LOANS RECEIVABLE AND THE ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2014

Schedule of Loans Receivable, Including Loans Held for Sale

Loans receivable, including loans held for sale, at December 31, 2014 and 2013 are summarized as follows (dollars in thousands):



	December 31, 2014					December 31, 2013
	Amount			Percent of Total		Amount			Percent of Total
Commercial real estate:
Owner-occupied	$	546,783		14.3	%	$	502,601		14.7	%
Investment properties	856,942			22.3		692,457			20.2
Multifamily real estate	167,524			4.4		137,153			4.0
Commercial construction	17,337			0.4		12,168			0.4
Multifamily construction	60,193			1.6		52,081			1.5
One- to four-family construction	219,889			5.7		200,864			5.9
Land and land development:
Residential	102,435			2.7		75,695			2.2
Commercial	11,152			0.3		10,450			0.3
Commercial business	723,964			18.9		682,169			20.0
Agricultural business, including secured by farmland	238,499			6.2		228,291			6.7
One- to four-family residential	539,894			14.1		529,494			15.5
Consumer:
Consumer secured by one- to four-family	222,205			5.8		173,188			5.1
Consumer—other	127,003			3.3		121,834			3.5
Total loans outstanding	3,833,820			100.0	%	3,418,445			100.0	%
Less allowance for loan losses	(75,907		)			(74,258		)
Net loans	$	3,757,913				$	3,344,187

Loan amounts are net of unearned, unamortized loan fees (and costs) of approximately $5.8 million at December 31, 2014 and approximately $8.3 million at December 31, 2013.

Schedule of Loans Receivable by Geographic Location

The Company’s loans by geographic concentration at December 31, 2014 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Other			Total
Commercial real estate:
Owner-occupied	$	383,950		$	86,937		$	56,348		$	19,548		$	546,783
Investment properties	523,806			124,604			60,053			148,479			856,942
Multifamily real estate	116,793			35,527			14,759			445			167,524
Commercial construction	15,599			—			1,738			—			17,337
Multifamily construction	50,931			8,850			412			—			60,193
One- to four-family construction	129,499			88,468			1,922			—			219,889
Land and land development:
Residential	56,675			44,707			1,053			—			102,435
Commercial	5,781			2,529			2,842			—			11,152
Commercial business	397,103			125,235			85,580			116,046			723,964
Agricultural business, including secured by farmland	119,617			69,843			48,997			42			238,499
One- to four-family residential	341,944			172,974			24,223			753			539,894
Consumer:
Consumer secured by one- to four-family	136,888			69,172			14,984			1,161			222,205
Consumer—other	79,520			40,803			6,243			437			127,003
Total loans	$	2,358,106		$	869,649		$	319,154		$	286,911		$	3,833,820
Percent of total loans	61.5		%	22.7		%	8.3		%	7.5		%	100.0		%

Schedule of Land and Land Development Loans Receivable by State

The geographic concentrations of land and land development loans by state at December 31, 2014 were as follows (dollars in thousands):



	Washington			Oregon			Idaho			Total
Residential:
Acquisition and development	$	28,901		$	24,378		$	916		$	54,195
Improved land and lots	21,703			17,262			137			39,102
Unimproved land	6,071			3,067			—			9,138
Commercial and industrial:
Improved land and lots	3,750			478			1,783			6,011
Unimproved land	2,031			2,051			1,059			5,141
Total land and land development loans	$	62,456		$	47,236		$	3,895		$	113,587
Percent of land and land development loans	55.0		%	41.6		%	3.4		%	100.0		%

Schedule of Adjustable and Fixed Rate Loans by Contractual Maturity Date

At December 31, 2014 and 2013, the maturity and repricing composition of those loans, less undisbursed amounts and deferred fees and origination costs, were as follows (in thousands):



