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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
Dec. 31, 2012
Tables/Schedules  
Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods

 

 

At period end for the six months ended

December 31, 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

290,255

(90,913)

815,427

44,680

13,257

-

1,072,706

      Losses charged off

(203,242)

-

(417,071)

(8,589)

(29,466)

-

(658,368)

      Recoveries

224

-

4,462

6,698

2,425

-

13,809

      Balance, end of period

$1,722,583

$152,256

$3,388,656

$526,386

$2,130,320

$-

$7,920,201

      Ending Balance: individually

 

 

 

 

 

 

 

            evaluated for impairment

$-

$-

$100,000

$-

$-

$-

$100,000

      Ending Balance: collectively

 

 

 

 

 

 

 

            evaluated for impairment

$1,722,583

$152,256

$3,288,656

$526,386

$1,620,333

$-

$7,310,214

      Ending Balance: loans acquired

 

 

 

 

 

 

 

            with deteriorated credit quality

$-

$-

$-

$-

$509,987

$-

$509,987

     

Loans:

      Ending Balance: individually

 

 

 

 

 

 

 

            evaluated for impairment

$-

$-

$165,144

$-

$-

$-

$165,144

      Ending Balance: collectively

 

 

 

 

 

 

 

            evaluated for impairment

$224,220,783

$12,708,780

$233,397,723

$28,187,249

$123,862,663

$-

$622,377,198

      Ending Balance: loans acquired

 

 

 

 

 

 

 

            with deteriorated credit quality

$1,680,910

$-

$1,648,101

$-

$1,300,444

$-

$4,629,455

 

 

For the three months ended

December 31, 2012

Conventional

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Unallocated

Total

Allowance for loan losses:

      Balance, beginning of period

$1,714,363

$191,784

$3,456,760

$522,655

$2,195,276

$-

$8,080,838

      Provision charged to expense

197,478

(39,528)

344,852

(683)

(40,102)

-

462,017

      Losses charged off

(189,370)

-

(416,843)

-

(26,223)

-

(632,436)

      Recoveries

112

-

3,887

4,414

1,369

-

9,782

      Balance, end of period

$1,722,583

$152,256

$3,388,656

$526,386

$2,130,320

$-

$7,920,201

 

 

 For the six months ended

December 31, 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

304,647

(10,192)

3,743

214,197

349,722

-

862,116

      Losses charged off

(91,369)

-

(24,824)

(127,767)

(33,625)

-

(277,585)

      Recoveries

6,551

460

430

7,143

9,024

-

23,608

      Balance, end of period

$1,838,114

$183,020

$2,650,831

$534,780

$1,839,846

$-

$7,046,590

      Ending Balance: individually

 

 

 

 

 

 

 

            evaluated for impairment

$-

$-

$100,000

$-

$-

$-

$100,000

      Ending Balance: collectively

 

 

 

 

 

 

 

            evaluated for impairment

$1,838,114

$183,020

$2,409,101

$534,780

$1,817,931

$-

$6,782,945

      Ending Balance: loans acquired

 

 

 

 

 

 

 

            with deteriorated credit quality

$-

$-

$141,730

$-

$21,915

$-

$163,645

 

 

For three months ended

December 31, 2011

Conventional

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Unallocated

Total

Allowance for loan losses:

      Balance, beginning of period

$1,711,466

$375,531

$2,256,971

$520,918

$1,887,175

$-

$6,752,061

      Provision charged to expense

139,154

(192,511)

393,202

39,471

(33,883)

-

345,433

      Losses charged off

(14,452)

-

-

(31,161)

(22,470)

-

(68,083)

      Recoveries

1,946

-

658

5,551

9,024

-

17,179

      Balance, end of period

$1,838,114

$183,020

$2,650,831

$534,780

$1,839,846

$-

$7,046,590

 

 

June 30, 2012

Residential

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

$199,514,689

$22,811,575

$198,296,430

$28,985,905

$135,649,513

$-

$585,258,112

      Ending Balance: loans acquired

 

 

 

 

 

 

 

            with deteriorated credit quality

$1,498,009

$-

$1,684,118

$-

$1,354,709

$-

$4,536,836