LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES

9 Months Ended

Sep. 30, 2015

Receivables [Abstract]

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES

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

	September 30, 2015					December 31, 2014
	Amount			Percent of Total		Amount			Percent of Total
Commercial real estate:
Owner-occupied	$	635,146		14.5	%	$	546,783		14.3	%
Investment properties	1,062,418			24.3		856,942			22.3
Multifamily real estate	198,874			4.6		167,524			4.4
Commercial construction	47,490			1.1		17,337			0.4
Multifamily construction	72,987			1.7		60,193			1.6
One- to four-family construction	246,715			5.6		219,889			5.7
Land and land development:
Residential	111,091			2.5		102,435			2.7
Commercial	15,517			0.4		11,152			0.3
Commercial business	812,070			18.6		723,964			18.9
Agricultural business, including secured by farmland	242,556			5.5		238,499			6.2
One- to four-family residential	536,325			12.3		539,894			14.1
Consumer:
Consumer secured by one- to four-family	250,029			5.7		222,205			5.8
Consumer—other	141,376			3.2		127,003			3.3
Total loans outstanding	4,372,594			100.0	%	3,833,820			100.0	%
Less allowance for loan losses	(77,320		)			(75,907		)
Net loans	$	4,295,274				$	3,757,913

Loan amounts are net of unearned loan fees in excess of unamortized costs of $10.0 million as of September 30, 2015 and $5.8 million as of December 31, 2014. Net loans include net discounts on acquired loans of $4.3 million and $148,000 as of September 30, 2015 and December 31, 2014, respectively.

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 September 30, 2015 were as follows (in thousands):

	September 30, 2015
Fixed-rate (term to maturity):
Maturing in one year or less	$	150,889
Maturing after one year through three years	203,434
Maturing after three years through five years	165,674
Maturing after five years through ten years	272,660
Maturing after ten years	482,673
Total fixed-rate loans	1,275,330
Adjustable-rate (term to rate adjustment):
Maturing or repricing in one year or less	1,631,649
Maturing or repricing after one year through three years	606,056
Maturing or repricing after three years through five years	605,590
Maturing or repricing after five years through ten years	225,164
Maturing or repricing after ten years	28,805
Total adjustable-rate loans	3,097,264
Total loans	$	4,372,594

The adjustable-rate loans have various interest rate adjustment limitations and are generally indexed to various prime or London Inter-bank Offering Rate (LIBOR) rates, One to Five Year Constant Maturity Treasury Indices or FHLB advance rates.  Future market factors may affect the correlation of the interest rate adjustment with the rates the Banks pay on the short-term deposits that were primarily utilized to fund these loans.

Purchased credit-impaired loans and purchased non-credit-impaired loans. Purchased loans, including loans acquired in business combinations, are recorded at their fair value at the acquisition date. Credit discounts are included in the determination of fair value; therefore, an allowance for loan and lease losses is not recorded at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-impaired or purchased non-credit-impaired. Purchased credit-impaired loans reflect credit deterioration since origination such that it is probable at acquisition that the Company will be unable to collect all contractually required payments. The outstanding contractual unpaid principal balance of purchased credit-impaired loans, excluding acquisition accounting adjustments, was $8.8 million at September 30, 2015. The carrying balance of purchased credit-impaired loans was $5.4 million at September 30, 2015. There were no purchased credit-impaired loans at December 31, 2014 or September 30, 2014.

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

	Three Months Ended September 30					Nine Months Ended September 30
	2015			2014		2015			2014
Balance, beginning of period	$	2,149		$	—	$	—		$	—
Additions	—			—		2,239			—
Accretion to interest income	(68		)	—		(158		)	—
Disposals	—			—		—			—
Reclassifications from non-accretable difference	—			—		—			—
Balance, end of period	$	2,081		$	—	$	2,081		$	—

As of September 30, 2015, the non-accretable difference between the contractually required payments and cash flows expected to be collected was $3.2 million.

Impaired Loans and the Allowance for Loan Losses.  A loan is considered impaired when, based on current information and circumstances, the Company determines it is probable that it will be unable to collect all amounts due according to the contractual terms of the loan agreement, including scheduled interest payments.  Factors involved in determining impairment include, but are not limited to, the financial condition of the borrower, the value of the underlying collateral and the current status of the economy. Impaired loans are comprised of loans on nonaccrual, troubled debt restructures (TDRs) that are performing under their restructured terms, and loans that are 90 days or more past due, but are still on accrual.

