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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2021
Receivables [Abstract] |
Loan Portfolio | The various categories of loans are summarized as follows:
| June 30, |  | December 31,
(In thousands) | 2021 |  | 2020
Consumer: |  |  |
Credit cards | $ | 177,634 |  |  | $ | 188,845 |
Other consumer | 181,712 |  |  | 202,379 |
Total consumer | 359,346 |  |  | 391,224 |
Real Estate: |  |  |
Construction and development | 1,428,165 |  |  | 1,596,255 |
Single family residential | 1,608,028 |  |  | 1,880,673 |
Other commercial | 5,332,655 |  |  | 5,746,863 |
Total real estate | 8,368,848 |  |  | 9,223,791 |
Commercial: |  |  |
Commercial | 2,074,729 |  |  | 2,574,386 |
Agricultural | 193,462 |  |  | 175,905 |
Total commercial | 2,268,191 |  |  | 2,750,291 |
Other | 389,967 |  |  | 535,591 |
Total loans | $ | 11,386,352 |  |  | $ | 12,900,897 |
Nonaccrual Loans | The amortized cost basis of nonaccrual loans segregated by category of loans are as follows:
| June 30, |  | December 31,
(In thousands) | 2021 |  | 2020
Consumer: |  |  |
Credit cards | $ | 282 |  |  | $ | 301 |
Other consumer | 594 |  |  | 1,219 |
Total consumer | 876 |  |  | 1,520 |
Real estate: |  |  |
Construction and development | 1,737 |  |  | 3,625 |
Single family residential | 29,553 |  |  | 28,062 |
Other commercial | 19,018 |  |  | 24,155 |
Total real estate | 50,308 |  |  | 55,842 |
Commercial: |  |  |
Commercial | 28,649 |  |  | 65,244 |
Agricultural | 449 |  |  | 273 |
Total commercial | 29,098 |  |  | 65,517 |
Total | $ | 80,282 |  |  | $ | 122,879 |
Past Due Loans | An age analysis of the amortized cost basis of past due loans, including nonaccrual loans, segregated by class of loans is as follows:
(In thousands) | Gross 30-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total Loans |  | 90 Days Past Due & Accruing
June 30, 2021 |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Credit cards | $ | 644 |  |  | $ | 273 |  |  | $ | 917 |  |  | $ | 176,717 |  |  | $ | 177,634 |  |  | $ | 132 |
Other consumer | 944 |  |  | 121 |  |  | 1,065 |  |  | 180,647 |  |  | 181,712 |  |  | — |
Total consumer | 1,588 |  |  | 394 |  |  | 1,982 |  |  | 357,364 |  |  | 359,346 |  |  | 132 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Construction and development | 4,360 |  |  | 1,595 |  |  | 5,955 |  |  | 1,422,210 |  |  | 1,428,165 |  |  | — |
Single family residential | 6,883 |  |  | 8,061 |  |  | 14,944 |  |  | 1,593,084 |  |  | 1,608,028 |  |  | — |
Other commercial | 11,846 |  |  | 15,242 |  |  | 27,088 |  |  | 5,305,567 |  |  | 5,332,655 |  |  | 127 |
Total real estate | 23,089 |  |  | 24,898 |  |  | 47,987 |  |  | 8,320,861 |  |  | 8,368,848 |  |  | 127 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 18,162 |  |  | 9,167 |  |  | 27,329 |  |  | 2,047,400 |  |  | 2,074,729 |  |  | 394 |
Agricultural | 105 |  |  | 353 |  |  | 458 |  |  | 193,004 |  |  | 193,462 |  |  | — |
Total commercial | 18,267 |  |  | 9,520 |  |  | 27,787 |  |  | 2,240,404 |  |  | 2,268,191 |  |  | 394 |
Other | — |  |  | — |  |  | — |  |  | 389,967 |  |  | 389,967 |  |  | — |
