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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, 2017
Tables/Schedules  
Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment

 

(dollars in thousands)

Residential

Construction

Commercial

June 30, 2017

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

            184 

               (97)

           1,356 

             76 

              821 

         2,340 

    Losses charged off

          (211)

               (31)

               (19)

           (65)

             (337)

          (663)

    Recoveries

              10 

                   1 

                20 

               8 

                31 

              70 

    Balance, end of period

$      3,230 

   $          964 

  $       7,068 

  $       757 

$        3,519 

$     15,538 

    Ending Balance: individually       evaluated for impairment

$              - 

   $               - 

  $               - 

  $            - 

$                - 

$               - 

    Ending Balance: collectively       evaluated for impairment

$      3,230 

   $          964 

  $       7,068 

  $       757 

$        3,519 

$     15,538 

    Ending Balance: loans acquired       with deteriorated credit quality

$              - 

   $               - 

  $               - 

  $            - 

$                - 

$               - 

     

Loans:

    Ending Balance: individually       evaluated for impairment

$              - 

   $               - 

  $               - 

  $            - 

$                - 

$               - 

    Ending Balance: collectively       evaluated for impairment

$  438,981 

   $     54,704 

  $   592,427 

  $  63,651 

$    243,369 

$ 1,393,132 

    Ending Balance: loans acquired       with deteriorated credit quality

$      3,482 

   $       1,338 

  $     11,495 

  $            - 

$        3,815 

$     20,130 

 

(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