Note 6: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)

3 Months Ended

Mar. 31, 2016

Allowance for Credit Losses on Financing Receivables

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2016. 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 March 31, 2016:

	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, 2016	$4,900	$3,190	$14,738	$3,019	$4,203	$8,099	$38,149
Provision (benefit) charged to expense	51	(582)	1,288	129	(554)	1,769	2,101
Losses charged off	(84)	—	(2,309)	(30)	(19)	(1,737)	(4,179)
Recoveries	16	13	11	8	47	860	955
Balance March 31, 2016	$4,883	$2,621	$13,728	$3,126	$3,677	$8,991	$37,026

Ending balance:

Individually evaluated for
impairment	$729	$—	$1,900	$1,141	$1,120	$359	$5,249
Collectively evaluated for
impairment	$3,481	$2,532	$11,586	$1,915	$2,373	$8,435	$30,322
Loans acquired and
accounted for under ASC
310-30	$673	$89	$242	$70	$184	$197	$1,455

Loans
Individually evaluated for
impairment	$6,162	$9,472	$31,654	$7,496	$2,215	$2,340	$59,339
Collectively evaluated for
impairment	$427,010	$405,645	$1,016,526	$688,448	$386,618	$640,328	$3,564,575
Loans acquired and
accounted for under ASC
310-30	$187,210	$35,608	$64,924	$5,436	$9,075	$42,068	$344,321

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended March 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	556	(140)	385	(113)	467	145	1,300
Losses charged off	(140)	(3)	(2)	(197)	(224)	(1,147)	(1,713)
Recoveries	114	11	60	104	23	737	1,049
Balance March 31, 2015	$3,985	$2,809	$20,216	$3,356	$3,945	$4,760	$39,071

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, 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
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