Note 6: Loans and Allowance For Loan Losses: Impaired Financing Receivables (Tables)

9 Months Ended

Sep. 30, 2016

Impaired loans (excluding FDIC-supported loans, net of discount and acquired non-covered loans, net of discount), are summarized as follows:

	September 30, 2016
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
	(In Thousands)

One- to four-family residential construction	$—	$—	$—
Subdivision construction	851	860	133
Land development	9,051	9,146	1,079
Commercial construction	—	—	—
Owner occupied one- to four-family residential	3,170	3,450	382
Non-owner occupied one- to four-family residential	1,865	2,119	51
Commercial real estate	13,369	16,269	2,280
Other residential	3,977	3,977	—
Commercial business	2,326	2,438	1,046
Industrial revenue bonds	—	—	—
Consumer auto	1,632	1,751	245
Consumer other	886	959	133
Home equity lines of credit	383	396	63

Total	$37,510	$41,365	$5,412

	Three Months Ended		Nine Months Ended
	September 30, 2016		September 30, 2016
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
	(In Thousands)

One- to four-family residential construction	$—	$—	$—	$—
Subdivision construction	924	6	987	36
Land development	9,066	120	8,016	266
Commercial construction	—	—	—	—
Owner occupied one- to four-family residential	3,181	50	3,252	129
Non-owner occupied one- to four-family residential	1,947	31	1,877	83
Commercial real estate	22,325	223	28,133	847
Other residential	6,321	44	7,779	219
Commercial business	2,190	39	2,174	87
Industrial revenue bonds	—	—	—	—
Consumer auto	1,434	55	1,123	93
Consumer other	864	27	876	56
Home equity lines of credit	395	3	422	22

Total	$48,647	$598	$54,639	$1,838

		At or for the Year Ended December 31, 2015
					Average
			Unpaid		Investment	Interest
	Recorded		Principal	Specific	in Impaired	Income
	Balance		Balance	Allowance	Loans	Recognized
	(In Thousands)

One- to four-family residential construction	$—		$—	$—	$633	$35
Subdivision construction	1,061		1,061	214	3,533	109
Land development	7,555		7,644	1,391	7,432	287
Commercial construction	—		—	—	—	—
Owner occupied one- to four-family
residential	3,166		3,427	389	3,587	179
Non-owner occupied one- to four-family
residential	1,902		2,138	128	1,769	100
Commercial real estate	34,629		37,259	2,556	28,610	1,594
Other residential	9,533		9,533	—	9,670	378
Commercial business	2,365		2,539	1,115	2,268	138
Industrial revenue bonds	—		—	—	—	—
Consumer auto	791		829	119	576	59
Consumer other	802		885	120	672	74
Home equity lines of credit	357		374	61	403	27

Total	$62,161		$65,689	$6,093	$59,153	$2,980

	September 30, 2015
		Unpaid
	Recorded	Principal	Specific
	Balance	Balance	Allowance
	(In Thousands)

One- to four-family residential construction	$712	$712	$—
Subdivision construction	2,531	2,535	218
Land development	7,416	7,421	1,405
Commercial construction	—	—	—
Owner occupied one- to four-family residential	3,462	3,732	411
Non-owner occupied one- to four-family residential	1,853	2,064	134
Commercial real estate	32,232	33,618	3,340
Other residential	9,567	9,567	—
Commercial business	2,701	2,783	473
Industrial revenue bonds	—	—	—
Consumer auto	725	762	109
Consumer other	861	993	129
Home equity lines of credit	430	456	73

Total	$62,490	$64,643	$6,292

	Three Months Ended		Nine Months Ended
	September 30, 2015		September 30, 2015
	Average		Average
	Investment	Interest	Investment	Interest
	in Impaired	Income	in Impaired	Income
	Loans	Recognized	Loans	Recognized
	(In Thousands)

One- to four-family residential construction	$634	$7	$755	$35
Subdivision construction	3,749	32	4,218	99
Land development	7,425	72	7,425	204
Commercial construction	—	—	—	—
Owner occupied one- to four-family residential	3,424	44	3,696	132
Non-owner occupied one- to four-family residential	1,739	30	1,737	75
Commercial real estate	28,026	559	26,979	1,189
Other residential	9,612	106	9,711	286
Commercial business	2,058	62	2,163	109
Industrial revenue bonds	—	—	—	—
Consumer auto	626	19	502	40
Consumer other	732	30	628	63
Home equity lines of credit	395	7	402	20

Total	$58,420	$968	$58,216	$2,252