XML 22 R12.htm IDEA: XBRL DOCUMENT v3.24.1.u1
LOANS RECEIVABLE AND THE ALLOWANCE FOR CREDIT LOSSES
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES
The following table presents the loans receivable at March 31, 2024 and December 31, 2023 by class (dollars in thousands).
 March 31, 2024December 31, 2023
 AmountPercent of TotalAmountPercent of Total
Commercial real estate:    
Owner-occupied$905,063 8.3 %$915,897 8.5 %
Investment properties1,544,885 14.2 1,541,344 14.3 
Small balance CRE1,159,355 10.7 1,178,500 10.9 
Multifamily real estate809,101 7.4 811,232 7.5 
Construction, land and land development:
Commercial construction158,011 1.4 170,011 1.6 
Multifamily construction573,014 5.3 503,993 4.7 
One- to four-family construction495,931 4.6 526,432 4.9 
Land and land development344,563 3.2 336,639 3.1 
Commercial business:
Commercial business
1,262,716 11.6 1,255,734 11.6 
Small business scored1,028,067 9.5 1,022,154 9.5 
Agricultural business, including secured by farmland317,958 2.9 331,089 3.0 
One- to four-family residential1,566,834 14.4 1,518,046 14.0 
Consumer:
Consumer—home equity revolving lines of credit
597,060 5.5 588,703 5.4 
Consumer—other106,538 1.0 110,681 1.0 
Total loans10,869,096 100.0 %10,810,455 100.0 %
Less allowance for credit losses – loans(151,140) (149,643) 
Net loans$10,717,956  $10,660,812  

Loan amounts are net of unearned loan fees in excess of unamortized costs of $13.9 million as of March 31, 2024, and $12.1 million as of December 31, 2023. Net loans include net discounts on acquired loans of $4.3 million and $4.6 million as of March 31, 2024 and December 31, 2023, respectively. Net loans does not include accrued interest receivable. Accrued interest receivable on loans was $51.5 million as of March 31, 2024, and $47.8 million as of December 31, 2023 and was reported in accrued interest receivable on the Consolidated Statements of Financial Condition.

The Company had pledged $7.7 billion and $7.6 billion of loans as collateral for FHLB and other borrowings at March 31, 2024 and December 31, 2023, respectively.

Purchased credit-deteriorated and purchased non-credit-deteriorated loans. Loans acquired in business combinations are recorded at their fair value at the acquisition date. Acquired loans are evaluated upon acquisition and classified as either purchased credit-deteriorated (PCD) or purchased non-credit-deteriorated. There were no PCD loans acquired during the three months ended March 31, 2024 or March 31, 2023.
Troubled Loan Modifications. Occasionally, the Company offers modifications of loans to borrowers experiencing financial difficulty by providing principal forgiveness, interest rate reductions, other-than-insignificant payment delays, term extensions or any combination of these. When principal forgiveness is provided, the amount of the forgiveness is charged-off against the allowance for credit losses - loans. Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses - loans is adjusted by the same amount. The allowance for credit losses on modified loans is measured using the same credit loss estimation methods used to determine the allowance for credit losses for all other loans held for investment. These methods incorporate the post-modification loan terms, as well as defaults and charge-offs associated with historical modified loans.
The following tables present the Company’s portfolio of risk-rated loans by class and by grade as of March 31, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the three months ended March 31, 2024. Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.
