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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)
 6 Months Ended
Dec. 31, 2019
Tables/Schedules  
Schedule of Balance in the Allowance for Loan Losses and Recorded Invesetment

 

 

At period end and for the six months ended December 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

$

3,706

 

$

1,365

 

$

9,399

 

$

1,046

 

$

4,387

 

$

19,903

 Provision charged to expense

 

160

 

 

292

 

 

413

 

 

92

 

 

327

 

 

1,284

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(97)

 

 

(147)

 

 

(416)

 Recoveries

 

18

 

 

-

 

 

15

 

 

9

 

 

1

 

 

43

   Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: individually

     evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

   Ending Balance: collectively

     evaluated for impairment

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

   Ending Balance: loans acquired

     with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

538,121

 

$

95,518

 

$

835,045

 

$

101,621

 

$

349,186

 

$

1,919,491

 Ending Balance: loans acquired

   with deteriorated credit quality

$

1,295

 

$

1,296

 

$

15,431

 

$

-

 

$

6,089

 

$

24,111

 

 

For the three months ended December 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

$

3,572

 

$

1,539

 

$

9,789

 

$

1,074

 

$

4,736

 

$

20,710

 Provision charged to expense

 

294

 

 

118

 

 

37

 

 

(4)

 

 

(57)

 

 

388

 Losses charged off

 

(172)

 

 

-

 

 

-

 

 

(26)

 

 

(112)

 

 

(310)

 Recoveries

 

18

 

 

-

 

 

1

 

 

6

 

 

1

 

 

26

 Balance, end of period

$

3,712

 

$

1,657

 

$

9,827

 

$

1,050

 

$

4,568

 

$

20,814

 

 

 

At period end and for the six months ended December 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

$

3,226

 

$

1,097

 

$

8,793

 

$

902

 

$

4,196

 

$

18,214

 Provision charged to expense

 

415

 

 

94

 

 

319

 

 

80

 

 

87

 

 

995

 Losses charged off

 

(9)

 

 

-

 

 

(120)

 

 

(20)

 

 

(47)

 

 

(196)

 Recoveries

 

1

 

 

-

 

 

3

 

 

5

 

 

1

 

 

10

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: individually

   evaluated for impairment

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 Ending Balance: collectively

   evaluated for impairment

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 Ending Balance: loans acquired

   with deteriorated credit quality

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

$

-

 

 

For the three months ended December 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

$

3,349

 

$

1,293

 

$

8,733

 

$

981

 

$

4,434

 

$

18,790

 Provision charged to expense

 

293

 

 

(102)

 

 

284

 

 

(11)

 

 

(150)

 

 

314

 Losses charged off

 

(9)

 

 

-

 

 

(25)

 

 

(3)

 

 

(47)

 

 

(84)

 Recoveries

 

-

 

 

-

 

 

3

 

 

-

 

 

-

 

 

3

 Balance, end of period

$

3,633

 

$

1,191

 

$

8,995

 

$

967

 

$

4,237

 

$

19,023

 

 

At June 30, 2019

 

 

Residential

 

 

Construction

 

 

Commercial

 

 

 

 

 

 

 

 

 

(dollars in thousands)

 

Real Estate

 

 

Real Estate

 

 

Real Estate

 

 

Consumer

 

 

Commercial

 

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 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