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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2021
Receivables [Abstract]  
Loan Portfolio The various categories of loans are summarized as follows:
 
March 31,December 31,
(In thousands)20212020
Consumer:  
Credit cards$175,458 $188,845 
Other consumer172,965 202,379 
Total consumer348,423 391,224 
Real Estate:
Construction and development1,451,841 1,596,255 
Single family residential1,730,056 1,880,673 
Other commercial5,638,010 5,746,863 
Total real estate8,819,907 9,223,791 
Commercial:
Commercial2,444,700 2,574,386 
Agricultural155,921 175,905 
Total commercial2,600,621 2,750,291 
Other426,922 535,591 
Total loans$12,195,873 $12,900,897 
Nonaccrual Loans
The amortized cost basis of nonaccrual loans segregated by class of loans are as follows:

March 31,December 31,
(In thousands)20212020
Consumer:  
Credit cards$397 $301 
Other consumer916 1,219 
Total consumer1,313 1,520 
Real estate:
Construction and development2,296 3,625 
Single family residential24,395 28,062 
Other commercial42,211 24,155 
Total real estate68,902 55,842 
Commercial:
Commercial44,159 65,244 
Agricultural482 273 
Total commercial44,641 65,517 
Total$114,856 $122,879 
Past Due Loans
An age analysis of the amortized cost basis of past due loans, including nonaccrual loans, segregated by class of loans is as follows: 
(In thousands)Gross
30-89 Days
Past Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal
Loans		90 Days
Past Due &
Accruing
March 31, 2021      
Consumer:      
Credit cards$786 $453 $1,239 $174,219 $175,458 $336 
Other consumer1,221 329 1,550 171,415 172,965 85 
Total consumer2,007 782 2,789 345,634 348,423 421 
Real estate:
Construction and development3,296 1,579 4,875 1,446,966 1,451,841 3 
Single family residential17,836 10,806 28,642 1,701,414 1,730,056 21 
Other commercial20,633 8,792 29,425 5,608,585 5,638,010 14 
Total real estate41,765 21,177 62,942 8,756,965 8,819,907 38 
Commercial:
Commercial5,572 6,245 11,817 2,432,883 2,444,700 170 
Agricultural320 412 732 155,189 155,921 6 
Total commercial5,892 6,657 12,549 2,588,072 2,600,621 176 
Other23 — 23 426,899 426,922 — 
Total$49,687 $28,616 $78,303 $12,117,570 $12,195,873 $635 
December 31, 2020
Consumer:
Credit cards$708 $256 $964 $187,881 $188,845 $256 
Other consumer2,771 302 3,073 199,306 202,379 13 
Total consumer3,479 558 4,037 387,187 391,224 269 
Real estate:
Construction and development1,375 3,089 4,464 1,591,791 1,596,255 — 
Single family residential23,726 14,339 38,065 1,842,608 1,880,673 253 
Other commercial2,660 9,586 12,246 5,734,617 5,746,863 — 
Total real estate27,761 27,014 54,775 9,169,016 9,223,791 253 
Commercial:
Commercial7,514 7,429 14,943 2,559,443 2,574,386 56 
Agricultural226 187 413 175,492 175,905 — 
Total commercial7,740 7,616 15,356 2,734,935 2,750,291 56 
Other92 — 92 535,499 535,591 — 
Total$39,072 $35,188 $74,260 $12,826,637 $12,900,897 $578 
Troubled Debt Restructuring
(Dollars in thousands)NumberBalance
Assisted living1$17,310 
Transportation5783 
Consumer373,776 
Hotel17152,864 
Food service32,683 
All other1631,029 
Total79$208,445 
The following table presents a summary of TDRs segregated by class of loans.

