LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2012

Schedule of Loans Receivable, Including Loans Held for Sale

Loans receivable, including loans held for sale, at September 30, 2012, December 31, 2011 and September 30, 2011 are summarized as follows (dollars in thousands):



	September 30, 2012					December 31, 2011					September 30, 2011
	Amount			Percent of Total		Amount			Percent of Total		Amount			Percent of Total
Commercial real estate
Owner-occupied	$	477,871		14.9	%	$	469,806		14.2	%	$	474,863		14.7	%
Investment properties	604,265			18.8		621,622			18.9		586,652			18.2
Multifamily real estate	138,716			4.3		139,710			4.2		134,146			4.2
Commercial construction	28,598			0.9		42,391			1.3		38,124			1.2
Multifamily construction	14,502			0.5		19,436			0.6		16,335			0.5
One- to four-family construction	163,521			5.1		144,177			4.4		145,776			4.5
Land and land development
Residential	79,932			2.5		97,491			3.0		96,875			3.0
Commercial	14,242			0.4		15,197			0.5		19,173			0.6
Commercial business	603,606			18.8		601,440			18.2		580,876			18.0
Agricultural business, including secured by farmland	219,084			6.8		218,171			6.6		211,571			6.6
One- to four-family real estate	594,413			18.5		642,501			19.5		639,909			19.8
Consumer	103,393			3.2		103,347			3.1		98,794			3.1
Consumer secured by one- to four-family	171,380			5.3		181,049			5.5		182,152			5.6
Total consumer	274,773			8.5		284,396			8.6		280,946			8.7
Total loans outstanding	3,213,523			100.0	%	3,296,338			100.0	%	3,225,246			100.0	%
Less allowance for loan losses	(78,783		)			(82,912		)			(86,128		)
Net loans	$	3,134,740				$	3,213,426				$	3,139,118

Schedule of Loans Receivable by Geographic Location

The Company’s loans by geographic concentration at September 30, 2012 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Other			Total
Commercial real estate
Owner-occupied	$	360,406		$	53,929		$	58,799		$	4,737		$	477,871
Investment properties	471,723			81,874			44,187			6,481			604,265
Multifamily real estate	117,769			13,190			7,436			321			138,716
Commercial construction	20,030			4,998			2,159			1,411			28,598
Multifamily construction	9,498			5,004			—			—			14,502
One- to four-family construction	88,350			73,375			1,796			—			163,521
Land and land development
Residential	39,181			38,781			1,970			—			79,932
Commercial	9,205			3,107			1,930			—			14,242
Commercial business	387,598			75,609			59,461			80,938			603,606
Agricultural business, including secured by farmland	109,099			45,418			64,567			—			219,084
One- to four-family real estate	365,510			201,898			24,542			2,463			594,413
Consumer	66,837			31,154			5,402			—			103,393
Consumer secured by one- to four- family	116,127			43,054			11,668			531			171,380
Total consumer	182,964			74,208			17,070			531			274,773
Total loans	$	2,161,333		$	671,391		$	283,917		$	96,882		$	3,213,523
Percent of total loans	67.3		%	20.9		%	8.8		%	3.0		%	100.0		%

Schedule of Land and Land Development Loans Receivable by State

The geographic concentrations of the Company’s land and land development loans by state at September 30, 2012 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Total
Residential:
Acquisition and development	$	6,229		$	15,820		$	1,710		$	23,759
Improved land and lots	22,727			20,273			260			43,260
Unimproved land	10,225			2,688			—			12,913
Commercial:
Acquisition and development	1,370			—			484			1,854
Improved land and lots	3,470			138			558			4,166
Unimproved land	4,365			2,969			888			8,222
Total land and land development loans	$	48,386		$	41,888		$	3,900		$	94,174
Percent of land and land development loans	51.4		%	44.5		%	4.1		%	100.0		%

Schedule of Adjustable and Fixed Rate Loans by Contractual Maturity Date

The Company originates both adjustable- and fixed-rate loans. The maturity and repricing composition of those loans, less undisbursed amounts and deferred fees, at September 30, 2012, December 31, 2011 and September 30, 2011 were as follows (in thousands):



