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Note 7: Loans and Allowance For Loan Losses: Schedule of Loan Portfolio Credit Quality Internal Grading System (Details) (USD $) In Thousands, unless otherwise specified | Sep. 30, 2012 | Dec. 31, 2011
--- | --- | ---
Satisfactory |  |
One- to four-family residential construction | $ 30,135 | $ 21,436
Subdivision construction | 32,191 | 45,754
Land development | 51,016 | 41,179
Commercial construction | 124,612 | 119,589
Owner occupied one- to four-family residential | 80,059 | 86,725
Non-owner occupied one- to four-family residential | 134,147 | 129,458
Commercial real estate | 568,150 | 542,712
Other residential | 253,493 | 222,940
Commercial business | 244,179 | 225,664
Industrial revenue bonds | 41,424 | 57,640
Consumer auto | 74,679 | 59,237
Consumer other | 81,813 | 77,006
Home equity lines of credit | 53,206 | 46,940
FDIC-supported loans, net of discounts (TeamBank) | 87,873 | 128,875
FDIC-supported loans, net of discounts (Vantus Bank) | 105,050 | 123,036
FDIC-supported loans, net of discounts (Sun Security Bank) | 101,951 | 144,626
FDIC-supported loans, net of discounts (InterBank) | 269,889 |
Total Portfolio by Internal Grading System | 2,333,867 | 2,072,817
Watch |  |
One- to four-family residential construction |  | 2,354
Subdivision construction | 2,990 | 2,701
Land development | 5,201 | 20,902
Owner occupied one- to four-family residential | 636 | 1,018
Non-owner occupied one- to four-family residential | 6,071 | 5,232
Commercial real estate | 52,279 | 51,757
Other residential | 9,466 | 13,262
Commercial business | 7,839 | 5,403
Industrial revenue bonds | 675 |
Total Portfolio by Internal Grading System | 85,157 | 102,629
Special Mention |  |
Land development |  | 245
Non-owner occupied one- to four-family residential |  | 249
Commercial real estate |  | 13,384
Commercial business |  | 638
Total Portfolio by Internal Grading System |  | 14,516
Substandard |  |
One- to four-family residential construction | 612 | 186
Subdivision construction | 2,206 | 12,685
Land development | 7,747 | 6,445
Owner occupied one- to four-family residential | 3,391 | 4,251
Non-owner occupied one- to four-family residential | 8,636 | 10,842
Commercial real estate | 30,523 | 32,004
Other residential | 9,312 | 7,540
Commercial business | 1,107 | 4,679
Industrial revenue bonds | 2,110 | 2,110
Consumer auto | 159 | 131
Consumer other | 742 | 534
Home equity lines of credit | 177 | 174
Total Portfolio by Internal Grading System | 66,722 | 81,581
Doubtful |  |
Commercial business | 2,316 |
Total Portfolio by Internal Grading System | 2,316 |
Total for Portfolio |  |
One- to four-family residential construction | 30,747 | 23,976
Subdivision construction | 37,387 | 61,140
Land development | 63,964 | 68,771
Commercial construction | 124,612 | 119,589
Owner occupied one- to four-family residential | 84,086 | 91,994
Non-owner occupied one- to four-family residential | 148,854 | 145,781
Commercial real estate | 650,952 | 639,857
Other residential | 272,271 | 243,742
Commercial business | 255,441 | 236,384
Industrial revenue bonds | 44,209 | 59,750
Consumer auto | 74,838 | 59,368
Consumer other | 82,555 | 77,540
Home equity lines of credit | 53,383 | 47,114
FDIC-supported loans, net of discounts (TeamBank) | 87,873 | 128,875
FDIC-supported loans, net of discounts (Vantus Bank) | 105,050 | 123,036
FDIC-supported loans, net of discounts (Sun Security Bank) | 101,951 | 144,626
FDIC-supported loans, net of discounts (InterBank) | 269,889 |
Total Portfolio by Internal Grading System | $ 2,488,062 | $ 2,271,543

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