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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, 2013
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, 2013

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

      Balance, beginning of period

$1,809,975

$272,662

$3,602,542

$471,666

$2,229,135

$8,385,980

      Provision charged to expense

160,771

17,182

196,404

30,062

95,101

499,520

      Losses charged off

(14,086)

-

(61,301)

(7,936)

(13,266)

(96,589)

      Recoveries

752

-

345

4,079

733

5,909

      Balance, end of period

$1,957,412

$289,844

$3,737,990

$497,871

$2,311,703

$8,794,820

      Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively evaluated for impairment

$1,957,412

$289,844

$3,737,990

$497,871

$1,886,017

$8,369,134

      Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$425,686

$425,686

     

Loans:

      Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively evaluated for impairment

$242,586,579

$17,555,461

$245,522,820

$29,660,949

$147,700,124

$683,025,933

      Ending Balance: loans acquired with deteriorated credit quality

$1,726,646

$-

$1,285,213

$-

$859,371

$3,871,230

 

For the three months ended

September 30, 2012

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

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

 

June 30, 2013

Residential

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

 

 

 

 

 

 

 

Allowance for loan losses:

 

 

 

 

 

 

      Balance, end of period

$1,809,975

$272,662

$3,602,542

$471,666

$2,229,135

$8,385,980

      Ending Balance: individually evaluated for impairment

$-

$-

$85,000

$-

$-

$85,000

      Ending Balance: collectively evaluated for impairment

$1,809,975

$272,662

$3,517,542

$471,666

$1,671,646

$7,743,491

      Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$557,489

$557,489

Loans:

      Ending Balance: individually evaluated for impairment

$-

$-

$144,328

$-

$-

$144,328

      Ending Balance: collectively evaluated for impairment

$232,186,722

$19,932,817

$240,888,891

$28,414,878

$129,735,511

$651,158,819

      Ending Balance: loans acquired with deteriorated credit quality

$1,701,720

$-

$1,270,703

$-

$1,132,973

$4,105,396