LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES

9 Months Ended

Sep. 30, 2017

LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES

Loans receivable at September 30, 2017 and December 31, 2016 are summarized as follows (dollars in thousands):



	September 30, 2017					December 31, 2016
	Amount			Percent of Total		Amount			Percent of Total
Commercial real estate:
Owner-occupied	$	1,369,130		17.6	%	$	1,352,999		18.1	%
Investment properties	1,993,144			25.6		1,986,336			26.7
Multifamily real estate	311,706			4.0		248,150			3.3
Commercial construction	157,041			2.0		124,068			1.7
Multifamily construction	136,532			1.8		124,126			1.7
One- to four-family construction	399,361			5.1		375,704			5.0
Land and land development:
Residential	158,384			2.0		170,004			2.3
Commercial	27,095			0.4		29,184			0.4
Commercial business	1,311,409			16.9		1,207,879			16.2
Agricultural business, including secured by farmland	339,932			4.4		369,156			5.0
One- to four-family residential	869,556			11.2		813,077			10.9
Consumer:
Consumer secured by one- to four-family	535,300			6.9		493,211			6.6
Consumer—other	165,859			2.1		157,254			2.1
Total loans	7,774,449			100.0	%	7,451,148			100.0	%
Less allowance for loan losses	(89,100		)			(85,997		)
Net loans	$	7,685,349				$	7,365,151

Loan amounts included unamortized costs of $389,000 as of September 30, 2017 and were net of unearned fees of $5.8 million as of December 31, 2016. Net loans include net discounts on acquired loans of $23.4 million and $31.1 million as of September 30, 2017 and December 31, 2016, respectively.

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 (PCI) or purchased non-credit-impaired. PCI 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 PCI loans, excluding acquisition accounting adjustments, was $34.9 million at September 30, 2017 and $48.4 million at December 31, 2016. The carrying balance of PCI loans was $23.2 million at September 30, 2017 and $32.3 million at December 31, 2016.

The following table presents the changes in the accretable yield for PCI loans for the three and nine months ended September 30, 2017 and 2016 (in thousands):



	Three Months Ended September 30,						Nine Months Ended September 30,
	2017			2016			2017			2016
Balance, beginning of period	$	7,666		$	11,035		$	8,717		$	10,375
Accretion to interest income	(1,720		)	(1,811		)	(5,210		)	(6,349		)
Disposals	—			(899		)	(497		)	(1,018		)
Reclassifications from non-accretable difference	918			1,120			3,854			6,437
Balance, end of period	$	6,864		$	9,445		$	6,864		$	9,445

As of September 30, 2017 and December 31, 2016, the non-accretable difference between the contractually required payments and cash flows expected to be collected were $11.7 million and $15.7 million, respectively.

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 restructurings (TDRs) that are performing under their restructured terms, and loans that are 90 days or more past due, but are still on accrual. PCI loans are considered performing within the scope of the purchased credit-impaired accounting guidance and are not included in the impaired loan tables.

The following tables provide information on impaired loans, excluding PCI loans, with and without allowance reserves at September 30, 2017 and December 31, 2016. 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, 2017
	Unpaid Principal Balance		Recorded Investment				Related Allowance
	Unpaid Principal Balance		Without Allowance ⁽¹⁾		With Allowance ⁽²⁾		Related Allowance
Commercial real estate:
Owner-occupied	$	8,250	$	7,438	$	200	$	19
Investment properties	7,657		4,247		3,208		245
Land and land development:
Residential	1,322		798		193		66
Commercial	1,538		928		—		—
Commercial business	7,945		7,195		573		52
Agricultural business/farmland	8,579		6,956		500		196
One- to four-family residential	8,858		2,878		5,904		184
Consumer:
Consumer secured by one- to four-family	1,698		1,492		140		7
Consumer—other	147		71		77		4
	$	45,994	$	32,003	$	10,795	$	773

	December 31, 2016
	Unpaid Principal Balance		Recorded Investment				Related Allowance
	Unpaid Principal Balance		Without Allowance ⁽¹⁾		With Allowance ⁽²⁾		Related Allowance
Commercial real estate:
Owner-occupied	$	3,786	$	3,373	$	203	$	20
Investment properties	9,916		5,565		4,304		408
Multifamily real estate	508		147		349		64
One- to four-family construction	1,180		—		1,180		156
Land and land development:
Residential	3,012		750		1,106		219
Commercial	1,608		998		—		—
Commercial business	3,753		3,074		651		69
Agricultural business/farmland	6,438		6,354		—		—
One- to four-family residential	11,439		3,149		8,026		479
Consumer:
Consumer secured by one- to four-family	1,904		1,721		144		1
Consumer—other	391		226		166		4
	$	43,935	$	25,357	$	16,129	$	1,420


⁽¹⁾	Includes loans without an allowance reserve that have been individually evaluated for impairment and that evaluation concluded that no reserve was needed and $9.3 million and $10.0 million of homogenous and small balance loans as of September 30, 2017 and December 31, 2016, respectively, that are collectively evaluated for impairment for which a general reserve has been established.


