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LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES
The following table presents the loans receivable at September 30, 2023 and December 31, 2022 by class (dollars in thousands).
 September 30, 2023December 31, 2022
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$911,540 8.6 %$845,320 8.3 %
Investment properties1,530,087 14.4 1,589,975 15.7 
Small balance CRE1,169,828 11.0 1,200,251 11.8 
Multifamily real estate766,571 7.2 645,071 6.4 
Construction, land and land development:
Commercial construction168,061 1.6 184,876 1.8 
Multifamily construction453,129 4.3 325,816 3.2 
One- to four-family construction536,349 5.1 647,329 6.4 
Land and land development346,362 3.3 328,475 3.2 
Commercial business:
Commercial business (1)
1,263,747 11.9 1,283,407 12.7 
Small business scored1,000,714 9.4 947,092 9.3 
Agricultural business, including secured by farmland (2)
334,626 3.1 295,077 2.9 
One- to four-family residential1,438,694 13.6 1,173,112 11.6 
Consumer:
Consumer—home equity revolving lines of credit
579,836 5.4 566,291 5.6 
Consumer—other111,873 1.1 114,632 1.1 
Total loans10,611,417 100.0 %10,146,724 100.0 %
Less allowance for credit losses – loans(146,960) (141,465) 
Net loans$10,464,457  $10,005,259  

(1)    Includes $4.1 million and $7.6 million of U.S. Small Business Administration (SBA) Paycheck Protection Program (PPP) loans as of September 30, 2023 and December 31, 2022, respectively.
(2)    Includes no SBA PPP loans as of September 30, 2023, and $334,000 as of December 31, 2022.

Loan amounts are net of unearned loan fees in excess of unamortized costs of $11.2 million as of September 30, 2023, and $8.1 million as of December 31, 2022. Net loans include net discounts on acquired loans of $5.1 million and $6.6 million as of September 30, 2023 and December 31, 2022, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $45.5 million as of September 30, 2023, and $39.8 million as of December 31, 2022 and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition.

