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NOTE 3: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment (Tables)
 12 Months Ended
Jun. 30, 2019
Tables/Schedules  
Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment

 

(dollars in thousands)

Residential

Construction

Commercial

 

 

 

June 30, 2019

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

                    487

                    268

                    765

                    231

                    281

                 2,032

      Losses charged off

                     (30)

                         -

                   (164)

                   (103)

                     (92)

                   (389)

      Recoveries

                      23

                         -

                        5

                      16

                        2

                      46

      Balance, end of period

 $              3,706

 $              1,365

 $              9,399

 $              1,046

 $              4,387

 $            19,903

      Ending Balance: individually             evaluated for impairment

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

      Ending Balance: collectively             evaluated for impairment

 $              3,706

 $              1,365

 $              9,399

 $              1,046

 $              4,387

 $            19,903

      Ending Balance: loans acquired             with deteriorated credit quality

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

     

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

      Ending Balance: individually             evaluated for impairment

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

      Ending Balance: collectively             evaluated for impairment

 $          490,307

 $            78,826

 $          821,415

 $            97,534

 $          349,681

 $       1,837,763

      Ending Balance: loans acquired             with deteriorated credit quality

 $              1,685

 $              1,308

 $            19,362

 $                      -

 $              6,193

 $            28,548

 

(dollars in thousands)

Residential

Construction

Commercial

 

 

 

June 30, 2018

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

      Ending Balance: individually             evaluated for impairment

 $                      -

 $                      -

 $                 399

 $                      -

 $                 351

 $                 750

      Ending Balance: collectively             evaluated for impairment

 $              3,226

 $              1,097

 $              8,394

 $                 902

 $              3,845

 $            17,464

      Ending Balance: loans acquired             with deteriorated credit quality

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

 $                      -

     

 

 

 

 

 

 

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

 

(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