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Loans and Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2021
Receivables [Abstract]  
Loan Portfolio The various categories of loans are summarized as follows:
 
September 30,December 31,
(In thousands)20212020
Consumer:  
Credit cards$175,884 $188,845 
Other consumer182,492 202,379 
Total consumer358,376 391,224 
Real Estate:
Construction and development1,229,740 1,596,255 
Single family residential1,540,701 1,880,673 
Other commercial5,308,902 5,746,863 
Total real estate8,079,343 9,223,791 
Commercial:
Commercial1,821,905 2,574,386 
Agricultural216,735 175,905 
Total commercial2,038,640 2,750,291 
Other348,868 535,591 
Total loans$10,825,227 $12,900,897 
Nonaccrual Loans
The amortized cost basis of nonaccrual loans segregated by category of loans are as follows:

September 30,December 31,
(In thousands)20212020
Consumer:  
Credit cards$390 $301 
Other consumer391 1,219 
Total consumer781 1,520 
Real estate:
Construction and development2,330 3,625 
Single family residential21,068 28,062 
Other commercial17,838 24,155 
Total real estate41,236 55,842 
Commercial:
Commercial16,532 65,244 
Agricultural505 273 
Total commercial17,037 65,517 
Total$59,054 $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
September 30, 2021      
Consumer:      
Credit cards$751 $253 $1,004 $174,880 $175,884 $154 
Other consumer925 90 1,015 181,477 182,492 1 
Total consumer1,676 343 2,019 356,357 358,376 155 
Real estate:
Construction and development2,854 605 3,459 1,226,281 1,229,740 5 
Single family residential6,546 6,154 12,700 1,528,001 1,540,701 75 
Other commercial2,293 13,620 15,913 5,292,989 5,308,902 — 
Total real estate11,693 20,379 32,072 8,047,271 8,079,343 80 
Commercial:
Commercial2,130 6,639 8,769 1,813,136 1,821,905 99 
Agricultural140 459 599 216,136 216,735 — 
Total commercial2,270 7,098 9,368 2,029,272 2,038,640 99 
Other7 — 7 348,861 348,868 — 
Total$15,646 $27,820 $43,466 $10,781,761 $10,825,227 $334 
(In thousands)Gross
30-89 Days
Past Due		90 Days
or More
Past Due		Total
Past Due		CurrentTotal
Loans		90 Days
Past Due &
Accruing
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
September 30, 2021      
Real estate:
Single-family residential28 $2,994 12 $1,141 40 $4,135 
Other commercial2 820 1 1 3 821 
Total real estate30 3,814 13 1,142 43 4,956 
Commercial:
Commercial2 437 2 1,408 4 1,845 
Total commercial2 437 2 1,408 4 1,845 
Total32 $4,251 15 $2,550 47 $6,801 
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 nine month periods ended September 30, 2021 and 2020. There were no loans restructured as TDRs during the three month periods ended September 30, 2021 and 2020.
 