The Company had pledged $7.2 billion and $6.5 billion of loans as collateral for FHLB and other borrowings at September 30, 2023 and December 31, 2022, 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 acquired during the nine months ended September 30, 2023 or September 30, 2022.
Troubled Loan Modifications. Occasionally, the Company offers modifications of loans to borrowers experiencing financial difficulty by providing principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions or any combination of these. When principal forgiveness is provided, the amount of the forgiveness is charged-off against the allowance for credit losses - loans. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses - loans is adjusted by the same amount.
The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of September 30, 2023 and December 31, 2022 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 30, 2023. 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.
September 30, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Commercial real estate - owner occupied
Risk Rating
Pass$102,138 $169,190 $171,403 $141,986 $70,398 $170,367 $34,798 $860,280 
Special Mention1,771 — — — — — 2 1,773 
Substandard— 13,135 12,250 4,768 19,140 194 — 49,487 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$103,909 $182,325 $183,653 $146,754 $89,538 $170,561 $34,800 $911,540 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate - investment properties
Risk Rating
Pass$115,175 $170,017 $283,410 $124,196 $159,398 $633,933 $39,715 $1,525,844 
Special Mention— — — — — — 1,698 1,698 
Substandard985 — — — — 1,560 — 2,545 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$116,160 $170,017 $283,410 $124,196 $159,398 $635,493 $41,413 $1,530,087 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily real estate
Risk Rating
Pass$100,886 $154,906 $188,340 $101,808 $47,136 $171,673 $1,822 $766,571 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$100,886 $154,906 $188,340 $101,808 $47,136 $171,673 $1,822 $766,571 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
September 30, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Commercial construction
Risk Rating
Pass$65,309 $73,102 $11,207 $12,768 $— $5,675 $— $168,061 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$65,309 $73,102 $11,207 $12,768 $— $5,675 $— $168,061 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily construction
Risk Rating
Pass$89,261 $241,857 $121,595 $416 $— $— $— $453,129 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$89,261 $241,857 $121,595 $416 $— $— $— $453,129 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One- to four- family construction
Risk Rating
Pass$390,539 $112,833 $20,962 $— $331 $— $282 $524,947 
Special Mention— — — — — — — — 
Substandard8,073 253 3,076 — — — — 11,402 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$398,612 $113,086 $24,038 $— $331 $— $282 $536,349 
Current period gross charge-offs$136 $— $— $— $— $— $— $136 
September 30, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Land and land development
Risk Rating
Pass$165,451 $96,873 $50,679 $12,912 $8,730 $11,218 $1 $345,864 
Special Mention— — — — — — — — 
Substandard498 — — — — — — 498 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$165,949 $96,873 $50,679 $12,912 $8,730 $11,218 $1 $346,362 
Current period gross charge-offs$— $— $— $— $— $20 $— $20 
Commercial business
Risk Rating
Pass$110,637 $239,070 $128,206 $141,556 $107,820 $147,395 $356,568 $1,231,252 
Special Mention— — 760 3,183 — 1,972 1,850 7,765 
Substandard1,016 4,878 5,265 1,213 1,555 3,364 7,439 24,730 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$111,653 $243,948 $134,231 $145,952 $109,375 $152,731 $365,857 $1,263,747 
Current period gross charge-offs$22 $108 $681 $5 $— $27 $144 $987 
Agricultural business, including secured by farmland
Risk Rating
Pass$40,724 $36,644 $27,956 $17,851 $25,201 $40,386 $126,821 $315,583 
Special Mention550 — 652 — 1,690 386 2,572 5,850 
Substandard3,687 — 650 — 6,566 2,290 — 13,193 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$44,961 $36,644 $29,258 $17,851 $33,457 $43,062 $129,393 $334,626 
Current period gross charge-offs$— $430 $134 $— $— $— $— $564 
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 
The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of September 30, 2023 and December 31, 2022 (in thousands). In addition, the tables include the gross charge-offs for the nine months ended September 30, 2023. 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.
September 30, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Small balance CRE
Past Due Category
Current$70,771 $173,658 $219,478 $168,195 $124,351 $412,984 $391 $1,169,828 
30-59 Days Past Due— — — — — — — — 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — — — — — — 
Total Small balance CRE$70,771 $173,658 $219,478 $168,195 $124,351 $412,984 $391 $1,169,828 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$148,103 $282,890 $181,094 $88,641 $66,077 $103,493 $127,140 $997,438 
30-59 Days Past Due— 65 73 386 63 354 534 1,475 
60-89 Days Past Due— — 188 8 15 606 47 864 
90 Days + Past Due25 309 — 30 505 68 — 937 
Total Small business scored$148,128 $283,264 $181,355 $89,065 $66,660 $104,521 $127,721 $1,000,714 
Current period gross charge-offs$169 $386 $166 $179 $271 $182 $— $1,353 
One- to four- family residential
Past Due Category
Current$258,337 $600,917 $267,544 $58,001 $32,951 $212,790 $116 $1,430,656 
30-59 Days Past Due— — — — — 211 99 310 
60-89 Days Past Due236 596 234 — — 321 — 1,387 
90 Days + Past Due1,060 543 1,894 577 636 1,631 — 6,341 
Total One- to four- family residential$259,633 $602,056 $269,672 $58,578 $33,587 $214,953 $215 $1,438,694 
Current period gross charge-offs$— $— $— $4 $— $30 $— $34 
September 30, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,227 $2,557 $1,477 $1,578 $1,240 $5,653 $557,691 $575,423 
30-59 Days Past Due28 120 — 150 72 236 595 1,201 
60-89 Days Past Due— 51 — — 20 149 255 475 
90 Days + Past Due— 217 77 1,043 281 1,119 — 2,737 
Total Consumer—home equity revolving lines of credit$5,255 $2,945 $1,554 $2,771 $1,613 $7,157 $558,541 $579,836 
Current period gross charge-offs$— $— $14 $73 $— $19 $(3)$103 
Consumer-other
Past Due Category
Current$9,136 $33,926 $10,692 $7,379 $4,603 $18,967 $26,820 $111,523 
30-59 Days Past Due— 77 15 13 10 44 101 260 
60-89 Days Past Due— — 3 — — 11 76 90 
90 Days + Past Due— — — — — — — — 
Total Consumer-other$9,136 $34,003 $10,710 $7,392 $4,613 $19,022 $26,997 $111,873 
Current period gross charge-offs$— $40 $56 $20 $39 $95 $591 $841 
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 
The following tables provide the amortized cost basis of collateral-dependent loans as of September 30, 2023 and December 31, 2022 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.
 September 30, 2023
Real EstateEquipmentTotal
Small balance CRE$808 $— $808 
Construction, land and land development:
One- to four-family construction11,149 — 11,149 
Land and land development499 — 499 
Commercial business
Commercial business— 3,618 3,618 
Small business scored— 288 288 
Agricultural business, including secured by farmland
2,576 — 2,576 
One- to four-family residential3,354 — 3,354 
Consumer—home equity revolving lines of credit 821 — 821 
Total$19,207 $3,906 $23,113 