The following tables provide information on impaired loans with and without allowance reserves at September 30, 2015 and December 31, 2014. Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands):

	September 30, 2015
	Unpaid Principal Balance		Recorded Investment				Related Allowance
			Without Allowance (1)		With Allowance (2)
Commercial real estate:
Owner-occupied	$	1,619	$	129	$	1,439	$	57
Investment properties	8,788		—		8,384		988
Multifamily real estate	361		—		361		73
One- to four-family construction	2,582		—		2,582		216
Land and land development:
Residential	3,552		750		1,647		455
Commercial	1,899		1,549		—		—
Commercial business	1,878		9		1,620		226
Agricultural business/farmland	1,078		—		1,004		40
One- to four-family residential	19,555		2,148		16,161		716
Consumer:
Consumer secured by one- to four-family	985		72		734		56
Consumer—other	398		85		231		6
	$	42,695	$	4,742	$	34,163	$	2,833
	December 31, 2014
	Unpaid Principal Balance		Recorded Investment				Related Allowance
			Without Allowance (1)		With Allowance (2)
Commercial real estate:
Owner-occupied	$	1,598	$	966	$	582	$	24
Investment properties	6,458		30		6,023		729
Multifamily real estate	786		—		786		86
One- to four-family construction	3,923		—		3,923		640
Land and land development:
Residential	3,710		1,275		1,280		346
Commercial business	1,502		—		1,276		128
Agricultural business/farmland	1,597		744		854		26
One- to four-family residential	27,855		1,865		24,529		1,032
Consumer:
Consumer secured by one- to four-family	1,256		73		1,077		75
Consumer—other	634		138		470		6
	$	49,319	$	5,091	$	40,800	$	3,092

⁽¹⁾  Loans without an allowance reserve have been individually evaluated for impairment and that evaluation concluded that no reserve was needed.

⁽²⁾  Includes general reserves for loans evaluated in pools of homogeneous loans and loans with a specific reserve allowance. 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.

The following tables summarize our average recorded investment and interest income recognized on impaired loans by loan class for the three and nine months ended September 30, 2015 and 2014 (in thousands):

	Three Months Ended September 30, 2015				Three Months Ended September 30, 2014
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner-occupied	$	1,584	$	3	$	3,304	$	22
Investment properties	8,399		76		6,383		78
Multifamily real estate	362		3		1,195		(93		)
One- to four-family construction	2,530		29		3,625		17
Land and land development:
Residential	2,400		9		2,926		21
Commercial	1,783		—		—		—
Commercial business	1,813		8		2,240		19
Agricultural business/farmland	977		10		229		—
One- to four-family residential	18,558		124		28,117		282
Consumer:
Consumer secured by one- to four-family	814		1		970		4
Consumer—other	314		2		924		12
	$	39,534	$	265	$	49,913	$	362
	Nine Months Ended September 30, 2015				Nine Months Ended September 30, 2014
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner-occupied	$	1,674	$	8	$	3,134	$	46
Investment properties	7,890		228		6,449		238
Multifamily real estate	364		14		1,220		34
One- to four-family construction	2,385		87		3,501		120
Land and land development:
Residential	2,412		40		2,937		67
Commercial	1,861		—		—		—
Commercial business	1,699		27		2,225		52
Agricultural business/farmland	905		19		102		—
One- to four-family residential	19,349		503		28,896		748
Consumer:
Consumer secured by one- to four-family	894		8		1,025		13
Consumer—other	353		12		938		27
	$	39,786	$	946	$	50,427	$	1,345

Troubled Debt Restructures. Some of the Company’s loans are reported as TDRs.  Loans are reported as TDRs when the bank grants one or more concessions to a borrower experiencing financial difficulties that it would not otherwise consider.  Examples of such concessions include forgiveness of principal or accrued interest, extending the maturity date(s) or providing a lower interest rate than would be normally available for a transaction of similar risk.  Our TDRs have generally not involved forgiveness of amounts due, but almost always include a modification of multiple factors; the most common combination includes interest rate, payment amount and maturity date. As a result of these concessions, restructured loans are impaired as the Company will not collect all amounts due, both principal and interest, in accordance with the terms of the original loan agreement.  Loans identified as TDRs are accounted for in accordance with the Company's impaired loan accounting policies.

