Note 7: Loans and Allowance For Loan Losses: Schedule of Balance in the Allowance for Loan Losses Based on Portfolio Segment and Impairment (Tables)

3 Months Ended

Sep. 30, 2012

Tables/Schedules

Schedule of Balance in the Allowance for Loan Losses Based on Portfolio Segment and Impairment

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance July 1, 2012	$7,899	$4,012	$15,592	$6,929	$3,341	$2,949	$40,722
Provision charged to expense	(724)	348	2,950	4,227	1,512	87	8,400
Losses charged off	(245)	(310)	(1,579)	(6,870)	(648)	(699)	(10,351)
Recoveries	65	22	448	471	110	420	1,536
Balance September 30, 2012	$6,995	$4,072	$17,411	$4,757	$4,315	$2,757	$40,307
Balance January 1, 2012	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232
Provision charged to expense	(1,830)	4,206	12,265	17,525	2,758	1,153	36,077
Losses charged off	(2,740)	(3,562)	(13,784)	(16,462)	(1,701)	(1,661)	(39,910)
Recoveries	141	340	540	712	284	891	2,908
Balance September 30, 2012	$6,995	$4,072	$17,411	$4,757	$4,315	$2,757	$40,307
Ending balance:
Individually evaluated for
impairment	$1,700	$711	$3,299	$755	$1,541	$178	$8,184
Collectively evaluated for
impairment	$5,284	$3,361	$13,993	$4,002	$2,758	$2,579	$31,977
Loans acquired and
accounted for under ASC
310-30	$11	$--	$118	$--	$16	$1	$146
Loans
Individually evaluated for
impairment	$18,051	$18,517	$49,052	$11,922	$6,208	$1,118	$104,868
Collectively evaluated for
impairment	$283,024	$253,754	$646,108	$176,653	$249,233	$209,659	$1,818,431
Loans acquired and
accounted for under ASC
310-30	$285,454	$58,272	$154,512	$1,969	$18,826	$45,730	$564,763
Balance July 1, 2011	$11,562	$3,629	$15,003	$5,155	$2,324	$2,814	$40,487
Provision charged to expense	(784)	533	7,709	(3)	1,050	(5)	8,500
Losses charged off	(836)	(23)	(5,104)	(2,107)	(506)	(966)	(9,542)
Recoveries	7	1	17	395	153	448	1,021
Balance September 30, 2011	$9,949	$4,140	$17,625	$3,440	$3,021	$2,291	$40,466
Balance January 1, 2011	$11,483	$3,866	$14,336	$5,852	$3,281	$2,669	$41,487
Provision charged to expense	2,892	3,183	13,595	3,475	1,058	928	25,131
Losses charged off	(4,462)	(2,911)	(10,374)	(6,291)	(2,222)	(2,773)	(29,033)
Recoveries	36	2	68	404	904	1,467	2,881
Balance September 30, 2011	$9,949	$4,140	$17,625	$3,440	$3,021	$2,291	$40,466
At December 31, 2011
Allowance for loan losses
Individually evaluated for
impairment	$4,989	$89	$3,584	$594	$736	$38	$10,030
Collectively evaluated for
impairment	$6,435	$2,999	$14,806	$2,358	$2,238	$2,336	$31,172
Loans acquired and
accounted for under ASC
310-30	$--	$--	$--	$30	$--	$--	$30
Loans
Individually evaluated for
impairment	$39,519	$20,802	$99,254	$27,592	$10,720	$839	$198,726
Collectively evaluated for
impairment	$283,371	$222,940	$600,353	$160,768	$225,665	$183,183	$1,676,280
Loans acquired and
accounted for under ASC
310-30	$109,909	$25,877	$157,805	$40,215	$28,784	$33,947	$396,537