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LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES
 12 Months Ended
Dec. 31, 2022
Receivables [Abstract]  
Financing Receivables
During the first quarter of 2022, the Company changed the segmentation of its Small Balance CRE loan category based on the common risk characteristics used to measure the allowance for credit losses - loans. The presentation of loans receivable at December 31, 2021 has been updated to match the segmentation used in the current period presentation. The following table presents the loans receivable at December 31, 2022 and 2021 by class (dollars in thousands).
 December 31, 2022December 31, 2021
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$845,320 8.3 %$831,623 9.2 %
Investment properties1,589,975 15.7 1,674,027 18.4 
Small balance CRE1,200,251 11.8 1,281,863 14.1 
Multifamily real estate645,071 6.4 530,885 5.8 
Construction, land and land development:
Commercial construction184,876 1.8 167,998 1.8 
Multifamily construction325,816 3.2 259,116 2.9 
One- to four-family construction647,329 6.4 568,753 6.3 
Land and land development328,475 3.2 313,454 3.5 
Commercial business:
Commercial business (1)
1,283,407 12.7 1,170,780 12.9 
Small business scored947,092 9.3 792,310 8.7 
Agricultural business, including secured by farmland(2)
295,077 2.9 280,578 3.1 
One- to four-family residential1,173,112 11.6 657,474 7.2 
Consumer:
Consumer—home equity revolving lines of credit
566,291 5.6 458,533 5.0 
Consumer—other114,632 1.1 97,369 1.1 
Total loans10,146,724 100.0 %9,084,763 100.0 %
Less allowance for credit losses - loans(141,465)(132,099)
Net loans$10,005,259 $8,952,664 

(1)    Includes $7.6 million and $132.6 million of SBA Paycheck Protection Program (PPP) loans as of December 31, 2022 and December 31, 2021, respectively.
(2)    Includes $334,000 of SBA PPP loans as of December 31, 2022 and $1.4 million as of December 31, 2021.

Loan amounts are net of unearned loan fees in excess of unamortized costs of $8.1 million as of December 31, 2022 and $8.6 million as of December 31, 2021. Net loans include net discounts on acquired loans of $6.6 million and $9.7 million as of December 31, 2022 and 2021, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $39.8 million as of December 31, 2022 and $29.2 million as of December 31, 2021 and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition.

At December 31, 2022 and 2021, the Company had pledged $6.5 billion and $5.4 billion of loans as collateral for FHLB and other borrowings, respectively.
 
The Company’s loans to directors, executive officers and related entities are on substantially the same terms and underwriting as those prevailing at the time for comparable transactions with unrelated persons and do not involve more than normal risk of collectability.  Such loans had balances of $683,000 and $700,000 at December 31, 2022 and 2021, respectively.

Purchased credit-deteriorated and purchased non-credit-deteriorated loans. Loans acquired in business combinations are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated (PCD) or purchased non-credit-deteriorated. There were no PCD loans at December 31, 2022 or 2021.

Troubled Debt Restructurings. 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.  The Company’s 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 of December 31, 2022 and 2021, the Company had TDRs of $4.3 million and $5.5 million, respectively. The Company had no commitments to advance additional funds related to TDRs as of both December 31, 2022 and 2021.

There were no new TDRs that occurred during the years ended December 31, 2022 or December 31, 2021.
There were no TDRs which incurred a payment default within the years ended December 31, 2022 and 2021, for which the payment default occurred within twelve months of the restructure date. 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 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 on the borrower’s ability to repay, in a timely fashion, both principal and interest.  The Company’s risk-rating and loan grading policies are reviewed and approved annually. There were no material changes in the risk-rating or loan grading system for the periods presented.

Risk Ratings 1-5: Pass
Credits with risk ratings of 1 to 5 meet the definition of a pass risk rating. The strength of credits vary within the pass risk ratings, ranging from a risk rated 1 being an exceptional credit to a risk rated 5 being an acceptable credit that requires a more than normal level of supervision.

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 make the amount and timing of any loss indeterminable.  In these situations taking the loss is inappropriate until the outcome of the pending event is clear.

