LOANS AND ALLOWANCE FOR CREDIT LOSSES

6 Months Ended

Jun. 30, 2026

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 credit, financial guarantees, and other similar instruments.

Classes of loans at June 30, 2026 and December 31, 2025 were as follows:


		June 30,			December 31,
		2026			2025

		(In Thousands)
One- to four-family residential construction		$	38,164		$	30,258
Subdivision construction			34,141			32,160
Land development			51,546			37,519
Commercial construction			278,513			249,224
Owner occupied one- to four-family residential			655,316			656,699
Non-owner occupied one- to four-family residential			132,727			125,298
Commercial real estate			1,482,857			1,556,148
Other residential (multi-family)			1,347,498			1,387,410
Commercial business			173,594			178,514
Consumer auto			22,489			24,169
Consumer other			20,910			22,249
Home equity lines of credit			139,377			128,030
			4,377,132			4,427,678
Allowance for credit losses			(63,965)			(64,771)
Deferred loan fees and gains, net			(5,455)			(6,054)
		$	4,307,712		$	4,356,853

Weighted average interest rate			5.80	%		5.76	%

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


		June 30, 2026
																				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		$	—		$	—		$	—		$	—		$	38,164		$	38,164		$	—
Subdivision construction			—			—			—			—			34,141			34,141			—
Land development			—			—			—			—			51,546			51,546			—
Commercial construction			—			—			—			—			278,513			278,513			—
Owner occupied one- to four-family residential			49			44			990			1,083			654,233			655,316			—
Non-owner occupied one- to four-family residential			—			—			—			—			132,727			132,727			—
Commercial real estate			244			—			—			244			1,482,613			1,482,857			—
Other residential (multi-family)			—			—			—			—			1,347,498			1,347,498			—
Commercial business			—			—			36			36			173,558			173,594			—
Consumer auto			—			10			—			10			22,479			22,489			—
Consumer other			77			2			7			86			20,824			20,910			—
Home equity lines of credit			30			—			—			30			139,347			139,377			—
Total		$	400		$	56		$	1,033		$	1,489		$	4,375,643		$	4,377,132		$	—


		December 31, 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		$	—		$	—		$	—		$	—		$	30,258		$	30,258		$	—
Subdivision construction			—			—			—			—			32,160			32,160			—
Land development			—			—			—			—			37,519			37,519			—
Commercial construction			—			—			—			—			249,224			249,224			—
Owner occupied one- to four-family residential			830			521			631			1,982			654,717			656,699			—
Non-owner occupied one- to four-family residential			—			—			1,435			1,435			123,863			125,298			—
Commercial real estate			70			—			—			70			1,556,078			1,556,148			—
Other residential (multi-family)			24,762			—			—			24,762			1,362,648			1,387,410			—
Commercial business			—			—			—			—			178,514			178,514			—
Consumer auto			27			12			—			39			24,130			24,169			—
Consumer other			128			30			10			168			22,081			22,249			—
Home equity lines of credit			74			—			18			92			127,938			128,030			—
Total		$	25,891		$	563		$	2,094		$	28,548		$	4,399,130		$	4,427,678		$	—

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 as of the dates indicated:


		June 30,			December 31,
		2026			2025

		(In Thousands)
One- to four-family residential construction		$	—		$	—
Subdivision construction			—			—
Land development			—			—
Commercial construction			—			—
Owner occupied one- to four-family residential			990			631
Non-owner occupied one- to four-family residential			—			1,435
Commercial real estate			—			—
Other residential (multi-family)			—			—
Commercial business			36			—
Consumer auto			—			—
Consumer other			7			10
Home equity lines of credit			—			18
Total nonaccruing loans		$	1,033		$	2,094

During the three and six months ended June 30, 2026, the Company recorded $-0- and $116,000, respectively, in interest income related to recoveries on nonaccrual loans compared to $115,000 for the three and six months ended June 30, 2025.

