LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2015

Schedule of Loans Receivable, Including Loans Held for Sale

Loans receivable, including loans held for sale, at June 30, 2015 and December 31, 2014 are summarized as follows (dollars in thousands):



	June 30, 2015					December 31, 2014
	Amount			Percent of Total		Amount			Percent of Total
Commercial real estate:
Owner-occupied	$	616,324		14.5	%	$	546,783		14.3	%
Investment properties	996,714			23.5		856,942			22.3
Multifamily real estate	205,276			4.8		167,524			4.4
Commercial construction	45,137			1.1		17,337			0.4
Multifamily construction	60,075			1.4		60,193			1.6
One- to four-family construction	230,554			5.4		219,889			5.7
Land and land development:
Residential	105,146			2.5		102,435			2.7
Commercial	16,419			0.4		11,152			0.3
Commercial business	811,623			19.1		723,964			18.9
Agricultural business, including secured by farmland	230,964			5.4		238,499			6.2
One- to four-family residential	542,961			12.8		539,894			14.1
Consumer:
Consumer secured by one- to four-family	244,216			5.8		222,205			5.8
Consumer—other	141,067			3.3		127,003			3.3
Total loans outstanding	4,246,476			100.0	%	3,833,820			100.0	%
Less allowance for loan losses	(77,329		)			(75,907		)
Net loans	$	4,169,147				$	3,757,913

Loan amounts are net of unearned loan fees in excess of unamortized costs of $10.1 million as of June 30, 2015 and $5.8 million as of December 31, 2014. Net loans include net discounts on acquired loans of $4.6 million and $148,000 as of June 30, 2015 and December 31, 2014, respectively.

Schedule of Loans Receivable by Geographic Location

The Company’s total loans by geographic concentration at June 30, 2015 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Other			Total
Commercial real estate:
Owner-occupied	$	385,348		$	149,324		$	60,010		$	21,642		$	616,324
Investment properties	527,840			193,605			60,677			214,592			996,714
Multifamily real estate	116,599			74,095			14,582			—			205,276
Commercial construction	40,030			1,767			3,340			—			45,137
Multifamily construction	43,011			13,265			3,799			—			60,075
One- to four-family construction	121,261			105,505			3,191			597			230,554
Land and land development:
Residential	57,586			46,094			1,016			450			105,146
Commercial	5,590			8,029			2,800			—			16,419
Commercial business	431,957			154,264			98,252			127,150			811,623
Agricultural business, including secured by farmland	111,190			73,630			46,044			100			230,964
One- to four-family residential	333,172			186,311			22,749			729			542,961
Consumer:
Consumer secured by one- to four-family	149,376			77,119			16,728			993			244,216
Consumer—other	83,324			50,995			6,366			382			141,067
Total loans	$	2,406,284		$	1,134,003		$	339,554		$	366,635		$	4,246,476
Percent of total loans	56.7		%	26.7		%	8.0		%	8.6		%	100.0		%

Schedule of Land and Land Development Loans Receivable by State

The geographic concentrations of the Company’s land and land development loans by state at June 30, 2015 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Other			Total
Residential:
Acquisition and development	$	32,047		$	24,220		$	876		$	—		$	57,143
Improved land and lots	22,292			18,273			140			450			41,155
Unimproved land	3,247			3,601			—			—			6,848
Commercial:
Improved land and lots	3,362			5,742			1,805			—			10,909
Unimproved land	2,228			2,287			995			—			5,510
Total land and land development loans	$	63,176		$	54,123		$	3,816		$	450		$	121,565
Percent of land and land development loans	52.0		%	44.5		%	3.1		%	0.4		%	100.0		%

Schedule of Adjustable and Fixed Rate Loans by Contractual Maturity Date

The Company originates both adjustable- and fixed-rate loans. The maturity and repricing composition of those loans, less undisbursed amounts and deferred fees and origination costs, at June 30, 2015 and December 31, 2014 were as follows (in thousands):



