LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES

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



	December 31, 2013					December 31, 2012
	Amount			Percent of Total		Amount			Percent of Total
Commercial real estate:
Owner-occupied	$	502,601		14.7	%	$	489,581		15.1	%
Investment properties	692,457			20.3		583,641			18.0
Multifamily real estate	137,153			4.0		137,504			4.3
Commercial construction	12,168			0.4		30,229			0.9
Multifamily construction	52,081			1.5		22,581			0.7
One- to four-family construction	200,864			5.8		160,815			5.0
Land and land development:
Residential	75,695			2.2		77,010			2.4
Commercial	10,450			0.3		13,982			0.4
Commercial business	682,169			20.0		618,049			19.1
Agricultural business, including secured by farmland	228,291			6.7		230,031			7.1
One- to four-family real estate	529,494			15.5		581,670			18.0
Consumer:
Consumer secured by one- to four-family	173,188			5.1		170,123			5.3
Consumer—other	121,834			3.5		120,498			3.7
Total loans outstanding	3,418,445			100.0	%	3,235,714			100.0	%
Less allowance for loan losses	(74,990		)			(77,491		)
Net loans	$	3,343,455				$	3,158,223

Loan amounts are net of unearned, unamortized loan fees (and costs) of approximately $8.3 million at December 31, 2013 and approximately $9.0 million at December 31, 2012.

The Company’s loans by geographic concentration at December 31, 2013 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Other			Total
Commercial real estate:
Owner-occupied	$	379,666		$	56,054		$	58,279		$	8,602		$	502,601
Investment properties	487,775			101,326			60,216			43,140			692,457
Multifamily real estate	108,121			19,108			9,765			159			137,153
Commercial construction	11,335			703			130			—			12,168
Multifamily construction	37,979			14,102			—			—			52,081
One- to four-family construction	109,026			90,186			1,652			—			200,864
Land and land development:
Residential	42,364			32,046			1,285			—			75,695
Commercial	5,156			3,364			1,930			—			10,450
Commercial business	405,275			85,676			68,853			122,365			682,169
Agricultural business, including secured by farmland	118,569			59,020			50,702			—			228,291
One- to four-family real estate	333,147			171,950			21,807			2,590			529,494
Consumer:
Consumer secured by one- to four-family	113,710			45,917			12,864			697			173,188
Consumer—other	83,724			32,322			5,742			46			121,834
Total loans	$	2,235,847		$	711,774		$	293,225		$	177,599		$	3,418,445
Percent of total loans	65.4		%	20.8		%	8.6		%	5.2		%	100.0		%

The geographic concentrations of Banner’s land and land development loans by state at December 31, 2013 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Total
Residential:
Acquisition and development	$	16,886		$	12,285		$	1,030		$	30,201
Improved land and lots	20,621			19,439			255			40,315
Unimproved land	4,857			322			—			5,179
Commercial and industrial:
Acquisition and development	—			—			352			352
Improved land and lots	2,801			525			759			4,085
Unimproved land	2,355			2,839			819			6,013
Total land and land development loans	$	47,520		$	35,410		$	3,215		$	86,145
Percent of land and land development loans	55.2		%	41.1		%	3.7		%	100.0		%

The Company originates both adjustable- and fixed-rate loans. At December 31, 2013 and 2012, the maturity and repricing composition of all those loans, less undisbursed amounts and deferred fees, were as follows (in thousands):



	December 31
	2013		2012
Fixed-rate (term to maturity):
Maturing in one year or less	$	122,313	$	183,004
Maturing after one year through three years	143,322		171,724
Maturing after three years through five years	187,279		173,251
Maturing after five years through ten years	209,869		167,858
Maturing after ten years	439,004		473,927
Total fixed-rate loans	1,101,787		1,169,764
Adjustable-rate (term to rate adjustment):
Maturing or repricing in one year or less	1,390,579		1,260,472
Maturing or repricing after one year through three years	279,791		275,223
Maturing or repricing after three years through five years	541,529		467,895
Maturing or repricing after five years through ten years	99,503		60,316
Maturing or repricing after ten years	5,256		2,044
Total adjustable-rate loans	2,316,658		2,065,950
Total loans	$	3,418,445	$	3,235,714

The adjustable-rate loans have interest rate adjustment limitations and are generally indexed to various prime or LIBOR rates, FHLB advance rates or One-to-Five-Year Constant Maturity Treasury Indices. Future market factors may affect the correlation of the interest rate adjustment with the rates the Banks pay on the short-term deposits that primarily have been utilized to fund these loans.

