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Loans Receivable (Tables)
 12 Months Ended
Dec. 31, 2017
Loans And Leases Receivable Net Reported Amount Covered And Not Covered [Abstract]  
Schedule Of Accounts Notes Loans And Financing Receivable Text Block
December 31,
20172016
(In thousands)
Originated and other loans and leases held for investment:
Mortgage $683,607$721,494
Commercial1,307,2611,277,866
Consumer330,039290,515
Auto and leasing883,985756,395
3,204,8923,046,270
Allowance for loan and lease losses on originated and other loans and leases(92,718)(59,300)
3,112,1742,986,970
Deferred loan costs, net6,6955,766
Total originated and other loans loans held for investment, net3,118,8692,992,736
Acquired loans:
Acquired BBVAPR loans:
Accounted for under ASC 310-20 (Loans with revolving feature and/or
acquired at a premium)
Commercial4,3805,562
Consumer28,91532,862
Auto21,96953,026
55,26491,450
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-20(3,862)(4,300)
51,40287,150
Accounted for under ASC 310-30 (Loans acquired with deteriorated
credit quality, including those by analogy)
Mortgage 532,053569,253
Commercial 243,092292,564
Consumer1,4314,301
Auto43,69685,676
820,272951,794
Allowance for loan and lease losses on acquired BBVAPR loans accounted for under ASC 310-30(45,755)(31,056)
774,517920,738
Total acquired BBVAPR loans, net825,9191,007,888
Acquired Eurobank loans:
Loans secured by 1-4 family residential properties69,53873,018
Commercial53,79381,460
Consumer1,1121,372
Total acquired Eurobank loans124,443155,850
Allowance for loan and lease losses on Eurobank loans(25,174)(21,281)
Total acquired Eurobank loans, net99,269134,569
Total acquired loans, net925,1881,142,457
Total held for investment, net4,044,0574,135,193
Mortgage loans held-for-sale12,27212,499
Total loans, net$4,056,329$4,147,692
Past Due Financing Receivables [Table Text Block]
December 31, 2017
Loans 90+
Days Past
Due and
30-59 Days60-89 Days90+ DaysTotal PastStill
Past DuePast DuePast DueDueCurrentTotal LoansAccruing
(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002$86$938$3,537$4,561$41,579$46,140$467
Years 2003 and 2004921,0776,3047,47375,75883,231-
Year 20051013833,3483,83240,66944,50168
Year 20062426045,9716,81755,96662,78366
Years 2007, 2008 and 20093581,2588,56110,17758,50568,682577
Years 2010, 2011, 2012, 20132339787,3938,604116,674125,2781,202
Years 2014, 2015, 2016 and 2017-751,6491,724121,194122,918-
1,1125,31336,76343,188510,345553,5332,380
Non-traditional-3263,5433,86914,40118,270-
Loss mitigation program7,2333,33118,92329,48773,793103,2804,981
8,3458,97059,22976,544598,539675,0837,361
Home equity secured personal loans----256256-
GNMA's buy-back option program--8,2688,268-8,268-
8,3458,97067,49784,812598,795683,6077,361
Commercial
Commercial secured by real estate:
Corporate----235,426235,426-
Institutional--11811844,64844,766-
Middle market765-3,5274,292225,649229,941-
Retail3529369,69510,983235,084246,067-
Floor plan----3,9983,998-
Real estate----17,55617,556-
1,11793613,34015,393762,361777,754-
Other commercial and industrial:
Corporate----170,015170,015-
Institutional----125,591125,591-
Middle market--88188184,48285,363-
Retail4551031,6162,174111,078113,252-
Floor plan9-516035,22635,286-
4641032,5483,115526,392529,507-
1,5811,03915,88818,5081,288,7531,307,261-

December 31, 2017
Loans 90+
Days Past
Due and
30-59 Days60-89 Days90+ DaysTotal PastStill
Past DuePast DuePast DueDueCurrentTotal LoansAccruing
(In thousands)
Consumer
Credit cards$246$130$1,227$1,603$26,827$28,430$-
Overdrafts2063157157214-
Personal lines of credit25954874001,8202,220-
Personal loans3,7781,4942235,495278,982284,477-
Cash collateral personal loans1035931247414,22414,698-
4,4061,7431,8808,029322,010330,039-
Auto and leasing21,76010,3994,23236,391847,594883,985-
Total$36,092$22,151$89,497$147,740$3,057,152$3,204,892$7,361