Total | $ | 42,944 |  |  | $ | 34,812 |  |  | $ | 77,756 |  |  | $ | 11,308,596 |  |  | $ | 11,386,352 |  |  | $ | 653 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |
Credit cards | $ | 708 |  |  | $ | 256 |  |  | $ | 964 |  |  | $ | 187,881 |  |  | $ | 188,845 |  |  | $ | 256 |
Other consumer | 2,771 |  |  | 302 |  |  | 3,073 |  |  | 199,306 |  |  | 202,379 |  |  | 13 |
Total consumer | 3,479 |  |  | 558 |  |  | 4,037 |  |  | 387,187 |  |  | 391,224 |  |  | 269 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Construction and development | 1,375 |  |  | 3,089 |  |  | 4,464 |  |  | 1,591,791 |  |  | 1,596,255 |  |  | — |
Single family residential | 23,726 |  |  | 14,339 |  |  | 38,065 |  |  | 1,842,608 |  |  | 1,880,673 |  |  | 253 |
Other commercial | 2,660 |  |  | 9,586 |  |  | 12,246 |  |  | 5,734,617 |  |  | 5,746,863 |  |  | — |
Total real estate | 27,761 |  |  | 27,014 |  |  | 54,775 |  |  | 9,169,016 |  |  | 9,223,791 |  |  | 253 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 7,514 |  |  | 7,429 |  |  | 14,943 |  |  | 2,559,443 |  |  | 2,574,386 |  |  | 56 |
Agricultural | 226 |  |  | 187 |  |  | 413 |  |  | 175,492 |  |  | 175,905 |  |  | — |
Total commercial | 7,740 |  |  | 7,616 |  |  | 15,356 |  |  | 2,734,935 |  |  | 2,750,291 |  |  | 56 |
Other | 92 |  |  | — |  |  | 92 |  |  | 535,499 |  |  | 535,591 |  |  | — |
Total | $ | 39,072 |  |  | $ | 35,188 |  |  | $ | 74,260 |  |  | $ | 12,826,637 |  |  | $ | 12,900,897 |  |  | $ | 578 |
Troubled Debt Restructuring | The following table presents a summary of TDRs segregated by class of loans.
| Accruing TDR Loans |  | Nonaccrual TDR Loans |  | Total TDR Loans
(Dollars in thousands) | Number |  | Balance |  | Number |  | Balance |  | Number |  | Balance
June 30, 2021 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 29 |  |  | $ | 3,074 |  |  | 13 |  |  | $ | 1,242 |  |  | 42 |  |  | $ | 4,316 |
Other commercial | 2 |  |  | 825 |  |  | 1 |  |  | 5 |  |  | 3 |  |  | 830 |
Total real estate | 31 |  |  | 3,899 |  |  | 14 |  |  | 1,247 |  |  | 45 |  |  | 5,146 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 1 |  |  | 537 |  |  | 3 |  |  | 1,413 |  |  | 4 |  |  | 1,950 |
Total commercial | 1 |  |  | 537 |  |  | 3 |  |  | 1,413 |  |  | 4 |  |  | 1,950 |
Total | 32 |  |  | $ | 4,436 |  |  | 17 |  |  | $ | 2,660 |  |  | 49 |  |  | $ | 7,096 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 28 |  |  | $ | 2,463 |  |  | 18 |  |  | $ | 2,736 |  |  | 46 |  |  | $ | 5,199 |
Other commercial | 1 |  |  | 49 |  |  | 1 |  |  | 12 |  |  | 2 |  |  | 61 |
Total real estate | 29 |  |  | 2,512 |  |  | 19 |  |  | 2,748 |  |  | 48 |  |  | 5,260 |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Commercial | 3 |  |  | 626 |  |  | 3 |  |  | 1,627 |  |  | 6 |  |  | 2,253 |
Total commercial | 3 |  |  | 626 |  |  | 3 |  |  | 1,627 |  |  | 6 |  |  | 2,253 |
Total | 32 |  |  | $ | 3,138 |  |  | 22 |  |  | $ | 4,375 |  |  | 54 |  |  | $ | 7,513 |
The following table presents loans that were restructured as TDRs during the three and six month periods ended June 30, 2021 and 2020.