	June 30, 2015		December 31, 2014
Fixed-rate (term to maturity):
Maturing in one year or less	$	142,073	$	115,571
Maturing after one year through three years	221,958		184,707
Maturing after three years through five years	175,126		180,449
Maturing after five years through ten years	253,935		240,742
Maturing after ten years	495,890		572,793
Total fixed-rate loans	1,288,982		1,294,262
Adjustable-rate (term to rate adjustment):
Maturing or repricing in one year or less	1,596,440		1,468,316
Maturing or repricing after one year through three years	569,449		416,433
Maturing or repricing after three years through five years	577,185		566,371
Maturing or repricing after five years through ten years	158,566		87,506
Maturing or repricing after ten years	55,854		932
Total adjustable-rate loans	2,957,494		2,539,558
Total loans	$	4,246,476	$	3,833,820

Schedule of Purchased Credit-Impaired Loans, Changes in Accretable Yield

The following table presents the changes in the accretable yield for purchased credit-impaired loans for the three and six months ended June 30, 2015 and 2014 (in thousands):



	Three Months Ended June 30					Six Months Ended June 30
	2015			2014		2015			2014
Balance, beginning of period	$	2,204		$	—	$	—		$	—
Additions	—			—		2,239			—
Accretion to interest income	(55		)	—		(90		)	—
Disposals	—			—		—			—
Reclassifications from non-accretable difference	—			—		—			—
Balance, end of period	$	2,149		$	—	$	2,149		$	—

Schedule of Impaired Loans and Related Allocated Reserve for Loan Losses

The amount of impaired loans, including purchased credit-impaired loans, and the related allocated reserve for loan losses as of June 30, 2015 and December 31, 2014 were as follows (in thousands):



	June 30, 2015				December 31, 2014
	Loan Amount		Allocated Reserves		Loan Amount		Allocated Reserves
Impaired loans:
Nonaccrual loans
Commercial real estate:
Owner-occupied	$	1,052	$	32	$	1,365	$	20
Investment properties	19		3		32		5
Land and land development:
Residential	1,254		—		1,275		—
Commercial	1,900		—		—		—
Commercial business	179		9		537		46
Agricultural business, including secured by farmland	1,560		123		1,597		26
One- to four-family residential	5,662		4		8,507		35
Consumer:
Consumer secured by one- to four-family	742		36		838		47
Consumer—other	119		1		411		—
Total nonaccrual loans	12,487		208		14,562		179

Loans 90 days or more past due and still accruing
Commercial real estate:
Owner-occupied	1,835		—		—		—
Multifamily real estate	570		—		—		—
One- to four-family construction	1,186		—		—		—
Land and land development:
Commercial	4,765		—		—		—
One- to four-family residential	1,976		152		2,095		10
Consumer:
Consumer secured by one- to four-family	—		—		80		—
Consumer—other	472		—		—		—
Total loans 90 days or more past due and still accruing	10,804		152		2,175		10

Troubled debt restructuring, performing under restructured terms, on accrual status:
Commercial real estate:
Owner-occupied	183		4		184		4
Investment properties	5,912		625		6,021		724
Multifamily real estate	776		82		786		86
One- to four-family construction	2,434		261		3,923		640
Land and land development:
Residential	1,227		257		1,279		346
Commercial business	687		75		739		82
Agricultural business, including secured by farmland	694		16		—		—
One- to four-family residential	13,810		869		15,792		987
Consumer:
Consumer secured by one- to four-family	211		24		233		28
Consumer—other	180		5		197		6
Total troubled debt restructurings on accrual status	26,114		2,218		29,154		2,903
Total impaired loans	$	49,405	$	2,578	$	45,891	$	3,092

As of June 30, 2015 and December 31, 2014, the Company had commitments to advance funds related to TDRs up to additional amounts of $660,000 and $2.1 million, respectively.

Schedule of Impaired Loans With and Without Specific Reserves

The following tables provide additional information on impaired loans, including purchased credit-impaired loans, with and without specific allowance reserves at or for the six months ended June 30, 2015 and at or for the year ended December 31, 2014 (in thousands):



