Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | NOTE 5: At March 31, 2018, $10.99 $10.78 December 31, 2017. (In thousands) March 31, December 31, Consumer: Credit cards $ 176,602 $ 185,422 Other consumer 284,285 280,094 Total consumer 460,887 465,516 Real Estate: Construction 786,077 614,155 Single family residential 1,193,464 1,094,633 Other commercial 2,611,358 2,530,824 Total real estate 4,590,899 4,239,612 Commercial: Commercial 971,704 825,217 Agricultural 128,247 148,302 Total commercial 1,099,951 973,519 Other 138,646 26,962 Loans 6,290,383 5,705,609 Loans acquired, net of discount and allowance (1) 4,696,945 5,074,076 Total loans $ 10,987,328 $ 10,779,685 ______________________ ( 1 See Note 6, Loan Origination/Risk Management may eight Consumer Real estate one Commercial one three Nonaccrual and Past Due Loans not may may Nonaccrual loans, excluding loans acquired, segregated by class of loans, are as follows: (In thousands) March 31, December 31, Consumer: Credit cards $ 298 $ 170 Other consumer 4,711 4,605 Total consumer 5,009 4,775 Real estate: Construction 1,923 2,242 Single family residential 13,616 13,431 Other commercial 16,707 16,054 Total real estate 32,246 31,727 Commercial: Commercial 8,003 6,980 Agricultural 2,137 2,160 Total commercial 10,140 9,140 Total $ 47,395 $ 45,642 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 March 31, 2018 Consumer: Credit cards $ 707 $ 672 $ 1,379 $ 175,223 $ 176,602 $ 233 Other consumer 3,407 3,176 6,583 277,702 284,285 33 Total consumer 4,114 3,848 7,962 452,925 460,887 266 Real estate: Construction 640 703 1,343 784,734 786,077 -- Single family residential 6,937 6,163 13,100 1,180,364 1,193,464 71 Other commercial 4,796 9,488 14,284 2,597,074 2,611,358 -- Total real estate 12,373 16,354 28,727 4,562,172 4,590,899 71 Commercial: Commercial 3,674 4,134 7,808 963,896 971,704 -- Agricultural 107 2,075 2,182 126,065 128,247 -- Total commercial 3,781 6,209 9,990 1,089,961 1,099,951 -- Other -- -- -- 138,646 138,646 -- Total $ 20,268 $ 26,411 $ 46,679 $ 6,243,704 $ 6,290,383 $ 337 December 31, 2017 Consumer: Credit cards $ 707 $ 672 $ 1,379 $ 184,043 $ 185,422 $ 332 Other consumer 5,009 3,298 8,307 271,787 280,094 10 Total consumer 5,716 3,970 9,686 455,830 465,516 342 Real estate: Construction 411 1,210 1,621 612,534 614,155 -- Single family residential 8,071 6,460 14,531 1,080,102 1,094,633 1 Other commercial 2,388 8,031 10,419 2,520,405 2,530,824 -- Total real estate 10,870 15,701 26,571 4,213,041 4,239,612 1 Commercial: Commercial 1,523 6,125 7,648 817,569 825,217 -- Agricultural 50 2,120 2,170 146,132 148,302 -- Total commercial 1,573 8,245 9,818 963,701 973,519 -- Other -- -- -- 26,962 26,962 -- Total $ 18,159 $ 27,916 $ 46,075 $ 5,659,534 $ 5,705,609 $ 343 Impaired Loans not 90 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 Interest March 31, 2018 Three Months Ended Consumer: Credit cards $ 298 $ 298 $ -- $ 298 $ -- $ 234 $ 15 Other consumer 4,849 4,711 -- 4,711 -- 4,658 34 Total consumer 5,147 5,009 -- 5,009 -- 4,892 49 Real estate: Construction 2,392 1,220 702 1,922 249 2,082 16 Single family residential 14,605 13,057 559 13,616 32 13,523 100 Other commercial 22,500 8,135 8,573 16,708 145 16,287 120 Total real estate 39,497 22,412 9,834 32,246 426 31,892 236 Commercial: Commercial 8,480 7,119 758 7,877 18 7,226 53 Agricultural 3,256 2,137 -- 2,137 -- 1,586 12 Total commercial 11,736 9,256 758 10,014 18 8,812 65 Total $ 56,380 $ 36,677 $ 10,592 $ 47,269 $ 444 $ 45,596 $ 350 December 31, 2017 Three Months Ended Consumer: Credit cards $ 170 $ 170 $ -- $ 170 $ -- $ 302 $ 5 Other consumer 4,755 4,605 -- 4,605 -- 2,107 13 Total consumer 4,925 4,775 -- 4,775 -- 2,409 18 Real estate: Construction 2,522 1,347 895 2,242 249 3,074 20 Single family residential 14,347 12,725 706 13,431 53 12,667 81 Other commercial 22,308 6,732 9,133 15,865 36 19,321 123 Total real estate 39,177 20,804 10,734 31,538 338 35,062 224 Commercial: Commercial 9,954 4,306 