

(In thousands)	September 30, 2019		December 31, 2018
Consumer:
Credit cards	$	195,083	$	204,173
Other consumer	208,643		201,297
Total consumer	403,726		405,470
Real Estate:
Construction	1,712,858		1,300,723
Single family residential	1,448,455		1,440,443
Other commercial	3,630,708		3,225,287
Total real estate	6,792,021		5,966,453
Commercial:
Commercial	1,894,819		1,774,909
Agricultural	213,753		164,514
Total commercial	2,108,572		1,939,423
Other	339,046		119,042
Loans	9,643,365		8,430,388
Loans acquired, net of discount and allowance ⁽¹⁾	3,359,587		3,292,783
Total loans	$	13,002,952	$	11,723,171

_____________________________

Loan Origination/Risk Management – The Company seeks to manage its credit risk by diversifying its loan portfolio, determining that borrowers have adequate sources of cash flow for loan repayment without liquidation of collateral; obtaining and monitoring collateral; providing an adequate allowance for loans losses by regularly reviewing loans through the internal loan review process. The loan portfolio is diversified by borrower, purpose and industry. The Company seeks to use diversification within the loan portfolio to reduce its credit risk, thereby minimizing the adverse impact on the portfolio if weaknesses develop in either the economy or a particular segment of borrowers. Collateral requirements are based on credit assessments of borrowers and may be used to recover the debt in case of default. Furthermore, a factor that influenced the Company’s judgment regarding the allowance for loan losses consists of a nine-year historical loss average segregated by each primary loan sector. On an annual basis, historical loss rates are calculated for each sector.

Consumer – The consumer loan portfolio consists of credit card loans and other consumer loans. Credit card loans are diversified by geographic region to reduce credit risk and minimize any adverse impact on the portfolio. Although they are regularly reviewed to facilitate the identification and monitoring of creditworthiness, credit card loans are unsecured loans, making them more susceptible to be impacted by economic downturns resulting in increasing unemployment. Other consumer loans include direct and indirect installment loans and overdrafts. Loans in this portfolio segment are sensitive to unemployment and other key consumer economic measures.

Real estate – The real estate loan portfolio consists of construction loans, single family residential loans and commercial loans. Construction and development loans (“C&D”) and commercial real estate loans (“CRE”) can be particularly sensitive to valuation of real estate. Commercial real estate cycles are inevitable. The long planning and production process for new properties and rapid shifts in business conditions and employment create an inherent tension between supply and demand for commercial properties. While general economic trends often move individual markets in the same direction over time, the timing and magnitude of changes are determined by other forces unique to each market. CRE cycles tend to be local in nature and longer than other credit cycles. Factors influencing the CRE market are traditionally different from those affecting residential real estate markets; thereby making predictions for one market based on the other difficult. Additionally, submarkets within commercial real estate – such as office, industrial, apartment, retail and hotel – also experience different cycles, providing an opportunity to lower the

Commercial – The commercial loan portfolio includes commercial and agricultural loans, representing loans to commercial customers and farmers for use in normal business or farming operations to finance working capital needs, equipment purchases or other expansion projects. Collection risk in this portfolio is driven by the creditworthiness of the underlying borrowers, particularly cash flow from customers’ business or farming operations. The Company continues its efforts to keep loan terms short, reducing the negative impact of upward movement in interest rates. Term loans are generally set up with one or three year balloons, and the Company has instituted a pricing mechanism for commercial loans. It is standard practice to require personal guaranties on commercial loans for closely-held or limited liability entities.

Nonaccrual and Past Due Loans – Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on nonaccrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.



