Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | NOTE 4: LOANS AND ALLOWANCE FOR LOAN LOSSES At June 30, 2015, the Company’s loan portfolio was $4.81 billion, compared to $2.74 billion at December 31, 2014. The various categories of loans are summarized as follows: (In thousands) June 30, December 31, Consumer: Credit cards $ 174,074 $ 185,380 Other consumer 160,828 103,402 Total consumer 334,902 288,782 Real Estate: Construction 199,707 181,968 Single family residential 662,954 455,563 Other commercial 878,109 714,797 Total real estate 1,740,770 1,352,328 Commercial: Commercial 388,869 291,820 Agricultural 141,502 115,658 Total commercial 530,371 407,478 Other 5,186 5,133 Legacy loans 2,611,229 2,053,721 Loans acquired, not covered by FDIC loss share (net of discount) (1) 2,108,306 575,980 Loans acquired, covered by FDIC loss share (net of discount and allowance) (1) 93,121 106,933 Total loans $ 4,812,656 $ 2,736,634 (1) See Note 5, Loans Acquired, for segregation of loans acquired by loan class. Loan Origination/Risk Management Consumer Real estate Commercial Nonaccrual and Past Due Loans Nonaccrual loans, excluding loans acquired, segregated by class of loans, are as follows: (In thousands) June 30, December 31, Consumer: Credit cards $ 321 $ 197 Other consumer 308 405 Total consumer 629 602 Real estate: Construction 5,058 4,863 Single family residential 4,672 4,010 Other commercial 3,266 1,522 Total real estate 12,996 10,395 Commercial: Commercial 1,844 585 Agricultural 96 456 Total commercial 1,940 1,041 Total $ 15,565 $ 12,038 An age analysis of past due loans, excluding loans acquired, segregated by class of loans, is as follows: (In thousands) Gross 90 Days Total Current Total 90 Days June 30, 2015 Consumer: Credit cards $ 539 $ 479 $ 1,018 $ 173,056 $ 174,074 $ 158 Other consumer 1,650 352 2,002 158,826 160,828 194 Total consumer 2,189 831 3,020 331,882 334,902 352 Real estate: Construction 475 2,544 3,019 196,688 199,707 357 Single family residential 3,963 3,487 7,450 655,504 662,954 273 Other commercial 1,903 2,193 4,096 874,013 878,109 96 Total real estate 6,341 8,224 14,565 1,726,205 1,740,770 726 Commercial: Commercial 994 425 1,419 387,450 388,869 203 Agricultural 187 163 350 141,152 141,502 94 Total commercial 1,181 588 1,769 528,602 530,371 297 Other - - - 5,186 5,186 - Total $ 9,711 $ 9,643 $ 19,354 $ 2,591,875 $ 2,611,229 $ 1,375 December 31, 2014 Consumer: Credit cards $ 687 $ 457 $ 1,144 $ 184,236 $ 185,380 $ - Other consumer 1,349 447 1,796 101,606 103,402 223 Total consumer 2,036 904 2,940 285,842 288,782 223 Real estate: Construction 760 570 1,330 180,638 181,968 177 Single family residential 4,913 2,213 7,126 448,437 455,563 248 Other commercial 1,987 847 2,834 711,963 714,797 - Total real estate 7,660 3,630 11,290 1,341,038 1,352,328 425 Commercial: Commercial 381 354 735 291,085 291,820 - Agricultural 119 109 228 115,430 115,658 40 Total commercial 500 463 963 406,515 407,478 40 Other - - - 5,133 5,133 - Total $ 10,196 $ 4,997 $ 15,193 $ 2,038,528 $ 2,053,721 $ 688 Impaired Loans Impairment is evaluated in total for smaller-balance loans of a similar nature and on an individual loan basis for other loans. Impaired loans, or portions thereof, are charged-off when deemed uncollectible. Impaired loans, net of government guarantees and excluding loans acquired, segregated by class of loans, are as follows: (In thousands) Unpaid Recorded Investment Recorded Total Related Average Investment in Impaired Loans Interest Average Investment in Impaired Loans Interest Income Recognized June 30, 2015 Three Months Ended June 30, 2015 Six Months Ended June 30, 2015 Consumer: Credit cards $ 479 $ 479 $ - $ 479 $ 14 $ 459 $ 7 $ 372 $ 12 Other consumer 519 502 21 523 89 538 11 565 19 Total consumer 998 981 21 1,002 103 997 18 937 31 Real estate: Construction 6,104 2,650 - 2,650 - 5,066 107 5,717 197 Single family residential 5,744 5,237 639 5,876 920 5,251 93 4,942 170 Other commercial 4,240 3,362 127 3,489 593 3,104 48 2,563 88 Total real estate 16,088 11,249 766 