Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | NOTE 4: LOANS AND ALLOWANCE FOR LOAN LOSSES At June 30, 2016, the Company’s loan portfolio was $5.014 billion, compared to $4.919 billion at December 31, 2015. The various categories of loans are summarized as follows: (In thousands) June 30, December 31, Consumer: Credit cards $ 171,468 $ 177,288 Other consumer 248,018 208,380 Total consumer 419,486 385,668 Real Estate: Construction 330,666 279,740 Single family residential 785,289 696,180 Other commercial 1,414,663 1,229,072 Total real estate 2,530,618 2,204,992 Commercial: Commercial 577,771 500,116 Agricultural 187,047 148,563 Total commercial 764,818 648,679 Other 10,500 7,115 Loans 3,725,422 3,246,454 Loans acquired, net of discount and allowance (1) 1,288,435 1,672,901 Total loans $ 5,013,857 $ 4,919,355 ______________________ (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 $ 266 $ 212 Other consumer 1,205 442 Total consumer 1,471 654 Real estate: Construction 5,312 4,955 Single family residential 10,353 5,453 Other commercial 21,522 4,420 Total real estate 37,187 14,828 Commercial: Commercial 2,985 1,968 Agricultural 1,662 264 Total commercial 4,647 2,232 Total $ 43,305 $ 17,714 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, 2016 Consumer: Credit cards $ 631 $ 434 $ 1,065 $ 170,403 $ 171,468 $ 168 Other consumer 1,529 800 2,329 245,689 248,018 36 Total consumer 2,160 1,234 3,394 416,092 419,486 204 Real estate: Construction 761 2,413 3,174 327,492 330,666 - Single family residential 5,034 5,430 10,464 774,825 785,289 23 Other commercial 3,267 3,441 6,708 1,407,955 1,414,663 - Total real estate 9,062 11,284 20,346 2,510,272 2,530,618 23 Commercial: Commercial 2,712 1,120 3,832 573,939 577,771 - Agricultural 1,189 840 2,029 185,018 187,047 - Total commercial 3,901 1,960 5,861 758,957 764,818 - Other - - - 10,500 10,500 - Total $ 15,123 $ 14,478 $ 29,601 $ 3,695,821 $ 3,725,422 $ 227 December 31, 2015 Consumer: Credit cards $ 639 $ 479 $ 1,118 $ 176,170 $ 177,288 $ 267 Other consumer 1,879 648 2,527 205,853 208,380 374 Total consumer 2,518 1,127 3,645 382,023 385,668 641 Real estate: Construction 1,328 4,511 5,839 273,901 279,740 - Single family residential 4,856 3,342 8,198 687,982 696,180 364 Other commercial 869 3,302 4,171 1,224,901 1,229,072 25 Total real estate 7,053 11,155 18,208 2,186,784 2,204,992 389 Commercial: Commercial 3,427 637 4,064 496,052 500,116 90 Agricultural 285 243 528 148,035 148,563 56 Total commercial 3,712 880 4,592 644,087 648,679 146 Other 108 93 201 6,914 7,115 15 Total $ 13,391 $ 13,255 $ 26,646 $ 3,219,808 $ 3,246,454 $ 1,191 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 Contractual Principal Balance Recorded Investment With No Allowance Recorded Investment With Allowance Total Recorded Investment Related Allowance Average Investment in Impaired Loans Interest Income Recognized Average Investment in Impaired Loans Interest Income Recognized June 30, 2016 Three Months Ended Six Months Ended Consumer: Credit cards $ 433 $ 433 $ - $ 433 $ - $ 216 $ - $ 304 $ 10 Other consumer 1,257 1,225 17 1,242 6 841 12 708 18 Total consumer 1,690 1,658 17 1,675 6 1,057 12 1,012 28 Real estate: Construction 6,209 2,414 2,898 5,312 155 5,089 61 5,044 126 Single family residential 10,879 8,946 1,510 10,456 115 9,032 110 7,904 197 Other commercial 22,990 7,484 14,393 21,877 2,810 19,976 220 14,789 370 Total real estate 40,078 18,844 18,801 37,645 3,080 34,097 391 27,737 693 Commercial: Commercial 4,116 2,477 369 2,846 63 2,539 31 2,355 59 Agricultural 2,634 1,625 - 1,625 - 1,084 15 810 20 Total commercial 6,750 4,102 369 4,471 63 3,623 46 3,165 79 Total $ 48,518 $ 24,604 $ 19,187 $ 43,791 $ 3,149 $ 38,777 $ 449 $ 31,914 $ 800 December 31, 2015 Three Months Ended Six Months Ended Consumer: Credit cards $ 479 $ 479 $ - $ 479 $ 7 $ 459 $ 7 $ 372 $ 12 Other consumer 459 423 19 442 85 538 11 565 19 Total consumer 938 902 19 921 92 997 18 937 31 Real estate: Construction 5,678 1,636 3,318 4,954 441 5,066 107 