XML 99 R13.htm IDEA: XBRL DOCUMENT
v2.4.0.6

Note 7: Loans and Allowance For Loan Losses | 3 Months Ended
--- | ---
Sep. 30, 2012
Notes |
Note 7: Loans and Allowance For Loan Losses | NOTE 7: LOANS AND ALLOWANCE FOR LOAN LOSSES
| September 30, |  | December 31,
| 2012 |  | 2011
(In Thousands) |  |  |
One- to four-family residential construction | $30,747 |  | $23,976
Subdivision construction | 37,387 |  | 61,140
Land development | 63,964 |  | 68,771
Commercial construction | 124,612 |  | 119,589
Owner occupied one- to four-family residential | 84,086 |  | 91,994
Non-owner occupied one- to four-family residential | 148,854 |  | 145,781
Commercial real estate | 650,952 |  | 639,857
Other residential | 272,271 |  | 243,742
Commercial business | 255,441 |  | 236,384
Industrial revenue bonds | 44,209 |  | 59,750
Consumer auto | 74,838 |  | 59,368
Consumer other | 82,555 |  | 77,540
Home equity lines of credit | 53,383 |  | 47,114
FDIC-supported loans, net of discounts (TeamBank) | 87,873 |  | 128,875
FDIC-supported loans, net of discounts (Vantus Bank) | 105,050 |  | 123,036
FDIC-supported loans, net of discounts (Sun Security Bank) | 101,951 |  | 144,626
FDIC-supported loans, net of discounts (InterBank) | 269,889 |  | --
Total gross loans receivable | 2,488,062 |  | 2,271,543
Undisbursed portion of loans in process | (112,926) |  | (103,424)
Allowance for loan losses | (40,307) |  | (41,232)
Deferred loan fees and gains, net | (2,319) |  | (2,726)
Total net loans | $2,332,510 |  | $2,124,161
Weighted average interest rate | 5.56% |  | 5.86%
Classes of loans by aging were as follows:
| September 30, 2012
|  |  |  |  |  |  | Total Loans
| 30-59 Days | 60-89 Days | Over 90 | Total Past |  | Total Loans | > 90 Days and
| Past Due | Past Due | Days | Due | Current | Receivable | Still Accruing
(In Thousands) |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |
residential construction | $204 | $-- | $-- | $204 | $30,543 | $30,747 | $--
Subdivision construction | 156 | 18 | 770 | 944 | 36,443 | 37,387 | --
Land development | 12 | -- | 6,887 | 6,899 | 57,065 | 63,964 | --
Commercial construction | -- | -- | -- | -- | 124,612 | 124,612 | --
Owner occupied one- to four- |  |  |  |  |  |  |
family residential | 525 | 476 | 1,758 | 2,759 | 81,327 | 84,086 | --
Non-owner occupied one- to |  |  |  |  |  |  |
four-family residential | 1,216 | 1,108 | 4,445 | 6,769 | 142,085 | 148,854 | --
Commercial real estate | 7,116 | 581 | 2,825 | 10,522 | 640,430 | 650,952 | --
Other residential | 4,459 | -- | 2,950 | 7,409 | 264,862 | 272,271 | --
Commercial business | 595 | 33 | 2,404 | 3,032 | 252,409 | 255,441 | --
Industrial revenue bonds | -- | -- | 2,110 | 2,110 | 42,099 | 44,209 | --
Consumer auto | 443 | 50 | 130 | 623 | 74,215 | 74,838 | 31
Consumer other | 864 | 429 | 973 | 2,266 | 80,289 | 82,555 | 601
Home equity lines of credit | 252 | 55 | 99 | 406 | 52,977 | 53,383 | --
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (TeamBank) | 1,167 | 167 | 18,842 | 20,176 | 67,697 | 87,873 | 8
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (Vantus Bank) | 487 | 53 | 8,014 | 8,554 | 96,496 | 105,050 | 1
FDIC-supported loans, |  |  |  |  |  |  |
net of discounts |  |  |  |  |  |  |
(Sun Security Bank) | 5,304 | 273 | 23,607 | 29,184 | 72,767 | 101,951 | --
FDIC-supported loans, |  |  |  |  |  |  |
net of discounts |  |  |  |  |  |  |
(InterBank) | 5,673 | 1,052 | 33,219 | 39,944 | 229,945 | 269,889 | --
Total before FDIC-supported loans, net of discount | 28,473 | 4,295 | 109,033 | 141,801 | 2,346,261 | 2,488,062 | 633
Less FDIC-supported loans, |  |  |  |  |  |  |
net of discounts | 12,631 | 1,545 | 83,682 | 97,858 | 466,905 | 564,763 | 1
Total | $15,842 | $2,750 | $25,351 | $43,943 | $1,879,356 | $1,923,299 | $632
| December 31, 2011
|  |  |  |  |  |  | Total Loans
| 30-59 Days | 60-89 Days | Over 90 | Total Past |  | Total Loans | > 90 Days and
| Past Due | Past Due | Days | Due | Current | Receivable | Still Accruing
(In Thousands) |  |  |  |  |  |  |
One- to four-family |  |  |  |  |  |  |
