Note 4: Loans and Allowance For Loan Losses: Financing Receivable Credit Quality Indicators (Tables)

6 Months Ended

Dec. 31, 2013

Tables/Schedules

Financing Receivable Credit Quality Indicators

The following tables present the credit risk profile of the Company’s loan portfolio (excluding loans in process and deferred loan fees) based on rating category and payment activity as of December 31 and June 30, 2013.  These tables include purchased credit impaired loans, which are reported according to risk categorization after acquisition based on the Company’s standards for such classification:

	December 31, 2013
	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
Pass	$279,514,531	$23,115,180	$278,784,189	$31,924,312	$132,080,592
Watch	2,886,421	-	2,981,694	41,158	345,234
Special Mention	-	-	-	-	-
Substandard	949,205	-	3,695,250	140,960	1,222,527
Doubtful	-	-	-	-	-
Total	$283,350,157	$23,115,180	$285,461,133	$32,106,430	$133,648,353

	June 30, 2013
	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
Pass	$231,230,256	$19,932,817	$237,131,788	$28,252,411	$129,782,625
Watch	1,881,836	-	1,594,368	41,463	55,858
Special Mention	-	-	-	-	-
Substandard	776,350	-	3,577,766	121,004	1,030,001
Doubtful	-	-	-	-	-
Total	$233,888,442	$19,932,817	$242,303,922	$28,414,878	$130,868,484