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LOANS AND ALLOWANCE FOR CREDIT LOSSES

9 Months Ended

Sep. 30, 2025

LOANS AND ALLOWANCE FOR CREDIT LOSSES

NOTE 6: LOANS AND ALLOWANCE FOR CREDIT LOSSES

The Company measures the allowance for credit losses under ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, referred to as the CECL methodology. The measurement of expected credit losses under the CECL methodology is applicable to financial assets measured at amortized cost, including loans receivable. It also applies to off-balance sheet credit exposures not accounted for as insurance, including loan commitments, standby letters of credits, financial guarantees, and other similar instruments.

Classes of loans at September 30, 2025 and December 31, 2024 were as follows:


	September 30,			December 31,
	2025			2024

	(In Thousands)
One- to four-family residential construction	$	21,856		$	30,533
Subdivision construction		25,452			19,861
Land development		32,725			42,504
Commercial construction		242,936			352,793
Owner occupied one- to four-family residential		672,276			710,446
Non-owner occupied one- to four-family residential		124,516			122,901
Commercial real estate		1,530,990			1,543,742
Other residential (multi-family)		1,485,546			1,549,249
Commercial business		230,299			220,291
Consumer auto		24,447			25,787
Consumer other		23,712			27,905
Home equity lines of credit		123,359			115,836
		4,538,114			4,761,848
Allowance for credit losses		(64,749)			(64,760)
Deferred loan fees and gains, net		(5,682)			(6,695)
	$	4,467,683		$	4,690,393

Weighted average interest rate		6.11	%		6.08	%

Classes of loans by aging were as follows, as of the dates indicated.


	September 30, 2025
													Total Loans
					Over 90						Total		> 90 Days Past
	30-59 Days		60-89 Days		Days		Total Past				Loans		Due and
	Past Due		Past Due		Past Due		Due		Current		Receivable		Still Accruing

	(In Thousands)
One- to four-family residential construction	$	6	$	—	$	—	$	6	$	21,850	$	21,856	$	—
Subdivision construction		—		—		—		—		25,452		25,452		—
Land development		—		—		—		—		32,725		32,725		—
Commercial construction		—		—		—		—		242,936		242,936		—
Owner occupied one- to four-family residential		—		77		582		659		671,617		672,276		—
Non-owner occupied one- to four-family residential		—		—		1,124		1,124		123,392		124,516		—
Commercial real estate		—		—		—		—		1,530,990		1,530,990		—
Other residential (multi-family)		—		—		—		—		1,485,546		1,485,546		—
Commercial business		—		—		—		—		230,299		230,299		—
Consumer auto		20		3		9		32		24,415		24,447		—
Consumer other		65		2		13		80		23,632		23,712		—
Home equity lines of credit		93		—		—		93		123,266		123,359		—
Total	$	184	$	82	$	1,728	$	1,994	$	4,536,120	$	4,538,114	$	—


	December 31, 2024
													Total Loans
					Over 90						Total		> 90 Days Past
	30-59 Days		60-89 Days		Days		Total Past				Loans		Due and
	Past Due		Past Due		Past Due		Due		Current		Receivable		Still Accruing

	(In Thousands)
One- to four-family residential construction	$	12	$	—	$	—	$	12	$	30,521	$	30,533	$	—
Subdivision construction		—		—		—		—		19,861		19,861		—
Land development		—		—		464		464		42,040		42,504		—
Commercial construction		—		—		—		—		352,793		352,793		—
Owner occupied one- to four-family residential		1,704		816		950		3,470		706,976		710,446		—
Non-owner occupied one- to four-family residential		642		—		1,681		2,323		120,578		122,901		—
Commercial real estate		—		—		77		77		1,543,665		1,543,742		—
Other residential (multi-family)		—		—		—		—		1,549,249		1,549,249		—
Commercial business		—		—		384		384		219,907		220,291		—
Consumer auto		39		1		—		40		25,747		25,787		—
Consumer other		145		4		17		166		27,739		27,905		—
Home equity lines of credit		63		56		—		119		115,717		115,836		—
Total	$	2,605	$	877	$	3,573	$	7,055	$	4,754,793	$	4,761,848	$	—

Loans are placed on nonaccrual status at 90 days past due and interest is considered a loss unless the loan is well secured and in the process of collection. Payments received on nonaccrual loans are applied to principal until the loans are returned to accrual status. Loans are returned to accrual status when all payments contractually due are brought current, payment performance is sustained for a period of time, generally six months, and future payments are reasonably assured. With the exception of consumer loans, charge-offs on loans are recorded when available information indicates a loan is not fully collectible and the loss is reasonably quantifiable. Consumer loans are charged-off at specified delinquency dates consistent with regulatory guidelines.

