LOANS RECEIVABLE (Tables)
|
3 Months Ended |
Sep. 30, 2012
|
Schedule of Summary of the Balances of Loans |
Loans receivable consist of the following:
|
|
September
30,
|
|
|
June
30,
|
|
|
|
2012
|
|
|
2012
|
|
|
|
(Unaudited)
|
|
|
(Audited)
|
|
|
|
(In
thousands)
|
|
First
mortgage loans:
|
|
|
|
|
|
|
Residential
mortgage (1-4 family)
|
|
$ |
56,600 |
|
|
$ |
61,671 |
|
Commercial
real estate
|
|
|
65,110 |
|
|
|
64,672 |
|
Real
estate construction
|
|
|
1,363 |
|
|
|
1,455 |
|
|
|
|
|
|
|
|
|
|
Other
loans:
|
|
|
|
|
|
|
|
|
Home
equity
|
|
|
23,316 |
|
|
|
23,709 |
|
Consumer
|
|
|
8,328 |
|
|
|
8,778 |
|
Commercial
|
|
|
14,408 |
|
|
|
15,343 |
|
|
|
|
|
|
|
|
|
|
Total
|
|
|
169,125 |
|
|
|
175,628 |
|
|
|
|
|
|
|
|
|
|
Less: Allowance
for loan losses
|
|
|
(1,800 |
) |
|
|
(1,625 |
) |
Add: Deferred
loan expenses
|
|
|
(139 |
) |
|
|
(164 |
) |
|
|
|
|
|
|
|
|
|
Total
|
|
$ |
167,186 |
|
|
$ |
173,839 |
|
|
Schedule of Summary of Changes in the Allowance for Loan Losses |
The following is a summary of changes in the allowance for loan
losses:
|
|
Three
Months
|
|
|
Three
Months
|
|
|
Twelve
Months
|
|
|
|
Ended
|
|
|
Ended
|
|
|
Ended
|
|
|
|
September
30,
|
|
|
September
30,
|
|
|
June
30,
|
|
|
|
2012
|
|
|
2011
|
|
|
2012
|
|
|
|
(Unaudited)
|
|
|
(Unaudited)
|
|
|
(Audited)
|
|
|
|
(In
thousands)
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance,
beginning of period
|
|
$ |
1,625 |
|
|
$ |
1,800 |
|
|
$ |
1,800 |
|
Provision
charged to operations
|
|
|
235 |
|
|
|
258 |
|
|
|
1,101 |
|
Charge-offs
|
|
|
(64 |
) |
|
|
(510 |
) |
|
|
(1,296 |
) |
Recoveries
|
|
|
4 |
|
|
|
2 |
|
|
|
20 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance,
end of period
|
|
$ |
1,800 |
|
|
$ |
1,550 |
|
|
$ |
1,625 |
|
|
Schedule of Information Regarding Non-Performing Assets |
Non-Performing Assets – The following table sets forth
information regarding non-performing assets as of the dates
indicated.
|
|
September
30,
|
|
|
June
30,
|
|
|
|
2012
|
|
|
2012
|
|
|
|
(Unaudited)
|
|
|
(Audited)
|
|
|
|
(Dollars
in Thousands)
|
|
|
|
|
|
|
|
|
Non-accrual
loans
|
|
$ |
1,491 |
|
|
$ |
1,814 |
|
Accruing
loans delinquent 90 days or more
|
|
|
- |
|
|
|
- |
|
Restructured
loans, net
|
|
|
803 |
|
|
|
1,404 |
|
Total
nonperforming loans
|
|
|
2,294 |
|
|
|
3,218 |
|
Real
estate owned and other repossessed assets, net
|
|
|
1,937 |
|
|
|
2,361 |
|
Total
|
|
$ |
4,231 |
|
|
$ |
5,579 |
|
|
|
|
|
|
|
|
|
|
Total
non-performing assets as a percentage of total assets
|
|
|
1.32 |
% |
|
|
1.70 |
% |
|
|
|
|
|
|
|
|
|
Allowance
for loan losses
|
|
$ |
1,800 |
|
|
$ |
1,625 |
|
|
|
|
|
|
|
|
|
|
Percent
of allowance for loan losses to non-performing loans
|
|
|
78.5 |
% |
|
|
50.5 |
% |
|
|
|
|
|
|
|
|
|
Percent
of allowance for loan losses to non-performing assets
|
|
|
42.5 |
% |
|
|
29.1 |
% |
|
Schedule of Information Regarding Loans and Non-Performing Assets by Geographical Location |
The following table sets forth information regarding loans and
non-performing assets by geographical location as of the dates
indicated (dollars in thousands).
|
September
30, 2012
|
|
|
|
Helena
|
|
|
Bozeman
|
|
|
Butte
|
|
|
Townsend
|
|
|
Total
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non-accrual
loans
|
|
$ |
1,392 |
|
|
$ |
77 |
|
|
$ |
22 |
|
|
$ |
- |
|
|
$ |
1,491 |
|
Accruing
loans delinquent 90 days or more
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Restructured
loans
|
|
|
|
|
|
|
803 |
|
|
|
|
|
|
|
|
|
|
|
803 |
|
Real
estate owned and other repossessed assets, net
|
|
|
699 |
|
|
|
1,176 |
|
|
|
|
|
|
|
62 |
|
|
|
1,937 |
|
|
|
$ |
2,091 |
|
|
$ |
2,056 |
|
|
$ |
22 |
|
|
$ |
62 |
|
|
$ |
4,231 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
loans, net
|
|
$ |
88,609 |
|
|
$ |
33,772 |
|
|
$ |
43,636 |
|
|
$ |
1,169 |
|
|
$ |
167,186 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Percent
of non-performing assets to loans
|
|
|
2.4 |
% |
|
|
6.1 |
% |
|
|
0.1 |
% |
|
|
5.3 |
% |
|
|
2.5 |
% |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June
30, 2012
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Non-accrual
loans
|
|
$ |
1,735 |
|
|
$ |
56 |
|
|
$ |
22 |
|
|
$ |
1 |
|
|
$ |
1,814 |
|
Accruing
loans delinquent 90 days or more
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Restructured
loans, net
|
|
|
90 |
|
|
|
1,314 |
|
|
|
- |
|
|
|
- |
|
|
|
1,404 |
|
Real
estate owned and other repossessed assets, net
|
|
|
689 |
|
|
|
1,610 |
|
|
|
- |
|
|
|
62 |
|
|
|
2,361 |
|
|
|
$ |
2,514 |
|
|
$ |
2,980 |
|
|
$ |
22 |
|
|
$ |
63 |
|
|
$ |
5,579 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total
loans, net
|
|
$ |
90,744 |
|
|
$ |
34,942 |
|
|
$ |
42,417 |
|
|
$ |
5,736 |
|
|
$ |
173,839 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Percent
of non-performing assets to loans
|
|
|
2.8 |
% |
|
|
8.5 |
% |
|
|
0.1 |
% |
|
|
1.1 |
% |
|
|
3.2 |
% |
|
Schedule of Information Regarding the Activity in the Allowance for Loan Losses |
The following tables set forth information regarding the activity
in the allowance for loan losses for the dates as indicated
(dollars in thousands):
|
|
Three
Months Ended
|
|
|
|
September
30, 2012
|
|
|
|
1-4
Family
|
|
|
Commercial
|
|
|
Home
|
|
|
|
|
|
|
|
|
|
|
|
|
Real
Estate
|
|
|
Real
Estate
|
|
|
Construction
|
|
|
Equity
|
|
|
Consumer
|
|
|
Commercial
|
|
|
Total
|
|
Allowance for credit losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning
balance, June 30, 2012
|
|
$ |
403 |
|
|
$ |
772 |
|
|
$ |
10 |
|
|
$ |
156 |
|
|
$ |
78 |
|
|
$ |
206 |
|
|
$ |
1,625 |
|
Charge-offs
|
|
|
(55 |
) |
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
(8 |
) |
|
|
(1 |
) |
|
|
(64 |
) |
Recoveries
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
4 |
|
|
|
- |
|
|
|
4 |
|
Provision
|
|
|
40 |
|
|
|
90 |
|
|
|
1 |
|
|
|
61 |
|
|
|
10 |
|
|
|
33 |
|
|
|
235 |
|
Ending
balance, September 30, 2012
|
|
$ |
388 |
|
|
$ |
862 |
|
|
$ |
11 |
|
|
$ |
217 |
|
|
$ |
84 |
|
|
$ |
238 |
|
|
$ |
1,800 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance allocated to loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
individually
evaluated for impairment
|
|
$ |
- |
|
|
$ |
9 |
|
|
$ |
- |
|
|
$ |
147 |
|
|
$ |
1 |
|
|
$ |
15 |
|
|
$ |
172 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance allocated to loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
collectively
evaluated for impairment
|
|
$ |
388 |
|
|
$ |
853 |
|
|
$ |
11 |
|
|
$ |
70 |
|
|
$ |
83 |
|
|
$ |
223 |
|
|
$ |
1,628 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans receivable:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance September 30, 2012
|
|
$ |
56,600 |
|
|
$ |
65,110 |
|
|
$ |
1,363 |
|
|
$ |
23,316 |
|
|
$ |
8,328 |
|
|
$ |
14,408 |
|
|
$ |
169,125 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance of loans individually
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
evaluated
for impairment
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
September
30, 2012
|
|
$ |
728 |
|
|
$ |
782 |
|
|
$ |
- |
|
|
$ |
446 |
|
|
$ |
74 |
|
|
$ |
997 |
|
|
$ |
3,027 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance of loans collectively
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
evaluated
for impairment
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
September
30, 2012
|
|
$ |
55,872 |
|
|
$ |
64,328 |
|
|
$ |
1,363 |
|
|
$ |
22,870 |
|
|
$ |
8,254 |
|
|
$ |
13,411 |
|
|
$ |
166,098 |
|
|
|
Three
Months Ended
|
|
|
|
September
30, 2011
|
|
|
|
1-4
Family
|
|
|
Commercial
|
|
|
Home
|
|
|
|
|
|
|
|
|
|
|
|
|
Real
Estate
|
|
|
Real
Estate
|
|
|
Construction
|
|
|
Equity
|
|
|
Consumer
|
|
|
Commercial
|
|
|
Total
|
|
Allowance for credit losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning
balance, June 30, 2011
|
|
$ |
369 |
|
|
$ |
652 |
|
|
$ |
18 |
|
|
$ |
481 |
|
|
$ |
57 |
|
|
$ |
223 |
|
|
$ |
1,800 |
|
Charge-offs
|
|
|
(125 |
) |
|
|
(36 |
) |
|
|
- |
|
|
|
(335 |
) |
|
|
(14 |
) |
|
|
- |
|
|
|
(510 |
) |
Recoveries
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
2 |
|
|
|
- |
|
|
|
2 |
|
Provision
|
|
|
72 |
|
|
|
110 |
|
|
|
5 |
|
|
|
29 |
|
|
|
13 |
|
|
|
29 |
|
|
|
258 |
|
Ending
balance, September 30, 2011
|
|
$ |
316 |
|
|
$ |
726 |
|
|
$ |
23 |
|
|
$ |
175 |
|
|
$ |
58 |
|
|
$ |
252 |
|
|
$ |
1,550 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance allocated to loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
individually
evaluated for impairment
|
|
$ |
- |
|
|
$ |
224 |
|
|
$ |
- |
|
|
$ |
44 |
|
|
$ |
1 |
|
|
$ |
182 |
|
|
$ |
451 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance allocated to loans
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
collectively
evaluated for impairment
|
|
$ |
316 |
|
|
$ |
502 |
|
|
$ |
23 |
|
|
$ |
131 |
|
|
$ |
57 |
|
|
$ |
70 |
|
|
$ |
1,099 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans receivable:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance September 30, 2011
|
|
$ |
68,680 |
|
|
$ |
65,893 |
|
|
$ |
4,277 |
|
|
$ |
27,694 |
|
|
$ |
9,057 |
|
|
$ |
12,343 |
|
|
$ |
187,944 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance of loans individually
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
evaluated
for impairment
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
September
30, 2011
|
|
$ |
1,261 |
|
|
$ |
965 |
|
|
$ |
721 |
|
|
$ |
274 |
|
|
$ |
128 |
|
|
$ |
2,029 |
|
|
$ |
5,378 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending
balance of loans collectively
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
evaluated
for impairment
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
September
30, 2011
|
|
$ |
67,419 |
|
|
$ |
64,928 |
|
|
$ |
3,556 |
|
|
$ |
27,420 |
|
|
$ |
8,929 |
|
|
$ |
10,314 |
|
|
$ |
182,566 |
|
|
Schedule of Information Regarding the Internal Classification of the Loan Portfolio |
The following tables set forth information regarding the internal
classification of the loan portfolio as of the dates indicated
(dollars in thousands):
|
|
September
30, 2012
|
|
|
|
1-4
Family
|
|
|
Commercial
|
|
|
Home
|
|
|
|
|
|
|
|
|
|
|
|
|
Real
Estate
|
|
|
Real
Estate
|
|
|
Construction
|
|
|
Equity
|
|
|
Consumer
|
|
|
Commercial
|
|
|
Total
|
|
Grade:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$ |
55,872 |
|
|
$ |
64,328 |
|
|
$ |
1,363 |
|
|
$ |
22,870 |
|
|
$ |
8,254 |
|
|
$ |
13,411 |
|
|
$ |
166,098 |
|
Special
mention
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
146 |
|
|
|
146 |
|
Substandard
|
|
|
728 |
|
|
|
773 |
|
|
|
- |
|
|
|
257 |
|
|
|
73 |
|
|
|
836 |
|
|
|
2,667 |
|
Doubtful
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
42 |
|
|
|
- |
|
|
|
- |
|
|
|
42 |
|
Loss
|
|
|
- |
|
|
|
9 |
|
|
|
- |
|
|
|
147 |
|
|
|
1 |
|
|
|
15 |
|
|
|
172 |
|
Total
|
|
$ |
56,600 |
|
|
$ |
65,110 |
|
|
$ |
1,363 |
|
|
$ |
23,316 |
|
|
$ |
8,328 |
|
|
$ |
14,408 |
|
|
$ |
169,125 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Credit
Risk Profile Based on Payment Activity
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$ |
56,183 |
|
|
$ |
64,218 |
|
|
$ |
1,363 |
|
|
$ |
23,073 |
|
|
$ |
8,316 |
|
|
$ |
13,678 |
|
|
$ |
166,831 |
|
Restructured
loans
|
|
|
- |
|
|
|
88 |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
715 |
|
|
|
803 |
|
Nonperforming
|
|
|
417 |
|
|
|
804 |
|
|
|
- |
|
|
|
243 |
|
|
|
12 |
|
|
|
15 |
|
|
|
1,491 |
|
Total
|
|
$ |
56,600 |
|
|
$ |
65,110 |
|
|
$ |
1,363 |
|
|
$ |
23,316 |
|
|
$ |
8,328 |
|
|
$ |
14,408 |
|
|
$ |
169,125 |
|
|
|
June
30, 2012
|
|
|
|
1-4
Family
|
|
Commercial
|
|
|
Home
|
|
|
|
|
|
|
|
|
|
|
|
|
Real
Estate
|
|
|
Real
Estate
|
|
Construction
|
|
|
Equity
|
|
|
Consumer
|
|
|
Commercial
|
|
|
Total
|
|
Grade:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass
|
|
$ |
60,748 |
|
|
$ |
63,839 |
|
|
$ |
1,455 |
|
|
$ |
23,319 |
|
|
$ |
8,685 |
|
|
$ |
13,846 |
|
|
$ |
171,892 |
|
Special
mention
|
|
|
- |
|
|
|
51 |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
5 |
|
|
|
56 |
|
Substandard
|
|
|
923 |
|
|
|
782 |
|
|
|
- |
|
|
|
242 |
|
|
|
76 |
|
|
|
1,492 |
|
|
|
3,515 |
|
Doubtful
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
148 |
|
|
|
15 |
|
|
|
- |
|
|
|
163 |
|
Loss
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
2 |
|
|
|
- |
|
|
|
2 |
|
Total
|
|
$ |
61,671 |
|
|
$ |
64,672 |
|
|
$ |
1,455 |
|
|
$ |
23,709 |
|
|
$ |
8,778 |
|
|
$ |
15,343 |
|
|
$ |
175,628 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Credit
Risk Profile Based on Payment Activity
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$ |
61,011 |
|
|
$ |
63,749 |
|
|
$ |
1,455 |
|
|
$ |
23,444 |
|
|
$ |
8,742 |
|
|
$ |
14,009 |
|
|
$ |
172,410 |
|
Restructured
loans
|
|
|
- |
|
|
|
90 |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
1,314 |
|
|
|
1,404 |
|
Nonperforming
|
|
|
660 |
|
|
|
833 |
|
|
|
- |
|
|
|
265 |
|
|
|
36 |
|
|
|
20 |
|
|
|
1,814 |
|
Total
|
|
$ |
61,671 |
|
|
$ |
64,672 |
|
|
$ |
1,455 |
|
|
$ |
23,709 |
|
|
$ |
8,778 |
|
|
$ |
15,343 |
|
|
$ |
175,628 |
|
|
Schedule of Delinquencies Within the Loan Portfolio |
The following tables set forth information regarding the
delinquencies within the loan portfolio as indicated (dollars in
thousands):
|
|
September
30, 2012
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded
|
|
|
|
|
|
|
90
Days
|
|
|
|
|
|
|
|
|
|
|
|
Investment
|
|
|
|
30-89
Days
|
|
|
and
|
|
|
Total
|
|
|
|
|
|
Total
|
|
|
>90
Days and
|
|
|
|
Past
Due
|
|
|
Greater
|
|
|
Past
Due
|
|
|
Current
|
|
|
Loans
|
|
|
Still
Accruing
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family real estate
|
|
$ |
324 |
|
|
$ |
418 |
|
|
$ |
742 |
|
|
$ |
55,858 |
|
|
$ |
56,600 |
|
|
$ |
- |
|
Commercial
real estate
|
|
|
96 |
|
|
|
803 |
|
|
|
899 |
|
|
|
64,211 |
|
|
|
65,110 |
|
|
|
- |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
1,363 |
|
|
|
1,363 |
|
|
|
- |
|
Home
equity
|
|
|
59 |
|
|
|
86 |
|
|
|
145 |
|
|
|
23,171 |
|
|
|
23,316 |
|
|
|
- |
|
Consumer
|
|
|
111 |
|
|
|
12 |
|
|
|
123 |
|
|
|
8,205 |
|
|
|
8,328 |
|
|
|
- |
|
Commercial
|
|
|
100 |
|
|
|
- |
|
|
|
100 |
|
|
|
14,308 |
|
|
|
14,408 |
|
|
|
- |
|
Total
|
|
$ |
690 |
|
|
$ |
1,319 |
|
|
$ |
2,009 |
|
|
$ |
167,116 |
|
|
$ |
169,125 |
|
|
$ |
- |
|
|
|
June
30, 2012
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded
|
|
|
|
|
|
|
90
Days
|
|
|
|
|
|
|
|
|
|
|
|
Investment
|
|
|
|
30-89
Days
|
|
|
and
|
|
|
Total
|
|
|
|
|
|
Total
|
|
|
>90
Days and
|
|
|
|
Past
Due
|
|
|
Greater
|
|
|
Past
Due
|
|
|
Current
|
|
|
Loans
|
|
|
Still
Accruing
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family real estate
|
|
$ |
613 |
|
|
$ |
501 |
|
|
$ |
1,114 |
|
|
$ |
60,557 |
|
|
$ |
61,671 |
|
|
$ |
- |
|
Commercial
real estate
|
|
|
- |
|
|
|
91 |
|
|
|
91 |
|
|
|
64,581 |
|
|
|
64,672 |
|
|
|
- |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
1,455 |
|
|
|
1,455 |
|
|
|
- |
|
Home
equity
|
|
|
362 |
|
|
|
227 |
|
|
|
589 |
|
|
|
23,120 |
|
|
|
23,709 |
|
|
|
- |
|
Consumer
|
|
|
221 |
|
|
|
37 |
|
|
|
258 |
|
|
|
8,520 |
|
|
|
8,778 |
|
|
|
- |
|
Commerical
|
|
|
171 |
|
|
|
747 |
|
|
|
918 |
|
|
|
14,425 |
|
|
|
15,343 |
|
|
|
- |
|
Total
|
|
$ |
1,367 |
|
|
$ |
1,603 |
|
|
$ |
2,970 |
|
|
$ |
172,658 |
|
|
$ |
175,628 |
|
|
$ |
- |
|
|
Schedule of Information Regarding Impaired Loans |
The following tables set forth information regarding impaired loans
as indicated (dollars in thousands):
|
|
September
30, 2012
|
|
|
|
|
|
|
Unpaid
|
|
|
|
|
|
Interest
|
|
|
Average
|
|
|
|
Recorded
|
|
|
Principal
|
|
|
Related
|
|
|
Income
|
|
|
Recorded
|
|
|
|
Investment
|
|
|
Balance
|
|
|
Allowance
|
|
|
Recognized
|
|
|
Investment
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With
no related allowance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family
|
|
$ |
- |
|
|
$ |
- |
|
|
$ |
- |
|
|
$ |
- |
|
|
$ |
- |
|
Commercial
real estate
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Home
equity
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Consumer
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Commercial
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With
a related allowance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Commercial
real estate
|
|
|
41 |
|
|
|
62 |
|
|
|
9 |
|
|
|
- |
|
|
|
21 |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Home
equity
|
|
|
147 |
|
|
|
147 |
|
|
|
147 |
|
|
|
- |
|
|
|
74 |
|
Consumer
|
|
|
1 |
|
|
|
1 |
|
|
|
1 |
|
|
|
- |
|
|
|
2 |
|
Commercial
|
|
|
15 |
|
|
|
15 |
|
|
|
15 |
|
|
|
- |
|
|
|
8 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Commercial
real estate
|
|
|
41 |
|
|
|
62 |
|
|
|
9 |
|
|
|
- |
|
|
|
21 |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Home
equity
|
|
|
147 |
|
|
|
147 |
|
|
|
147 |
|
|
|
- |
|
|
|
74 |
|
Consumer
|
|
|
1 |
|
|
|
1 |
|
|
|
1 |
|
|
|
- |
|
|
|
2 |
|
Commercial
|
|
|
15 |
|
|
|
15 |
|
|
|
15 |
|
|
|
- |
|
|
|
8 |
|
Total
|
|
$ |
204 |
|
|
$ |
225 |
|
|
$ |
172 |
|
|
$ |
- |
|
|
$ |
105 |
|
|
|
June
30, 2012
|
|
|
|
|
|
|
Unpaid
|
|
|
|
|
|
Interest
|
|
|
Average
|
|
|
|
Recorded
|
|
|
Principal
|
|
|
Related
|
|
|
Income
|
|
|
Recorded
|
|
|
|
Investment
|
|
|
Balance
|
|
|
Allowance
|
|
|
Recognized
|
|
|
Investment
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With
no related allowance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family
|
|
$ |
- |
|
|
$ |
- |
|
|
$ |
- |
|
|
$ |
- |
|
|
$ |
- |
|
Commercial
real estate
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Home
equity
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Consumer
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Commerical
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
With
a related allowance:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Commercial
real estate
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Home
equity
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Consumer
|
|
|
2 |
|
|
|
2 |
|
|
|
2 |
|
|
|
- |
|
|
|
2 |
|
Commerical
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
1-4
Family
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Commercial
real estate
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Construction
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Home
equity
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Consumer
|
|
|
2 |
|
|
|
2 |
|
|
|
2 |
|
|
|
- |
|
|
|
2 |
|
Commerical
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
|
|
- |
|
Total
|
|
$ |
2 |
|
|
$ |
2 |
|
|
$ |
2 |
|
|
$ |
- |
|
|
$ |
2 |
|
|