	September 30, 2012		December 31, 2011		September 30, 2011
Fixed-rate (term to maturity):
Due in one year or less	$	185,379	$	216,782	$	194,153
Due after one year through three years	168,307		250,715		237,087
Due after three years through five years	168,348		182,647		170,747
Due after five years through ten years	165,973		157,559		162,461
Due after ten years	456,758		502,196		494,989
Total fixed-rate loans	1,144,765		1,309,899		1,259,437
Adjustable-rate (term to rate adjustment):
Due in one year or less	1,283,783		1,200,182		1,172,572
Due after one year through three years	291,778		425,309		431,373
Due after three years through five years	441,773		336,382		336,984
Due after five years through ten years	45,951		23,618		23,932
Due after ten years	5,473		948		948
Total adjustable-rate loans	2,068,758		1,986,439		1,965,809
Total loans	$	3,213,523	$	3,296,338	$	3,225,246

Schedule of Impaired Loans and Related Allocated Reserve for Loan Losses

The amount of impaired loans and the related allocated reserve for loan losses as of September 30, 2012 and December 31, 2011 were as follows (in thousands):



	September 30, 2012				December 31, 2011
	Loan Amount		Allocated Reserves		Loan Amount		Allocated Reserves
Impaired loans:
Nonaccrual loans
Commercial real estate
Owner-occupied	$	2,895	$	111	$	4,306	$	281
Investment properties	2,679		62		4,920		626
Multifamily real estate	—		—		362		11
Commercial construction	—		—		949		—
One- to four-family construction	3,271		40		6,622		1,921
Land and land development
Residential	3,840		519		19,060		1,485
Commercial	340		9		1,100		45
Commercial business	6,158		220		13,460		1,871
Agricultural business/farmland	645		66		1,896		629
One- to four-family residential	14,234		571		17,408		243
Consumer	1,168		13		1,115		62
Consumer secured by one- to four-family	1,403		25		1,790		23
Total consumer	2,571		38		2,905		85
Total nonaccrual loans	$	36,633	$	1,636	$	72,988	$	7,197
Past due and still accruing	2,078		3		2,324		19
TDRs on accrual status	62,438		6,523		54,533		3,100
Total impaired loans	$	101,149	$	8,162	$	129,845	$	10,316

Schedule of Impaired Loans With and Without Specific Reserves

The following tables provide additional information on impaired loans with and without specific allowance reserves as of September 30, 2012 and December 31, 2011 (in thousands):



	At or For the Nine Months Ended September 30, 2012
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate
Owner-occupied	$	2,186	$	2,437	$	134	$	2,355	$	—
Investment properties	649		886		96		769		—
Multifamily real estate	2,134		2,134		433		2,137		—
One- to four-family construction	5,816		5,878		516		5,066		118
Land and land development
Residential	2,383		2,994		467		3,094		15
Commercial	46		46		9		46		—
Commercial business	3,728		3,924		810		3,810		1
Agricultural business/farmland	645		1,328		66		923		—
One- to four-family residential	22,220		23,585		201		22,530		17
Consumer	953		1,053		13		1,048		—
Consumer secured by one- to four-family	1,642		2,061		54		1,773		12
	42,402		46,326		2,799		43,551		163
With a specific allowance reserve ⁽²⁾
Commercial real estate
Owner-occupied	$	2,481	$	2,481	$	4	$	2,500	$	—
Investment properties	9,386		10,372		951		9,642		—
Multifamily real estate	5,000		5,000		1,414		5,000		—
One- to-four family construction	6,384		6,460		667		5,181		131
Land and land development
Residential	7,342		11,535		772		7,894		—
Commercial	294		454		—		383		—
Commercial business	6,115		7,447		383		7,683		—
One- to four-family residential	20,719		21,277		1,139		19,970		38
Consumer	727		743		33		743		—
Consumer secured by one- to four-family	299		398		—		294		—
	58,747		66,167		5,363		59,290		169
Total
Commercial real estate
Owner-occupied	$	4,667	$	4,918	$	138	$	4,855	$	—
Investment properties	10,035		11,258		1,047		10,411		—
Multifamily real estate	7,134		7,134		1,847		7,137		—
One- to four-family construction	12,200		12,338		1,183		10,247		249
Land and land development
Residential	9,725		14,529		1,239		10,988		15
Commercial	340		500		9		429		—
Commercial business	9,843		11,371		1,193		11,493		1
Agricultural business/farmland	645		1,328		66		923		—
One- to four-family residential	42,939		44,862		1,340		42,500		55
Consumer	1,680		1,796		46		1,791		—
Consumer secured by one- to four-family	1,941		2,459		54		2,067		12
	$	101,149	$	112,493	$	8,162	$	102,841	$	332