Nonaccruing loans are summarized as follows:


	September 30,		December 31,
	2025		2024

	(In Thousands)
One- to four-family residential construction	$	—	$	—
Subdivision construction		—		—
Land development		—		464
Commercial construction		—		—
Owner occupied one- to four-family residential		582		950
Non-owner occupied one- to four-family residential		1,124		1,681
Commercial real estate		—		77
Other residential (multi-family)		—		—
Commercial business		—		384
Consumer auto		9		—
Consumer other		13		17
Home equity lines of credit		—		—
Total nonaccruing loans	$	1,728	$	3,573

During the three and nine months ended September 30, 2025, the Company recorded $74,000 and $189,000, respectively, in interest income related to recoveries on nonaccrual loans. No interest income was recorded on nonaccrual loans for the three or nine months ended September 30, 2024.

Nonaccrual loans for which there is no related allowance for credit losses as of September 30, 2025 and December 31, 2024, had an amortized cost of $1.7 million and $2.2 million, respectively. These loans were individually assessed and did not require an allowance due to being adequately collateralized under the collateral-dependent valuation method at those dates. A collateral-dependent loan is a financial asset for which the repayment is expected to be provided substantially through the operation or sale of the collateral when the borrower is experiencing financial difficulty based on the Company’s assessment as of the reporting date. Collateral-dependent loans are identified primarily by a classified risk rating with a loan balance equal to or greater than $100,000, including, but not limited to, any loan in the process of foreclosure or repossession.

The following table presents the activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 30, 2025 and 2024. During the three and nine months ended September 30, 2025, the Company did not record a provision expense on its portfolio of outstanding loans. During the three months ended September 30, 2024, the Company recorded provision expense of $1.2 million on its portfolio of outstanding loans and during the nine months ended September 30, 2024, the Company recorded provision expense of $1.7 million on its portfolio of outstanding loans.


	One- to Four-
	Family
	Residential and		Other		Commercial		Commercial		Commercial
	Construction		Residential		Real Estate		Construction		Business		Consumer		Total

	(In Thousands)
Allowance for credit losses
Balance, June 30, 2024	$	9,678	$	13,886	$	29,469	$	2,841	$	5,677	$	3,704	$	65,255
Provision (credit) charged to expense		(463)		1,708		633		(106)		(930)		358		1,200
Losses charged off		—		—		(1,235)		—		(164)		(332)		(1,731)
Recoveries		4		—		—		—		17		170		191
Balance, September 30, 2024	$	9,219	$	15,594	$	28,867	$	2,735	$	4,600	$	3,900	$	64,915

Allowance for credit losses
Balance, June 30, 2025	$	9,204	$	15,594	$	28,794	$	2,936	$	4,712	$	3,575	$	64,815
Provision (credit) charged to expense		—		—		—		—		—		—		—
Losses charged off		—		—		—		—		(32)		(270)		(302)
Recoveries		2		—		—		—		90		144		236
Balance, September 30, 2025	$	9,206	$	15,594	$	28,794	$	2,936	$	4,770	$	3,449	$	64,749


	One- to Four-
	Family
	Residential and		Other		Commercial		Commercial		Commercial
	Construction		Residential		Real Estate		Construction		Business		Consumer		Total

	(In Thousands)
Allowance for credit losses
Balance, January 1, 2024	$	9,820	$	13,370	$	28,171	$	2,844	$	6,935	$	3,530	$	64,670
Provision (credit) charged to expense		(570)		2,224		1,931		(202)		(2,526)		843		1,700
Losses charged off		(65)		—		(1,235)		(101)		(195)		(1,111)		(2,707)
Recoveries		34		—		—		194		386		638		1,252
Balance, September 30, 2024	$	9,219	$	15,594	$	28,867	$	2,735	$	4,600	$	3,900	$	64,915

