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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods (Tables)
 3 Months Ended
Sep. 30, 2012
Tables/Schedules  
Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods

 

 

At period end for the three months ended

September 30, 2012

Conventional

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Unallocated

Total

Allowance for loan losses:

  Balance, beginning of period

$1,635,346

$243,169

$2,985,838

$483,597

$2,144,104

$-

$7,492,054

  Provision charged to expense

92,776

(51,385)

469,519

45,363

54,416

-

610,689

  Losses charged off

(13,872)

-

(227)

(8,589)

(3,244)

-

(25,932)

  Recoveries

113

-

1,630

2,284

-

-

4,027

  Balance, end of period

$1,714,363

$191,784

$3,456,760

$522,655

$2,195,276

$-

$8,080,838

  Ending Balance: individually

 

 

 

 

 

 

 

    evaluated for impairment

$-

$-

$347,815

$-

$-

$-

$347,815

  Ending Balance: collectively

 

 

 

 

 

 

 

    evaluated for impairment

$1,714,363

$191,784

$3,097,996

$522,655

$1,685,289

$-

$7,212,087

  Ending Balance: loans acquired

 

 

 

 

 

 

 

    with deteriorated credit quality

$-

$-

$10,949

$-

$509,987

$-

$520,936

     

Loans:

  Ending Balance: individually

 

 

 

 

 

 

 

    evaluated for impairment

$-

$-

$963,384

$-

$-

$-

$963,384

  Ending Balance: collectively

 

 

 

 

 

 

 

    evaluated for impairment

$205,329,331

$18,878,460

$219,261,405

$28,349,963

$139,241,974

$-

$611,061,133

  Ending Balance: loans acquired

 

 

 

 

 

 

 

    with deteriorated credit quality

$1,586,935

$-

$1,687,453

$-

$1,311,286

$-

$4,585,674

 

 

 For three months ended

September 30, 2011

Conventional

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Unallocated

Total

Allowance for loan losses:

  Balance, beginning of period

$1,618,285

$192,752

$2,671,482

$441,207

$1,514,725

$-

$6,438,451

  Provision charged to expense

165,494

182,546

(389,686)

174,723

383,606

-

516,683

  Losses charged off

(76,918)

-

(24,825)

(96,604)

(11,156)

-

(209,503)

  Recoveries

4,605

233

-

1,592

-

-

6,430

  Balance, end of period

$1,711,466

$375,531

$2,256,971

$520,918

$1,887,175

$-

$6,752,061

  Ending Balance: individually

 

 

 

 

 

 

 

    evaluated for impairment

$-

$-

$109,481

$-

$-

$-

$109,481

  Ending Balance: collectively

 

 

 

 

 

 

 

    evaluated for impairment

$1,711,466

$375,531

$2,024,010

$520,918

$1,775,054

$-

$6,406,979

  Ending Balance: loans acquired

 

 

 

 

 

 

 

    with deteriorated credit quality

$-

$-

$123,480

$-

$112,121

$-

$235,601

 

 

June 30, 2012

Conventional

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Unallocated

Total

Allowance for loan losses:

  Balance, end of period

$1,635,346

$243,169

$2,985,838

$483,597

$2,144,104

$-

$7,492,054

  Ending Balance: individually

 

 

 

 

 

 

 

    evaluated for impairment

$-

$-

$347,815

$-

$-

$-

$347,815

  Ending Balance: collectively

 

 

 

 

 

 

 

    evaluated for impairment

$1,635,346

$243,169

$2,632,679

$483,597

$1,767,967

$-

$6,762,758

  Ending Balance: loans acquired

 

 

 

 

 

 

 

    with deteriorated credit quality

$-

$-

$5,344

$-

$376,137

$-

$381,481

Loans:

  Ending Balance: individually

 

 

 

 

 

 

 

    evaluated for impairment

$-

$-

$976,881

$-

$-

$-

$976,881

  Ending Balance: collectively

 

 

 

 

 

 

 

    evaluated for impairment

$205,418,257

$18,878,460

$219,251,243

$28,349,963

$139,198,551

$-

$611,096,474

  Ending Balance: loans acquired

 

 

 

 

 

 

 

    with deteriorated credit quality

$1,498,009

$-

$1,684,118

$-

$1,354,709

$-

$4,536,836