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Note 7: Loans and Allowance For Loan Losses: Schedule of Impaired Loans (Tables) | 3 Months Ended
--- | ---
Jun. 30, 2013
Tables/Schedules |
Schedule of Impaired Loans |
| June 30, 2013
|  | Unpaid |
| Recorded | Principal | Specific
| Balance | Balance | Allowance
(In Thousands) |  |  |
One- to four-family residential construction | $286 | $286 | $--
Subdivision construction | 4,683 | 4,687 | 729
Land development | 15,610 | 16,010 | 1,135
Commercial construction | -- | -- | --
Owner occupied one- to four-family residential | 4,612 | 4,962 | 408
Non-owner occupied one- to four-family residential | 5,629 | 5,778 | 905
Commercial real estate | 41,102 | 43,490 | 2,420
Other residential | 11,597 | 11,598 | 265
Commercial business | 7,309 | 8,795 | 3,373
Industrial revenue bonds | 2,698 | 2,778 | --
Consumer auto | 99 | 115 | 15
Consumer other | 639 | 721 | 95
Home equity lines of credit | 266 | 278 | 50
Total | $94,530 | $99,498 | $9,395
| June 30, 2012
|  | Unpaid |
| Recorded | Principal | Specific
| Balance | Balance | Allowance
(In Thousands) |  |  |
One- to four-family residential construction | $687 | $687 | $251
Subdivision construction | 3,810 | 5,486 | 262
Land development | 19,233 | 20,710 | 3,842
Commercial construction | 1,530 | 1,530 | 134
Owner occupied one- to four-family residential | 4,856 | 5,309 | 488
Non-owner occupied one- to four-family residential | 10,965 | 11,402 | 1,028
Commercial real estate | 39,634 | 41,887 | 1,045
Other residential | 17,335 | 18,600 | 246
Commercial business | 3,447 | 4,365 | 517
Industrial revenue bonds | 3,508 | 3,588 | 98
Consumer auto | 158 | 180 | 25
Consumer other | 669 | 774 | 99
Home equity lines of credit | 90 | 98 | 23
Total | $105,922 | $114,616 | $8,058
| Three Months Ended |  | Six Months Ended
| June 30, 2013 |  | June 30, 2013
| Average |  |  | Average |
| Investment | Interest |  | Investment | Interest
| in Impaired | Income |  | in Impaired | Income
| Loans | Recognized |  | Loans | Recognized
(In Thousands) |  |  |  |  |
One- to four-family residential construction | $95 | $5 |  | $48 | $5
Subdivision construction | 3,087 | 76 |  | 2,778 | 106
Land development | 12,495 | 240 |  | 11,752 | 366
Commercial construction | -- | -- |  | -- | --
Owner occupied one- to four-family residential | 4,704 | 63 |  | 4,831 | 116
Non-owner occupied one- to four-family residential | 4,662 | 100 |  | 5,251 | 161
Commercial real estate | 46,102 | 364 |  | 46,164 | 740
Other residential | 14,836 | 113 |  | 16,620 | 217
Commercial business | 7,528 | 16 |  | 7,473 | 75
Industrial revenue bonds | 2,702 | 14 |  | 2,703 | 14
Consumer auto | 105 | 2 |  | 119 | 4
Consumer other | 648 | 21 |  | 662 | 32
Home equity lines of credit | 278 | 2 |  | 308 | 10
Total | $97,242 | $1,016 |  | $98,709 | $1,846
| Three Months Ended |  | Six Months Ended
| June 30, 2012 |  | June 30, 2012
| Average |  |  | Average |
| Investment | Interest |  | Investment | Interest
| in Impaired | Income |  | in Impaired | Income
| Loans | Recognized |  | Loans | Recognized
(In Thousands) |  |  |  |  |
One- to four-family residential construction | $687 | $11 |  | $801 | $22
Subdivision construction | 10,206 | 107 |  | 13,743 | 287
Land development | 13,206 | 389 |  | 10,516 | 481
Commercial construction | 510 | 35 |  | 255 | 35
Owner occupied one- to four-family residential | 5,088 | 115 |  | 5,156 | 162
Non-owner occupied one- to four-family residential | 11,579 | 293 |  | 11,087 | 454
Commercial real estate | 38,718 | 988 |  | 45,031 | 1,524
Other residential | 22,419 | 463 |  | 17,252 | 581
Commercial business | 3,742 | 84 |  | 4,245 | 160
Industrial revenue bonds | 3,508 | -- |  | 3,042 | --
Consumer auto | 158 | 8 |  | 167 | 12
Consumer other | 688 | 40 |  | 655 | 62
Home equity lines of credit | 111 | 3 |  | 137 | 6
Total | $110,620 | $2,536 |  | $112,087 | $3,786
| At or for the Year Ended December 31, 2012
| Recorded Balance | Unpaid Principal Balance | Specific Allowance | Average Investment in Impaired Loans | Interest Income Recognized
(In Thousands) |  |  |  |  |
One- to four-family residential construction | $410 | $410 | $239 | $679 | $22
Subdivision construction | 2,577 | 2,580 | 688 | 8,399 | 143
Land development | 12,009 | 13,204 | 96 | 12,614 | 656
Commercial construction | -- | -- | -- | 383 | --
Owner occupied one- to four-family residential | 5,627 | 6,037 | 550 | 5,174 | 295
Non-owner occupied one- to four-family residential | 6,077 | 6,290 | 811 | 10,045 | 330
Commercial real estate | 48,476 | 49,779 | 4,990 | 45,181 | 2,176
Other residential | 16,405 | 16,405 | 1,089 | 16,951 | 836
Commercial business | 7,279 | 8,615 | 2,778 | 4,851 | 329
Industrial revenue bonds | 2,785 | 2,865 | -- | 3,034 | 5
Consumer auto | 143 | 170 | 22 | 157 | 17
Consumer other | 602 | 682 | 89 | 654 | 65
Home equity lines of credit | 235 | 248 | 45 | 162 | 15
Total | $102,625 | $107,285 | $11,397 | $108,284 | $4,889

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