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

9 Months Ended

Mar. 31, 2017

Tables/Schedules

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

	At period end and for the nine months ended March 31, 2017
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$3,247	$1,091	$5,711	$738	$3,004	$13,791
Provision charged to expense	246	(162)	1,405	16	452	1,957
Losses charged off	(201)	(31)	(4)	(50)	(337)	(623)
Recoveries	7	1	18	9	30	65
Balance, end of period	$3,299	$899	$7,130	$713	$3,149	$15,190
Ending Balance: individually     evaluated for impairment	$-	$-	$-	$-	$-	$-
Ending Balance: collectively     evaluated for impairment	$3,299	$899	$7,130	$713	$3,149	$15,190
Ending Balance: loans acquired     with deteriorated credit quality	$-	$-	$-	$-	$-	$-
Loans:
Ending Balance: individually     evaluated for impairment	$-	$-	$-	$-	$-	$-
Ending Balance: collectively     evaluated for impairment	$397,636	$48,739	$523,819	$50,533	$205,943	$1,226,670
Ending Balance: loans acquired     with deteriorated credit quality	$2,905	$1,353	$9,302	$-	$881	$14,441

	For the three months ended March 31, 2017
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$3,472	$891	$6,851	$756	$3,022	$14,992
Provision charged to expense	(70)	8	280	(35)	193	376
Losses charged off	(104)	-	(4)	(11)	(67)	(186)
Recoveries	1	-	3	3	1	8
Balance, end of period	$3,299	$899	$7,130	$713	$3,149	$15,190

	At period end and for the nine months ended March 31, 2016
	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	534	257	572	120	194	1,677
Losses charged off	(99)	-	(77)	(72)	(100)	(348)
Recoveries	4	-	46	6	10	66
Balance, end of period	$3,258	$1,156	$5,497	$812	$2,970	$13,693
Ending Balance: individually     evaluated for impairment	$-	$-	$-	$-	$312	$312
Ending Balance: collectively     evaluated for impairment	$3,258	$1,156	$5,497	$812	$2,658	$13,381
Ending Balance: loans acquired     with deteriorated credit quality	$-	$-	$-	$-	$-	$-

	For the three months ended March 31, 2016
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$3,207	$1,046	$5,249	$786	$2,884	$13,172
Provision charged to expense	59	110	248	60	86	563
Losses charged off	(9)	-	-	(38)	-	(47)
Recoveries	1	-	-	4	-	5
Balance, end of period	$3,258	$1,156	$5,497	$812	$2,970	$13,693

	At June 30, 2016
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
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