(In thousands)	September 30, 2019		December 31, 2018
Consumer:
Credit cards	$	521	$	296
Other consumer	1,634		2,159
Total consumer	2,155		2,455
Real estate:
Construction	1,805		1,269
Single family residential	16,191		11,939
Other commercial	16,985		7,205
Total real estate	34,981		20,413
Commercial:
Commercial	35,018		10,049
Agricultural	567		1,284
Total commercial	35,585		11,333
Total	$	72,721	$	34,201



(In thousands)	Gross 30-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		90 Days Past Due & Accruing
September 30, 2019
Consumer:
Credit cards	$	958	$	650	$	1,608	$	193,475	$	195,083	$	130
Other consumer	3,383		694		4,077		204,566		208,643		14
Total consumer	4,341		1,344		5,685		398,041		403,726		144
Real estate:
Construction	3,690		613		4,303		1,708,555		1,712,858		—
Single family residential	10,022		6,395		16,417		1,432,038		1,448,455		—
Other commercial	8,009		3,385		11,394		3,619,314		3,630,708		—
Total real estate	21,721		10,393		32,114		6,759,907		6,792,021		—
Commercial:
Commercial	4,999		10,990		15,989		1,878,830		1,894,819		11
Agricultural	285		349		634		213,119		213,753		—
Total commercial	5,284		11,339		16,623		2,091,949		2,108,572		11
Other	—		—		—		339,046		339,046		—
Total	$	31,346	$	23,076	$	54,422	$	9,588,943	$	9,643,365	$	155

December 31, 2018
Consumer:
Credit cards	$	1,033	$	506	$	1,539	$	202,634	$	204,173	$	209
Other consumer	4,264		896		5,160		196,137		201,297		4
Total consumer	5,297		1,402		6,699		398,771		405,470		213
Real estate:
Construction	533		308		841		1,299,882		1,300,723		—
Single family residential	7,769		4,127		11,896		1,428,547		1,440,443		—
Other commercial	3,379		2,773		6,152		3,219,135		3,225,287		—
Total real estate	11,681		7,208		18,889		5,947,564		5,966,453		—
Commercial:
Commercial	4,472		5,105		9,577		1,765,332		1,774,909		11
Agricultural	467		1,055		1,522		162,992		164,514		—
Total commercial	4,939		6,160		11,099		1,928,324		1,939,423		11
Other	—		—		—		119,042		119,042		—
Total	$	21,917	$	14,770	$	36,687	$	8,393,701	$	8,430,388	$	224

Impaired Loans – A loan is considered impaired when it is probable that the Company will not receive all amounts due according to the contractual terms of the loans, including scheduled principal and interest payments. This includes loans that are delinquent 90 days or more, nonaccrual loans and certain other loans identified by management. Certain other loans identified by management consist of performing loans with specific allocations of the allowance for loan losses. Impaired loans are carried at the present value of estimated future cash flows using the loan’s existing rate, or the fair value of the collateral if the loan is collateral dependent.



(In thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Average Investment in Impaired Loans		Interest Income Recognized		Average Investment in Impaired Loans		Interest Income Recognized
September 30, 2019											Three Months Ended September 30, 2019				Nine Months Ended September 30, 2019
Consumer:
Credit cards	$	521	$	521	$	—	$	521	$	—	$	423	$	40	$	370	$	110
Other consumer	1,783		1,634		—		1,634		—		1,603		9		1,730		33
Total consumer	2,304		2,155		—		2,155		—		2,026		49		2,100		143
Real estate:
Construction	1,898		1,708		97		1,805		—		1,972		10		1,946		38
Single family residential	17,526		13,985		2,206		16,191		31		15,920		85		14,812		287
Other commercial	15,642		4,200		11,007		15,207		628		11,739		77		10,365		201
Total real estate	35,066		19,893		13,310		33,203		659		29,631		172		27,123		526
Commercial:
Commercial	50,712		10,153		23,930		34,083		4,620		32,020		176		26,379		511
Agricultural	583		450		116		566		—		873		3		1,010		20
Total commercial	51,295		10,603		24,046		34,649		4,620		32,893		179		27,389		531
Total	$	88,665	$	32,651	$	37,356	$	70,007	$	5,279	$	64,550	$	400	$	56,612	$	1,200