Nonaccrual loans as of June 30, 2026 and December 31, 2025, had an amortized cost of $1.0 million and $2.0 million, respectively. Of these nonacrrual loans, $888,000 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 six months ended June 30, 2026 and 2025. During the three and six months ended June 30, 2026 and 2025, the Company did not record a provision expense 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, March 31, 2025		$	9,192		$	15,594		$	28,794		$	2,929		$	4,522		$	3,673		$	64,704
Provision (credit) charged to expense			—			—			—			—			—			—			—
Losses charged off			(10)			—			—			—			—			(241)			(251)
Recoveries			22			—			—			7			190			143			362
Balance, June 30, 2025		$	9,204		$	15,594		$	28,794		$	2,936		$	4,712		$	3,575		$	64,815

Allowance for credit losses
Balance, March 31, 2026		$	7,653		$	18,821		$	28,785		$	2,327		$	4,020		$	3,178		$	64,784
Provision (credit) charged to expense			89			928			(1,419)			385			(217)			234			—
Losses charged off			—			(909)			—			—			—			(272)			(1,181)
Recoveries			6			—			—			100			96			160			362
Balance, June 30, 2026		$	7,748		$	18,840		$	27,366		$	2,812		$	3,899		$	3,300		$	63,965


		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, 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)			—			(147)			(475)			(676)
Recoveries			26			—			—			201			203			301			731
Balance, June 30, 2025		$	9,204		$	15,594		$	28,794		$	2,936		$	4,712		$	3,575		$	64,815

Allowance for credit losses
Balance, January 1, 2026		$	7,483		$	18,476		$	29,223		$	2,396		$	3,911		$	3,282		$	64,771
Provision (credit) charged to expense			256			1,273			(1,873)			316			(225)			253			—
Losses charged off			—			(909)			—			—			—			(581)			(1,490)
Recoveries			9			—			16			100			213			346			684
Balance, June 30, 2026		$	7,748		$	18,840		$	27,366		$	2,812		$	3,899		$	3,300		$	63,965

The following table presents the activity in the allowance for unfunded commitments by portfolio segment for the three and six months ended June 30, 2026 and 2025. The provision for losses on unfunded commitments for the three months ended June 30, 2026 was $8,000, compared to a credit (negative expense) of $110,000 for the three months ended June 30, 2025. The provision for losses on unfunded commitments for the six months ended June 30, 2026 was a credit (negative expense) of $923,000, compared to a credit (negative expense) of $458,000 for the six months ended June 30, 2025.


		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, March 31, 2025		$	658		$	4,594		$	620		$	418		$	1,428		$	437		$	8,155
Provision (credit) charged to expense			97			9			61			54			(281)			(50)			(110)
Balance, June 30, 2025		$	755		$	4,603		$	681		$	472		$	1,147		$	387		$	8,045

Allowance for unfunded commitments
Balance, March 31, 2026		$	862		$	3,998		$	609		$	700		$	1,087		$	361		$	7,617
Provision (credit) charged to expense			111			(280)			55			(132)			252			2			8
Balance, June 30, 2026		$	973		$	3,718		$	664		$	568		$	1,339		$	363		$	7,625


		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, 2025		$	619		$	4,833		$	653		$	496		$	1,468		$	434		$	8,503
Provision (credit) charged to expense			136			(230)			28			(24)			(321)			(47)			(458)
Balance, June 30, 2025		$	755		$	4,603		$	681		$	472		$	1,147		$	387		$	8,045

Allowance for unfunded commitments
Balance, January 1, 2026		$	967		$	4,580		$	699		$	637		$	1,302		$	363		$	8,548
Provision (credit) charged to expense			6			(862)			(35)			(69)			37			—			(923)
Balance, June 30, 2026		$	973		$	3,718		$	664		$	568		$	1,339		$	363		$	7,625

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 as of the dates indicated:


		June 30, 2026						December 31, 2025
		Principal			Specific			Principal			Specific
		Balance			Allowance			Balance			Allowance

		(In Thousands)
One- to four-family residential construction		$	—		$	—		$	—		$	—
Subdivision construction			—			—			—			—
Land development			—			—			—			—
Commercial construction			—			—			—			—
Owner occupied one- to four- family residential			1,422			—			1,207			—
Non-owner occupied one- to four-family residential			—			—			1,435			—
Commercial real estate			—			—			—			—
Other residential (multi-family)			—			—			—			—
Commercial business			—			—			—			—
Consumer auto			—			—			—			—
Consumer other			—			—			—			—
Home equity lines of credit			120			—			—			—

Total		$	1,542		$	—		$	2,642		$	—

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 at June 30, 2026. During the three and six months ended June 30, 2026, principal forgiveness of $7,000 and $15,000, respectively,was completed on consumer loans. During the three and six months ended June 30, 2025, principal forgiveness of $-0- and $7,000, respectively was completed on consumer loans.


