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

Mar. 31, 2014

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

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2014. Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of March 31, 2014:

	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 January 1, 2014	$6,235	$2,678	$16,939	$4,464	$6,451	$3,349	$40,116
Provision (benefit) charged to expense	(548)	(687)	1,641	2,582	(2,307)	1,010	1,691
Losses charged off	(1,192)	--	(381)	(35)	(1,949)	(1,020)	(4,577)
Recoveries	143	7	244	60	146	445	1,045
Balance March 31, 2014	$4,638	$1,998	$18,443	$7,071	$2,341	$3,784	$38,275


Ending balance:
Individually evaluated for
impairment	$1,394	$--	$1,503	$2,791	$174	$193	$6,055
Collectively evaluated for
impairment	$3,244	$1,998	$16,940	$4,280	$2,166	$3,591	$32,219
Loans acquired and
accounted for under ASC
310-30	$--	$--	$--	$--	$1	$--	$1

Loans
Individually evaluated for
impairment	$11,501	$10,942	$29,665	$12,616	$4,771	$1,222	$70,717
Collectively evaluated for
impairment	$288,993	$299,022	$839,385	$272,305	$314,577	$299,442	$2,313,724
Loans acquired and
accounted for under ASC
310-30	$206,236	$35,270	$81,610	$2,266	$4,025	$45,823	$375,230

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2013:

	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 January 1, 2013	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649
Provision (benefit) charged to expense	(337)	2,031	3,590	1,240	1,735	(34)	8,225
Losses charged off	(919)	(1,895)	(4,343)	(53)	(1,018)	(917)	(9,145)
Recoveries	9	19	124	5	25	637	819
Balance March 31, 2013	$5,575	$4,482	$16,812	$5,130	$5,838	$2,711	$40,548

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, 2013:

	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	$2,501	$--	$90	$473	$4,162	$218	$7,444
Collectively evaluated for
impairment	$3,734	$2,678	$16,845	$3,991	$2,287	$3,131	$32,666
Loans acquired and
accounted for under ASC
310-30	$--	$--	$4	$--	$2	$--	$6

Loans
Individually evaluated for
impairment	$13,055	$10,983	$31,591	$12,628	$8,755	$1,389	$78,401
Collectively evaluated for
impairment	$297,057	$314,616	$791,329	$229,232	$306,514	$273,871	$2,212,619
Loans acquired and
accounted for under ASC
310-30	$206,964	$35,095	$84,591	$6,989	$4,883	$47,642	$386,164