March 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Commercial real estate - owner occupied
Risk Rating
Pass$41,496 $146,413 $140,093 $157,377 $136,652 $216,650 $28,015 $866,696 
Special Mention— — — — — — — — 
Substandard— — 14,397 215 4,694 19,061 — 38,367 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$41,496 $146,413 $154,490 $157,592 $141,346 $235,711 $28,015 $905,063 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial real estate - investment properties
Risk Rating
Pass$26,190 $148,264 $186,678 $277,242 $121,957 $734,449 $39,152 $1,533,932 
Special Mention— — — — — 2,699 — 2,699 
Substandard— — — — — 8,254 — 8,254 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$26,190 $148,264 $186,678 $277,242 $121,957 $745,402 $39,152 $1,544,885 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily real estate
Risk Rating
Pass$37,609 $100,027 $169,221 $183,695 $100,968 $214,196 $3,385 $809,101 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$37,609 $100,027 $169,221 $183,695 $100,968 $214,196 $3,385 $809,101 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
March 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Commercial construction
Risk Rating
Pass$8,102 $84,917 $46,406 $— $12,642 $991 $— $153,058 
Special Mention— 4,196 — — — — — 4,196 
Substandard— — — 757 — — — 757 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$8,102 $89,113 $46,406 $757 $12,642 $991 $— $158,011 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Multifamily construction
Risk Rating
Pass$85,178 $148,140 $286,475 $52,088 $411 $— $722 $573,014 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$85,178 $148,140 $286,475 $52,088 $411 $— $722 $573,014 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
One- to four- family construction
Risk Rating
Pass$205,140 $272,804 $12,620 $— $— $325 $555 $491,444 
Special Mention— — — — — — — — 
Substandard— 2,091 252 2,144 — — — 4,487 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$205,140 $274,895 $12,872 $2,144 $— $325 $555 $495,931 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
March 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Land and land development
Risk Rating
Pass$51,204 $168,830 $64,807 $29,262 $11,132 $17,012 $807 $343,054 
Special Mention— — 640 — — — — 640 
Substandard— — — 277 552 40 — 869 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$51,204 $168,830 $65,447 $29,539 $11,684 $17,052 $807 $344,563 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Commercial business
Risk Rating
Pass$38,234 $152,135 $203,797 $116,832 $123,296 $221,271 $375,938 $1,231,503 
Special Mention— 396 — — — 43 7,314 7,753 
Substandard— 1,404 4,592 1,952 5,158 2,722 7,632 23,460 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$38,234 $153,935 $208,389 $118,784 $128,454 $224,036 $390,884 $1,262,716 
Current period gross charge-offs$— $418 $— $1 $— $1 $305 $725 
Agricultural business, including secured by farmland
Risk Rating
Pass$9,250 $48,005 $33,930 $24,849 $17,326 $59,871 $102,883 $296,114 
Special Mention— — — — — — 5,706 5,706 
Substandard— 2,672 — 626 — 9,415 3,425 16,138 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$9,250 $50,677 $33,930 $25,475 $17,326 $69,286 $112,014 $317,958 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Commercial real estate - owner occupied
Risk Rating
Pass$170,577 $149,489 $161,647 $139,934 $65,424 $154,036 $36,209 $877,316 
Special Mention— — — — — — 1 1 
Substandard— 14,450 217 4,731 18,999 183 — 38,580 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - owner occupied$170,577 $163,939 $161,864 $144,665 $84,423 $154,219 $36,210 $915,897 
Commercial real estate - investment properties
Risk Rating
Pass$154,128 $168,286 $281,324 $123,315 $156,174 $597,977 $47,936 $1,529,140 
Special Mention— — — — — 2,714 1,198 3,912 
Substandard— — — — — 8,292 — 8,292 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial real estate - investment properties$154,128 $168,286 $281,324 $123,315 $156,174 $608,983 $49,134 $1,541,344 
Multifamily real estate
Risk Rating
Pass$96,865 $177,907 $215,220 $101,336 $46,886 $167,305 $3,285 $808,804 
Special Mention— — — — — — — — 
Substandard— — — — — 2,428 — 2,428 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily real estate$96,865 $177,907 $215,220 $101,336 $46,886 $169,733 $3,285 $811,232 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Commercial construction
Risk Rating
Pass$86,165 $62,302 $4,056 $12,705 $— $1,015 $— $166,243 
Special Mention3,010 — — — — — — 3,010 