December 31, 2018											Three Months Ended September 30, 2018				Nine Months Ended September 30, 2018
Consumer:
Credit cards	$	296	$	296	$	—	$	296	$	—	$	283	$	35	$	259	$	60
Other consumer	2,311		2,159		—		2,159		—		3,561		28		4,109		96
Total consumer	2,607		2,455		—		2,455		—		3,844		63		4,368		156
Real estate:
Construction	1,344		784		485		1,269		211		1,411		11		1,747		41
Single family residential	12,906		11,468		616		12,084		36		13,577		98		13,550		315
Other commercial	8,434		5,442		5,458		10,900		—		12,282		108		14,284		332
Total real estate	22,684		17,694		6,559		24,253		247		27,270		217		29,581		688
Commercial:
Commercial	10,361		7,254		4,628		11,882		437		11,840		108		9,533		222
Agricultural	2,419		1,180		—		1,180		—		1,355		12		1,470		34
Total commercial	12,780		8,434		4,628		13,062		437		13,195		120		11,003		256
Total	$	38,071	$	28,583	$	11,187	$	39,770	$	684	$	44,309	$	400	$	44,952	$	1,100

At September 30, 2019 and December 31, 2018, impaired loans, net of government guarantees and excluding loans acquired, totaled $70.0 million and $39.8 million, respectively. Allocations of the allowance for loan losses relative to impaired loans were $5.3 million and $684,000 at September 30, 2019 and December 31, 2018, respectively. Approximately $400,000 and $1,200,000 of interest income was recognized on average impaired loans of $64.6 million and $56.6 million for the three and nine months ended September 30, 2019. Interest income recognized on impaired loans on a cash basis during the three and nine months ended September 30, 2019 and 2018 was not material.

Included in certain impaired loan categories are troubled debt restructurings (“TDRs”). When the Company restructures a loan to a borrower that is experiencing financial difficulty and grants a concession that it would not otherwise consider, a “troubled debt restructuring” results and the Company classifies the loan as a TDR. The Company grants various types of concessions, primarily interest rate reduction and/or payment modifications or extensions, with an occasional forgiveness of principal.

Under ASC Topic 310-10-35 – Subsequent Measurement, a TDR is considered to be impaired, and an impairment analysis must be performed. The Company assesses the exposure for each modification, either by collateral discounting or by calculation of the present value of future cash flows, and determines if a specific allocation to the allowance for loan losses is needed.

Once an obligation has been restructured because of such credit problems, it continues to be considered a TDR until paid in full; or, if an obligation yields a market interest rate and no longer has any concession regarding payment amount or amortization, then it is not considered a TDR at the beginning of the calendar year after the year in which the improvement takes place. The Company returns TDRs to accrual status only if (1) all contractual amounts due can reasonably be expected to be repaid within a prudent period, and (2) repayment has been in accordance with the contract for a sustained period, typically at least six months.



	Accruing TDR Loans			Nonaccrual TDR Loans			Total TDR Loans
(Dollars in thousands)	Number	Balance		Number	Balance		Number	Balance
September 30, 2019
Real estate:
Construction	—	$	—	1	$	97	1	$	97
Single-family residential	6	549		10	627		16	1,176
Other commercial	2	3,166		2	950		4	4,116
Total real estate	8	3,715		13	1,674		21	5,389
Commercial:
Commercial	4	2,804		3	84		7	2,888
Total commercial	4	2,804		3	84		7	2,888
Total	12	$	6,519	16	$	1,758	28	$	8,277

December 31, 2018
Real estate:
Construction	—	$	—	3	$	485	3	$	485
Single-family residential	6	230		10	616		16	846
Other commercial	2	3,306		2	1,027		4	4,333
Total real estate	8	3,536		15	2,128		23	5,664
Commercial:
Commercial	4	2,833		6	718		10	3,551
Total commercial	4	2,833		6	718		10	3,551
Total	12	$	6,369	21	$	2,846	33	$	9,215



