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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Schedule of Loans Receivable, Including Loans Held for Sale The following table presents the loans receivable at March 31, 2022 and December 31, 2021 by class (dollars in thousands).
 March 31, 2022December 31, 2021
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$872,801 9.5 %$831,623 9.2 %
Investment properties1,670,896 18.3 1,674,027 18.4 
Small balance CRE1,162,164 12.7 1,281,863 14.1 
Multifamily real estate598,588 6.5 530,885 5.8 
Construction, land and land development:
Commercial construction179,796 2.0 167,998 1.8 
Multifamily construction274,015 3.0 259,116 2.9 
One- to four-family construction582,800 6.4 568,753 6.3 
Land and land development317,560 3.5 313,454 3.5 
Commercial business:
Commercial business (1)
1,139,701 12.5 1,170,780 12.9 
Small business scored817,065 8.8 792,310 8.7 
Agricultural business, including secured by farmland (2)
245,288 2.7 280,578 3.1 
One- to four-family residential718,403 7.9 657,474 7.2 
Consumer:
Consumer—home equity revolving lines of credit
470,485 5.1 458,533 5.0 
Consumer—other97,067 1.1 97,369 1.1 
Total loans9,146,629 100.0 %9,084,763 100.0 %
Less allowance for credit losses – loans(125,471) (132,099) 
Net loans$9,021,158  $8,952,664  
Schedule of Troubled Debt Restructurings There were no new TDRs that occurred during the three months ended March 31, 2022 or March 31, 2021.
Schedule of Risk-Rated Loans and Non-Risk Rated Loans by Grade and Other Characteristics
The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of March 31, 2022 and December 31, 2021 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Commercial real estate - owner occupied
Risk Rating
Pass$30,954 $216,269 $178,308 $104,389 $69,563 $188,981 $14,383 $802,847 
Special Mention— — — — — 70 301 371 
Substandard10,316 3,273 — 15,939 16,602 23,453 — 69,583 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$41,270 $219,542 $178,308 $120,328 $86,165 $212,504 $14,684 $872,801 
Commercial real estate - investment properties
Risk Rating
Pass$38,630 $341,707 $174,541 $214,218 $180,247 $658,506 $12,031 $1,619,880 
Special Mention— — — — — — 240 240 
Substandard— 28,362 — 3,340 — 17,698 1,376 50,776 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$38,630 $370,069 $174,541 $217,558 $180,247 $676,204 $13,647 $1,670,896 
Multifamily real estate
Risk Rating
Pass$64,403 $187,911 $83,369 $55,187 $33,545 $169,828 $2,833 $597,076 
Special Mention— — — — — — — — 
Substandard— — — — — 1,512 — 1,512 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$64,403 $187,911 $83,369 $55,187 $33,545 $171,340 $2,833 $598,588 
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Commercial construction
Risk Rating
Pass$15,672 $117,034 $26,541 $3,665 $8,117 $510 $— $171,539 
Special Mention— — — — — — — — 
Substandard2,722 — 77 684 4,774 — — 8,257 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$18,394 $117,034 $26,618 $4,349 $12,891 $510 $— $179,796 
Multifamily construction
Risk Rating
Pass$48,366 $104,749 $73,217 $47,683 $— $— $— $274,015 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$48,366 $104,749 $73,217 $47,683 $— $— $— $274,015 
One- to four- family construction
Risk Rating
Pass$178,654 $390,142 $12,289 $331 $— $357 $1,027 $582,800 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$178,654 $390,142 $12,289 $331 $— $357 $1,027 $582,800 
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Land and land development
Risk Rating
Pass$57,278 $157,382 $66,516 $16,733 $7,899 $11,449 $147 $317,404 
Special Mention— — — — — — — — 
Substandard— — 14 23 — 119 — 156 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$57,278 $157,382 $66,530 $16,756 $7,899 $11,568 $147 $317,560 
