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Allowance for Credit Losses and Unfunded Commitments and Letters of Credit | 12 Months Ended
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Dec. 31, 2020
Allowance For Credit Losses And Unfunded Loan Commitments And Letters Of Credit |
Allowance For Credit Losses And Allowance for Unfunded Commitments And Letters Of Credit Text Block [Text Block] | Allowance for Credit Losses and Allowance for Unfunded Commitments and Letters of Credit The ACL is determined through quarterly assessments of expected credit losses within the loan portfolio and is deducted from the loan’s amortized cost basis to present the net amount of loans expected to be collected. We estimate the ACL using relevant and reliable available information, which is derived from both internal and external sources, relating to past events, current conditions, and reasonable and supportable forecasts. Additions to and recaptures from the ACL are charged to current period earnings through the provision for credit losses. Loan amounts that are determined to be uncollectible are charged directly against the ACL and netted against amounts recovered on previously charged-off loans. For the purpose of calculating portfolio level reserves, we have segmented our loan portfolio into two portfolio segments (Commercial and Consumer). The Commercial and Consumer portfolio segments are then further broken down into loan classes by risk characteristics. The risk characteristics include regulatory call codes, type of industry and collateral type. The ACL is comprised of reserves measured on a collective (pool) basis using a quantitative DCF model for all loan classes with similar risk characteristics and then qualitatively adjusted for large loan concentrations, trends in problem loans, policy exemptions granted and other factors. The quantitative DCF model utilizes anticipated period cash flows determined on a loan-level basis. The anticipated cash flows take into account contractual principal and interest payments, anticipated segment level prepayments, probability of defaults and historical loss given defaults. The majority of our loan classes utilize regression models to calculate probability of defaults, in which macroeconomic factors are correlated to historical quarterly defaults. The Commercial segment two-factor models utilize a mix of seven macroeconomic factors, including the four most commonly used factors: Real GDP, National Unemployment Rate, Home Price Index and Commercial Real Estate Index. The three additional factors are Nominal GDP, Producer Price Index and Core Consumer Price Index. The Consumer segment two-factor models utilize a mix of three macroeconomic factors: National Unemployment Rate, Home Price Index and Prime Rate. The Company utilizes an 18 month reasonable and supportable forecast for the macroeconomic factors, after which they revert to their historical mean using a straight-line basis constructed on their absolute historical quarterly change. Loans are individually measured for credit losses if they do not share similar risk characteristics of other loans within their respective pools. Individually measured loans are primarily nonaccrual and collateral dependent with balances equal to or greater than $500,000 and for which the borrower is experiencing financial difficulty such that full satisfaction of the contractual terms of the loan are in question. Commercial real estate loans are secured by commercial real estate, including owner occupied and non-owner occupied commercial real estate, as well as multifamily residential