	At or For the Six Months Ended June 30, 2015
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate:
Owner-occupied	$	2,759	$	2,809	$	32	$	1,245	$	34
Investment properties	19		19		3		24		—
Multifamily real estate	570		570		—		95		18
One- to four-family construction	1,186		1,224		—		889		28
Land and land development:
Commercial	4,765		5,340		—		3,212		87
Commercial business	179		186		9		215		—
Agricultural business/farmland	1,008		1,333		123		1,163		—
One- to four-family residential	5,936		6,553		13		6,232		1
Consumer:
Consumer secured by one- to four-family	610		685		2		626		—
Consumer—other	591		780		1		490		9
	17,623		19,499		183		14,191		177
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	312		312		4		403		5
Investment properties	5,912		6,316		626		5,945		152
Multifamily real estate	776		776		82		780		11
One- to-four family construction	2,434		2,434		262		2,313		58
Land and land development:
Residential	2,481		3,637		257		2,524		31
Commercial	1,900		1,900		—		1,900		—
Commercial business	687		687		75		698		19
Agricultural business/farmland	1,246		1,246		16		1,207		10
One- to four-family residential	15,511		16,274		1,011		16,021		379
Consumer:
Consumer secured by one- to four-family	343		343		57		362		7
Consumer—other	180		196		5		183		9
	31,782		34,121		2,395		32,336		681
Total
Commercial real estate:
Owner-occupied	3,071		3,121		36		1,648		39
Investment properties	5,931		6,335		629		5,969		152
Multifamily real estate	1,346		1,346		82		875		29
One- to four-family construction	3,620		3,658		262		3,202		86
Land and land development:
Residential	2,481		3,637		257		2,524		31
Commercial	6,665		7,240		—		5,112		87
Commercial business	866		873		84		913		19
Agricultural business/farmland	2,254		2,579		139		2,370		10
One- to four-family residential	21,447		22,827		1,024		22,253		380
Consumer:
Consumer secured by one- to four-family	953		1,028		59		988		7
Consumer—other	771		976		6		673		18
	$	49,405	$	53,620	$	2,578	$	46,527	$	858



	At or For the Year Ended December 31, 2014
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate:
Owner-occupied	$	399	$	449	$	20	$	526	$	—
Investment properties	32		32		5		44		—
Commercial business	537		763		46		566		—
Agricultural business/farmland	853		853		26		1,122		—
One- to four-family residential	8,546		9,244		18		7,284		29
Consumer:
Consumer secured by one- to four-family	783		888		11		838		3
Consumer—other	295		305		—		270		—
	11,445		12,534		126		10,650		32
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	1,149		1,149		4		1,315		12
Investment properties	6,022		6,426		724		6,101		315
Multifamily real estate	786		786		86		795		45
One- to-four family construction	3,923		3,923		640		2,655		118
Land and land development:
Residential	2,554		3,710		346		2,872		89
Commercial business	739		739		82		762		41
Agricultural business/farmland	744		744		—		744		—
One- to four-family residential	17,848		18,611		1,014		18,809		841
Consumer:
Consumer secured by one- to four-family	368		368		64		410		16
Consumer—other	313		329		6		327		19
	34,446		36,785		2,966		34,790		1,496
Total
Commercial real estate
Owner-occupied	1,548		1,598		24		1,841		12
Investment properties	6,054		6,458		729		6,145		315
Multifamily real estate	786		786		86		795		45
One- to four-family construction	3,923		3,923		640		2,655		118
Land and land development
Residential	2,554		3,710		346		2,872		89
Commercial business	1,276		1,502		128		1,328		41
Agricultural business/farmland	1,597		1,597		26		1,866		—
One- to four-family residential	26,394		27,855		1,032		26,093		870
Consumer
Consumer secured by one- to four-family	1,151		1,256		75		1,248		19
Consumer—other	608		634		6		597		19
	$	45,891	$	49,319	$	3,092	$	45,440	$	1,528


⁽¹⁾	Loans without a specific allowance reserve have not been individually evaluated for impairment, but have been included in pools of homogeneous loans for evaluation of related allowance reserves.

⁽²⁾

Loans with a specific allowance reserve have been individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals less costs to sell to establish realizable value. These analyses may identify a specific impairment amount needed or may conclude that no reserve is needed. Any specific impairment that is identified is included in the category’s Related Allowance column.