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 by class and by grade as of December 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.
December 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Commercial real estate - owner occupied
Risk Rating
Pass$167,150 $198,787 $150,272 $74,171 $57,095 $148,902 $10,833 $807,210 
Special Mention— — — 2,829 — 42 201 3,072 
Substandard13,756 — 7,211 13,564 — 307 200 35,038 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$180,906 $198,787 $157,483 $90,564 $57,095 $149,251 $11,234 $845,320 
Commercial real estate - investment properties
Risk Rating
Pass$190,627 $323,160 $142,476 $182,853 $169,667 $547,899 $25,691 $1,582,373 
Special Mention— — — — — — — — 
Substandard— — — 3,283 — 3,007 1,312 7,602 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$190,627 $323,160 $142,476 $186,136 $169,667 $550,906 $27,003 $1,589,975 
Multifamily real estate
Risk Rating
Pass$139,383 $177,784 $93,961 $46,460 $29,665 $156,140 $1,678 $645,071 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$139,383 $177,784 $93,961 $46,460 $29,665 $156,140 $1,678 $645,071 
December 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Commercial construction
Risk Rating
Pass$112,229 $46,679 $12,952 $4,260 $1,107 $— $— $177,227 
Special Mention— — — — — — — — 
Substandard2,931 1 — — 4,717 — — 7,649 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$115,160 $46,680 $12,952 $4,260 $5,824 $— $— $184,876 
Multifamily construction
Risk Rating
Pass$142,680 $161,066 $20,622 $1,448 $— $— $— $325,816 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$142,680 $161,066 $20,622 $1,448 $— $— $— $325,816 
One- to four- family construction
Risk Rating
Pass$572,701 $56,530 $677 $331 $— $— $711 $630,950 
Special Mention— — — — — — — — 
Substandard13,473 2,906 — — — — — 16,379 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$586,174 $59,436 $677 $331 $— $— $711 $647,329 
December 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Land and land development
Risk Rating
Pass$199,339 $88,066 $16,278 $11,866 $6,242 $6,164 $339 $328,294 
Special Mention— — — — — — — — 
Substandard— — — — 97 84 — 181 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$199,339 $88,066 $16,278 $11,866 $6,339 $6,248 $339 $328,475 
Commercial business
Risk Rating
Pass$249,609 $149,140 $161,494 $126,416 $86,712 $85,386 $391,852 $1,250,609 
Special Mention74 26 3,467 — — — 200 3,767 
Substandard464 12,599 1,956 1,161 5,954 796 6,101 29,031 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$250,147 $161,765 $166,917 $127,577 $92,666 $86,182 $398,153 $1,283,407 
Agricultural business, including secured by farmland
Risk Rating
Pass$36,848 $35,440 $18,946 $28,354 $24,710 $27,063 $109,606 $280,967 
Special Mention— 336 271 — — — 357 964 
Substandard2,015 970 — 6,565 — 2,599 997 13,146 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$38,863 $36,746 $19,217 $34,919 $24,710 $29,662 $110,960 $295,077 
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 December 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.
December 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Small balance CRE
Past Due Category
Current$177,605 $215,801 $172,286 $134,552 $142,592 $354,924 $630 $1,198,390 
30-59 Days Past Due— — 460 — — 1,399 — 1,859 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — — — 2 — 2 
Total Small balance CRE$177,605 $215,801 $172,746 $134,552 $142,592 $356,325 $630 $1,200,251 
Small business scored
Past Due Category
Current$307,109 $201,628 $99,867 $81,603 $56,420 $78,025 $119,281 $943,933 
30-59 Days Past Due146 518 54 262 46 280 173 1,479 
60-89 Days Past Due— 54 — 275 149 7 176 661 
90 Days + Past Due— — 26 157 70 305 461 1,019 
Total Small business scored$307,255 $202,200 $99,947 $82,297 $56,685 $78,617 $120,091 $947,092 
One- to four- family residential
Past Due Category
Current$555,833 $279,331 $59,672 $34,607 $37,740 $191,890 $1,335 $1,160,408 
30-59 Days Past Due2,030 846 755 — 116 1,462 78 5,287 
60-89 Days Past Due1,060 — — — 115 1,067 — 2,242 
90 Days + Past Due— 1,819 973 712 94 1,577 — 5,175 
Total One- to four- family residential$558,923 $281,996 $61,400 $35,319 $38,065 $195,996 $1,413 $1,173,112 
December 31, 2022
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20222021202020192018Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$7,442 $1,089 $329 $1,355 $1,611 $3,788 $547,068 $562,682 
30-59 Days Past Due49 40 75 — 74 214 1,372 1,824 
60-89 Days Past Due— 50 — — 49 45 59 203 
90 Days + Past Due— 14 73 476 64 675 280 1,582 
Total Consumer—home equity revolving lines of credit$7,491 $1,193 $477 $1,831 $1,798 $4,722 $548,779 $566,291 
Consumer-other
Past Due Category
Current$39,740 $12,138 $9,334 $5,695 $5,384 $16,675 $25,219 $114,185 
30-59 Days Past Due49 — 16 5 2 67 120 259 
60-89 Days Past Due41 9 29 24 — 13 62 178 
90 Days + Past Due— 10 — — — — — 10 
Total Consumer-other$39,830 $12,157 $9,379 $5,724 $5,386 $16,755 $25,401 $114,632 
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 
The following tables provide the amortized cost basis of collateral-dependent loans as of December 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.
 December 31, 2022
Real EstateEquipmentTotal
Commercial real estate:  
Small balance CRE$2,953 $— $2,953 
Commercial business:
Commercial business— 4,537 4,537 
Small business scored— 307 307 
One- to four-family residential1,622 — 1,622 
Total$4,575 $4,844 $9,419 