						Modification Type
(Dollars in thousands)	Number of Loans	Balance Prior to TDR		Balance at September 30,		Change in Maturity Date		Change in Rate		Financial Impact on Date of Restructure
Three and Nine Months Ended September 30, 2019
Real estate:
Single-family residential	1	$	330	$	330	$	330	$	—	$	—
Total real estate	1	330		330		330		—		—
Total	1	$	330	$	330	$	330	$	—	$	—

Three Months Ended September 30, 2018
Real estate:
Construction	1	$	99	$	98	$	98	$	—	$	—
Other commercial	2	392		390		390		—		212
Total real estate	3	491		488		488		—		212
Commercial:
Commercial	3	2,363		2,358		2,358		—		190
Total commercial	3	2,363		2,358		2,358		—		190
Total	6	$	2,854	$	2,846	$	2,846	$	—	$	402

Nine Months Ended September 30, 2018
Consumer:
Other consumer	1	$	91	$	91	$	91	$	—	$	—
Total consumer	1	91		91		91		—		—
Real estate:
Construction	1	99		98		98		—		—
Single-family residential	1	61		62		62		—		—
Other commercial	2	392		390		390		—		212
Total real estate	4	552		550		550		—		212
Commercial:
Commercial	3	2,363		2,358		2,358		—		190
Total commercial	3	2,363		2,358		2,358		—		190
Total	8	$	3,006	$	2,999	$	2,999	$	—	$	402

During the three and nine months ended September 30, 2019, the Company modified 1 loan with a recorded investment of $330,000 prior to modification which was deemed troubled debt restructuring. The restructured loan was modified by deferring amortized principal payments, changing the maturity date and requiring interest-only payments for a period of up to 12 months. Also, there was no immediate financial impact from the restructuring of this loan, as it was not considered necessary to charge-off interest or principal on the date of restructure.

During the three months ended September 30, 2018, the Company modified 6 loans with a recorded investment of $2.9 million and during the nine months ended September 30, 2018, the Company modified 8 loans with a recorded investment of $3.0 million prior to modification which were deemed troubled debt restructuring. The restructured loans were modified by deferring amortized principal payments, changing the maturity date and requiring interest-only payments for a period of up to 12 months. Based on the fair value of the collateral, a specific reserve of $402,000 was determined necessary for these loans. Also, there was no immediate

There were four loans consisting of commercial and real estate construction loans, considered TDRs for which a payment default occurred during the nine months ended September 30, 2019. The Company charged off approximately $552,000 for these loans. There was one commercial real estate loan for which a payment default occurred during the nine months ended September 30, 2018. A charge-off of $66,300 was recorded for this loan and $294,300 was transferred to OREO. The Company defines a payment default as a payment received more than 90 days after its due date.

In addition to the TDRs that occurred during the periods provided in the preceding tables, the Company had TDRs with pre-modification loan balances, specifically in commercial real estate, of $294,300 at September 30, 2018, for which OREO was received in full or partial satisfaction of the loans. There were no TDRs with pre-modification loan balances for which OREO was received in full or partial satisfaction of the loans during the three or nine month periods ended September 30, 2019. At September 30, 2019 and December 31, 2018, the Company had $3,925,000 and $3,899,000, respectively, of consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process. At September 30, 2019 and December 31, 2018, the Company had $4,401,000 and $3,530,000, respectively, of OREO secured by residential real estate properties.

Credit Quality Indicators – As part of the on-going monitoring of the credit quality of the Company’s loan portfolio, management tracks certain credit quality indicators including trends related to (i) the weighted-average risk rating of commercial and real estate loans, (ii) the level of classified commercial and real estate loans, (iii) net charge-offs, (iv) non-performing loans (see details above) and (v) the general economic conditions in the States of Arkansas, Colorado, Illinois, Kansas, Missouri, Oklahoma, Tennessee and Texas.

Loans acquired are evaluated using this internal grading system. Loans acquired are evaluated individually and include purchased credit impaired loans of $3.1 million and $4.1 million that are accounted for under ASC Topic 310-30 and are classified as substandard (Risk Rating 6) as of September 30, 2019 and December 31, 2018, respectively. Of the remaining loans acquired and accounted for under ASC Topic 310-20, $37.4 million and $50.4 million were classified (Risk Ratings 6, 7 and 8 – see classified loans discussion below) at September 30, 2019 and December 31, 2018, respectively.

