Loans Receivable (Notes)

6 Months Ended

Jun. 30, 2013

Receivables [Abstract]

Loans Receivable

Loans receivable are as follows:

	June 30, 2013			December 31, 2012
One-to-four family residential real estate loans	$	200,181		$	218,596
Multi-family mortgage loans	353,924			352,019
Nonresidential real estate loans	255,429			264,672
Construction and land loans	7,152			8,552
Commercial loans	51,701			61,388
Commercial leases	157,606			139,783
Consumer loans	2,622			2,745
Total loans	1,028,615			1,047,755
Net deferred loan origination costs	798			745
Allowance for loan losses	(17,097		)	(18,035		)
Loans, net	$	1,012,316		$	1,030,465

The following tables present the balance in the allowance for loan losses and the loans receivable by portfolio segment and based on impairment method:

	Allowance for loan losses								Loan Balances
	Individually evaluated  for impairment		Purchased impaired loans		Collectively evaluated  for impairment		Total		Individually evaluated  for impairment		Purchased impaired loans		Collectively evaluated  for impairment		Total
June 30, 2013
One-to-four family residential real estate loans	$	47	$	2	$	3,866	$	3,915	$	5,115	$	396	$	194,670	$	200,181
Multi-family mortgage loans	629		—		4,057		4,686		12,642		—		341,282		353,924
Nonresidential real estate loans	352		—		5,341		5,693		6,750		1,607		247,072		255,429
Construction and land loans	135		50		621		806		1,604		997		4,551		7,152
Commercial loans	34		—		1,071		1,105		651		21		51,029		51,701
Commercial leases	—		—		798		798		—		—		157,606		157,606
Consumer loans	—		—		94		94		—		—		2,622		2,622
	$	1,197	$	52	$	15,848	$	17,097	$	26,762	$	3,021	$	998,832	1,028,615
Net deferred loan origination costs															798
Allowance for loan losses															(17,097		)
Loans, net															$	1,012,316

	Allowance for loan losses								Loan Balances
	Individually evaluated  for impairment		Purchased impaired loans		Collectively evaluated  for impairment		Total		Individually evaluated  for impairment		Purchased impaired loans		Collectively evaluated  for impairment		Total
December 31, 2012
One-to-four family residential real estate loans	$	137	$	5	$	4,584	$	4,726	$	5,256	$	380	$	212,960	$	218,596
Multi-family mortgage loans	729		—		3,851		4,580		4,801		—		347,218		352,019
Nonresidential real estate loans	401		8		5,136		5,545		11,918		2,568		250,186		264,672
Construction and land loans	294		96		641		1,031		2,210		1,021		5,321		8,552
Commercial loans	23		1		1,300		1,324		256		20		61,112		61,388
Commercial leases	—		—		666		666		—		—		139,783		139,783
Consumer loans	—		—		163		163		—		—		2,745		2,745
	$	1,584	$	110	$	16,341	$	18,035	$	24,441	$	3,989	$	1,019,325	1,047,755
Net deferred loan origination costs															745
Allowance for loan losses															(18,035		)
Loans, net															$	1,030,465

Activity in the allowance for loan losses is as follows:

	Three Months Ended June 30,						Six Months Ended June 30,
	2013			2012			2013			2012
Beginning balance	$	17,453		$	31,638		$	18,035		$	31,726
Loans charged offs:
One-to-four family residential real estate loans	(176		)	(591		)	(545		)	(1,263		)
Multi-family mortgage loans	(374		)	(135		)	(610		)	(689		)
Nonresidential real estate loans	(153		)	(2,202		)	(232		)	(2,635		)
Construction and land loans	—			(185		)	(927		)	(232		)
Commercial loans	(213		)	(31		)	(232		)	(169		)
Consumer loans	(12		)	(11		)	(12		)	(23		)
	(928		)	(3,155		)	(2,558		)	(5,011		)
Recoveries:
One-to-four family residential real estate loans	85			74			327			185
Multi-family mortgage loans	159			96			216			480
Nonresidential real estate loans	103			284			122			315
Construction and land loans	1			58			3			242
Commercial loans	16			132			21			189
Consumer loans	2			6			3			11
	366			650			692			1,422
Net charge-off	(562		)	(2,505		)	(1,866		)	(3,589		)
Provision for loan losses	206			1,745			928			2,741
Ending balance	$	17,097		$	30,878		$	17,097		$	30,878

