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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES (Tables)
 3 Months Ended 6 Months Ended
Jun. 30, 2022
Jun. 30, 2022
Receivables [Abstract]    
Schedule of Loans Receivable, Including Loans Held for Sale The following table presents the loans receivable at June 30, 2022 and December 31, 2021 by class (dollars in thousands).
 June 30, 2022December 31, 2021
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$845,184 8.9 %$831,623 9.2 %
Investment properties1,628,105 17.2 1,674,027 18.4 
Small balance CRE1,191,903 12.6 1,281,863 14.1 
Multifamily real estate575,183 6.1 530,885 5.8 
Construction, land and land development:
Commercial construction193,984 2.1 167,998 1.8 
Multifamily construction256,952 2.7 259,116 2.9 
One- to four-family construction625,488 6.6 568,753 6.3 
Land and land development320,041 3.4 313,454 3.5 
Commercial business:
Commercial business (1)
1,206,938 12.8 1,170,780 12.9 
Small business scored865,828 9.1 792,310 8.7 
Agricultural business, including secured by farmland (2)
283,415 3.0 280,578 3.1 
One- to four-family residential868,175 9.2 657,474 7.2 
Consumer:
Consumer—home equity revolving lines of credit
506,524 5.4 458,533 5.0 
Consumer—other89,109 0.9 97,369 1.1 
Total loans9,456,829 100.0 %9,084,763 100.0 %
Less allowance for credit losses – loans(128,702) (132,099) 
Net loans$9,328,127  $8,952,664  
  
Schedule of Troubled Debt Restructurings   There were no new TDRs that occurred during the six months ended June 30, 2022 or June 30, 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 June 30, 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.
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Commercial real estate - owner occupied
Risk Rating
Pass$76,892 $195,174 $163,847 $80,712 $67,811 $171,925 $16,409 $772,770 
Special Mention426 — — 4,505 — 2,101 462 7,494 
Substandard10,309 3,258 — 15,878 16,471 19,004 — 64,920 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$87,627 $198,432 $163,847 $101,095 $84,282 $193,030 $16,871 $845,184 
Commercial real estate - investment properties
Risk Rating
Pass$93,977 $328,582 $168,078 $192,367 $176,405 $613,841 $12,620 $1,585,870 
Special Mention— — — — — 4,258 — 4,258 
Substandard11,623 14,350 — 3,318 — 7,342 1,344 37,977 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$105,600 $342,932 $168,078 $195,685 $176,405 $625,441 $13,964 $1,628,105 
Multifamily real estate
Risk Rating
Pass$80,857 $171,203 $79,195 $48,421 $29,962 $161,787 $2,276 $573,701 
Special Mention— — — — — — — — 
Substandard— — — — — 1,482 — 1,482 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$80,857 $171,203 $79,195 $48,421 $29,962 $163,269 $2,276 $575,183 
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Commercial construction
Risk Rating
Pass$81,495 $84,706 $14,770 $3,640 $1,144 $— $— $185,755 
Special Mention— 1 — — — — — 1 
Substandard2,719 — 73 680 4,756 — — 8,228 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$84,214 $84,707 $14,843 $4,320 $5,900 $— $— $193,984 
Multifamily construction
Risk Rating
Pass$67,425 $101,630 $63,098 $24,799 $— $— $— $256,952 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$67,425 $101,630 $63,098 $24,799 $— $— $— $256,952 
One- to four- family construction
Risk Rating
Pass$354,622 $265,197 $4,658 $332 $— $— $679 $625,488 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$354,622 $265,197 $4,658 $332 $— $— $679 $625,488 
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Land and land development
Risk Rating
Pass$109,399 $132,696 $47,886 $15,653 $7,095 $6,964 $112 $319,805 
Special Mention— — — — — — — — 
Substandard— — 13 22 97 104 — 236 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$109,399 $132,696 $47,899 $15,675 $7,192 $7,068 $112 $320,041 
Commercial business
Risk Rating
Pass$141,088 $181,575 $181,729 $159,650 $99,821 $99,309 $325,792 $1,188,964 
Special Mention— 1,847 781 — 2,906 17 3,309 8,860 
Substandard641 871 1,137 1,030 1,956 1,152 2,327 9,114 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$141,729 $184,293 $183,647 $160,680 $104,683 $100,478 $331,428 $1,206,938 
Agricultural business including secured by farmland
Risk Rating
Pass$24,443 $35,434 $20,545 $36,152 $26,089 $38,290 $94,742 $275,695 
Special Mention— 1,058 416 — — 1,002 2,455 4,931 
Substandard1,582 — 42 594 427 67 77 2,789 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business including secured by farmland$26,025 $36,492 $21,003 $36,746 $26,516 $39,359 $97,274 $283,415 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20212020201920182017Prior
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:20212020201920182017Prior
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:20212020201920182017Prior
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 June 30, 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.
