company s two banking subsidiaries into a single bank and a portion of core deposit intangibles r... | 2 | [
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1169770_16_item7_p51_s18 | 1169770_15_item7_p155_s1 | The increase is mainly due to $1.08 billion in deposits assumed in the BPNA Branch Acquisition and a $277.4 million increase in deposits generated through strategic plans aiming to increase core deposits by launching interest-bearing core deposit products with enhanced features to attract high net worth depositors in t... | The increase in average balance was mainly due to interest-bearing deposits assumed in the BPNA Branch Acquisition and deposits generated through strategic plans aiming to increase core deposits by launching interest-bearing core deposit products with enhanced features to attract high net worth depositors. | 2 | [
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1169770_16_item7_p170_s1 | 1169770_15_item7_p165_s1 | This reserve relates to our SFR mortgage business. | This reserve relates to our single family residential mortgage business. | 2 | [
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1169770_16_item7_p52_s0 | 1169770_15_item7_p54_s5 | The increase in interest expense on FHLB advances was due mainly to a $193.1 million increase in average balance, partially offset by a 16 bps decrease in average cost. | advances was due mainly to a $193.1 million increase in average balance, partially offset by a 16 bps decrease in average cost. | 2 | [
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1169770_16_item7_p61_s0 | 1169770_15_item7_p58_s0 | The following table presents the breakdown of non-interest income for the periods indicated: | The following table presents the breakdown of non-interest expense for the periods indicated: | 2 | [
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1169770_16_item7_p58_s14 | 1169770_15_item7_p59_s13 | During the year ended December 31, 2014 , the Bank originated $2.82 billion and sold $2.75 billion of conforming single family residential mortgage loans in the secondary market. | During the year ended December 31, 2014 , the Bank originated $2.82 billion and sold $2.75 billion of of conforming SFR mortgage loans in the secondary market. | 2 | [
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1169770_16_item7_p60_s5 | 1169770_15_item7_p60_s20 | During the year ended December 31, 2013, the Company was able to profitably reduce risk within its investment portfolio by adjusting the mix of the portfolio to reduce private label mortgage-backed securities and increase agency mortgage-backed securities. | During the year ended December 31, 2014, the Company was able to recognize higher realized gains during the period due to the current low interest rate environment, while the Company sold more undesirable investment securities to reduce risk within its investment portfolio by adjusting the mix of the portfolio to reduc... | 2 | [
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1169770_16_item7_p60_s21 | 1169770_15_item7_p60_s9 | Gain on sale of branches of $456 thousand and $12.1 million was recognized for the years ended December 31, 2014 and 2013, respectively, for the branch sale transaction to AWB on October 4, 2013. | Gain on sale of branches of $456 thousand and $12.1 million was recognized for the years ended December 31, 2014 and 2013 , respectively. | 2 | [
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1169770_16_item7_p56_s0 | 1169770_15_item7_p62_s0 | The following table presents the breakdown of non-interest expense for the periods indicated: | The following table presents the breakdown of non-interest income for the periods indicated: | 2 | [
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1169770_16_item7_p62_s1 | 1169770_15_item7_p63_s13 | The increase was mainly due to the Company's higher overall marketing cost associated with the continued expansion of its business footprint. | The increase was mainly due to the continued expansion of our business footprint. | 2 | [
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1169770_16_item7_p62_s3 | 1169770_15_item7_p63_s3 | The increase was due mainly to additional compensation expense from an increase in the number of full-time employees resulting from the RenovationReady acquisition and BPNA Branch Acquisition, an increase in share-based compensation expense, as well as expansion in mortgage banking activities. | The increase was due mainly to additional compensation expense from an increase in the number of full-time employees resulting from the expansion of commercial banking operations, an increase in share-based compensation expense, as well as expansion in mortgage banking activities. | 2 | [
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1169770_16_item7_p63_s16 | 1169770_15_item7_p63_s5 | Total originations of single family residential mortgage loans for the years ended December 31, 2014 and 2013 totaled $2.82 billion and $1.94 billion, respectively. | Total originations of conforming SFR mortgage loans for the years ended December 31, 2014 and 2013 were $2.82 billion and $1.94 billion , respectively. | 2 | [
