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

6 Months Ended

Jun. 30, 2015

Tables/Schedules

Impaired Financing Receivables

	June 30, 2015
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$467	$467	$—
Subdivision construction	4,361	4,418	223
Land development	7,334	7,337	1,411
Commercial construction	—	—	—
Owner occupied one- to four-family residential	3,555	3,819	370
Non-owner occupied one- to four-family residential	1,609	1,826	70
Commercial real estate	25,891	27,250	2,130
Other residential	9,729	9,729	—
Commercial business	1,567	1,591	261
Industrial revenue bonds	—	—	—
Consumer auto	561	604	84
Consumer other	604	756	91
Home equity lines of credit	393	492	68
Total	$56,071	$58,289	$4,708

	Three Months Ended		Six Months Ended
	June 30, 2015		June 30, 2015
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$660	$12	$815	$28
Subdivision construction	4,421	53	4,452	106
Land development	7,339	66	7,424	132
Commercial construction	—	—	—	—
Owner occupied one- to four-family residential	3,681	39	3,832	88
Non-owner occupied one- to four-family residential	1,688	20	1,737	45
Commercial real estate	26,275	326	26,456	630
Other residential	9,742	93	9,761	180
Commercial business	1,962	19	2,216	47
Industrial revenue bonds	—	—	—	—
Consumer auto	456	14	440	21
Consumer other	569	16	575	33
Home equity lines of credit	404	4	405	13
Total	$57,197	$662	$58,113	$1,323

	At or for the Year Ended December 31, 2014
				Average
		Unpaid		Investment	Interest
	Recorded	Principal	Specific	in Impaired	Income
	Balance	Balance	Allowance	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$1,312	$1,312	$—	$173	$76
Subdivision construction	4,540	4,540	344	2,593	226
Land development	7,601	8,044	1,507	9,691	292
Commercial construction	—	—	—	—	—
Owner occupied one- to four-family
residential	3,747	4,094	407	4,808	212
Non-owner occupied one- to four-family
residential	1,889	2,113	78	4,010	94
Commercial real estate	28,641	30,781	1,751	29,808	1,253
Other residential	9,804	9,804	—	10,469	407
Commercial business	2,725	2,750	823	2,579	158
Industrial revenue bonds	—	—	—	2,644	—
Consumer auto	420	507	63	219	37
Consumer other	629	765	94	676	71
Home equity lines of credit	431	476	75	461	25
Total	$61,739	$65,186	$5,142	$68,131	$2,851

	June 30, 2014
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$170	$170	$—
Subdivision construction	1,707	1,783	585
Land development	7,600	8,024	1,531
Commercial construction	—	—	—
Owner occupied one- to four-family residential	5,149	5,490	581
Non-owner occupied one- to four-family residential	4,534	4,680	457
Commercial real estate	30,744	33,200	1,507
Other residential	10,586	10,586	—
Commercial business	2,183	2,203	606
Industrial revenue bonds	3,651	4,585	—
Consumer auto	187	215	28
Consumer other	738	856	111
Home equity lines of credit	436	460	92
Total	$67,685	$72,252	$5,498

	Three Months Ended		Six Months Ended
	June 30, 2014		June 30, 2014
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$57	$3	$28	$3
Subdivision construction	2,310	8	2,720	30
Land development	10,937	42	11,779	143
Commercial construction	—	—	—	—
Owner occupied one- to four-family residential	5,101	60	5,318	112
Non-owner occupied one- to four-family residential	4,140	69	3,930	110
Commercial real estate	29,958	360	30,541	690
Other residential	10,734	120	10,845	210
Commercial business	1,847	47	2,904	68
Industrial revenue bonds	2,933	303	2,815	303
Consumer auto	160	5	166	7
Consumer other	714	24	696	42
Home equity lines of credit	441	—	484	14
Total	$69,332	$1,041	$72,226	$1,732