⁽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.

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, 2017 and 2016 (in thousands):



	Three Months Ended September 30, 2017				Three Months Ended September 30, 2016
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner-occupied	$	3,657	$	3	$	2,544	$	3
Investment properties	8,849		37		19,046		74
Multifamily real estate	115		1		529		27
One- to four-family construction	—		—		1,176		3
Land and land development:
Residential	1,095		6		1,964		20
Commercial	928		—		997		—
Commercial business	8,128		6		4,283		16
Agricultural business/farmland	6,196		69		4,973		6
One- to four-family residential	8,899		73		11,973		131
Consumer:
Consumer secured by one- to four-family	1,608		2		1,894		5
Consumer—other	140		1		512		3
	$	39,615	$	198	$	49,891	$	288

	Nine Months Ended September 30, 2017				Nine Months Ended September 30, 2016
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Commercial real estate:
Owner-occupied	$	3,079	$	7	$	2,673	$	9
Investment properties	8,393		124		19,775		224
Multifamily real estate	335		10		518		36
One- to four-family construction	524		27		1,151		56
Land and land development:
Residential	1,574		42		1,971		63
Commercial	950		—		1,005		—
Commercial business	5,838		63		4,470		28
Agricultural business/farmland	5,605		131		4,824		19
One- to four-family residential	9,602		240		12,193		358
Consumer:
Consumer secured by one- to four-family	1,647		7		1,913		13
Consumer—other	194		5		572		10
	$	37,741	$	656	$	51,065	$	816

Troubled Debt Restructurings. 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 table presents TDRs by accrual and nonaccrual status at September 30, 2017 and December 31, 2016 (in thousands):



	September 30, 2017						December 31, 2016
	Accrual Status		Nonaccrual Status		Total TDRs		Accrual Status		Nonaccrual Status		Total TDRs
Commercial real estate:
Owner-occupied	$	200	$	89	$	289	$	203	$	96	$	299
Investment properties	3,207		—		3,207		4,304		—		4,304
Multifamily real estate	—		—		—		349		—		349
One- to four-family construction	—		—		—		1,180		—		1,180
Land and land development:
Residential	193		—		193		1,106		—		1,106
Commercial business	573		—		573		653		—		653
Agricultural business, including secured by farmland	3,172		29		3,201		3,125		79		3,204
One- to four-family residential	5,182		810		5,992		7,678		843		8,521
Consumer:
Consumer secured by one- to four-family	140		1		141		143		6		149
Consumer—other	77		—		77		166		—		166
	$	12,744	$	929	$	13,673	$	18,907	$	1,024	$	19,931

As of September 30, 2017 and December 31, 2016, the Company had commitments to advance additional funds related to TDRs up to $59,000 and $127,000, respectively.

No new TDRs occurred during the nine months ended September 30, 2017 or 2016.

There were no TDRs which incurred a payment default within twelve months of the restructure date during the three and nine-month periods ended September 30, 2017 and 2016. A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off, or both.

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, 2017.

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 tables present the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of September 30, 2017 and December 31, 2016 (in thousands):



	September 30, 2017
By class:	Pass (Risk Ratings 1-5)⁽¹⁾		Special Mention		Substandard		Doubtful		Loss		Total Loans
Commercial real estate:
Owner-occupied	$	1,339,550	$	996	$	28,584	$	—	$	—	$	1,369,130
Investment properties	1,978,603		3,601		10,940		—		—		1,993,144
Multifamily real estate	310,936		—		770		—		—		311,706
Commercial construction	157,041		—		—		—		—		157,041
Multifamily construction	136,532		—		—		—		—		136,532
One- to four-family construction	397,135		—		2,226		—		—		399,361
Land and land development:
Residential	147,874		9,374		1,136		—		—		158,384
Commercial	23,202		—		3,893		—		—		27,095
Commercial business	1,241,338		19,068		51,003		—		—		1,311,409
Agricultural business, including secured by farmland	317,808		3,390		18,734		—		—		339,932
One- to four-family residential	864,053		674		4,829		—		—		869,556
Consumer:
Consumer secured by one- to four-family	532,907		—		2,393		—		—		535,300
Consumer—other	165,444		17		398		—		—		165,859
Total	$	7,612,423	$	37,120	$	124,906	$	—	$	—	$	7,774,449



	December 31, 2016
By class:	Pass (Risk Ratings 1-5)⁽¹⁾		Special Mention		Substandard		Doubtful		Loss		Total Loans
Commercial real estate:
Owner-occupied	$	1,313,142	$	14,394	$	25,463	$	—	$	—	$	1,352,999
Investment properties	1,948,822		23,846		13,668		—		—		1,986,336
Multifamily real estate	247,258		—		892		—		—		248,150
Commercial construction	124,068		—		—		—		—		124,068
Multifamily construction	124,126		—		—		—		—		124,126
One- to four-family construction	371,636		—		4,068		—		—		375,704
Land and land development:
Residential	167,764		—		2,240		—		—		170,004
Commercial	25,090		—		4,094		—		—		29,184
Commercial business	1,148,585		35,036		24,258		—		—		1,207,879
Agricultural business, including secured by farmland	356,656		3,335		9,165		—		—		369,156
One- to four-family residential	807,837		967		4,273		—		—		813,077
Consumer:
Consumer secured by one- to four-family	490,877		5		2,327		2		—		493,211
Consumer—other	156,547		108		594		5		—		157,254
Total	$	7,282,408	$	77,691	$	91,042	$	7	$	—	$	7,451,148

⁽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, 2017 and December 31, 2016, in the commercial business category, $296.0 million and $225.0 million, respectively, of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.

The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2017 and December 31, 2016 (in thousands):



	September 30, 2017
	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	$	414	$	3,156	$	3,360	$	6,930	$	7,896	$	1,354,304	$	1,369,130	$	—	$	7,438
Investment properties	—		—		4,136		4,136		7,788		1,981,220		1,993,144		53		4,194
Multifamily real estate	1,101		—		—		1,101		173		310,432		311,706		—		—
Commercial construction	223		—		—		223		—		156,818		157,041		—		—
Multifamily construction	—		—		—		—		—		136,532		136,532		—		—
One-to-four-family construction	—		—		—		—		794		398,567		399,361		—		—
Land and land development:
Residential	819		—		798		1,617		—		156,767		158,384		—		798
Commercial	—		—		928		928		2,965		23,202		27,095		—		928
Commercial business	1,712		371		5,192		7,275		2,608		1,301,526		1,311,409		51		7,144
Agricultural business, including secured by farmland	1,051		—		2,330		3,381		683		335,868		339,932		—		4,285
One- to four-family residential	431		628		2,211		3,270		265		866,021		869,556		722		2,878
Consumer:
Consumer secured by one- to four-family	1,537		220		788		2,545		5		532,750		535,300		76		1,416
Consumer—other	290		173		26		489		44		165,326		165,859		25		46
Total	$	7,578	$	4,548	$	19,769	$	31,895	$	23,221	$	7,719,333	$	7,774,449	$	927	$	29,127



	December 31, 2016
	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	$	1,938	$	—	$	2,538	$	4,476	$	13,281	$	1,335,242	$	1,352,999	$	—	$	3,373
Investment properties	117		—		5,447		5,564		10,168		1,970,604		1,986,336		701		4,864
Multifamily real estate	—		—		147		147		139		247,864		248,150		147		—
Commercial construction	—		—		—		—		—		124,068		124,068		—		—
Multifamily construction	—		—		—		—		—		124,126		124,126		—		—
One-to-four-family construction	—		—		—		—		862		374,842		375,704		—		—
Land and land development:
Residential	48		—		750		798		—		169,206		170,004		—		750
Commercial	—		—		998		998		3,016		25,170		29,184		—		998
Commercial business	2,314		647		1,591		4,552		3,821		1,199,506		1,207,879		—		3,074
Agricultural business, including secured by farmland	360		1,244		2,768		4,372		684		364,100		369,156		—		3,229
One-to four-family residential	1,793		249		2,110		4,152		274		808,651		813,077		1,233		2,263
Consumer:
Consumer secured by one- to four-family	932		160		986		2,078		18		491,115		493,211		61		1,660
Consumer—other	1,421		154		147		1,722		59		155,473		157,254		11		215
Total	$	8,923	$	2,454	$	17,482	$	28,859	$	32,322	$	7,389,967	$	7,451,148	$	2,153	$	20,426

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, 2017 and 2016 (in thousands):