Commercial business
Risk Rating
Pass$53,141 $203,559 $196,442 $169,233 $111,154 $117,861 $268,428 $1,119,818 
Special Mention— — 807 — — 22 2,878 3,707 
Substandard669 5,252 1,277 1,423 4,534 1,265 1,756 16,176 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$53,810 $208,811 $198,526 $170,656 $115,688 $119,148 $273,062 $1,139,701 
Agricultural business including secured by farmland
Risk Rating
Pass$5,396 $35,729 $22,151 $46,631 $26,534 $40,566 $65,314 $242,321 
Special Mention— — 145 — — — — 145 
Substandard1,581 — 42 594 493 70 42 2,822 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business including secured by farmland$6,977 $35,729 $22,338 $47,225 $27,027 $40,636 $65,356 $245,288 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20202019201820172016Prior
Commercial real estate - owner occupied
Risk Rating
Pass$212,407 $172,968 $100,077 $83,124 $43,371 $153,472 $11,782 $777,201 
Special Mention— — 2,185 — — 74 — 2,259 
Substandard13,597 — 13,770 — 1,056 23,740 — 52,163 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$226,004 $172,968 $116,032 $83,124 $44,427 $177,286 $11,782 $831,623 
Commercial real estate - investment properties
Risk Rating
Pass$337,170 $165,174 $231,021 $183,787 $201,738 $467,821 $18,471 $1,605,182 
Special Mention— — 240 4,131 — — — 4,371 
Substandard28,926 — 3,343 — 4,305 27,900 — 64,474 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$366,096 $165,174 $234,604 $187,918 $206,043 $495,721 $18,471 $1,674,027 
Multifamily real estate
Risk Rating
Pass$184,310 $75,226 $55,494 $33,708 $84,612 $88,055 $3,030 $524,435 
Special Mention— — — — — — — — 
Substandard4,908 — — — — 1,542 — 6,450 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$189,218 $75,226 $55,494 $33,708 $84,612 $89,597 $3,030 $530,885 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20202019201820172016Prior
Commercial construction
Risk Rating
Pass$103,352 $31,841 $7,259 $8,087 $— $— $— $150,539 
Special Mention— — — — — — — — 
Substandard11,782 85 688 4,806 — 98 — 17,459 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$115,134 $31,926 $7,947 $12,893 $— $98 $— $167,998 
Multifamily construction
Risk Rating
Pass$86,643 $118,114 $54,359 $— $— $— $— $259,116 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$86,643 $118,114 $54,359 $— $— $— $— $259,116 
One- to four- family construction
Risk Rating
Pass$526,153 $40,133 $331 $— $— $216 $1,920 $568,753 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$526,153 $40,133 $331 $— $— $216 $1,920 $568,753 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20202019201820172016Prior
Land and land development
Risk Rating
Pass$181,381 $89,895 $17,154 $8,141 $4,050 $7,870 $1,682 $310,173 
Special Mention— — — — — — — — 
Substandard2,876 14 263 — — 128 — 3,281 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$184,257 $89,909 $17,417 $8,141 $4,050 $7,998 $1,682 $313,454 
Commercial business
Risk Rating
Pass$273,096 $214,166 $176,136 $121,211 $45,434 $78,049 $246,351 $1,154,443 
Special Mention65 77 — 241 19 8 2,430 2,840 
Substandard1,941 1,560 2,292 3,853 875 679 2,297 13,497 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$275,102 $215,803 $178,428 $125,305 $46,328 $78,736 $251,078 $1,170,780 
Agricultural business including secured by farmland
Risk Rating
Pass$33,119 $25,338 $49,951 $27,401 $11,918 $30,042 $99,410 $277,179 
Special Mention— — — — — — — — 
Substandard— 474 2,231 493 129 72 — 3,399 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business including secured by farmland$33,119 $25,812 $52,182 $27,894 $12,047 $30,114 $99,410 $280,578 
The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of March 31, 2022 and December 31, 2021 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Small balance CRE