real estate. Commercial business loans are primarily secured by non-real estate collateral, including equipment and other non-real estate fixed assets, inventory, receivables, and cash. Agricultural loans are secured by farmland and other agricultural real estate, as well as equipment, inventory, such as crops and livestock, non-real estate fixed assets, and cash. Construction loans are secured by one-to-four family residential real estate and commercial real estate in varying stages of development. One-to-four family residential real estate loans are secured by one-to-four family residential properties. Other consumer loans are secured by personal property. For collateral dependent loans, the Company calculates the allowance as the difference between the amortized cost of the loan and the fair market value of the collateral. The fair market value of the collateral is determined by either the discounted expected future cash flows from the operation of the collateral or the appraised value of the collateral, less costs to sell. If the fair value of the collateral is greater than the amortized cost of the loan, no reserve is recorded. The Company also records an allowance for credit losses on unfunded loan commitments and letters of credit. We estimate expected credit losses on unfunded commitments in which we are exposed to credit risk, unless we have the option to unconditionally cancel the obligation. Expected credit losses are calculated based on the likelihood that funding will occur and an estimate of what will be funded by analyzing the most recent four-quarter utilization rates, current utilization, and our quantitative ACL rate. The allowance for unfunded commitments and letters of credit is included in “Other Liabilities” on the Consolidated Balance Sheets, with changes to the balance being charged to noninterest expense. We do not measure an allowance for credit losses on accrued interest receivable balances because these balances are written-off in a timely manner as a reduction to interest income when loans are placed on nonaccrual status. The following tables show a detailed analysis of the ACL for the years ended December 31, 2020, 2019 and 2018:
|  | Beginning Balance |  | Impact of Adopting ASC 326 |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance
Year Ended December 31, 2020 |  | (in thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 20,340 |  |  | $ | 7,533 |  |  | $ | (1,419) |  |  | $ | 131 |  |  | $ | 42,349 |  |  | $ | 68,934 |
Commercial business |  | 30,292 |  |  | 762 |  |  | (12,396) |  |  | 3,438 |  |  | 23,154 |  |  | 45,250 |
Agriculture |  | 15,835 |  |  | (9,325) |  |  | (6,427) |  |  | 172 |  |  | 8,797 |  |  | 9,052 |
Construction |  | 8,571 |  |  | (1,750) |  |  | — |  |  | 709 |  |  | 106 |  |  | 7,636 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate |  | 7,435 |  |  | 4,237 |  |  | (84) |  |  | 2,083 |  |  | 3,204 |  |  | 16,875 |
Other consumer |  | 883 |  |  | 778 |  |  | (766) |  |  | 399 |  |  | 99 |  |  | 1,393 |
Unallocated |  | 612 |  |  | (603) |  |  | — |  |  | — |  |  | (9) |  |  | — |
Total |  | $ | 83,968 |  |  | $ | 1,632 |  |  | $ | (21,092) |  |  | $ | 6,932 |  |  | $ | 77,700 |  |  | $ | 149,140 |
|  |  |  |  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance
Year Ended December 31, 2019 |  |  |  |  | (in thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  | $ | 14,864 |  |  | $ | (2,160) |  |  | $ | 3,377 |  |  | $ | 4,259 |  |  | $ | 20,340 |
Commercial business |  |  |  |  | 34,658 |  |  | (11,290) |  |  | 3,066 |  |  | 3,858 |  |  | 30,292 |
