| LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES | LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES Loans receivable, including loans held for sale, at September 30, 2015 and December 31, 2014 are summarized as follows (dollars in thousands): September 30, 2015 December 31, 2014 Amount Percent of Total Amount Percent of Total Commercial real estate: Owner-occupied $ 635,146 14.5 % $ 546,783 14.3 % Investment properties 1,062,418 24.3 856,942 22.3 Multifamily real estate 198,874 4.6 167,524 4.4 Commercial construction 47,490 1.1 17,337 0.4 Multifamily construction 72,987 1.7 60,193 1.6 One- to four-family construction 246,715 5.6 219,889 5.7 Land and land development: Residential 111,091 2.5 102,435 2.7 Commercial 15,517 0.4 11,152 0.3 Commercial business 812,070 18.6 723,964 18.9 Agricultural business, including secured by farmland 242,556 5.5 238,499 6.2 One- to four-family residential 536,325 12.3 539,894 14.1 Consumer: Consumer secured by one- to four-family 250,029 5.7 222,205 5.8 Consumer—other 141,376 3.2 127,003 3.3 Total loans outstanding 4,372,594 100.0 % 3,833,820 100.0 % Less allowance for loan losses (77,320 ) (75,907 ) Net loans $ 4,295,274 $ 3,757,913 Loan amounts are net of unearned loan fees in excess of unamortized costs of $10.0 million as of September 30, 2015 and $5.8 million as of December 31, 2014 . Net loans include net discounts on acquired loans of $4.3 million and $148,000 as of September 30, 2015 and December 31, 2014 , respectively. 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 September 30, 2015 were as follows (in thousands): September 30, 2015 Fixed-rate (term to maturity): Maturing in one year or less $ 150,889 Maturing after one year through three years 203,434 Maturing after three years through five years 165,674 Maturing after five years through ten years 272,660 Maturing after ten years 482,673 Total fixed-rate loans 1,275,330 Adjustable-rate (term to rate adjustment): Maturing or repricing in one year or less 1,631,649 Maturing or repricing after one year through three years 606,056 Maturing or repricing after three years through five years 605,590 Maturing or repricing after five years through ten years 225,164 Maturing or repricing after ten years 28,805 Total adjustable-rate loans 3,097,264 Total loans $ 4,372,594 The adjustable-rate loans have various interest rate adjustment limitations and are generally indexed to various prime or London Inter-bank Offering Rate (LIBOR) rates, One to Five Year Constant Maturity Treasury Indices or FHLB advance rates. Future market factors may affect the correlation of the interest rate adjustment with the rates the Banks pay on the short-term deposits that were primarily utilized to fund these loans. Purchased credit-impaired loans and purchased non-credit-impaired loans. Purchased loans, including loans acquired in business combinations, are recorded at their fair value at the acquisition date. Credit discounts are included in the determination of fair value; therefore, an allowance for loan and lease losses is not recorded at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-impaired or purchased non-credit-impaired. Purchased credit-impaired loans reflect credit deterioration since origination such that it is probable at acquisition that the Company will be unable to collect all contractually required payments. The outstanding contractual unpaid principal balance of purchased credit-impaired loans, excluding acquisition accounting adjustments, was $8.8 million at September 30, 2015 . The carrying balance of purchased credit-impaired loans was $5.4 million at September 30, 2015 . There were no purchased credit-impaired loans at December 31, 2014 or September 30, 2014 . The following table presents the changes in the accretable yield for purchased credit-impaired loans for the three and nine months ended September 30, 2015 and 2014 (in thousands): Three Months Ended Nine Months Ended 2015 2014 2015 2014 Balance, beginning of period $ 2,149 $ — $ — $ — Additions — — 2,239 — Accretion to interest income (68 ) — (158 ) — Disposals — — — — Reclassifications from non-accretable difference — — — — Balance, end of period $ 2,081 $ — $ 2,081 $ — As of September 30, 2015 , the non-accretable difference between the contractually required payments and cash flows expected to be collected was $3.2 million . 