Schedule of Troubled Debt Restructurings

The following tables present TDRs at June 30, 2015 and December 31, 2014 (in thousands):



	June 30, 2015
	Accrual Status		Nonaccrual Status		Total TDRs
Commercial real estate:
Owner-occupied	$	183	$	106	$	289
Investment properties	5,912		19		5,931
Multifamily real estate	776		—		776
One- to four-family construction	2,434		—		2,434
Land and land development:
Residential	1,227		504		1,731
Commercial business	687		—		687
Agricultural business, including secured by farmland	694		—		694
One- to four-family residential	14,401		1,069		15,470
Consumer:
Consumer secured by one- to four-family	211		59		270
Consumer—other	180		2		182
	$	26,705	$	1,759	$	28,464



	December 31, 2014
	Accrual Status		Nonaccrual Status		Total TDRs
Commercial real estate:
Owner-occupied	$	183	$	109	$	292
Investment properties	6,021		32		6,053
Multifamily real estate	786		—		786
One- to four-family construction	3,923		—		3,923
Land and land development:
Residential	1,279		525		1,804
Commercial business	739		87		826
One- to four-family residential	15,793		1,363		17,156
Consumer:
Consumer secured by one- to four-family	233		117		350
Consumer—other	197		116		313
	$	29,154	$	2,349	$	31,503

Schedule of Newly Restructured Loans

The following tables present new TDRs that occurred during the three and six months ended June 30, 2015 and 2014 (dollars in thousands):



	Three Months Ended June 30, 2015					Six Months Ended June 30, 2015
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment		Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Land and land development—residential	2	$	504	$	504	2	$	504	$	504
Agricultural business/farmland	1	416		416		3	694		694
One- to four-family residential	—	—		—		2	592		592
	3	$	920	$	920	7	$	1,790	$	1,790

	Three Months Ended June 30, 2014					Six Months Ended June 30, 2014
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment		Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate
Owner-occupied	—	$	—	$	—	1	$	94	$	94
One- to four-family construction	4	980		980		4	980		980
Commercial business	—	—		—		1	100		100
	4	$	980	$	980	6	$	1,174	$	1,174


⁽¹⁾	Since these loans were already considered classified and/or on nonaccrual status prior to restructuring, the modifications did not have a material effect on the Company’s determination of the allowance for loan losses.


⁽²⁾	The majority of these modifications do not fit into one separate type, such as rate, term, amount, interest-only or payment, but instead are a combination of multiple types of modifications; therefore, they are disclosed in aggregate.

Schedule of Troubled Debt Restructurings Which Incurred A Payment Default

TDRs which incurred a payment default within twelve months of the restructure date during the three and six-month periods ended June 30, 2015. There was one TDR which incurred a payment default within twelve months of the restructure date during the six-month period ended June 30, 2014 and none during the three-month period ended June 30, 2014. A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off, or both.

Schedule of the Company's Portfolio of Risk-Rated Loans and Non-Risk Rated Loans by Grade and Other Characteristics

The following table shows the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of June 30, 2015 and December 31, 2014 (in thousands):



	June 30, 2015
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,585,198	$	203,580	$	440,657	$	789,478	$	219,667	$	533,293	$	382,197	$	4,154,070
Special mention	6,122		—		—		15,468		7,935		150		85		29,760
Substandard	21,718		1,696		16,674		6,677		3,362		9,518		2,989		62,634
Doubtful	—		—		—		—		—		—		12		12
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,613,038	$	205,276	$	457,331	$	811,623	$	230,964	$	542,961	$	385,283	$	4,246,476

Performing loans	$	1,610,132	$	204,706	$	448,226	$	811,444	$	229,404	$	535,323	$	383,950	$	4,223,185
Non-performing loans ⁽²⁾	2,906		570		9,105		179		1,560		7,638		1,333		23,291
Total loans	$	1,613,038	$	205,276	$	457,331	$	811,623	$	230,964	$	542,961	$	385,283	$	4,246,476

	December 31, 2014
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,375,885	$	166,712	$	395,356	$	691,143	$	234,101	$	527,384	$	346,456	$	3,737,037
Special mention	3,717		—		—		27,453		1,055		63		140		32,428
Substandard	24,123		812		15,650		5,368		3,343		12,447		2,601		64,344
Doubtful	—		—		—		—		—		—		11		11
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,403,725	$	167,524	$	411,006	$	723,964	$	238,499	$	539,894	$	349,208	$	3,833,820