	At or For the Year Ended December 31, 2011
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate
Owner-occupied	$	852	$	853	$	78	$	874	$	—
Investment properties	1,576		1,618		261		1,728		9
Multifamily real estate	452		452		6		456		32
One- to four-family construction	5,429		5,488		437		5,580		242
Land and land development
Residential	4,064		4,679		1,176		4,524		99
Commercial	645		645		45		616		—
Commercial business	5,173		5,535		932		5,587		81
Agricultural business/farmland	412		632		37		529		—
One- to four-family residential	27,529		28,121		277		27,933		919
Consumer	559		666		5		624		7
Consumer secured by one- to four-family	1,707		2,162		29		2,042		22
	48,398		50,851		3,283		50,493		1,411
With a specific allowance reserve ⁽²⁾
Commercial real estate
Owner-occupied	$	3,643	$	4,013	$	207	$	3,901	$	13
Investment properties	11,750		14,200		1,485		13,471		424
Multifamily real estate	1,997		1,997		11		1,967		82
Commercial construction	949		1,493		—		1,465		—
One- to-four family construction	9,556		9,821		1,998		9,185		277
Land and land development
Residential	20,331		34,068		616		36,747		220
Commercial	454		454		—		454		—
Commercial business	12,889		13,333		1,404		13,721		144
Agricultural business/farmland	1,483		1,671		592		1,855		—
One- to four-family residential	16,877		18,301		658		17,555		469
Consumer	915		915		62		881		18
Consumer secured by one- to four-family	603		630		—		585		—
	81,447		100,896		7,033		101,787		1,647
Total
Commercial real estate
Owner-occupied	$	4,495	$	4,866	$	285	$	4,775	$	13
Investment properties	13,326		15,818		1,746		15,199		433
Multifamily real estate	2,449		2,449		17		2,423		114
Commercial construction	949		1,493		—		1,465		—
One- to four-family construction	14,985		15,309		2,435		14,765		519
Land and land development
Residential	24,395		38,747		1,792		41,271		319
Commercial	1,099		1,099		45		1,070		—
Commercial business	18,062		18,868		2,336		19,308		225
Agricultural business/farmland	1,895		2,303		629		2,384		—
One- to four-family residential	44,406		46,422		935		45,488		1,388
Consumer	1,474		1,581		67		1,505		25
Consumer secured by one- to four-family	2,310		2,792		29		2,627		22
	$	129,845	$	151,747	$	10,316	$	152,280	$	3,058

(Footnotes on following page)

Footnotes for Tables of Impaired Loans with and without Specific Allowance Reserves


(1)	Loans without a specific allowance reserve have not been individually evaluated for impairment, but have been included in pools of homogeneous loans for evaluation of related allowance reserves.

(2)

Loans with a specific allowance reserve have been individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals to establish realizable value. These analyses may identify a specific impairment amount needed or may conclude that no reserve is needed. Any specific impairment that is identified is included in the category’s Related Allowance column.

Schedule of Troubled Debt Restructurings

The following tables present TDRs at September 30, 2012 and December 31, 2011 (in thousands):



	September 30, 2012
	Accrual Status		Nonaccrual Status		Total Modifications
Commercial real estate
Owner-occupied	$	1,772	$	1,111	$	2,883
Investment properties	7,357		1,448		8,805
Multifamily real estate	7,134		—		7,134
One-to-four family construction	8,929		2,518		11,447
Land and land development
Residential	5,884		210		6,094
Commercial	—		—		—
Commercial business	3,669		274		3,943
One- to four-family residential	26,668		2,911		29,579
Consumer	491		398		889
Consumer secured by one-to-four family	534		502		1,036
Total consumer	1,025		900		1,925
	$	62,438	$	9,372	$	71,810



	December 31, 2011
	Accrual Status		Nonaccrual Status		Total Modifications
Commercial real estate
Owner-occupied	$	—	$	142	$	142
Investment properties	7,751		1,822		9,573
Multifamily real estate	2,088		—		2,088
One-to-four family construction	8,362		271		8,633
Land and land development
Residential	5,334		557		5,891
Commercial	—		949		949
Commercial business	4,401		—		4,401
One- to four-family residential	23,291		3,086		26,377
Consumer	2,935		3,974		6,909
Consumer secured by one-to-four family	371		549		920
Total consumer	3,306		4,523		7,829
	$	54,533	$	11,350	$	65,883

Schedule of Newly Restructured Loans

The following tables present new TDRs that occurred during the three and nine months ended September 30, 2012 and 2011 (dollars in thousands):