		Amortized Cost Basis at December 31, 2025
		Interest Rate			Term						Total
		Reduction			Extension			Combination			Modifications

			(In Thousands)
Construction and land development		$	—		$	—		$	—		$	—
One- to four-family residential			—			—			—			—
Other residential (multi-family)			—			—			—			—
Commercial real estate			—			—			—			—
Commercial business			—			—			—			—
Consumer			5			—			—			5
		$	5		$	—		$	—		$	5

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, 2025. There were no such loans at June 30, 2026.


	December 31, 2025
			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)		—		—		—		—
Commercial real estate		—		—		—		—
Commercial business		—		—		—		—
Consumer		5		—		—		5
	$	5	$	—	$	—	$	5

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 credit at 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 year and loan class as of June 30, 2026 and December 31, 2025.


		Term Loans by Origination Year
																				Revolving
June 30, 2026		2026 YTD			2025			2024			2023			2022			Prior			Loans			Total

		(In Thousands)
One- to four-family residential construction
Satisfactory (1-4)		$	5,484		$	21,784		$	200		$	3,194		$	463		$	—		$	7,039		$	38,164
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			5,484			21,784			200			3,194			463			—			7,039			38,164
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Subdivision construction
Satisfactory (1-4)			167			811			1,706			259			250			16,140			14,808			34,141
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			167			811			1,706			259			250			16,140			14,808			34,141
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Construction and land development
Satisfactory (1-4)			10,125			13,336			8,442			6,507			3,544			6,757			2,835			51,546
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			10,125			13,336			8,442			6,507			3,544			6,757			2,835			51,546
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Other construction
Satisfactory (1-4)			66,095			52,607			128,319			—			30,740			752			—			278,513
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			66,095			52,607			128,319			—			30,740			752			—			278,513
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

One- to four-family residential
Satisfactory (1-4)			62,141			62,762			35,361			41,015			254,354			328,573			1,299			785,505
Watch (5)			—			—			—			—			—			691			—			691
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			128			508			1,211			—			1,847
Total			62,141			62,762			35,361			41,143			254,862			330,475			1,299			788,043
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Other residential (multi-family)
Satisfactory (1-4)			21,298			114,761			252,354			77,660			501,609			342,480			3,197			1,313,359
Watch (5)			—			—			—			—			—			2,639			—			2,639
Special Mention (6)			—			—			—			—			—			31,500			—			31,500
Classified (7-9)			—			—			—			—			—			—			—			—
Total			21,298			114,761			252,354			77,660			501,609			376,619			3,197			1,347,498
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Commercial real estate
Satisfactory (1-4)			78,593			117,095			147,076			91,345			248,022			744,723			34,207			1,461,061
Watch (5)			—			—			—			—			13,997			3,045			—			17,042
Special Mention (6)			—			—			—			—			—			4,754			—			4,754
Classified (7-9)			—			—			—			—			—			—			—			—
Total			78,593			117,095			147,076			91,345			262,019			752,522			34,207			1,482,857
Current Period Gross Charge Offs			—			—			—			—			909			—			—			909

Commercial business
Satisfactory (1-4)			7,909			41,867			15,831			8,146			8,099			46,736			44,943			173,531
Watch (5)			—			—			—			—			—			15			—			15
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			48			—			—			—			48
Total			7,909			41,867			15,831			8,194			8,099			46,751			44,943			173,594
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Consumer
Satisfactory (1-4)			7,593			11,749			7,298			3,071			1,524			7,225			143,771			182,231
Watch (5)			—			—			—			—			—			183			67			250
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			10			—			6			14			—			48			217			295
Total			7,603			11,749			7,304			3,085			1,524			7,456			144,055			182,776
Current Period Gross Charge Offs			—			46			15			20			8			438			54			581

Combined
Satisfactory (1-4)			259,405			436,772			596,587			231,197			1,048,605			1,493,386			252,099			4,318,051
Watch (5)			—			—			—			—			13,997			6,573			67			20,637
Special Mention (6)			—			—			—			—			—			36,254			—			36,254
Classified (7-9)			10			—			6			190			508			1,259			217			2,190
Total		$	259,415		$	436,772		$	596,593		$	231,387		$	1,063,110		$	1,537,472		$	252,383		$	4,377,132
Current Period Gross Charge Offs		$	—		$	46		$	15		$	20		$	917		$	438		$	54		$	1,490