5,717 197 Single family residential 5,938 4,702 945 5,647 1,034 5,251 93 4,942 170 Other commercial 5,688 4,328 88 4,416 832 3,104 48 2,563 88 Total real estate 17,304 10,666 4,351 15,017 2,307 13,421 248 13,222 455 Commercial: Commercial 2,656 1,654 334 1,988 387 2,054 29 1,558 54 Agricultural 264 264 - 264 45 166 5 264 9 Total commercial 2,920 1,918 334 2,252 432 2,220 34 1,822 63 Total $ 21,162 $ 13,486 $ 4,704 $ 18,190 $ 2,831 $ 16,638 $ 300 $ 15,981 $ 549 At June 30, 2016, and December 31, 2015, impaired loans, net of government guarantees and excluding loans acquired, totaled $43.8 million and $18.2 million, respectively. Allocations of the allowance for loan losses relative to impaired loans were $3.1 million and $2.8 million at June 30, 2016 and December 31, 2015, respectively. Approximately $449,000 and $800,000 of interest income was recognized on average impaired loans of $38.8 million and $31.9 million for the three and six months ended June 30, 2016. Interest income recognized on impaired loans on a cash basis during the three and six months ended June 30, 2016 and 2015 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, 2016 Consumer: Other consumer -- $ -- 2 $ 15 2 $ 15 Total consumer -- -- 2 15 2 15 Real estate: Construction -- -- 1 139 1 139 Single-family residential 3 184 18 1,870 21 2,054 Other commercial 25 10,302 2 1,769 27 12,071 Total real estate 28 10,486 21 3,778 49 14,264 Commercial: Commercial 10 401 5 312 15 713 Total commercial 10 401 5 312 15 713 Total 38 $ 10,887 28 $ 4,105 66 $ 14,992 December 31, 2015 Consumer: Other consumer -- $ -- 1 $ 13 1 $ 13 Total consumer -- -- 1 13 1 13 Real estate: Construction -- -- 1 253 1 253 Single-family residential 2 137 11 1,335 13 1,472 Other commercial 4 2,894 1 597 5 3,491 Total real estate 6 3,031 13 2,185 19 5,216 Commercial: Commercial -- -- 5 332 5 332 Total commercial -- -- 5 332 5 332 Total 6 $ 3,031 19 $ 2,530 25 $ 5,561 The following table presents loans that were restructured as TDRs during the three and six months ended June 30, 2016 and 2015, 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, 2016 Consumer: Other consumer 1 $ 3 $ 3 $ 3 $ -- $ -- Total consumer 1 3 3 3 -- -- Real Estate: Single-family residential 7 618 615 61 554 -- Other commercial 1 348 364 -- 364 -- Total real estate 8 966 979 61 918 -- Commercial: Commercial 9 426 399 399 -- -- Total commercial 9 426 399 399 -- -- Total 18 $ 1,395 $ 1,381 $ 463 $ 918 $ -- 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 $ -- $ -- Six Months Ended June 30, 2016 Consumer: Other consumer 1 $ 3 $ 3 $ 3 $ -- $ -- Total consumer 1 3 3 3 -- -- Real estate: Single-family residential 9 796 793 239 554 -- Other commercial 25 8,962 8,931 8,567 364 -- Total real estate 34 9,758 9,724 8,806 918 -- Commercial: Commercial 11 600 572 572 -- -- Total commercial 11 600 572 572 -- -- Total 46 $ 10,361 $ 10,299 $ 9,381 $ 918 $ -- 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 $ -- $ -- During the three months ended June 30, 2016, the Company modified 18 loans with a recorded investment of $1.4 million prior to modification which were deemed troubled debt restructuring. The restructured loans were modified by deferring amortized principal payments, changing the maturity date, changing the interest rate and requiring interest only payments for a period of 12 months. Based on the fair value of the collateral, a specific reserve of $31,000 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, 2016, the Company modified 46 loans with a recorded investment of $10.4 million prior to modification which was deemed troubled debt restructuring. The restructured loans were modified by deferring amortized principal payments, changing the maturity date, changing the interest rate and requiring interest only payments for a period of 12 months. Based on the fair value of the collateral, a specific reserve of $324,000 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, 2015, the Company modified five loans with a recorded investment