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, 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 and nine months ended September 30, 2014. Also presented is the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of September 30, 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 June 30, 2014	$5,073	$1,723	$16,476	$8,249	$2,582	$3,979	$38,082
Provision (benefit) charged to expense	(1,647)	545	2,838	(2,499)	632	1,076	945
Losses charged off	(106)	--	(520)	(1)	(50)	(1,107)	(1,784)
Recoveries	120	14	170	24	--	510	838
Balance September 30, 2014	$3,440	$2,282	$18,964	$5,773	$3,164	$4,458	$38,081

Balance January 1, 2014	$6,235	$2,678	$16,939	$4,464	$6,451	$3,349	$40,116
Provision (benefit) charged to expense	(1,280)	(423)	2,704	1,263	(619)	2,454	4,099
Losses charged off	(1,803)	(2)	(1,239)	(131)	(2,737)	(2,891)	(8,803)
Recoveries	288	29	560	177	69	1,546	2,669
Balance September 30, 2014	$3,440	$2,282	$18,964	$5,773	$3,164	$4,458	$38,081

Ending balance:
Individually evaluated for
impairment	$1,340	$--	$1,736	$1,514	$596	$198	$5,384
Collectively evaluated for
impairment	$2,100	$2,274	$16,800	$4,241	$2,559	$4,221	$32,195
Loans acquired and
accounted for under ASC
310-30	$--	$8	$428	$18	$9	$39	$502


Loans
Individually evaluated for
impairment	$11,284	$10,203	$28,899	$7,791	$5,126	$1,256	$64,559
Collectively evaluated for
impairment	$289,844	$343,022	$843,395	$402,761	$387,202	$412,822	$2,679,046
Loans acquired and
accounted for under ASC
310-30	$248,701	$54,594	$106,877	$20,084	$18,251	$49,459	$497,966

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

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