	December 31
	2014		2013
Fixed-rate (term to maturity):
Maturing in one year or less	$	115,571	$	122,313
Maturing after one year through three years	184,707		143,322
Maturing after three years through five years	180,449		187,279
Maturing after five years through ten years	240,742		209,869
Maturing after ten years	572,793		439,004
Total fixed-rate loans	1,294,262		1,101,787
Adjustable-rate (term to rate adjustment):
Maturing or repricing in one year or less	1,468,316		1,390,579
Maturing or repricing after one year through three years	416,433		279,791
Maturing or repricing after three years through five years	566,371		541,529
Maturing or repricing after five years through ten years	87,506		99,503
Maturing or repricing after ten years	932		5,256
Total adjustable-rate loans	2,539,558		2,316,658
Total loans	$	3,833,820	$	3,418,445

Schedule of Loans to Related Parties

Such loans had the following balances and activity during the years ended December 31, 2014 and 2013 (in thousands):



	Years Ended December 31
	2014			2013
Balance at beginning of year	$	15,976		$	12,463
New loans or advances	38,241			39,921
Repayments and adjustments	(45,608		)	(36,408		)
Balance at end of period	$	8,609		$	15,976

Schedule of Impaired Loans and Related Allocated Reserve for Loan Losses

The amount of impaired loans and the related allocated reserve for loan losses at the dates indicated were as follows (in thousands):



	December 31, 2014				December 31, 2013
	Loan Amount		Allocated Reserves		Loan Amount		Allocated Reserves
Impaired loans:
Nonaccrual loans
Commercial real estate:
Owner-occupied	$	1,365	$	20	$	2,466	$	31
Investment properties	32		5		3,821		89
One- to four-family construction	—		—		269		—
Land and land development:
Residential	1,275		—		924		6
Commercial business	537		46		724		104
Agricultural business, including secured by farmland	1,597		26		—		—
One- to four-family residential	8,507		35		12,532		250
Consumer:
Consumer secured by one- to four-family	838		47		903		13
Consumer—other	411		—		269		1
Total nonaccrual loans	14,562		179		21,908		494

Loans 90 days past due and still accruing
Agricultural business, including secured by farmland	—		—		105		8
One- to four-family residential	2,095		10		2,611		16
Consumer:
Consumer secured by one- to four-family	80		—		13		—
Consumer—other	—		—		131		1
Total loans 90 days past due and still accruing	2,175		10		2,860		25

Troubled debt restructuring on accrual status:
Commercial real estate:
Owner-occupied	184		4		186		4
Investment properties	6,021		724		5,367		415
Multifamily real estate	786		86		5,744		1,139
One- to four-family construction	3,923		640		6,864		1,002
Land and land development:
Residential	1,279		346		4,061		754
Commercial business	739		82		1,299		222
One- to four-family residential	15,792		987		23,302		1,355
Consumer:
Consumer secured by one- to four-family	233		28		360		33
Consumer—other	197		6		245		34
Total troubled debt restructurings on accrual status	29,154		2,903		47,428		4,958
Total impaired loans	$	45,891	$	3,092	$	72,196	$	5,477

As of December 31, 2014 and 2013, the Company had commitments to advance funds up to an additional amount of $2.1 million and $225,000, respectively, related to TDRs.

Schedule of Impaired Loans With and Without Specific Reserves

The following tables provide additional information on impaired loans with and without specific allowance reserves as of December 31, 2014 and December 31, 2013. Recorded investment includes the unpaid principal balance or the carrying amount of loans less charge-offs and net deferred loan fees (in thousands):