Agriculture |  |  |  |  | 9,589 |  |  | (245) |  |  | 299 |  |  | 6,192 |  |  | 15,835 |
Construction |  |  |  |  | 14,395 |  |  | (242) |  |  | 3,641 |  |  | (9,223) |  |  | 8,571 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate |  |  |  |  | 8,024 |  |  | (1,196) |  |  | 1,773 |  |  | (1,166) |  |  | 7,435 |
Other consumer |  |  |  |  | 786 |  |  | (82) |  |  | 165 |  |  | 14 |  |  | 883 |
Unallocated |  |  |  |  | 1,053 |  |  | — |  |  | — |  |  | (441) |  |  | 612 |
Total |  |  |  |  | $ | 83,369 |  |  | $ | (15,215) |  |  | $ | 12,321 |  |  | $ | 3,493 |  |  | $ | 83,968 |
|  |  |  |  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provision (Recapture) |  | Ending Balance
Year Ended December 31, 2018 |  |  |  |  | (in thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  | $ | 16,260 |  |  | $ | (3,840) |  |  | $ | 3,186 |  |  | $ | (742) |  |  | $ | 14,864 |
Commercial business |  |  |  |  | 25,101 |  |  | (7,437) |  |  | 2,829 |  |  | 14,165 |  |  | 34,658 |
Agriculture |  |  |  |  | 9,662 |  |  | (5,507) |  |  | 1,104 |  |  | 4,330 |  |  | 9,589 |
Construction |  |  |  |  | 15,092 |  |  | (124) |  |  | 1,686 |  |  | (2,259) |  |  | 14,395 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate |  |  |  |  | 8,904 |  |  | (1,451) |  |  | 2,516 |  |  | (1,945) |  |  | 8,024 |
Other consumer |  |  |  |  | 627 |  |  | (196) |  |  | 188 |  |  | 167 |  |  | 786 |
Unallocated |  |  |  |  | — |  |  | — |  |  | — |  |  | 1,053 |  |  | 1,053 |
Total |  |  |  |  | $ | 75,646 |  |  | $ | (18,555) |  |  | $ | 11,509 |  |  | $ | 14,769 |  |  | $ | 83,369 |
The $63.5 million increase in the ACL at December 31, 2020 compared to the ACL at January 1, 2020 was primarily due to the COVID-19 pandemic and its impact on the economic forecast. Specifically regarding the forecast used in the December 31, 2020 ACL estimate, management expects the forecasted national unemployment rate to be above the pre-pandemic levels through the forecast period due to persistent lock downs and slow rollout of the vaccine. Additionally, the commercial real estate index decline during the year is expected to continue into 2021, the home price index is projected to moderate over the forecast period and Real GDP is projected to rise above average during the latter half of 2021 through the remainder of the forecast period. The models used for calculating the ACL are sensitive to changes in these and other economic factors, which could result in volatility as these assumptions change over time. The ACL at December 31, 2020 does not include a reserve for the PPP loans as these loans are fully guaranteed by the SBA. Changes in the allowance for unfunded commitments and letters of credit, a component of “Other liabilities” in the Consolidated Balance Sheets, are summarized as follows:
|  | Years Ended December 31,
|  | 2020 |  | 2019 |  | 2018
|  | (in thousands)
Beginning balance |  | $ | 3,430 |  |  | $ | 4,330 |  |  | $ | 3,130 |
Impact of Adopting ASC 326 |  | 1,570 |  |  | — |  |  | — |
Net changes in the allowance for unfunded commitments and letters of credit |  | 3,300 |  |  | (900) |  |  | 1,200 |
Ending balance |  | $ | 8,300 |  |  | $ | 3,430 |  |  | $ | 4,330 |