Performing loans	$	1,402,328	$	167,524	$	409,731	$	723,427	$	236,902	$	529,292	$	347,879	$	3,817,083
Non-performing loans ⁽²⁾	1,397		—		1,275		537		1,597		10,602		1,329		16,737
Total loans	$	1,403,725	$	167,524	$	411,006	$	723,964	$	238,499	$	539,894	$	349,208	$	3,833,820

⁽¹⁾

The Pass category includes some performing loans that are part of homogenous pools which are not individually risk-rated. This includes all consumer loans, all one- to four-family residential loans and, as of June 30, 2015 and December 31, 2014, in the commercial business category, $138 million and $115 million, respectively, of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.


⁽²⁾	Non-performing loans include non-accrual loans and loans past due greater than 90 days and on accrual status.

Schedule of Age Analysis of the Company's Past Due Loans

The following tables provide additional detail on the age analysis of the Company’s past due loans as of June 30, 2015 and December 31, 2014 (in thousands):



	June 30, 2015
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due ⁽¹⁾		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing ⁽¹⁾
Commercial real estate:
Owner-occupied	$	139	$	—	$	2,507	$	2,646	$	613,678	$	616,324	$	1,835
Investment properties	—		—		—		—		996,714		996,714		—
Multifamily real estate	—		—		570		570		204,706		205,276		570
Commercial construction	—		—		—		—		45,137		45,137		—
Multifamily construction	—		—		—		—		60,075		60,075		—
One-to-four-family construction	—		—		1,186		1,186		229,368		230,554		1,186
Land and land development:
Residential	—		—		750		750		104,396		105,146		—
Commercial	—		—		6,664		6,664		9,755		16,419		4,765
Commercial business	830		455		7		1,292		810,331		811,623		—
Agricultural business, including secured by farmland	156		—		1,417		1,573		229,391		230,964		—
One- to four-family residential	474		2,607		4,904		7,985		534,976		542,961		1,976
Consumer:
Consumer secured by one- to four-family	150		41		163		354		243,862		244,216		—
Consumer—other	267		119		547		933		140,134		141,067		472
Total	$	2,016	$	3,222	$	18,715	$	23,953	$	4,222,523	$	4,246,476	$	10,804

⁽¹⁾ Includes purchase credit-impaired loans.



	December 31, 2014
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied	$	—	$	1,984	$	—	$	1,984	$	544,799	$	546,783	$	—
Investment properties	639		—		—		639		856,303		856,942		—
Multifamily real estate	—		—		—		—		167,524		167,524		—
Commercial construction	—		—		—		—		17,337		17,337		—
Multifamily construction	—		—		—		—		60,193		60,193		—
One-to-four-family construction	840		—		—		840		219,049		219,889		—
Land and land development:
Residential	759		—		750		1,509		100,926		102,435		—
Commercial	—		—		—		—		11,152		11,152		—
Commercial business	775		35		100		910		723,054		723,964		—
Agricultural business, including secured by farmland	597		466		744		1,807		236,692		238,499		—
One-to four-family residential	877		1,623		7,526		10,026		529,868		539,894		2,095
Consumer:
Consumer secured by one- to four-family	59		60		139		258		221,947		222,205		80
Consumer—other	491		88		293		872		126,131		127,003		—
Total	$	5,037	$	4,256	$	9,552	$	18,845	$	3,814,975	$	3,833,820	$	2,175

Allowance for Credit Losses on Financing Receivables

The following tables provide additional information on the allowance for loan losses and loan balances individually and collectively evaluated for impairment at or for the three and six months ended June 30, 2015 and 2014 (in thousands):



	For the Three Months Ended June 30, 2015
	Commercial Real Estate			Multifamily Real Estate			Construction and Land			Commercial Business			Agricultural Business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	19,103		$	4,401		$	24,398		$	12,892		$	3,732		$	8,141		$	585		$	2,113		$	75,365
Provision for loan losses	(288		)	(241		)	176			120			(2,032		)	348			522			1,395			—
Recoveries	197			113			843			499			1,225			93			236			—			3,206
Charge-offs	(64		)	—			(2		)	(327		)	(246		)	(40		)	(563		)	—			(1,242		)
Ending balance	$	18,948		$	4,273		$	25,415		$	13,184		$	2,679		$	8,542		$	780		$	3,508		$	77,329