Substandard— — 758 — — — — 758 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial construction$89,175 $62,302 $4,814 $12,705 $— $1,015 $— $170,011 
Multifamily construction
Risk Rating
Pass$176,729 $256,661 $70,189 $414 $— $— $— $503,993 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Multifamily construction$176,729 $256,661 $70,189 $414 $— $— $— $503,993 
One- to four- family construction
Risk Rating
Pass$447,818 $43,563 $25,229 $— $329 $— $381 $517,320 
Special Mention— — — — — — — — 
Substandard6,715 253 2,144 — — — — 9,112 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total One- to four- family construction$454,533 $43,816 $27,373 $— $329 $— $381 $526,432 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Land and land development
Risk Rating
Pass$188,134 $80,472 $34,146 $12,338 $8,409 $10,152 $2,136 $335,787 
Special Mention— 852 — — — — — 852 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Land and land development$188,134 $81,324 $34,146 $12,338 $8,409 $10,152 $2,136 $336,639 
Commercial business
Risk Rating
Pass$157,830 $223,582 $121,031 $134,066 $102,545 $126,175 $363,652 $1,228,881 
Special Mention199 — — — 43 — 2,548 2,790 
Substandard1,919 5,207 3,398 5,207 1,509 2,010 4,813 24,063 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Commercial business$159,948 $228,789 $124,429 $139,273 $104,097 $128,185 $371,013 $1,255,734 
Agricultural business, including secured by farmland
Risk Rating
Pass$48,620 $35,520 $24,659 $17,658 $23,885 $38,273 $123,158 $311,773 
Special Mention550 — 652 — — 301 308 1,811 
Substandard4,057 — 626 — 7,819 2,280 2,723 17,505 
Doubtful— — — — — — — — 
Loss— — — — — — — — 
Total Agricultural business, including secured by farmland$53,227 $35,520 $25,937 $17,658 $31,704 $40,854 $126,189 $331,089 
The following tables present the Company’s portfolio of non-risk-rated loans by class and delinquency status as of March 31, 2024 and December 31, 2023 (in thousands). In addition, the tables include the gross charge-offs for the three months ended March 31, 2024. Revolving loans that are converted to term loans are treated as new originations in the table below and are presented by year of origination. Term loans that are renewed or extended for periods longer than 90 days are presented as a new origination in the year of the most recent renewal or extension.
March 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Small balance CRE
Past Due Category
Current$10,859 $80,735 $189,935 $213,650 $159,133 $504,338 $13 $1,158,663 
30-59 Days Past Due— — — — — — — — 
60-89 Days Past Due— — — — — 127 — 127 
90 Days + Past Due— — — — 413 152 — 565 
Total Small balance CRE$10,859 $80,735 $189,935 $213,650 $159,546 $504,617 $13 $1,159,355 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
Small business scored
Past Due Category
Current$38,259 $191,736 $263,647 $166,289 $79,248 $148,379 $134,261 $1,021,819 
30-59 Days Past Due— — 1,821 773 992 455 738 4,779 
60-89 Days Past Due— — 718 — — 114 202 1,034 
90 Days + Past Due— 24 150 — 7 254 — 435 
Total Small business scored$38,259 $191,760 $266,336 $167,062 $80,247 $149,202 $135,201 $1,028,067 
Current period gross charge-offs$— $— $307 $187 $47 $543 $— $1,084 
One- to four- family residential
Past Due Category
Current$73,063 $354,622 $578,455 $257,392 $54,818 $233,780 $— $1,552,130 
30-59 Days Past Due— 1,661 2,741 1,817 723 1,820 — 8,762 
60-89 Days Past Due— — — — — 77 — 77 
90 Days + Past Due— 1,060 975 2,269 192 1,369 — 5,865 
Total One- to four- family residential$73,063 $357,343 $582,171 $261,478 $55,733 $237,046 $— $1,566,834 
Current period gross charge-offs$— $— $— $— $— $— $— $— 
March 31, 2024
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20242023202220212020Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$4,551 $832 $3,063 $1,302 $1,382 $6,342 $573,322 $590,794 
30-59 Days Past Due— — 587 — 45 262 1,618 2,512 
60-89 Days Past Due— — 252 381 — 120 210 963 
90 Days + Past Due— — 358 129 1,043 1,048 213 2,791 
Total Consumer—home equity revolving lines of credit$4,551 $832 $4,260 $1,812 $2,470 $7,772 $575,363 $597,060 
Current period gross charge-offs$— $— $— $— $— $— $54 $54 
Consumer-other
Past Due Category
Current$1,933 $9,357 $30,150 $9,457 $6,607 $21,335 $27,347 $106,186 
30-59 Days Past Due— 1 27 2 3 40 179 252 
60-89 Days Past Due— 10 — — — — 86 96 
90 Days + Past Due— 4 — — — — — 4 
Total Consumer-other$1,933 $9,372 $30,177 $9,459 $6,610 $21,375 $27,612 $106,538 
Current period gross charge-offs$— $21 $65 $37 $27 $56 $309 $515 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Small balance CRE
Past Due Category