The following table presents loans individually evaluated for impairment by class of loans, excluding purchased impaired loans:

									Three months ended June 30, 2013				Six months ended June 30, 2013
	Loan Balance		Recorded Investment		Partial Charge-off		Allowance for Loan Losses Allocated		Average Investment in Impaired Loans		Interest Income Recognized		Average Investment in Impaired Loans		Interest Income Recognized
June 30, 2013
With no related allowance recorded:
One-to-four family residential real estate loans	$	4,810	$	3,807	$	951	$	—	$	2,681	$	10	$	2,866	$	21
One-to-four family residential real estate loans - non-owner occupied	956		778		142		—		1,683		2		1,450		2
Multi-family mortgage loans	8,834		8,630		4		—		8,237		63		5,605		75
Nonresidential real estate loans	4,372		3,681		253		—		2,776		7		4,245		9
Land loans	454		337		113		—		324		—		185		—
Commercial loans - secured	648		326		19		—		163		—		93		—
Commercial loans - unsecured	485		53		374		—		52		—		52		—
	20,559		17,612		1,856		—		15,916		82		14,496		107
With an allowance recorded:
One-to-four family residential real estate loans - non-owner occupied	587		509		60		47		298		1		348		1
Multi-family mortgage loans	3,819		3,228		560		567		3,521		61		3,145		67
Wholesale commercial lending	656		647		—		62		820		—		469		7
Nonresidential real estate loans	3,404		3,045		276		352		1,859		4		2,154		6
Land loans	2,499		1,264		1,232		135		1,264		—		1,669		—
Commercial loans - secured	462		272		190		34		553		1		403		1
	11,427		8,965		2,318		1,197		8,315		67		8,188		82
Total	$	31,986	$	26,577	$	4,174	$	1,197	$	24,231	$	149	$	22,684	$	189

	Loan Balance		Recorded Investment		Partial Charge-off		Allowance for Loan Losses Allocated		Average Investment in Impaired Loans		Interest Income Recognized
December 31, 2012
With no related allowance recorded:
One-to-four family residential real estate loans	$	5,250	$	4,216	$	1,027	$	—	$	2,814	$	149
One-to-four family residential real estate loans - non-owner occupied	567		534		34		—		4,322		90
Multi-family mortgage loans	2,959		2,106		819		—		9,303		189
Nonresidential real estate loans	11,850		9,220		2,490		—		6,218		347
Land loans	—		—		—		—		409		—
Commercial loans - secured	—		—		—		—		137		—
Commercial loans - other	529		52		477		—		25		21
Non-rated commercial leases	—		—		—		—		23		3
	21,155		16,128		4,847		—		23,251		799
With an allowance recorded:
One-to-four family residential real estate loans	—		—		—		—		2,500		—
One-to-four family residential real estate loans - non-owner occupied	626		499		128		137		1,996		13
Multi-family mortgage loans	3,182		2,645		521		729		6,562		20
Nonresidential real estate loans	2,825		2,549		266		401		21,077		20
Land loans	3,812		2,210		1,602		294		2,933		113
Commercial loans - secured	386		204		182		23		1,849		—
Commercial loans - unsecured	—		—		—		—		267		—
Non-rated commercial leases	—		—		—		—		36		—
Consumer loans	—		—		—		—		2		—
	10,831		8,107		2,699		1,584		37,222		166
Total	$	31,986	$	24,235	$	7,546	$	1,584	$	60,473	$	965

Purchased Impaired Loans

As a result of its acquisition of Downers Grove National Bank, the Company holds purchased loans for which there was evidence of deterioration of credit quality since origination and for which it was probable that all contractually required payments would not be collected as of the date of the acquisition. The carrying amount of these purchased impaired loans is as follows:

	June 30, 2013		December 31, 2012
One–to–four family residential real estate loans	$	396	$	380
Nonresidential real estate loans	1,607		2,568
Land loans	997		1,021
Commercial loans	21		20
Outstanding balance	$	3,021	$	3,989
Carrying amount, net of allowance ($52 at June 30, 2013, $110 at December 31, 2012)	$	2,969	$	3,879

Accretable yield, or income expected to be collected, related to purchased impaired loans is as follows:

	Three Months Ended June 30,				Six Months Ended June 30,
	2013		2012		2013		2012
Beginning balance	$	146	$	1,790	$	196	$	2,270
New loans purchased	—		—		—		—
Disposals	—		395		—		522
Reclassifications from nonaccretable difference	3		—		3		—
Accretion of income	49		563		99		916
Ending balance	$	100	$	832	$	100	$	832

For the above purchased impaired loans, the Company decreased the allowance for loan losses by $49,000 for the three months ended June 30, 2013 and $58,000 for the six months ended June 30, 2013. The allowance for loan losses was decreased by $114,000 for the three months ended June 30, 2012 and increased by $224,000 during the six months ended June 30, 2012.

Purchased impaired loans for which it was probable at the date of acquisition that all contractually required payments would not be collected are as follows:

	June 30, 2013		December 31, 2012
Contractually required payments receivable of loans purchased:
One-to-four family residential real estate loans	$	1,143	$	1,143
Nonresidential real estate loans	2,008		3,884
Land loans	1,600		1,600
Commercial loans	222		597
	$	4,973	$	7,224

At acquisition, cash flows expected to be collected were $18.8 million, compared to the fair value of purchased impaired loans of $15.4 million.

Nonaccrual loans

The following table presents the recorded investment in nonaccrual loans and loans past due over 90 days still on accrual by class of loans, excluding purchased impaired loans:

	Loan Balance		Recorded Investment		Loans Past Due Over 90 Days, Still Accruing
June 30, 2013
One-to-four family residential real estate loans	$	5,113	$	4,161	$	—
One-to-four family residential real estate loans – non owner occupied	1,543		1,341		—
Multi-family mortgage loans	12,586		11,788		234
Wholesale commercial lending	656		656		—
Nonresidential real estate loans	8,185		7,565		—
Land loans	2,953		1,609		—
Commercial loans – secured	1,115		906		—
Commercial loans – unsecured	520		146		—
Consumer loans	1		1		—
	$	32,672	$	28,173	$	234
December 31, 2012
One-to-four family residential real estate loans	$	7,286	$	6,154	$	70
One-to-four family residential real estate loans – non owner occupied	1,420		1,145		—
Multi-family mortgage loans	5,246		3,517		242
Nonresidential real estate loans	12,249		8,985		—
Land loans	3,817		2,210		—
Commercial loans – secured	386		204		—
Commercial loans – unsecured	552		52		17
	$	30,956	$	22,267	$	329

Nonaccrual loans and impaired loans are defined differently. Some loans may be included in both categories, and some may only be included in one category. Nonaccrual loans include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans.

The Company’s reserve for uncollected loan interest was $1.2 million and $942,000 at June 30, 2013 and December 31, 2012, respectively. Except for purchased impaired loans, when a loan is on non-accrual status and the ultimate collectability of the total principal of an impaired loan is in doubt, all payments are applied to principal under the cost recovery method. Alternatively, when a loan is on non-accrual status but there is doubt concerning only the ultimate collectability of interest, contractual interest is credited to interest income only when received, under the cash basis method pursuant to the provisions of FASB ASC 310–10, as applicable. In all cases, the average balances are calculated based on the month–end balances of the financing receivables within the period reported pursuant to the provisions of FASB ASC 310–10, as applicable.