December 31, 2016
Loans 90+
Days Past
Due and
30-59 Days60-89 Days90+ DaysTotal PastStill
Past DuePast DuePast DueDueCurrentTotal LoansAccruing
(In thousands)
Mortgage
Traditional (by origination year):
Up to the year 2002$196$2,176$3,371$5,743$44,542$50,285$158
Years 2003 and 20041563,8727,27211,30079,40790,707-
Year 2005-1,9524,3066,25843,75150,009-
Year 20065062,9056,2619,67259,62869,300-
Years 2007, 2008 and 20094091,43911,73213,58063,14976,729398
Years 2010, 2011, 2012, 20133491,77210,41712,538127,322139,860583
Years 2014, 2015 and 2016471231,3571,527106,672108,199-
1,66314,23944,71660,618524,471585,0891,139
Non-traditional-4984,7305,22817,63122,859-
Loss mitigation program8,9117,20516,54132,65770,871103,5281,724
10,57421,94265,98798,503612,973711,4762,863
Home equity secured personal loans----337337-
GNMA's buy-back option program--9,6819,681-9,681-
10,57421,94275,668108,184613,310721,4942,863
Commercial
Commercial secured by real estate:
Corporate----242,770242,770-
Institutional--25425426,54626,800-
Middle market-603,3193,379231,602234,981-
Retail1543506,5947,098242,630249,728-
Floor plan----2,9892,989-
Real estate----16,39516,395-
15441010,16710,731762,932773,663-
Other commercial and industrial:
Corporate----136,438136,438-
Institutional----180,285180,285-
Middle market----81,63381,633-
Retail9301009691,99971,70673,705-
Floor plan8-616932,07332,142-
9381001,0302,068502,135504,203-
1,09251011,19712,7991,265,0671,277,866-

December 31, 2016
Loans 90+
Days Past
Due and
30-59 Days60-89 Days90+ DaysTotal PastStill
Past DuePast DuePast DueDueCurrentTotal LoansAccruing
(In thousands)
Consumer
Credit cards$527$283$525$1,335$25,023$26,358$-
Overdrafts1612533174207-
Personal lines of credit41432772,3272,404-
Personal loans2,4741,4891,0815,044241,228246,272-
Cash collateral personal loans24020426415,01015,274-
3,2981,8081,6476,753283,762290,515-
Auto and leasing42,71419,0148,17369,901686,494756,395-
Total$57,678$43,274$96,685$197,637$2,848,633$3,046,270$2,863

December 31, 2017
Loans 90+
Days Past
Due and
30-59 Days60-89 Days90+ DaysTotal PastStill
Past DuePast DuePast DueDueCurrentTotal LoansAccruing
(In thousands)
Commercial
Commercial secured by real estate
Retail$-$-$119$119$-$119$-
Floor plan--9289283931,321-
--1,0471,0473931,440-
Other commercial and industrial
Retail36-2212572,6812,938-
Floor plan--22-2-
36-2232592,6812,940-
36-1,2701,3063,0744,380-
Consumer
Credit cards2081271,3101,64524,82226,467-
Personal loans13961452452,2032,448-
3471881,3551,89027,02528,915-
Auto6022481791,02920,94021,969-
Total $985$436$2,804$4,225$51,039$55,264$-

December 31, 2016
Loans 90+
Days Past
Due and
30-59 Days60-89 Days90+ DaysTotal PastStill
Past DuePast DuePast DueDueCurrentTotal LoansAccruing
(In thousands)
Commercial
Commercial secured by real estate
Retail$33$-$110$143$-$143$-
Floor plan--2192192,1712,390-
33-3293622,1712,533-
Other commercial and industrial
Retail97341212522,7753,027-
Floor plan--22-2-
97341232542,7753,029-
130344526164,9465,562-
Consumer
Credit cards7363697081,81328,28030,093-
Personal loans48141201822,5872,769-
7843838281,99530,86732,862-
Auto3,6521,3555175,52447,50253,026-
Total $4,566$1,772$1,797$8,135$83,315$91,450$-
Carrying Amounts Of Acquired Loans Tabular Disclosure [Table Text Block]
December 31,
20172016
(In thousands)
Contractual required payments receivable:$1,481,616 $ 1,669,602
Less: Non-accretable discount352,431363,107
Cash expected to be collected1,129,1851,306,495
Less: Accretable yield308,913354,701
Carrying amount, gross820,272951,794
Less: allowance for loan and lease losses45,75531,056
Carrying amount, net$774,517 $ 920,738
Accretable Yield for Acquired Loans [Table Text Block]
Year Ended December 31, 2017
MortgageCommercialAutoConsumerTotal
(In thousands)
Accretable Yield Activity:
Balance at beginning of year$292,115$50,366$8,538$3,682$354,701
Accretion(30,205)(20,572)(6,339)(1,841)(58,957)
Change in expected cash flows222,25017014322,565
Transfer (to) from non-accretable discount(3,414)(5,280)397(1,099)(9,396)
Balance at end of year$258,498$46,764$2,766$885$308,913
Non-Accretable Discount Activity:
Balance at beginning of year$305,615$16,965$22,407$18,120$363,107
Change in actual and expected losses(9,528)(11,649)1,04065(20,072)
Transfer from (to) accretable yield3,4145,280(397)1,0999,396
Balance at end of year$299,501$10,596$23,050$19,284$352,431

