LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2013

Schedule of Loans Receivable, Including Loans Held for Sale

Loans receivable, including loans held for sale, at June 30, 2013, December 31, 2012 and June 30, 2012 are summarized as follows (dollars in thousands):



	June 30, 2013					December 31, 2012					June 30, 2012
	Amount			Percent of Total		Amount			Percent of Total		Amount			Percent of Total
Commercial real estate:
Owner-occupied	$	500,812		15.2	%	$	489,581		15.1	%	$	477,621		14.9	%
Investment properties	595,896			18.1		583,641			18.0		613,965			19.1
Multifamily real estate	137,027			4.2		137,504			4.3		130,319			4.1
Commercial construction	25,629			0.8		30,229			0.9		23,808			0.7
Multifamily construction	39,787			1.2		22,581			0.7		18,132			0.6
One- to four-family construction	191,003			5.8		160,815			5.0		157,301			4.9
Land and land development:
Residential	86,037			2.6		77,010			2.4		83,185			2.6
Commercial	11,228			0.3		13,982			0.4		11,451			0.4
Commercial business	639,840			19.4		618,049			19.1		600,046			18.7
Agricultural business, including secured by farmland	233,967			7.1		230,031			7.1		211,705			6.6
One- to four-family residential	552,698			16.8		581,670			18.0		607,489			18.9
Consumer:
Consumer	112,938			3.4		120,498			3.7		103,504			3.2
Consumer secured by one- to four-family	163,339			5.0		170,123			5.3		173,731			5.4
Total loans outstanding	3,290,201			100.0	%	3,235,714			100.0	%	3,212,257			100.0	%
Less allowance for loan losses	(76,853		)			(77,491		)			(80,221		)
Net loans	$	3,213,348				$	3,158,223				$	3,132,036

Schedule of Loans Receivable by Geographic Location

The Company’s total loans by geographic concentration at June 30, 2013 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Other			Total
Commercial real estate:
Owner-occupied	$	381,289		$	56,671		$	56,678		$	6,174		$	500,812
Investment properties	463,804			82,395			46,497			3,200			595,896
Multifamily real estate	110,477			16,917			9,402			231			137,027
Commercial construction	17,184			3,686			589			4,170			25,629
Multifamily construction	13,868			25,919			—			—			39,787
One- to four-family construction	104,686			83,559			2,758			—			191,003
Land and land development:
Residential	57,834			26,750			1,453			—			86,037
Commercial	6,351			3,015			1,862			—			11,228
Commercial business	406,876			76,532			61,731			94,701			639,840
Agricultural business, including secured by farmland	116,785			51,205			65,977			—			233,967
One- to four-family residential	349,302			177,641			23,727			2,028			552,698
Consumer:
Consumer secured by one- to four-family	108,818			41,718			12,157			646			163,339
Consumer—other	76,106			31,482			5,335			15			112,938
Total loans	$	2,213,380		$	677,490		$	288,166		$	111,165		$	3,290,201
Percent of total loans	67.3		%	20.6		%	8.7		%	3.4		%	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 June 30, 2013 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Total
Residential:
Acquisition and development	$	16,447		$	9,987		$	1,258		$	27,692
Improved land and lots	32,960			16,313			195			49,468
Unimproved land	8,427			450			—			8,877
Commercial:
Acquisition and development	—			—			481			481
Improved land and lots	3,549			135			529			4,213
Unimproved land	2,802			2,880			852			6,534
Total land and land development loans	$	64,185		$	29,765		$	3,315		$	97,265
Percent of land and land development loans	66.0		%	30.6		%	3.4		%	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 and origination costs, at June 30, 2013, December 31, 2012 and June 30, 2012 were as follows (in thousands):



	June 30, 2013		December 31, 2012		June 30, 2012
Fixed-rate (term to maturity):
Due in one year or less	$	145,221	$	183,004	$	233,525
Due after one year through three years	167,187		171,724		223,624
Due after three years through five years	201,672		173,251		161,094
Due after five years through ten years	192,594		167,858		155,490
Due after ten years	425,603		473,927		474,366
Total fixed-rate loans	1,132,277		1,169,764		1,248,099
Adjustable-rate (term to rate adjustment):
Due in one year or less	1,292,387		1,260,472		1,193,230
Due after one year through three years	266,841		275,223		322,336
Due after three years through five years	526,563		467,895		408,015
Due after five years through ten years	69,797		60,316		38,782
Due after ten years	2,336		2,044		1,795
Total adjustable-rate loans	2,157,924		2,065,950		1,964,158
Total loans	$	3,290,201	$	3,235,714	$	3,212,257