Current$83,077 $194,213 $215,550 $163,689 $121,596 $399,025 $378 $1,177,528 
30-59 Days Past Due— — — — 159 400 — 559 
60-89 Days Past Due— — — — — — — — 
90 Days + Past Due— — — 413 — — — 413 
Total Small balance CRE$83,077 $194,213 $215,550 $164,102 $121,755 $399,425 $378 $1,178,500 
Small business scored
Past Due Category
Current$197,138 $276,888 $172,286 $84,320 $61,613 $96,269 $129,998 $1,018,512 
30-59 Days Past Due16 171 1,048 52 169 287 307 2,050 
60-89 Days Past Due18 — — 60 79 393 83 633 
90 Days + Past Due24 69 148 — 460 257 1 959 
Total Small business scored$197,196 $277,128 $173,482 $84,432 $62,321 $97,206 $130,389 $1,022,154 
One- to four- family residential
Past Due Category
Current$360,797 $586,167 $262,414 $56,436 $31,275 $206,247 $209 $1,503,545 
30-59 Days Past Due846 3,087 979 511 — 1,441 — 6,864 
60-89 Days Past Due— 540 510 388 151 790 — 2,379 
90 Days + Past Due1,060 700 1,582 192 633 1,091 — 5,258 
Total One- to four- family residential$362,703 $590,494 $265,485 $57,527 $32,059 $209,569 $209 $1,518,046 
December 31, 2023
Term Loans by Year of OriginationRevolving LoansTotal Loans
By class:20232022202120202019Prior
Consumer—home equity revolving lines of credit
Past Due Category
Current$5,003 $2,594 $1,564 $1,200 $1,177 $4,678 $566,249 $582,465 
30-59 Days Past Due— 51 93 66 175 324 2,063 2,772 
60-89 Days Past Due— — 98 — 50 246 445 839 
90 Days + Past Due— 365 178 1,043 19 966 56 2,627 
Total Consumer—home equity revolving lines of credit$5,003 $3,010 $1,933 $2,309 $1,421 $6,214 $568,813 $588,703 
Consumer-other
Past Due Category
Current$10,756 $31,836 $9,961 $6,906 $4,441 $17,920 $28,207 $110,027 
30-59 Days Past Due5 — 62 — — 81 269 417 
60-89 Days Past Due12 — 4 2 20 6 97 141 
90 Days + Past Due— 58 — 28 10 — — 96 
Total Consumer-other$10,773 $31,894 $10,027 $6,936 $4,471 $18,007 $28,573 $110,681 
The following tables provide the amortized cost basis of collateral-dependent loans as of March 31, 2024 and December 31, 2023 (in thousands). Our collateral dependent loans presented in the tables below have no significant concentrations by property type or location.
 March 31, 2024
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$1,391 $— $— $— $1,391 
Small balance CRE697 — — — 697 
One- to four-family construction3,948 — — — 3,948 
Land and land development551 — — — 551 
Commercial business— 1,968 3,456 548 5,972 
Agricultural business, including secured by farmland
2,496 — — — 2,496 
One- to four-family residential2,997 — — — 2,997 
Consumer—home equity revolving lines of credit 821 — — — 821 
Total$12,901 $1,968 $3,456 $548 $18,873 

 December 31, 2023
Real EstateAccounts ReceivableEquipmentInventoryTotal
Commercial real estate:  
Owner-occupied$1,391 $— $— $— $1,391 
Small balance CRE755 — — — 755 
One- to four-family construction8,859 — — — 8,859 
Commercial business— 1,059 5,085 812 6,956 
Agricultural business, including secured by farmland
2,576 — — — 2,576 
One- to four-family residential1,954 — — — 1,954 
Consumer—home equity revolving lines of credit 821 — — — 821 
Total$16,356 $1,059 $5,085 $812 $23,312 
The following tables provide additional detail on the age analysis of the Company’s past due loans as of March 31, 2024 and December 31, 2023 (in thousands):
 March 31, 2024
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$1,391 $— $— $1,391 $903,672 $905,063 $1,391 $1,447 $— 
Investment properties— — — — 1,544,885 1,544,885 — — — 
Small balance CRE— 127 565 692 1,158,663 1,159,355 697 1,306 — 
Multifamily real estate— — — — 809,101 809,101 — — — 
Construction, land and land development:
Commercial construction— — — — 158,011 158,011 — — — 
Multifamily construction— — — — 573,014 573,014 — — — 
One- to four-family construction598 — 4,487 5,085 490,846 495,931 3,948 4,201 286 
Land and land development1,777 — 829 2,606 341,957 344,563 550 828 — 
Commercial business:
Commercial business70 — 430 500 1,262,216 1,262,716 121 6,345 — 
Small business scored4,779 1,034 435 6,248 1,021,819 1,028,067 — 1,010 — 
Agricultural business, including secured by farmland
— — 1,585 1,585 316,373 317,958 2,496 2,496 — 
One- to four-family residential8,762 77 5,865 14,704 1,552,130 1,566,834 2,981 7,750 409 
Consumer:
Consumer—home equity revolving lines of credit2,512 963 2,791 6,266 590,794 597,060 821 3,394 — 
Consumer—other252 96 4 352 106,186 106,538 — 17 — 
Total$20,141 $2,297 $16,991 $39,429 $10,829,667 $10,869,096 $13,005 $28,794 $695 

(1)     The Company did not recognize any interest income on non-accrual loans during the three months ended March 31, 2024.