(Dollars in thousands)Number of loansBalance Prior to TDRBalance at September 30,Change in Maturity DateChange in RateFinancial Impact on Date of Restructure
Nine Months Ended Sept 30, 2021     
Real estate:
Other commercial1 $784 $778 $— $778 $— 
Total real estate1 $784 $778 $— $778 $— 
Nine Months Ended Sept 30, 2020
Real estate:
Single-family residential5 $1,948 $1,896 $1,896 $— $— 
Total real estate5 $1,948 $1,896 $1,896 $— $— 
Loans by Credit Risk Ratings
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
Consumer - credit cards    
Delinquency:
Current— — — — — — 174,880 — 174,880 
30-89 days past due— — — — — — 751 — 751 
90+ days past due— — — — — — 253 — 253 
Total consumer - credit cards— — — — — — 175,884 — 175,884 
Consumer - other
Delinquency:
Current105,415 26,334 15,158 8,396 7,051 5,138 13,985 — 181,477 
30-89 days past due197 148 113 142 184 129 12 — 925 
90+ days past due— 14 27 9 20 19 1 — 90 
Total consumer - other105,612 26,496 15,298 8,547 7,255 5,286 13,998 — 182,492 
Real estate - C&D
Risk rating:
Pass47,644 94,278 33,487 19,254 12,848 10,030 982,776 21,429 1,221,746 
Special mention— — 279 — — — — — 279 
Substandard1,801 83 146 57 328 674 2,673 1,953 7,715 
Doubtful and loss— — — — — — — — — 
Total real estate - C&D49,445 94,361 33,912 19,311 13,176 10,704 985,449 23,382 1,229,740 
Real estate - SF residential
Delinquency:
Current223,243 245,410 152,838 229,241 179,874 318,019 169,693 9,683 1,528,001 
30-89 days past due— 217 1,124 704 1,279 2,215 1,007 — 6,546 
90+ days past due67 380 595 1,141 1,528 1,785 586 72 6,154 
Total real estate - SF residential223,310 246,007 154,557 231,086 182,681 322,019 171,286 9,755 1,540,701 
Real estate - other commercial
Risk rating:
Pass712,198 825,416 361,642 305,381 484,230 549,452 1,410,186 217,398 4,865,903 
Special mention32,752 57,067 2,833 7,666 34,164 8,723 91,572 7,194 241,971 
Substandard33,001 25,289 6,172 9,800 33,130 22,630 50,335 20,671 201,028 
Doubtful and loss— — — — — — — — — 
Total real estate - other commercial777,951 907,772 370,647 322,847 551,524 580,805 1,552,093 245,263 5,308,902 
Commercial
Risk rating:
Pass419,739 212,161 91,328 66,078 30,687 44,298 852,103 46,186 1,762,580 
Special mention— 2,438 569 210 252 384 106 11,016 14,975 
Substandard3,726 18,934 2,016 1,512 688 978 10,048 6,448 44,350 
Doubtful and loss— — — — — — — — — 
Total commercial423,465 233,533 93,913 67,800 31,627 45,660 862,257 63,650 1,821,905 
Commercial - agriculture
Risk rating:
Pass27,000 22,841 11,726 4,599 2,688 655 144,909 1,447 215,865 
Special mention— — — 9 — — — — 9 
Substandard192 70 99 254 68 9 99 70 861 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture27,192 22,911 11,825 4,862 2,756 664 145,008 1,517 216,735 
Other
Delinquency:
Current58 4,789 1,287 24,108 5,483 6,111 307,025 — 348,861 
30-89 days past due— — — — — 7 — — 7 
90+ days past due— — — — — — — — — 
Total other58 4,789 1,287 24,108 5,483 6,118 307,025 — 348,868 
Total$1,607,033 $1,535,869 $681,439 $678,561 $794,502 $971,256 $4,213,000 $343,567 $10,825,227 
The following table presents a summary of loans by credit quality indicator, as of December 31, 2020, segregated by class of loans.