(Dollars in thousands) | Number of loans |  | Balance Prior to TDR |  | Balance at June 30, |  | Change in Maturity Date |  | Change in Rate |  | Financial Impact on Date of Restructure
Three and Six Months Ended June 30, 2021 |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Other commercial | 1 |  |  | $ | 784 |  |  | $ | 778 |  |  | $ | — |  |  | $ | 778 |  |  | $ | — |
Total real estate | 1 |  |  | $ | 784 |  |  | $ | 778 |  |  | $ | — |  |  | $ | 778 |  |  | $ | — |
Three and Six Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential | 1 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | — |  |  | $ | — |
Total real estate | 1 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | 147 |  |  | $ | — |  |  | $ | — |
Loans by Credit Risk Ratings | The following tables present a summary of loans by credit quality indicator, other than pass or current, as of June 30, 2021 and December 31, 2020 segregated by class of loans.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
(In thousands) | 2021 (YTD) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 and Prior |  | Lines of Credit (“LOC”) Amortized Cost Basis |  | LOC Converted to Term Loans Amortized Cost Basis |  | Total
June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 644 |  |  | $ | — |  |  | $ | 644 |
90+ days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 273 |  |  | — |  |  | 273 |
Total consumer - credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 917 |  |  | — |  |  | 917 |
Consumer - other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | 44 |  |  | 193 |  |  | 81 |  |  | 174 |  |  | 178 |  |  | 208 |  |  | 66 |  |  | — |  |  | 944 |
90+ days past due | — |  |  | 13 |  |  | 56 |  |  | 2 |  |  | 33 |  |  | 17 |  |  | — |  |  | — |  |  | 121 |
Total consumer - other | 44 |  |  | 206 |  |  | 137 |  |  | 176 |  |  | 211 |  |  | 225 |  |  | 66 |  |  | — |  |  | 1,065 |
Real estate - C&D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | — |  |  | — |  |  | 292 |  |  | — |  |  | 1,360 |  |  | — |  |  | — |  |  | — |  |  | 1,652 |
Substandard | 1,740 |  |  | 42 |  |  | 547 |  |  | 401 |  |  | 333 |  |  | 733 |  |  | 10,513 |  |  | 1,954 |  |  | 16,263 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - C&D | 1,740 |  |  | 42 |  |  | 839 |  |  | 401 |  |  | 1,693 |  |  | 733 |  |  | 10,513 |  |  | 1,954 |  |  | 17,915 |
Real estate - SF residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | 111 |  |  | 1,034 |  |  | 540 |  |  | 2,033 |  |  | 844 |  |  | 1,744 |  |  | 505 |  |  | 72 |  |  | 6,883 |
90+ days past due | — |  |  | 69 |  |  | 1,203 |  |  | 2,177 |  |  | 1,870 |  |  | 2,197 |  |  | 545 |  |  | — |  |  | 8,061 |
Total real estate - SF residential | 111 |  |  | 1,103 |  |  | 1,743 |  |  | 4,210 |  |  | 2,714 |  |  | 3,941 |  |  | 1,050 |  |  | 72 |  |  | 14,944 |
Real estate - other commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | 30,225 |  |  | 69,187 |  |  | 1,818 |  |  | 8,584 |  |  | 40,531 |  |  | 34,225 |  |  | 127,273 |  |  | 18,393 |  |  | 330,236 |