of $380,000 and 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 changing 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. There were no loans for which a payment default occurred during the six months ended June 30, 2016 and 2015, 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 $166,500 and $4.8 million at June 30, 2016 and 2015, 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, 2016, the Company had $2,215,000 of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process. At June 30, 2016, the Company had $5,648,000 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 are evaluated using this internal grading system. Loans acquired are evaluated individually and include purchased credit impaired loans of $20.7 million and $23.5 million that are accounted for under ASC Topic 310-30 and are classified as substandard (Risk Rating 6) as of June 30, 2016 and December 31, 2015, respectively. Of the remaining loans acquired and accounted for under ASC Topic 310-20, $36.0 million and $49.9 million were classified (Risk Ratings 6, 7 and 8 – see classified loans discussion below) at June 30, 2016 and December 31, 2015, respectively. Loans acquired, covered by loss share agreements, had additional protection provided by the FDIC prior to the termination of the loss share agreements. During the 2014 quarterly impairment testing on the estimated cash flows of the credit impaired loans, the Company established that some of the loans covered by loss share from our FDIC-assisted transactions had experienced material projected credit deterioration. As a result, the Company established a $954,000 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 2015. The $954,000 allowance was reclassified to allowance on acquired non-covered loans subsequent to the agreement with the FDIC to terminate the loss share agreements. See Note 5, Loans Acquired, for further discussion of the acquired loans 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 loans accounted for under ASC Topic 310-30, were $161.4 million and $153.7 million, as of June 30, 2016 and December 31, 2015, respectively. The following table presents a summary of loans by credit risk rating as of June 30, 2016 and December 31, 2015, segregated by class of loans. Loans accounted for under ASC Topic 310-30 are all included in Risk Rate 1-4 in this table. (In thousands) Risk Rate Risk Rate Risk Rate Risk Rate Risk Rate Total June 30, 2016 Consumer: Credit cards $ 171,035 $ -- $ 433 $ -- $ -- $ 171,468 Other consumer 246,491 44 1,463 20 -- 248,018 Total consumer 417,526 44 1,896 20 -- 419,486 Real estate: Construction 319,592 103 10,955 16 -- 330,666 Single family residential 761,813 3,605 19,707 164 -- 785,289 Other commercial 1,351,541 7,127 55,995 -- -- 1,414,663 Total real estate 2,432,946 10,835 86,657 180 -- 2,530,618 Commercial: Commercial 558,439 5,140 14,162 30 -- 577,771 Agricultural 185,028 228 1,791 -- -- 187,047 Total commercial 743,467 5,368 15,953 30 -- 764,818 Other 10,500 -- -- -- -- 10,500 Loans acquired 1,212,261 19,520 54,740 1,914 -- 1,288,435 Total $ 4,816,700 $ 35,767 $ 159,246 $ 2,144 $ -- $ 5,013,857 (In thousands) Risk Rate Risk Rate Risk Rate Risk Rate Risk Rate Total December 31, 2015 Consumer: Credit cards $ 176,809 $ -- $ 479 $ -- $ -- $ 177,288 Other consumer 207,069 -- 1,262 49 -- 208,380 Total consumer 383,878 -- 1,741 49 -- 385,668 Real estate: Construction 270,386 319 9,019 16 -- 279,740 Single family residential 679,484 2,701 13,824 171 -- 696,180 Other commercial 1,178,817 5,404 44,261 590 -- 1,229,072 Total real estate 2,128,687 8,424 67,104 777 -- 2,204,992 Commercial: Commercial 487,563 2,760 9,787 6 -- 500,116 Agricultural 147,788 -- 775 -- -- 148,563 Total commercial 635,351 2,760 10,562 6 -- 648,679 Other 7,022 -- 93 -- -- 7,115 Loans acquired 1,590,384 9,150 69,219 3,689 459 1,672,901 Total $ 4,745,322 $ 20,334 $ 148,719 $ 4,521 $ 459 $ 4,919,355 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 by portfolio segment for the three and six months ended June 30, 2016. 