	Three Months Ended September 30, 2012					Nine Months Ended September 30, 2012
	Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment		Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate
Owner occupied	1	$	946	$	946	1	$	946	$	946
Investment properties	3	2,784		2,784		6	3,708		3,708
Multifamily real estate	—	—		—		2	5,054		5,054
One-to-four family construction	11	1,711		1,711		19	4,504		4,504
Land and land development- residential	—	—		—		6	2,059		2,059
Commercial business	3	94		94		9	1,309		1,309
One- to four-family residential	1	153		153		18	9,182		9,182
Consumer	—	—		—		4	371		371
	19	$	5,688	$	5,688	65	$	27,133	$	27,133

	Three Months Ended September 30, 2011					Nine Months Ended September 30, 2011
	Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment		Number of Contracts	Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate
Owner-occupied	—	$	—	$	—	1	$	189	$	189
Investment properties	—	—		—		3	1,976		1,976
Multifamily real estate	1	455		455		3	2,452		2,452
One-to-four family construction	5	1,566		1,566		8	3,848		3,848
Land and land development - residential	3	681		681		3	681		681
Commercial business	2	855		645		3	905		695
One- to four-family residential	—	—		—		4	1,097		1,097
Consumer	—	—		—		3	136		136
	11	$	3,557	$	3,347	28	$	11,284	$	11,074


(1)	Since most loans were already considered classified and/or on nonaccrual status prior to restructuring, the modifications did not have a material effect on the Company’s determination of the allowance for loan losses.


(2)	The majority of these modifications do not fit into one separate type, such as rate, term, amount, interest-only or payment, but instead are a combination of multiple types of modifications; therefore, they are disclosed in aggregate.

Schedule of Troubled Debt Restructurings Which Incurred A Payment Default

The following table presents TDRs which incurred a payment default within twelve months of the restructure date during the three and nine-month periods ended September 30, 2012 and 2011 (in thousands). A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off:



	Three Months Ended September 30				Nine Months Ended September 30
	2012		2011		2012		2011
Commercial real estate-owner occupied	$	—	$	—	$	1,358	$	—
Land and land development - residential	—		2,227		—		2,227
One- to four-family residential	—		—		559		873
Total	$	—	$	2,227	$	1,917	$	3,100

Schedule of the Portfolio of Risk-Rated Loans and Non-Risk-Rated Loans by Grade or Other Characteristic

The following table shows the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of September 30, 2012 and December 31, 2011 (in thousands):



	September 30, 2012
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four- Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,018,552	$	131,782	$	263,281	$	560,320	$	217,084	$	571,146	$	268,463	$	3,030,628
Special mention	19,223		—		3,267		13,482		331		440		151		36,894
Substandard	44,361		6,934		34,189		29,804		1,669		22,827		6,159		145,943
Doubtful	—		—		58		—		—		—		—		58
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,082,136	$	138,716	$	300,795	$	603,606	$	219,084	$	594,413	$	274,773	$	3,213,523
Performing loans	$	1,076,562	$	138,716	$	293,345	$	597,433	$	218,438	$	578,142	$	272,176	$	3,174,812
Non-performing loans	5,574		—		7,450		6,173		646		16,271		2,597		38,711
Total loans	$	1,082,136	$	138,716	$	300,795	$	603,606	$	219,084	$	594,413	$	274,773	$	3,213,523

	December 31, 2011
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,003,990	$	132,108	$	257,685	$	542,625	$	213,512	$	607,793	$	276,642	$	3,034,355
Special mention	29,751		5,000		3,359		13,447		923		772		402		53,654
Substandard	57,687		2,602		57,648		45,032		3,736		33,936		7,352		207,993
Doubtful	—		—		—		336		—		—		—		336
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,091,428	$	139,710	$	318,692	$	601,440	$	218,171	$	642,501	$	284,396	$	3,296,338
Performing loans	$	1,082,202	$	139,348	$	290,961	$	587,976	$	216,275	$	622,946	$	281,318	$	3,221,026
Non-performing loans ⁽²⁾	9,226		362		27,731		13,464		1,896		19,555		3,078		75,312
Total loans	$	1,091,428	$	139,710	$	318,692	$	601,440	$	218,171	$	642,501	$	284,396	$	3,296,338

⁽¹⁾The Pass category includes some performing loans that are part of homogenous pools which are not individually risk-rated. This includes all consumer loans, all one- to four-family residential loans and, as of September 30, 2012 and December 31, 2011, in the commercial business category, $70 million and $58 million, respectively, of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.