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

	September 30, 2015
	Accrual Status		Nonaccrual Status		Total TDRs
Commercial real estate:
Owner-occupied	$	182	$	104	$	286
Investment properties	5,871		13		5,884
Multifamily real estate	361		—		361
One- to four-family construction	2,582		—		2,582
Land and land development:
Residential	1,153		493		1,646
Commercial business	643		—		643
Agricultural business, including secured by farmland	776		—		776
One- to four-family residential	12,090		1,451		13,541
Consumer:
Consumer secured by one- to four-family	147		56		203
Consumer—other	176		—		176
	$	23,981	$	2,117	$	26,098

	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

As of September 30, 2015 and December 31, 2014, the Company had commitments to advance funds related to TDRs up to additional amounts of $284,000 and $2.1 million, respectively.

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

	Three Months Ended September 30, 2015					Nine Months Ended September 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	$	1,383	$	1,383
Agricultural business/farmland	—	—		—		3	607		607
One- to four-family residential	—	—		—		2	456		456
	—	$	—	$	—	7	$	2,446	$	2,446
	Three Months Ended September 30, 2014					Nine Months Ended September 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	1	388		388		5	1,369		1,369
Commercial business	—	—		—		1	100		100
One- to four-family residential	2	434		434		2	434		434
Consumer-other	—	—		—		1	9		9
	3	$	822	$	822	10	$	2,006	$	2,006

⁽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.

The following table presents TDRs which incurred a payment default within twelve months of the restructure date during the three and nine-month periods ended September 30, 2015 and 2014. A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off, or both.

	Three Months Ended September 30				Nine Months Ended September 30
	2015		2014		2015		2014
One- to four-family residential	$	387	$	—	$	387	$	—
Total	$	387	$	—	$	387	$	—

Credit Quality Indicators:  To appropriately and effectively manage the ongoing credit quality of the Company’s loan portfolio, management has implemented a risk-rating or loan grading system for its loans.  The system is a tool to evaluate portfolio asset quality throughout each applicable loan’s life as an asset of the Company.  Generally, loans and leases are risk rated on an aggregate borrower/relationship basis with individual loans sharing similar ratings.  There are some instances when specific situations relating to individual loans will provide the basis for different risk ratings within the aggregate relationship.  Loans are graded on a scale of 1 to 9.  A description of the general characteristics of these categories is shown below:

Overall Risk Rating Definitions:  Risk-ratings contain both qualitative and quantitative measurements and take into account the financial strength of a borrower and the structure of the loan or lease.  Consequently, the definitions are to be applied in the context of each lending transaction and judgment must also be used to determine the appropriate risk rating, as it is not unusual for a loan or lease to exhibit characteristics of more than one risk-rating category.  Consideration for the final rating is centered in the borrower’s ability to repay, in a timely fashion, both principal and interest.  There were no material changes in the risk-rating or loan grading system in the nine months ended September 30, 2015.

Risk Rating 1: Exceptional

A credit supported by exceptional financial strength, stability, and liquidity.  The risk rating of 1 is reserved for the Company’s top quality loans, generally reserved for investment grade credits underwritten to the standards of institutional credit providers.

Risk Rating 2: Excellent

A credit supported by excellent financial strength, stability and liquidity.  The risk rating of 2 is reserved for very strong and highly stable customers with ready access to alternative financing sources.

Risk Rating 3: Strong

A credit supported by good overall financial strength and stability.  Collateral margins are strong; cash flow is stable although susceptible to cyclical market changes.

Risk Rating 4: Acceptable

A credit supported by the borrower’s adequate financial strength and stability.  Assets and cash flow are reasonably sound and provide for orderly debt reduction.  Access to alternative financing sources will be more difficult to obtain.

Risk Rating 5: Watch

A credit with the characteristics of an acceptable credit which requires, however, more than the normal level of supervision and warrants formal quarterly management reporting.  Credits in this category are not yet criticized or classified, but due to adverse events or aspects of underwriting require closer than normal supervision. Generally, credits should be watch credits in most cases for six months or less as the impact of stress factors are analyzed.

Risk Rating 6: Special Mention

A credit with potential weaknesses that deserves management’s close attention is risk rated a 6.  If left uncorrected, these potential weaknesses will result in deterioration in the capacity to repay debt.  A key distinction between Special Mention and Substandard is that in a Special Mention credit, there are identified weaknesses that pose potential risk(s) to the repayment sources, versus well defined weaknesses that pose risk(s) to the repayment sources.  Assets in this category are expected to be in this category no more than 9-12 months as the potential weaknesses in the credit are resolved.