Purchased credit impaired loans are loans that showed evidence of deterioration of credit quality since origination and for which it is probable, at acquisition, that the Company will be unable to collect all amounts contractually owed. Their fair value was initially based on the estimate of cash flows, both principal and interest, expected to be collected or estimated collateral values if cash flows are not estimable, discounted at prevailing market rates of interest. The difference between the undiscounted cash flows expected at acquisition and the fair value at acquisition is recognized as interest income on a level-yield method over the life of the loan. Contractually required payments for interest and principal that exceed the undiscounted cash flows expected at acquisition are not recognized as a yield adjustment. Increases in expected cash flows subsequent to the initial investment are recognized prospectively through adjustment of the yield on the loan over its remaining life. Decreases in expected cash flows are recognized as impairment.

Classified loans for the Company include loans in Risk Ratings 6, 7 and 8. Loans may be classified, but not considered impaired, due to one of the following reasons: (1) The Company has established minimum dollar amount thresholds for loan impairment testing. Loans rated 6 – 8 that fall under the threshold amount are not tested for impairment and therefore are not included in impaired loans. (2) Of the loans that are above the threshold amount and tested for impairment, after testing, some are considered to not be impaired and are not included in impaired loans. Total classified loans, excluding loans accounted for under ASC Topic 310-30, were $146.2 million and $119.0 million, as of September 30, 2019 and December 31, 2018, respectively.



(In thousands)	Risk Rate 1-4		Risk Rate 5		Risk Rate 6		Risk Rate 7		Risk Rate 8		Total
September 30, 2019
Consumer:
Credit cards	$	194,433	$	—	$	650	$	—	$	—	$	195,083
Other consumer	206,647		—		1,996		—		—		208,643
Total consumer	401,080		—		2,646		—		—		403,726
Real estate:
Construction	1,705,376		1,456		6,026		—		—		1,712,858
Single family residential	1,422,086		3,246		23,119		4		—		1,448,455
Other commercial	3,571,706		33,030		25,972		—		—		3,630,708
Total real estate	6,699,168		37,732		55,117		4		—		6,792,021
Commercial:
Commercial	1,837,374		10,420		47,025		—		—		1,894,819
Agricultural	213,072		69		612		—		—		213,753
Total commercial	2,050,446		10,489		47,637		—		—		2,108,572
Other	339,046		—		—		—		—		339,046
Loans acquired	3,272,024		46,796		40,639		128		—		3,359,587
Total	$	12,761,764	$	95,017	$	146,039	$	132	$	—	$	13,002,952



(In thousands)	Risk Rate 1-4		Risk Rate 5		Risk Rate 6		Risk Rate 7		Risk Rate 8		Total
December 31, 2018
Consumer:
Credit cards	$	203,667	$	—	$	506	$	—	$	—	$	204,173
Other consumer	198,840		—		2,457		—		—		201,297
Total consumer	402,507		—		2,963		—		—		405,470
Real estate:
Construction	1,296,988		1,910		1,825		—		—		1,300,723
Single family residential	1,420,052		1,628		18,528		235		—		1,440,443
Other commercial	3,193,289		17,169		14,829		—		—		3,225,287
Total real estate	5,910,329		20,707		35,182		235		—		5,966,453
Commercial:
Commercial	1,742,002		8,357		24,550		—		—		1,774,909
Agricultural	162,824		75		1,615		—		—		164,514
Total commercial	1,904,826		8,432		26,165		—		—		1,939,423
Other	119,042		—		—		—		—		119,042
Loans acquired	3,187,083		51,255		54,097		348		—		3,292,783
Total	$	11,523,787	$	80,394	$	118,407	$	583	$	—	$	11,723,171

Allowance for Loan Losses – The allowance for loan losses is a reserve established through a provision for loan losses charged to expense, which represents management’s best estimate of probable losses that have been incurred within the existing portfolio of loans. The allowance, in the judgment of management, is necessary to reserve for estimated loan losses and risks inherent in the loan portfolio. The Company’s allowance for loan loss methodology includes allowance allocations calculated in accordance with ASC Topic 310-10, Receivables, and allowance allocations calculated in accordance with ASC Topic 450-20, Loss Contingencies. Accordingly, the methodology is based on the Company’s internal grading system, specific impairment analysis, qualitative and quantitative factors.