		Term Loans by Origination Year
																				Revolving
December 31, 2025		2025			2024			2023			2022			2021			Prior			Loans			Total

		(In Thousands)
One- to four-family residential construction
Satisfactory (1-4)		$	18,452		$	4,606		$	2,611		$	1,242		$	—		$	—		$	3,347		$	30,258
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			18,452			4,606			2,611			1,242			—			—			3,347			30,258
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Subdivision construction
Satisfactory (1-4)			924			2,745			278			260			16,146			428			11,379			32,160
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			924			2,745			278			260			16,146			428			11,379			32,160
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Construction and land development
Satisfactory (1-4)			11,147			9,046			6,573			1,097			368			6,413			2,875			37,519
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			11,147			9,046			6,573			1,097			368			6,413			2,875			37,519
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Other construction
Satisfactory (1-4)			35,846			166,912			7,448			38,049			969			—			—			249,224
Watch (5)			—			—			—			—			—			—			—			—
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			35,846			166,912			7,448			38,049			969			—			—			249,224
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

One- to four-family residential
Satisfactory (1-4)			65,388			39,406			49,967			267,992			153,547			200,389			1,340			778,029
Watch (5)			—			—			—			—			—			724			—			724
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			28			71			507			268			1,756			614			3,244
Total			65,388			39,434			50,038			268,499			153,815			202,869			1,954			781,997
Current Period Gross Charge Offs			—			—			—			21			16			9			—			46

Other residential (multi-family)
Satisfactory (1-4)			99,386			153,763			113,657			541,044			266,906			182,230			2,999			1,359,985
Watch (5)			—			—			—			—			—			2,663			—			2,663
Special Mention (6)			—			—			—			—			24,762			—			—			24,762
Classified (7-9)			—			—			—			—			—			—			—			—
Total			99,386			153,763			113,657			541,044			291,668			184,893			2,999			1,387,410
Current Period Gross Charge Offs			—			—			—			—			—			—			—			—

Commercial real estate
Satisfactory (1-4)			122,684			142,179			93,260			305,833			194,448			640,276			34,936			1,533,616
Watch (5)			—			—			—			10,548			—			2,964			—			13,512
Special Mention (6)			—			—			—			—			—			9,020			—			9,020
Classified (7-9)			—			—			—			—			—			—			—			—
Total			122,684			142,179			93,260			316,381			194,448			652,260			34,936			1,556,148
Current Period Gross Charge Offs			—			—			—			—			8			—			—			8

Commercial business
Satisfactory (1-4)			31,698			22,010			9,959			13,490			15,629			38,256			44,170			175,212
Watch (5)			—			—			—			805			2,473			24			—			3,302
Special Mention (6)			—			—			—			—			—			—			—			—
Classified (7-9)			—			—			—			—			—			—			—			—
Total			31,698			22,010			9,959			14,295			18,102			38,280			44,170			178,514
Current Period Gross Charge Offs			—			—			—			—			—			135			44			179

Consumer
Satisfactory (1-4)			15,703			9,937			4,651			2,530			1,015			7,509			131,623			172,968
Watch (5)			—			—			—			—			—			188			70			258
Special Mention (6)			—			—			—			—			—			—			983			983
Classified (7-9)			—			10			15			2			11			43			158			239
Total			15,703			9,947			4,666			2,532			1,026			7,740			132,834			174,448
Current Period Gross Charge Offs			58			63			33			23			2			888			6			1,073

Combined
Satisfactory (1-4)			401,228			550,604			288,404			1,171,537			649,028			1,075,501			232,669			4,368,971
Watch (5)			—			—			—			11,353			2,473			6,563			70			20,459
Special Mention (6)			—			—			—			—			24,762			9,020			983			34,765
Classified (7-9)			—			38			86			509			279			1,799			772			3,483
Total		$	401,228		$	550,642		$	288,490		$	1,183,399		$	676,542		$	1,092,883		$	234,494		$	4,427,678
Current Period Gross Charge Offs		$	58		$	63		$	33		$	44		$	26		$	1,032		$	50		$	1,306