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Allowance For Loan Losses
 3 Months Ended
Mar. 31, 2013
Receivables [Abstract]  
Allowance For Loan Losses
Allowance For Loan Losses
    
The following tables present a summary of changes in the allowance for loan losses by portfolio segment for the periods indicated. 
Three Months Ended March 31, 2013
Real Estate
Consumer
Commercial
Agriculture
Other
Total
Allowance for loan losses:
 
 
 
 
 
 
Beginning balance
$
75,782

$
7,140

$
17,073

$
504

$
12

$
100,511

Provision charged to operating expense
(1,035
)
537

1,015

(23
)
6

500

Less loans charged-off
(4,143
)
(1,062
)
(811
)
(4
)
—

(6,020
)
Add back recoveries of loans previously
   charged-off
1,062

473

1,375

3

—

2,913

Ending balance
$
71,666

$
7,088

$
18,652

$
480

$
18

$
97,904

 
 
 
 
 
 
 
Loans individually evaluated for impairment
$
8,367

$
—

$
3,725

$
25

$
—

$
12,117

Loans collectively evaluated for impairment
63,299

7,088

14,927

455

18

85,787

Allowance for loan losses
$
71,666

$
7,088

$
18,652

$
480

$
18

$
97,904

 
 
 
 
 
 
 
Total loans:
 
 
 
 
 
 
Individually evaluated for impairment
$
114,690

$
—

$
15,832

$
152

$
—

$
130,674

Collectively evaluated for impairment
2,671,943

636,364

673,012

111,259

1,307

4,093,885

Total loans
$
2,786,633

$
636,364

$
688,844

$
111,411

$
1,307

$
4,224,559

Three Months Ended March 31, 2012
Real Estate
Consumer
Commercial
Agriculture
Other
Total
Allowance for loan losses:
 
 
 
 
 
 
Beginning balance
$
87,396

$
8,594

$
15,325

$
1,266

$
—

$
112,581

Provision charged to operating expense
6,382

(591
)
5,441

18

—

11,250

Less loans charged-off
(5,156
)
(1,312
)
(2,512
)
(107
)
—

(9,087
)
Add back recoveries of loans previously
   charged-off
506

521

126

5

—

1,158

Ending balance
$
89,128

$
7,212

$
18,380

$
1,182

$
—

$
115,902

Loans individually evaluated for impairment
$
26,673

$
—

$
4,126

$
491

$
—

$
31,290

Loans collectively evaluated for impairment
62,455

7,212

14,254

691

—

84,612

Allowance for loan losses
$
89,128

$
7,212

$
18,380

$
1,182

$
—

$
115,902

 
 
 
 
 
 
 
Total loans:
 
 
 
 
 
 
Individually evaluated for impairment
$
198,033

$
—

$
13,559

$
1,514

$
—

$
213,106

Collectively evaluated for impairment
2,516,946

606,073

694,838

127,085

568

3,945,510

Total loans
$
2,714,979

$
606,073

$
708,397

$
128,599

$
568

$
4,158,616


    
The Company performs a quarterly assessment of the adequacy of its allowance for loan losses in accordance with generally accepted accounting principles. The methodology used to assess the adequacy is consistently applied to the Company's loan portfolio and consists of three elements: (1) specific valuation allowances based on probable losses on impaired loans; (2) historical valuation allowances based on loan loss experience for similar loans with similar characteristics and trends; and (3) general valuation allowances determined based on changes in the nature of the loan portfolio, overall portfolio quality, industry concentrations, delinquency trends, general economic conditions and other qualitative risk factors both internal and external to the Company.
    
Specific allowances are established for loans where management has determined that probability of a loss exists by analyzing the borrower’s ability to repay amounts owed, collateral deficiencies and any relevant qualitative or economic factors impacting the loan. Historical valuation allowances are determined by applying percentage loss factors to the credit exposures from outstanding loans. For commercial, agricultural and real estate loans, loss factors are applied based on the internal risk classifications of these loans. For consumer loans, loss factors are applied on a portfolio basis. For commercial, agriculture and real estate loans, loss factor percentages are based on a migration analysis of our historical loss experience, designed to account for credit deterioration. For consumer loans, loss factor percentages are based on a one-year loss history. General valuation allowances are determined by evaluating, on a quarterly basis, changes in the nature and volume of the loan portfolio, overall portfolio quality, industry concentrations, current economic and regulatory conditions and the estimated impact of these factors on historical loss rates.