A loan is considered impaired when it is probable that the Company will not receive all amounts due according to the contractual terms of the loan, including scheduled principal and interest payments. For a collateral dependent loan, the Company’s evaluation process includes a valuation by appraisal or other collateral analysis. This valuation is compared to the remaining outstanding principal balance of the loan. If a loss is determined to be probable, the loss is included in the allowance for loan losses as a specific allocation. If the loan is not collateral dependent, the measurement of loss is based on the difference between the expected and contractual future cash flows of the loan.

The general allocation is calculated monthly based on management’s assessment of several factors such as (1) historical loss experience based on volumes and types, (2) volume and trends in delinquencies and nonaccruals, (3) lending policies and procedures including those for loan losses, collections and recoveries, (4) national, state and local economic trends and conditions, (5) external factors and pressure from competition, (6) the experience, ability and depth of lending management and staff, (7) seasoning of new products obtained and new markets entered through acquisition and (8) other factors and trends that will affect specific loans and categories of loans. The Company establishes general allocations for each major loan category. This category also includes allocations to loans which are collectively evaluated for loss such as credit cards, one-to-four family owner occupied residential real estate loans and other consumer loans.



(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Total
Three Months Ended September 30, 2019
Balance, beginning of period ⁽²⁾	$	21,739		$	34,917		$	3,951		$	2,460		$	63,067
Provision for loan losses ⁽¹⁾	19,150			2,405			946			(528		)	21,973
Charge-offs	(17,729		)	(907		)	(1,117		)	(1,059		)	(20,812		)
Recoveries	65			55			223			1,422			1,765
Net charge-offs	(17,664		)	(852		)	(894		)	363			(19,047		)
Balance, September 30, 2019 ⁽²⁾	$	23,225		$	36,470		$	4,003		$	2,295		$	65,993

Nine Months Ended September 30, 2019
Balance, beginning of period ⁽²⁾	$	20,514		$	29,743		$	3,923		$	2,419		$	56,599
Provision for loan losses ⁽¹⁾	23,980			7,929			2,644			1,320			35,873
Charge-offs	(21,564		)	(1,552		)	(3,298		)	(3,497		)	(29,911		)
Recoveries	295			350			734			2,053			3,432
Net charge-offs	(21,269		)	(1,202		)	(2,564		)	(1,444		)	(26,479		)
Balance, September 30, 2019 ⁽²⁾	$	23,225		$	36,470		$	4,003		$	2,295		$	65,993

Period-end amount allocated to:
Loans individually evaluated for impairment	$	4,620		$	659		$	—		$	—		$	5,279
Loans collectively evaluated for impairment	18,605			35,811			4,003			2,295			60,714
Balance, September 30, 2019 ⁽²⁾	$	23,225		$	36,470		$	4,003		$	2,295		$	65,993

(1) Provision for loan losses of $0 and $2,464,000 attributable to loans acquired was excluded from this table for the three and nine months ended September 30, 2019, respectively (total provision for loan losses for the three and nine months ended September 30, 2019 was $21,973,000 and $38,337,000). There were $515,000 and $2,862,000 in charge-offs for loans acquired during the three and nine months ended September 30, 2019, respectively, and recoveries of $900,000 for loans acquired during the nine month period ended September 30, 2019, resulting in an ending balance in the allowance related to loans acquired of $597,000.