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 June 30, 2013 and December 31, 2012 were as follows (in thousands):



	June 30, 2013				December 31, 2012
	Loan Amount		Allocated Reserves		Loan Amount		Allocated Reserves
Impaired loans:
Nonaccrual loans
Commercial real estate:
Owner-occupied	$	2,898	$	45	$	4,105	$	618
Investment properties	1,912		87		2,474		56
Multifamily real estate	335		70		—		—
One- to four-family construction	1,764		265		1,565		326
Land and land development:
Residential	1,011		88		2,061		323
Commercial	—		—		46		12
Commercial business	2,819		207		4,750		344
One- to four-family residential	11,465		336		12,964		520
Consumer:
Consumer secured by one- to four-family	1,120		19		2,073		41
Consumer—other	818		6		1,323		16
Total nonaccrual loans	$	24,142	$	1,123	$	31,361	$	2,256
Past due and still accruing	$	1,959	$	16	$	3,029	$	62
Troubled debt restructuring on accrual status:
Commercial real estate:
Owner-occupied	$	187	$	4	$	188	$	4
Investment properties	7,047		746		7,034		664
Multifamily real estate	5,815		1,326		7,131		1,665
One- to four-family construction	6,964		1,042		6,726		1,115
Land and land development:
Residential	4,352		762		4,842		667
Commercial business	1,179		216		2,975		610
One- to four-family residential	25,301		1,654		27,540		1,228
Consumer:
Consumer secured by one- to four-family	410		26		538		29
Consumer—other	478		58		488		38
Total troubled debt restructurings on accrual status	51,733		5,834		57,462		6,020
Total impaired loans	$	77,834	$	6,973	$	91,852	$	8,338

Schedule of Impaired Loans With and Without Specific Reserves

The following tables provide additional information on impaired loans with and without specific allowance reserves at or for the six months ended June 30, 2013 and at or for the year ended December 31, 2012 (in thousands):



	At or For the Six Months Ended June 30, 2013
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate:
Owner-occupied	$	877	$	1,027	$	45	$	898	$	—
Investment properties	521		1,067		87		787		—
Multifamily real estate	335		335		71		338		—
One- to four-family construction	1,106		1,283		114		1,158		—
Land and land development:
Residential	261		475		88		537		—
Commercial business	1,184		1,599		208		1,356		—
One- to four-family residential	9,244		9,919		80		9,286		—
Consumer:
Consumer secured by one- to four-family	1,074		1,593		19		1,087		—
Consumer—other	744		898		7		784		1
	15,346		18,196		719		16,231		1
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	$	2,208	$	2,208	$	4	$	2,213	$	6
Investment properties	8,439		9,544		746		7,940		161
Multifamily real estate	5,815		5,815		1,326		5,628		100
One- to-four family construction	7,621		7,621		1,194		6,331		127
Land and land development:
Residential	5,102		5,438		761		5,567		108
Commercial business	2,818		2,818		216		2,909		27
One- to four-family residential	29,419		30,316		1,923		29,332		448
Consumer:
Consumer secured by one- to four-family	456		456		26		566		14
Consumer—other	610		627		58		624		18
	62,488		64,843		6,254		61,110		1,009
Total
Commercial real estate:
Owner-occupied	$	3,085	$	3,235	$	49	$	3,111	$	6
Investment properties	8,960		10,611		833		8,727		161
Multifamily real estate	6,150		6,150		1,397		5,966		100
One- to four-family construction	8,727		8,904		1,308		7,489		127
Land and land development:
Residential	5,363		5,913		849		6,104		108
Commercial business	4,002		4,417		424		4,265		27
One- to four-family residential	38,663		40,235		2,003		38,618		448
Consumer:
Consumer secured by one- to four-family	1,530		2,049		45		1,653		14
Consumer—other	1,354		1,525		65		1,408		19
	$	77,834	$	83,039	$	6,973	$	77,341	$	1,010