 December 31, 2022
Real EstateEquipmentTotal
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 $9,419 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2023 and December 31, 2022 (in thousands):
 September 30, 2023
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $— $— $911,540 $911,540 $— $63 $— 
Investment properties— — — — 1,530,087 1,530,087 — — — 
Small balance CRE— — — — 1,169,828 1,169,828 808 1,302 — 
Multifamily real estate— — — — 766,571 766,571 — — — 
Construction, land and land development:
Commercial construction— — — — 168,061 168,061 — — — 
Multifamily construction— — — — 453,129 453,129 — — — 
One- to four-family construction— — 5,040 5,040 531,309 536,349 4,788 5,040 — 
Land and land development— 42 499 541 345,821 346,362 498 498 — 
Commercial business:
Commercial business497 — 3,935 4,432 1,259,315 1,263,747 3,617 4,027 — 
Small business scored1,475 864 937 3,276 997,438 1,000,714 287 1,262 — 
Agricultural business, including secured by farmland
— 48 2,174 2,222 332,404 334,626 3,170 3,170 — 
One- to four-family residential310 1,387 6,341 8,038 1,430,656 1,438,694 2,256 5,480 1,799 
Consumer:
Consumer—home equity revolving lines of credit1,201 475 2,737 4,413 575,423 579,836 821 3,369 245 
Consumer—other260 90 — 350 111,523 111,873 — 9 — 
Total$3,743 $2,906 $21,663 $28,312 $10,583,105 $10,611,417 $16,245 $24,220 $2,044 
 December 31, 2022
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $— $— $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 

(1)     The Company did not recognize any interest income on non-accrual loans during the nine months ended September 30, 2023, or the year ended December 31, 2022.
The following tables provide the activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2023 and 2022 (in thousands):
 For the Three Months Ended September 30, 2023
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$43,636 $8,039 $29,844 $33,880 $3,573 $16,737 $8,971 $144,680 
Provision/(recapture) for credit losses210 765 (484)398 690 1,129 235 2,943 
Recoveries170 — 29 403 19 59 126 806 
Charge-offs— — — (616)(564)— (289)(1,469)
Ending balance$44,016 $8,804 $29,389 $34,065 $3,718 $17,925 $9,043 $146,960 
For the Nine Months Ended September 30, 2023
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$44,086 $7,734 $29,171 $33,299 $3,475 $14,729 $8,971 $141,465 
(Recapture)/provision for credit losses(498)1,070 345 2,060 677 3,018 604 7,276 
Recoveries428 — 29 1,046 130 212 412 2,257 
Charge-offs— — (156)(2,340)(564)(34)(944)(4,038)
Ending balance$44,016 $8,804 $29,389 $34,065 $3,718 $17,925 $9,043 $146,960 
 For the Three Months Ended September 30, 2022
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses:        
Beginning balance$46,373 $6,906 $26,939 $28,673 $3,002 $9,573 $7,236 $128,702 
(Recapture)/provision for credit losses(2,096)208 1,071 2,395 243 2,796 1,730 6,347 
Recoveries88 — — 924 252 25 85 1,374 
Charge-offs— — (25)(138)(42)— (300)(505)
Ending balance$44,365 $7,114 $27,985 $31,854 $3,455 $12,394 $8,751 $135,918 
 For the Nine Months Ended September 30, 2022
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for loan losses:        
Beginning balance$52,995 $7,043 $27,294 $26,421 $3,190 $8,205 $6,951 $132,099 
(Recapture)/provision for credit losses(8,932)71 337 4,594 (77)4,026 2,096 2,115 
Recoveries304 — 384 1,307 384 163 413 2,955 
Charge-offs(2)— (30)(468)(42)— (709)(1,251)
Ending balance$44,365 $7,114 $27,985 $31,854 $3,455 $12,394 $8,751 $135,918