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Loans and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2021
Receivables [Abstract]  
Loan Portfolio The various categories of loans are summarized as follows:
 
June 30,December 31,
(In thousands)20212020
Consumer:  
Credit cards$177,634 $188,845 
Other consumer181,712 202,379 
Total consumer359,346 391,224 
Real Estate:
Construction and development1,428,165 1,596,255 
Single family residential1,608,028 1,880,673 
Other commercial5,332,655 5,746,863 
Total real estate8,368,848 9,223,791 
Commercial:
Commercial2,074,729 2,574,386 
Agricultural193,462 175,905 
Total commercial2,268,191 2,750,291 
Other389,967 535,591 
Total loans$11,386,352 $12,900,897 
Nonaccrual Loans
The amortized cost basis of nonaccrual loans segregated by category of loans are as follows:

June 30,December 31,
(In thousands)20212020
Consumer:  
Credit cards$282 $301 
Other consumer594 1,219 
Total consumer876 1,520 
Real estate:
Construction and development1,737 3,625 
Single family residential29,553 28,062 
Other commercial19,018 24,155 
Total real estate50,308 55,842 
Commercial:
Commercial28,649 65,244 
Agricultural449 273 
Total commercial29,098 65,517 
Total$80,282 $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
June 30, 2021      
Consumer:      
Credit cards$644 $273 $917 $176,717 $177,634 $132 
Other consumer944 121 1,065 180,647 181,712 — 
Total consumer1,588 394 1,982 357,364 359,346 132 
Real estate:
Construction and development4,360 1,595 5,955 1,422,210 1,428,165 — 
Single family residential6,883 8,061 14,944 1,593,084 1,608,028 — 
Other commercial11,846 15,242 27,088 5,305,567 5,332,655 127 
Total real estate23,089 24,898 47,987 8,320,861 8,368,848 127 
Commercial:
Commercial18,162 9,167 27,329 2,047,400 2,074,729 394 
Agricultural105 353 458 193,004 193,462 — 
Total commercial18,267 9,520 27,787 2,240,404 2,268,191 394 
Other— — — 389,967 389,967 — 
Total$42,944 $34,812 $77,756 $11,308,596 $11,386,352 $653 
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
The following table presents a summary of TDRs segregated by class of loans.

 Accruing TDR LoansNonaccrual TDR LoansTotal TDR Loans
(Dollars in thousands)NumberBalanceNumberBalanceNumberBalance
June 30, 2021      
Real estate:
Single-family residential29 $3,074 13 $1,242 42 $4,316 
Other commercial2 825 1 5 3 830 
Total real estate31 3,899 14 1,247 45 5,146 
Commercial:
Commercial1 537 3 1,413 4 1,950 
Total commercial1 537 3 1,413 4 1,950 
Total32 $4,436 17 $2,660 49 $7,096 
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 
The following table presents loans that were restructured as TDRs during the three and six month periods ended June 30, 2021 and 2020.
 