	For the Three Months Ended September 30, 2017
	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	$	24,232		$	1,562	$	27,312		$	19,126		$	3,808		$	2,010		$	3,987		$	6,549		$	88,586
Provision for loan losses	(236		)	63		2,037			(555		)	1,141			22			117			(589		)	2,000
Recoveries	19			—		73			577			1			8			98			—			776
Charge-offs	(584		)	—		—			(491		)	(1,001		)	—			(186		)	—			(2,262		)
Ending balance	$	23,431		$	1,625	$	29,422		$	18,657		$	3,949		$	2,040		$	4,016		$	5,960		$	89,100

	For the Nine months ended September 30, 2017
	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	$	20,993		$	1,360	$	34,252		$	16,533		$	2,967		$	2,238		$	4,104		$	3,550		$	85,997
Provision for loan losses	2,716			254		(6,010		)	4,489			2,113			(460		)	488			2,410			6,000
Recoveries	353			11		1,180			921			133			262			293			—			3,153
Charge-offs	(631		)	—		—			(3,286		)	(1,264		)	—			(869		)	—			(6,050		)
Ending balance	$	23,431		$	1,625	$	29,422		$	18,657		$	3,949		$	2,040		$	4,016		$	5,960		$	89,100



	September 30, 2017
	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	$	263	$	—	$	67	$	52	$	196	$	184	$	11	$	—	$	773
Collectively evaluated for impairment	23,168		1,625		29,348		18,605		3,753		1,856		4,005		5,960		88,320
Purchased credit-impaired loans	—		—		7		—		—		—		—		—		7
Total allowance for loan losses	$	23,431	$	1,625	$	29,422	$	18,657	$	3,949	$	2,040	$	4,016	$	5,960	$	89,100



Loan balances:
Individually evaluated for impairment	$	13,866	$	—	$	1,871	$	5,899	$	6,495	$	5,182	$	218	$	—	$	33,531
Collectively evaluated for impairment	3,332,724		311,533		872,783		1,302,902		332,754		864,109		700,892		—		7,717,697
Purchased credit-impaired loans	15,684		173		3,759		2,608		683		265		49		—		23,221
Total loans	$	3,362,274	$	311,706	$	878,413	$	1,311,409	$	339,932	$	869,556	$	701,159	$	—	$	7,774,449



	For the Three Months Ended September 30, 2016
	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	$	20,149		$	1,515		$	31,861	$	17,758		$	2,891		$	2,204		$	3,743		$	1,197	$	81,318
Provision for loan losses	(337		)	(79		)	1,269		(1,351		)	80			(404		)	348			2,474		2,000
Recoveries	34			—			673		433			(138		)	482			73			—		1,557
Charge-offs	—			—			—		(333		)	—			(92		)	(230		)	—		(655		)
Ending balance	$	19,846		$	1,436		$	33,803	$	16,507		$	2,833		$	2,190		$	3,934		$	3,671	$	84,220

	For the Nine Months Ended September 30, 2016
	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	$	20,716		$	4,195		$	27,131	$	13,856		$	3,645		$	4,732		$	902		$	2,831	$	78,008
Provision for loan losses	(788		)	(2,759		)	5,404		1,519			(284		)	(3,468		)	3,536			840		4,000
Recoveries	98			—			1,268		1,775			39			1,052			529			—		4,761
Charge-offs	(180		)	—			—		(643		)	(567		)	(126		)	(1,033		)	—		(2,549		)
Ending balance	$	19,846		$	1,436		$	33,803	$	16,507		$	2,833		$	2,190		$	3,934		$	3,671	$	84,220



	September 30, 2016
	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	$	832	$	65	$	396	$	54	$	—	$	456	$	6	$	—	$	1,809
Collectively evaluated for impairment	19,014		1,371		33,374		16,453		2,833		1,734		3,928		3,671		82,378
Purchased credit-impaired loans	—		—		33		—		—		—		—		—		33
Total allowance for loan losses	$	19,846	$	1,436	$	33,803	$	16,507	$	2,833	$	2,190	$	3,934	$	3,671	$	84,220



Loan balances:
Individually evaluated for impairment	$	16,630	$	351	$	4,137	$	2,026	$	2,758	$	8,270	$	315	$	—	$	34,487
Collectively evaluated for impairment	3,214,042		266,274		789,037		1,181,558		379,710		838,328		656,527		—		7,325,476
Purchased credit impaired loans	28,544		258		4,153		4,264		807		301		347		—		38,674
Total loans	$	3,259,216	$	266,883	$	797,327	$	1,187,848	$	383,275	$	846,899	$	657,189	$	—	$	7,398,637