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, 2016 Balance, beginning of period (2) $ 7,083 $ 19,925 $ 3,757 $ 1,916 $ 32,681 Provision for loan losses (1) 2,714 423 440 732 4,309 Charge-offs (2,283 ) (824 ) (702 ) (489 ) (4,298 ) Recoveries 318 111 253 149 831 Net recoveries (charge-offs) (1,965 ) (713 ) (449 ) (340 ) (3,467 ) Balance, June 30, 2016 (2) $ 7,832 $ 19,635 $ 3,748 $ 2,308 $ 33,523 Six Months Ended June 30, 2016 Balance, beginning of period (2) $ 5,985 $ 19,522 $ 3,893 $ 1,951 $ 31,351 Provision for loan losses (1) 4,281 943 921 987 7,132 Charge-offs (2,759 ) (1,053 ) (1,561 ) (882 ) (6,255 ) Recoveries 325 223 495 252 1,295 Net charge-offs (2,434 ) (830 ) (1,066 ) (630 ) (4,960 ) Balance, June 30, 2016 (2) $ 7,832 $ 19,635 $ 3,748 $ 2,308 $ 33,523 Period-end amount allocated to: Loans individually evaluated for impairment $ 63 $ 3,080 $ -- $ 6 $ 3,149 Loans collectively evaluated for impairment 7,769 16,555 3,748 2,302 30,374 Balance, June 30, 2016 (2) $ 7,832 $ 19,635 $ 3,748 $ 2,308 $ 33,523 ________________________________________ (1) Provision for loan losses of $307,000 attributable to loans acquired was excluded from this table for the three and six months ended June 30, 2016 (total provision for loan losses for the three and six months ended June 30, 2016 was $4,616,000 and $7,439,000). The $307,000 was subsequently charged-off, resulting in no ending balance in the allowance related to loans acquired. (2) Allowance for loan losses at June 30, 2016, March 31, 2016 and December 31, 2015 includes $954,000 allowance for loans acquired. The total allowance for loan losses at June 30, 2016, March 31, 2016 and December 31, 2015 was $34,477,000, $33,635,000 and $32,305,000, respectively. Activity in the allowance for loan losses for the three and six months ended June 30, 2015 was as follows: (In thousands) Commercial Real Credit Other Total Three Months Ended June 30, 2015 Balance, beginning of period (4) $ 6,870 $ 15,553 $ 5,527 $ 1,233 $ 29,183 Provision for loan losses (3) (1,569 ) 3,311 352 308 2,402 Charge-offs -- (333 ) (802 ) (366 ) (1,501 ) Recoveries 9 46 241 187 483 Net charge-offs 9 (287 ) (561 ) (179 ) (1,018 ) Balance, June 30, 2015 (4) $ 5,310 $ 18,577 $ 5,318 $ 1,362 $ 30,567 Six Months Ended June 30, 2015 Balance, beginning of period (4) $ 6,962 $ 15,161 $ 5,445 $ 1,460 $ 29,028 Provision for loan losses (3) (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 (4) $ 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 (4) $ 5,310 $ 18,577 $ 5,318 $ 1,362 $ 30,567 Period-end amount allocated to: Loans individually evaluated for impairment $ 432 $ 2,307 $ 7 $ 85 $ 2,831 Loans collectively evaluated for impairment 5,553 17,215 3,886 1,866 28,520 Balance, December 31, 2015 (5) $ 5,985 $ 19,522 $ 3,893 $ 1,951 $ 31,351 ___________________________________________ (3) 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. (4) Allowance for loan losses at June 30, 2015, March 31, 2015 and December 31, 2014 includes $954,000 allowance for loans acquired, covered by loss share. The total allowance for loan losses at June 30, 2015, March 31, 2015 and December 31, 2014 was $31,521,000, $30,137,000 and $29,982,000, respectively. (5) Allowance for loan losses at December 31, 2015 includes $954,000 allowance for loans acquired (not shown in the table above). The total allowance for loan losses December 31, 2015 was $32,305,000. 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, 2016 Loans individually evaluated for impairment $ 4,471 $ 37,645 $ 433 $ 1,242 $ 43,791 Loans collectively evaluated for impairment 760,347 2,492,973 171,035 257,276 3,681,631 Balance, end of period $ 764,818 $ 2,530,618 $ 171,468 $ 258,518 $ 3,725,422 December 31, 2015 Loans individually evaluated for impairment $ 2,252 $ 15,017 $ 479 $ 442 $ 18,190 Loans collectively evaluated for impairment 646,427 2,189,975 176,809 215,053 3,228,264 Balance, end of period $ 648,679 $ 2,204,992 $ 177,288 $ 215,495 $ 3,246,454 |