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 the following balances and activity during the years ended December 31, 2013 and 2012 (in thousands):



	Years Ended December 31
	2013			2012
Balance at beginning of year	$	12,463		$	10,239
New loans or advances	39,921			31,394
Repayments and adjustments	(36,408		)	(29,170		)
Balance at end of period	$	15,976		$	12,463

Impaired Loans and the Allowance for Loan Losses. A loan is considered impaired when, based on current information and circumstances, the Company determines it is probable that it will be unable to collect all amounts due according to the contractual terms of the loan agreement, including scheduled interest payments. Impaired loans are comprised of loans on nonaccrual, TDRs that are performing under their restructured terms, and loans that are 90 days or more past due, but are still on accrual.

The amount of impaired loans and the related allocated reserve for loan losses at the dates indicated were as follows (in thousands):



	December 31, 2013				December 31, 2012
	Loan Amount		Allocated Reserves		Loan Amount		Allocated Reserves
Impaired loans:
Nonaccrual loans
Commercial real estate:
Owner-occupied	$	2,466	$	31	$	4,105	$	618
Investment properties	3,821		89		2,474		56
One- to four-family construction	269		—		1,565		326
Land and land development:
Residential	924		6		2,061		323
Commercial	—		—		46		12
Commercial business	724		104		4,750		344
One- to four-family residential	12,532		250		12,964		520
Consumer:
Consumer secured by one- to four-family	903		13		2,073		41
Consumer—other	269		1		1,323		16
Total nonaccrual loans	21,908		494		31,361		2,256

Loans past due and still accruing
Agricultural business, including secured by farmland	105		8		—		—
One- to four-family residential	2,611		16		2,877		58
Consumer:
Consumer secured by one- to four-family	13		—		72		1
Consumer—other	131		1		80		3
Total loans past due and still accruing	2,860		25		3,029		62

Troubled debt restructuring on accrual status:
Commercial real estate:
Owner-occupied	186		4		188		4
Investment properties	5,367		415		7,034		664
Multifamily real estate	5,744		1,139		7,131		1,665
One- to four-family construction	6,864		1,002		6,726		1,115
Land and land development:
Residential	4,061		754		4,842		667
Commercial business	1,299		222		2,975		610
One- to four-family residential	23,302		1,355		27,540		1,228
Consumer:
Consumer secured by one- to four-family	360		33		538		38
Consumer—other	245		34		488		29
Total troubled debt restructurings on accrual status	47,428		4,958		57,462		6,020
Total impaired loans	$	72,196	$	5,477	$	91,852	$	8,338

As of December 31, 2013 and 2012, the Company had commitments to advance funds up to an additional amount of $225,000 and $1.6 million, respectively, related to TDRs.

The following tables provide additional information on impaired loans with and without specific allowance reserves as of December 31, 2013 and December 31, 2012. Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands):