	At or For the Year Ended December 31, 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	$	1,300	$	1,551	$	103	$	1,470	$	—
Investment properties	624		861		90		735		17
Multifamily real estate	2,131		2,131		392		2,136		113
One- to four-family construction	4,460		4,460		571		3,335		145
Land and land development:
Residential	2,122		2,587		404		2,948		73
Commercial	46		46		12		46		—
Commercial business	4,352		4,970		821		2,121		154
One- to four-family residential	10,886		12,004		150		11,458		44
Consumer:
Consumer secured by one- to four-family	1,641		2,335		54		1,966		14
Consumer—other	1,167		1,275		16		1,297		5
	28,729		32,220		2,613		27,512		565
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	$	2,993	$	2,993	$	518	$	3,113	$	—
Investment properties	8,884		10,120		630		9,449		229
Multifamily real estate	5,000		5,000		1,273		5,000		295
One- to-four family construction	3,831		3,831		870		3,611		194
Land and land development:
Residential	4,782		4,782		586		5,039		185
Commercial	—		—		—		—		—
Commercial business	3,373		3,734		134		3,931		6
One- to four-family residential	32,494		33,672		1,656		33,100		1,259
Consumer:
Consumer secured by one- to four-family	1,042		1,140		26		1,074		15
Consumer—other	724		740		32		754		—
	63,123		66,012		5,725		65,071		2,183
Total
Commercial real estate
Owner-occupied	$	4,293	$	4,544	$	621	$	4,583	$	—
Investment properties	9,508		10,981		720		10,184		246
Multifamily real estate	7,131		7,131		1,665		7,136		408
One- to four-family construction	8,291		8,291		1,441		6,946		339
Land and land development
Residential	6,904		7,369		990		7,987		258
Commercial	46		46		12		46		—
Commercial business	7,725		8,704		955		6,052		160
One- to four-family residential	43,380		45,676		1,806		44,558		1,303
Consumer
Consumer secured by one- to four-family	2,683		3,475		80		3,040		29
Consumer—other	1,891		2,015		48		2,051		5
	$	91,852	$	98,232	$	8,338	$	92,583	$	2,748


⁽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 June 30, 2013 and December 31, 2012 (in thousands):



	June 30, 2013
	Accrual Status		Nonaccrual Status		Total Modifications
Commercial real estate:
Owner-occupied	$	187	$	627	$	814
Investment properties	7,047		1,462		8,509
Multifamily real estate	5,815		—		5,815
One- to four-family construction	6,964		1,022		7,986
Land and land development:
Residential	4,352		—		4,352
Commercial business	1,179		548		1,727
One- to four-family residential	25,301		2,813		28,114
Consumer:
Consumer secured by one- to four-family	410		258		668
Consumer—other	478		132		610
	$	51,733	$	6,862	$	58,595



	December 31, 2012
	Accrual Status		Nonaccrual Status		Total Modifications
Commercial real estate:
Owner-occupied	$	188	$	1,551	$	1,739
Investment properties	7,034		1,514		8,548
Multifamily real estate	7,131		—		7,131
One- to four-family construction	6,726		1,044		7,770
Land and land development:
Residential	4,842		15		4,857
Commercial business	2,975		247		3,222
One- to four-family residential	27,540		2,703		30,243
Consumer:
Consumer secured by one- to four-family	538		496		1,034
Consumer—other	488		396		884
	$	57,462	$	7,966	$	65,428

Schedule of Newly Restructured Loans

The following tables present new TDRs that occurred during the three and six months ended June 30, 2013 and 2012 (dollars in thousands):



	Three Months Ended June 30, 2013					Six Months Ended June 30, 2013
	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
Investment properties	1	$	900	$	781	1	$	900	$	781
Multifamily real estate	1	378		378		1	378		378
Land and land development—residential	5	521		521		9	1,597		1,597
One- to four-family residential	—	—		—		9	3,115		3,115
	7	$	1,799	$	1,680	20	$	5,990	$	5,871

	Three Months Ended June 30, 2012					Six Months Ended June 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
Investment properties	1	$	99	$	99	3	$	974	$	974
Multifamily real estate	2	5,054		5,054		2	5,054		5,054
One- to four-family construction	10	2,664		2,664		11	3,146		3,146
Commercial business	5	1,289		1,289		10	2,195		2,195
One- to four-family residential	2	621		621		17	9,073		9,073
Consumer	1	132		132		2	284		284
	21	$	9,859	$	9,859	45	$	20,726	$	20,726


⁽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-month and six-month periods ended June 30, 2013 and 2012 (in thousands). A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off:



	Three Months Ended June 30				Six Months Ended June 30
	2013		2012		2013		2012
Commercial real estate:
Owner occupied	$	—	$	—	$	—	$	1,378
Commercial business	—		—		343		—
One- to four-family residential	—		—		—		562
Total	$	—	$	—	$	343	$	1,940

