Note 3: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment (Tables)

12 Months Ended

Jun. 30, 2016

Tables/Schedules

Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment

(dollars in thousands)	Residential	Construction	Commercial
June 30, 2016	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	590	192	806	58	848	2,494
Losses charged off	(167)	-	(97)	(86)	(725)	(1,075)
Recoveries	5	-	46	8	15	74
Balance, end of period	$               3,247	$               1,091	$               5,711	$                  738	$               3,004	$             13,791
Ending Balance: individually             evaluated for impairment	$                    -	$                    -	$                    -	$                    -	$                    -	$                    -
Ending Balance: collectively             evaluated for impairment	$               3,247	$               1,091	$               5,711	$                  738	$               3,004	$             13,791
Ending Balance: loans acquired             with deteriorated credit quality	$                    -	$                    -	$                    -	$                    -	$                    -	$                    -
Loans:
Ending Balance: individually             evaluated for impairment	$                    -	$                    -	$                    -	$                    -	$                    -	$                    -
Ending Balance: collectively             evaluated for impairment	$           389,978	$             54,187	$           442,173	$             46,541	$           201,013	$        1,133,892
Ending Balance: loans acquired             with deteriorated credit quality	$               2,996	$               1,403	$               9,879	$                    -	$               1,032	$             15,310

(dollars in thousands)	Residential	Construction	Commercial
June 30, 2015	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	400	544	775	334	1,132	3,185
Losses charged off	(54)	-	(9)	(128)	(50)	(241)
Recoveries	11	-	47	33	4	95
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

(dollars in thousands)	Residential	Construction	Commercial
June 30, 2014	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	805	82	635	89	35	1,646
Losses charged off	(169)	-	(95)	(59)	(579)	(902)
Recoveries	16	-	1	17	95	129
Balance, end of period	$               2,462	$                  355	$               4,143	$                  519	$               1,780	$               9,259