residential construction | $2,082 | $342 | $-- | $2,424 | $21,552 | $23,976 | $--
Subdivision construction | 4,014 | 388 | 6,661 | 11,063 | 50,077 | 61,140 | --
Land development | -- | 4 | 2,655 | 2,659 | 66,112 | 68,771 | --
Commercial construction | -- | -- | -- | -- | 119,589 | 119,589 | --
Owner occupied one- to four- |  |  |  |  |  |  |
family residential | 833 | -- | 3,999 | 4,832 | 87,162 | 91,994 | 40
Non-owner occupied one- to |  |  |  |  |  |  |
four-family residential | 117 | -- | 3,425 | 3,542 | 142,239 | 145,781 | --
Commercial real estate | 6,323 | 535 | 6,204 | 13,062 | 626,795 | 639,857 | --
Other residential | -- | -- | -- | -- | 243,742 | 243,742 | --
Commercial business | 426 | 10 | 1,362 | 1,798 | 234,586 | 236,384 | --
Industrial revenue bonds | -- | -- | 2,110 | 2,110 | 57,640 | 59,750 | --
Consumer auto | 455 | 56 | 107 | 618 | 58,750 | 59,368 | 10
Consumer other | 1,508 | 641 | 800 | 2,949 | 74,591 | 77,540 | 356
Home equity lines of credit | 45 | 29 | 174 | 248 | 46,866 | 47,114 | --
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (TeamBank) | 2,422 | 862 | 19,215 | 22,499 | 106,376 | 128,875 | --
FDIC-supported loans, net of |  |  |  |  |  |  |
discounts (Vantus Bank) | 562 | 57 | 5,999 | 6,618 | 116,418 | 123,036 | 5
FDIC-supported loans, |  |  |  |  |  |  |
net of discounts |  |  |  |  |  |  |
(Sun Security Bank) | 5,628 | 6,851 | 40,299 | 52,778 | 91,848 | 144,626 | 150
Total before FDIC-supported loans, net of discount | 24,415 | 9,775 | 93,010 | 127,200 | 2,144,343 | 2,271,543 | 561
Less FDIC-supported loans, |  |  |  |  |  |  |
net of discounts | 8,612 | 7,770 | 65,513 | 81,895 | 314,642 | 396,537 | 155
Total | $15,803 | $2,005 | $27,497 | $45,305 | $1,829,701 | $1,875,006 | $406
Nonaccruing loans (excluding FDIC-supported loans, net of discount) are summarized as follows:
| September 30, |  | December 31,
| 2012 |  | 2011
(In Thousands) |  |  |
One- to four-family residential construction | $-- |  | $--
Subdivision construction | 770 |  | 6,661
Land development | 6,887 |  | 2,655
Commercial construction | -- |  | --
Owner occupied one- to four-family residential | 1,758 |  | 3,959
Non-owner occupied one- to four-family residential | 4,445 |  | 3,425
Commercial real estate | 2,825 |  | 6,204
Other residential | 2,950 |  | --
Commercial business | 2,404 |  | 1,362
Industrial revenue bonds | 2,110 |  | 2,110
Consumer auto | 99 |  | 97
Consumer other | 372 |  | 444
Home equity lines of credit | 99 |  | 174
Total | $24,719 |  | $27,091
The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2012. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of September 30, 2012 and for the three and nine months ended September 30, 2011 and December 31, 2011:
| One- to Four- |  |  |  |  |  |
| Family |  |  |  |  |  |
| Residential and | Other | Commercial | Commercial | Commercial |  |
| Construction | Residential | Real Estate | Construction | Business | Consumer | Total
(In Thousands) |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |
Balance July 1, 2012 | $7,899 | $4,012 | $15,592 | $6,929 | $3,341 | $2,949 | $40,722
Provision charged to expense | (724) | 348 | 2,950 | 4,227 | 1,512 | 87 | 8,400
Losses charged off | (245) | (310) | (1,579) | (6,870) | (648) | (699) | (10,351)
Recoveries | 65 | 22 | 448 | 471 | 110 | 420 | 1,536
Balance September 30, 2012 | $6,995 | $4,072 | $17,411 | $4,757 | $4,315 | $2,757 | $40,307
Balance January 1, 2012 | $11,424 | $3,088 | $18,390 | $2,982 | $2,974 | $2,374 | $41,232
Provision charged to expense | (1,830) | 4,206 | 12,265 | 17,525 | 2,758 | 1,153 | 36,077
Losses charged off | (2,740) | (3,562) | (13,784) | (16,462) | (1,701) | (1,661) | (39,910)
Recoveries | 141 | 340 | 540 | 712 | 284 | 891 | 2,908
Balance September 30, 2012 | $6,995 | $4,072 | $17,411 | $4,757 | $4,315 | $2,757 | $40,307
Ending balance: |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $1,700 | $711 | $3,299 | $755 | $1,541 | $178 | $8,184
Collectively evaluated for |  |  |  |  |  |  |
impairment | $5,284 | $3,361 | $13,993 | $4,002 | $2,758 | $2,579 | $31,977
