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

3 Months Ended

Sep. 30, 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 September 30, 2014 and June 30, 2014. 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:

	September 30, 2014
	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
(dollars in thousands)
Pass	$378,111	$34,697	$371,754	$46,868	$176,404
Watch	2,188	-	6,193	70	279
Special Mention	-	-	-	-	-
Substandard	3,915	-	7,039	414	1,601
Doubtful	-	-	-	-	-
Total	$384,214	$34,697	$384,986	$47,352	$178,284

	June 30, 2014
	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
(dollars in thousands)
Pass	$300,926	$21,477	$303,853	$35,046	$140,138
Watch	301	-	1,014	40	362
Special Mention	-	-	-	-	-
Substandard	2,674	-	3,653	137	572
Doubtful	-	-	-	-	-
Total	$303,901	$21,477	$308,520	$35,223	$141,072