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. Factors involved in determining impairment include, but are not limited to, the financial condition of the borrower, the value of the underlying collateral and the current status of the economy. Impaired loans are comprised of loans on nonaccrual, troubled debt restructures (TDRs) that are performing under their restructured terms, and loans that are 90 days or more past due, but are still on accrual. The following tables provide information on impaired loans with and without allowance reserves at September 30, 2015 and December 31, 2014 . Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands): September 30, 2015 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 1,619 $ 129 $ 1,439 $ 57 Investment properties 8,788 — 8,384 988 Multifamily real estate 361 — 361 73 One- to four-family construction 2,582 — 2,582 216 Land and land development: Residential 3,552 750 1,647 455 Commercial 1,899 1,549 — — Commercial business 1,878 9 1,620 226 Agricultural business/farmland 1,078 — 1,004 40 One- to four-family residential 19,555 2,148 16,161 716 Consumer: Consumer secured by one- to four-family 985 72 734 56 Consumer—other 398 85 231 6 $ 42,695 $ 4,742 $ 34,163 $ 2,833 December 31, 2014 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 1,598 $ 966 $ 582 $ 24 Investment properties 6,458 30 6,023 729 Multifamily real estate 786 — 786 86 One- to four-family construction 3,923 — 3,923 640 Land and land development: Residential 3,710 1,275 1,280 346 Commercial business 1,502 — 1,276 128 Agricultural business/farmland 1,597 744 854 26 One- to four-family residential 27,855 1,865 24,529 1,032 Consumer: Consumer secured by one- to four-family 1,256 73 1,077 75 Consumer—other 634 138 470 6 $ 49,319 $ 5,091 $ 40,800 $ 3,092 (1) Loans without an allowance reserve have been individually evaluated for impairment and that evaluation concluded that no reserve was needed. (2) Includes general reserves for loans evaluated in pools of homogeneous loans and loans with a specific reserve allowance. 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 less costs to sell to establish realizable value. The following tables summarize our average recorded investment and interest income recognized on impaired loans by loan class for the three and nine months ended September 30, 2015 and 2014 (in thousands): Three Months Ended Three Months Ended Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Commercial real estate: Owner-occupied $ 1,584 $ 3 $ 3,304 $ 22 Investment properties 8,399 76 6,383 78 Multifamily real estate 362 3 1,195 (93 ) One- to four-family construction 2,530 29 3,625 17 Land and land development: Residential 2,400 9 2,926 21 Commercial 1,783 — — — Commercial business 1,813 8 2,240 19 Agricultural business/farmland 977 10 229 — One- to four-family residential 18,558 124 28,117 282 Consumer: Consumer secured by one- to four-family 814 1 970 4 Consumer—other 314 2 924 12 $ 39,534 $ 265 $ 49,913 $ 362 Nine Months Ended Nine Months Ended Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Commercial real estate: Owner-occupied $ 1,674 $ 8 $ 3,134 $ 46 Investment properties 7,890 228 6,449 238 Multifamily real estate 364 14 1,220 34 One- to four-family construction 2,385 87 3,501 120 Land and land development: Residential 2,412 40 2,937 67 Commercial 1,861 — — — Commercial business 1,699 27 2,225 52 Agricultural business/farmland 905 19 102 — One- to four-family residential 