	At or For the Year Ended December 31, 2014
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate:
Owner-occupied	$	399	$	449	$	20	$	526	$	—
Investment properties	32		32		5		44		—
Commercial business	537		763		46		566		—
Agricultural business, including secured by farmland	853		853		26		1,122		—
One- to four-family residential	8,546		9,244		18		7,284		29
Consumer:
Consumer secured by one- to four-family	783		888		11		838		3
Consumer—other	295		305		—		270		—
	11,445		12,534		126		10,650		32
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	1,149		1,149		4		1,315		12
Investment properties	6,022		6,426		724		6,101		315
Multifamily real estate	786		786		86		795		45
One- to four-family construction	3,923		3,923		640		2,655		118
Land and land development:
Residential	2,554		3,710		346		2,872		89
Commercial business	739		739		82		762		41
Agricultural business, including secured by farmland	744		744		—		744		—
One- to four-family residential	17,848		18,611		1,014		18,809		841
Consumer:
Consumer secured by one- to four-family	368		368		64		410		16
Consumer—other	313		329		6		327		19
	34,446		36,785		2,966		34,790		1,496
Total
Commercial real estate:
Owner occupied	1,548		1,598		24		1,841		12
Investment properties	6,054		6,458		729		6,145		315
Multifamily real estate	786		786		86		795		45
One- to four-family construction	3,923		3,923		640		2,655		118
Land and land development:
Residential	2,554		3,710		346		2,872		89
Commercial business	1,276		1,502		128		1,328		41
Agricultural business, including secured by farmland	1,597		1,597		26		1,866		—
One- to four-family residential	26,394		27,855		1,032		26,093		870
Consumer:
Consumer secured by one- to four-family	1,151		1,256		75		1,248		19
Consumer—other	608		634		6		597		19
	$	45,891	$	49,319	$	3,092	$	45,440	$	1,528



	At or For the Year Ended December 31, 2013
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Without a specific allowance reserve ⁽¹⁾
Commercial real estate:
Owner-occupied	$	534	$	584	$	31	$	569	$	—
Investment properties	429		974		89		624		—
Commercial business	724		1,040		104		896		—
Agricultural business, including secured by farmland	105		105		8		110		8
One- to four-family residential	8,611		9,229		42		8,889		31
Consumer:
Consumer secured by one- to four-family	870		1,013		13		900		1
Consumer—other	276		285		2		287		8
	11,549		13,230		289		12,275		48
With a specific allowance reserve ⁽²⁾
Commercial real estate:
Owner-occupied	2,118		2,118		4		2,192		12
Investment properties	8,759		10,395		415		8,353		241
Multifamily real estate	5,744		5,744		1,139		5,705		298
One- to four-family construction	7,133		7,213		1,002		5,870		239
Land and land development:
Residential	4,985		6,140		760		6,053		221
Commercial business	1,298		1,298		222		1,340		59
One- to four-family residential	29,834		31,440		1,579		31,668		1,032
Consumer:
Consumer secured by one- to four-family	406		407		33		503		24
Consumer—other	370		386		34		390		21
	60,647		65,141		5,188		62,074		2,147
Total
Commercial real estate:
Owner-occupied	2,652		2,702		35		2,761		12
Investment properties	9,188		11,369		504		8,977		241
Multifamily real estate	5,744		5,744		1,139		5,705		298
One- to four-family construction	7,133		7,213		1,002		5,870		239
Land and land development:
Residential	4,985		6,140		760		6,053		221
Commercial business	2,022		2,338		326		2,236		59
Agricultural business, including secured by farmland	105		105		8		110		8
One- to four-family residential	38,445		40,669		1,621		40,557		1,063
Consumer:
Consumer secured by one- to four-family	1,276		1,420		46		1,403		25
Consumer—other	646		671		36		677		29
	$	72,196	$	78,371	$	5,477	$	74,349	$	2,195


⁽¹⁾	Loans without a specific allowance reserve have not been individually evaluated for impairment, but have been included in pools of homogeneous loans for evaluation of related allowance reserves.

⁽²⁾

Loans with a specific allowance reserve have been individually evaluated for impairment using either a discounted cash flow analysis or, for collateral dependent loans, current appraisals to establish realizable value. These analyses may identify a specific impairment amount needed or may conclude that no reserve is needed. Any specific impairment that is identified is included in the category’s "Related Allowance" column.

Schedule of Troubled Debt Restructurings

The following tables present TDRs at December 31, 2014 and 2013 (in thousands):



	December 31, 2014
	Accrual Status		Nonaccrual Status		Total TDRs
Commercial real estate:
Owner-occupied	$	183	$	109	$	292
Investment properties	6,021		32		6,053
Multifamily real estate	786		—		786
One- to four-family construction	3,923		—		3,923
Land and land development:
Residential	1,279		525		1,804
Commercial business	739		87		826
One- to four-family residential	15,793		1,363		17,156
Consumer:
Consumer secured by one- to four-family	233		117		350
Consumer—other	197		116		313
	$	29,154	$	2,349	$	31,503



