Note 6: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)

3 Months Ended

Mar. 31, 2016

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 March 31, 2016
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$—	$—	$—
Subdivision construction	1,014	1,014	209
Land development	7,496	7,586	1,141
Commercial construction	—	—	—
Owner occupied one- to four-family residential	5,148	5,718	520
Non-owner occupied one- to four-family residential	—	—	—
Commercial real estate	31,654	34,773	1,900
Other residential	9,472	9,472	—
Commercial business	2,215	2,644	1,120
Industrial revenue bonds	—	—	—
Consumer auto	1,000	1,039	150
Consumer other	880	962	132
Home equity lines of credit	460	480	77
Total	$59,339	$63,688	$5,249

	For the Three Months Ended March 31, 2016
	Average
	Investment in	Interest
	Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$—	$—
Subdivision construction	1,049	7
Land development	7,506	69
Commercial construction	—	—
Owner occupied one- to four-family residential	5,121	57
Non-owner occupied one- to four-family residential	—	—
Commercial real estate	33,088	224
Other residential	9,496	98
Commercial business	2,230	24
Industrial revenue bonds	—	—
Consumer auto	929	17
Consumer other	897	19
Home equity lines of credit	461	12
Total	$60,777	$527

	At December 31, 2015
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
(In Thousands)
One- to four-family residential construction	$—	$—	$—
Subdivision construction	1,061	1,061	214
Land development	7,555	7,644	1,391
Commercial construction	—	—	—
Owner occupied one- to four-family
residential	3,166	3,427	389
Non-owner occupied one- to four-family
residential	1,902	2,138	128
Commercial real estate	34,629	37,259	2,556
Other residential	9,533	9,533	—
Commercial business	2,365	2,539	1,115
Industrial revenue bonds	—	—	—
Consumer auto	791	829	119
Consumer other	802	885	120
Home equity lines of credit	357	374	61
Total	$62,161	$65,689	$6,093

	For the Year Ended December 31, 2015
	Average
	Investment	Interest
	in Impaired	Income
	Loans	Recognized
(In Thousands)
One- to four-family residential construction	$633	$35
Subdivision construction	3,533	109
Land development	7,432	287
Commercial construction	—	—
Owner occupied one- to four-family
residential	3,587	179
Non-owner occupied one- to four-family
residential	1,769	100
Commercial real estate	28,610	1,594
Other residential	9,670	378
Commercial business	2,268	138
Industrial revenue bonds	—	—
Consumer auto	576	59
Consumer other	672	74
Home equity lines of credit	403	27
Total	$59,153	$2,980

	At 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

	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