Note 4: Loans and Allowance For Loan Losses: Schedule of balance in the allowance for loan losses and recorded investment (Tables)

3 Months Ended

Dec. 31, 2015

Tables/Schedules

Schedule of balance in the allowance for loan losses and recorded investment

	At period end and for the six months ended  December 31, 2015
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$2,819	$899	$4,956	$758	$2,866	$12,298
Provision charged to expense	475	147	324	60	108	1,114
Losses charged off	(90)	-	(77)	(35)	(100)	(302)
Recoveries	3	-	46	3	10	62
Balance, end of period	$3,207	$1,046	$5,249	$786	$2,884	$13,172
Ending Balance: individually             evaluated for impairment	$-	$-	$-	$-	$144	$144
Ending Balance: collectively             evaluated for impairment	$3,207	$1,046	$5,249	$786	$2,740	$13,028
Ending Balance: loans acquired             with deteriorated credit quality	$-	$-	$-	$-	$-	$-
Loans:
Ending Balance: individually             evaluated for impairment	$-	$-	$-	$-	$625	$625
Ending Balance: collectively             evaluated for impairment	$389,179	$51,411	$400,583	$45,514	$188,558	$1,075,245
Ending Balance: loans acquired             with deteriorated credit quality	$3,141	$1,832	$10,617	$-	$1,070	$16,660

	For the three months ended December 31, 2015
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$3,295	$865	$5,049	$750	$2,853	$12,812
Provision charged to expense	(64)	181	210	59	110	496
Losses charged off	(26)	-	(56)	(25)	(88)	(195)
Recoveries	2	-	46	2	9	59
Balance, end of period	$3,207	$1,046	$5,249	$786	$2,884	$13,172

	At period end and for the six months ended December 31, 2014
	Residential	Construction	Commercial
(dollars in thousands)	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	340	206	381	229	533	1,689
Losses charged off	(11)	-	-	(38)	(19)	(68)
Recoveries	9	-	40	26	3	78
Balance, end of period	$2,800	$561	$4,564	$736	$2,297	$10,958
Ending Balance: individually             evaluated for impairment	$-	$-	$-	$-	$-	$-
Ending Balance: collectively             evaluated for impairment	$2,800	$561	$4,564	$736	$2,297	$10,958
Ending Balance: loans acquired             with deteriorated credit quality	$-	$-	$-	$-	$-	$-

	For the three months ended December 31, 2014
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$2,676	$517	$4,175	$570	$2,172	$10,110
Provision charged to expense	123	44	367	185	143	862
Losses charged off	-	-	-	(20)	(18)	(38)
Recoveries	1	-	22	1	-	24
Balance, end of period	$2,800	$561	$4,564	$736	$2,297	$10,958

	June 30, 2015
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, end of period	$2,819	$899	$4,956	$758	$2,866	$12,298
Ending Balance: individually             evaluated for impairment	$-	$-	$-	$-	$160	$160
Ending Balance: collectively             evaluated for impairment	$2,819	$899	$4,956	$758	$2,706	$12,138
Ending Balance: loans acquired             with deteriorated credit quality	$-	$-	$-	$-	$-	$-
Loans:
Ending Balance: individually             evaluated for impairment	$-	$-	$-	$-	$675	$675
Ending Balance: collectively             evaluated for impairment	$374,186	$42,655	$394,028	$46,560	$190,128	$1,047,557
Ending Balance: loans acquired             with deteriorated credit quality	$3,279	$1,861	$10,692	$210	$1,083	$17,125