Past Due Loans

The following tables present the aging of the recorded investment of loans at June 30, 2013 by class of loans:

	30-59 Days Past Due		60-89 Days Past Due		90 Days  or Greater Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate loans	$	618	$	413	$	3,051	$	4,082	$	143,283	$	147,365
One-to-four family residential real estate loans - non-owner occupied	509		—		1,204		1,713		50,121		51,834
Multi-family mortgage loans	352		857		9,331		10,540		292,688		303,228
Wholesale commercial lending	—		—		996		996		46,091		47,087
Nonresidential real estate loans	1,465		428		6,659		8,552		242,185		250,737
Construction loans	—		—		—		—		399		399
Land loans	117		31		1,375		1,523		4,209		5,732
Commercial loans:
Secured	—		76		527		603		18,768		19,371
Unsecured	44		25		85		154		4,796		4,950
Municipal loans	—		—		—		—		4,817		4,817
Warehouse lines	—		—		—		—		1,459		1,459
Health care	—		—		—		—		15,884		15,884
Other	—		—		—		—		5,369		5,369
Commercial leases:
Investment rated commercial leases	—		—		—		—		118,670		118,670
Below investment grade	—		—		—		—		9,428		9,428
Non-rated	—		—		—		—		26,782		26,782
Lease pools	—		—		—		—		3,652		3,652
Consumer loans	221		—		1		222		2,411		2,633
	$	3,326	$	1,830	$	23,229	$	28,385	$	991,012	$	1,019,397

	30-59 Days Past Due		60-89 Days Past Due		90 Days  or Greater Past Due		Total Past Due		Loans Not Past Due		Total
Purchased impaired loans
One-to-four family residential real estate loans - non-owner occupied	$	—	$	—	$	396	$	396	$	—	$	396
Nonresidential real estate loans	—		—		163		163		1,433		1,596
Land loans	—		—		996		996		—		996
Commercial loans – secured	—		—		22		22		—		22
	$	—	$	—	$	1,577	$	1,577	$	1,433	$	3,010

The following tables present the aging of the recorded investment of loans at December 31, 2012 by class of loans:

	30-59 Days Past Due		60-89 Days Past Due		90 Days  or Greater Past Due		Total Past Due		Loans Not Past Due		Total
One-to-four family residential real estate loans	$	1,584	$	778	$	4,463	$	6,825	$	153,279	$	160,104
One-to-four family residential real estate loans - non-owner occupied	855		579		249		1,683		55,906		57,589
Multi-family mortgage loans	5,393		3,049		3,218		11,660		291,103		302,763
Wholesale commercial lending	1,481		—		—		1,481		44,342		45,823
Nonresidential real estate loans	863		398		5,508		6,769		252,368		259,137
Land loans	702		1,220		630		2,552		4,956		7,508
Commercial loans:
Secured	659		3		204		866		22,336		23,202
Unsecured	81		78		16		175		5,774		5,949
Municipal loans	—		—		—		—		4,752		4,752
Warehouse lines	—		—		—		—		2,989		2,989
Health care	—		—		—		—		17,601		17,601
Other	—		—		—		—		6,977		6,977
Commercial leases:
Investment rated commercial leases	—		—		—		—		102,724		102,724
Below investment grade	—		—		—		—		9,294		9,294
Non-rated	—		—		—		—		25,657		25,657
Lease pools	—		—		—		—		3,028		3,028
Consumer loans	15		—		—		15		2,741		2,756
	$	11,633	$	6,105	$	14,288	$	32,026	$	1,005,827	$	1,037,853

	30-59 Days Past Due		60-89 Days Past Due		90 Days  or Greater Past Due		Total Past Due		Loans Not Past Due		Total
Purchased impaired loans
One-to-four family residential real estate loans - non-owner occupied	$	327	$	—	$	53	$	380	$	—	$	380
Nonresidential real estate loans	—		—		1,125		1,125		1,443		2,568
Land loans	—		—		1,021		1,021		—		1,021
Commercial loans – secured	—		—		20		20		—		20
	$	327	$	—	$	2,219	$	2,546	$	1,443	$	3,989

Troubled Debt Restructurings

The Company evaluates loan extensions or modifications in accordance with FASB ASC 310–40 with respect to the classification of the loan as a TDR. In general, if the Company grants a loan extension or modification to a borrower for other than an insignificant period of time that includes a below–market interest rate, principal forgiveness, payment forbearance or other concession intended to minimize the economic loss to the Company, the loan extension or loan modification is classified as a TDR. In cases where borrowers are granted new terms that provide for a reduction of either interest or principal then due and payable, management measures any impairment on the restructured loan in the same manner as for impaired loans as noted above.