Past Due Category
Current$36,824 $201,375 $177,615 $141,065 $159,917 $442,307 $522 $1,159,625 
30-59 Days Past Due— 1,208 — — — 189 — 1,397 
60-89 Days Past Due— — — — — 1,140 — 1,140 
90 Days + Past Due— — — — — 2 — 2 
Total Small balance CRE$36,824 $202,583 $177,615 $141,065 $159,917 $443,638 $522 $1,162,164 
Small business scored
Past Due Category
Current$69,223 $226,661 $118,701 $101,406 $73,788 $112,324 $111,565 $813,668 
30-59 Days Past Due— 36 655 685 259 275 168 2,078 
60-89 Days Past Due— 12 105 58 86 192 2 455 
90 Days + Past Due— — 69 — 166 589 40 864 
Total Small business scored$69,223 $226,709 $119,530 $102,149 $74,299 $113,380 $111,775 $817,065 
One- to four- family residential
Past Due Category
Current$132,083 $202,223 $64,634 $46,143 $42,586 $224,785 $1,237 $713,691 
30-59 Days Past Due— 27 204 193 700 792 — 1,916 
60-89 Days Past Due— — — 1,078 — 73 — 1,151 
90 Days + Past Due— — — — 159 1,486 — 1,645 
Total One- to four- family residential$132,083 $202,250 $64,838 $47,414 $43,445 $227,136 $1,237 $718,403 
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,720 $1,359 $671 $1,420 $1,878 $4,581 $452,991 $468,620 
30-59 Days Past Due— — — 101 152 36 379 668 
60-89 Days Past Due— — — — — 77 — 77 
90 Days + Past Due— — — 110 127 784 99 1,120 
Total Consumer—home equity revolving lines of credit$5,720 $1,359 $671 $1,631 $2,157 $5,478 $453,469 $470,485 
Consumer-other
Past Due Category
Current$4,842 $16,817 $11,831 $8,079 $7,252 $21,096 $26,709 $96,626 
30-59 Days Past Due— 7 3 16 6 51 166 249 
60-89 Days Past Due— 75 6 — 9 3 29 122 
90 Days + Past Due— — 60 — 3 7 — 70 
Total Consumer-other$4,842 $16,899 $11,900 $8,095 $7,270 $21,157 $26,904 $97,067 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20202019201820172016Prior
Small balance CRE
Past Due Category
Current$215,933 $208,482 $157,342 $182,940 $138,239 $377,007 $533 $1,280,476 
30-59 Days Past Due40 — — — 49 — — 89 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — — 1,186 112 — 1,298 
Total Small balance CRE$215,973 $208,482 $157,342 $182,940 $139,474 $377,119 $533 $1,281,863 
Small business scored
Past Due Category
Current$235,435 $126,959 $109,483 $84,460 $55,940 $69,504 $108,632 $790,413 
30-59 Days Past Due260 268 — 133 74 4 185 924 
60-89 Days Past Due— — 133 11 9 248 64 465 
90 Days + Past Due— 69 — 62 306 7 64 508 
Total Small business scored$235,695 $127,296 $109,616 $84,666 $56,329 $69,763 $108,945 $792,310 
One- to four- family residential
Past Due Category
Current$225,020 $77,873 $53,854 $48,299 $51,654 $195,479 $1,425 $653,604 
30-59 Days Past Due— 596 — 404 635 683 — 2,318 
60-89 Days Past Due— — 2 295 — 30 — 327 
90 Days + Past Due— — — 167 — 1,058 — 1,225 
Total One- to four- family residential$225,020 $78,469 $53,856 $49,165 $52,289 $197,250 $1,425 $657,474 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20202019201820172016Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$7,135 $1,210 $1,324 $1,772 $1,764 $2,920 $440,352 $456,477 
30-59 Days Past Due147 — — 23 37 568 210 985 
60-89 Days Past Due49 — — — 45 83 91 268 
90 Days + Past Due— — 109 191 156 188 159 803 
Total Consumer—home equity revolving lines of credit$7,331 $1,210 $1,433 $1,986 $2,002 $3,759 $440,812 $458,533 
Consumer-other
Past Due Category
Current$18,640 $12,803 $8,676 $8,242 $6,138 $17,055 $25,336 $96,890 
30-59 Days Past Due— 114 13 150 22 29 60 388 
60-89 Days Past Due6 — 2 — — 8 59 75 
90 Days + Past Due— — 10 6 — — — 16 
Total Consumer-other$18,646 $12,917 $8,701 $8,398 $6,160 $17,092 $25,455 $97,369 
Loans, Collateral Dependent [Table Text Block]
The following tables provide the amortized cost basis of collateral-dependent loans as of March 31, 2022 and December 31, 2021 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.