19,349 503 28,896 748 Consumer: Consumer secured by one- to four-family 894 8 1,025 13 Consumer—other 353 12 938 27 $ 39,786 $ 946 $ 50,427 $ 1,345 Troubled Debt Restructures. Some of the Company’s loans are reported as TDRs. Loans are reported as TDRs when the bank grants one or more concessions to a borrower experiencing financial difficulties that it would not otherwise consider. Examples of such concessions include forgiveness of principal or accrued interest, extending the maturity date(s) or providing a lower interest rate than would be normally available for a transaction of similar risk. Our TDRs have generally not involved forgiveness of amounts due, but almost always include a modification of multiple factors; the most common combination includes interest rate, payment amount and maturity date. As a result of these concessions, restructured loans are impaired as the Company will not collect all amounts due, both principal and interest, in accordance with the terms of the original loan agreement. Loans identified as TDRs are accounted for in accordance with the Company's impaired loan accounting policies. The following tables present TDRs at September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 Accrual Status Nonaccrual Status Total TDRs Commercial real estate: Owner-occupied $ 182 $ 104 $ 286 Investment properties 5,871 13 5,884 Multifamily real estate 361 — 361 One- to four-family construction 2,582 — 2,582 Land and land development: Residential 1,153 493 1,646 Commercial business 643 — 643 Agricultural business, including secured by farmland 776 — 776 One- to four-family residential 12,090 1,451 13,541 Consumer: Consumer secured by one- to four-family 147 56 203 Consumer—other 176 — 176 $ 23,981 $ 2,117 $ 26,098 December 31, 2014 Accrual Status Nonaccrual Status Total TDRs Commercial real estate: Owner-occupied $ 183 $ 109 $ 292 Investment properties 6,021 32 6,053 Multifamily real estate 786 — 786 One- to four-family construction 3,923 — 3,923 Land and land development: Residential 1,279 525 1,804 Commercial business 739 87 826 One- to four-family residential 15,793 1,363 17,156 Consumer: Consumer secured by one- to four-family 233 117 350 Consumer—other 197 116 313 $ 29,154 $ 2,349 $ 31,503 As of September 30, 2015 and December 31, 2014 , the Company had commitments to advance funds related to TDRs up to additional amounts of $284,000 and $2.1 million , respectively. The following tables present new TDRs that occurred during the three and nine months ended September 30, 2015 and 2014 (dollars in thousands): Three Months Ended September 30, 2015 Nine Months Ended September 30, 2015 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) Land and land development—residential — $ — $ — 2 $ 1,383 $ 1,383 Agricultural business/farmland — — — 3 607 607 One- to four-family residential — — — 2 456 456 — $ — $ — 7 $ 2,446 $ 2,446 Three Months Ended September 30, 2014 Nine Months Ended September 30, 2014 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 Owner-occupied — $ — $ — 1 $ 94 $ 94 One- to four-family construction 1 388 388 5 1,369 1,369 Commercial business — — — 1 100 100 One- to four-family residential 2 434 434 2 434 434 Consumer-other — — — 1 9 9 3 $ 822 $ 822 10 $ 2,006 $ 2,006 (1) Since these 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. The following table presents TDRs which incurred a payment default within twelve months of the restructure date during the three and nine -month periods ended September 30, 2015 and 2014 . A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off, or both. Three Months Ended Nine Months Ended 2015 2014 2015 2014 One- to four-family residential $ 387 $ — $ 387 $ — Total $ 387 $ — $ 387 $ — 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 the nine months ended September 30, 2015 . 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 which requires, however, 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 indeterminable. 