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Allowance for Credit Losses and Allowance for Unfunded Commitments and Letters of Credit (Tables)
 3 Months Ended
Mar. 31, 2022
Financing Receivable, Allowance for Credit Loss [Line Items]  
Allowance for Credit Losses on Financing Receivables
The following tables show a detailed analysis of the ACL for the periods indicated:
Beginning BalanceCharge-offsRecoveriesProvision
(Recapture)		Ending Balance
Three Months Ended March 31, 2022(in thousands)
Commercial loans:
Commercial real estate$61,254 $— $14 $(3,961)$57,307 
Commercial business54,712 (1,632)291 (2,897)50,474 
Agriculture8,148 (23)125 (240)8,010 
Construction5,397 — 8 (6)5,399 
Consumer loans:
One-to-four family residential real estate24,123 — 294 (61)24,356 
Other consumer1,944 (246)340 (635)1,403 
Total$155,578 $(1,901)$1,072 $(7,800)$146,949 
Beginning BalanceCharge-offsRecoveriesProvision
(Recapture)		Ending Balance
Three Months Ended March 31, 2021(in thousands)
Commercial loans:
Commercial real estate$68,934 $— $36 $(11,920)$57,050 
Commercial business45,250 (3,339)3,214 13,280 58,405 
Agriculture9,052 — 12 423 9,487 
Construction7,636 — 46 (1,131)6,551 
Consumer loans:
One-to-four family residential real estate16,875 — 51 (1,288)15,638 
Other consumer1,393 (127)61 (164)1,163 
Total$149,140 $(3,466)$3,420 $(800)$148,294 
Changes in the Allowance for Unfunded Commitments and Letters of Credit
Changes in the allowance for unfunded commitments and letters of credit, a component of “Other liabilities” in the Consolidated Balance Sheets, are summarized as follows:
Three Months Ended March 31,
20222021
(in thousands)
Beginning balance$8,500 $8,300 
Net changes in the allowance for unfunded commitments and letters of credit500 1,500 
Ending balance$9,000 $9,800 
Financing Receivable Credit Quality Indicators The following is an analysis of the credit quality of our loan portfolio as of the periods indicated:
Revolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
 Term Loans
Amortized Cost Basis by Origination Year
20222021202020192018PriorTotal
March 31, 2022(in thousands)
Commercial loans:
Commercial real estate
Pass$237,545 $1,053,628 $746,400 $669,287 $492,695 $1,605,407 $59,752 $3,618 $4,868,332 
Special mention— — 1,381 16,450 — 26,154 — — 43,985 
Substandard— 927 2,551 29,267 5,728 95,683 999 — 135,155 
Total commercial real estate$237,545 $1,054,555 $750,332 $715,004 $498,423 $1,727,244 $60,751 $3,618 $5,047,472 
Commercial business
Pass$129,275 $794,588 $408,780 $262,133 $203,962 $351,159 $1,198,963 $3,410 $3,352,270 
Special mention— 677 355 6,485 372 — 16,898 330 25,117 
Substandard— 3,831 4,045 18,627 24,648 31,317 32,302 150 114,920 
Total commercial business$129,275 $799,096 $413,180 $287,245 $228,982 $382,476 $1,248,163 $3,890 $3,492,307 
Agriculture
Pass$26,826 $141,085 $81,501 $76,041 $27,547 $119,214 $246,062 $226 $718,502 
Special mention— 154 — 428 — — 665 — 1,247 
Substandard— 1,597 7,515 3,235 414 5,059 27,750 — 45,570 
Total agriculture$26,826 $142,836 $89,016 $79,704 $27,961 $124,273 $274,477 $226 $765,319 
Construction
Pass$31,991 $247,354 $46,517 $14,346 $3,169 $5,498 $58,569 $— $407,444 
Substandard— — — 1,746 — 52 — — 1,798 
Total construction$31,991 $247,354 $46,517 $16,092 $3,169 $5,550 $58,569 $— $409,242 
Consumer loans:
One-to-four family residential real estate
Pass$39,826 $377,035 $131,139 $49,382 $44,964 $108,061 $248,949 $249 $999,605 
Substandard— 774 461 101 524 1,542 3 147 3,552 
Total one-to-four family real estate$39,826 $377,809 $131,600 $49,483 $45,488 $109,603 $248,952 $396 $1,003,157 
Other consumer
Pass$4,351 $4,139 $2,192 $1,643 $2,190 $11,509 $16,055 $73 $42,152 
Substandard— 21 — — — 13 — 1 35 
Total consumer$4,351 $4,160 $2,192 $1,643 $2,190 $11,522 $16,055 $74 $42,187 
Total$469,814 $2,625,810 $1,432,837 $1,149,171 $806,213 $2,360,668 $1,906,967 $8,204 $10,759,684 
Less:
Allowance for credit losses146,949 
Loans, net$10,612,735 
Revolving Loans Amortized Cost BasisRevolving Loans Converted to Term Loans Amortized Cost Basis
Term Loans
Amortized Cost Basis by Origination Year
20212020201920182017PriorTotal
December 31, 2021(in thousands)
Commercial loans:
Commercial real estate
Pass$1,068,493 $760,545 $650,593 $492,348 $515,233 $1,180,115 $74,754 $3,644 $4,745,725 
Special mention2,252 — 19,016 6,196 163 27,270 — 2,199 57,096 
Substandard4,119 5,897 45,769 9,112 29,917 82,599 1,029 — 178,442 
Total commercial real estate$1,074,864 $766,442 $715,378 $507,656 $545,313 $1,289,984 $75,783 $5,843 $4,981,263 
Commercial business
Pass$891,957 $426,004 $280,823 $217,605 $144,363 $232,356 $1,028,616 $35,411 $3,257,135 
Special mention621 135 6,097 747 105 51 34,256 236 42,248 
Substandard4,329 4,610 18,393 28,066 20,568 27,462 18,796 1,661 123,885 
Total commercial business$896,907 $430,749 $305,313 $246,418 $165,036 $259,869 $1,081,668 $37,308 $3,423,268 
Agriculture
Pass$147,561 $87,964 $74,658 $29,739 $46,058 $79,693 $266,573 $5,448 $737,694 
Special mention162 — 445 — — — 565 — 1,172 
Substandard— 7,717 9,148 1,616 5,532 1,833 29,125 1,878 56,849 
Total agriculture$147,723 $95,681 $84,251 $31,355 $51,590 $81,526 $296,263 $7,326 $795,715 
Construction
Pass$228,661 $53,880 $35,795 $3,183 $3,285 $2,189 $55,765 $— $382,758 
Substandard— — 1,748 — — 249 — — 1,997 
Total construction$228,661 $53,880 $37,543 $3,183 $3,285 $2,438 $55,765 $— $384,755 
Consumer loans:
One-to-four family real estate
Pass$390,153 $140,799 $56,520 $51,549 $32,447 $111,307 $222,747 $1,347 $1,006,869 
Substandard85 470 183 562 234 4,736 485 284 7,039 
Total one-to-four family real estate$390,238 $141,269 $56,703 $52,111 $32,681 $116,043 $223,232 $1,631 $1,013,908 
Other consumer
Pass$7,045 $2,711 $1,950 $13,489 $560 $1,277 $15,853 $97 $42,982 
Substandard— — — — 1 13 23 9 46 
Total consumer$7,045 $2,711 $1,950 $13,489 $561 $1,290 $15,876 $106 $43,028 
Total$2,745,438 $1,490,732 $1,201,138 $854,212 $798,466 $1,751,150 $1,748,587 $52,214 $10,641,937 
Less:
Allowance for credit losses155,578 
Loans, net$10,486,359