NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables)

6 Months Ended

Jun. 30, 2020

Tables/Schedules

Impaired Financing Receivables

		June 30, 2020
				Unpaid
		Recorded		Principal		Specific
		Balance		Balance		Allowance
		(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-
Subdivision construction		24		24		-
Land development		-		-		-
Commercial construction		-		-		-
Owner occupied one- to four-family residential		2,751		3,034		78
Non-owner occupied one- to four-family residential		279		471		-
Commercial real estate		3,674		3,711		486
Other residential		-		-		-
Commercial business		1,220		1,726		9
Industrial revenue bonds		-		-		-
Consumer auto		753		959		122
Consumer other		246		374		12
Home equity lines of credit		527		557		4
Total	$	9,474	$	10,856	$	711

	Three Months Ended June 30, 2020				Six Months Ended June 30, 2020
		Average				Average
		Investment		Interest		Investment		Interest
		in Impaired		Income		in Impaired		Income
		Loans		Recognized		Loans		Recognized
	(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-	$	-
Subdivision construction		170		1		209		3
Land development		-		-		-		-
Commercial construction		-		-		-		-
Owner occupied one- to four-family residential		2,882		34		2,702		80
Non-owner occupied one- to four-family residential		418		5		425		11
Commercial real estate		3,885		37		4,004		67
Other residential		-		-		-		-
Commercial business		1,223		9		1,243		25
Industrial revenue bonds		-		-		-		-
Consumer auto		868		14		973		40
Consumer other		265		6		276		16
Home equity lines of credit		500		7		538		19
Total	$	10,211	$	113	$	10,370	$	261

		At or for the Year Ended December 31, 2019
								Average
				Unpaid				Investment		Interest
		Recorded		Principal		Specific		in Impaired		Income
		Balance		Balance		Allowance		Loans		Recognized
		(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-	$	-	$	-
Subdivision construction		251		251		96		277		9
Land development		-		-		-		328		101
Commercial construction		-		-		-		-		-
Owner occupied one- to four- family residential		2,300		2,423		82		2,598		131
Non-owner occupied one- to four-family residential		409		574		20		954		43
Commercial real estate		4,020		4,049		517		4,940		264
Other residential		-		-		-		-		-
Commercial business		1,286		1,771		13		1,517		81
Industrial revenue bonds		-		-		-		-		-
Consumer auto		1,117		1,334		181		1,128		125
Consumer other		356		485		16		383		48
Home equity lines of credit		528		548		4		362		37
Total	$	10,267	$	11,435	$	929	$	12,487	$	839

		June 30, 2019
				Unpaid
		Recorded		Principal		Specific
		Balance		Balance		Allowance
		(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-
Subdivision construction		261		261		100
Land development		3,556		3,588		-
Commercial construction		-		-		-
Owner occupied one- to four-family residential		2,157		2,434		114
Non-owner occupied one- to four-family residential		764		944		22
Commercial real estate		7,809		7,834		555
Other residential		-		-		-
Commercial business		1,451		1,918		470
Industrial revenue bonds		-		-		-
Consumer auto		1,040		1,230		133
Consumer other		417		651		20
Home equity lines of credit		364		380		3
Total	$	17,819	$	19,240	$	1,417

	Three Months Ended June 30, 2019				Six Months Ended June 30, 2019
		Average				Average
		Investment		Interest		Investment		Interest
		in Impaired		Income		in Impaired		Income
		Loans		Recognized		Loans		Recognized
	(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-	$	-
Subdivision construction		280		3		293		5
Land development		1,189		99		601		99
Commercial construction		-		-		-		-
Owner occupied one- to four-family residential		2,839		20		3,097		57
Non-owner occupied one- to four-family residential		815		6		1,296		18
Commercial real estate		6,349		86		5,612		136
Other residential		-		-		-		-
Commercial business		1,626		26		1,700		58
Industrial revenue bonds		-		-		-		-
Consumer auto		1,088		18		1,240		43
Consumer other		401		11		432		22
Home equity lines of credit		290		10		254		17
Total	$	14,877	$	279	$	14,525	$	455