NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Allowance for Credit Losses on Financing Receivables (Tables)

9 Months Ended

Sep. 30, 2017

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 three and nine months ended September 30, 2017.  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 September 30, 2017:

	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 July 1, 2017	$         2,413	$        3,655	$        15,442	$         1,711	$       4,365	$      8,947	$        36,533
Provision (benefit) charged to expense	285	190	643	298	562	972	2,950
Losses charged off	(74)	(10)	(357)	--	(1,090)	(3,151)	(4,682)
Recoveries	46	89	74	129	66	1,038	1,442
Balance September 30, 2017	$        2,670	$       3,924	$        15,802	$         2,138	$       3,903	$      7,806	$        36,243
Balance January 1, 2017	$        2,322	$       5,486	$        15,938	$         2,284	$       3,015	$      8,355	$        37,400
Provision (benefit) charged to expense	407	(1,708)	1,413	74	1,786	5,178	7,150
Losses charged off	(150)	(12)	(1,649)	(386)	(1,365)	(9,120)	(12,682)
Recoveries	91	158	100	166	467	3,393	4,375
Balance September 30, 2017	$        2,670	$       3,924	$        15,802	$         2,138	$       3,903	$      7,806	$        36,243
Ending balance:
Individually evaluated for
impairment	$           571	$              --	$             599	$                --	$       2,396	$         747	$          4,313
Collectively evaluated for
impairment	$        2,056	$       3,887	$        15,002	$         2,040	$       1,482	$      6,993	$        31,460
Loans acquired and
accounted for under ASC
310-30	$             43	$            37	$             201	$              98	$            25	$           66	$             470
Loans
Individually evaluated for
impairment	$        7,168	$       3,390	$          9,358	$            315	$       3,141	$      4,429	$        27,801
Collectively evaluated for
impairment	$    344,016	$   759,067	$   1,226,139	$  1,029,354	$   383,511	$  563,875	$   4,305,962
Loans acquired and
accounted for under ASC
310-30	$    127,495	$     20,655	$        41,518	$         4,175	$       4,943	$    28,366	$      227,152

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 30, 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 July 1, 2016	$        4,184	$        3,698	$   16,157	$         3,013	$       3,531	$     7,550	$  38,133
Provision (benefit) charged to expense	(738)	1,702	1,130	(1,238)	(425)	2,069	2,500
Losses charged off	(38)	--	(1,815)	(1)	(191)	(2,548)	(4,593)
Recoveries	23	15	17	80	33	794	962
Balance September 30, 2016	$        3,431	$        5,415	$   15,489	$         1,854	$       2,948	$     7,865	$  37,002
Balance January 1, 2016	$        4,900	$        3,190	$   14,738	$         3,019	$       4,203	$     8,099	$  38,149
Provision (benefit) charged to expense	(1,387)	2,186	5,114	(1,252)	(1,093)	3,333	6,901
Losses charged off	(129)	--	(5,546)	(31)	(383)	(6,047)	(12,136)
Recoveries	47	39	1,183	118	221	2,480	4,088
Balance September 30, 2016	$        3,431	$        5,415	$   15,489	$         1,854	$       2,948	$     7,865	$  37,002

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, 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
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