Allowance for credit losses
Balance, January 1, 2025	$	9,224	$	15,594	$	28,802	$	2,735	$	4,656	$	3,749	$	64,760
Provision (credit) charged to expense		—		—		—		—		—		—		—
Losses charged off		(46)		—		(8)		—		(179)		(745)		(978)
Recoveries		28		—		—		201		293		445		967
Balance, September 30, 2025	$	9,206	$	15,594	$	28,794	$	2,936	$	4,770	$	3,449	$	64,749

The following table presents the activity in the allowance for unfunded commitments by portfolio segment for the three and nine months ended September 30, 2025 and 2024. The provision for losses on unfunded commitments for the three months ended September 30, 2025 was a credit (negative expense) of $379,000, compared to a credit (negative expense) of $63,000 for the three months ended September 30, 2024. The provision for losses on unfunded commitments for the nine months ended September 30, 2025 was a credit (negative expense) of $837,000, compared to a credit (negative expense) of $540,000 for the nine months ended September 30, 2024.


	One- to Four-
	Family
	Residential and		Other		Commercial		Commercial		Commercial
	Construction		Residential		Real Estate		Construction		Business		Consumer		Total

	(In Thousands)
Allowance for unfunded commitments
Balance, June 30, 2024	$	673	$	3,346	$	646	$	550	$	1,343	$	452	$	7,010
Provision (credit) charged to expense		(262)		(543)		(19)		(57)		801		17		(63)
Balance, September 30, 2024	$	411	$	2,803	$	627	$	493	$	2,144	$	469	$	6,947

Allowance for unfunded commitments
Balance, June 30, 2025	$	755	$	4,603	$	681	$	472	$	1,147	$	387	$	8,045
Provision (credit) charged to expense		46		(136)		(91)		(94)		(84)		(20)		(379)
Balance, September 30, 2025	$	801	$	4,467	$	590	$	378	$	1,063	$	367	$	7,666


	One- to Four-
	Family
	Residential and		Other		Commercial		Commercial		Commercial
	Construction		Residential		Real Estate		Construction		Business		Consumer		Total

	(In Thousands)
Allowance for unfunded commitments
Balance, January 1, 2024	$	706	$	4,006	$	619	$	741	$	959	$	456	$	7,487
Provision (credit) charged to expense		(295)		(1,203)		8		(248)		1,185		13		(540)
Balance, September 30, 2024	$	411	$	2,803	$	627	$	493	$	2,144	$	469	$	6,947

Allowance for unfunded commitments
Balance, January 1, 2025	$	619	$	4,833	$	653	$	496	$	1,468	$	434	$	8,503
Provision (credit) charged to expense		182		(366)		(63)		(118)		(405)		(67)		(837)
Balance, September 30, 2025	$	801	$	4,467	$	590	$	378	$	1,063	$	367	$	7,666

The portfolio segments used in the preceding tables correspond to the loan classes used in all other tables in Note 6 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 (multi-family) segment corresponds to the other residential (multi-family) 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.

The following table presents the amortized cost basis of collateral-dependent loans by class of loans:


	September 30, 2025				December 31, 2024
	Principal		Specific		Principal		Specific
	Balance		Allowance		Balance		Allowance

	(In Thousands)
One- to four-family residential construction	$	—	$	—	$	—	$	—
Subdivision construction		—		—		—		—
Land development		—		—		464		12
Commercial construction		—		—		—		—
Owner occupied one- to four- family residential		1,223		—		1,677		—
Non-owner occupied one- to four-family residential		1,124		—		1,681		261
Commercial real estate		—		—		4,253		—
Other residential (multi-family)		—		—		—		—
Commercial business		—		—		384		245
Consumer auto		—		—		—		—
Consumer other		—		—		—		—
Home equity lines of credit		—		—		1,390		—