2,269 6,575 -- 11,344 72 Agricultural 3,278 1,035 -- 1,035 -- 1,726 11 Total commercial 13,232 5,341 2,269 7,610 -- 13,070 83 Total $ 57,334 $ 30,920 $ 13,003 $ 43,923 $ 338 $ 50,541 $ 325 At March 31, 2018, December 31, 2017, $47.3 $43.9 $444,000 $338,000 March 31, 2018 December 31, 2017, $350,000 $45.6 three March 31, 2018. three March 31, 2018 2017 not 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 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 not 1 2 six 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 March 31, 2018 Consumer: Other consumer 1 $ 91 -- $ -- 1 $ 91 Total consumer 1 91 -- -- 1 91 Real estate: Construction -- -- 1 408 1 408 Single-family residential 5 201 13 802 18 1,003 Other commercial 4 4,270 4 3,350 8 7,620 Total real estate 9 4,471 18 4,560 27 9,031 Commercial: Commercial 4 1,897 6 738 10 2,635 Total commercial 4 1,897 6 738 10 2,635 Total 14 $ 6,459 24 $ 5,298 38 $ 11,757 December 31, 2017 Real estate: Construction -- $ -- 1 $ 420 1 $ 420 Single-family residential 4 141 15 954 19 1,095 Other commercial 4 4,322 5 3,712 9 8,034 Total real estate 8 4,463 21 5,086 29 9,549 Commercial: Commercial 5 2,644 6 745 11 3,389 Total commercial 5 2,644 6 745 11 3,389 Total 13 $ 7,107 27 $ 5,831 40 $ 12,938 The following table presents loans that were restructured as TDRs during the three March 31, 2018 2017, Modification Type (Dollars in thousands) Number of Balance Prior Balance at Change in Change in Financial Impact Three Months Ended March 31, 2018 Consumer: Other consumer 1 $ 91 $ 91 $ 91 $ -- $ -- Total consumer 1 91 91 91 -- -- Real estate: Single-family residential 1 61 62 62 -- -- Total real estate 1 61 62 62 -- -- Total 2 $ 152 $ 153 $ 153 $ -- $ -- Three Months Ended March 31, 2017 Real estate: Construction 1 $ 456 $ 456 $ 456 $ -- $ -- Other commercial 2 7,362 7,362 7,362 -- 33 Total real estate 3 7,818 7,818 7,818 -- 33 Commercial: Commercial 5 770 760 760 -- -- Total commercial 5 770 760 760 -- -- Total 8 $ 8,588 $ 8,578 $ 8,578 $ -- $ 33 During the three March 31, 2018, 2 $152,000 12 not no not During the three March 31, 2017, 8 $8.6 12 $26,000 $33,000 There was one three March 31, 2018. $66,300 $294,300 one three March 31, 2017. 90 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 $294,300 $242,300 March 31, 2018 2017, March 31, 2018 December 31, 2017, $6,809,000 $5,057,000, March 31, 2018 December 31, 2017, $3,767,000 $3,828,000, 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 8. 8 · Risk Rate 1 · Risk Rate 2 · Risk Rate 3 · Risk Rate 4 may may first may one may one · Risk Rate 5 may not not may may · Risk Rate 6 not not may · Risk Rate 7 may · Risk Rate 8 not not no not may Loans acquired are evaluated using this internal grading system. Loans acquired are evaluated individually and include purchased credit impaired loans of $17.6 $17.1 310 30 6 March 31, 2018 December 31, 2017, 310 20, $78.7 $76.3 6, 7 8 March 31, 2018 December 31, 2017, 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 not Classified loans for the Company include loans in Risk Ratings 6, 7 8. may not one 1 6 8 not not 2 not not 310 30, $177.8 $175.6 March 31, 2018 December 31, 2017, The following table presents a summary of loans by credit risk rating as of March 31, 2018 December 31, 2017, 310 30 1 4 (In thousands) Risk Rate Risk Rate Risk Rate Risk Rate Risk Rate Total March 31, 2018 Consumer: Credit cards $ 176,071 $ -- $ 531 $ -- $ -- $ 176,602 Other consumer 279,414 -- 4,871 -- -- 284,285 Total consumer 455,485 -- 5,402 -- -- 460,887 Real estate: Construction 778,757 2,344 4,960 16 -- 786,077 Single family residential 1,168,255 1,790 23,197 222 -- 1,193,464 Other commercial 2,572,032 7,076 32,250 -- -- 2,611,358 Total real estate 4,519,044 11,210 60,407 238 -- 4,590,899 Commercial: Commercial 953,138 6,140 12,426 -- -- 971,704 Agricultural 124,938 325 2,961 23 -- 128,247 Total commercial 1,078,076 6,465 15,387 23 -- 1,099,951 Other 138,646 -- -- -- -- 138,646 Loans acquired 