The Company had $6.0 million of TDRs at June 30, 2013, compared to $11.2 million at December 31, 2013, with $283,000 in specific valuation reserves allocated to those loans at June 30, 2013 and $318,000 in specific valuation reserves allocated at December 31, 2012. The Company had no outstanding commitments to borrowers whose loans are classified as TDRs at either date.

The following table presents loans classified as TDRs:

	June 30, 2013		December 31, 2012
One-to-four family residential real estate	$	3,075	$	2,802
Multi-family mortgage	1,185		1,201
Nonresidential real estate	—		5,189
Troubled debt restructured loans – accrual loans	4,260		9,192
One-to-four family residential real estate	813		767
Multi-family mortgage	935		938
Nonresidential real estate	—		270
Troubled debt restructured loans – nonaccrual loans	1,748		1,975
Total troubled debt restructured loans	$	6,008	$	11,167

Periodically, the Company will restructure a note into two separate notes (A/B structure), charging off the entire B portion of the note. The A note is structured with appropriate loan-to-value and cash flow coverage ratios that provide for a high likelihood of repayment. The A note is classified as a non-performing note until the borrower has displayed a historical payment performance for a reasonable time prior to and subsequent to the restructuring. A period of sustained repayment for at least six months generally is required to return the A note to accrual status provided that management has determined that the performance is reasonably expected to continue. The A note will be classified as a restructured note (either performing or nonperforming) through the calendar year of the restructuring that the historical payment performance has been established. These notes will be no longer included in the above tables as a TDR in the subsequent calendar year.

During the three and six months ending June 30, 2013 and 2012, the terms of certain loans were modified and classified as TDRs. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

The following tables present TDR activity:

	Three Months Ended June 30,
	2013					2012
	Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment		Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment
One-to-four family residential real estate	2	$	566	$	566	5	$	267	$	267

	Due to reduction in interest rate		Due to extension of maturity date		Due to permanent reduction in recorded investment		Total
For the three months ended June 30, 2013
One-to-four family residential real estate	$	—	$	566	$	—	$	566
For the three months ended June 30, 2012
One-to-four family residential real estate	$	132	$	135	$	—	$	267

The TDRs described above had no impact on interest income, resulted in no change to the allowance for loan losses and resulted in no charge offs for the three months ended June 30, 2013. The TDRs described above had no impact on interest income, but increased the allowance for loan losses by $15,000 and resulted in no charge offs for the three months ended June 30, 2012.

	Six Months Ended June 30,
	2013					2012
	Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment		Number of loans	Pre- Modification outstanding recorded investment		Post- Modification outstanding recorded investment
One-to-four family residential real estate	3	$	950	$	950	7	$	659	$	659
Multi-family mortgage	—	—		—		1	700		500
Total	3	$	950	$	950	8	$	1,359	$	1,159

	Due to reduction in interest rate		Due to extension of maturity date		Due to permanent reduction in recorded investment		Total
For the six months ended June 30, 2013
One-to-four family residential real estate	$	—	$	950	$	—	$	950
Total	$	—	$	950	$	—	$	950
For the six months ended June 30, 2012
One-to-four family residential real estate	$	504	$	155	$	—	$	659
Multi-family mortgage	—		—		500		500
Total	$	504	$	155	$	500	$	1,159

The TDRs described above had no impact on interest income, resulted in no change to the allowance for loan losses and resulted in no charge offs for the six months ended June 30, 2013. The TDRs had no impact on interest income, but increased the allowance for loan losses by $198,000 and resulted in charge offs of $470,000 during the six months ended June 30, 2012.

The following table presents TDRs for which there was a payment default during the six months ending June 30, 2013 and 2012 within twelve months following the modification.

	2013			2012
	Number of loans	Recorded investment		Number of loans	Recorded investment
One-to-four family residential real estate	—	$	—	5	$	864
Nonresidential real estate	—	—		4	3,308
Total	—	$	—	9	$	4,172

A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms.

TDRs that subsequently defaulted increased the allowance for loan losses by $1.1 million during the six months ending June 30, 2012.

