Loans (Tables)

3 Months Ended

Mar. 31, 2015

The following details our loan portfolio by category:


	March 31,		December 31
(In Thousands)	2015		2014
Commercial	$	923,070	$	920,072
Owner occupied commercial		797,400		788,598
Commercial mortgages		820,836		805,459
Construction		153,224		142,497
Residential		216,197		218,329
Consumer		324,232		327,543

	$	3,234,959	$	3,202,498
Less:
Deferred fees, net	$	6,314	$	6,420
Allowance for loan losses		39,507		39,426

Net loans	$	3,189,138	$	3,156,652

Schedule of Outstanding Principal Balance and Carrying Amounts for Acquired Credit-Impaired Loans

The following is the outstanding principal balance and carrying amounts for acquired credit impaired loans for which the company applies ASC 310-30 as of March 31, 2015.


(In Thousands)
Outstanding principal balance	$	21,925
Carrying amount	$	15,336
Allowance for Loan loss		N/A

Summary of Changes in Accretable Yield on Acquired Credit Impaired Loans

The following table presents the changes in accretable yield on the acquired credit impaired loans from January 1, 2015 to March 31, 2015.


(In Thousands)
Balance at beginning of period	$	1,498
Accretion		(179	)
Additions/adjustments		(3	)

Balance at the end of the period	$	1,316

First Wyoming Financial Corporation [Member]

Schedule of Loans Acquired Through Merger in Accordance with FASB ASC 310-30

The following table details the loans acquired through the FNBW merger on September 5, 2014 that are accounted for in accordance with FASB ASC 310-30, Loans and Debt Securities Acquired with Deteriorated Credit Quality (ASC 310-30).


(In Thousands)
Contractually required principal and interest at acquisition	$	27,086
Contractual cash flows not expected to be collected (nonaccretable difference)		7,956

Expected cash flows at acquisition		19,130
Interest component of expected cash flows (accretable yield)		1,790

Fair value of acquired loans accounted for under FASB ASC 310-30	$	17,340