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $11 | $-- | $118 | $-- | $16 | $1 | $146
Loans |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $18,051 | $18,517 | $49,052 | $11,922 | $6,208 | $1,118 | $104,868
Collectively evaluated for |  |  |  |  |  |  |
impairment | $283,024 | $253,754 | $646,108 | $176,653 | $249,233 | $209,659 | $1,818,431
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $285,454 | $58,272 | $154,512 | $1,969 | $18,826 | $45,730 | $564,763
Balance July 1, 2011 | $11,562 | $3,629 | $15,003 | $5,155 | $2,324 | $2,814 | $40,487
Provision charged to expense | (784) | 533 | 7,709 | (3) | 1,050 | (5) | 8,500
Losses charged off | (836) | (23) | (5,104) | (2,107) | (506) | (966) | (9,542)
Recoveries | 7 | 1 | 17 | 395 | 153 | 448 | 1,021
Balance September 30, 2011 | $9,949 | $4,140 | $17,625 | $3,440 | $3,021 | $2,291 | $40,466
Balance January 1, 2011 | $11,483 | $3,866 | $14,336 | $5,852 | $3,281 | $2,669 | $41,487
Provision charged to expense | 2,892 | 3,183 | 13,595 | 3,475 | 1,058 | 928 | 25,131
Losses charged off | (4,462) | (2,911) | (10,374) | (6,291) | (2,222) | (2,773) | (29,033)
Recoveries | 36 | 2 | 68 | 404 | 904 | 1,467 | 2,881
Balance September 30, 2011 | $9,949 | $4,140 | $17,625 | $3,440 | $3,021 | $2,291 | $40,466
At December 31, 2011 |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $4,989 | $89 | $3,584 | $594 | $736 | $38 | $10,030
Collectively evaluated for |  |  |  |  |  |  |
impairment | $6,435 | $2,999 | $14,806 | $2,358 | $2,238 | $2,336 | $31,172
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $-- | $-- | $-- | $30 | $-- | $-- | $30
Loans |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $39,519 | $20,802 | $99,254 | $27,592 | $10,720 | $839 | $198,726
Collectively evaluated for |  |  |  |  |  |  |
impairment | $283,371 | $222,940 | $600,353 | $160,768 | $225,665 | $183,183 | $1,676,280
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $109,909 | $25,877 | $157,805 | $40,215 | $28,784 | $33,947 | $396,537
The portfolio segments used in the preceding two tables correspond to the loan classes used in all other tables in Note 7 as follows: · The one-to four-family residential and construction segment includes the one- to four-family residential construction, subdivision construction, owner occupied one- to four-family residential and non-owner occupied one- to four-family residential classes · The other residential and construction segment corresponds to the other residential class · The commercial real estate segment includes the commercial real estate and industrial revenue bonds classes · The commercial construction segment includes the land development and commercial construction classes · The commercial business segment corresponds to the commercial business class · The consumer segment includes the consumer auto, consumer other and home equity lines of credit classes Impaired loans are summarized as follows:
| September 30, 2012
|  | Unpaid |
| Recorded | Principal | Specific
| Balance | Balance | Allowance
(In Thousands) |  |  |
One- to four-family residential construction | $612 | $612 | $283
Subdivision construction | 3,204 | 4,854 | 310
Land development | 11,922 | 18,665 | 755
Commercial construction | -- | -- | --
Owner occupied one- to four-family residential | 5,168 | 5,392 | 493
Non-owner occupied one- to four-family residential | 9,067 | 9,491 | 615
Commercial real estate | 49,052 | 49,921 | 3,299
Other residential | 18,517 | 19,781 | 711
Commercial business | 3,423 | 3,774 | 1,541
Industrial revenue bonds | 2,785 | 2,865 | --
Consumer auto | 160 | 177 | 25
Consumer other | 781 | 837 | 116
Home equity lines of credit | 177 | 177 | 36
Total | $104,868 | $116,546 | $8,184
| September 30, 2011
|  | Unpaid |
| Recorded | Principal | Specific
| Balance | Balance | Allowance
(In Thousands) |  |  |
One- to four-family residential construction | $2,708 | $4,138 | $358
Subdivision construction | 12,159 | 16,992 | 1,016
Land development | 6,436 | 6,489 | 985
Commercial construction | -- | -- | --