Schedule of the Age Analysis of the Company's Past Due Loans

The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2012 and December 31, 2011 (in thousands):



	September 30, 2012
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing
Commercial real estate
Owner-occupied	$	846	$	1,684	$	938	$	3,468	$	474,403	$	477,871	$	—
Investment properties	—		—		1,418		1,418		602,847		604,265		—
Multifamily real estate	—		—		—		—		138,716		138,716		—
Commercial construction	—		—		—		—		28,598		28,598		—
Multifamily construction	—		—		—		—		14,502		14,502		—
One-to-four-family construction	—		—		243		243		163,278		163,521		—
Land and land development
Residential	—		389		3,630		4,019		75,913		79,932		—
Commercial	—		46		445		491		13,751		14,242		—
Commercial business	273		391		2,226		2,890		600,716		603,606		15
Agricultural business	22		—		626		648		218,436		219,084		—
One-to four-family residential	1,098		2,171		10,566		13,835		580,578		594,413		2,037
Consumer	448		72		195		715		102,678		103,393		21
Consumer secured by one- to four-family	324		1,074		1,248		2,646		168,734		171,380		5
Total	$	3,011	$	5,827	$	21,535	$	30,373	$	3,183,150	$	3,213,523	$	2,078

	December 31, 2011
	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing
Commercial real estate
Owner-occupied	$	1,251	$	2,703	$	3,462	$	7,416	$	462,390	$	469,806	$	—
Investment properties	—		—		3,087		3,087		618,535		621,622		—
Multifamily real estate	—		—		—		—		139,710		139,710		—
Commercial construction	—		—		949		949		41,442		42,391		—
Multifamily construction	—		—		—		—		19,436		19,436		—
One-to-four-family construction	643		—		3,819		4,462		139,715		144,177		—
Land and land development
Residential	638		—		15,919		16,557		80,934		97,491		—
Commercial	308		—		791		1,099		14,098		15,197		—
Commercial business	2,411		4,170		5,612		12,193		589,247		601,440		4
Agricultural business	99		—		1,849		1,948		216,223		218,171		—
One-to four-family residential	794		585		15,770		17,149		625,352		642,501		2,147
Consumer	670		363		769		1,802		101,545		103,347		25
Consumer secured by one- to four-family	1,072		109		1,374		2,555		178,494		181,049		148
Total	$	7,886	$	7,930	$	53,401	$	69,217	$	3,227,121	$	3,296,338	$	2,324

Schedule of the Allowance for Loan Losses and Loan Balances Individually and Collectively Evaluated for Impairment

The following tables provide additional information on the allowance for loan losses and loan balances individually and collectively evaluated for impairment at or for the three and nine months ended September 30, 2012 and 2011 (in thousands):



	For the Three Months Ended September 30, 2012
	Commercial Real Estate			Multifamily			Construction and Land			Commercial Business			Agricultural business			One- to Four- Family			Consumer			Commitments and Unallocated			Total
Allowance for loan losses:
Beginning balance	$	16,834		$	5,108		$	16,974		$	12,352		$	1,294		$	14,213		$	1,365		$	12,081		$	80,221
Provision for loan losses	(263		)	(367		)	(628		)	(118		)	1,044			2,614			814			(96		)	3,000
Recoveries	130			—			35			154			30			34			91			—			474
Charge-offs	(924		)	—			(617		)	(1,687		)	(26		)	(709		)	(949		)	—			(4,912		)
Ending balance	$	15,777		$	4,741		$	15,764		$	10,701		$	2,342		$	16,152		$	1,321		$	11,985		$	78,783



	For the Nine Months Ended September 30, 2012
	Commercial Real Estate			Multifamily		Construction and Land			Commercial Business			Agricultural business			One- to Four- Family			Consumer			Commitments and Unallocated			Total
Allowance for loan losses:
Beginning balance	$	16,457		$	3,952	$	18,184		$	15,159		$	1,548		$	12,299		$	1,253		$	14,060		$	82,912
Provision for loan losses	2,065			789		1,369			(97		)	1,050			7,021			1,878			(2,075		)	12,000
Recoveries	762			—		1,455			1,030			45			412			422			—			4,126
Charge-offs	(3,507		)	—		(5,244		)	(5,391		)	(301		)	(3,580		)	(2,232		)	—			(20,255		)
Ending balance	$	15,777		$	4,741	$	15,764		$	10,701		$	2,342		$	16,152		$	1,321		$	11,985		$	78,783