 March 31, 2022
Real EstateEquipmentTotal
Commercial real estate:  
Investment properties$5,953 $— $5,953 
Small balance CRE3,974 — 3,974 
Commercial business
Agricultural business, including secured by farmland
427 594 1,021 
Total$10,354 $632 $10,986 

 December 31, 2021
Real EstateEquipmentTotal
Commercial real estate:  
Owner-occupied$921 $— $921 
Investment properties6,136 — 6,136 
Small balance CRE5,902 — 5,902 
Commercial business
Commercial business17 47 64 
Agricultural business, including secured by farmland
427 594 1,021 
Total$13,403 $641 $14,044 
Schedule of Age Analysis of the Company's Past Due Loans
The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of March 31, 2022 and December 31, 2021 (in thousands). Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Small balance CRE
Past Due Category
Current$36,824 $201,375 $177,615 $141,065 $159,917 $442,307 $522 $1,159,625 
30-59 Days Past Due— 1,208 — — — 189 — 1,397 
60-89 Days Past Due— — — — — 1,140 — 1,140 
90 Days + Past Due— — — — — 2 — 2 
Total Small balance CRE$36,824 $202,583 $177,615 $141,065 $159,917 $443,638 $522 $1,162,164 
Small business scored
Past Due Category
Current$69,223 $226,661 $118,701 $101,406 $73,788 $112,324 $111,565 $813,668 
30-59 Days Past Due— 36 655 685 259 275 168 2,078 
60-89 Days Past Due— 12 105 58 86 192 2 455 
90 Days + Past Due— — 69 — 166 589 40 864 
Total Small business scored$69,223 $226,709 $119,530 $102,149 $74,299 $113,380 $111,775 $817,065 
One- to four- family residential
Past Due Category
Current$132,083 $202,223 $64,634 $46,143 $42,586 $224,785 $1,237 $713,691 
30-59 Days Past Due— 27 204 193 700 792 — 1,916 
60-89 Days Past Due— — — 1,078 — 73 — 1,151 
90 Days + Past Due— — — — 159 1,486 — 1,645 
Total One- to four- family residential$132,083 $202,250 $64,838 $47,414 $43,445 $227,136 $1,237 $718,403 
March 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,720 $1,359 $671 $1,420 $1,878 $4,581 $452,991 $468,620 
30-59 Days Past Due— — — 101 152 36 379 668 
60-89 Days Past Due— — — — — 77 — 77 
90 Days + Past Due— — — 110 127 784 99 1,120 
Total Consumer—home equity revolving lines of credit$5,720 $1,359 $671 $1,631 $2,157 $5,478 $453,469 $470,485 
Consumer-other
Past Due Category
Current$4,842 $16,817 $11,831 $8,079 $7,252 $21,096 $26,709 $96,626 
30-59 Days Past Due— 7 3 16 6 51 166 249 
60-89 Days Past Due— 75 6 — 9 3 29 122 
90 Days + Past Due— — 60 — 3 7 — 70 
Total Consumer-other$4,842 $16,899 $11,900 $8,095 $7,270 $21,157 $26,904 $97,067 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of March 31, 2022 and December 31, 2021 (in thousands):
 March 31, 2022
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $221 $— $221 $872,580 $872,801 $— $301 $— 
Investment properties1,504 2,071 — 3,575 1,667,321 1,670,896 3,565 5,953 — 
Small balance CRE1,397 1,140 2 2,539 1,159,625 1,162,164 3,956 4,364 — 
Multifamily real estate— — — — 598,588 598,588 — — — 
Construction, land and land development:
Commercial construction— — — — 179,796 179,796 — — — 
Multifamily construction— — — — 274,015 274,015 — — — 
One- to four-family construction— — — — 582,800 582,800 — — — 
Land and land development106 — — 106 317,454 317,560 — 119 — 
Commercial business
Commercial business664 116 509 1,289 1,138,412 1,139,701 38 604 351 
Small business scored2,078 455 864 3,397 813,668 817,065 — 1,241 — 