Schedule of the Company's Portfolio of Risk-Rated Loans and Non-Risk Rated Loans by Grade and Other Characteristics

The following table shows the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of June 30, 2013 and December 31, 2012 (in thousands):



	June 30, 2013
	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⁾	$	1,047,077	$	131,314	$	329,004	$	607,626	$	217,097	$	535,884	$	271,564	$	3,139,566
Special mention	12,631		—		481		8,600		653		—		142		22,507
Substandard	36,456		5,713		24,199		23,604		16,217		16,814		4,571		127,574
Doubtful	544		—		—		10		—		—		—		554
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,096,708	$	137,027	$	353,684	$	639,840	$	233,967	$	552,698	$	276,277	$	3,290,201
Performing loans	$	1,091,898	$	136,692	$	350,909	$	637,017	$	233,967	$	539,336	$	274,281	$	3,264,100
Non-performing loans ⁽²⁾	4,810		335		2,775		2,823		—		13,362		1,996		26,101
Total loans	$	1,096,708	$	137,027	$	353,684	$	639,840	$	233,967	$	552,698	$	276,277	$	3,290,201

	December 31, 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⁾	$	1,016,964	$	130,815	$	274,407	$	581,846	$	228,304	$	560,781	$	284,816	$	3,077,933
Special mention	14,332		—		3,146		7,905		713		438		148		26,682
Substandard	41,382		6,689		27,064		28,287		1,014		20,451		5,657		130,544
Doubtful	544		—		—		11		—		—		—		555
Loss	—		—		—		—		—		—		—		—
Total loans	$	1,073,222	$	137,504	$	304,617	$	618,049	$	230,031	$	581,670	$	290,621	$	3,235,714
Performing loans	$	1,066,643	$	137,504	$	300,945	$	613,299	$	230,031	$	565,829	$	287,073	$	3,201,324
Non-performing loans ⁽²⁾	6,579		—		3,672		4,750		—		15,841		3,548		34,390
Total loans	$	1,073,222	$	137,504	$	304,617	$	618,049	$	230,031	$	581,670	$	290,621	$	3,235,714

⁽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 June 30, 2013 and December 31, 2012, in the commercial business category, $81 million and $77 million, respectively, of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.


⁽²⁾	Non-performing loans include non-accrual loans and loans past due greater than 90 days and on accrual status.

Schedule of 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 June 30, 2013 and December 31, 2012 (in thousands):



	June 30, 2013
	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	$	59	$	400	$	1,391	$	1,850	$	498,962	$	500,812	$	—
Investment properties	2,249		—		1,405		3,654		592,242		595,896		—
Multifamily real estate	—		—		—		—		137,027		137,027		—
Commercial construction	—		—		—		—		25,629		25,629		—
Multifamily construction	—		—		—		—		39,787		39,787		—
One-to-four-family construction	208		—		538		746		190,257		191,003		—
Land and land development:
Residential	—		—		1,011		1,011		85,026		86,037		—
Commercial	—		—		—		—		11,228		11,228		—
Commercial business	706		263		551		1,520		638,320		639,840		4
Agricultural business, including secured by farmland	233		125		—		358		233,609		233,967		—
One- to four-family residential	404		2,432		6,609		9,445		543,253		552,698		1,897
Consumer:
Consumer secured by one- to four-family	225		598		597		1,420		161,919		163,339		—
Consumer—other	427		240		650		1,317		111,621		112,938		58
Total	$	4,511	$	4,058	$	12,752	$	21,321	$	3,268,880	$	3,290,201	$	1,959



	December 31, 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	$	1,693	$	—	$	1,371	$	3,064	$	486,517	$	489,581	$	—
Investment properties	743		—		1,431		2,174		581,467		583,641		—
Multifamily real estate	—		—		—		—		137,504		137,504		—
Commercial construction	—		—		—		—		30,229		30,229		—
Multifamily construction	—		—		—		—		22,581		22,581		—
One-to-four-family construction	611		—		—		611		160,204		160,815		—
Land and land development:
Residential	—		—		2,047		2,047		74,963		77,010		—
Commercial	2,083		—		45		2,128		11,854		13,982		—
Commercial business	1,849		49		842		2,740		615,309		618,049		—
Agricultural business, including secured by farmland	—		—		—		—		230,031		230,031		—
One-to four-family residential	1,376		3,468		11,488		16,332		565,338		581,670		2,877
Consumer:
Consumer secured by one- to four-family	699		74		1,204		1,977		168,146		170,123		—
Consumer—other	816		673		839		2,328		118,170		120,498		152
Total	$	9,870	$	4,264	$	19,267	$	33,401	$	3,202,313	$	3,235,714	$	3,029

