Note 3: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)

12 Months Ended

Dec. 31, 2017

Tables/Schedules

Financing Receivable Credit Quality Indicators

The loan grading system is presented by loan class below:

	December 31, 2017
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
	(In Thousands)
One- to four-family residential
construction	$        20,275	$           518	$              --	$                  --	$               --	$      20,793
Subdivision construction	15,602	2,362	--	98	--	18,062
Land development	39,171	4,800	--	--	--	43,971
Commercial construction	1,068,352	--	--	--	--	1,068,352
Owner occupied one- to-four-
family residential	188,706	--	--	1,809	--	190,515
Non-owner occupied one- to-
four-family residential	117,103	389	--	1,976	--	119,468
Commercial real estate	1,218,431	9,909	--	6,989	--	1,235,329
Other residential	742,237	1,532	--	1,876	--	745,645
Commercial business	344,479	6,306	--	2,066	500	353,351
Industrial revenue bonds	21,859	--	--	--	--	21,859
Consumer auto	354,588	--	--	2,554	--	357,142
Consumer other	62,682	--	--	686	--	63,368
Home equity lines of credit	114,860	--	--	579	--	115,439
Acquired loans no longer covered
by FDIC loss sharing
agreements, net of discounts	155,212	--	--	12	--	155,224
Acquired non-covered loans,
net of discounts	54,445	--	--	--	--	54,445
Total	$  4,518,002	$     25,816	$              --	$        18,645	$           500	$ 4,562,963

	December 31, 2016
			Special
	Satisfactory	Watch	Mention	Substandard	Doubtful	Total
	(In Thousands)
One- to four-family residential
construction	$        20,771	$           966	$              --	$                  --	$               --	$      21,737
Subdivision construction	14,059	2,729	--	398	--	17,186
Land development	39,925	5,140	--	5,559	--	50,624
Commercial construction	780,614	--	--	--	--	780,614
Owner occupied one- to-four-
family residential	198,835	67	--	1,438	--	200,340
Non-owner occupied one- to-
four-family residential	135,930	465	--	529	--	136,924
Commercial real estate	1,160,280	20,154	--	6,472	--	1,186,906
Other residential	658,846	4,370	--	162	--	663,378
Commercial business	342,685	2,651	--	3,292	--	348,628
Industrial revenue bonds	25,065	--	--	--	--	25,065
Consumer auto	492,165	--	--	2,068	--	494,233
Consumer other	69,338	--	--	663	--	70,001
Home equity lines of credit	108,290	--	--	463	--	108,753
Acquired FDIC-covered loans,
net of discounts	134,356	--	--	--	--	134,356
Acquired loans no longer covered
by FDIC loss sharing
agreements, net of discounts	72,552	--	--	17	--	72,569
Acquired non-covered loans,
net of discounts	76,234	--	--	--	--	76,234
Total	$  4,329,945	$     36,542	$              --	$        21,061	$               --	$ 4,387,548