	At or For the Year Ended December 31, 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	$	534	$	584	$	31	$	569	$	—
Investment properties	429		974		89		624		—
Commercial business	724		1,040		104		896		—
Agricultural business, including secured by farmland	105		105		8		110		8
One- to four-family residential	8,611		9,229		42		8,889		31
Consumer:
Consumer secured by one- to four-family	870		1,013		13		900		1
Consumer—other	276		285		2		287		8
	11,549		13,230		289		12,275		48
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	2,118		2,118		4		2,192		12
Investment properties	8,759		10,395		415		8,353		241
Multifamily real estate	5,744		5,744		1,139		5,705		298
One- to four-family construction	7,133		7,213		1,002		5,870		239
Land and land development:
Residential	4,985		6,140		760		6,053		221
Commercial business	1,298		1,298		222		1,340		59
One- to four-family residential	29,834		31,440		1,579		31,668		1,032
Consumer:
Consumer secured by one- to four-family	406		407		33		503		24
Consumer—other	370		386		34		390		21
	60,647		65,141		5,188		62,074		2,147
Total
Commercial real estate:
Owner occupied	2,652		2,702		35		2,761		12
Investment properties	9,188		11,369		504		8,977		241
Multifamily real estate	5,744		5,744		1,139		5,705		298
One- to four-family construction	7,133		7,213		1,002		5,870		239
Land and land development:
Residential	4,985		6,140		760		6,053		221
Commercial business	2,022		2,338		326		2,236		59
Agricultural business, including secured by farmland	105		105		8		110		8
One- to four-family residential	38,445		40,669		1,621		40,557		1,063
Consumer:
Consumer secured by one- to four-family	1,276		1,420		46		1,403		25
Consumer—other	646		671		36		677		29
	$	72,196	$	78,371	$	5,477	$	74,349	$	2,195



	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		519		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 business	3,373		3,734		133		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		622		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		954		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.

The following tables present TDRs at December 31, 2013 and 2012 (in thousands):



	December 31, 2013
	Accrual Status		Nonaccrual Status		Total Modifications
Commercial real estate:
Owner-occupied	$	186	$	613	$	799
Investment properties	5,367		1,630		6,997
Multifamily real estate	5,744		—		5,744
One- to four-family construction	6,864		269		7,133
Land and land development:
Residential	4,061		174		4,235
Commercial business	1,299		164		1,463
One- to four-family residential	23,302		2,474		25,776
Consumer:
Consumer secured by one- to four-family	360		252		612
Consumer—other	245		123		368
	$	47,428	$	5,699	$	53,127



	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

The following tables present new TDRs that occurred during the years ended December 31, 2013 and 2012 (dollars in thousands):



	Year Ended December 31, 2013
	Number of Loans	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate:
Owner-occupied	1	$	1,246	$	1,246
Multifamily real estate	1	375		375
One- to four-family construction	8	3,082		3,082
Land and land development:
Residential	2	1,029		1,029
Commercial business	1	100		100
One- to four-family residential	10	2,726		2,726
	23	$	8,558	$	8,558



	Year Ended December 31, 2012
	Number of Loans	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate:
Owner-occupied	1	$	943	$	943
Investment properties	6	3,891		3,891
Multifamily real estate	2	5,054		5,054
One- to four-family construction	23	5,454		5,454
Land and land development:
Residential	6	3,341		3,341
Commercial business	9	1,886		1,886
One- to four-family residential	29	10,914		10,914
Consumer:
Consumer secured by one- to four-family	3	206		206
Consumer—other	2	368		368
	81	$	32,057	$	32,057


⁽¹⁾	Since most loans were already considered classified and/or on non-accrual 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.

The following table presents TDRs which incurred a payment default within the years ended December 31, 2013 and 2012, for which the payment default occurred within twelve months of the restructure date. A default on a restructured loan results in a transfer to nonaccrual status, a charge-off or a combination of both (in thousands):



	Years Ended December 31
	2013			2012
	Number of Loans	Amount		Number of Loans	Amount
Commercial real estate	—	$	—	2	$	2,346
Construction and land	2	483		6	1,044
Commercial business	2	321		—	—
One- to four-family residential	2	222		4	492
Balance, end of period	6	$	1,026	12	$	3,882

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 and leases 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 in the borrower’s ability to repay, in a timely fashion, both principal and interest. There were no material changes in the risk-rating or loan grading system in 2013.

Risk Rating 1: Exceptional

A credit supported by exceptional financial strength, stability, and liquidity. The risk rating of 1 is reserved for the Company’s top quality loans, generally reserved for investment grade credits underwritten to the standards of institutional credit providers.

Risk Rating 2: Excellent

A credit supported by excellent financial strength, stability and liquidity. The risk rating of 2 is reserved for very strong and highly stable customers with ready access to alternative financing sources.