Year Ended December 31, 2016
MortgageCommercialAutoConsumerTotal
(In thousands)
Accretable Yield Activity:
Balance at beginning of year$268,794$65,026$21,578$6,290$361,688
Accretion(32,834)(26,254)(13,567)(2,982)(75,637)
Change in actual and expected losses(1)14,2591,251(242)15,267
Transfer from (to) non-accretable discount56,156(2,665)(724)61653,383
Balance at end of year$292,115$50,366$8,538$3,682$354,701
Non-Accretable Discount Activity:
Balance at beginning of year$374,772$18,545$22,039$18,834$434,190
Change in actual and expected losses(13,001)(4,245)(356)(98)(17,700)
Transfer (to) from accretable yield(56,156)2,665724(616)(53,383)
Balance at end of year$305,615$16,965$22,407$18,120$363,107

Year Ended December 31, 2015
MortgageCommercialAutoConsumerTotal
(In thousands)
Accretable Yield Activity:
Balance at beginning of year$298,364$87,025$53,998$6,559$445,946
Accretion(34,842)(49,429)(23,463)(4,379)(112,113)
Change in actual and expected losses-8,532-(1)8,531
Transfer (to) from non-accretable discount5,27218,898(8,957)4,11119,324
Balance at end of year$268,794$65,026$21,578$6,290$361,688
Non-Accretable Discount Activity:
Balance at beginning of year$389,839$26,555$16,215$24,018$456,627
Change in actual and expected losses(9,795)10,888(3,133)(1,073)(3,113)
Transfer from (to) accretable yield(5,272)(18,898)8,957(4,111)(19,324)
Balance at end of year$374,772$18,545$22,039$18,834$434,190
Eurobank loans carrying amount [Table Text Block]
December 31
20172016
(In thousands)
Contractual required payments receivable:$179,960$232,698
Less: Non-accretable discount5,84512,340
Cash expected to be collected174,115220,358
Less: Accretable yield49,67264,508
Carrying amount, gross124,443155,850
Less: Allowance for loan and lease losses25,17421,281
Carrying amount, net$99,269$134,569
Accretable Yield for Acquired Eurobank Loans [Table Text Block]
Year Ended December 31, 2017
Loans Secured by 1-4 Family Residential PropertiesCommercialConstruction & Development Secured by 1-4 Family Residential PropertiesLeasingConsumerTotal
(In thousands)
Accretable Yield Activity:
Balance at beginning of year$45,839$16,475$2,194$-$-$64,508
Accretion(7,180)(12,985)(82)(30)(283)(20,560)
Change in expected cash flows1211,881121(217)7592,665
Transfer from (to) non-accretable discount2,6941,380(786)247(476)3,059
Balance at end of year$41,474$6,751$1,447$-$-$49,672
Non-Accretable Discount Activity:
Balance at beginning of year$8,441$3,880$11$-$8$12,340
Change in actual and expected losses(1,171)(2,224)(39)247(249)(3,436)
Transfer from (to) accretable yield(2,694)(1,380)786(247)476(3,059)
Balance at end of year$4,576$276$758$-$235$5,845

Year Ended December 31, 2016
Loans Secured by 1-4 Family Residential PropertiesCommercialConstruction & Development Secured by 1-4 Family Residential PropertiesLeasingConsumerTotal
(In thousands)
Accretable Yield Activity:
Balance at beginning of year$51,954$26,970$2,255-$3,212$84,391
Accretion(8,942)(19,593)(90)(60)(1,813)(30,498)
Change in actual and expected losses2,13413,7221(15)(1,386)14,456
Transfer from (to) non-accretable discount693(4,624)2875(13)(3,841)
Balance at end of year$45,839$16,475$2,194$-$-$64,508
Non-Accretable Discount Activity:
Balance at beginning of year$12,869$-$-$-$8,287$21,156
Change in actual and expected losses(3,735)(744)3975(8,292)(12,657)
Transfer (to) from accretable yield(693)4,624(28)(75)133,841
Balance at end of year$8,441$3,880$11$-$8$12,340

