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Note 3: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)
 12 Months Ended
Dec. 31, 2015
Tables/Schedules  
Allowance for Credit Losses on Financing Receivables

 

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2015.  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, 2015:

 

 

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, 2015

$3,455

$2,941

$19,773

$3,562

$3,679

$5,025

$38,435

Provision (benefit) charged to expense

1,428

193

(2,753)

(619)

1,450

5,820

5,519

Losses charged off

(80)

(2)

(2,584)

(329)

(1,202)

(5,315)

(9,512)

Recoveries

97

58

302

405

276

2,569

3,707

 

 

 

 

 

 

 

 

Balance,

 

 

 

 

 

 

 

December 31, 2015

$4,900

$3,190

$14,738

$3,019

$4,203

$8,099

$38,149

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

Individually evaluated

 

 

 

 

 

 

 

for impairment

$731

$--

$2,556

$1,391

$1,115

$300

$6,093

Collectively evaluated

 

 

 

 

 

 

 

for impairment

$3,464

$3,122

$11,888

$1,570

$2,862

$7,647

$30,553

Loans acquired and

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

ASC 310-30

$705

$68

$294

$58

$226

$152

$1,503

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

Individually evaluated

 

 

 

 

 

 

 

for impairment

$6,129

$9,533

$34,629

$7,555

$2,365

$1,950

$62,161

Collectively evaluated

 

 

 

 

 

 

 

for impairment

$316,052

$410,016

$1,008,845

$651,679

$392,577

$596,740

$3,375,909

Loans acquired and

 

 

 

 

 

 

 

accounted for under

 

 

 

 

 

 

 

ASC 310-30

$194,697

$35,945

$73,148

$4,981

$10,500

$43,574

$362,845

 

 

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 (benefit) 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

$229,332

$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