12,015 1,513 13,421 248 13,222 455 Commercial: Commercial 1,824 2,048 1,102 3,150 363 2,054 29 1,558 54 Agricultural 195 190 - 190 33 166 5 264 9 Total commercial 2,019 2,238 1,102 3,3407 396 2,220 34 1,822 63 Total $ 19,105 $ 14,468 $ 1,889 $ 16,357 $ 2,012 $ 16,638 $ 300 $ 15,981 $ 549 December 31, 2014 Three Months Ended June 30, 2014 Six Months Ended June 30, 2014 Consumer: Credit cards $ 197 $ 197 $ - $ 197 $ 6 $ 446 $ 4 $ 470 $ 9 Other consumer 604 610 9 619 118 778 7 823 16 Total consumer 801 807 9 816 124 1,224 11 1,293 25 Real estate: Construction 7,400 7,020 - 7,020 599 2,840 2 4 2,962 5 8 Single family residential 4,442 3,948 377 4,325 899 4,254 36 4,153 81 Other commercial 1,955 1,446 36 1,482 268 9,562 80 9,437 185 Total real estate 13,797 12,414 413 12,827 1,766 16,656 140 16,552 324 Commercial: Commercial 1,227 566 - 566 102 765 6 664 13 Agricultural 501 460 - 466 83 98 1 92 2 Total commercial 1,728 1,026 - 1,026 185 863 7 756 15 Total $ 16,326 $ 14,247 $ 422 $ 14,669 $ 2,075 $ 18,743 $ 158 $ 18,601 $ 364 At June 30, 2015, and December 31, 2014, impaired loans, net of government guarantees and excluding loans acquired, totaled $16.4 million and $14.7 million, respectively. Allocations of the allowance for loan losses relative to impaired loans were $2.0 million at June 30, 2015 and $2.1 million at December 31, 2014. Approximately $300,000 and $549,000 of interest income was recognized on average impaired loans of $16.6 million and $16.0 million for the three and six months ended June 30, 2015. Interest income recognized on impaired loans on a cash basis during the three and six months ended June 30, 2015 and 2014 was not material. Included in certain impaired loan categories are troubled debt restructurings (“TDRs”). When the Company restructures a loan to a borrower that is experiencing financial difficulty and grants a concession that it would not otherwise consider, a “troubled debt restructuring” results and the Company classifies the loan as a TDR. The Company grants various types of concessions, primarily interest rate reduction and/or payment modifications or extensions, with an occasional forgiveness of principal. Under ASC Topic 310-10-35 – Subsequent Measurement Once an obligation has been restructured because of such credit problems, it continues to be considered a TDR until paid in full; or, if an obligation yields a market interest rate and no longer has any concession regarding payment amount or amortization, then it is not considered a TDR at the beginning of the calendar year after the year in which the improvement takes place. The Company returns TDRs to accrual status only if (1) all contractual amounts due can reasonably be expected to be repaid within a prudent period, and (2) repayment has been in accordance with the contract for a sustained period, typically at least six months. The following table presents a summary of troubled debt restructurings, excluding loans acquired, segregated by class of loans. Accruing TDR Loans Nonaccrual TDR Loans Total TDR Loans (Dollars in thousands) Number Balance Number Balance Number Balance June 30, 2015 Real estate: Construction - $ - 1 $ 263 1 $ 263 Single-family residential 2 137 6 953 8 1,090 Other commercial 3 1,822 2 622 5 2,444 Total real estate 5 1,959 9 1,838 14 3,797 Total 5 $ 1,959 9 $ 1,838 14 $ 3,797 December 31, 2014 Real estate: Construction - $ - 1 $ 391 1 $ 391 Single-family residential 2 393 1 3 3 396 Other commercial 3 1,840 1 614 4 2,454 Total real estate 5 2,233 3 1,008 8 3,241 Total 5 $ 2,233 3 $ 1,008 8 $ 3,241 The following table presents loans that were restructured as TDRs during the three and six months ended June 30, 2015 and 2014, excluding loans acquired, segregated by class of loans. Modification Type (Dollars in thousands) Number of Balance Prior Balance at Change in Change in Financial Impact Three Months Ended June 30, 2015 Real Estate: Single-family residential 4 $ 361 $ 361 $ 361 $ - $ - Other commercial 1 19 19 19 Total real estate 5 380 380 380 - - Total 5 $ 380 $ 380 $ 380 $ - $ - Three Months Ended June 30, 2014 Commercial: Commercial 1 $ 599 $ 599 $ 599 $ - $ - Total commercial 1 599 599 599 - - Total 1 $ 599 $ 599 $ 599 $ - $ - Six Months Ended June 30, 2015 Real estate: Single-family residential 6 $ 709 $ 701 $ 701 $ - $ - Other commercial 1 19 19 19 Total real estate 7 728 720 720 - - Total 7 $ 728 $ 720 $ 720 $ - $ - Six Months Ended June 30, 2014 Real estate: Single-family residential 1 $ 1,031 $ 1,031 $ 1,031 $ - $ - Total real estate 1 1,031 1,031 1,031 - - Commercial: Commercial 1 599 599 599 - - Total commercial 1 599 599 599 - - Total 2 $ 1,630 $ 1,630 $ 1,630 $ - $ - During the three months ended June 30, 2015, the Company modified five loans with a recorded investment of $380,000 prior to modification which were deemed troubled debt restructuring. The restructured loans were modified various terms, including changing the maturity date, deferring amortized principal payments and requiring interest only payments for a period of 12 months. Based on the fair value of the collateral, no specific reserve was determined necessary for these loans. Also, there was no immediate financial impact from the restructuring of these loans, as it was not considered necessary to charge-off interest or principal on the date of restructure. During the six months ended June 30, 2015, the Company modified seven loans with a total recorded investment of $728,000 prior to modification which were deemed troubled debt restructuring. The restructured loans were modified by various terms, including changing the maturity date and deferring amortized principal payments. Based on the fair value of the collateral, no specific reserve was determined necessary for these loans. Also, there was no immediate financial impact from the restructuring of these loans, as it was not considered necessary to charge-off interest or principal on the date of restructure. During the three months ended June 30, 2014, the Company modified one loan with a recorded investment of $599,000 and during the six months ended June 30, 2014, the Company modified two loans with a total recorded investment of $1,630,000 prior to modification which were deemed troubled debt restructuring. The restructured loans were modified by changing various terms, including changing the maturity date and deferring amortized principal payments. Based on the fair value of the collateral, no specific reserve was determined necessary for these loans. Also, there was no immediate financial impact from the restructuring of these loans, as it was not considered necessary to charge-off interest or principal on the date of restructure. There were no loans for which a payment default occurred during the six months ended June 30, 2015 and 2014, and that had been modified as a TDR within 12 months or less of the payment default, excluding loans acquired. We define a payment default as a payment received more than 90 days after its due date. In addition to the TDRs that occurred during the period provided in the preceding tables, the Company had TDRs with pre-modification loan balances of $4,756,500 and $9,268,321 at June 30, 2015 and 2014, respectively, for which other real estate owned (“OREO”) was received in full or partial satisfaction of the loans. The majority of such TDRs were in commercial real estate and residential real estate. At June 30, 2015, the Company had $1,537,000 of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process. At June 30, 2015, the Company had $4,599,000 of OREO secured by residential real estate properties. Credit Quality Indicators The Company utilizes a risk rating matrix to assign a risk rate to each of its commercial and real estate loans. Loans are rated on a scale of 1 to 8. A description of the general characteristics of the 8 risk ratings is as follows: · Risk Rate 1 – Pass (Excellent) · Risk Rate 2 – Pass (Good) · Risk Rate 3 – Pass (Acceptable – Average) · Risk Rate 4 – Pass (Monitor) · Risk Rate 5 – Special Mention · Risk Rate 6 – Substandard · Risk Rate 7 – Doubtful · Risk Rate 8 – Loss Loans acquired, including loans covered by FDIC loss share agreements, are evaluated using this internal grading system. Loans acquired through FDIC-assisted transactions are accounted for in pools. All of the non-covered loan pools accounted for under ASC Topic 310-30 were considered satisfactory (Risk Ratings 1 – 4) at June 30, 2015 and December 31, 2014, respectively. Loans acquired in the Liberty, Community First, Metropolitan and Delta Trust acquisitions are evaluated individually and include purchased credit impaired loans of $32.9 million and $22.3 million that are accounted for under ASC Topic 310-30 and are classified as substandard (Risk Rating 6) as of June 30, 2015 and December 31, 2014, respectively. Of the remaining loans acquired in the Liberty, Community First, Metropolitan and Delta Trust transactions and accounted for under ASC Topic 310-20, $29.8 million and $16.6 million were classified (Risk Ratings 6, 7 and 8 – see classified loans discussion below) at June 30, 2015 and December 31, 2014, respectively. Loans acquired, covered by loss share agreements, have additional protection provided by the FDIC. During the 2014 quarterly impairment testing on the estimated cash flows of the credit impaired loans, the Company established that some of the pools covered by loss share from our FDIC-assisted transactions had experienced material projected credit deterioration. As a result, the Company established a $1.0 million allowance for loan losses on covered loans by recording a provision for loan losses of $0.4 million (net of FDIC-loss share adjustments) during the period ended December 31, 2014. There was no further projected credit deterioration and no addition to the allowance for covered loans during the period ended June 30, 2015. See Note 5, Loans Acquired, for further discussion of the acquired loans, loan pools and loss sharing agreements. Purchased credit impaired loans are loans that showed evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all amounts contractually owed. Their fair value was initially based on the estimate of cash flows, both principal and interest, expected to be collected or estimated collateral values if cash flows are not estimable, discounted at prevailing market rates of interest. The difference between the undiscounted cash flows expected at acquisition and the fair value at acquisition is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition are not recognized as a yield adjustment. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining life. Decreases in expected cash flows are recognized as impairment. Classified loans for the Company include loans in Risk Ratings 6, 7 and 8. Loans may be classified, but not considered impaired, due to one of the following reasons: (1) The Company has established minimum dollar amount thresholds for loan impairment testing. Loans rated 6 – 8 that fall under the threshold amount are not tested for impairment and therefore are not included in impaired loans. (2) Of the loans that are above the threshold amount and tested for impairment, after testing, some are considered to not be impaired and are not included in impaired loans. Total classified loans, excluding covered and non-covered loans acquired in FDIC-assisted transactions, were $102.1 million and $82.1 million, as of June 30, 2015 and December 31, 2014, respectively. The following table presents a summary of loans by credit risk rating as of June 30, 2015 and December 31, 2014, segregated by class of loans. (In thousands) Risk Rate Risk Rate Risk Rate Risk Rate Risk Rate Total June 30, 2015 Consumer: Credit cards $ 173,595 $ - $ 479 $ - $ - $ 174,074 Other consumer 160,243 - 577 8 - 160,828 Total consumer 333,838 - 1,056 8 - 334,902 Real estate: Construction 192,697 514 6,496 - - 199,707 Single family residential 651,355 1,616 9,808 175 - 662,954 Other commercial 846,907 5,206 25,996 - - 878,109 Total real estate 1,690,959 7,336 42,300 175 - 1,740,770 Commercial: Commercial 377,144 1,374 10,313 38 - 388,869 Agricultural 140,631 