Owner occupied one- to four-family residential | 5,202 | 5,793 | 792
Non-owner occupied one- to four-family residential | 8,752 | 8,987 | 945
Commercial real estate | 52,567 | 53,533 | 3,695
Other residential | 8,286 | 9,259 | 66
Commercial business | 2,917 | 4,395 | 451
Industrial revenue bonds | 2,110 | 2,190 | 22
Consumer auto | 117 | 134 | 3
Consumer other | 432 | 536 | 23
Home equity lines of credit | 197 | 208 | 12
Total | $101,883 | $112,654 | $8,368
| December 31, 2011
|  | Unpaid |
| Recorded | Principal | Specific
| Balance | Balance | Allowance
(In Thousands) |  |  |
One- to four-family residential construction | $873 | $917 | $12
Subdivision construction | 12,999 | 14,730 | 2,953
Land development | 7,150 | 7,317 | 594
Commercial construction | -- | -- | --
Owner occupied one- to four-family residential | 5,481 | 6,105 | 776
Non-owner occupied one- to four-family residential | 11,259 | 11,768 | 1,249
Commercial real estate | 49,961 | 55,233 | 3,562
Other residential | 12,102 | 12,102 | 89
Commercial business | 4,679 | 5,483 | 736
Industrial revenue bonds | 2,110 | 2,190 | 22
Consumer auto | 147 | 168 | 3
Consumer other | 579 | 680 | 22
Home equity lines of credit | 174 | 184 | 12
Total | $107,514 | $116,877 | $10,030
| Three Months Ended
| September 30, 2012
| Average |
| Investment | Interest
| in Impaired | Income
| Loans | Recognized
(In Thousands) |  |
One- to four-family residential construction | $612 | $17
Subdivision construction | 3,188 | 153
Land development | 15,826 | 408
Commercial construction | 1,020 | --
Owner occupied one- to four-family residential | 4,970 | 208
Non-owner occupied one- to four-family residential | 10,389 | 289
Commercial real estate | 42,607 | 1,742
Other residential | 17,718 | 686
Commercial business | 3,290 | 119
Industrial revenue bonds | 3,267 | --
Consumer auto | 154 | 12
Consumer other | 679 | 60
Home equity lines of credit | 134 | 9
Total | $103,854 | $3,703
| Nine Months Ended
| September 30, 2012
| Average |
| Investment | Interest
| in Impaired | Income
| Loans | Recognized
(In Thousands) |  |
One- to four-family residential construction | $738 | $39
Subdivision construction | 10,225 | 440
Land development | 12,286 | 889
Commercial construction | 510 | 35
Owner occupied one- to four-family residential | 5,094 | 370
Non-owner occupied one- to four-family residential | 10,854 | 743
Commercial real estate | 44,223 | 3,266
Other residential | 17,408 | 1,267
Commercial business | 3,927 | 279
Industrial revenue bonds | 3,117 | --
Consumer auto | 163 | 24
Consumer other | 662 | 122
Home equity lines of credit | 136 | 15
Total | $109,343 | $7,489
| Three Months Ended
| September 30, 2011
| Average |
| Investment | Interest
| in Impaired | Income
| Loans | Recognized
(In Thousands) |  |
One- to four-family residential construction | $2,334 | $16
Subdivision construction | 11,260 | 97
Land development | 7,034 | 68
Commercial construction | -- | --
Owner occupied one- to four-family residential | 4,399 | 21
Non-owner occupied one- to four-family residential | 8,603 | 84
Commercial real estate | 34,181 | 659
Other residential | 8,288 | 53
Commercial business | 2,560 | 18
Industrial revenue bonds | 2,110 | --
Consumer auto | 116 | 1
Consumer other | 473 | 1
Home equity lines of credit | 184 | --
Total | $81,542 | $1,018
| Nine Months Ended
| September 30, 2011
| Average |
| Investment | Interest
| in Impaired | Income
| Loans | Recognized
(In Thousands) |  |
One- to four-family residential construction | $2,033 | $34
Subdivision construction | 9,692 | 212
Land development | 10,846 | 301
Commercial construction | 411 | --
Owner occupied one- to four-family residential | 4,512 | 55
Non-owner occupied one- to four-family residential | 9,497 | 285
Commercial real estate | 28,915 | 1,120
Other residential | 10,118 | 244
Commercial business | 4,363 | 80
Industrial revenue bonds | 2,145 | --
Consumer auto | 213 | 5
Consumer other | 544 | 8
Home equity lines of credit | 239 | 1
Total | $83,528 | $2,345
| Year Ended December 31, 2011
| Average |
| Investment | Interest
