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Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Tables)
 9 Months Ended
Mar. 31, 2019
Tables/Schedules  
Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment

 

 

At period end and for the nine months ended March 31, 2019

 

Residential

Construction

Commercial

 

 

 

(dollars in thousands)

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

 

 

 

 

 

 

      Balance, beginning of period

$      3,226 

   $     1,097

$      8,793 

$       902 

$      4,196 

$     18,214 

      Provision charged to expense

           612 

             153

            710 

          110 

            (99)

         1,486 

      Losses charged off

            (27)

                  -

          (141)

          (47)

            (78)

          (293)

      Recoveries

             12 

                  -

                5 

              8 

                2 

              27 

      Balance, end of period

$      3,823 

   $     1,250

$      9,367 

$       973 

$      4,021 

$     19,434 

      Ending Balance: individually             evaluated for impairment

$              - 

   $             -

$              - 

$            - 

$              - 

$               - 

      Ending Balance: collectively             evaluated for impairment

$      3,823 

   $     1,250

$      9,367 

$       973 

$      4,021 

$     19,434 

      Ending Balance: loans acquired             with deteriorated credit quality

$              - 

   $             -

$              - 

$            - 

$              - 

$               - 

     

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

      Ending Balance: individually             evaluated for impairment

$              - 

   $             -

$              - 

$            - 

$              - 

$               - 

      Ending Balance: collectively             evaluated for impairment

$  491,797 

   $   72,041

$  822,759 

$  90,883 

$  337,202 

$ 1,814,682 

      Ending Balance: loans acquired             with deteriorated credit quality

$      1,821 

   $     1,292

$    19,389 

$            - 

$      5,702 

$     28,204 

 

 

For the three months ended March 31, 2019

 

Residential

Construction

Commercial

 

 

 

(dollars in thousands)

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

 

 

 

 

 

 

      Balance, beginning of period

   $  3,633 

   $       1,191

   $    8,995 

   $    967 

   $    4,237 

$ 19,023 

      Provision charged to expense

          196 

                 59

            392 

           30 

          (186)

        491 

      Losses charged off

           (18)

                    -

            (21)

         (27)

            (31)

        (97)

      Recoveries

            12 

                    -

                1 

             3 

                1 

          17 

      Balance, end of period

   $  3,823 

   $       1,250

   $    9,367 

   $    973 

   $    4,021 

$ 19,434 

 

 

 

At period end and for the nine months ended March 31, 2018

 

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

        (110)

             (15)

        1,627 

        169 

           389 

     2,060 

      Losses charged off

        (170)

                  - 

           (41)

      (118)

           (22)

      (351)

      Recoveries

             2 

                  - 

               1 

            6 

               7 

          16 

      Balance, end of period

   $ 2,952 

   $        949 

   $   8,655 

   $   814 

   $   3,893 

$ 17,263 

      Ending Balance: individually             evaluated for impairment

   $         - 

   $             - 

   $      410 

   $        - 

   $      340 

$      750 

      Ending Balance: collectively             evaluated for impairment

   $ 2,952 

   $        949 

   $   8,245 

   $   814 

   $   3,553 

$ 16,513 

      Ending Balance: loans acquired             with deteriorated credit quality

   $         - 

   $             - 

   $           - 

   $        - 

   $           - 

$           - 

 

 

For the three months ended March 31, 2018

 

Residential

Construction

Commercial

 

 

 

(dollars in thousands)

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

 

 

 

 

 

 

      Balance, beginning of period

   $  3,286 

   $          886

   $    8,303 

   $    828 

   $    3,564 

$ 16,867 

      Provision charged to expense

         (243)

                 63

            356 

           44 

            330 

        550 

      Losses charged off

           (92)

                    -

              (6)

         (60)

              (1)

      (159)

      Recoveries

              1 

                    -

                2 

             2 

                 - 

            5 

      Balance, end of period

   $  2,952 

   $          949

   $    8,655 

   $    814 

   $    3,893 

$ 17,263 

 

 

At June 30, 2018

 

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

           184 

            142 

         1,779 

          251 

            691 

         3,047 

      Losses charged off

          (190)

              (9)

            (56)

        (129)

            (22)

          (406)

      Recoveries

               2 

                 - 

                2 

            23 

                8 

              35 

      Balance, end of period

$      3,226 

   $    1,097 

$      8,793 

$       902 

$      4,196 

$     18,214 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

      Ending Balance: individually             evaluated for impairment

$              - 

   $            - 

$         660 

$            - 

$         580 

$       1,240 

      Ending Balance: collectively             evaluated for impairment

$  447,706 

   $  64,888 

$  696,377 

$  78,571 

$  278,241 

$ 1,565,783 

      Ending Balance: loans acquired             with deteriorated credit quality

$      3,213 

   $    1,297 

$      7,610 

$            - 

$      2,451 

$     14,571