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Note 6: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)
3 Months Ended
Mar. 31, 2016
Tables/Schedules  
Financing Receivable Credit Quality Indicators

 

The loan grading system is presented by loan class below:

 

 

 

March 31, 2016

 

 

 

Special

 

 

 

 

Satisfactory

Watch

Mention

Substandard

Doubtful

Total

(In Thousands)

 

 

 

 

 

 

One- to four-family residential

 

 

 

 

 

 

construction

$27,097

$

$710

$

$

$27,807

Subdivision construction

24,273

261

3,363

431

28,328

Land development

55,031

6,978

4,089

66,098

Commercial construction

629,846

629,846

Owner occupied one- to four-

 

 

 

 

 

 

family residential

226,786

511

1,279

228,576

Non-owner occupied one- to four-

 

 

 

 

 

 

family residential

143,569

717

3,459

716

148,461

Commercial real estate

1,007,471

23,519

17,190

1,048,180

Other residential

404,801

8,384

1,932

415,117

Commercial business

350,273

1,366

433

354

352,426

Industrial revenue bonds

36,407

36,407

Consumer auto

467,969

952

468,921

Consumer other

74,247

740

74,987

Home equity lines of credit

98,313

447

98,760

Acquired FDIC-covered loans,

 

 

 

 

 

 

net of discounts

224,330

12

224,342

Acquired loans no longer covered

 

 

 

 

 

 

 by FDIC loss sharing

 

 

 

 

 

 

agreements, net of discounts

31,689

72

31,761

Acquired non-covered loans,

 

 

 

 

 

 

net of discounts

86,634

1,584

88,218

 

 

 

 

 

 

 

Total

$3,888,736

$41,736

$7,965

$29,798

$

$3,968,235

 

 

December 31, 2015

 

 

 

Special

 

 

 

 

Satisfactory

Watch

Mention

Substandard

Doubtful

Total

(In Thousands)

 

 

 

 

 

 

One- to four-family residential

 

 

 

 

 

 

construction

$22,798

$—

$728

$—

$—

$23,526

Subdivision construction

34,370

263

3,407

464

38,504

Land development

47,357

6,992

4,091

58,440

Commercial construction

600,794

600,794

Owner occupied one- to-four-

 

 

 

 

 

 

family residential

108,584

587

1,106

110,277

Non-owner occupied one- to-

 

 

 

 

 

 

four-family residential

144,744

516

3,827

787

149,874

Commercial real estate

1,005,894

18,805

18,775

1,043,474

Other residential

409,172

8,422

1,955

419,549

Commercial business

355,370

1,303

438

469

357,580

Industrial revenue bonds

37,362

37,362

Consumer auto

439,157

738

439,895

Consumer other

74,167

662

74,829

Home equity lines of credit

83,627

339

83,966

Acquired FDIC-covered loans,

 

 

 

 

 

 

net of discounts

236,055

16

236,071

Acquired loans no longer covered

 

 

 

 

 

 

by FDIC loss sharing

 

 

 

 

 

 

agreements, net of discounts

33,237

101

33,338

Acquired non-covered loans, 

 

 

 

 

 

 

net of discounts

91,614

1,822

93,436

 

 

 

 

 

 

 

Total

$3,724,302

$36,888

$8,400

$31,325

$—

$3,800,915