LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES | LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES Loans receivable at June 30, 2019 and December 31, 2018 are summarized as follows (dollars in thousands): June 30, 2019 December 31, 2018 Amount Percent of Total Amount Percent of Total Commercial real estate: Owner-occupied $ 1,433,995 16.4 % $ 1,430,097 16.4 % Investment properties 2,116,306 24.2 2,131,059 24.5 Multifamily real estate 402,241 4.6 368,836 4.2 Commercial construction 172,931 2.0 172,410 2.0 Multifamily construction 189,160 2.2 184,630 2.1 One- to four-family construction 503,061 5.7 534,678 6.2 Land and land development: Residential 187,180 2.1 188,508 2.2 Commercial 27,470 0.3 27,278 0.3 Commercial business 1,598,788 18.3 1,483,614 17.1 Agricultural business, including secured by farmland 380,805 4.3 404,873 4.7 One- to four-family residential 944,617 10.8 973,616 11.2 Consumer: Consumer secured by one- to four-family 575,658 6.6 568,979 6.6 Consumer—other 214,338 2.5 216,017 2.5 Total loans 8,746,550 100.0 % 8,684,595 100.0 % Less allowance for loan losses (98,254 ) (96,485 ) Net loans $ 8,648,296 $ 8,588,110 Loan amounts are net of unearned loan fees in excess of unamortized costs of $847,000 as of June 30, 2019 and $1.4 million as of December 31, 2018 . Net loans include net discounts on acquired loans of $22.6 million and $25.7 million as of June 30, 2019 and December 31, 2018 , 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 (PCI) 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 PCI loans, excluding acquisition accounting adjustments, was $20.2 million at June 30, 2019 and $22.0 million at December 31, 2018 . The carrying balance of PCI loans was $12.9 million at June 30, 2019 and $14.4 million at December 31, 2018 . The following table presents the changes in the accretable yield for PCI loans for the three and six months ended June 30, 2019 and 2018 (in thousands): Three Months Ended Six Months Ended 2019 2018 2019 2018 Balance, beginning of period $ 4,778 $ 6,288 $ 5,216 $ 6,520 Accretion to interest income (456 ) (734 ) (949 ) (1,831 ) Disposals — — — 58 Reclassifications from non-accretable difference 421 555 476 1,362 Balance, end of period $ 4,743 $ 6,109 $ 4,743 $ 6,109 As of June 30, 2019 and December 31, 2018 , the non-accretable difference between the contractually required payments and cash flows expected to be collected was $6.2 million and $7.1 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 restructurings (TDRs) that are performing under their restructured terms, and loans that are 90 days or more past due, but are still on accrual. PCI 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 June 30, 2019 and December 31, 2018 . Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands): June 30, 2019 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 3,171 $ 2,792 $ 200 $ 20 Investment properties 2,961 1,612 699 44 Multifamily construction 1,079 605 — — One- to four-family construction 1,181 1,181 — — Land and land development: Residential 1,026 690 — — Commercial business 4,393 2,984 550 21 Agricultural business/farmland 3,903 1,359 2,320 147 One- to four-family residential 6,513 4,188 2,307 58 Consumer: Consumer secured by one- to four-family 3,269 2,983 130 5 Consumer—other 430 344 59 2 $ 27,926 $ 18,738 $ 6,265 $ 297 December 31, 2018 Unpaid Principal Balance Recorded Investment Related Allowance Without Allowance (1) With Allowance (2) Commercial real estate: Owner-occupied $ 3,193 $ 2,768 $ 200 $ 19 Investment properties 7,287 1,320 5,606 226 Multifamily real estate 1,901 1,427 — — One- to four-family construction 919 919 — — Land and land development: Residential 1,134 798 — — Commercial 44 44 — — Commercial business 4,014 2,937 391 16 Agricultural business/farmland 4,863 1,751 2,561 96 One- to four-family residential 6,724 4,314 2,358 51 Consumer: Consumer secured by one- to four-family 1,622 1,438 133 6 Consumer—other 112 49 62 2 $ 31,813 $ 17,765 $ 11,311 $ 416 (1) Includes loans without an allowance reserve that have been individually evaluated for impairment and that evaluation concluded that no reserve was needed, and $10.3 million and $9.0 million , respectively, of homogenous and small balance loans as of June 30, 2019 and December 31, 2018 , that are collectively evaluated for impairment for which a general reserve has been established. (2) 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 six months ended June 30, 2019 and 2018 (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 $ 3,072 $ 2 $ 3,544 $ 2 Investment properties 3,283 22 7,561 75 Commercial construction 1,153 — — — One- to four-family construction 1,006 1 314 — Land and land development: Residential 690 — 1,582 10 Commercial business 3,762 6 3,206 5 Agricultural business/farmland 4,590 29 4,357 23 One- to four-family residential 6,449 57 8,226 59 Consumer: Consumer secured by one- to four-family 3,129 3 1,360 3 Consumer—other 372 1 141 1 $ 27,506 $ 121 $ 30,291 $ 178 Six Months Ended Six Months Ended Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Commercial real estate: Owner-occupied $ 3,261 $ 4 $ 4,464 $ 5 Investment properties 5,255 98 8,767 158 Commercial construction 1,290 — — — One- to four-family construction 963 1 459 4 Land and land development: Residential 708 — 1,190 10 Commercial business 3,782 11 3,606 12 Agricultural business/farmland 4,854 56 6,733 56 One- to four-family residential 6,448 122 8,559 160 Consumer: Consumer secured by one- to four-family 2,596 8 1,375 5 Consumer—other 345 2 145 2 $ 29,502 $ 302 $ 35,298 $ 412 Troubled Debt Restructurings. 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 table presents TDRs by accrual and nonaccrual status at June 30, 2019 and December 31, 2018 (in thousands): June 30, 2019 December 31, 2018 Accrual Status Nonaccrual Status Total TDRs Accrual Nonaccrual Total Commercial real estate: Owner-occupied $ — $ 273 $ 273 $ 200 $ 78 $ 278 Investment properties 699 1,077 1,776 5,606 — 5,606 Commercial business 550 — 550 391 — 391 Agricultural business, including secured by farmland 2,320 — 2,320 2,561 — 2,561 One- to four-family residential 2,836 202 3,038 4,469 239 4,708 Consumer: Consumer secured by one- to four-family 130 — 130 133 — 133 Consumer—other 59 — 59 62 — 62 $ 6,594 $ 1,552 $ 8,146 $ 13,422 $ 317 $ 13,739 As of June 30, 2019 and December 31, 2018 , the Company had commitments to advance additional funds related to TDRs up to $49,000 and none , respectively. The following table presents new TDRs that occurred during the three and six months ended June 30, 2019 . No new TDRs occurred during the three and six months ended June 30, 2018 (dollars in thousands): Three months ended June 30, 2019 Six months ended June 30, 2019 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 Commercial real estate Investment properties — $ — $ — 1 $ 1,090 $ 1,090 Commercial business 1 160 160 1 160 160 Agricultural business/farmland 1 596 596 1 596 596 Total 2 $ 756 $ 756 3 $ 1,846 $ 1,846 There were no TDRs which incurred a payment default within twelve months of the restructure date during the three and six -month periods ended June 30, 2019 and 2018 . 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 six months ended June 30, 2019 . 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 tables present the Company’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristics as of June 30, 2019 and December 31, 2018 (in thousands): June 30, 2019 By class: Pass (Risk Ratings 1-5) (1) Special Mention Substandard Doubtful Loss Total Loans Commercial real estate: Owner-occupied $ 1,409,358 $ 7,880 $ 16,757 $ — $ — $ 1,433,995 Investment properties 2,107,989 — 8,317 — — 2,116,306 Multifamily real estate 401,810 — 431 — — 402,241 Commercial construction 160,616 — 12,315 — — 172,931 Multifamily construction 189,160 — — — — 189,160 One- to four-family construction 502,142 — 919 — — 503,061 Land and land development: Residential 186,490 — 690 — — 187,180 Commercial 27,434 — 36 — — 27,470 Commercial business 1,549,519 21,832 27,359 78 — 1,598,788 Agricultural business, including secured by farmland 368,172 7,109 5,524 — — 380,805 One- to four-family residential 940,607 434 3,576 — — 944,617 Consumer: Consumer secured by one- to four-family 571,458 — 4,200 — — 575,658 Consumer—other 213,777 6 555 — — 214,338 Total $ 8,628,532 $ 37,261 $ 80,679 $ 78 $ — $ 8,746,550 December 31, 2018 By class: Pass (Risk Ratings 1-5) (1) Special Mention Substandard Doubtful Loss Total Loans Commercial real estate: Owner-occupied $ 1,396,721 $ 6,963 $ 26,413 $ — $ — $ 1,430,097 Investment properties 2,122,621 — 8,438 — — 2,131,059 Multifamily real estate 368,262 — 574 — — 368,836 Commercial construction 159,167 11,816 1,427 — — 172,410 Multifamily construction 184,630 — — — — 184,630 One- to four-family construction 533,759 — 919 — — 534,678 Land and land development: Residential 187,710 — 798 — — 188,508 Commercial 27,200 — 78 — — 27,278 Commercial business 1,436,733 7,661 39,133 87 — 1,483,614 Agricultural business, including secured by farmland 392,318 4,214 8,341 — — 404,873 One- to four-family residential 969,011 499 4,106 — — 973,616 Consumer: Consumer secured by one- to four-family 564,001 — 4,978 — — 568,979 Consumer—other 215,706 9 302 — — 216,017 Total $ 8,557,839 $ 31,162 $ 95,507 $ 87 $ — $ 8,684,595 (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 June 30, 2019 and December 31, 2018 , in the commercial business category, $744.8 million and $590.9 million , respectively, of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated. The following tables provide additional detail on the age analysis of the Company’s past due loans as of June 30, 2019 and December 31, 2018 (in thousands): June 30, 2019 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 $ 1,024 $ 146 $ 2,474 $ 3,644 $ 8,413 $ 1,421,938 $ 1,433,995 $ — $ 2,991 Investment properties 148 — 1,612 1,760 3,301 2,111,245 2,116,306 — 1,612 Multifamily real estate 91 — — 91 6 402,144 402,241 — — Commercial construction — — 605 605 — 172,326 172,931 — 605 Multifamily construction — — — — — 189,160 189,160 — — One-to-four-family construction — 2,454 1,181 3,635 — 499,426 503,061 262 919 Land and land development: Residential — — 690 690 — 186,490 187,180 — 690 Commercial — — — — — 27,470 27,470 — — Commercial business 8,982 895 2,211 12,088 526 1,586,174 1,598,788 1 2,983 Agricultural business, including secured by farmland 131 30 1,359 1,520 414 378,871 380,805 — 1,359 One- to four-family residential 826 1,496 3,219 5,541 87 938,989 944,617 995 2,665 Consumer: Consumer secured by one- to four-family 1,324 346 2,233 3,903 113 571,642 575,658 66 2,917 Consumer—other 558 129 255 942 85 213,311 214,338 31 313 Total $ 13,084 $ 5,496 $ 15,839 $ 34,419 $ 12,945 $ 8,699,186 $ 8,746,550 $ 1,355 $ 17,054 December 31, 2018 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 $ 785 $ 519 $ 2,223 $ 3,527 $ 8,531 $ 1,418,039 $ 1,430,097 $ — $ 2,768 Investment properties 91 498 934 1,523 3,462 2,126,074 2,131,059 — 1,320 Multifamily real estate 317 — — 317 138 368,381 368,836 — — Commercial construction — — 1,427 1,427 — 170,983 172,410 — 1,427 Multifamily construction — — — — — 184,630 184,630 — — One-to-four-family construction 4,781 1,078 919 6,778 137 527,763 534,678 — 919 Land and land development: Residential 450 — 798 1,248 — 187,260 188,508 — 798 Commercial 34 — 44 78 — 27,200 27,278 — 44 Commercial business 3,982 1,305 1,756 7,043 1,028 1,475,543 1,483,614 1 2,936 Agricultural business, including secured by farmland 343 1,518 1,601 3,462 493 400,918 404,873 — 1,751 One-to four-family residential 5,440 1,790 1,657 8,887 101 964,628 973,616 658 1,544 Consumer: Consumer secured by one- to four-family 1,136 765 706 2,607 432 565,940 568,979 238 1,201 Consumer—other 911 385 9 1,305 91 214,621 216,017 9 40 Total $ 18,270 $ 7,858 $ 12,074 $ 38,202 $ 14,413 $ 8,631,980 $ 8,684,595 $ 906 $ 14,748 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 six months ended June 30, 2019 and 2018 (in thousands): For the Three Months Ended June 30, 2019 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 $ 27,091 $ 4,020 $ 23,713 $ 18,662 $ 3,596 $ 4,711 $ 7,980 $ 7,535 $ 97,308 Provision for loan losses (117 ) 324 (189 ) 1,482 222 (240 ) 828 (310 ) 2,000 Recoveries 149 — 30 215 35 230 223 — 882 Charge-offs (393 ) — — (802 ) (162 ) — (579 ) — (1,936 ) Ending balance $ 26,730 $ 4,344 $ 23,554 $ 19,557 $ 3,691 $ 4,701 $ 8,452 $ 7,225 $ 98,254 For the Six Months Ended June 30, 2019 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 $ 27,132 $ 3,818 $ 24,442 $ 19,438 $ 3,778 $ 4,714 $ 7,972 $ 5,191 $ 96,485 Provision for loan losses 252 526 (940 ) 1,273 44 (286 ) 1,097 2,034 4,000 Recoveries 170 — 52 238 35 273 333 — 1,101 Charge-offs (824 ) — — (1,392 ) (166 ) — (950 ) — (3,332 ) Ending balance $ 26,730 $ 4,344 $ 23,554 $ 19,557 $ 3,691 $ 4,701 $ 8,452 $ 7,225 $ 98,254 June 30, 2019 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 $ 64 $ — $ — $ 21 $ 147 $ 58 $ 7 $ — $ 297 Collectively evaluated for impairment 26,666 4,344 23,554 19,513 3,487 4,643 8,445 7,225 97,877 Purchased credit-impaired loans — — — 23 57 — — — 80 Total allowance for loan losses $ 26,730 $ 4,344 $ 23,554 $ 19,557 $ 3,691 $ 4,701 $ 8,452 $ 7,225 $ 98,254 Loan balances: Individually evaluated for impairment $ 4,352 $ — $ 2,166 $ 550 $ 3,058 $ 3,582 $ 964 $ — $ 14,672 Collectively evaluated for impairment 3,534,235 402,235 1,077,636 1,597,712 377,333 940,948 788,834 — 8,718,933 Purchased credit-impaired loans 11,714 6 — 526 414 87 198 — 12,945 Total loans $ 3,550,301 $ 402,241 $ 1,079,802 $ 1,598,788 $ 380,805 $ 944,617 $ 789,996 $ — $ 8,746,550 For the Three Months Ended June 30, 2018 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 $ 23,461 $ 2,592 $ 28,766 $ 19,885 $ 2,999 $ 3,779 $ 5,514 $ 5,211 $ 92,207 Provision for loan losses 1,035 1,126 (1,743 ) (469 ) 451 (203 ) 264 1,539 2,000 Recoveries 216 — 11 100 41 356 106 — 830 Charge-offs (299 ) — — (375 ) (329 ) — (159 ) — (1,162 ) Ending balance $ 24,413 $ 3,718 $ 27,034 $ 19,141 $ 3,162 $ 3,932 $ 5,725 $ 6,750 $ 93,875 For the Six Months Ended June 30, 2018 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 $ 22,824 $ 1,633 $ 27,568 $ 18,311 $ 4,053 $ 2,055 $ 3,866 $ 8,718 $ 89,028 Provision for loan losses 320 2,085 (719 ) 1,454 (596 ) 1,247 2,177 (1,968 ) 4,000 Recoveries 1,568 — 185 270 41 646 218 — 2,928 Charge-offs (299 ) — — (894 ) (336 ) (16 ) (536 ) — (2,081 ) Ending balance $ 24,413 $ 3,718 $ 27,034 $ 19,141 $ 3,162 $ 3,932 $ 5,725 $ 6,750 $ 93,875 June 30, 2018 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 $ 278 $ — $ — $ 13 $ 59 $ 108 $ 10 $ — $ 468 Collectively evaluated for impairment 24,135 3,718 27,034 19,095 3,043 3,824 5,715 6,750 93,314 Purchased credit-impaired loans — — — 33 60 — — — 93 Total allowance for loan losses $ 24,413 $ 3,718 $ 27,034 $ 19,141 $ 3,162 $ 3,932 $ 5,725 $ 6,750 $ 93,875 Loan balances: Individually evaluated for impairment $ 8,998 $ — $ 750 $ 369 $ 3,298 $ 4,789 $ 205 $ — $ 18,409 Collectively evaluated for impairment 3,155,917 330,220 976,435 1,310,601 333,015 835,560 706,512 — 7,648,260 Purchased credit impaired loans 12,605 164 3,255 1,454 396 121 68 — 18,063 Total loans $ 3,177,520 $ 330,384 $ 980,440 $ 1,312,424 $ 336,709 $ 840,470 $ 706,785 $ — $ 7,684,732 |