	December 31, 2013
	Accrual Status		Nonaccrual Status		Total TDRs
Commercial real estate:
Owner-occupied	$	186	$	613	$	799
Investment properties	5,367		1,630		6,997
Multifamily real estate	5,744		—		5,744
One- to four-family construction	6,864		269		7,133
Land and land development:
Residential	4,061		174		4,235
Commercial business	1,299		164		1,463
One- to four-family residential	23,302		2,474		25,776
Consumer:
Consumer secured by one- to four-family	360		252		612
Consumer—other	245		123		368
	$	47,428	$	5,699	$	53,127

Schedule of Newly Restructured Loans

The following tables present new TDRs that occurred during the years ended December 31, 2014 and 2013 (dollars in thousands):



	Year Ended December 31, 2014
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate:
Owner-occupied	1	$	203	$	203
One- to four-family construction	10	2,153		2,153
Commercial business	1	100		100
One- to four-family residential	4	905		862
Consumer - other	1	9		9
	17	$	3,370	$	3,327



	Year Ended December 31, 2013
	Number of Contracts	Pre-modification Outstanding Recorded Investment		Post-modification Outstanding Recorded Investment
Recorded Investment ^{(1) (2)}
Commercial real estate:
Owner-occupied	1	$	1,246	$	1,246
Multifamily real estate	1	375		375
One- to four-family construction	8	3,082		3,082
Land and land development:
Residential	2	1,029		1,029
Commercial business	1	100		100
One- to four-family residential	10	2,726		2,726
	23	$	8,558	$	8,558


⁽¹⁾	Since most loans were already considered classified and/or on non-accrual status prior to restructuring, the modifications did not have a material effect on the Company’s determination of the allowance for loan losses.


⁽²⁾	The majority of these modifications do not fit into one separate type, such as: rate, term, amount, interest-only or payment; but instead are a combination of multiple types of modifications, therefore they are disclosed in aggregate.

Schedule of Troubled Debt Restructurings Which Incurred A Payment Default

The following table presents TDRs which incurred a payment default within the years ended December 31, 2014 and 2013, for which the payment default occurred within twelve months of the restructure date. A default on a restructured loan results in a transfer to nonaccrual status, a charge-off or a combination of both (in thousands):



	Years Ended December 31
	2014			2013
	Number of Loans	Amount		Number of Loans	Amount
Construction and land	—	$	—	2	$	483
Commercial business	—	—		2	321
One- to four-family residential	—	—		2	222
Total	—	$	—	6	$	1,026

Schedule of the Portfolio of Risk-Rated Loans and Non-Risk-Rated Loans by Grade or Other Characteristic

The following table shows Banner’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristic as of December 31, 2014 (in thousands):



	December 31, 2014
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,375,885	$	166,712	$	395,356	$	691,143	$	234,101	$	527,384	$	346,456	$	3,737,037
Special mention	3,717		—		—		27,453		1,055		63		140		32,428
Substandard	24,123		812		15,650		5,368		3,343		12,447		2,601		64,344
Doubtful	—		—		—		—		—		—		11		11
Total loans	$	1,403,725	$	167,524	$	411,006	$	723,964	$	238,499	$	539,894	$	349,208	$	3,833,820
Performing loans	$	1,402,328	$	167,524	$	409,731	$	723,427	$	236,902	$	529,292	$	347,880	$	3,817,084
Non-performing loans ⁽²⁾	1,397		—		1,275		537		1,597		10,602		1,328		16,736
Total loans	$	1,403,725	$	167,524	$	411,006	$	723,964	$	238,499	$	539,894	$	349,208	$	3,833,820


⁽¹⁾	The Pass category includes some performing loans that are part of homogenous pools which are not individually risk-rated. This includes all consumer loans, all one- to four-family residential loans and, as of December 31, 2014, in the commercial business category, $115 million of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.


⁽²⁾	Non-performing loans include loans on non-accrual status and loans more than 90 days delinquent, but still accruing interest.

The following table shows Banner’s portfolio of risk-rated loans and non-risk-rated loans by grade or other characteristic as of December 31, 2013 (in thousands):



	December 31, 2013
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Total Loans
Risk-rated loans:
Pass (Risk Ratings 1-5) ⁽¹⁾	$	1,160,921	$	131,523	$	332,150	$	655,007	$	225,329	$	511,967	$	291,992	$	3,308,889
Special mention	6,614		—		350		10,484		561		—		106		18,115
Substandard	26,979		5,630		18,758		16,669		2,401		17,527		2,924		90,888
Doubtful	544		—		—		9		—		—		—		553
Total loans	$	1,195,058	$	137,153	$	351,258	$	682,169	$	228,291	$	529,494	$	295,022	$	3,418,445
Performing loans	$	1,188,771	$	137,153	$	350,065	$	681,445	$	228,187	$	514,351	$	293,705	$	3,393,677
Non-performing loans ⁽²⁾	6,287		—		1,193		724		104		15,143		1,317		24,768
Total loans	$	1,195,058	$	137,153	$	351,258	$	682,169	$	228,291	$	529,494	$	295,022	$	3,418,445


⁽¹⁾	The Pass category includes some performing loans that are part of homogenous pools which are not individually risk-rated. This includes all consumer loans, all one- to four-family residential loans and, as of December 31, 2013, in the commercial business category, $94 million of credit-scored small business loans. As loans in these pools become non-performing, they are individually risk-rated.


⁽²⁾	Non-performing loans include loans on non-accrual status and loans more than 90 days delinquent, but still accruing interest.

Schedule of the Age Analysis of the Company's Past Due Loans

The following tables provide additional detail on the age analysis of Banner’s past due loans as of December 31, 2014 and 2013 (in thousands):



	December 31, 2014
	30–59 Days Past Due		60–89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied	$	—	$	1,984	$	—	$	1,984	$	544,799	$	546,783	$	—
Investment properties	639		—		—		639		856,303		856,942		—
Multifamily real estate	—		—		—		—		167,524		167,524		—
Commercial construction	—		—		—		—		17,337		17,337		—
Multifamily construction	—		—		—		—		60,193		60,193		—
One- to four-family construction	840		—		—		840		219,049		219,889		—
Land and land development:
Residential	759		—		750		1,509		100,926		102,435		—
Commercial	—		—		—		—		11,152		11,152		—
Commercial business	775		35		100		910		723,054		723,964		—
Agricultural business, including secured by farmland	597		466		744		1,807		236,692		238,499		—
One- to four-family residential ⁽¹⁾	877		1,623		7,526		10,026		529,868		539,894		2,095
Consumer:
Consumer secured by one- to four-family	59		60		139		258		221,947		222,205		80
Consumer—other	491		88		293		872		126,131		127,003		—
Total	$	5,037	$	4,256	$	9,552	$	18,845	$	3,814,975	$	3,833,820	$	2,175



	December 31, 2013
	30–59 Days Past Due		60–89 Days Past Due		90 Days or More Past Due		Total Past Due		Current		Total Loans		Loans 90 Days or More Past Due and Accruing
Commercial real estate:
Owner-occupied	$	883	$	550	$	813	$	2,246	$	500,355	$	502,601	$	—
Investment properties	—		—		—		—		692,457		692,457		—
Multifamily real estate	1,845		785		—		2,630		134,523		137,153		—
Commercial construction	—		—		—		—		12,168		12,168		—
Multifamily construction	—		—		—		—		52,081		52,081		—
One- to four-family construction	9		7		4		20		200,844		200,864		—
Land and land development:
Residential	—		—		251		251		75,444		75,695		—
Commercial	—		—		—		—		10,450		10,450		—
Commercial business	2,001		2		299		2,302		679,867		682,169		—
Agricultural business, including secured by farmland	—		—		—		—		228,291		228,291		105
One- to four-family residential ⁽¹⁾	521		2,550		9,142		12,213		517,281		529,494		2,611
Consumer:
Consumer secured by one- to four-family	723		93		918		1,734		171,454		173,188		13
Consumer—other	384		99		131		614		121,220		121,834		131
Total	$	6,366	$	4,086	$	11,558	$	22,010	$	3,396,435	$	3,418,445	$	2,860

Schedule of the Allowance for Loan Losses and Loan Balances Individually and Collectively Evaluated for Impairment

The following tables provide additional information on the allowance for loan losses and loan balances individually and collectively evaluated for impairment at or for the year ended December 31, 2014 (in thousands):



	For the Year Ended December 31, 2014
	Commercial Real Estate			Multifamily Real Estate			Construction and Land			Commercial Business			Agricultural Business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	16,759		$	5,306		$	17,640		$	11,773		$	2,841		$	11,486		$	1,335		$	7,118		$	74,258
Provision for loan losses	1,757			(724		)	6,336			626			(417		)	(5,772		)	90			(1,896		)	—
Recoveries	1,507			—			1,776			988			1,576			618			528			—			6,993
Charge-offs	(1,239		)	(20		)	(207		)	(1,344		)	(179		)	(885		)	(1,470		)	—			(5,344		)
Ending balance	$	18,784		$	4,562		$	25,545		$	12,043		$	3,821		$	5,447		$	483		$	5,222		$	75,907

	December 31, 2014
	Commercial Real Estate			Multifamily Real Estate			Construction and Land			Commercial Business			Agricultural Business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance individually evaluated for impairment	$	728		$	86		$	986		$	82		$	—		$	1,014		$	70		$	—		$	2,966
Allowance collectively evaluated for impairment	18,056			4,476			24,559			11,961			3,821			4,433			413			5,222			72,941
Total allowance for loan losses	$	18,784		$	4,562		$	25,545		$	12,043		$	3,821		$	5,447		$	483		$	5,222		$	75,907



	December 31, 2014
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Loan balances:
Loans individually evaluated for impairment	$	7,171	$	786	$	6,477	$	739	$	744	$	17,848	$	681	$	—	$	34,446
Loans collectively evaluated for impairment	1,396,554		166,738		404,529		723,225		237,755		522,046		348,527		—		3,799,374
Total loans	$	1,403,725	$	167,524	$	411,006	$	723,964	$	238,499	$	539,894	$	349,208	$	—	$	3,833,820



	For the Year Ended December 31, 2013
	Commercial Real Estate			Multifamily Real Estate		Construction and Land			Commercial Business			Agricultural Business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	15,322		$	4,506	$	14,991		$	9,957		$	2,295		$	16,475		$	1,348		$	11,865		$	76,759
Provision for loan losses	1,639			800		2,195			1,925			97			(2,995		)	1,086			(4,747		)	—
Recoveries	2,367			—		2,275			1,673			697			145			340			—			7,497
Charge-offs	(2,569		)	—		(1,821		)	(1,782		)	(248		)	(2,139		)	(1,439		)	—			(9,998		)
Ending balance	$	16,759		$	5,306	$	17,640		$	11,773		$	2,841		$	11,486		$	1,335		$	7,118		$	74,258

	December 31, 2013
	Commercial Real Estate			Multifamily Real Estate		Construction and Land			Commercial Business			Agricultural Business			One- to Four-Family Residential			Consumer			Unallocated			Total
Allowance individually evaluated for impairment	$	419		$	1,139	$	1,762		$	222		$	—		$	1,579		$	67		$	—		$	5,188
Allowance collectively evaluated for impairment	16,340			4,167		15,878			11,551			2,841			9,907			1,268			7,118			69,070
Total allowance for loan losses	$	16,759		$	5,306	$	17,640		$	11,773		$	2,841		$	11,486		$	1,335		$	7,118		$	74,258



	December 31, 2013
	Commercial Real Estate		Multifamily Real Estate		Construction and Land		Commercial Business		Agricultural Business		One- to Four-Family Residential		Consumer		Unallocated		Total
Loan balances:
Loans individually evaluated for impairment	$	10,877	$	5,744	$	12,118	$	1,298	$	—	$	29,834	$	776	$	—	$	60,647
Loans collectively evaluated for impairment	1,184,181		131,409		339,140		680,871		228,291		499,660		294,246		—		3,357,798
Total loans	$	1,195,058	$	137,153	$	351,258	$	682,169	$	228,291	$	529,494	$	295,022	$	—	$	3,418,445