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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment (Tables)
 3 Months Ended
Sep. 30, 2014
Tables/Schedules  
Schedule of Allowance for Loan Losses and Recorded Investment

 

The following tables present the balance in the allowance for loan losses and the recorded investment in loans (excluding loans in process and deferred loan fees) based on portfolio segment and impairment methods as of September 30 and June 30, 2014, and activity in the allowance for loan losses for the three-month periods ended  September 30, 2014 and 2013:

 

At period end and for the three months ended September 30, 2014

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

(Dollars in thousands)

 

 

 

 

 

 

Allowance for loan losses:

  Balance, beginning of period

$2,462

$355

$4,143

$519

$1,780

$9,259

  Provision charged to expense

217

162

14

45

389

827

  Losses charged off

(11)

-

-

(20)

-

(31)

  Recoveries

8

-

18

26

3

55

  Balance, end of period

$2,676

$517

$4,175

$570

$2,172

$10,110

  Ending Balance: individually     evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively     evaluated for impairment

$2,676

$517

$4,175

$570

$2,172

$10,110

  Ending Balance: loans acquired     with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

  Ending Balance: individually     evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively     evaluated for impairment

$380,100

$32,050

$372,618

$47,156

$177,165

$1,009,089

  Ending Balance: loans acquired     with deteriorated credit quality

$4,114

$2,647

$12,368

$196

$1,119

$20,444

 

For the three months ended September 30, 2013

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

(dollars in thousands)

 

 

 

 

 

 

Allowance for loan losses:

  Balance, beginning of period

$1,810

$273

$3,603

$472

$2,229

$8,387

  Provision charged to expense

161

17

196

30

95

499

  Losses charged off

(14)

-

(61)

(8)

(13)

(96)

  Recoveries

1

-

-

4

1

6

  Balance, end of period

$1,958

$290

$3,738

$498

$2,312

$8,796

  Ending Balance: individually     evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively     evaluated for impairment

$1,958

$290

$3,738

$498

$1,886

$8,370

  Ending Balance: loans acquired     with deteriorated credit quality

$-

$-

$-

$-

$426

$426

 

June 30, 2014

Residential

Construction

Commercial

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

(dollars in thousands)

 

 

 

 

 

 

Allowance for loan losses:

  Balance, end of period

$2,462

$355

$4,143

$519

$1,780

$9,259

  Ending Balance: individually     evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively     evaluated for impairment

$2,462

$355

$4,143

$519

$1,780

$9,259

  Ending Balance: loans acquired     with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

  Ending Balance: individually     evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively     evaluated for impairment

$302,111

$21,477

$307,253

$35,223

$140,957

$807,021

  Ending Balance: loans acquired     with deteriorated credit quality

$1,790

$-

$1,267

$-

$115

$3,172