 December 31, 2021
Real EstateEquipmentTotal
Commercial real estate:  
Owner-occupied$921 $— $921 
Investment properties6,136 — 6,136 
Small balance CRE5,902 — 5,902 
Commercial business17 47 64 
Agricultural business, including secured by farmland
427 594 1,021 
Total$13,403 $641 $14,044 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of December 31, 2022 and 2021 (in thousands):
 December 31, 2022
 30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotal Past DueCurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $— $— $845,320 $845,320 $— $143 $— 
Investment properties— — — — 1,589,975 1,589,975 — — — 
Small balance CRE1,859 — 2 1,861 1,198,390 1,200,251 2,927 3,540 — 
Multifamily real estate— — — — 645,071 645,071 — — — 
Construction, land and land development:
Commercial construction— — — — 184,876 184,876 — — — 
Multifamily construction— — — — 325,816 325,816 — — — 
One- to four-family construction900 — — 900 646,429 647,329 — — — 
Land and land development921 — 97 1,018 327,457 328,475 — 181 — 
Commercial business:
Commercial business2,100 4,145 649 6,894 1,276,513 1,283,407 6,998 7,356 — 
Small business scored1,479 661 1,019 3,159 943,933 947,092 303 2,530 — 
Agricultural business, including secured by farmland
1,185 — 594 1,779 293,298 295,077 594 594 — 
One- to four-family residential5,287 2,242 5,175 12,704 1,160,408 1,173,112 1,569 5,236 1,023 
Consumer:
Consumer—home equity revolving lines of credit1,824 203 1,582 3,609 562,682 566,291 — 2,124 254 
Consumer—other259 178 10 447 114,185 114,632 — 2 10 
Total$15,814 $7,429 $9,128 $32,371 $10,114,353 $10,146,724 $12,391 $21,706 $1,287 
 December 31, 2021
 30-59 Days Past Due60-89 Days Past Due90 Days or More Past DueTotal Past DueCurrentTotal 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 

(1)     The Company did not recognize any interest income on non-accrual loans during both the years ended December 31, 2022 and 2021.
The following tables provide the activity in the allowance for credit losses - loans by portfolio segment for the years ended December 31, 2022, 2021 and 2020 (in thousands):
For the Year Ended December 31, 2022
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerUnallocatedTotal
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(9,299)691 1,523 6,654 (148)6,343 2,394 — 8,158 
Recoveries392 — 384 1,923 475 181 566 — 3,921 
Charge-offs(2)— (30)(1,699)(42)— (940)— (2,713)
Ending balance$44,086 $7,734 $29,171 $33,299 $3,475 $14,729 $8,971 $— $141,465 
Net loan recoveries as a percent of average outstanding loans during the period— %— %— %— %— %— %— %n/a0.01 %

 For the Year Ended December 31, 2021
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerUnallocatedTotal
Allowance for credit losses:         
Beginning balance$57,791 $3,893 $41,295 $35,007 $4,914 $9,913 $14,466 $— $167,279 
(Recapture)/provision for credit losses(2,758)3,209 (14,101)(8,621)(1,573)(1,907)(7,361)— (33,112)
Recoveries1,729 — 100 1,797 30 199 760 — 4,615 
Charge-offs(3,767)(59)— (1,762)(181)— (914)— (6,683)
Ending balance$52,995 $7,043 $27,294 $26,421 $3,190 $8,205 $6,951 $— $132,099 
Net loan charge-offs as a percent of average outstanding loans during the period(0.02)%— %— %— %— %— %— %n/a(0.02)%
For the Year Ended December 31, 2020
Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerUnallocatedTotal
Allowance for credit losses:
Beginning balance$30,591 $4,754 $22,994 $23,370 $4,120 $4,136 $8,202 $2,392 $100,559 
Impact of Adopting ASC 326(2,864)(2,204)2,515 3,010 (351)7,125 2,973 (2,392)7,812 
Provision/(recapture) for loan losses31,643 1,409 15,781 12,615 (87)(1,679)4,603 — 64,285 
Recoveries275 — 105 3,265 1,823 467 328 — 6,263 
Charge-offs(1,854)(66)(100)(7,253)(591)(136)(1,640)— (11,640)
Ending balance$57,791 $3,893 $41,295 $35,007 $4,914 $9,913 $14,466 $— $167,279 
Net loan (charge-offs) recoveries as a percent of average outstanding loans during the period(0.02)%— %— %(0.04)%0.01 %— %(0.01)%n/a(0.05)%