Substandard | 25,532 |  |  | 25,865 |  |  | 6,477 |  |  | 15,304 |  |  | 33,640 |  |  | 23,723 |  |  | 50,734 |  |  | 20,480 |  |  | 201,755 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - other commercial | 55,757 |  |  | 95,052 |  |  | 8,295 |  |  | 23,888 |  |  | 74,171 |  |  | 57,948 |  |  | 178,007 |  |  | 38,873 |  |  | 531,991 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | — |  |  | 1,247 |  |  | 354 |  |  | 523 |  |  | 392 |  |  | 752 |  |  | 5,380 |  |  | 12,438 |  |  | 21,086 |
Substandard | 3,627 |  |  | 21,024 |  |  | 3,616 |  |  | 2,035 |  |  | 796 |  |  | 799 |  |  | 25,859 |  |  | 6,601 |  |  | 64,357 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 3,627 |  |  | 22,271 |  |  | 3,970 |  |  | 2,558 |  |  | 1,188 |  |  | 1,551 |  |  | 31,239 |  |  | 19,039 |  |  | 85,443 |
Commercial - agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | — |  |  | — |  |  | 6 |  |  | 10 |  |  | 15 |  |  | — |  |  | — |  |  | — |  |  | 31 |
Substandard | 105 |  |  | 65 |  |  | 121 |  |  | 294 |  |  | 64 |  |  | 20 |  |  | 229 |  |  | 72 |  |  | 970 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial - agriculture | 105 |  |  | 65 |  |  | 127 |  |  | 304 |  |  | 79 |  |  | 20 |  |  | 229 |  |  | 72 |  |  | 1,001 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
90+ days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 61,384 |  |  | $ | 118,739 |  |  | $ | 15,111 |  |  | $ | 31,537 |  |  | $ | 80,056 |  |  | $ | 64,418 |  |  | $ | 222,021 |  |  | $ | 60,010 |  |  | $ | 653,276 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
(In thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | 2015 and Prior |  | Lines of Credit (“LOC”) Amortized Cost Basis |  | LOC Converted to Term Loans Amortized Cost Basis |  | Total
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 708 |  |  | $ | — |  |  | $ | 708 |
90+ days past due | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 256 |  |  | — |  |  | 256 |
Total consumer - credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 964 |  |  | — |  |  | 964 |
Consumer - other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | 234 |  |  | 441 |  |  | 327 |  |  | 658 |  |  | 689 |  |  | 84 |  |  | 339 |  |  | — |  |  | 2,772 |
90+ days past due | 79 |  |  | 58 |  |  | 25 |  |  | 80 |  |  | 40 |  |  | 12 |  |  | 8 |  |  | — |  |  | 302 |
Total consumer - other | 313 |  |  | 499 |  |  | 352 |  |  | 738 |  |  | 729 |  |  | 96 |  |  | 347 |  |  | — |  |  | 3,074 |
Real estate - C&D |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | 2,728 |  |  | 344 |  |  | 259 |  |  | 2,107 |  |  | 19 |  |  | — |  |  | 9,613 |  |  | — |  |  | 15,070 |
Substandard | 294 |  |  | 2,069 |  |  | 404 |  |  | 449 |  |  | 342 |  |  | 320 |  |  | 17,914 |  |  | 14 |  |  | 21,806 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - C&D | 3,022 |  |  | 2,413 |  |  | 663 |  |  | 2,556 |  |  | 361 |  |  | 320 |  |  | 27,527 |  |  | 14 |  |  | 36,876 |
Real estate - SF residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Delinquency: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
30-89 days past due | 6,300 |  |  | 2,258 |  |  | 2,593 |  |  | 2,610 |  |  | 2,058 |  |  | 6,050 |  |  | 1,782 |  |  | 76 |  |  | 23,727 |
90+ days past due | 557 |  |  | 1,853 |  |  | 2,735 |  |  | 2,582 |  |  | 832 |  |  | 3,852 |  |  | 1,928 |  |  | — |  |  | 14,339 |