Total	$	2,347	$	—	$	9,849	$	518

Modified Loans. Loan modifications are reported if concessions have been granted to borrowers that are experiencing financial difficulty. The estimate of lifetime expected losses utilized in the allowance for credit losses model is developed using average historical loss on loans with similar risk characteristics, which includes losses from modifications of loans to borrowers experiencing financial difficulty. As a result, a charge to the allowance for credit losses is generally not recorded upon modification. For modifications to loans made to borrowers experiencing financial difficulty that are adversely classified, the Company determines the allowance for credit losses on an individual basis, using the same process that it utilizes for other adversely classified loans. If collection efforts have begun and the modified loan is subsequently deemed collateral-dependent, the loan is placed on nonaccrual status and the allowance for credit losses is determined based on an individual evaluation. If necessary, the loan is charged down to fair market value less estimated sales costs.

The following table shows, as of the date indicated, the composition of modifications made to loans to borrowers experiencing financial difficulty, by the loan class and type of concession granted. There were no such modifications during the nine months ended September 30, 2025. During the three and nine months ended September 30, 2025, principal forgiveness of $27,000 and $34,000, respectively, was completed on consumer loans. During the three and nine months ended September 30, 2024, principal forgiveness of $20,000 and $275,000, respectively, was completed on consumer loans and a land development loan.


	Amortized Cost Basis at December 31, 2024
	Interest Rate		Term				Total
	Reduction		Extension		Combination		Modifications

		(In Thousands)
Construction and land development	$	—	$	—	$	—	$	—
One- to four-family residential		—		—		—		—
Other residential (multi-family)		—		2,709		—		2,709
Commercial real estate		—		70		—		70
Commercial business		—		—		—		—
Consumer		—		31		—		31
	$	—	$	2,810	$	—	$	2,810

The Company closely monitors the performance of loans to borrowers experiencing financial difficulty that are modified to understand the effectiveness of its modification efforts. The following table depicts the performance of loans (under modified terms) at December 31, 2024. There were no such loans at September 30, 2025.


	December 31, 2024
			30-89 Days		Over 90 Days
	Current		Past Due		Past Due		Total

	(In Thousands)
Construction and land development	$	—	$	—	$	—	$	—
One- to four-family residential		—		—		—		—
Other residential (multi-family)		2,709		—		—		2,709
Commercial real estate		70		—		—		70
Commercial business		—		—		—		—
Consumer		31		—		—		31
	$	2,810	$	—	$	—	$	2,810

Loan Risk Ratings. The Company utilizes an internal risk rating system comprised of a series of grades to categorize loans according to perceived risk associated with the expectation of debt repayment. The analysis of the borrower’s ability to repay considers specific information, including, but not limited to, current financial information, historical payment experience, industry information and collateral levels and types. A risk rating is assigned at loan origination and then monitored throughout the contractual term for possible risk rating changes.

Satisfactory loans range from Excellent to Moderate Risk, but generally are loans supported by strong recent financial statements. The character and capacity of the borrower are solid, including reasonable project performance, good industry experience, liquidity and/or net worth. The probability of financial deterioration seems unlikely. Repayment is expected from approved sources over a reasonable period of time.

Watch loans are identified when the borrower has capacity to perform according to terms; however, elements of uncertainty exist. Margins of debt service coverage may be narrow, historical patterns of financial performance may be erratic, collateral margins may be diminished or the borrower may be a new and/or thinly capitalized company. Some management weakness on the part of the borrower may also exist, the borrower may have somewhat limited access to other financial institutions, and that access may diminish in difficult economic times.

Special Mention loans have weaknesses that deserve management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of repayment prospects or the Bank’s credit position at some future date. This is a transitional grade closely monitored for improvement or deterioration.

The Substandard rating is applied to loans where the borrower exhibits well-defined weaknesses that jeopardize its continued performance and are of a severity that the distinct possibility of default exists. Loans are placed on “nonaccrual” when management does not expect to collect payments consistent with acceptable and agreed upon terms of repayment.

Doubtful loans have all the weaknesses inherent to those classified Substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, highly questionable and improbable.

The Loss category is used when loans are considered uncollectable and no longer included as an asset.