Year Ended December 31, 2015
Loans Secured by 1-4 Family Residential PropertiesCommercialConstruction & Development Secured by 1-4 Family Residential PropertiesLeasingConsumerTotal
(In thousands)
Accretable Yield Activity:
Balance at beginning of year$47,636$37,920$20,753$2,479$1,071$109,859
Accretion(13,685)(32,124)(2,513)(3,458)(631)(52,411)
Change in expected cash flows4,63144,660(15,048)(51)30534,497
Transfer from (to) non-accretable discount13,372(23,486)(937)1,0302,467(7,554)
Balance at end of year$51,954$26,970$2,255$-$3,212$84,391
Non-Accretable Discount Activity:
Balance at beginning of year$27,348$24,464$-$-$10,598$62,410
Change in actual and expected cash flows(1,107)(47,950)(937)1,030156(48,808)
Transfer (to) from accretable yield(13,372)23,486937(1,030)(2,467)7,554
Balance at end of year$12,869$-$-$-$8,287$21,156
Financing Receivable Recorded Investment Nonaccrual Status By Class Of Loans [Table Text Block]
December 31,
20172016
(In thousands)
Originated and other loans and leases held for investment
Mortgage
Traditional (by origination year):
Up to the year 2002$3,070$3,336
Years 2003 and 20046,3807,668
Year 20053,2804,487
Year 20065,9056,746
Years 2007, 2008 and 20097,98411,526
Years 2010, 2011, 2012, 20136,25910,089
Years 2014, 2015, 2016 and 20171,6491,404
34,52745,256
Non-traditional3,5434,730
Loss mitigation program16,78320,744
54,85370,730
Commercial
Commercial secured by real estate
Institutional118-
Middle market11,3944,682
Retail14,43811,561
25,95016,243
Other commercial and industrial
Middle market6,3231,278
Retail2,9291,950
Floor plan5161
9,3033,289
35,25319,532
Consumer
Credit cards1,227525
Overdrafts31-
Personal lines of credit10232
Personal loans9001,420
Cash collateral personal loans3124
2,5721,981
Auto and leasing4,2329,052
Total non-accrual originated loans$96,910$101,295

December 31,
20172016
(In thousands)
Acquired BBVAPR loans accounted for under ASC 310-20
Commercial
Commercial secured by real estate
Retail$119$143
Floor plan9281,149
1,0471,292
Other commercial and industrial
Retail221121
Floor plan22
223123
1,2701,415
Consumer
Credit cards1,310708
Personal loans45120
1,355828
Auto 179552
Total non-accrual acquired BBVAPR loans accounted for under ASC 310-202,8042,795
Total non-accrual loans$99,714$104,090
Impaired Financing Receivables [Table Text Block]
December 31, 2017
UnpaidRecordedRelated
PrincipalInvestment Allowance Coverage
(In thousands)
Impaired loans with specific allowance:
Commercial$57,922 $ 52,585 $ 10,57320%
Residential impaired and troubled-debt restructuring94,97185,4039,12111%
Impaired loans with no specific allowance:
Commercial22,02218,953N/A0%
Total investment in impaired loans$174,915$156,941$19,69413%

December 31, 2016
UnpaidRecordedRelated
PrincipalInvestment Allowance Coverage
(In thousands)
Impaired loans with specific allowance:
Commercial$13,183$11,698$1,62614%
Residential impaired and troubled-debt restructuring100,10191,6507,7618%
Impaired loans with no specific allowance
Commercial49,03841,441N/A0%
Total investment in impaired loans$162,322$144,789$9,3876%

December 31, 2017
UnpaidRecordedRelated
PrincipalInvestment Allowance Coverage
(In thousands)
Impaired loans with specific allowance
Commercial$926$747$203%
Impaired loans with no specific allowance
Commercial$-$-N/A0%
Total investment in impaired loans$926$747$203%
December 31, 2016
UnpaidRecordedSpecific
PrincipalInvestment Allowance Coverage
(In thousands)
Impaired loans with specific allowance
Commercial$944$929$14115%
Impaired loans with no specific allowance
Commercial$240$221N/A0%
Total investment in impaired loans$1,184$1,150$14112%

