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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment (Tables)
 9 Months Ended
Mar. 31, 2015
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 March 31, 2015 and June 30, 2014, and activity in the allowance for loan losses for the three- and nine-month periods ended March 31, 2015 and 2014:

 

At period end and for the nine months ended March 31, 2015

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$2,462

$355

$4,143

$519

$1,780

$9,259

  Provision charged to expense

286

511

698

216

815

2,526

  Losses charged off

(24)

-

(9)

(54)

(40)

(127)

  Recoveries

10

-

40

32

3

85

  Balance, end of period

$2,734

$866

$4,872

$713

$2,558

$11,743

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$59

$-

$59

  Ending Balance: collectively evaluated for impairment

$2,734

$866

$4,872

$654

$2,558

$11,684

 Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$59

$-

$59

  Ending Balance: collectively evaluated for impairment

$377,500

$43,608

$394,407

$45,630

$180,580

$1,041,725

  Ending Balance: loans acquired with deteriorated credit quality

$3,823

$2,481

$11,797

$195

$1,096

$19,392

 

For the three months ended March 31, 2015

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$2,800

$561

$4,564

$736

$2,297

$10,958

  Provision charged to expense

(54)

305

316

(12)

282

837

  Losses charged off

(13)

-

(8)

(16)

(21)

(58)

  Recoveries

1

-

-

5

-

6

  Balance, end of period

$2,734

$866

$4,872

$713

$2,558

$11,743

 

At period end and for the nine months ended March 31, 2014

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$1,810

$273

$3,602

$472

$2,229

$8,386

  Provision charged to expense

562

130

446

55

(145)

1,048

  Losses charged off

(150)

-

(69)

(51)

(517)

(787)

  Recoveries

15

-

1

15

9

40

  Balance, end of period

$2,237

$403

$3,980

$491

$1,576

$8,687

  Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

  Ending Balance: collectively evaluated for impairment

$2,237

$403

$3,980

$491

$1,576

$8,687

  Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$-

$-

 

For the three months ended March 31, 2014

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

  Balance, beginning of period

$2,131

$424

$3,787

$496

$2,247

$9,085

  Provision charged to expense

232

(21)

193

23

(174)

253

  Losses charged off

(127)

-

-

(32)

(504)

(663)

  Recoveries

1

-

-

4

7

12

  Balance, end of period

$2,237

$403

$3,980

$491

$1,576

$8,687

 

At June 30, 2014

(dollars in thousands)

Residential

Construction

Commercial

 

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

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