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Note 6: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)
9 Months Ended
Sep. 30, 2016
Tables/Schedules  
Financing Receivable Credit Quality Indicators

 

The loan grading system is presented by loan class below:

 

 

 

September 30, 2016

 

 

 

Special

 

 

 

 

Satisfactory

Watch

Mention

Substandard

Doubtful

Total

 

(In Thousands)

 

 

 

 

 

 

 

One- to four-family residential

 

 

 

 

 

 

construction

  $         25,529

$                 

$             1,011

  $                 

$                 

  $          26,540

Subdivision construction

              13,543

18

               2,987

                     399

                   

              16,947

Land development

              42,889

5,140

                   

                 5,556

                   

              53,585

Commercial construction

            700,232

                   

                       —

                   

            700,232

Owner occupied one- to four-

 

 

 

                          

 

 

family residential

            213,964

30

                   

                  1,307

                   

            215,301

Non-owner occupied one- to four-

 

 

 

                          

 

                        

family residential

            133,134

471

               3,421

                     474

                   

            137,500

Commercial real estate

         1,142,425

20,819

                   

                  9,278

                   

         1,172,522

Other residential

            638,413

4,519

                   

                     178

                   

            643,110

Commercial business

            343,978

2,440

                  424

                     527

                   

            347,369

Industrial revenue bonds

              25,215

                   

                      

                   

              25,215

Consumer auto

            496,491

                   

                  1,607

                   

            498,098

Consumer other

              69,665

                   

                     734

                   

              70,399

Home equity lines of credit

            103,644

                    —

                     370

                   

            104,014

Acquired FDIC-covered loans,

 

 

 

 

 

 

net of discounts

            144,224

                   

                     196

                   

            144,420

Acquired loans no longer covered

 

 

 

 

 

 

 by FDIC loss sharing

 

 

 

 

 

 

agreements, net of discounts

              78,833

                   

                       52

                   

              78,885

Acquired non-covered loans,

 

 

 

 

 

 

net of discounts

             80,559

                   —

                   

                  1,427

                   

              81,986

 

 

 

 

 

 

 

Total

$     4,252,738

$          33,437

$             7,843

$              22,105

$                 

  $     4,316,123

 

 

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