	For the Six Months Ended June 30, 2015
	Commercial Real Estate			Multifamily Real Estate			Construction and Land			Commercial Business			Agricultural business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	18,784		$	4,562		$	23,545		$	12,043		$	2,821		$	8,447		$	483		$	5,222		$	75,907
Provision for loan losses	17			(402		)	921			898			(598		)	111			767			(1,714		)	—
Recoveries	211			113			951			677			1,520			99			282			—			3,853
Charge-offs	(64		)	—			(2		)	(434		)	(1,064		)	(115		)	(752		)	—			(2,431		)
Ending balance	$	18,948		$	4,273		$	25,415		$	13,184		$	2,679		$	8,542		$	780		$	3,508		$	77,329



	June 30, 2015
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Allowance individually evaluated for impairment	$	630	$	82	$	519	$	75	$	16	$	1,011	$	62	$	—	$	2,395
Allowance collectively evaluated for impairment	18,318		4,191		24,896		13,109		2,663		7,531		718		3,508		74,934
Total allowance for loan losses	$	18,948	$	4,273	$	25,415	$	13,184	$	2,679	$	8,542	$	780	$	3,508	$	77,329



Loan balances:
Loans individually evaluated for impairment	$	6,224	$	776	$	6,815	$	687	$	1,246	$	15,511	$	523	$	—	$	31,782
Loans collectively evaluated for impairment	1,602,294		204,500		450,516		810,936		229,718		526,548		384,754		—		4,209,266
Loans acquired with deteriorated credit quality	4,520		—		—		—		—		902		6		—		5,428
Total loans	$	1,613,038	$	205,276	$	457,331	$	811,623	$	230,964	$	542,961	$	385,283	$	—	$	4,246,476



	For the Three Months Ended June 30, 2014
	Commercial Real Estate			Multifamily Real Estate		Construction and Land			Commercial Business			Agricultural Business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	17,412		$	5,652	$	18,620		$	11,363		$	2,636		$	10,913		$	912		$	6,863		$	74,371
Provision for loan losses	2,199			113		(1,048		)	625			(123		)	(1,833		)	(38		)	105			—
Recoveries	274			—		472			286			311			204			58			—			1,605
Charge-offs	(1,001		)	—		(207		)	(260		)	—			(14		)	(184		)	—			(1,666		)
Ending balance	$	18,884		$	5,765	$	17,837		$	12,014		$	2,824		$	9,270		$	748		$	6,968		$	74,310

	For the Six Months Ended June 30, 2014
	Commercial Real Estate			Multifamily Real Estate		Construction and Land			Commercial Business			Agricultural business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	16,759		$	5,306	$	17,640		$	11,773		$	2,841		$	11,486		$	1,335		$	7,118		$	74,258
Provision for loan losses	2,794			459		(300		)	660			(678		)	(2,215		)	(570		)	(150		)	—
Recoveries	570			—		704			579			661			392			340			—			3,246
Charge-offs	(1,239		)	—		(207		)	(998		)	—			(393		)	(357		)	—			(3,194		)
Ending balance	$	18,884		$	5,765	$	17,837		$	12,014		$	2,824		$	9,270		$	748		$	6,968		$	74,310



	June 30, 2014
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Allowance individually evaluated for impairment	$	751	$	850	$	1,291	$	162	$	—	$	1,170	$	99	$	—	$	4,323
Allowance collectively evaluated for impairment	18,133		4,915		16,546		11,852		2,824		8,100		649		6,968		69,987
Total allowance for loan losses	$	18,884	$	5,765	$	17,837	$	12,014	$	2,824	$	9,270	$	748	$	6,968	$	74,310



Loan balances:
Loans individually evaluated for impairment	$	8,060	$	5,705	$	7,765	$	989	$	—	$	21,133	$	979	$	—	$	44,631
Loans collectively evaluated for impairment	1,340,997		183,087		341,860		734,139		245,742		537,611		334,532		—		3,717,968
Total loans	$	1,349,057	$	188,792	$	349,625	$	735,128	$	245,742	$	558,744	$	335,511	$	—	$	3,762,599