(Dollars in thousands)Number of loansBalance Prior to TDRBalance at June 30,Change in Maturity DateChange in RateFinancial Impact on Date of Restructure
Three and Six Months Ended June 30, 2021     
Real estate:
Other commercial1 $784 $778 $— $778 $— 
Total real estate1 $784 $778 $— $778 $— 
Three and Six Months Ended June 30, 2020
Real estate:
Single-family residential1 $147 $147 $147 $— $— 
Total real estate1 $147 $147 $147 $— $— 
Loans by Credit Risk Ratings
The following tables present a summary of loans by credit quality indicator, other than pass or current, as of June 30, 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
June 30, 2021
Consumer - credit cards    
Delinquency:
30-89 days past due$— $— $— $— $— $— $644 $— $644 
90+ days past due— — — — — — 273 — 273 
Total consumer - credit cards— — — — — — 917 — 917 
Consumer - other
Delinquency:
30-89 days past due44 193 81 174 178 208 66 — 944 
90+ days past due— 13 56 2 33 17 — — 121 
Total consumer - other44 206 137 176 211 225 66 — 1,065 
Real estate - C&D
Risk rating:
Special mention— — 292 — 1,360 — — — 1,652 
Substandard1,740 42 547 401 333 733 10,513 1,954 16,263 
Doubtful and loss— — — — — — — — — 
Total real estate - C&D1,740 42 839 401 1,693 733 10,513 1,954 17,915 
Real estate - SF residential
Delinquency:
30-89 days past due111 1,034 540 2,033 844 1,744 505 72 6,883 
90+ days past due— 69 1,203 2,177 1,870 2,197 545 — 8,061 
Total real estate - SF residential111 1,103 1,743 4,210 2,714 3,941 1,050 72 14,944 
Real estate - other commercial
Risk rating:
Special mention30,225 69,187 1,818 8,584 40,531 34,225 127,273 18,393 330,236 
Substandard25,532 25,865 6,477 15,304 33,640 23,723 50,734 20,480 201,755 
Doubtful and loss— — — — — — — — — 
Total real estate - other commercial55,757 95,052 8,295 23,888 74,171 57,948 178,007 38,873 531,991 
Commercial
Risk rating:
Special mention— 1,247 354 523 392 752 5,380 12,438 21,086 
Substandard3,627 21,024 3,616 2,035 796 799 25,859 6,601 64,357 
Doubtful and loss— — — — — — — — — 
Total commercial3,627 22,271 3,970 2,558 1,188 1,551 31,239 19,039 85,443 
Commercial - agriculture
Risk rating:
Special mention— — 6 10 15 — — — 31 
Substandard105 65 121 294 64 20 229 72 970 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture105 65 127 304 79 20 229 72 1,001 
Other
Delinquency:
30-89 days past due— — — — — — — — — 
90+ days past due— — — — — — — — — 
Total other— — — — — — — — — 
Total$61,384 $118,739 $15,111 $31,537 $80,056 $64,418 $222,021 $60,010 $653,276 
Term Loans Amortized Cost Basis by Origination Year
(In thousands)202020192018201720162015 and PriorLines of Credit (“LOC”) Amortized Cost BasisLOC Converted to Term Loans Amortized Cost BasisTotal
December 31, 2020
Consumer - credit cards    
Delinquency:
30-89 days past due$— $— $— $— $— $— $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:
Special mention2,728 344 259 2,107 19 — 9,613 — 15,070 
Substandard294 2,069 404 449 342 320 17,914 14 21,806 
Doubtful and loss— — — — — — — — — 
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:
Special mention100,085 4,346 10,738 19,943 26,245 10,608 63,305 23,435 258,705 
Substandard66,737 9,418 24,380 14,067 3,744 11,158 52,182 39,486 221,172 
Doubtful and loss— — — — — — — — — 
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:
Special mention5,707 342 465 972 54 — 12,318 22,546 42,404 
Substandard23,227 4,495 1,586 730 276 334 53,682 7,522 91,852 
Doubtful and loss— — — — — — — — — 
Total commercial28,934 4,837 2,051 1,702 330 334 66,000 30,068 134,256 
Commercial - agriculture
Risk rating:
Special mention— 79 13 299 — 6 34 — 431 
Substandard86 101 64 47 12 10 68 75 463 
Doubtful and loss— — — — — — — — — 
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$2,788 $— $— $2,788 
Single family residential2,940 — — 2,940 
Other commercial real estate34,431 — — 34,431 
Commercial— 30,677 3,979 34,656 
Total$40,159 $30,677 $3,979 $74,815 

The following table details activity in the allowance for credit losses by portfolio segment for the three and six months ended June 30, 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 June 30, 2021
Beginning balance, April 1, 2021$34,633 $195,826 $2,172 $2,485 $235,116 
Provision for credit loss expense(6,678)(8,522)4,072 1,117 (10,011)
Charge-offs(309)(439)(1,046)(411)(2,205)
Recoveries2,147 1,523 244 425 4,339 
Net charge-offs1,838 1,084 (802)14 2,134 
Ending balance, June 30, 2021$29,793 $188,388 $5,442 $3,616 $227,239 
Six Months Ended June 30, 2021
Beginning balance, January 1, 2021$42,093 $182,868 $7,472 $5,617 $238,050 
Provision for credit loss expense(13,599)5,720 (515)(1,617)(10,011)
Charge-offs(1,168)(2,126)(2,049)(1,113)(6,456)
Recoveries2,467 1,926 534 729 5,656 
Net charge-offs1,299 (200)(1,515)(384)(800)
Ending balance, June 30, 2021$29,793 $188,388 $5,442 $3,616 $227,239 

Activity in the allowance for credit losses for the three and six months ended June 30, 2020 was as follows:

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended June 30, 2020
Beginning balance, April 1, 2020$76,327 $141,022 $7,817 $18,029 $243,195 
Provision for credit losses18,400 10,020 3,943 (5,685)26,678 
Charge-offs(35,687)(1,824)(1,053)(592)(39,156)
Recoveries98 253 272 303 926 
Net (charge-offs) recoveries(35,589)(1,571)(781)(289)(38,230)
Ending balance, June 30, 2020$59,138 $149,471 $10,979 $12,055 $231,643 
Six Months Ended June 30, 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 expense49,307 (2,138)6,693 (987)52,875 
Charge-offs(36,210)(2,220)(2,494)(1,971)(42,895)
Recoveries445 354 497 746 2,042 
Net charge-offs(35,765)(1,866)(1,997)(1,225)(40,853)
Ending balance, June 30, 2020$59,138 $149,471 $10,979 $12,055 $231,643 
The components of the provision for credit losses for the three and six month periods ended June 30, 2021 and 2020 were as follows:

Three Months Ended
June 30,		Six Months Ended
June 30,
(In thousands)2021202020212020
Provision for credit losses related to:  
Loans$(10,011)$26,678 $(10,011)$52,875 
Unfunded commitments— (5,001)— (8,000)
Securities - HTM(486)(102)(1,183)(62)
Securities - AFS(2,454)340 (312)236 
Total$(12,951)$21,915 $(11,506)$45,049