Total real estate - SF residential | 6,857 |  |  | 4,111 |  |  | 5,328 |  |  | 5,192 |  |  | 2,890 |  |  | 9,902 |  |  | 3,710 |  |  | 76 |  |  | 38,066 |
Real estate - other commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | 100,085 |  |  | 4,346 |  |  | 10,738 |  |  | 19,943 |  |  | 26,245 |  |  | 10,608 |  |  | 63,305 |  |  | 23,435 |  |  | 258,705 |
Substandard | 66,737 |  |  | 9,418 |  |  | 24,380 |  |  | 14,067 |  |  | 3,744 |  |  | 11,158 |  |  | 52,182 |  |  | 39,486 |  |  | 221,172 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate - other commercial | 166,822 |  |  | 13,764 |  |  | 35,118 |  |  | 34,010 |  |  | 29,989 |  |  | 21,766 |  |  | 115,487 |  |  | 62,921 |  |  | 479,877 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | 5,707 |  |  | 342 |  |  | 465 |  |  | 972 |  |  | 54 |  |  | — |  |  | 12,318 |  |  | 22,546 |  |  | 42,404 |
Substandard | 23,227 |  |  | 4,495 |  |  | 1,586 |  |  | 730 |  |  | 276 |  |  | 334 |  |  | 53,682 |  |  | 7,522 |  |  | 91,852 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial | 28,934 |  |  | 4,837 |  |  | 2,051 |  |  | 1,702 |  |  | 330 |  |  | 334 |  |  | 66,000 |  |  | 30,068 |  |  | 134,256 |
Commercial - agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Special mention | — |  |  | 79 |  |  | 13 |  |  | 299 |  |  | — |  |  | 6 |  |  | 34 |  |  | — |  |  | 431 |
Substandard | 86 |  |  | 101 |  |  | 64 |  |  | 47 |  |  | 12 |  |  | 10 |  |  | 68 |  |  | 75 |  |  | 463 |
Doubtful and loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total commercial - agriculture | 86 |  |  | 180 |  |  | 77 |  |  | 346 |  |  | 12 |  |  | 16 |  |  | 102 |  |  | 75 |  |  | 894 |
Total | $ | 206,034 |  |  | $ | 25,804 |  |  | $ | 43,589 |  |  | $ | 44,544 |  |  | $ | 34,311 |  |  | $ | 32,434 |  |  | $ | 214,137 |  |  | $ | 93,154 |  |  | $ | 694,007 |
Allowance for Loan Losses | The collateral securing these loans consist of commercial real estate properties, residential properties, other business assets, and secured energy production assets.
(In thousands) | Real Estate Collateral |  | Energy |  | Other Collateral |  | Total
Construction and development | $ | 2,788 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,788 |
Single family residential | 2,940 |  |  | — |  |  | — |  |  | 2,940 |
Other commercial real estate | 34,431 |  |  | — |  |  | — |  |  | 34,431 |
Commercial | — |  |  | 30,677 |  |  | 3,979 |  |  | 34,656 |
Total | $ | 40,159 |  |  | $ | 30,677 |  |  | $ | 3,979 |  |  | $ | 74,815 |
The following table details activity in the allowance for credit losses by portfolio segment for the three and six months ended June 30, 2021. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
(In thousands) | Commercial |  | Real Estate |  | Credit Card |  | Other Consumer and Other |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Three Months Ended June 30, 2021 |  |  |  |  |  |  |  |  |
Beginning balance, April 1, 2021 | $ | 34,633 |  |  | $ | 195,826 |  |  | $ | 2,172 |  |  | $ | 2,485 |  |  | $ | 235,116 |
Provision for credit loss expense | (6,678) |  |  | (8,522) |  |  | 4,072 |  |  | 1,117 |  |  | (10,011) |
Charge-offs | (309) |  |  | (439) |  |  | (1,046) |  |  | (411) |  |  | (2,205) |
Recoveries | 2,147 |  |  | 1,523 |  |  | 244 |  |  | 425 |  |  | 4,339 |
