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Note 7: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment (Tables) | 6 Months Ended
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Jun. 30, 2014
Tables/Schedules |
Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment | The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2014. Also presented is the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of June 30, 2014:
| 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, 2014 | $4,638 | $1,998 | $18,443 | $7,071 | $2,341 | $3,784 | $38,275
Provision (benefit) charged to expense | 915 | (281) | (1,629) | 1,110 | 979 | 368 | 1,462
Losses charged off | (505) | (2) | (338) | (95) | (738) | (764) | (2,442)
Recoveries | 25 | 8 | — | 163 | — | 591 | 787
Balance June 30, 2014 | $5,073 | $1,723 | $16,476 | $8,249 | $2,582 | $3,979 | $38,082
Balance January 1, 2014 | $6,235 | $2,678 | $16,939 | $4,464 | $6,451 | $3,349 | $40,116
Provision (benefit) charged to expense | 367 | (968) | (134) | 3,693 | (1,182) | 1,378 | 3,154
Losses charged off | (1,697) | (2) | (719) | (130) | (2,687) | (1,784) | (7,019)
Recoveries | 168 | 15 | 390 | 222 | — | 1,036 | 1,831
Balance June 30, 2014 | $5,073 | $1,723 | $16,476 | $8,249 | $2,582 | $3,979 | $38,082
Ending balance: |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $1,623 | $— | $1,507 | $1,531 | $606 | $231 | $5,498
Collectively evaluated for |  |  |  |  |  |  |
impairment | $3,450 | $1,703 | $14,625 | $6,700 | $1,966 | $3,708 | $32,152
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $— | $20 | $344 | $18 | $10 | $40 | $432
Loans |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $11,560 | $10,586 | $30,744 | $7,600 | $5,834 | $1,361 | $67,685
Collectively evaluated for |  |  |  |  |  |  |
impairment | $302,782 | $332,383 | $814,149 | $326,354 | $369,138 | $344,371 | $2,489,177
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $257,756 | $61,905 | $113,316 | $19,819 | $21,862 | $48,379 | $523,037
The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2013:
| 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 (benefit) 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
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, 2013:
| 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 | $2,501 | $-- | $90 | $473 | $4,162 | $218 | $7,444
Collectively evaluated for |  |  |  |  |  |  |
impairment | $3,734 | $2,678 | $16,845 | $3,991 | $2,287 | $3,131 | $32,666
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $-- | $-- | $4 | $-- | $2 | $-- | $6
Loans |  |  |  |  |  |  |
Individually evaluated for |  |  |  |  |  |  |
impairment | $13,055 | $10,983 | $31,591 | $12,628 | $8,755 | $1,389 | $78,401
Collectively evaluated for |  |  |  |  |  |  |
impairment | $297,057 | $314,616 | $791,329 | $229,232 | $306,514 | $273,871 | $2,212,619
Loans acquired and |  |  |  |  |  |  |
accounted for under ASC |  |  |  |  |  |  |
310-30 | $206,964 | $35,095 | $84,591 | $6,989 | $4,883 | $47,642 | $386,164

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