| in Impaired | Income
| Loans | Recognized
(In Thousands) |  |
One- to four-family residential construction | $1,939 | $39
Subdivision construction | 10,154 | 282
Land development | 9,983 | 379
Commercial construction | 308 | --
Owner occupied one- to four-family residential | 4,748 | 76
Non-owner occupied one- to four-family residential | 9,658 | 425
Commercial real estate | 34,403 | 1,616
Other residential | 9,475 | 454
Commercial business | 4,173 | 125
Industrial revenue bonds | 2,137 | --
Consumer auto | 192 | 6
Consumer other | 544 | 10
Home equity lines of credit | 227 | 1
Total | $87,941 | $3,413
At September 30, 2012, $39.8 million of impaired loans had specific valuation allowances totaling $8.2 million. At December 31, 2011, all impaired loans had specific valuation allowances totaling $10.0 million. Previous to the third quarter of 2012, the Company reported all impaired loans as having specific valuation allowances, even though in many instances the allowance assigned to a particular loan was actually only the general valuation percentage used for that particular category of loans. In the third quarter of 2012, the Company began reporting specific valuation allowances on impaired loans only if the recorded loan balance was greater than the calculated fair value of the collateral supporting the loan. This change was also factored into the general valuation allowances recorded by the Company, and did not result in a significant change to the overall allowance for loan losses recorded by the Company. Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. At September 30, 2012, the Company had $8.0 million of construction loans, $18.2 million of single family and multi-family residential mortgage loans, $31.8 million of commercial real estate loans, $3.1 million of commercial business loans and $140,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $51.8 million were accruing interest at September 30, 2012. At December 31, 2011, the Company had $9.0 million of construction loans, $17.0 million of single family and multi-family residential mortgage loans, $31.3 million of commercial real estate loans, $671,000 of commercial business loans and $156,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $50.8 million were accruing interest at December 31, 2011. During the previous 12 months, 5 non-owner occupied residential mortgage loans totaling $605,000, 5 commercial real estate loans totaling $5.8 million, and 1 consumer loan totaling $20,000, were modified as troubled debt restructurings and had payment defaults subsequent to the modifications. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible. The Company reviews the credit quality of its loan portfolio using an internal grading system that classifies loans as “Satisfactory,” “Watch,” “Special Mention,” “Substandard and “Doubtful.” Substandard loans are characterized by the distinct possibility that the Bank will sustain some loss if certain deficiencies are not corrected. Doubtful loans are those having all the weaknesses inherent to those classified Substandard with the added characteristics that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Special mention loans possess potential weaknesses that deserve management’s close attention but do not expose the Bank to a degree of risk that warrants substandard classification. Loans classified as watch are being monitored because of indications of potential weaknesses or deficiencies that may require future classification as special mention or substandard. Loans not meeting any of the criteria previously described are considered satisfactory. The FDIC-covered loans are evaluated using this internal grading system. However, since these loans are accounted for in pools and are currently substantially covered through loss sharing agreements with the FDIC, all of the loan pools were considered satisfactory at September 30, 2012 and December 31, 2011, respectively. See Note 8 for further discussion of the acquired loan pools and loss sharing agreements. The loan grading system is presented by loan class below:
| September 30, 2012
|  |  | Special |  |  |
| Satisfactory | Watch | Mention | Substandard | Doubtful | Total
(In Thousands) |  |  |  |  |  |
One- to four-family residential |  |  |  |  |  |
construction | $30,135 | $-- | $-- | $612 | $-- | $30,747
Subdivision construction | 32,191 | 2,990 | -- | 2,206 | -- | 37,387
Land development | 51,016 | 5,201 | -- | 7,747 | -- | 63,964
Commercial construction | 124,612 | -- | -- | -- | -- | 124,612
Owner occupied one- to four- |  |  |  |  |  | --
family residential | 80,059 | 636 | -- | 3,391 | -- | 84,086
Non-owner occupied one- to four- |  |  |  |  |  | --
family residential | 134,147 | 6,071 | -- | 8,636 | -- | 148,854
Commercial real estate | 568,150 | 52,279 | -- | 30,523 | -- | 650,952
Other residential | 253,493 | 9,466 | -- | 9,312 | -- | 272,271
Commercial business | 244,179 | 7,839 | -- | 1,107 | 2,316 | 255,441
Industrial revenue bonds | 41,424 | 675 | -- | 2,110 | -- | 44,209
Consumer auto | 74,679 | -- | -- | 159 | -- | 74,838
Consumer other | 81,813 | -- | -- | 742 | -- | 82,555
Home equity lines of credit | 53,206 | -- | -- | 177 | -- | 53,383
FDIC-supported loans, net of |  |  |  |  |  |
Discounts (TeamBank) | 87,873 | -- | -- | -- | -- | 87,873
FDIC-supported loans, net of |  |  |  |  |  |
discounts (Vantus Bank) | 105,050 | -- | -- | -- | -- | 105,050
FDIC-supported loans, net of |  |  |  |  |  |
discounts (Sun Security Bank) | 101,951 | -- | -- | -- | -- | 101,951
FDIC-supported loans, net of |  |  |  |  |  |
discounts (InterBank) | 269,889 | -- | -- | -- | -- | 269,889
Total | $2,333,867 | $85,157 | $-- | $66,722 | $2,316 | $2,488,062
| December 31, 2011
|  |  | Special |  |
| Satisfactory | Watch | Mention | Substandard | Total
(In Thousands) |  |  |  |  |
One- to four-family residential |  |  |  |  |
construction | $21,436 | $2,354 | $-- | $186 | $23,976
Subdivision construction | 45,754 | 2,701 | -- | 12,685 | 61,140
Land development | 41,179 | 20,902 | 245 | 6,445 | 68,771
Commercial construction | 119,589 | -- | -- | -- | 119,589
Owner occupied one- to four-family |  |  |  |  |
residential | 86,725 | 1,018 | -- | 4,251 | 91,994
Non-owner occupied one- to four-family |  |  |  |  |
residential | 129,458 | 5,232 | 249 | 10,842 | 145,781
Commercial real estate | 542,712 | 51,757 | 13,384 | 32,004 | 639,857
Other residential | 222,940 | 13,262 | -- | 7,540 | 243,742
Commercial business | 225,664 | 5,403 | 638 | 4,679 | 236,384
Industrial revenue bonds | 57,640 | -- | -- | 2,110 | 59,750
Consumer auto | 59,237 | -- | -- | 131 | 59,368
Consumer other | 77,006 | -- | -- | 534 | 77,540
Home equity lines of credit | 46,940 | -- | -- | 174 | 47,114
FDIC-supported loans, net of discounts |  |  |  |  |
(TeamBank) | 128,875 | -- | -- | -- | 128,875
FDIC-supported loans, net of discounts |  |  |  |  |
(Vantus Bank) | 123,036 | -- | -- | -- | 123,036
FDIC-supported loans, net of discounts |  |  |  |  |
(Sun Security Bank) | 144,626 | -- | -- | -- | 144,626
Total | $2,072,817 | $102,629 | $14,516 | $81,581 | $2,271,543

X
- Details
Name: | us-gaap_DisclosureTextBlockAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5066-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Article 9 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Statement of Position (SOP) -Number 01-6 -Paragraph 13 -Subparagraph d -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11 -URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5162-111524 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 02 -Paragraph 3, 4 -Article 5 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(k)) -URI http://asc.fasb.org/extlink&oid=6881521&loc=d3e23780-122690 Reference 7: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 Reference 8: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Article 4 -Section 08 -Paragraph k Reference 9: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 4 -URI http://asc.fasb.org/extlink&oid=6965416&loc=d3e5074-111524 + Details
Name: | us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration