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

3 Months Ended

Sep. 30, 2013

Tables/Schedules

Schedule of Balance in 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, 2013	$6,125	$3,373	$16,419	$5,789	$5,664	$2,815	$40,185
Provision (benefit) charged to expense	(234)	(372)	1,474	1,291	(1,732)	2,250	2,677
Losses charged off	(847)	(201)	(608)	(346)	(1,303)	(2,215)	(5,520)
Recoveries	87	6	888	50	648	435	2,114
Balance September 30, 2013	$5,131	$2,806	$18,173	$6,784	$3,277	$3,285	$39,456
Balance January 1, 2013	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649
Provision charged to expense	292	1,329	6,736	3,413	137	2,666	14,573
Losses charged off	(2,088)	(2,887)	(7,138)	(675)	(2,672)	(3,884)	(19,344)
Recoveries	105	37	1,134	108	716	1,478	3,578
Balance September 30, 2013	$5,131	$2,806	$18,173	$6,784	$3,277	$3,285	$39,456
Ending balance:
Individually evaluated for
impairment	$1,650	$169	$2,416	$2,192	$1,512	$208	$8,147
Collectively evaluated for
impairment	$3,481	$2,637	$15,754	$4,592	$1,762	$3,071	$31,297
Loans acquired and
accounted for under ASC
310-30	$--	$--	$3	$--	$4	$5	$12
Loans
Individually evaluated for
impairment	$13,310	$11,367	$40,981	$15,444	$8,836	$1,189	$91,127
Collectively evaluated for
impairment	$284,897	$241,241	$757,715	$221,615	$271,038	$261,664	$2,038,170
Loans acquired and
accounted for under ASC
310-30	$235,141	$41,772	$94,417	$6,041	$6,780	$29,145	$413,296

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 2012:

	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 (benefit) 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 (benefit) 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

The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Individually evaluated for
impairment	$2,288	$1,089	$4,990	$96	$2,778	$156	$11,397
Collectively evaluated for
impairment	$4,532	$3,239	$12,443	$3,842	$2,315	$2,864	$29,235
Loans acquired and
accounted for under ASC
310-30	$1	$--	$9	$--	$4	$3	$17
Loans
Individually evaluated for
impairment	$14,691	$16,405	$48,476	$12,009	$10,064	$980	$102,625
Collectively evaluated for
impairment	$279,502	$251,113	$687,663	$201,065	$254,567	$219,670	$1,893,580
Loans acquired and
accounted for under ASC
310-30	$278,889	$53,280	$129,128	$7,997	$14,939	$39,616	$523,849