Agricultural business, including secured by farmland
65 — 1,021 1,086 244,202 245,288 1,021 1,021 — 
One- to four-family residential1,916 1,151 1,645 4,712 713,691 718,403 — 2,199 210 
Consumer:
Consumer—home equity revolving lines of credit668 77 1,120 1,865 468,620 470,485 — 2,056 114 
Consumer—other249 122 70 441 96,626 97,067 — 67 7 
Total$8,647 $5,353 $5,231 $19,231 $9,127,398 $9,146,629 $8,580 $17,925 $682 
 December 31, 2021
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$233 $— $448 $681 $830,942 $831,623 $924 $1,456 $— 
Investment properties81 — — 81 1,673,946 1,674,027 3,706 6,282 — 
Small balance CRE89 — 1,298 1,387 1,280,476 1,281,863 5,886 6,421 — 
Multifamily real estate— — — — 530,885 530,885 — — — 
Construction, land and land development:
Commercial construction— — 98 98 167,900 167,998 — 98 — 
Multifamily construction— — — — 259,116 259,116 — — — 
One- to four-family construction162 — — 162 568,591 568,753 — — — 
Land and land development51 — 14 65 313,389 313,454 — 381 — 
Commercial business
Commercial business5,157 1,007 588 6,752 1,164,028 1,170,780 228 1,144 2 
Small business scored924 465 508 1,897 790,413 792,310 — 1,012 — 
Agricultural business, including secured by farmland
139 — 1,021 1,160 279,418 280,578 1,021 1,022 — 
One-to four-family residential2,318 327 1,225 3,870 653,604 657,474 — 2,711 436 
Consumer:
Consumer—home equity revolving lines of credit985 268 803 2,056 456,477 458,533 — 1,736 114 
Consumer—other388 75 16 479 96,890 97,369 — 18 3 
Total$10,527 $2,142 $6,019 $18,688 $9,066,075 $9,084,763 $11,765 $22,281 $555 
Allowance for Credit Losses on Financing Receivables
The following tables provide the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2022 and 2021 (in thousands):
 For the Three Months Ended March 31, 2022
 Commercial
Real Estate		Multifamily
Real Estate		Construction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$52,995 $7,043 $27,294 $26,421 $3,190 $8,205 $6,951 $132,099 
(Recapture)/provision for credit losses(5,816)140 (994)167 (722)(136)(15)(7,376)
Recoveries87 — 384 149 118 40 216 994 
Charge-offs(2)— (5)(82)— — (157)(246)
Ending balance$47,264 $7,183 $26,679 $26,655 $2,586 $8,109 $6,995 $125,471 

The changes in the allowance for credit losses - loans during the three months ended March 31, 2022 were primarily the result of the $7.4 million recapture of provision for credit losses - loans recorded during the current quarter. The recapture of provision for credit losses - loans for the current quarter primarily reflects improvement in the forecasted economic indicators used to calculate the allowance for credit losses - loans and a decrease in adversely classified loans. The change in allowance for credit losses - loans during the three months ended March 31, 2022 was also impacted by net recoveries of $748,000 recognized during the period.
 For the Three Months Ended March 31, 2021
 Commercial
 Real Estate		Multifamily
Real Estate		Construction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$57,791 $3,893 $41,295 $35,007 $4,914 $9,913 $14,466 $167,279 
Provision/(recapture) for credit losses5,359 474 (4,955)(3,786)(297)(2,038)(2,792)(8,035)
Recoveries24 — 100 979 — 113 296 1,512 
Charge-offs(3,763)— — (789)— — (150)(4,702)
Ending balance$59,411 $4,367 $36,440 $31,411 $4,617 $7,988 $11,820 $156,054