The terms of certain other loans were modified during the three and six months ending June 30, 2013 and 2012 that did not meet the definition of a TDR. These loans had a total recorded investment of $506,000 and $1.7 million at June 30, 2013 and 2012. The modification of these loans involved either a modification of the terms of a loan to borrowers who were not experiencing financial difficulties or a delay in a payment that was considered to be insignificant.

In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without the modification. This evaluation is performed under the Company’s internal underwriting policy.

Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, including current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually by classifying the loans based on credit risk. This analysis includes non-homogeneous loans, such as commercial and commercial real estate loans. This analysis is performed on a monthly basis. The Company uses the following definitions for risk ratings:

Special Mention. A Special Mention asset has potential weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the asset or in the institution’s credit position at some future date. Special Mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification.

Substandard/Performing. Loans categorized as substandard continue to accrue interest, but exhibit a well-defined weakness or weaknesses that may jeopardize the liquidation of the debt. The loans continue to accrue interest because they are well secured and collection of principal and interest is expected within a reasonable time. The risk rating guidance published by the Office of the Comptroller of the Currency clarifies that a loan with a well-defined weakness does not have to present a probability of default for the loan to be rated Substandard, and that an individual loan’s loss potential does not have to be distinct for the loan to be rated Substandard.

Nonaccrual. An asset classified Nonaccrual has all the weaknesses inherent in one classified Substandard/Performing with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered “Pass” rated loans.

As of June 30, 2013, based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

	Pass		Special Mention		Substandard/Performing		Nonaccrual		Total
One-to-four family residential real estate loans	$	143,242	$	126	$	903	$	3,333	$	147,604
One-to-four family residential real estate loans non-owner occupied	50,245		—		643		1,689		52,577
Multi-family mortgage loans	274,715		12,040		8,709		11,353		306,817
Wholesale commercial lending	44,350		—		1,767		990		47,107
Nonresidential real estate loans	191,127		39,449		16,185		8,668		255,429
Construction loans	399		—		—		—		399
Land loans	2,524		—		1,628		2,601		6,753
Commercial loans:
Secured	16,293		2,325		101		624		19,343
Unsecured	3,574		298		982		85		4,939
Municipal loans	4,751		—		—		—		4,751
Warehouse lines	1,447		—		—		—		1,447
Health care	14,298		1,572		—		—		15,870
Other	5,351		—		—		—		5,351
Commercial leases:
Investment rated commercial leases	118,010		—		—		—		118,010
Below investment grade	9,349		—		—		—		9,349
Non-rated	26,610		—		—		—		26,610
Lease pools	3,637		—		—		—		3,637
Consumer loans	2,621		—		—		1		2,622
Total	$	912,543	$	55,810	$	30,918	$	29,344	$	1,028,615

As of December 31, 2012, based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

	Pass		Special Mention		Substandard/Performing		Nonaccrual		Total
One-to-four family residential real estate loans	$	152,711	$	—	$	1,428	$	6,158	$	160,297
One-to-four family residential real estate loans non-owner occupied	51,849		1,486		3,440		1,524		58,299
Multi-family mortgage loans	275,338		6,139		21,128		3,559		306,164
Wholesale commercial lending	44,074		—		1,781		—		45,855
Nonresidential real estate loans	199,802		30,898		22,345		11,627		264,672
Construction loans	—		—		—		—		—
Land loans	2,769		158		2,394		3,231		8,552
Commercial loans:
Secured	19,579		2,418		988		225		23,210
Unsecured	4,061		323		1,497		52		5,933
Municipal loans	4,751		—		—		—		4,751
Warehouse lines	2,971		—		—		—		2,971
Health care	17,566		—		—		—		17,566
Other	6,957		—		—		—		6,957
Commercial leases:
Investment rated commercial leases	102,101		—		—		—		102,101
Below investment grade	9,205		—		—		—		9,205
Non-rated	25,466		—		—		—		25,466
Lease pools	3,011		—		—		—		3,011
Consumer loans	2,742		—		3		—		2,745
Total	$	924,953	$	41,422	$	55,004	$	26,376	$	1,047,755