 Accruing TDR LoansNonaccrual TDR LoansTotal TDR Loans
(Dollars in thousands)NumberBalanceNumberBalanceNumberBalance
March 31, 2021      
Real estate:
Single-family residential31 $3,133 15 $1,991 46 $5,124 
Other commercial1 48 1 8 2 56 
Total real estate32 3,181 16 1,999 48 5,180 
Commercial:
Commercial3 624 3 1,479 6 2,103 
Total commercial3 624 3 1,479 6 2,103 
Total35 $3,805 19 $3,478 54 $7,283 
 Accruing TDR LoansNonaccrual TDR LoansTotal TDR Loans
(Dollars in thousands)NumberBalanceNumberBalanceNumberBalance
December 31, 2020
Real estate:
Single-family residential28 $2,463 18 $2,736 46 $5,199 
Other commercial1 49 1 12 2 61 
Total real estate29 2,512 19 2,748 48 5,260 
Commercial:
Commercial3 626 3 1,627 6 2,253 
Total commercial3 626 3 1,627 6 2,253 
Total32 $3,138 22 $4,375 54 $7,513 
Loans by Credit Risk Ratings
The following tables present a summary of loans by credit quality indicator, other than pass or current, as of March 31, 2021 and December 31, 2020 segregated by class of loans.

Term Loans Amortized Cost Basis by Origination Year
(In thousands)2021 (YTD)20202019201820172016 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
March 31, 2021
Consumer - credit cards    
Delinquency:
30-89 days past due$— $— $— $— $— $— $786 $— $786 
90+ days past due— — — — — — 453 — 453 
Total consumer - credit cards— — — — — — 1,239 — 1,239 
Consumer - other
Delinquency:
30-89 days past due— 258 142 78 237 421 85 — 1,221 
90+ days past due— 19 76 36 57 137 4 — 329 
Total consumer - other— 277 218 114 294 558 89 — 1,550 
Real estate - C&D
Risk rating:
5 internal grade— 2,664 1,699 — — 16 13,042 — 17,421 
6 internal grade93 2,449 580 387 244 460 8,386 1,955 14,554 
7 internal grade— — — — — — — — — 
Total real estate - C&D93 5,113 2,279 387 244 476 21,428 1,955 31,975 
Real estate - SF residential
Delinquency:
30-89 days past due717 1,906 1,730 3,660 2,229 6,766 828 — 17,836 
90+ days past due— 1,166 628 2,069 2,006 4,311 626 — 10,806 
Total real estate - SF residential717 3,072 2,358 5,729 4,235 11,077 1,454 — 28,642 
Real estate - other commercial
Risk rating:
5 internal grade66,468 121,611 1,463 965 13,348 32,957 89,957 7,293 334,062 
6 internal grade5,944 93,796 3,256 3,686 5,059 9,707 59,872 32,859 214,179 
7 internal grade— — — — 1 — — 1 2 
Total real estate - other commercial72,412 215,407 4,719 4,651 18,408 42,664 149,829 40,153 548,243 
Commercial
Risk rating:
5 internal grade124 3,274 202 67 8 29 5,883 18,954 28,541 
6 internal grade2,027 25,259 2,763 1,430 539 535 59,475 6,924 98,952 
7 internal grade— 3 — 5 2 — — 1 11 
Total commercial2,151 28,536 2,965 1,502 549 564 65,358 25,879 127,504 
Commercial - agriculture
Risk rating:
5 internal grade35 — 6 12 17 — 63 — 133 
6 internal grade58 57 79 279 68 17 105 73 736 
7 internal grade— — — — — — — — — 
Total commercial - agriculture93 57 85 291 85 17 168 73 869 
Other
Delinquency:
30-89 days past due— — — — — 23 — — 23 
90+ days past due— — — — — — — — — 
Total other— — — — — 23 — — 23 
Total$75,466 $252,462 $12,624 $12,674 $23,815 $55,379 $239,565 $68,060 $740,045 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)202020192018201720162015 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
December 31, 2020
Consumer - credit cards    
Delinquency:
30-89 days past due$— $— $— $— $— $— $708 $— $708 
90+ days past due— — — — — — 256 — 256 
Total consumer - credit cards— — — — — — 964 — 964 
Consumer - other
Delinquency:
30-89 days past due234 441 327 658 689 84 339 — 2,772 
90+ days past due79 58 25 80 40 12 8 — 302 
Total consumer - other313 499 352 738 729 96 347 — 3,074 
Real estate - C&D
Risk rating:
5 internal grade2,728 344 259 2,107 19 — 9,613 — 15,070 
6 internal grade294 2,069 404 449 342 320 17,914 14 21,806 
7 internal grade— — — — — — — — — 
Total real estate - C&D3,022 2,413 663 2,556 361 320 27,527 14 36,876 
Real estate - SF residential
Delinquency:
30-89 days past due6,300 2,258 2,593 2,610 2,058 6,050 1,782 76 23,727 
90+ days past due557 1,853 2,735 2,582 832 3,852 1,928 — 14,339 
Total real estate - SF residential6,857 4,111 5,328 5,192 2,890 9,902 3,710 76 38,066 
Real estate - other commercial
Risk rating:
5 internal grade100,085 4,346 10,738 19,943 26,245 10,608 63,305 23,435 258,705 
6 internal grade66,737 9,418 24,380 14,067 3,744 11,158 52,182 39,486 221,172 
7 internal grade— — — — — — — — — 
Total real estate - other commercial166,822 13,764 35,118 34,010 29,989 21,766 115,487 62,921 479,877 
Commercial
Risk rating:
5 internal grade5,707 342 465 972 54 — 12,318 22,546 42,404 
6 internal grade23,227 4,495 1,586 730 276 334 53,682 7,522 91,852 
7 internal grade— — — — — — — — — 
Total commercial28,934 4,837 2,051 1,702 330 334 66,000 30,068 134,256 
Commercial - agriculture
Risk rating:
5 internal grade— 79 13 299 — 6 34 — 431 
6 internal grade86 101 64 47 12 10 68 75 463 
7 internal grade— — — — — — — — — 
Total commercial - agriculture86 180 77 346 12 16 102 75 894 
Total$206,034 $25,804 $43,589 $44,544 $34,311 $32,434 $214,137 $93,154 $694,007 
Allowance for Loan Losses The collateral securing these loans consist of commercial real estate properties, residential properties, other business assets, and secured energy production assets.
(In thousands)Real Estate CollateralEnergyOther CollateralTotal
Construction and development$1,837 $— $— $1,837 
Single family residential5,086 — — 5,086 
Other commercial real estate18,414 — — 18,414 
Commercial— 39,827 3,624 43,451 
Total$25,337 $39,827 $3,624 $68,788 