	At September 30, 2012
	Commercial Real Estate		Multifamily		Construction and Land		Commercial Business		Agricultural business		One- to Four- Family		Consumer		Commitments and Unallocated		Total
Allowance individually evaluated for impairment	$	955	$	1,414	$	1,439	$	383	$	—	$	1,139	$	33	$	—	$	5,363
Allowance collectively evaluated for impairment	14,822		3,327		14,325		10,318		2,342		15,013		1,288		11,985		73,420
Total allowance for loan losses	$	15,777	$	4,741	$	15,764	$	10,701	$	2,342	$	16,152	$	1,321	$	11,985	$	78,783



	At September 30, 2012
	Commercial Real Estate		Multifamily		Construction and Land		Commercial Business		Agricultural business		One- to Four- Family		Consumer		Commitments and Unallocated		Total
Loan balances:
Loans individually evaluated for impairment	$	11,867	$	5,000	$	14,020	$	6,115	$	—	$	20,719	$	1,026	$	—	$	58,747
Loans collectively evaluated for impairment	1,070,269		133,716		286,775		597,491		219,084		573,694		273,747		—		3,154,776
Total loans	$	1,082,136	$	138,716	$	300,795	$	603,606	$	219,084	$	594,413	$	274,773	$	—	$	3,213,523



	For the Three Months Ended September 30, 2011
	Commercial Real Estate			Multifamily			Construction and Land			Commercial Business			Agricultural business			One- to Four- Family			Consumer			Commitments and Unallocated			Total
Allowance for loan losses:
Beginning balance	$	13,087		$	5,404		$	25,976		$	19,912		$	1,409		$	8,254		$	1,445		$	16,513		$	92,000
Provision for loan losses	2,773			(2,446		)	3,063			(2,569		)	(162		)	5,444			(183		)	(920		)	5,000
Recoveries	1			—			89			414			10			34			69			—			617
Charge-offs	(1,644		)	—			(6,445		)	(863		)	—			(2,483		)	(54		)	—			(11,489		)
Ending balance	$	14,217		$	2,958		$	22,683		$	16,894		$	1,257		$	11,249		$	1,277		$	15,593		$	86,128



	For the Nine Months Ended September 30, 2011
	Commercial Real Estate			Multifamily			Construction and Land			Commercial Business			Agricultural business			One- to Four- Family			Consumer			Commitments and Unallocated		Total
Allowance for loan losses:
Beginning balance	$	11,779		$	3,963		$	33,121		$	24,545		$	1,846		$	5,829		$	1,794		$	14,524	$	97,401
Provision for loan losses	6,926			(334		)	11,781			(998		)	(315		)	11,891			(20		)	1,069		30,000
Recoveries	16			—			840			571			15			115			231			—		1,788
Charge-offs	(4,504		)	(671		)	(23,059		)	(7,224		)	(289		)	(6,586		)	(728		)	—		(43,061		)
Ending balance	$	14,217		$	2,958		$	22,683		$	16,894		$	1,257		$	11,249		$	1,277		$	15,593	$	86,128



	At September 30, 2011
	Commercial Real Estate		Multifamily		Construction and Land		Commercial Business		Agricultural business		One- to Four- Family		Consumer			Commitments and Unallocated		Total
Allowance individually evaluated for impairment	$	609	$	14	$	4,619	$	1,891	$	—	$	436	$	1,416		$	—	$	8,985
Allowance collectively evaluated for impairment	13,608		2,944		18,064		15,003		1,257		10,813		(139		)	15,593		77,143
Total allowance for loan losses	$	14,217	$	2,958	$	22,683	$	16,894	$	1,257	$	11,249	$	1,277		$	15,593	$	86,128



	At September 30, 2011
	Commercial Real Estate		Multifamily		Construction and Land		Commercial Business		Agricultural business		One- to Four- Family		Consumer		Commitments and Unallocated		Total
Loan balances:
Loans individually evaluated for impairment	$	10,936	$	1,997	$	39,884	$	12,321	$	797	$	17,338	$	3,089	$	—	$	86,362
Loans collectively evaluated for impairment	1,050,579		132,149		276,399		568,555		210,774		622,571		277,857		—		3,138,884
Total loans	$	1,061,515	$	134,146	$	316,283	$	580,876	$	211,571	$	639,909	$	280,946	$	—	$	3,225,246