December 31, 2017
Coverage
UnpaidRecordedto Recorded
PrincipalInvestment Allowance Investment
(In thousands)
Impaired loan pools with specific allowance:
Mortgage$547,064$532,052$14,0853%
Commercial 250,451241,12423,69110%
Consumer 2,4681,431181%
Auto43,44043,6967,96118%
Total investment in impaired loan pools$843,423$818,303$45,7556%

December 31 , 2016
Coverage
UnpaidRecordedto Recorded
PrincipalInvestment Allowance Investment
(In thousands)
Impaired loan pools with specific allowance:
Mortgage$595,757$569,250$2,6820%
Commercial 199,092195,52823,45212%
Auto92,79785,6764,9226%
Total investment in impaired loan pools$887,646$850,454$31,0564%

December 31, 2017
Coverage
UnpaidRecordedto Recorded
PrincipalInvestment Allowance Investment
(In thousands)
Impaired loan pools with specific allowance:
Loans secured by 1-4 family residential properties$81,132$69,538$15,18722%
Commercial58,09953,7939,98219%
Consumer1545125%
Total investment in impaired loan pools$139,246$123,335$25,17420%

December 31, 2016
Coverage
UnpaidRecordedSpecificto Recorded
PrincipalInvestment Allowance Investment
(In thousands)
Impaired loan pools with specific allowance
Loans secured by 1-4 family residential properties$88,017$73,018$11,94716%
Commercial81,99272,1409,32813%
Consumer291,37260%
Total investment in impaired loan pools$170,038$146,530$21,28115%
Impaired Financing Receivables Loans, excluding ASC 310-30 [Table Text Block]
Year Ended December 31,
201720162015
Interest Income RecognizedAverage Recorded InvestmentInterest Income RecognizedAverage Recorded InvestmentInterest Income RecognizedAverage Recorded Investment
(In thousands)
Originated and other loans held for investment:
Impaired loans with specific allowance
Commercial$1,538$25,797$452$118,980$280$175,115
Residential troubled-debt restructuring 3,30187,4143,19091,1393,21990,736
Impaired loans with no specific allowance
Commercial 87536,6661,94140,4431,35064,356
Total interest income from impaired loans$5,714$149,877$5,583$250,562$4,849$330,207
Acquired loans accounted for under ASC 310-20:
Impaired loans with specific allowance
Commercial$-$794$-$319$-$-
Impaired loans with no specific allowance
Commercial---608--
Total interest income from impaired loans$5,714$150,671$5,583$251,489$4,849$330,207
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
Year Ended December 31, 2017
Number of contractsPre-Modification Outstanding Recorded InvestmentPre-Modification Weighted Average RatePre-Modification Weighted Average Term (in Months)Post-Modification Outstanding Recorded InvestmentPost-Modification Weighted Average RatePost-Modification Weighted Average Term (in Months)
(Dollars in thousands)
Mortgage 85 $ 10,4416.23%390 $ 10,3434.40%384
Commercial 2413,8286.05%5713,8295.73%62
Consumer 1071,39111.68%621,43010.85%69
Auto91347.24%6613511.75%37

Year Ended December 31, 2016
Number of contractsPre-Modification Outstanding Recorded InvestmentPre-Modification Weighted Average RatePre-Modification Weighted Average Term (in Months)Post-Modification Outstanding Recorded InvestmentPost-Modification Weighted Average RatePost-Modification Weighted Average Term (in Months)
(Dollars in thousands)
Mortgage 90 $ 11,6846.05%351 $ 11,6254.77%439
Commercial 209,8335.73%6410,1515.93%116
Consumer 7581713.60%7390211.23%66
Year Ended December 31, 2015
Number of contractsPre-Modification Outstanding Recorded InvestmentPre-Modification Weighted Average RatePre-Modification Weighted Average Term (in Months)Post-Modification Outstanding Recorded InvestmentPost-Modification Weighted Average RatePost-Modification Weighted Average Term (in Months)
(Dollars in thousands)
Mortgage 160 $ 21,0535.42%356 $ 21,1824.35%272
Commercial 95,6646.79%6613,1744.57%56
Consumer 6461113.85%7189813.43%60
Auto513010.51%6513110.87%61