(2) Allowance for loan losses at September 30, 2019 includes $597,000 allowance for loans acquired (not shown in the table above). Allowance for loan losses at June 30, 2019 and December 31, 2018 includes $1,112,000 and $95,000, respectively, of allowance for loans acquired (not shown in the table above). The total allowance for loan losses at September 30, 2019 was $66,590,000 and total allowance for loan losses at June 30, 2019 and December 31, 2018 was $64,179,000 and $56,694,000, respectively.



(In thousands)	Commercial			Real Estate			Credit Card			Other Consumer and Other			Total
Three Months Ended September 30, 2018
Balance, beginning of period ⁽⁴⁾	$	15,767		$	28,904		$	3,822		$	3,239		$	51,732
Provision for loan losses ⁽³⁾	3,589			5,308			719			729			10,345
Charge-offs	(592		)	(4,952		)	(919		)	(1,321		)	(7,784		)
Recoveries	450			210			229			176			1,065
Net charge-offs	(142		)	(4,742		)	(690		)	(1,145		)	(6,719		)
Balance, September 30, 2018 ⁽⁴⁾	$	19,214		$	29,470		$	3,851		$	2,823		$	55,358

Nine Months Ended September 30, 2018
Balance, beginning of period ⁽⁴⁾	$	7,007		$	27,281		$	3,784		$	3,596		$	41,668
Provision for loan losses ⁽³⁾	14,772			7,133			2,219			2,567			26,691
Charge-offs	(3,143		)	(5,568		)	(2,930		)	(3,743		)	(15,384		)
Recoveries	578			624			778			403			2,383
Net charge-offs	(2,565		)	(4,944		)	(2,152		)	(3,340		)	(13,001		)
Balance, September 30, 2018 ⁽⁴⁾	$	19,214		$	29,470		$	3,851		$	2,823		$	55,358

Period-end amount allocated to:
Loans individually evaluated for impairment	$	191		$	268		$	—		$	—		$	459
Loans collectively evaluated for impairment	19,023			29,202			3,851			2,823			54,899
Balance, September 30, 2018 ⁽⁴⁾	$	19,214		$	29,470		$	3,851		$	2,823		$	55,358

Period-end amount allocated to:
Loans individually evaluated for impairment	$	437		$	247		$	—		$	—		$	684
Loans collectively evaluated for impairment	20,077			29,496			3,923			2,419			55,915
Balance, December 31, 2018⁽⁵⁾	$	20,514		$	29,743		$	3,923		$	2,419		$	56,599

(3) Provision for loan losses of $0 and $1,837,000 attributable to loans acquired was excluded from this table for the three and nine months ended September 30, 2018, respectively (total provision for loan losses for the three and nine months ended September 30, 2018 was $10,345,000 and $28,528,000, respectively). There were $699,000 and $910,000 in charge-offs for loans acquired during the three and nine months ended September 30, 2018, respectively, resulting in an ending balance in the allowance related to loans acquired of $1,345,000.

(4) Allowance for loan losses at September 30, 2018, June 30, 2018 and December 31, 2017 includes $1,345,000, $2,044,000 and $418,000, respectively, of allowance for loans acquired (not shown in the table above). The total allowance for loan losses at September 30, 2018, June 30, 2018 and December 31, 2017 was $56,703,000, $53,776,000 and $42,086,000, respectively.



(In thousands)	Commercial		Real Estate		Credit Card		Other Consumer and Other		Total
September 30, 2019
Loans individually evaluated for impairment	$	34,649	$	33,203	$	521	$	1,634	$	70,007
Loans collectively evaluated for impairment	2,073,923		6,758,818		194,562		546,055		9,573,358
Balance, end of period	$	2,108,572	$	6,792,021	$	195,083	$	547,689	$	9,643,365

December 31, 2018
Loans individually evaluated for impairment	$	13,062	$	24,253	$	296	$	2,159	$	39,770
Loans collectively evaluated for impairment	1,926,361		5,942,200		203,877		318,180		8,390,618
Balance, end of period	$	1,939,423	$	5,966,453	$	204,173	$	320,339	$	8,430,388