Note 3: Loans and Allowance For Loan Losses: Allowance for Credit Losses on Financing Receivables (Tables)

12 Months Ended

Dec. 31, 2016

Tables/Schedules

Allowance for Credit Losses on Financing Receivables

The following tables present the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2016, 2015 and 2014, respectively.  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 the years ended December 31, 2016, 2015, and 2014, respectively:

	December 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	(2,407)	2,260	5,632	(827)	(926)	5,549	9,281
Losses charged off	(229)	(16)	(5,653)	(31)	(589)	(8,751)	(15,269)
Recoveries	58	52	1,221	123	327	3,458	5,239
Balance, December 31, 2016	$          2,322	$      5,486	$        15,938	$          2,284	$          3,015	$          8,355	$    37,400
Ending balance:
Individually evaluated
for impairment	$             570	$           —	$          2,209	$          1,291	$          1,295	$             997	$      6,362
Collectively evaluated
for impairment	$          1,628	$      5,396	$        13,507	$             953	$          1,681	$          7,248	$    30,413
Loans acquired and
accounted for under
ASC 310-30	$             124	$           90	$             222	$               40	$               39	$             110	$         625
Loans
Individually evaluated
for impairment	$          6,015	$      3,812	$        10,507	$          6,023	$          4,539	$          3,385	$    34,281
Collectively evaluated
for impairment	$      370,172	$  659,566	$   1,176,399	$      825,215	$      369,154	$      669,602	$ 4,070,108
Loans acquired and
accounted for under
ASC 310-30	$      155,378	$    29,600	$        54,208	$          2,191	$          6,429	$        35,353	$  283,159

	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

	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