All loans are analyzed for risk rating updates regularly. For larger loans, rating assessments may be more frequent if relevant information is obtained earlier through debt covenant monitoring or overall relationship management. Smaller loans are monitored as identified by the loan officer based on the risk profile of the individual borrower or if the loan becomes past due related to credit issues. Loans rated Watch, Special Mention, Substandard or Doubtful are subject to formal quarterly review and continuous monitoring processes. In addition to the regular monitoring performed by the lending personnel and credit committees, loans are subject to review by the credit review department, which verifies the appropriateness of the risk ratings for the loans chosen as part of its risk-based review plan.

The following tables present a summary of loans by category and risk rating separated by origination and loan class as of September 30, 2025 and December 31, 2024.


	Term Loans by Origination Year
													Revolving
September 30, 2025	2025 YTD		2024		2023		2022		2021		Prior		Loans		Total

	(In Thousands)
One- to four-family residential construction
Satisfactory (1-4)	$	6,449	$	4,465	$	3,162	$	822	$	—	$	—	$	6,958	$	21,856
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		6,449		4,465		3,162		822		—		—		6,958		21,856
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Subdivision construction
Satisfactory (1-4)		790		3,899		339		265		17,368		437		2,354		25,452
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		790		3,899		339		265		17,368		437		2,354		25,452
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Construction and land development
Satisfactory (1-4)		5,666		9,929		4,250		2,329		392		7,267		2,892		32,725
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		5,666		9,929		4,250		2,329		392		7,267		2,892		32,725
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Other construction
Satisfactory (1-4)		24,194		146,042		11,306		43,233		18,161		—		—		242,936
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		24,194		146,042		11,306		43,233		18,161		—		—		242,936
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

One- to four-family residential
Satisfactory (1-4)		48,726		40,795		53,640		278,886		157,517		212,337		1,315		793,216
Watch (5)		—		—		—		—		—		714		—		714
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		29		71		475		270		1,403		614		2,862
Total		48,726		40,824		53,711		279,361		157,787		214,454		1,929		796,792
Current Period Gross Charge Offs		—		—		—		21		16		9		—		46

Other residential (multi-family)
Satisfactory (1-4)		88,290		120,379		112,729		578,941		358,548		220,649		3,336		1,482,872
Watch (5)		—		—		—		—		—		2,674		—		2,674
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		88,290		120,379		112,729		578,941		358,548		223,323		3,336		1,485,546
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Commercial real estate
Satisfactory (1-4)		37,758		127,216		98,011		320,790		191,515		702,547		30,562		1,508,399
Watch (5)		—		—		—		10,548		—		7,768		—		18,316
Special Mention (6)		—		—		—		—		—		4,275		—		4,275
Classified (7-9)		—		—		—		—		—		—		—		—
Total		37,758		127,216		98,011		331,338		191,515		714,590		30,562		1,530,990
Current Period Gross Charge Offs		—		—		—		—		8		—		—		8

Commercial business
Satisfactory (1-4)		24,074		24,280		10,538		14,740		16,521		39,846		96,840		226,839
Watch (5)		—		—		—		863		2,568		29		—		3,460
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		24,074		24,280		10,538		15,603		19,089		39,875		96,840		230,299
Current Period Gross Charge Offs		—		—		—		—		—		135		44		179

Consumer
Satisfactory (1-4)		12,968		11,513		5,566		3,239		1,280		8,232		127,310		170,108
Watch (5)		—		—		—		1		—		190		72		263
Special Mention (6)		—		—		—		—		—		—		883		883
Classified (7-9)		—		1		20		11		14		47		171		264
Total		12,968		11,514		5,586		3,251		1,294		8,469		128,436		171,518
Current Period Gross Charge Offs		19		43		21		14		2		643		3		745

Combined
Satisfactory (1-4)		248,915		488,518		299,541		1,243,245		761,302		1,191,315		271,567		4,504,403
Watch (5)		—		—		—		11,412		2,568		11,375		72		25,427
Special Mention (6)		—		—		—		—		—		4,275		883		5,158
Classified (7-9)		—		30		91		486		284		1,450		785		3,126
Total	$	248,915	$	488,548	$	299,632	$	1,255,143	$	764,154	$	1,208,415	$	273,307	$	4,538,114
Current Period Gross Charge Offs	$	19	$	43	$	21	$	35	$	26	$	787	$	47	$	978