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 should be 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 the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 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) $ 1,667,522 $ 195,755 $ 478,876 $ 793,518 $ 225,743 $ 527,244 $ 388,523 $ 4,277,181 Special mention 10,108 — — 14,189 14,960 149 82 39,488 Substandard 19,934 3,119 14,924 4,363 1,853 8,932 2,788 55,913 Doubtful — — — — — — 12 12 Loss — — — — — — — — Total loans $ 1,697,564 $ 198,874 $ 493,800 $ 812,070 $ 242,556 $ 536,325 $ 391,405 $ 4,372,594 Performing loans $ 1,691,857 $ 198,318 $ 485,215 $ 811,085 $ 242,328 $ 530,106 $ 390,155 $ 4,349,064 Non-performing loans (2) 5,707 556 8,585 985 228 6,219 1,250 23,530 Total loans $ 1,697,564 $ 198,874 $ 493,800 $ 812,070 $ 242,556 $ 536,325 $ 391,405 $ 4,372,594 December 31, 2014 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) $ 1,375,885 $ 166,712 $ 395,356 $ 691,143 $ 234,101 $ 527,384 $ 346,456 $ 3,737,037 Special mention 3,717 — — 27,453 1,055 63 140 32,428 Substandard 24,123 812 15,650 5,368 3,343 12,447 2,601 64,344 Doubtful — — — — — — 11 11 Loss — — — — — — — — Total loans $ 1,403,725 $ 167,524 $ 411,006 $ 723,964 $ 238,499 $ 539,894 $ 349,208 $ 3,833,820 Performing loans $ 1,402,593 $ 167,524 $ 409,731 $ 723,427 $ 236,902 $ 528,965 $ 347,942 $ 3,817,084 Non-performing loans (2) 1,132 — 1,275 537 1,597 10,929 1,266 16,736 Total loans $ 1,403,725 $ 167,524 $ 411,006 $ 723,964 $ 238,499 $ 539,894 $ 349,208 $ 3,833,820 (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 September 30, 2015 and December 31, 2014 , in the commercial business category, $146 million and $115 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, loans past due greater than 90 days and on accrual status and purchased credit-impaired loans which are included at their unpaid principal balance. The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2015 and December 31, 2014 (in thousands): September 30, 2015 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Purchased Credit-Impaired Current Total Loans Loans 90 Days or More Past Due and Accruing Non-accrual Commercial real estate: Owner-occupied $ 1,926 $ 779 $ 300 $ 3,005 $ 1,131 $ 631,010 $ 635,146 $ — $ 1,387 Investment properties 89 — 2,500 2,589 — 1,059,829 1,062,418 — 2,512 Multifamily real estate — 46 — 46 441 198,387 198,874 — — Commercial construction — — — — — 47,490 47,490 — — Multifamily construction — — — — — 72,987 72,987 — — One-to-four-family construction — 242 — 242 901 245,572 246,715 — — Land and land development: Residential 154 286 749 1,189 — 109,902 111,091 — 1,243 Commercial — — 2,612 2,612 2,624 10,281 15,517 — 1,549 Commercial business 165 — 755 920 — 811,150 812,070 5 980 Agricultural business, including secured by farmland 23 — 90 113 — 242,443 242,556 — 228 One- to four-family residential 204 387 4,390 4,981 — 531,344 536,325 1,285 4,935 Consumer: Consumer secured by one- to four-family 133 28 91 252 — 249,777 250,029 — 659 Consumer—other 272 315 101 688 312 140,376 141,376 11 130 Total $ 2,966 $ 2,083 $ 11,588 $ 16,637 $ 5,409 $ 4,350,548 $ 4,372,594 $ 1,301 $ 13,623 December 31, 2014 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Purchased Credit-Impaired Current Total Loans Loans 90 Days or More Past Due and Accruing Non-accrual Commercial real estate: Owner-occupied $ — $ 1,984 $ — $ 1,984 $ — $ 544,799 $ 546,783 $ — $ 1,132 Investment properties 639 — — 639 — 856,303 856,942 — — Multifamily real estate — — — — — 167,524 167,524 — — Commercial construction — — — — — 17,337 17,337 — 1,275 Multifamily construction — — — — — 60,193 60,193 — — One-to-four-family construction 840 — — 840 — 219,049 219,889 — — Land and land development: Residential 759 — 750 1,509 — 100,926 102,435 — — Commercial — — — — — 11,152 11,152 — — Commercial business 775 35 100 910 — 723,054 723,964 — 537 Agricultural business, including secured by farmland 597 466 744 1,807 — 236,692 238,499 — 1,597 One-to four-family residential 877 1,623 7,526 10,026 — 529,868 539,894 2,095 8,834 Consumer: Consumer secured by one- to four-family 59 60 139 258 — 221,947 222,205 79 1,187 Consumer—other 491 88 293 872 — 126,131 127,003 — — Total $ 5,037 $ 4,256 $ 9,552 $ 18,845 $ — $ 3,814,975 $ 3,833,820 $ 2,174 $ 14,562 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 and nine months ended September 30, 2015 and 2014 (in thousands): For the Three Months Ended September 30, 2015 Commercial Real Estate Multifamily Real Estate Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 18,948 $ 4,273 $ 25,415 $ 13,184 $ 2,679 $ 8,542 $ 780 $ 3,508 $ 77,329 Provision for loan losses 317 90 1,929 (235 ) (292 ) (635 ) 330 (1,504 ) — Recoveries 375 — 282 128 146 42 91 — 1,064 Charge-offs — — (352 ) (312 ) — (12 ) (397 ) — (1,073 ) Ending balance $ 19,640 $ 4,363 $ 27,274 $ 12,765 $ 2,533 $ 7,937 $ 804 $ 2,004 $ 77,320 For the Nine Months Ended September 30, 2015 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 18,784 $ 4,562 $ 23,545 $ 12,043 $ 2,821 $ 8,447 $ 483 $ 5,222 $ 75,907 Provision for loan losses 333 (312 ) 2,847 664 (890 ) (524 ) 1,100 (3,218 ) — Recoveries 587 113 1,234 803 1,666 141 369 — 4,913 Charge-offs (64 ) — (352 ) (745 ) (1,064 ) (127 ) (1,148 ) — (3,500 ) Ending balance $ 19,640 $ 4,363 $ 27,274 $ 12,765 $ 2,533 $ 7,937 $ 804 $ 2,004 $ 77,320 September 30, 2015 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 612 $ 73 $ 473 $ 74 $ 17 $ 706 $ 60 $ — $ 2,015 Collectively evaluated for impairment 19,028 4,290 26,801 12,691 2,516 7,231 744 2,004 75,305 Total allowance for loan losses $ 19,640 $ 4,363 $ 27,274 $ 12,765 $ 2,533 $ 7,937 $ 804 $ 2,004 $ 77,320 Loan balances: Individually evaluated for impairment $ 6,182 $ 361 $ 6,034 $ 644 $ 776 $ 13,952 $ 528 $ — $ 28,477 Collectively evaluated for impairment 1,690,251 198,072 484,241 811,426 241,780 522,373 390,565 — 4,338,708 Purchased credit-impaired loans 1,131 441 3,525 — — — 312 — 5,409 Total loans $ 1,697,564 $ 198,874 $ 493,800 $ 812,070 $ 242,556 $ 536,325 $ 391,405 $ — $ 4,372,594 For the Three Months Ended September 30, 2014 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 18,884 $ 5,765 $ 17,837 $ 12,014 $ 2,824 $ 9,270 $ 748 $ 6,968 $ 74,310 Provision for loan losses 527 (853 ) 2,858 490 (339 ) (38 ) 603 (3,248 ) — Recoveries 94 — 84 256 587 143 53 — 1,217 Charge-offs — (20 ) — (83 ) (125 ) (239 ) (729 ) — (1,196 ) Ending balance $ 19,505 $ 4,892 $ 20,779 $ 12,677 $ 2,947 $ 9,136 $ 675 $ 3,720 $ 74,331 For the Nine Months Ended September 30, 2014 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Beginning balance $ 16,759 $ 5,306 $ 17,640 $ 11,773 $ 2,841 $ 11,486 $ 1,335 $ 7,118 $ 74,258 Provision for loan losses 3,321 (394 ) 2,558 1,150 (1,017 ) (2,253 ) 33 (3,398 ) — Recoveries 664 — 788 835 1,248 535 393 — 4,463 Charge-offs (1,239 ) (20 ) (207 ) (1,081 ) (125 ) (632 ) (1,086 ) — (4,390 ) Ending balance $ 19,505 $ 4,892 $ 20,779 $ 12,677 $ 2,947 $ 9,136 $ 675 $ 3,720 $ 74,331 September 30, 2014 Commercial Real Estate Multifamily Construction and Land Commercial Business Agricultural Business One- to Four-Family Residential Consumer Unallocated Total Allowance for loan losses: Individually evaluated for impairment $ 755 $ 91 $ 1,269 $ 103 $ — $ 1,143 $ 58 $ — $ 3,419 Collectively evaluated for impairment 18,750 4,801 19,510 12,574 2,947 7,993 617 3,720 70,912 Total allowance for loan losses $ 19,505 $ 4,892 $ 20,779 $ 12,677 $ 2,947 $ 9,136 $ 675 $ 3,720 $ 74,331 Loan balances: Individually evaluated for impairment $ 8,070 $ 791 $ 6,643 $ 880 $ — $ 18,890 $ 649 $ — $ 35,923 Collectively evaluated for impairment 1,392,547 183,153 374,864 727,208 240,048 508,381 344,571 — 3,770,772 Total loans $ 1,400,617 $ 183,944 $ 381,507 $ 728,088 $ 240,048 $ 527,271 $ 345,220 $ — $ 3,806,695 |
