Note 7: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment (Tables)

3 Months Ended

Jun. 30, 2013

Tables/Schedules

Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance April 1, 2013	$5,575	$4,482	$16,812	$5,130	$5,838	$2,711	$40,548
Provision (benefit) charged to expense	864	(329)	1,671	882	135	448	3,671
Losses charged off	(322)	(791)	(2,187)	(276)	(352)	(752)	(4,680)
Recoveries	8	11	123	53	43	408	646
Balance June 30, 2013	$6,125	$3,373	$16,419	$5,789	$5,664	$2,815	$40,185

Balance January 1, 2013	$6,822	$4,327	$17,441	$3,938	$5,096	$3,025	$40,649
Provision charged to expense	526	1,702	5,262	2,122	1,870	414	11,896
Losses charged off	(1,240)	(2,686)	(6,530)	(329)	(1,370)	(1,669)	(13,824)
Recoveries	17	30	246	58	68	1,045	1,464
Balance June 30, 2013	$6,125	$3,373	$16,419	$5,789	$5,664	$2,815	$40,185

Ending balance:
Individually evaluated for
impairment	$2,042	$265	$2,420	$1,134	$3,373	$161	$9,395
Collectively evaluated for
impairment	$4,084	$3,108	$13,879	$4,652	$2,290	$2,653	$30,666
Loans acquired and
accounted for under ASC
310-30	$--	$--	$119	$2	$1	$2	$124

Loans
Individually evaluated for
impairment	$15,210	$11,598	$41,101	$15,610	$10,007	$1,004	$94,530
Collectively evaluated for
impairment	$286,887	$248,202	$722,986	$218,987	$269,213	$241,195	$1,987,470
Loans acquired and
accounted for under ASC
310-30	$251,122	$42,379	$101,446	$5,370	$9,409	$32,489	$442,215

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Balance April 1, 2012	$9,413	$4,023	$20,109	$3,155	$3,059	$1,773	$41,532
Provision charged to expense	598	2,924	3,191	8,689	680	1,518	17,600
Losses charged off	(2,135)	(3,252)	(7,795)	(5,132)	(512)	(727)	(19,553)
Recoveries	23	317	87	217	114	385	1,143
Balance June 30, 2012	$7,899	$4,012	$15,592	$6,929	$3,341	$2,949	$40,722

Balance January 1, 2012	$11,424	$3,088	$18,390	$2,982	$2,974	$2,374	$41,232
Provision (benefit) charged to expense	(1,106)	3,857	9,316	13,298	1,246	1,066	27,677
Losses charged off	(2,494)	(3,252)	(12,205)	(9,592)	(1,053)	(962)	(29,558)
Recoveries	75	319	91	241	174	471	1,371
Balance June 30, 2012	$7,899	$4,012	$15,592	$6,929	$3,341	$2,949	$40,722

The following table presents the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2012:

	One- to Four-
	Family
	Residential and	Other	Commercial	Commercial	Commercial
	Construction	Residential	Real Estate	Construction	Business	Consumer	Total
(In Thousands)
Allowance for loan losses
Individually evaluated for
impairment	$2,288	$1,089	$4,990	$96	$2,778	$156	$11,397
Collectively evaluated for
impairment	$4,532	$3,239	$12,443	$3,842	$2,315	$2,864	$29,235
Loans acquired and
accounted for under ASC
310-30	$1	$--	$9	$--	$4	$3	$17

Loans
Individually evaluated for
impairment	$14,691	$16,405	$48,476	$12,009	$10,064	$980	$102,625
Collectively evaluated for
impairment	$279,502	$251,113	$687,663	$201,065	$254,567	$219,670	$1,893,580
Loans acquired and
accounted for under ASC
310-30	$278,889	$53,280	$129,128	$7,997	$14,939	$39,616	$523,849