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Small balance CRE
Past Due Category
Current$105,042 $206,414 $176,331 $138,887 $152,451 $407,624 $513 $1,187,262 
30-59 Days Past Due— 36 — 191 — 642 — 869 
60-89 Days Past Due— 1,957 — — — 1,813 — 3,770 
90 Days + Past Due— — — — — 2 — 2 
Total Small balance CRE$105,042 $208,407 $176,331 $139,078 $152,451 $410,081 $513 $1,191,903 
Small business scored
Past Due Category
Current$150,228 $216,449 $112,968 $95,526 $67,301 $99,350 $122,198 $864,020 
30-59 Days Past Due— — 68 281 266 76 287 978 
60-89 Days Past Due— 9 — 272 — 30 25 336 
90 Days + Past Due— — 52 42 71 329 — 494 
Total Small business scored$150,228 $216,458 $113,088 $96,121 $67,638 $99,785 $122,510 $865,828 
One- to four- family residential
Past Due Category
Current$275,306 $231,818 $62,716 $41,088 $40,791 $212,430 $992 $865,141 
30-59 Days Past Due— 26 — — — 185 — 211 
60-89 Days Past Due— — 177 402 — 27 — 606 
90 Days + Past Due— — 218 255 211 1,533 — 2,217 
Total One- to four- family residential$275,306 $231,844 $63,111 $41,745 $41,002 $214,175 $992 $868,175 
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,292 $1,957 $460 $1,433 $1,757 $4,519 $489,232 $504,650 
30-59 Days Past Due49 50 — 90 88 511 124 912 
60-89 Days Past Due96 — — — 38 76 — 210 
90 Days + Past Due— — 73 210 64 305 100 752 
Total Consumer—home equity revolving lines of credit$5,437 $2,007 $533 $1,733 $1,947 $5,411 $489,456 $506,524 
Consumer-other
Past Due Category
Current$5,692 $15,007 $10,871 $7,464 $6,556 $19,631 $23,413 $88,634 
30-59 Days Past Due57 50 26 103 10 28 83 357 
60-89 Days Past Due— — 14 29 — — 53 96 
90 Days + Past Due— — 12 — — 10 — 22 
Total Consumer-other$5,749 $15,057 $10,923 $7,596 $6,566 $19,669 $23,549 $89,109 
December 31, 2021
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20212020201920182017Prior
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:20212020201920182017Prior
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 June 30, 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.
 June 30, 2022
Real EstateEquipmentTotal
Commercial real estate:  
Investment properties$3,812 $— $3,812 
Small balance CRE5,747 — 5,747 
Commercial business— 30 30 
Agricultural business, including secured by farmland
427 594 1,021 
Total$9,986 $624 $10,610 

 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 June 30, 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.
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Small balance CRE
Past Due Category
Current$105,042 $206,414 $176,331 $138,887 $152,451 $407,624 $513 $1,187,262 
30-59 Days Past Due— 36 — 191 — 642 — 869 
60-89 Days Past Due— 1,957 — — — 1,813 — 3,770 
90 Days + Past Due— — — — — 2 — 2 
Total Small balance CRE$105,042 $208,407 $176,331 $139,078 $152,451 $410,081 $513 $1,191,903 
Small business scored
Past Due Category
Current$150,228 $216,449 $112,968 $95,526 $67,301 $99,350 $122,198 $864,020 
30-59 Days Past Due— — 68 281 266 76 287 978 
60-89 Days Past Due— 9 — 272 — 30 25 336 
90 Days + Past Due— — 52 42 71 329 — 494 
Total Small business scored$150,228 $216,458 $113,088 $96,121 $67,638 $99,785 $122,510 $865,828 
One- to four- family residential
Past Due Category
Current$275,306 $231,818 $62,716 $41,088 $40,791 $212,430 $992 $865,141 
30-59 Days Past Due— 26 — — — 185 — 211 
60-89 Days Past Due— — 177 402 — 27 — 606 
90 Days + Past Due— — 218 255 211 1,533 — 2,217 
Total One- to four- family residential$275,306 $231,844 $63,111 $41,745 $41,002 $214,175 $992 $868,175 
June 30, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,292 $1,957 $460 $1,433 $1,757 $4,519 $489,232 $504,650 
30-59 Days Past Due49 50 — 90 88 511 124 912 
60-89 Days Past Due96 — — — 38 76 — 210 
90 Days + Past Due— — 73 210 64 305 100 752 
