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Note 3: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment (Tables)
 12 Months Ended
Dec. 31, 2014
Tables/Schedules  
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 year ended December 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 December 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 charged to expense

(1,025)

227

1,855

(957)

409

3,642

4,151

Losses charged off

(2,251)

(1)

(2,160)

(126)

(3,286)

(4,005)

(11,829)

Recoveries

496

37

3,139

181

105

2,039

5,997

 

 

 

 

 

 

 

 

Balance,

 

 

 

 

 

 

 

December 31, 2014

$3,455

$2,941

$19,773

$3,562

$3,679

$5,025

$38,435

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

Individually evaluated

 

 

 

 

 

 

 

for impairment

$829

$--

$1,751

$1,507

$823

$232

$5,142

Collectively evaluated

 

 

 

 

 

 

 

for impairment

$2,532

$2,923

$16,671

$1,905

$2,805

$4,321

$31,157

Loans acquired and

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

ASC 310-30

$94

$18

$1,351

$150

$51

$472

$2,136

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

Individually evaluated

 

 

 

 

 

 

 

for impairment

$11,488

$9,804

$28,641

$7,601

$2,725

$1,480

$61,739

Collectively evaluated

 

 

 

 

 

 

 

for impairment

$288,066

$382,610

$917,235

$437,424

$392,348

$466,174

$2,883,857

Loans acquired and

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

ASC 310-30

$234,158

$48,470

$107,278

$1,937

$17,789

$48,903

$458,535

 

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2013.  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 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

 

 

 

 

 

 

 

Balance, January 1, 2013

$6,822

$4,327

$17,441

$3,938

$5,096

$3,025

$40,649

Provision charged to expense

1,496

1,556

6,922

1,142

4,404

1,866

17,386

Losses charged off

(2,196)

(3,248)

(9,836)

(788)

(4,072)

(3,312)

(23,452)

Recoveries

113

43

2,412

172

1,023

1,770

5,533

 

 

 

 

 

 

 

 

Balance,

 

 

 

 

 

 

 

December 31, 2013

$6,235

$2,678

$16,939

$4,464

$6,451

$3,349

$40,116

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

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

 

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2012.  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 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

 

 

 

 

 

 

 

Balance, January 1, 2012

$11,424

$3,088

$18,390

$2,982

$2,974

$2,374

$41,232

Provision charged to expense

(1,626)

4,471

16,360

18,101

4,897

1,660

43,863

Losses charged off

(3,203)

(3,579)

(18,010)

(18,027)

(3,082)

(2,390)

(48,291)

Recoveries

227

347

701

882

307

1,381

3,845

 

 

 

 

 

 

 

 

Balance,

 

 

 

 

 

 

 

December 31, 2012

$6,822

$4,327

$17,441

$3,938

$5,096

$3,025

$40,649

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

Individually evaluated

 

 

 

 

 

 

 

for impairment

$2,288

$1,089

$4,990

$96

$2,778

$156

$11,397

Collectively evaluated

 

 

 

 

 

 

 

for impairment

$4,533

$3,238

$12,442

$3,842

$2,314

$2,866

$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