Risk Rating 7: Substandard

A credit with well defined weaknesses that jeopardize the ability to repay in full is risk rated a 7.  These credits are inadequately protected by either the sound net worth and payment capacity of the borrower or the value of pledged collateral.  These are credits with a distinct possibility of loss.  Loans headed for foreclosure and/or legal action due to deterioration are rated 7 or worse.

Risk Rating 8: Doubtful

A credit with an extremely high probability of loss is risk rated 8.  These credits have all the same critical weaknesses that are found in a substandard loan; however, the weaknesses are elevated to the point that based upon current information, collection or liquidation in full is improbable.  While some loss on doubtful credits is expected, pending events may strengthen a credit making the amount and timing of any loss indeterminable.  In these situations taking the loss is inappropriate until it is clear that the pending event has failed to strengthen the credit and improve the capacity to repay debt.

Risk Rating 9: Loss

A credit that is considered to be currently uncollectible or of such little value that it is no longer a viable Bank asset is risk rated 9.  Losses should be taken in the accounting period in which the credit is determined to be uncollectible.  Taking a loss does not mean that a credit has absolutely no recovery or salvage value but, rather, it is not practical or desirable to defer writing off the credit, even though partial recovery may occur in the future.

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

	September 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)	$	1,667,522	$	195,755	$	478,876	$	793,518	$	225,743	$	527,244	$	388,523	$	4,277,181
Special mention	10,108		—		—		14,189		14,960		149		82		39,488
Substandard	19,934		3,119		14,924		4,363		1,853		8,932		2,788		55,913
Doubtful	—		—		—		—		—		—		12		12
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,697,564	$	198,874	$	493,800	$	812,070	$	242,556	$	536,325	$	391,405	$	4,372,594
Performing loans	$	1,691,857	$	198,318	$	485,215	$	811,085	$	242,328	$	530,106	$	390,155	$	4,349,064
Non-performing loans (2)	5,707		556		8,585		985		228		6,219		1,250		23,530
Total loans	$	1,697,564	$	198,874	$	493,800	$	812,070	$	242,556	$	536,325	$	391,405	$	4,372,594
	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	$	1,402,593	$	167,524	$	409,731	$	723,427	$	236,902	$	528,965	$	347,942	$	3,817,084
Non-performing loans (2)	1,132		—		1,275		537		1,597		10,929		1,266		16,736
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 September 30, 2015 and December 31, 2014, in the commercial business category, $146 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, loans past due greater than 90 days and on accrual status and purchased credit-impaired loans which are included at their unpaid principal balance.

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

	September 30, 2015
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Purchased Credit-Impaired		Current		Total Loans		Loans 90 Days or More Past Due and Accruing		Non-accrual
Commercial real estate:
Owner-occupied	$	1,926	$	779	$	300	$	3,005	$	1,131	$	631,010	$	635,146	$	—	$	1,387
Investment properties	89		—		2,500		2,589		—		1,059,829		1,062,418		—		2,512
Multifamily real estate	—		46		—		46		441		198,387		198,874		—		—
Commercial construction	—		—		—		—		—		47,490		47,490		—		—
Multifamily construction	—		—		—		—		—		72,987		72,987		—		—
One-to-four-family construction	—		242		—		242		901		245,572		246,715		—		—
Land and land development:
Residential	154		286		749		1,189		—		109,902		111,091		—		1,243
Commercial	—		—		2,612		2,612		2,624		10,281		15,517		—		1,549
Commercial business	165		—		755		920		—		811,150		812,070		5		980
Agricultural business, including secured by farmland	23		—		90		113		—		242,443		242,556		—		228
One- to four-family residential	204		387		4,390		4,981		—		531,344		536,325		1,285		4,935
Consumer:
Consumer secured by one- to four-family	133		28		91		252		—		249,777		250,029		—		659
Consumer—other	272		315		101		688		312		140,376		141,376		11		130
Total	$	2,966	$	2,083	$	11,588	$	16,637	$	5,409	$	4,350,548	$	4,372,594	$	1,301	$	13,623

	December 31, 2014
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Purchased Credit-Impaired		Current		Total Loans		Loans 90 Days or More Past Due and Accruing		Non-accrual
Commercial real estate:
Owner-occupied	$	—	$	1,984	$	—	$	1,984	$	—	$	544,799	$	546,783	$	—	$	1,132
Investment properties	639		—		—		639		—		856,303		856,942		—		—
Multifamily real estate	—		—		—		—		—		167,524		167,524		—		—
Commercial construction	—		—		—		—		—		17,337		17,337		—		1,275
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		—		537
Agricultural business, including secured by farmland	597		466		744		1,807		—		236,692		238,499		—		1,597
One-to four-family residential	877		1,623		7,526		10,026		—		529,868		539,894		2,095		8,834
Consumer:
Consumer secured by one- to four-family	59		60		139		258		—		221,947		222,205		79		1,187
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	$	2,174	$	14,562

