Note 7: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)

3 Months Ended

Mar. 31, 2015

Tables/Schedules

Impaired Financing Receivables

Impaired loans (excluding FDIC-supported loans, net of discount and acquired non-covered loans, net of discount), are summarized as follows:

	At or for the Three Months Ended March 31, 2015
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$853	$853	$—
Subdivision construction	4,434	4,487	280
Land development	7,387	7,395	1,414
Commercial construction	—	—	—
Owner occupied one- to four-family residential	3,841	4,093	353
Non-owner occupied one- to four-family residential	1,809	2,021	74
Commercial real estate	26,644	27,979	2,271
Other residential	9,768	9,768	—
Commercial business	2,270	2,345	686
Industrial revenue bonds	—	—	—
Consumer auto	446	501	67
Consumer other	546	693	82
Home equity lines of credit	416	440	72
Total	$58,414	$60,575	$5,299

	At or for the Three Months Ended March 31, 2014
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$—	$—	$—
Subdivision construction	2,420	2,733	469
Land development	12,616	13,033	2,791
Commercial construction	—	—	—
Owner occupied one- to four-family residential	5,366	5,489	727
Non-owner occupied one- to four-family residential	3,716	3,845	198
Commercial real estate	29,664	32,010	1,503
Other residential	10,942	10,942	—
Commercial business	2,073	3,580	174
Industrial revenue bonds	2,698	2,805	—
Consumer auto	120	144	18
Consumer other	647	694	97
Home equity lines of credit	455	591	78
Total	$70,717	$75,866	$6,055

	At or for the Three Months Ended March 31, 2014
	Average
	Investment in	Interest
	Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$—	$—
Subdivision construction	3,130	22
Land development	12,620	101
Commercial construction	—	—
Owner occupied one- to four-family residential	5,534	52
Non-owner occupied one- to four-family residential	3,721	41
Commercial real estate	31,123	330
Other residential	10,957	90
Commercial business	3,961	21
Industrial revenue bonds	2,698	—
Consumer auto	172	2
Consumer other	677	18
Home equity lines of credit	528	14
Total	$75,121	$691

	At or for the Year Ended December 31, 2014
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
One- to four-family residential construction	$1,312	$1,312	$—
Subdivision construction	4,540	4,540	344
Land development	7,601	8,044	1,507
Commercial construction	—	—	—
Owner occupied one- to four-family
residential	3,747	4,094	407
Non-owner occupied one- to four-family residential	1,889	2,113	78
Commercial real estate	28,641	30,781	1,751
Other residential	9,804	9,804	—
Commercial business	2,725	2,750	823
Industrial revenue bonds	—	—	—
Consumer auto	420	507	63
Consumer other	629	765	94
Home equity lines of credit	431	476	75
Total	$61,739	$65,186	$5,142

	At or for the Three Months Ended March 31, 2015
	Average
	Investment in	Interest
	Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$971	$16
Subdivision construction	4,482	51
Land development	7,510	67
Commercial construction	—	—
Owner occupied one- to four-family residential	3,984	61
Non-owner occupied one- to four-family residential	1,785	11
Commercial real estate	26,636	201
Other residential	9,780	111
Commercial business	2,469	113
Industrial revenue bonds	—	—
Consumer auto	425	10
Consumer other	582	11
Home equity lines of credit	406	9
Total	$59,030	$661

	At or for the Year Ended December 31, 2014
	Average
	Investment	Interest
	in Impaired	Income
	Loans	Recognized
One- to four-family residential construction	$173	$76
Subdivision construction	2,593	226
Land development	9,691	292
Commercial construction	—	—
Owner occupied one- to four-family
residential	4,808	212
Non-owner occupied one- to four-family residential	4,010	94
Commercial real estate	29,808	1,253
Other residential	10,469	407
Commercial business	2,579	158
Industrial revenue bonds	2,644	—
Consumer auto	219	37
Consumer other	676	71
Home equity lines of credit	461	25
Total	$68,131	$2,851