| LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES | LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES Loans receivable at September 30, 2016 and December 31, 2015 are summarized as follows (dollars in thousands): September 30, 2016 December 31, 2015 Amount Percent of Total Amount Percent of Total Commercial real estate: Owner-occupied $ 1,340,577 18.1 % $ 1,327,807 18.2 % Investment properties 1,918,639 25.9 1,765,353 24.1 Multifamily real estate 266,883 3.6 472,976 6.5 Commercial construction 135,487 1.8 72,103 1.0 Multifamily construction 105,669 1.4 63,846 0.9 One- to four-family construction 363,586 4.9 278,469 3.8 Land and land development: Residential 162,029 2.2 126,773 1.7 Commercial 30,556 0.4 33,179 0.5 Commercial business 1,187,848 16.1 1,207,944 16.5 Agricultural business, including secured by farmland 383,275 5.2 376,531 5.1 One- to four-family residential 846,899 11.5 952,633 13.0 Consumer: Consumer secured by one- to four-family 497,643 6.7 478,420 6.5 Consumer—other 159,546 2.2 158,470 2.2 Total loans 7,398,637 100.0 % 7,314,504 100.0 % Less allowance for loan losses (84,220 ) (78,008 ) Net loans $ 7,314,417 $ 7,236,496 Loan amounts are net of unearned loan fees in excess of unamortized costs of $5.6 million as of September 30, 2016 and $5.5 million as of December 31, 2015 . Net loans include net discounts on acquired loans of $34.9 million and $43.7 million as of September 30, 2016 and December 31, 2015 , respectively. 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. PCI 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 $57.3 million at September 30, 2016 and $83.4 million at December 31, 2015 . The carrying balance of purchased credit-impaired loans was $38.7 million at September 30, 2016 and $58.6 million at December 31, 2015 . The following table presents the changes in the accretable yield for purchased credit-impaired loans for the three and nine months ended September 30, 2016 and 2015 (in thousands): Three Months Ended Nine Months Ended 2016 2015 2016 2015 Balance, beginning of period $ 11,035 $ 2,149 $ 10,375 $ — Additions — — — 2,239 Accretion to interest income (1,811 ) (68 ) (6,349 ) (158 ) Disposals (899 ) — (1,018 ) — Reclassifications from non-accretable difference 1,120 — 6,437 — Balance, end of period $ 9,445 $ 2,081 $ 9,445 $ 2,081 As of September 30, 2016 and December 31, 2015 , the non-accretable difference between the contractually required payments and cash flows expected to be collected were $19.2 million and $29.5 million , respectively. 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. Purchased credit-impaired loans are considered performing within the scope of the purchased credit-impaired accounting guidance and are not included in the impaired loan tables. The following tables provide information on impaired loans, excluding PCI loans, with and without allowance reserves at September 30, 2016 and December 31, 2015 . 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, 2016 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 1,589 $ — $ 1,541 $ 105 Investment properties 17,537 9,691 7,431 739 Multifamily real estate 541 — 529 69 One- to four-family construction 1,176 — 1,176 157 Land and land development: Residential 3,119 750 1,213 236 Commercial 1,608 997 — — Commercial business 3,398 1,057 2,228 346 Agricultural business/farmland 4,452 3,896 476 30 One- to four-family residential 12,262 1,878 10,045 451 Consumer: Consumer secured by one- to four-family 1,591 — 1,547 11 Consumer—other 490 7 485 3 $ 47,763 $ 18,276 $ 26,671 $ 2,147 December 31, 2015 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 1,465 $ — $ 1,416 $ 70 Investment properties 8,740 2,503 5,846 602 Multifamily real estate 359 — 357 71 Commercial construction 1,141 1,069 — — One- to four-family construction 1,741 — 1,741 161 Land and land development: Residential 3,540 750 1,634 444 Commercial 1,628 1,027 — — Commercial business 2,266 538 1,184 150 Agricultural business/farmland 1,309 544 697 43 One- to four-family residential 17,897 2,206 14,418 736 Consumer: Consumer secured by one- to four-family 776 — 716 23 Consumer—other 433 — 351 7 $ 41,295 $ 8,637 $ 28,360 $ 2,307 (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 allowance reserve. 