Year Ended December 31,
201720162015
Number of ContractsRecorded InvestmentNumber of ContractsRecorded InvestmentNumber of ContractsRecorded Investment
(Dollars in thousands)
Mortgage 34 $ 3,12919 $ 2,24165 $ 7,387
Commercial5$4522$157-$-
Consumer20 $ 24911 $ 1268 $ 177
Auto-$--$-1$64
Financing Receivable Credit Quality Indicators [Table Text Block]
December 31, 2017
Risk Ratings
BalanceSpecial
OutstandingPassMentionSubstandardDoubtfulLoss
(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate$235,426$200,395$33,094$1,937$-$-
Institutional44,76633,856-10,910--
Middle market229,941196,0584,74929,134--
Retail246,067215,1218,05822,888--
Floor plan3,9982,6781,320---
Real estate17,55617,556----
777,754665,66447,22164,869--
Other commercial and industrial:
Corporate170,015157,68312,332---
Institutional125,591125,591----
Middle market85,36371,2226,3867,755--
Retail113,252109,4775623,213--
Floor plan35,28632,1653,07051--
529,507496,13822,35011,019--
Total1,307,2611,161,80269,57175,888--
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Retail119--119--
Floor plan1,321393-928--
1,440393-1,047--
Other commercial and industrial:
Retail2,9382,933-5--
Floor plan2--2--
2,9402,933-7--
Total4,3803,326-1,054--

December 31, 2017
Risk Ratings
BalanceSpecial
OutstandingPassMentionSubstandardDoubtfulLoss
(In thousands)
Retail - originated and other loans held for investment
Mortgage:
Traditional553,533516,770-36,763--
Non-traditional18,27014,727-3,543--
Loss mitigation program103,28084,357-18,923--
Home equity secured personal loans256256----
GNMA's buy-back option program8,268--8,268--
683,607616,110-67,497--
Consumer:
Credit cards28,43027,203-1,227--
Overdrafts214158-56--
Unsecured personal lines of credit2,2202,133-87--
Unsecured personal loans284,477284,255-222--
Cash collateral personal loans14,69814,386-312--
330,039328,135-1,904--
Auto and Leasing883,985879,753-4,232--
Total1,897,6311,823,998-73,633--
Retail - acquired loans (accounted for under ASC 310-20)
Consumer:
Credit cards26,46725,156-1,311--
Personal loans2,4482,402-46--
28,91527,558-1,357--
Auto21,96921,790-179--
50,88449,348-1,536--
$3,260,156$3,038,474$69,571$152,111$-$-

December 31, 2016
Risk Ratings
BalanceSpecial
OutstandingPassMentionSubstandardDoubtfulLoss
(In thousands)
Commercial - originated and other loans held for investment
Commercial secured by real estate:
Corporate$242,770$226,768$16,002$-$- $ -
Institutional26,80016,0679,0901,643--
Middle market234,981194,91311,68928,379--
Retail249,728222,2058,55918,964--
Floor plan2,9892,989----
Real estate16,39516,395----
773,663679,33745,34048,986--
Other commercial and industrial:
Corporate136,438136,438----
Institutional180,285180,185100---
Middle market81,63363,55616,1501,927--
Retail73,70568,7437314,231--
Floor plan32,14229,2672,81461--
504,203478,18919,7956,219--
Total1,277,8661,157,52665,13555,205--
Commercial - acquired loans (under ASC 310-20)
Commercial secured by real estate:
Retail143--143--
Floor plan2,3909053371,148--
2,5339053371,291--
Other commercial and industrial:
Retail3,0273,014-13--
Floor plan2--2--
3,0293,014-15--
Total5,5623,9193371,306--

December 31, 2016
Risk Ratings
BalanceSpecial
OutstandingPassMentionSubstandardDoubtfulLoss
(In thousands)
Retail - originated and other loans held for investment
Mortgage:
Traditional585,089540,373-44,716--
Non-traditional22,85918,129-4,730--
Loss mitigation program103,52886,987-16,541--
Home equity secured personal loans337337----
GNMA's buy-back option program9,681--9,681--
721,494645,826-75,668--
Consumer:
Credit cards26,35825,833-525--
Overdrafts207174-33--
Unsecured personal lines of credit2,4042,372-32--
Unsecured personal loans246,272245,190-1,082--
Cash collateral personal loans15,27415,270-4--
290,515288,839-1,676--
Auto and Leasing756,395748,221-8,174--
Total1,768,4041,682,886-85,518--
Retail - acquired loans (under ASC 310-20)
Consumer:
Credit cards30,09329,386-707--
Personal loans2,7692,649-120--
32,86232,035-827--
Auto53,02652,510-516--
Total85,88884,545-1,343--
$3,137,720$2,928,876$65,472$143,372$-$-