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
Consumer - credit cards    
Delinquency:
Current— — — — — — 187,881 — 187,881 
30-89 days past due— — — — — — 708 — 708 
90+ days past due— — — — — — 256 — 256 
Total consumer - credit cards— — — — — — 188,845 — 188,845 
Consumer - other
Delinquency:
Current69,334 44,215 27,525 21,995 19,023 2,530 14,684 — 199,306 
30-89 days past due234 441 327 658 689 84 338 — 2,771 
90+ days past due79 58 25 80 40 12 8 — 302 
Total consumer - other69,647 44,714 27,877 22,733 19,752 2,626 15,030 — 202,379 
Real estate - C&D
Risk rating:
Pass165,990 35,989 31,279 15,960 9,233 4,807 1,272,870 23,251 1,559,379 
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&D169,012 38,402 31,942 18,516 9,594 5,127 1,300,397 23,265 1,596,255 
Real estate - SF residential
Delinquency:
Current473,340 209,810 297,308 235,429 183,229 236,395 196,505 10,592 1,842,608 
30-89 days past due6,300 2,258 2,593 2,610 2,058 6,050 1,781 76 23,726 
90+ days past due557 1,853 2,735 2,582 832 3,852 1,928 — 14,339 
Total real estate - SF residential480,197 213,921 302,636 240,621 186,119 246,297 200,214 10,668 1,880,673 
Real estate - other commercial
Risk rating:
Pass1,563,245 525,750 375,303 518,534 372,679 284,098 1,445,428 181,949 5,266,986 
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 commercial1,730,067 539,514 410,421 552,544 402,668 305,864 1,560,915 244,870 5,746,863 
Commercial
Risk rating:
Pass1,168,085 154,740 110,383 65,757 35,198 45,568 803,751 56,648 2,440,130 
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 commercial1,197,019 159,577 112,434 67,459 35,528 45,902 869,751 86,716 2,574,386 
Commercial - agriculture
Risk rating:
Pass36,128 19,144 10,014 4,671 1,916 340 101,238 1,560 175,011 
Special mention— 79 13 299 — 6 34 — 431 
Substandard86 101 64 47 12 10 68 75 463 
Doubtful and loss— — — — — — — — — 
Total commercial - agriculture36,214 19,324 10,091 5,017 1,928 356 101,340 1,635 175,905 
Other
Delinquency:
Current125 4,260 27,256 6,489 2,628 6,065 488,676 — 535,499 
30-89 days past due59 — — — 33 — — — 92 
90+ days past due— — — — — — — — — 
Total other184 4,260 27,256 6,489 2,661 6,065 488,676 — 535,591 
Total$3,682,340 $1,019,712 $922,657 $913,379 $658,250 $612,237 $4,725,168 $367,154 $12,900,897 
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$4,181 $— $— $4,181 
Single family residential2,921 — — 2,921 
Other commercial real estate31,672 — — 31,672 
Commercial— — 3,317 3,317 
Total$38,774 $— $3,317 $42,091 

The following table details activity in the allowance for credit losses by portfolio segment for the three and nine months ended September 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 September 30, 2021
Beginning balance, July 1, 2021$29,793 $188,388 $5,442 $3,616 $227,239 
Provision for credit loss expense(11,853)(7,668)(247)(122)(19,890)
Charge-offs(932)(5,941)(711)(463)(8,047)
Recoveries463 2,068 267 408 3,206 
Net charge-offs(469)(3,873)(444)(55)(4,841)
Ending balance, September 30, 2021$17,471 $176,847 $4,751 $3,439 $202,508 
Nine Months Ended September 30, 2021
Beginning balance, January 1, 2021$42,093 $182,868 $7,472 $5,617 $238,050 
Provision for credit loss expense(25,453)(1,948)(763)(1,737)(29,901)
Charge-offs(2,099)(8,068)(2,759)(1,577)(14,503)
Recoveries2,930 3,995 801 1,136 8,862 
Net charge-offs831 (4,073)(1,958)(441)(5,641)
Ending balance, September 30, 2021$17,471 $176,847 $4,751 $3,439 $202,508 

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

(In thousands)CommercialReal
Estate		Credit
Card		Other
Consumer
and Other		Total
Allowance for credit losses:
Three Months Ended September 30, 2020
Beginning balance, July 1, 2020$59,138 $149,471 $10,979 $12,055 $231,643 
Provision for credit losses(6,499)33,479 (1,823)(2,844)22,313 
Charge-offs(4,327)(1,153)(832)(1,091)(7,403)
Recoveries936 120 276 366 1,698 
Net (charge-offs) recoveries(3,391)(1,033)(556)(725)(5,705)
Ending balance, September 30, 2020$49,248 $181,917 $8,600 $8,486 $248,251 
Nine Months Ended September 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 expense42,808 31,341 4,870 (3,829)75,190 
Charge-offs(40,537)(3,373)(3,326)(3,062)(50,298)
Recoveries1,381 474 773 1,110 3,738 
Net charge-offs(39,156)(2,899)(2,553)(1,952)(46,560)
Ending balance, September 30, 2020$49,248 $181,917 $8,600 $8,486 $248,251 
The components of the provision for credit losses for the three and nine month periods ended September 30, 2021 and 2020 were as follows:

Three Months Ended
September 30,		Nine Months Ended
September 30,
(In thousands)2021202020212020
Provision for credit losses related to:  
Loans$(19,890)$22,313 $(29,901)$75,190 
Unfunded commitments— — — (8,000)
Securities - HTM— 66 (1,183)4 
Securities - AFS— 602 (312)836 
Total$(19,890)$22,981 $(31,396)$68,030