700 171 - - 141,502 Total commercial 517,775 2,074 10,484 38 - 530,371 Other 5,148 - 38 - - 5,186 Loans acquired, not covered by FDIC loss share 2,046,360 13,901 46,151 1,855 39 2,108,306 Loans acquired, covered by FDIC loss share 93,121 - - - - 93,121 Total $ 4,687,201 $ 23,311 $ 100,029 $ 2,076 $ 39 $ 4,812,656 (In thousands) Risk Rate Risk Rate Risk Rate Risk Rate Risk Rate Total December 31, 2014 Consumer: Credit cards $ 184,923 $ - $ 457 $ - $ - $ 185,380 Other consumer 102,515 5 839 43 - 103,402 Total consumer 287,438 5 1,296 43 - 288,782 Real estate: Construction 176,825 84 5,059 - - 181,968 Single family residential 446,040 1,776 7,665 82 - 455,563 Other commercial 698,329 7,074 9,394 - - 714,797 Total real estate 1,321,194 8,934 22,118 82 - 1,352,328 Commercial: Commercial 271,017 1,544 19,248 11 - 291,820 Agricultural 115,106 20 532 - - 115,658 Total commercial 386,123 1,564 19,780 11 - 407,478 Other 5,133 - - - - 5,133 Loans acquired, not covered by FDIC loss share 535,728 1,435 36,958 1,854 5 575,980 Loans acquired, covered by FDIC loss share 106,933 - - - - 106,933 Total $ 2,642,549 $ 11,938 $ 80,152 $ 1,990 $ 5 $ 2,736,634 Net (charge-offs)/recoveries for the three and six months ended June 30, 2015 and 2014, excluding loans acquired, segregated by class of loans, were as follows: Three Months Ended Six Months Ended (In thousands) 2015 2014 2015 2014 Consumer: Credit cards $ (561 ) $ (510 ) $ (1,133 ) $ (1,055 ) Student loans - (20 ) - (29 ) Other consumer (179 ) (273 ) (266 ) (291 ) Total consumer (740 ) (803 ) (1,399 ) (1,375 ) Real estate: Construction (29 ) (24 ) (29 ) (444 ) Single-family residential (74 ) (47 ) (325 ) (358 ) Other commercial (184 ) (11 ) (214 ) (7 ) Total real estate (287 ) (82 ) (568 ) (809 ) Commercial: Commercial - (170 ) (76 ) (220 ) Agriculture 9 - 9 (18 ) Total commercial 9 (170 ) (67 ) (238 ) Total $ (1,018 ) $ (1,055 ) $ (2,034 ) $ (2,422 ) Allowance for Loan Losses Allowance for Loan Losses Receivables Loss Contingencies As mentioned above, allocations to the allowance for loan losses are categorized as either specific allocations or general allocations. A loan is considered impaired when it is probable that the Company will not receive all amounts due according to the contractual terms of the loan, including scheduled principal and interest payments. For a collateral dependent loan, the Company’s evaluation process includes a valuation by appraisal or other collateral analysis. This valuation is compared to the remaining outstanding principal balance of the loan. If a loss is determined to be probable, the loss is included in the allowance for loan losses as a specific allocation. If the loan is not collateral dependent, the measurement of loss is based on the difference between the expected and contractual future cash flows of the loan. The general allocation is calculated monthly based on management’s assessment of several factors such as (1) historical loss experience based on volumes and types, (2) volume and trends in delinquencies and nonaccruals, (3) lending policies and procedures including those for loan losses, collections and recoveries, (4) national, state and local economic trends and conditions, (5) concentrations of credit within the loan portfolio, (6) the experience, ability and depth of lending management and staff and (7) other factors and trends that will affect specific loans and categories of loans. The Company establishes general allocations for each major loan category. This category also includes allocations to loans which are collectively evaluated for loss such as credit cards, one-to-four family owner occupied residential real estate loans and other consumer loans. The following table details activity in the allowance for loan losses, excluding loans acquired, by portfolio segment for the three and six months ended June 30, 2015. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. (In thousands) Commercial Real Credit Other Total Three Months Ended June 30, 2015 Balance, beginning of period (2) $ 6,870 $ 15,553 $ 5,527 $ 1,233 $ 29,183 Provision for loan losses (1) (1,569 ) 3,311 352 308 2,402 Charge-offs - (333 ) (802 ) (366 ) (1,501 ) Recoveries 9 46 241 187 483 Net recoveries (charge-offs) 9 (287 ) (561 ) (179 ) (1,018 ) Balance, June 30, 2015 (2) $ 5,310 $ 18,577 $ 5,318 $ 1,362 $ 30,567 Six Months Ended June 30, 2015 Balance, beginning of period (2) $ 6,962 $ 15,161 $ 5,445 $ 1,460 $ 29,028 Provision for loan losses (1) (1,585 ) 3,984 1,006 168 3,573 Charge-offs (245 ) (626 ) (1,587 ) (586 ) (3,044 ) Recoveries 178 58 454 320 1,010 Net charge-offs (67 ) (568 ) (1,133 ) (266 ) (2,034 ) Balance, June 30, 2015 (2) $ 5,310 $ 18,577 $ 5,318 $ 1,362 $ 30,567 Period-end amount allocated to: Loans individually evaluated for impairment $ 396 $ 1,513 $ 14 $ 89 $ 2,012 Loans collectively evaluated for impairment 4,914 17,064 5,304 1,273 28,555 Balance, June 30, 2015 (2) $ 5,310 $ 18,577 $ 5,318 $ 1,362 $ 30,567 (1) Provision for loan losses of $604,000 attributable to loans acquired, not covered by loss share, was excluded from this table for the three and six months ended June 30, 2015 (total provision for loan losses for the three and six months ended June 30, 2015 was $3,006,000 and $4,177,000). The $604,000 was subsequently charged-off, resulting in no ending balance in the allowance related to loans acquired, not covered by loss share. (2) Allowance for loan losses at March 31, 2015, June 30, 2015 and December 31, 2014 includes $954,000 allowance for loans acquired, covered by loss share. The total allowance for loan losses at March 31, 2015, June 30, 2015 and December 31, 2014 was $30,137,000, $31,521,000 and $29,982,000, respectively. Activity in the allowance for loan losses, excluding loans acquired, for the three and six months ended June 30, 2014 was as follows: (In thousands) Commercial Real Credit Other Total Three Months Ended June 30, 2014 Balance, beginning of period $ 3,508 $ 16,393 $ 5,444 $ 1,638 $ 26,983 Provision for loan losses 613 (142 ) 576 555 1,602 Charge-offs (186 ) (1,144 ) (725 ) (426 ) (2,481 ) Recoveries 16 1,062 215 133 1,426 Net charge-offs (170 ) (82 ) (510 ) (293 ) (1,055 ) Balance, June 30, 2014 $ 3,951 $ 16,169 $ 5,510 $ 1,900 $ 27,530 Six Months Ended June 30, 2014 Balance, beginning of period $ 3,205 $ 16,885 $ 5,430 $ 1,922 $ 27,442 Provision for loan losses 984 93 1,135 298 2,510 Charge-offs (268 ) (2,179 ) (1,541 ) (574 ) (4,562 ) Recoveries 30 1,370 486 254 2,140 Net charge-offs (238 ) (809 ) (1,055 ) (320 ) (2,422 ) Balance, June 30, 2014 $ 3,951 $ 16,169 $ 5,510 $ 1,900 $ 27,530 Period-end amount allocated to: Loans individually evaluated for impairment $ 136 $ 1,697 $ 13 $ 166 $ 2,012 Loans collectively evaluated for impairment 3,815 14,472 5,497 1,734 25,518 Balance, June 30, 2014 $ 3,951 $ 16,169 $ 5,510 $ 1,900 $ 27,530 Period-end amount allocated to: Loans individually evaluated for impairment $ 185 $ 1,756 $ 6 $ 118 $ 2,065 Loans collectively evaluated for impairment 6,777 13,405 5,439 1,342 26,963 Balance, December 31, 2014 (1) $ 6,962 $ 15,161 $ 5,445 $ 1,460 $ 29,028 (1) Allowance for loan losses at December 31, 2014 includes $954,000 allowance for loans acquired, covered by loss share. The total allowance for loan losses at December 31, 2014 was $29,982,000. The Company’s recorded investment in loans, excluding loans acquired, related to each balance in the allowance for loan losses by portfolio segment on the basis of the Company’s impairment methodology was as follows: (In thousands) Commercial Real Credit Other Total June 30, 2015 Loans individually evaluated for impairment $ 3,340 $ 12,015 $ 479 $ 523 $ 16,357 Loans collectively evaluated for impairment 527,031 1,728,755 173,595 165,491 2,594,872 Balance, end of period $ 530,371 $ 1,740,770 $ 174,074 $ 166,014 $ 2,611,229 December 31, 2014 Loans individually evaluated for impairment $ 1,026 $ 12,827 $ 197 $ 619 $ 14,669 Loans collectively evaluated for impairment 406,452 1,339,501 185,183 107,916 2,039,052 Balance, end of period $ 407,478 $ 1,352,328 $ 185,380 $ 108,535 $ 2,053,721 |