	Term Loans by Origination Year
													Revolving
December 31, 2024	2024		2023		2022		2021		2020		Prior		Loans		Total

	(In Thousands)
One- to four-family residential construction
Satisfactory (1-4)	$	11,750	$	8,961	$	822	$	—	$	—	$	—	$	9,000	$	30,533
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		11,750		8,961		822		—		—		—		9,000		30,533
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Subdivision construction
Satisfactory (1-4)		711		182		136		17,609		29		205		989		19,861
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		711		182		136		17,609		29		205		989		19,861
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Construction and land development
Satisfactory (1-4)		18,282		6,112		2,722		5,210		3,105		4,236		2,373		42,040
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		464		—		—		464
Total		18,282		6,112		2,722		5,210		3,569		4,236		2,373		42,504
Current Period Gross Charge Offs		—		—		—		—		—		101		—		101

Other construction
Satisfactory (1-4)		78,337		52,046		189,389		33,021		—		—		—		352,793
Watch (5)		—		—		—		—		—		—		—		—
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		78,337		52,046		189,389		33,021		—		—		—		352,793
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

One- to four-family residential
Satisfactory (1-4)		42,931		59,973		304,054		176,759		91,238		153,392		426		828,773
Watch (5)		—		—		—		—		145		597		—		742
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		628		387		129		—		1,178		1,510		3,832
Total		42,931		60,601		304,441		176,888		91,383		155,167		1,936		833,347
Current Period Gross Charge Offs		—		49		—		—		—		16		—		65

Other residential (multi-family)
Satisfactory (1-4)		66,028		92,268		552,183		506,902		179,094		146,712		3,352		1,546,539
Watch (5)		—		—		—		—		—		2,710		—		2,710
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		—		—		—		—		—		—		—		—
Total		66,028		92,268		552,183		506,902		179,094		149,422		3,352		1,549,249
Current Period Gross Charge Offs		—		—		—		—		—		—		—		—

Commercial real estate
Satisfactory (1-4)		97,512		81,282		320,442		217,049		96,246		682,549		35,937		1,531,017
Watch (5)		—		—		—		—		—		7,879		—		7,879
Special Mention (6)		—		—		—		—		—		438		—		438
Classified (7-9)		—		—		—		77		—		4,331		—		4,408
Total		97,512		81,282		320,442		217,126		96,246		695,197		35,937		1,543,742
Current Period Gross Charge Offs		—		—		54		10		—		1,236		—		1,300

Commercial business
Satisfactory (1-4)		21,179		29,846		28,678		20,301		7,646		44,908		62,015		214,573
Watch (5)		—		—		1,005		3,296		—		—		—		4,301
Special Mention (6)		—		—		995		—		38		—		—		1,033
Classified (7-9)		—		245		—		—		—		139		—		384
Total		21,179		30,091		30,678		23,597		7,684		45,047		62,015		220,291
Current Period Gross Charge Offs		—		—		—		4		27		164		48		243

Consumer
Satisfactory (1-4)		17,391		9,234		6,147		2,618		1,151		10,478		120,653		167,672
Watch (5)		—		—		5		—		4		194		107		310
Special Mention (6)		—		—		—		—		—		—		—		—
Classified (7-9)		1		9		11		20		—		53		1,452		1,546
Total		17,392		9,243		6,163		2,638		1,155		10,725		122,212		169,528
Current Period Gross Charge Offs		13		105		122		32		4		1,161		54		1,491

Combined
Satisfactory (1-4)		354,121		339,904		1,404,573		979,469		378,509		1,042,480		234,745		4,733,801
Watch (5)		—		—		1,010		3,296		149		11,380		107		15,942
Special Mention (6)		—		—		995		—		38		438		—		1,471
Classified (7-9)		1		882		398		226		464		5,701		2,962		10,634
Total	$	354,122	$	340,786	$	1,406,976	$	982,991	$	379,160	$	1,059,999	$	237,814	$	4,761,848
Current Period Gross Charge Offs	$	13	$	154	$	176	$	46	$	31	$	2,678	$	102	$	3,200