Credit Quality Indicators The extension of credit in the form of loans or other credit products to consumer and commercial clients is one of our principal business activities. Our policies and applicable laws and regulations require risk analysis as well as ongoing portfolio and credit management. We manage our credit risk through lending limit constraints, credit review, approval policies and extensive, ongoing internal monitoring. We also manage credit risk through diversification of the loan portfolio by type of loan, type of industry and type of borrower and by limiting the aggregation of debt to a single borrower. We evaluate the credit quality of our loan portfolio using regulatory risk ratings, which are based on relevant information about the borrower’s financial condition, including current financial condition, historical payment experience, credit documentation and current economic trends. Risk ratings are reviewed and updated whenever appropriate, with more periodic reviews as the risk and dollar value of the loss on the loan increases. All loans risk rated special mention or worse with amortized costs exceeding $100,000 are reviewed at least quarterly with more frequent review for specific loans. Pass rated loans are generally considered to have sufficient sources of repayment in order to repay the loan in full in accordance with all terms and conditions. Special Mention rated loans have potential weaknesses that, if left uncorrected, may result in deterioration of the repayment prospects for the asset or in the Company’s credit position at some future date. Loans with a risk rating of Substandard or worse are reviewed to assess the ability of our borrowers to service all interest and principal obligations and, as a result, the risk rating or accrual status may be adjusted accordingly. Loans risk rated as Substandard reflect loans where a loss is possible if loan weaknesses are not corrected. Doubtful rated loans have a high probability of loss; however, the amount of loss has not yet been determined. Loss rated loans are considered uncollectible and when identified, are charged-off. The following is an analysis of the credit quality of our loan portfolio as of December 31, 2020 and 2019:
|  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term Loans Amortized Cost Basis |  |
|  | Term Loans |  |  |
|  | Amortized Cost Basis by Origination Year |  |  |
|  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  |  | Total (1)
December 31, 2020 |  | (in thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 674,444 |  |  | $ | 645,328 |  |  | $ | 478,881 |  |  | $ | 502,112 |  |  | $ | 408,972 |  |  | $ | 946,980 |  |  | $ | 52,049 |  |  | $ | 11,332 |  |  | $ | 3,720,098 |
Special mention |  | 3,348 |  |  | 39,374 |  |  | 21,285 |  |  | 30,232 |  |  | 46,197 |  |  | 50,115 |  |  | 5 |  |  | 2,139 |  |  | 192,695 |
Substandard |  | 2,916 |  |  | 24,860 |  |  | 13,571 |  |  | 15,652 |  |  | 43,735 |  |  | 41,138 |  |  | 3,389 |  |  | 4,259 |  |  | 149,520 |
Total commercial real estate |  | $ | 680,708 |  |  | $ | 709,562 |  |  | $ | 513,737 |  |  | $ | 547,996 |  |  | $ | 498,904 |  |  | $ | 1,038,233 |  |  | $ | 55,443 |  |  | $ | 17,730 |  |  | $ | 4,062,313 |
Commercial business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,087,400 |  |  | $ | 366,435 |  |  | $ | 324,360 |  |  | $ | 199,010 |  |  | $ | 218,313 |  |  | $ | 214,677 |  |  | $ | 1,000,725 |  |  | $ | 11,540 |  |  | $ | 3,422,460 |
Special mention |  | 3,002 |  |  | 26,361 |  |  | 8,471 |  |  | 24,582 |  |  | 7,004 |  |  | 10,650 |  |  | 22,426 |  |  | — |  |  | 102,496 |
Substandard |  | 3,625 |  |  | 7,376 |  |  | 11,061 |  |  | 5,905 |  |  | 6,396 |  |  | 3,743 |  |  | 32,134 |  |  | 2,772 |  |  | 73,012 |
Total commercial business |  | $ | 1,094,027 |  |  | $ | 400,172 |  |  | $ | 343,892 |  |  | $ | 229,497 |  |  | $ | 231,713 |  |  | $ | 229,070 |  |  | $ | 1,055,285 |  |  | $ | 14,312 |  |  | $ | 3,597,968 |
Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 142,163 |  |  | $ | 90,612 |  |  | $ | 44,434 |  |  | $ | 58,366 |  |  | $ | 58,893 |  |  | $ | 59,396 |  |  | $ | 244,135 |  |  | $ | 9,299 |  |  | $ | 707,298 |
Special mention |  | — |  |  | 90 |  |  | 285 |  |  | 33 |  |  | — |  |  | — |  |  | 85 |  |  | 13 |  |  | 506 |
Substandard |  | 5,193 |  |  | 12,480 |  |  | 5,868 |  |  | 4,258 |  |  | 284 |  |  | 3,502 |  |  | 38,780 |  |  | 1,458 |  |  | 71,823 |
Total agriculture |  | $ | 147,356 |  |  | $ | 103,182 |  |  | $ | 50,587 |  |  | $ | 62,657 |  |  | $ | 59,177 |  |  | $ | 62,898 |  |  | $ | 283,000 |  |  | $ | 10,770 |  |  | $ | 779,627 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 134,693 |  |  | $ | 66,974 |  |  | $ | 10,066 |  |  | $ | 3,498 |  |  | $ | 763 |  |  | $ | 1,805 |  |  | $ | 29,323 |  |  | $ | 3,753 |  |  | $ | 250,875 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | 17,732 |  |  | — |  |  | — |  |  | — |  |  | 56 |  |  | — |  |  | — |  |  | 17,788 |
Total construction |  | $ | 134,693 |  |  | $ | 84,706 |  |  | $ | 10,066 |  |  | $ | 3,498 |  |  | $ | 763 |  |  | $ | 1,861 |  |  | $ | 29,323 |  |  | $ | 3,753 |  |  | $ | 268,663 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 161,021 |  |  | $ | 77,756 |  |  | $ | 62,696 |  |  | $ | 29,737 |  |  | $ | 20,889 |  |  | $ | 78,098 |  |  | $ | 243,325 |  |  | $ | 3,655 |  |  | $ | 677,177 |
Special mention |  | — |  |  | — |  |  | 332 |  |  | — |  |  | — |  |  | 195 |  |  | — |  |  | — |  |  | 527 |
Substandard |  | — |  |  | 849 |  |  | 227 |  |  | 1,166 |  |  | 344 |  |  | 1,968 |  |  | 1,005 |  |  | 307 |  |  | 5,866 |
Total one-to-four family residential real estate |  | $ | 161,021 |  |  | $ | 78,605 |  |  | $ | 63,255 |  |  | $ | 30,903 |  |  | $ | 21,233 |  |  | $ | 80,261 |  |  | $ | 244,330 |  |  | $ | 3,962 |  |  | $ | 683,570 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 5,548 |  |  | $ | 3,109 |  |  | $ | 3,886 |  |  | $ | 989 |  |  | $ | 244 |  |  | $ | 1,060 |  |  | $ | 19,911 |  |  | $ | 474 |  |  | $ | 35,221 |
Special mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | 30 |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 170 |  |  | 53 |  |  | 40 |  |  | 298 |
Total consumer |  | $ | 5,578 |  |  | $ | 3,109 |  |  | $ | 3,886 |  |  | $ | 994 |  |  | $ | 244 |  |  | $ | 1,230 |  |  | $ | 19,964 |  |  | $ | 514 |  |  | $ | 35,519 |
Total |  | $ | 2,223,383 |  |  | $ | 1,379,336 |  |  | $ | 985,423 |  |  | $ | 875,545 |  |  | $ | 812,034 |  |  | $ | 1,413,553 |  |  | $ | 1,687,345 |  |  | $ | 51,041 |  |  | $ | 9,427,660 |
Less: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses |  | 149,140 |
Loans, net |  | $ | 9,278,520 |
_________ (1) Loans that are on short-term deferments are treated as Pass loans and will not be reported as past due provided that they are performing in accordance with the modified terms.
|  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term Loans Amortized Cost Basis |  |
|  | Term Loans |  |  |
|  | Amortized Cost Basis by Origination Year |  |  |
|  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | 2015 |  | Prior |  |  | Total
December 31, 2019 |  | (in thousands)
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 699,336 |  |  | $ | 562,992 |  |  | $ | 621,113 |  |  | $ | 565,928 |  |  | $ | 441,220 |  |  | $ | 873,687 |  |  | $ | 52,276 |  |  | $ | 19,986 |  |  | $ | 3,836,538 |
Special mention |  | 1,824 |  |  | 305 |  |  | 7,019 |  |  | 3,360 |  |  | — |  |  | 3,426 |  |  | — |  |  | — |  |  | 15,934 |
Substandard |  | 47 |  |  | 10,698 |  |  | 9,320 |  |  | 36,229 |  |  | 20,278 |  |  | 11,738 |  |  | — |  |  | 5,071 |  |  | 93,381 |
Total commercial real estate |  | $ | 701,207 |  |  | $ | 573,995 |  |  | $ | 637,452 |  |  | $ | 605,517 |  |  | $ | 461,498 |  |  | $ | 888,851 |  |  | $ | 52,276 |  |  | $ | 25,057 |  |  | $ | 3,945,853 |
Commercial business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 479,481 |  |  | $ | 442,222 |  |  | $ | 330,934 |  |  | $ | 301,337 |  |  | $ | 157,436 |  |  | $ | 199,089 |  |  | $ | 963,663 |  |  | $ | 25,577 |  |  | $ | 2,899,739 |
Special mention |  | 2,241 |  |  | 6,673 |  |  | 56 |  |  | 2,006 |  |  | 52 |  |  | 585 |  |  | 12,710 |  |  | — |  |  | 24,323 |
Substandard |  | 85 |  |  | 17,240 |  |  | 3,458 |  |  | 9,534 |  |  | 3,227 |  |  | 3,972 |  |  | 26,639 |  |  | 1,396 |  |  | 65,551 |
Total commercial business |  | $ | 481,807 |  |  | $ | 466,135 |  |  | $ | 334,448 |  |  | $ | 312,877 |  |  | $ | 160,715 |  |  | $ | 203,646 |  |  | $ | 1,003,012 |  |  | $ | 26,973 |  |  | $ | 2,989,613 |
Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 107,152 |  |  | $ | 54,950 |  |  | $ | 70,337 |  |  | $ | 71,874 |  |  | $ | 33,597 |  |  | $ | 56,342 |  |  | $ | 280,984 |  |  | $ | 10,036 |  |  | $ | 685,272 |
Special mention |  | 557 |  |  | 2,535 |  |  | 1,381 |  |  | — |  |  | 64 |  |  | 576 |  |  | 5,336 |  |  | — |  |  | 10,449 |
Substandard |  | 7,291 |  |  | 6,047 |  |  | 6,173 |  |  | 5,907 |  |  | 1,477 |  |  | 5,698 |  |  | 30,669 |  |  | 6,388 |  |  | 69,650 |
Total agriculture |  | $ | 115,000 |  |  | $ | 63,532 |  |  | $ | 77,891 |  |  | $ | 77,781 |  |  | $ | 35,138 |  |  | $ | 62,616 |  |  | $ | 316,989 |  |  | $ | 16,424 |  |  | $ | 765,371 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 183,525 |  |  | $ | 91,342 |  |  | $ | 40,514 |  |  | $ | 1,067 |  |  | $ | 939 |  |  | $ | 1,601 |  |  | $ | 33,388 |  |  | $ | 7,793 |  |  | $ | 360,169 |
Special mention |  | — |  |  | 1,264 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 41 |  |  | — |  |  | 1,305 |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 59 |  |  | — |  |  | — |  |  | 59 |
Total construction |  | $ | 183,525 |  |  | $ | 92,606 |  |  | $ | 40,514 |  |  | $ | 1,067 |  |  | $ | 939 |  |  | $ | 1,660 |  |  | $ | 33,429 |  |  | $ | 7,793 |  |  | $ | 361,533 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
One-to-four family residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 103,315 |  |  | $ | 77,877 |  |  | $ | 32,440 |  |  | $ | 25,052 |  |  | $ | 27,294 |  |  | $ | 80,370 |  |  | $ | 283,830 |  |  | $ | 554 |  |  | $ | 630,732 |
Substandard |  | — |  |  | 228 |  |  | 800 |  |  | 400 |  |  | 623 |  |  | 3,156 |  |  | 905 |  |  | 481 |  |  | 6,593 |
Total one-to-four family residential real estate |  | $ | 103,315 |  |  | $ | 78,105 |  |  | $ | 33,240 |  |  | $ | 25,452 |  |  | $ | 27,917 |  |  | $ | 83,526 |  |  | $ | 284,735 |  |  | $ | 1,035 |  |  | $ | 637,325 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 9,276 |  |  | $ | 5,713 |  |  | $ | 1,974 |  |  | $ | 758 |  |  | $ | 848 |  |  | $ | 1,306 |  |  | $ | 23,351 |  |  | $ | 508 |  |  | $ | 43,734 |
Substandard |  | — |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 8 |  |  | 27 |  |  | — |  |  | 36 |
Total consumer |  | $ | 9,276 |  |  | $ | 5,713 |  |  | $ | 1,975 |  |  | $ | 758 |  |  | $ | 848 |  |  | $ | 1,314 |  |  | $ | 23,378 |  |  | $ | 508 |  |  | $ | 43,770 |
Total |  | $ | 1,594,130 |  |  | $ | 1,280,086 |  |  | $ | 1,125,520 |  |  | $ | 1,023,452 |  |  | $ | 687,055 |  |  | $ | 1,241,613 |  |  | $ | 1,713,819 |  |  | $ | 77,790 |  |  | $ | 8,743,465 |
Less: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses |  | 83,968 |
Loans, net |  | $ | 8,659,497 |

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