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Note 4: Loans and Allowance for Loan Losses: Schedule of balance in the allowance for loan losses and recorded investment (Tables)
 6 Months Ended
Dec. 31, 2017
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, 2017

Residential

Construction

Commercial

(dollars in thousands)

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

      Balance, beginning of period

$3,230

$964

$7,068

$757

$3,519

$15,538

      Provision charged to expense

133

(78)

1,271

125

60

1,511

      Losses charged off

(78)

-

(36)

(58)

(21)

(193)

      Recoveries

1

-

-

4

6

11

      Balance, end of period

$3,286

$886

$8,303

$828

$3,564

$16,867

      Ending Balance: individually

            evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively

            evaluated for impairment

$3,286

$886

$8,303

$828

$3,564

$16,867

      Ending Balance: loans acquired

            with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

      Ending Balance: individually

            evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively

            evaluated for impairment

$443,968

$52,231

$646,557

$66,725

$242,923

$1,452,404

      Ending Balance: loans acquired

            with deteriorated credit quality

$3,433

$1,321

$9,439

$-

$3,242

$17,435

 

For the three months ended December 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

$3,300

$965

$7,649

$815

$3,628

$16,357

      Provision charged to expense

40

(79)

690

40

(49)

642

      Losses charged off

(55)

-

(36)

(28)

(21)

(140)

      Recoveries

1

-

-

1

6

8

      Balance, end of period

$3,286

$886

$8,303

$828

$3,564

$16,867

 

 

 

At period end and for the six months ended December 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

$3,247

$1,091

$5,711

$738

$3,004

$13,791

      Provision charged to expense

316

(170)

1,124

52

259

1,581

      Losses charged off

(97)

(31)

-

(39)

(270)

(437)

      Recoveries

6

1

16

5

29

57

      Balance, end of period

$3,472

$891

$6,851

$756

$3,022

$14,992

      Ending Balance: individually

            evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively

            evaluated for impairment

$3,472

$891

$6,851

$756

$3,022

$14,992

      Ending Balance: loans acquired

            with deteriorated credit quality

$-

$-

$-

$-

$-

$-

 

For the three months ended December 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

$3,153

$1,121

$6,370

$738

$3,074

$14,456

      Provision charged to expense

316

(200)

465

53

22

656

      Losses charged off

-

(31)

-

(35)

(101)

(167)

      Recoveries

3

1

16

-

27

47

      Balance, end of period

$3,472

$891

$6,851

$756

$3,022

$14,992

 

At June 30, 2017

Residential

Construction

Commercial

(dollars in thousands)

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

      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