Risk Rating 3: Strong

A credit supported by good overall financial strength and stability. Collateral margins are strong, cash flow is stable although susceptible to cyclical market changes.

Risk Rating 4: Acceptable

A credit supported by the borrower’s adequate financial strength and stability. Assets and cash flow are reasonably sound and provide for orderly debt reduction. Access to alternative financing sources will be more difficult to obtain.

Risk Rating 5: Watch

A credit with the characteristics of an acceptable credit but one which requires more than the normal level of supervision and warrants formal quarterly management reporting. Credits in this category are not yet criticized or classified, but due to adverse events or aspects of underwriting require closer than normal supervision. Generally, credits should be watch credits in most cases for six months or less as the impact of stress factors are analyzed.

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 strengthen a credit making the amount and timing of any loss indeterminate. In these situations taking the loss is inappropriate until it is clear that the pending event has failed to strengthen the credit and improve the capacity to repay debt.

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 are 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 table shows Banner’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristic as of December 31, 2013 (in thousands):



	December 31, 2013
	Commercial Real Estate		Multifamily		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,160,921	$	131,523	$	332,150	$	655,007	$	225,329	$	511,967	$	291,992	$	3,308,889
Special mention	6,614		—		350		10,484		561		—		106		18,115
Substandard	26,979		5,630		18,758		16,669		2,401		17,527		2,924		90,888
Doubtful	544		—		—		9		—		—		—		553
Total loans	$	1,195,058	$	137,153	$	351,258	$	682,169	$	228,291	$	529,494	$	295,022	$	3,418,445
Performing loans	$	1,188,771	$	137,153	$	350,065	$	681,445	$	228,187	$	514,351	$	293,705	$	3,393,677
Non-performing loans ⁽²⁾	6,287		—		1,193		724		104		15,143		1,317		24,768
Total loans	$	1,195,058	$	137,153	$	351,258	$	682,169	$	228,291	$	529,494	$	295,022	$	3,418,445


⁽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 December 31, 2013, in the commercial business category, $94 million of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.


⁽²⁾	Non-performing loans include loans on non-accrual status and loans more than 90 days delinquent, but still accruing interest.

The following table shows Banner’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristic as of December 31, 2012 (in thousands):



	December 31, 2012
	Commercial Real Estate		Multifamily		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
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 December 31, 2012, in the commercial business category, $77 million of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.


⁽²⁾	Non-performing loans include loans on non-accrual status and loans more than 90 days delinquent, but still accruing interest.

The following tables provide additional detail on the age analysis of Banner’s past due loans as of December 31, 2013 and 2012 (in thousands):



	December 31, 2013
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days Past Due		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied	$	883	$	550	$	813	$	2,246	$	500,355	$	502,601	$	—
Investment properties	—		—		—		—		692,457		692,457		—
Multifamily real estate	1,845		785		—		2,630		134,523		137,153		—
Commercial construction	—		—		—		—		12,168		12,168		—
Multifamily construction	—		—		—		—		52,081		52,081		—
One- to four-family construction	9		7		4		20		200,844		200,864		—
Land and land development:
Residential	—		—		251		251		75,444		75,695		—
Commercial	—		—		—		—		10,450		10,450		—
Commercial business	2,001		2		299		2,302		679,867		682,169		—
Agricultural business, including secured by farmland	—		—		—		—		228,291		228,291		105
One- to four-family residential	521		2,550		9,142		12,213		517,281		529,494		2,611
Consumer:
Consumer secured by one- to four-family	723		93		918		1,734		171,454		173,188		13
Consumer—other	384		99		131		614		121,220		121,834		131
Total	$	6,366	$	4,086	$	11,558	$	22,010	$	3,396,435	$	3,418,445	$	2,860



	December 31, 2012
	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days 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		72
Consumer—other	816		673		839		2,328		118,170		120,498		80
Total	$	9,870	$	4,264	$	19,267	$	33,401	$	3,202,313	$	3,235,714	$	3,029