Total Consumer—home equity revolving lines of credit$5,437 $2,007 $533 $1,733 $1,947 $5,411 $489,456 $506,524 
Consumer-other
Past Due Category
Current$5,692 $15,007 $10,871 $7,464 $6,556 $19,631 $23,413 $88,634 
30-59 Days Past Due57 50 26 103 10 28 83 357 
60-89 Days Past Due— — 14 29 — — 53 96 
90 Days + Past Due— — 12 — — 10 — 22 
Total Consumer-other$5,749 $15,057 $10,923 $7,596 $6,566 $19,669 $23,549 $89,109 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of June 30, 2022 and December 31, 2021 (in thousands):
 June 30, 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$51 $180 $899 $1,130 $844,054 $845,184 $— $258 $899 
Investment properties— 3,644 — 3,644 1,624,461 1,628,105 3,127 3,812 — 
Small balance CRE869 3,770 2 4,641 1,187,262 1,191,903 5,750 5,971 — 
Multifamily real estate— — — — 575,183 575,183 — — — 
Construction, land and land development:
Commercial construction— — — — 193,984 193,984 — — — 
Multifamily construction— — — — 256,952 256,952 — — — 
One- to four-family construction— — — — 625,488 625,488 — — — 
Land and land development— — — — 320,041 320,041 — 200 — 
Commercial business:
Commercial business248 77 128 453 1,206,485 1,206,938 29 506 20 
Small business scored978 336 494 1,808 864,020 865,828 — 1,015 — 
Agricultural business, including secured by farmland
— 42 1,022 1,064 282,351 283,415 1,022 1,022 — 
One- to four-family residential211 606 2,217 3,034 865,141 868,175 — 2,002 1,053 
Consumer:
Consumer—home equity revolving lines of credit912 210 752 1,874 504,650 506,524 — 1,859 73 
Consumer—other357 96 22 475 88,634 89,109 — 15 10 
Total$3,626 $8,961 $5,536 $18,123 $9,438,706 $9,456,829 $9,928 $16,660 $2,055 
 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 and six months ended June 30, 2022 and 2021 (in thousands):
 For the Three Months Ended June 30, 2022
 Commercial
Real Estate		Multifamily
Real Estate		Construction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$47,264 $7,183 $26,679 $26,655 $2,586 $8,109 $6,995 $125,471 
(Recapture)/provision for credit losses(1,020)(277)260 2,032 402 1,366 381 3,144 
Recoveries129 — — 234 14 98 112 587 
Charge-offs— — — (248)— — (252)(500)
Ending balance$46,373 $6,906 $26,939 $28,673 $3,002 $9,573 $7,236 $128,702 
For the Six Months Ended June 30, 2022
 Commercial
Real Estate		Multifamily
Real Estate		Construction and LandCommercial
Business		Agricultural
Business		One- 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 
Provision/(recapture) for credit losses(6,836)(137)(734)2,199 (320)1,230 366 (4,232)
Recoveries216 — 384 383 132 138 328 1,581 
Charge-offs(2)— (5)(330)— — (409)(746)
Ending balance$46,373 $6,906 $26,939 $28,673 $3,002 $9,573 $7,236 $128,702 
 For the Three Months Ended June 30, 2021
 Commercial
 Real Estate		Multifamily
Real Estate		Construction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$59,411 $4,367 $36,440 $31,411 $4,617 $7,988 $11,820 $156,054 
Provision/(recapture) for credit losses794 1,440 (5,541)(779)(1,367)1,792 (4,439)(8,100)
Recoveries147 — — 321 8 20 97 593 
Charge-offs(3)— — (123)(2)— (410)(538)
Ending balance$60,349 $5,807 $30,899 $30,830 $3,256 $9,800 $7,068 $148,009 
 For the Six Months Ended June 30, 2021
 Commercial
 Real Estate		Multifamily
Real Estate		Construction and LandCommercial
Business		Agricultural
Business		One- to Four-Family ResidentialConsumerTotal
Allowance for loan losses:        
Beginning balance$57,791 $3,893 $41,295 $35,007 $4,914 $9,913 $14,466 $167,279 
Provision/(recapture) for credit losses6,153 1,914 (10,496)(4,565)(1,664)(246)(7,231)(16,135)
Recoveries171 — 100 1,300 8 133 393 2,105 
Charge-offs(3,766)— — (912)(2)— (560)(5,240)
Ending balance$60,349 $5,807 $30,899 $30,830 $3,256 $9,800 $7,068 $148,009