 December 31, 2023
 30-59 Days
Past Due		60-89 Days
Past Due		90 Days or More
Past Due		Total
Past Due		CurrentTotal LoansNon-accrual with no Allowance
Total Non-accrual (1)
Loans 90 Days or More Past Due and Accruing
Commercial real estate:       
Owner-occupied$— $— $— $— $915,897 $915,897 $1,391 $1,450 $— 
Investment properties— — — — 1,541,344 1,541,344 — — — 
Small balance CRE559 — 413 972 1,177,528 1,178,500 755 1,227 — 
Multifamily real estate— — — — 811,232 811,232 — — — 
Construction, land and land development:
Commercial construction— — — — 170,011 170,011 — — — 
Multifamily construction— — — — 503,993 503,993 — — — 
One- to four-family construction286 — 4,201 4,487 521,945 526,432 2,852 3,105 1,096 
Land and land development1,822 553 42 2,417 334,222 336,639 — — 42 
Commercial business:
Commercial business1,166 5,735 1,181 8,082 1,247,652 1,255,734 789 7,346 — 
Small business scored2,050 633 959 3,642 1,018,512 1,022,154 — 1,656 1 
Agricultural business, including secured by farmland
— — 2,171 2,171 328,918 331,089 3,167 3,167 — 
One-to four-family residential6,864 2,379 5,258 14,501 1,503,545 1,518,046 1,939 5,702 1,205 
Consumer:
Consumer—home equity revolving lines of credit2,772 839 2,627 6,238 582,465 588,703 821 3,110 391 
Consumer—other417 141 96 654 110,027 110,681 — 94 10 
Total$15,936 $10,280 $16,948 $43,164 $10,767,291 $10,810,455 $11,714 $26,857 $2,745 

(1)     The Company did not recognize any interest income on non-accrual loans during the year ended December 31, 2023.
The following tables provide the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2024 and 2023 (in thousands):
 For the Three Months Ended March 31, 2024
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$44,384 $9,326 $28,095 $35,464 $3,865 $19,271 $9,238 $149,643 
(Recapture)/provision for credit losses(2,218)(33)813 1,108 (81)1,145 690 1,424 
Recoveries1,389 — — 781 106 16 159 2,451 
Charge-offs— — — (1,809)— — (569)(2,378)
Ending balance$43,555 $9,293 $28,908 $35,544 $3,890 $20,432 $9,518 $151,140 

 For the Three Months Ended March 31, 2023
 Commercial Real EstateMultifamily Real EstateConstruction and LandCommercial BusinessAgricultural BusinessOne- to Four-Family ResidentialConsumerTotal
Allowance for credit losses - loans:        
Beginning balance$44,086 $7,734 $29,171 $33,299 $3,475 $14,729 $8,971 $141,465 
(Recapture)/provision for credit losses(1,295)741 (738)1,475 (490)920 161 774 
Recoveries184 — — 119 109 117 169 698 
Charge-offs— — — (1,158)— (30)(292)(1,480)
Ending balance$42,975 $8,475 $28,433 $33,735 $3,094 $15,736 $9,009 $141,457