Net charge-offs | 1,838 |  |  | 1,084 |  |  | (802) |  |  | 14 |  |  | 2,134 |
Ending balance, June 30, 2021 | $ | 29,793 |  |  | $ | 188,388 |  |  | $ | 5,442 |  |  | $ | 3,616 |  |  | $ | 227,239 |
Six Months Ended June 30, 2021 |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2021 | $ | 42,093 |  |  | $ | 182,868 |  |  | $ | 7,472 |  |  | $ | 5,617 |  |  | $ | 238,050 |
Provision for credit loss expense | (13,599) |  |  | 5,720 |  |  | (515) |  |  | (1,617) |  |  | (10,011) |
Charge-offs | (1,168) |  |  | (2,126) |  |  | (2,049) |  |  | (1,113) |  |  | (6,456) |
Recoveries | 2,467 |  |  | 1,926 |  |  | 534 |  |  | 729 |  |  | 5,656 |
Net charge-offs | 1,299 |  |  | (200) |  |  | (1,515) |  |  | (384) |  |  | (800) |
Ending balance, June 30, 2021 | $ | 29,793 |  |  | $ | 188,388 |  |  | $ | 5,442 |  |  | $ | 3,616 |  |  | $ | 227,239 |
Activity in the allowance for credit losses for the three and six months ended June 30, 2020 was as follows:
(In thousands) | Commercial |  | Real Estate |  | Credit Card |  | Other Consumer and Other |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |
Three Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |
Beginning balance, April 1, 2020 | $ | 76,327 |  |  | $ | 141,022 |  |  | $ | 7,817 |  |  | $ | 18,029 |  |  | $ | 243,195 |
Provision for credit losses | 18,400 |  |  | 10,020 |  |  | 3,943 |  |  | (5,685) |  |  | 26,678 |
Charge-offs | (35,687) |  |  | (1,824) |  |  | (1,053) |  |  | (592) |  |  | (39,156) |
Recoveries | 98 |  |  | 253 |  |  | 272 |  |  | 303 |  |  | 926 |
Net (charge-offs) recoveries | (35,589) |  |  | (1,571) |  |  | (781) |  |  | (289) |  |  | (38,230) |
Ending balance, June 30, 2020 | $ | 59,138 |  |  | $ | 149,471 |  |  | $ | 10,979 |  |  | $ | 12,055 |  |  | $ | 231,643 |
Six Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2020 - prior to adoption of CECL | $ | 22,863 |  |  | $ | 39,161 |  |  | $ | 4,051 |  |  | $ | 2,169 |  |  | $ | 68,244 |
Impact of CECL adoption | 22,733 |  |  | 114,314 |  |  | 2,232 |  |  | 12,098 |  |  | 151,377 |
Provision for credit loss expense | 49,307 |  |  | (2,138) |  |  | 6,693 |  |  | (987) |  |  | 52,875 |
Charge-offs | (36,210) |  |  | (2,220) |  |  | (2,494) |  |  | (1,971) |  |  | (42,895) |
Recoveries | 445 |  |  | 354 |  |  | 497 |  |  | 746 |  |  | 2,042 |
Net charge-offs | (35,765) |  |  | (1,866) |  |  | (1,997) |  |  | (1,225) |  |  | (40,853) |
Ending balance, June 30, 2020 | $ | 59,138 |  |  | $ | 149,471 |  |  | $ | 10,979 |  |  | $ | 12,055 |  |  | $ | 231,643 |
The components of the provision for credit losses for the three and six month periods ended June 30, 2021 and 2020 were as follows:
| Three Months Ended June 30, |  | Six Months Ended June 30,
(In thousands) | 2021 |  | 2020 |  | 2021 |  | 2020
Provision for credit losses related to: |  |  |  |  |  |  |
Loans | $ | (10,011) |  |  | $ | 26,678 |  |  | $ | (10,011) |  |  | $ | 52,875 |
Unfunded commitments | — |  |  | (5,001) |  |  | — |  |  | (8,000) |
Securities - HTM | (486) |  |  | (102) |  |  | (1,183) |  |  | (62) |
Securities - AFS | (2,454) |  |  | 340 |  |  | (312) |  |  | 236 |
Total | $ | (12,951) |  |  | $ | 21,915 |  |  | $ | (11,506) |  |  | $ | 45,049 |

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