Allowance for Credit Losses on Financing Receivables

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 months and six months ended June 30, 2013 and 2012 (in thousands):



	For the Three Months Ended June 30, 2013
	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	$	14,776		$	5,075		$	15,214		$	10,011		$	2,282	$	15,930		$	1,238		$	12,602		$	77,128
Provision for loan losses	162			(102		)	1,493			527			1,213		(557		)	105			(2,841		)	—
Recoveries	378			—			337			666			310		3			117			—			1,811
Charge-offs	(418		)	—			(419		)	(398		)	—		(402		)	(449		)	—			(2,086		)
Ending balance	$	14,898		$	4,973		$	16,625		$	10,806		$	3,805	$	14,974		$	1,011		$	9,761		$	76,853

	For the Six Months Ended June 30, 2013
	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	$	15,322		$	4,506		$	14,991		$	9,957		$	2,295	$	16,475		$	1,348		$	12,597		$	77,491
Provision for loan losses	(1,622		)	467			2,050			1,124			1,163		(567		)	221			(2,836		)	—
Recoveries	1,964			—			438			1,052			347		119			219			—			4,139
Charge-offs	(766		)	—			(854		)	(1,327		)	—		(1,053		)	(777		)	—			(4,777		)
Ending balance	$	14,898		$	4,973		$	16,625		$	10,806		$	3,805	$	14,974		$	1,011		$	9,761		$	76,853



	At June 30, 2013
	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	$	750	$	1,326	$	1,955	$	216	$	—	$	1,923	$	84	$	—	$	6,254
Allowance collectively evaluated for impairment	14,148		3,647		14,670		10,590		3,805		13,051		927		9,761		70,599
Total allowance for loan losses	$	14,898	$	4,973	$	16,625	$	10,806	$	3,805	$	14,974	$	1,011	$	9,761	$	76,853



	At June 30, 2013
	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	$	10,647	$	5,815	$	12,723	$	2,818	$	—	$	29,419	$	1,066	$	—	$	62,488
Loans collectively evaluated for impairment	1,086,061		131,212		340,961		637,022		233,967		523,279		275,211		—		3,227,713
Total loans	$	1,096,708	$	137,027	$	353,684	$	639,840	$	233,967	$	552,698	$	276,277	$	—	$	3,290,201



	For the Three Months Ended June 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	$	17,083		$	3,261	$	15,871		$	13,123		$	1,887		$	12,869		$	1,274		$	16,176		$	81,544
Provision for loan losses	992			1,847		1,756			887			(608		)	2,876			345			(4,095		)	4,000
Recoveries	18			—		1,050			639			15			374			195			—			2,291
Charge-offs	(1,259		)	—		(1,703		)	(2,297		)	—			(1,906		)	(449		)	—			(7,614		)
Ending balance	$	16,834		$	5,108	$	16,974		$	12,352		$	1,294		$	14,213		$	1,365		$	12,081		$	80,221

	At For the Six Months Ended June 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	2,327			1,156		1,997			22			6			4,407			1,064			(1,979		)	9,000
Recoveries	632			—		1,420			875			15			379			331			—			3,652
Charge-offs	(2,582		)	—		(4,627		)	(3,704		)	(275		)	(2,872		)	(1,283		)	—			(15,343		)
Ending balance	$	16,834		$	5,108	$	16,974		$	12,352		$	1,294		$	14,213		$	1,365		$	12,081		$	80,221



	At June 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	$	400	$	1,464	$	2,739	$	1,054	$	—	$	1,281	$	33	$	—	$	6,971
Allowance collectively evaluated for impairment	16,434		3,644		14,235		11,298		1,294		12,932		1,332		12,081		73,250
Total allowance for loan losses	$	16,834	$	5,108	$	16,974	$	12,352	$	1,294	$	14,213	$	1,365	$	12,081	$	80,221



	At June 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	$	9,468	$	5,000	$	11,594	$	10,514	$	—	$	20,989	$	1,580	$	—	$	59,145
Loans collectively evaluated for impairment	1,082,118		125,319		282,283		589,532		211,705		586,500		275,655		—		3,153,112
Total loans	$	1,091,586	$	130,319	$	293,877	$	600,046	$	211,705	$	607,489	$	277,235	$	—	$	3,212,257