The following table details activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2021. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories. 

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended March 31, 2021
Beginning balance, January 1, 2021$42,093 $182,868 $7,472 $5,617 $238,050 
Provision for credit loss expense(6,940)14,242 (4,587)(2,715)— 
Charge-offs(830)(1,687)(1,003)(731)(4,251)
Recoveries310 403 290 314 1,317 
Net charge-offs(520)(1,284)(713)(417)(2,934)
Ending balance, March 31, 2021$34,633 $195,826 $2,172 $2,485 $235,116 

Activity in the allowance for credit losses for the three months ended March 31, 2020 was as follows:

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended March 31, 2020
Beginning balance, January 1, 2020 - prior to adoption of CECL$22,863 $39,161 $4,051 $2,169 $68,244 
Impact of CECL adoption22,733 114,314 2,232 12,098 151,377 
Provision for credit loss expense30,907 (12,158)2,750 4,698 26,197 
Charge-offs(523)(396)(1,441)(1,379)(3,739)
Recoveries347 101 225 443 1,116 
Net charge-offs(176)(295)(1,216)(936)(2,623)
Ending balance, March 31, 2020$76,327 $141,022 $7,817 $18,029 $243,195 
The components of the provision for credit losses for the three month periods ended March 31, 2021 and 2020 were as follows:

Three Months Ended
March 31,
(In thousands)20212020
Provision for credit losses related to:  
Loans$— $26,198 
Unfunded commitments— (3,000)
Securities - HTM(697)40 
Securities - AFS2,142 (104)
Total$1,445 $23,134