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 nine months ended September 30, 2015 and 2014 (in thousands):

	For the Three Months Ended September 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	$	18,948		$	4,273		$	25,415		$	13,184		$	2,679		$	8,542		$	780		$	3,508		$	77,329
Provision for loan losses	317			90			1,929			(235		)	(292		)	(635		)	330			(1,504		)	—
Recoveries	375			—			282			128			146			42			91			—			1,064
Charge-offs	—			—			(352		)	(312		)	—			(12		)	(397		)	—			(1,073		)
Ending balance	$	19,640		$	4,363		$	27,274		$	12,765		$	2,533		$	7,937		$	804		$	2,004		$	77,320
	For the Nine Months Ended September 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	333			(312		)	2,847			664			(890		)	(524		)	1,100			(3,218		)	—
Recoveries	587			113			1,234			803			1,666			141			369			—			4,913
Charge-offs	(64		)	—			(352		)	(745		)	(1,064		)	(127		)	(1,148		)	—			(3,500		)
Ending balance	$	19,640		$	4,363		$	27,274		$	12,765		$	2,533		$	7,937		$	804		$	2,004		$	77,320

	September 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:
Individually evaluated for impairment	$	612	$	73	$	473	$	74	$	17	$	706	$	60	$	—	$	2,015
Collectively evaluated for impairment	19,028		4,290		26,801		12,691		2,516		7,231		744		2,004		75,305
Total allowance for loan losses	$	19,640	$	4,363	$	27,274	$	12,765	$	2,533	$	7,937	$	804	$	2,004	$	77,320

Loan balances:
Individually evaluated for impairment	$	6,182	$	361	$	6,034	$	644	$	776	$	13,952	$	528	$	—	$	28,477
Collectively evaluated for impairment	1,690,251		198,072		484,241		811,426		241,780		522,373		390,565		—		4,338,708
Purchased credit-impaired loans	1,131		441		3,525		—		—		—		312		—		5,409
Total loans	$	1,697,564	$	198,874	$	493,800	$	812,070	$	242,556	$	536,325	$	391,405	$	—	$	4,372,594

	For the Three Months Ended September 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	$	18,884		$	5,765		$	17,837		$	12,014		$	2,824		$	9,270		$	748		$	6,968		$	74,310
Provision for loan losses	527			(853		)	2,858			490			(339		)	(38		)	603			(3,248		)	—
Recoveries	94			—			84			256			587			143			53			—			1,217
Charge-offs	—			(20		)	—			(83		)	(125		)	(239		)	(729		)	—			(1,196		)
Ending balance	$	19,505		$	4,892		$	20,779		$	12,677		$	2,947		$	9,136		$	675		$	3,720		$	74,331
	For the Nine Months Ended September 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	3,321			(394		)	2,558			1,150			(1,017		)	(2,253		)	33			(3,398		)	—
Recoveries	664			—			788			835			1,248			535			393			—			4,463
Charge-offs	(1,239		)	(20		)	(207		)	(1,081		)	(125		)	(632		)	(1,086		)	—			(4,390		)
Ending balance	$	19,505		$	4,892		$	20,779		$	12,677		$	2,947		$	9,136		$	675		$	3,720		$	74,331

	September 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:
Individually evaluated for impairment	$	755	$	91	$	1,269	$	103	$	—	$	1,143	$	58	$	—	$	3,419
Collectively evaluated for impairment	18,750		4,801		19,510		12,574		2,947		7,993		617		3,720		70,912
Total allowance for loan losses	$	19,505	$	4,892	$	20,779	$	12,677	$	2,947	$	9,136	$	675	$	3,720	$	74,331

Loan balances:
Individually evaluated for impairment	$	8,070	$	791	$	6,643	$	880	$	—	$	18,890	$	649	$	—	$	35,923
Collectively evaluated for  impairment	1,392,547		183,153		374,864		727,208		240,048		508,381		344,571		—		3,770,772
Total loans	$	1,400,617	$	183,944	$	381,507	$	728,088	$	240,048	$	527,271	$	345,220	$	—	$	3,806,695