4,545,941 54,664 95,842 498 -- 4,696,945 Total $ 10,737,192 $ 72,339 $ 177,038 $ 759 $ -- $ 10,987,328 (In thousands) Risk Rate Risk Rate Risk Rate Risk Rate Risk Rate Total December 31, 2017 Consumer: Credit cards $ 184,920 $ -- $ 502 $ -- $ -- $ 185,422 Other consumer 275,160 -- 4,934 -- -- 280,094 Total consumer 460,080 -- 5,436 -- -- 465,516 Real estate: Construction 603,126 5,795 5,218 16 -- 614,155 Single family residential 1,066,902 3,954 23,490 287 -- 1,094,633 Other commercial 2,480,293 19,581 30,950 -- -- 2,530,824 Total real estate 4,150,321 29,330 59,658 303 -- 4,239,612 Commercial: Commercial 736,377 74,254 14,402 50 134 825,217 Agricultural 146,065 24 2,190 23 -- 148,302 Total commercial 882,442 74,278 16,592 73 134 973,519 Other 26,962 -- -- -- -- 26,962 Loans acquired 4,782,384 198,314 93,378 -- -- 5,074,076 Total $ 10,302,189 $ 301,922 $ 175,064 $ 376 $ 134 $ 10,779,685 Allowance for Loan Losses Allowance for Loan Losses 310 10, Receivables 450 20, 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 not The general allocation is calculated monthly based on management’s assessment of several factors such as ( 1 2 3 4 5 6 7 8 one four The following table details activity in the allowance for loan losses by portfolio segment for the three March 31, 2018. one not (In thousands) Commercial Real Credit Other Total Three Months Ended March 31, 2018 Balance, beginning of period $ 7,007 $ 27,281 $ 3,784 $ 3,596 $ 41,668 Provision for loan losses (1) 4,286 3,286 751 759 9,082 Charge-offs (1,761 ) (455 ) (999 ) (1,056 ) (4,271 ) Recoveries 69 302 263 94 728 Net charge-offs (1,692 ) (153 ) (736 ) (962 ) (3,543 ) Balance, March 31, 2018 (2) $ 9,601 $ 30,414 $ 3,799 $ 3,393 $ 47,207 Period-end amount allocated to: Loans individually evaluated for impairment $ 18 $ 426 $ -- $ -- $ 444 Loans collectively evaluated for impairment 9,583 29,988 3,799 3,393 46,763 Balance, March 31, 2018 (2) $ 9,601 $ 30,414 $ 3,799 $ 3,393 $ 47,207 Activity in the allowance for loan losses for the three March 31, 2017 (In thousands) Commercial Real Credit Other Total Three Months Ended March 31, 2017 Balance, beginning of period $ 7,739 $ 21,817 $ 3,779 $ 2,951 $ 36,286 Provision for loan losses (1) 696 860 758 1,243 3,557 Charge-offs (292 ) (656 ) (1,044 ) (1,174 ) (3,166 ) Recoveries 30 232 236 690 1,188 Net charge-offs (262 ) (424 ) (808 ) (484 ) (1,978 ) Balance, March 31, 2017 (2) $ 8,173 $ 22,253 $ 3,729 $ 3,710 $ 37,865 Period-end amount allocated to: Loans individually evaluated for impairment $ 708 $ 837 $ -- $ 1 $ 1,546 Loans collectively evaluated for impairment 7,465 21,416 3,729 3,709 36,319 Balance, March 31, 2017 (2) $ 8,173 $ 22,253 $ 3,729 $ 3,710 $ 37,865 Period-end amount allocated to: Loans individually evaluated for impairment $ -- $ 338 $ -- $ -- $ 338 Loans collectively evaluated for impairment 7,007 26,943 3,784 3,596 41,330 Balance, December 31, 2017 (2) $ 7,007 $ 27,281 $ 3,784 $ 3,596 $ 41,668 ( 1 Provision for loan losses of $68,000 three March 31, 2018 ( three March 31, 2018 $9,150,000 $79,000 three March 31, 2018, $407,000. $750,000 three March 31, 2017 ( three March 31, 2017 $4,307,000 $1.3 first three 2017, $435,000. ( 2 Allowance for loan losses at March 31, 2018 $407,000 not December 31, 2017 March 31, 2017 $418,000 $435,000, not March 31, 2018 $47,614,000 December 31, 2017 March 31, 2017 $42,086,000 $38,300,000, 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 March 31, 2018 Loans individually evaluated for impairment $ 10,014 $ 32,246 $ 298 $ 4,711 $ 47,269 Loans collectively evaluated for impairment 1,089,937 4,558,653 176,304 418,220 6,243,114 Balance, end of period $ 1,099,951 $ 4,590,899 $ 176,602 $ 422,931 $ 6,290,383 December 31, 2017 Loans individually evaluated for impairment $ 7,610 $ 31,538 $ 170 $ 4,605 $ 43,923 Loans collectively evaluated for impairment 965,909 4,208,074 185,252 302,451 5,661,686 Balance, end of period $ 973,519 $ 4,239,612 $ 185,422 $ 307,056 $ 5,705,609 |