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, 2016 and 2015 (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 $ 2,544 $ 3 $ 1,584 $ 3 Investment properties 19,046 74 8,399 76 Multifamily real estate 529 27 362 3 One- to four-family construction 1,176 3 2,530 29 Land and land development: Residential 1,964 20 2,400 9 Commercial 997 — 1,783 — Commercial business 4,283 16 1,813 8 Agricultural business/farmland 4,973 6 977 10 One- to four-family residential 11,973 131 18,558 124 Consumer: Consumer secured by one- to four-family 1,894 5 814 1 Consumer—other 512 3 314 2 $ 49,891 $ 288 $ 39,534 $ 265 Nine Months Ended Nine Months Ended Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Commercial real estate: Owner-occupied $ 2,673 $ 9 $ 1,674 $ 8 Investment properties 19,775 224 7,890 228 Multifamily real estate 518 36 364 14 One- to four-family construction 1,151 56 2,385 87 Land and land development: Residential 1,971 63 2,412 40 Commercial 1,005 — 1,861 — Commercial business 4,470 28 1,699 27 Agricultural business/farmland 4,824 19 905 19 One- to four-family residential 12,193 358 19,349 503 Consumer: Consumer secured by one- to four-family 1,913 13 894 8 Consumer—other 572 10 353 12 $ 51,065 $ 816 $ 39,786 $ 946 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, 2016 and December 31, 2015 (in thousands): September 30, 2016 Accrual Status Nonaccrual Status Total TDRs Commercial real estate: Owner-occupied $ 181 $ 99 $ 280 Investment properties 5,706 — 5,706 Multifamily real estate 351 — 351 One- to four-family construction 1,176 — 1,176 Land and land development: Residential 1,213 — 1,213 Commercial business 434 — 434 Agricultural business, including secured by farmland 616 87 703 One- to four-family residential 7,657 960 8,617 Consumer: Consumer secured by one- to four-family 144 8 152 Consumer—other 171 — 171 $ 17,649 $ 1,154 $ 18,803 December 31, 2015 Accrual Status Nonaccrual Status Total TDRs Commercial real estate: Owner-occupied $ 181 $ 104 $ 285 Investment properties 5,834 13 5,847 Multifamily real estate 357 — 357 One- to four-family construction 1,741 — 1,741 Land and land development: Residential 1,151 483 1,634 Commercial business 624 — 624 Agricultural business, including secured by farmland 545 277 822 One- to four-family residential 11,025 1,428 12,453 Consumer: Consumer secured by one- to four-family 147 14 161 Consumer—other 172 — 172 $ 21,777 $ 2,319 $ 24,096 As of September 30, 2016 and December 31, 2015 , the Company had commitments to advance funds related to TDRs up to additional amounts of $133,000 and $237,000 , respectively. No new TDRs occurred during the three and nine months ended September 30, 2016 . The following table presents new TDRs that occurred during the three and nine month periods ended September 30, 2015 (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 One- to four-family residential — — — 3 607 607 Agricultural business/farmland — — — 2 456 456 — $ — $ — 7 $ 2,446 $ 2,446 (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. There were no TDRs which incurred a payment default within twelve months of the restructure date during the three and nine -month periods ended September 30, 2016 and 2015 . A default on a TDR results in either a transfer to nonaccrual status or a partial charge-off, or both. 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, 2016 . 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, 2016 and December 31, 2015 (in thousands): September 30, 2016 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) $ 3,184,915 $ 264,899 $ 783,363 $ 1,140,359 $ 372,727 $ 840,609 $ 654,098 $ 7,240,970 Special mention 35,144 582 2,966 20,529 2,648 1,026 133 63,028 Substandard 39,157 1,402 10,998 26,960 7,900 5,264 2,951 94,632 Doubtful — — — — — — 7 7 Loss — — — — — — — — Total loans $ 3,259,216 $ 266,883 $ 797,327 $ 1,187,848 $ 383,275 $ 846,899 $ 657,189 $ 7,398,637 Performing loans $ 3,217,896 $ 266,448 $ 791,427 $ 1,180,819 $ 378,713 $ 842,332 $ 655,032 $ 7,332,667 Purchased credit-impaired loans 28,544 258 4,153 4,264 807 301 347 38,674 Non-performing loans (2) 12,776 177 1,747 2,765 3,755 4,266 1,810 27,296 Total loans $ 3,259,216 $ 266,883 $ 797,327 $ 1,187,848 $ 383,275 $ 846,899 $ 657,189 $ 7,398,637 December 31, 2015 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) $ 3,022,281 $ 468,467 $ 558,425 $ 1,167,933 $ 354,760 $ 943,098 $ 633,734 $ 7,148,698 Special mention 30,928 138 2,386 25,286 17,526 1,346 22 77,632 Substandard 39,951 4,371 13,559 14,725 4,245 8,189 3,124 88,164 Doubtful — — — — — — 10 10 Loss — — — — — — — — Total loans $ 3,093,160 $ 472,976 $ 574,370 $ 1,207,944 $ 376,531 $ 952,633 $ 636,890 $ 7,314,504 Performing loans $ 3,048,424 $ 470,982 $ 566,460 $ 1,198,475 $ 374,305 $ 945,968 $ 636,068 $ 7,240,682 Purchased credit-impaired loans 40,985 1,994 5,650 7,302 1,529 1,066 74 58,600 Non-performing loans (2) 3,751 — 2,260 2,167 697 5,599 748 15,222 Total loans $ 3,093,160 $ 472,976 $ 574,370 $ 1,207,944 $ 376,531 $ 952,633 $ 636,890 $ 7,314,504 (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, 2016 and December 31, 2015 , in the commercial business category, $202.2 million and $150.0 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 and loans past due greater than 90 days and on accrual status. The following tables provide additional detail on the age analysis of the Company’s past due loans as of September 30, 2016 and December 31, 2015 (in thousands): September 30, 2016 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 $ 638 $ 2,681 $ 491 $ 3,810 $ 14,921 $ 1,321,846 $ 1,340,577 $ — $ 1,360 Investment properties 504 229 10,912 11,645 13,623 1,893,371 1,918,639 — 11,416 Multifamily real estate 99 — 147 246 258 266,379 266,883 147 30 Commercial construction — — — — — 135,487 135,487 — — Multifamily construction — — — — — 105,669 105,669 — — One-to-four-family construction 300 452 — 752 881 361,953 363,586 — — Land and land development: Residential — — 750 750 — 161,279 162,029 — 750 Commercial — — 997 997 3,272 26,287 30,556 — 997 Commercial business 419 333 2,631 3,383 4,264 1,180,201 1,187,848 — 2,765 Agricultural business, including secured by farmland 3,864 — 3,207 7,071 807 375,397 383,275 — 3,755 One- to four-family residential 488 648 2,683 3,819 301 842,779 846,899 852 3,414 Consumer: Consumer secured by one- to four-family 1,158 578 816 2,552 80 495,011 497,643 253 1,150 Consumer—other 516 219 323 1,058 267 158,221 159,546 172 235 Total $ 7,986 $ 5,140 $ 22,957 $ 36,083 $ 38,674 $ 7,323,880 $ 7,398,637 $ 1,424 $ 25,872 December 31, 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 $ 3,981 $ 139 $ 885 $ 5,005 $ 24,261 $ 1,298,541 $ 1,327,807 $ — $ 1,235 Investment properties 1,763 132 2,503 4,398 16,724 1,744,231 1,765,353 — 2,516 Multifamily real estate 4 — — 4 1,994 470,978 472,976 — — Commercial construction — — — — — 72,103 72,103 — — Multifamily construction 771 13 — 784 — 63,062 63,846 — — One-to-four-family construction 2,466 220 — 2,686 905 274,878 278,469 — 1,233 Land and land development: Residential — — 747 747 77 125,949 126,773 — 1,027 Commercial — 96 — 96 4,668 28,415 33,179 — — Commercial business 1,844 174 1,024 3,042 7,302 1,197,600 1,207,944 8 2,159 Agricultural business, including secured by farmland 323 729 278 1,330 1,529 373,672 376,531 — 697 One-to four-family residential 620 873 3,811 5,304 1,066 946,263 952,633 899 4,700 Consumer: Consumer secured by one- to four-family 465 60 38 563 40 477,817 478,420 4 565 Consumer—other 488 155 131 774 34 157,662 158,470 41 138 Total $ 12,725 $ 2,591 $ 9,417 $ 24,733 $ 58,600 $ 7,231,171 $ 7,314,504 $ 952 $ 14,270 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, 2016 and 2015 (in thousands): For the Three Months Ended September 30, 2016 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 $ 20,149 $ 1,515 $ 31,861 $ 17,758 $ 2,891 $ 2,204 $ 3,743 $ 1,197 $ 81,318 Provision for loan losses (337 ) (79 ) 1,269 (1,351 ) 80 (404 ) 348 2,474 2,000 Recoveries 34 — 673 433 (138 ) 482 73 — 1,557 Charge-offs — — — (333 ) — (92 ) (230 ) — (655 ) Ending balance $ 19,846 $ 1,436 $ 33,803 $ 16,507 $ 2,833 $ 2,190 $ 3,934 $ 3,671 $ 84,220 For the Nine Months Ended September 30, 2016 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 $ 20,716 $ 4,195 $ 27,131 $ 13,856 $ 3,645 $ 4,732 $ 902 $ 2,831 $ 78,008 Provision for loan losses (788 ) (2,759 ) 5,404 1,519 (284 ) (3,468 ) 3,536 840 4,000 Recoveries 98 — 1,268 1,775 39 1,052 529 — 4,761 Charge-offs (180 ) — — (643 ) (567 ) (126 ) (1,033 ) — (2,549 ) Ending balance $ 19,846 $ 1,436 $ 33,803 $ 16,507 $ 2,833 $ 2,190 $ 3,934 $ 3,671 $ 84,220 September 30, 2016 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 $ 832 $ 65 $ 396 $ 54 $ — $ 456 $ 6 $ — $ 1,809 Collectively evaluated for impairment 19,014 1,371 33,374 16,453 2,833 1,734 3,928 3,671 82,378 Purchased credit-impaired loans — — 33 — — — — — 33 Total allowance for loan losses $ 19,846 $ 1,436 $ 33,803 $ 16,507 $ 2,833 $ 2,190 $ 3,934 $ 3,671 $ 84,220 Loan balances: Individually evaluated for impairment $ 16,630 $ 351 $ 4,137 $ 2,026 $ 2,758 $ 8,270 $ 315 $ — $ 34,487 Collectively evaluated for impairment 3,214,042 266,274 789,037 1,181,558 379,710 838,328 656,527 — 7,325,476 Purchased credit-impaired loans 28,544 258 4,153 4,264 807 301 347 — 38,674 Total loans $ 3,259,216 $ 266,883 $ 797,327 $ 1,187,848 $ 383,275 $ 846,899 $ 657,189 $ — $ 7,398,637 For the Three 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 $ 18,948 $ 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 Purchased credit-impaired loans — — — — — — — — — 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 |
