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

3 Months Ended

Mar. 31, 2014

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 March 31, 2014 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:

	March 31, 2014
	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
Pass	$ 291,308,695	$   20,723,625	$ 298,059,803	$   34,283,302	$ 120,243,925
Watch	2,271,361	8,442	2,011,286	86,644	268,671
Special Mention	-	-	-	-	-
Substandard	1,215,703	374,817	3,944,194	274,570	727,622
Doubtful	36,792	36,426	-	-	17,050
Total	$294,832,551	$21,143,310	$304,015,279	$34,617,516	$121,257,268

	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