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1169770_16_item7_p63_s18 | 1169770_15_item7_p63_s7 | The increase was due mainly to increased building and maintenance costs resulting from a full year of branch costs associated with the 2013 acquisitions of PBOC, The Palisades Group and CS Financial, and new branch locations associated with the BPNA Branch Acquisition and new loan production offices. | The increase was due mainly to increased building and maintenance costs resulting from a full year of branch costs associated with the 2013 acquisitions of The Private Bank of California, The Palisades Group and CS Financial, and new branch locations associated with the BPNA Branch Acquisition and new loan production o... | 2 | [
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1169770_16_item7_p64_s6 | 1169770_15_item7_p64_s9 | During the year ended December 31, 2013, the Company wrote off all remaining trade name intangibles of Beach, Gateway and PBOC of $976 thousand due to the merger of the Company's two banking subsidiaries into a single bank and a portion of core deposit intangibles on deposits acquired from Gateway of $85 thousand due t... | During the year ended December 31, 2013 , the Company wrote off all remaining trade name intangibles of Beach Business Bank, Gateway Bancorp and The Private Bank of California of $976 thousand due to the merger of the Company's two banking subsidiaries into a single bank and a portion of core deposit intangibles on dep... | 2 | [
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1169770_16_item7_p64_s6 | 1169770_15_item7_p65_s3 | The Company wrote off all remaining trade name intangibles of Beach, Gateway and PBOC of $976 thousand due to merger of the Company's two banking subsidiaries into a single bank and a portion of core deposit intangibles on deposits acquired from Gateway of $85 thousand due to the lower remaining balance than projected. | During the year ended December 31, 2013 , the Company wrote off all remaining trade name intangibles of Beach Business Bank, Gateway Bancorp and The Private Bank of California of $976 thousand due to the merger of the Company's two banking subsidiaries into a single bank and a portion of core deposit intangibles on dep... | 2 | [
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1169770_16_item7_p67_s1 | 1169770_15_item7_p67_s7 | The Company is no longer subject to examination by U.S. Federal taxing authorities for years before 2010 (with the exception of Gateway Bancorp, a predecessor entity, which is currently under exam by the Internal Revenue Service for the 2008 and 2009 tax years). | The Company is no longer subject to examination by U.S. Federal taxing authorities for years before 2012 (with the exception of Gateway Bancorp, a predecessor entity, which is currently under exam by the Internal Revenue Service for the 2008 and 2009 tax years).The statute of limitations for the assessment of Californi... | 2 | [
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1169770_16_item7_p83_s2 | 1169770_15_item7_p83_s3 | The loans carried at fair value represent conforming single family residential mortgage loans originated by the Bank that are sold into the secondary market on a whole loan basis. | The loans carried at fair value represent conforming SFR mortgage loans originated by the Bank that are sold into the secondary market on a whole loan basis. | 2 | [
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1169770_16_item7_p98_s0 | 1169770_15_item7_p97_s1 | This due diligence encompasses analyzing the title, subordinate liens and judgments as well as a comprehensive reconciliation of current property value. | subordinate liens and judgments as well as a comprehensive reconciliation of current property value. | 2 | [
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1169770_16_item7_p7_s2 | 1169770_15_item7_p9_s2 | Purchased loans and leases with evidence of credit quality deterioration where the Company estimates that it will not receive all contractual payments are accounted for as purchased credit impaired loans and leases (PCI loans and leases). | Purchased loans with evidence of credit quality deterioration where the Company estimates that it will not receive all contractual payments are accounted for as PCI loans. | 2 | [
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1169770_17_item7_p112_s2 | 1169770_16_item7_p127_s2 | From the most recent review completed in the fourth quarter of 2015 , the Company reduced $800 thousand in available commitments on Green Loans. | From the most recent review completed in the fourth quarter of 2016 , the Company made no curtailment in available commitments on Green Loans. | 2 | [
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1169770_17_item7_p116_s0 | 1169770_16_item7_p129_s0 | Asset Quality Past Due Loans and Lease The following table presents a summary of loans and leases, excluding PCI loans, that were past due at least 30 days but less than 90 days past due as of the dates indicated: | Past Due Loans and Leases The following table presents a summary of total loans and leases that were past due at least 30 days but less than 90 days past due as of the dates indicated: | 2 | [
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