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NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Allowance for Credit Losses on Financing Receivables (Tables)

6 Months Ended

Jun. 30, 2018

Allowance for Credit Losses on Financing Receivables

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2018. Also presented are 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, 2018:

	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, 2018	$ 2,602	$ 3,212	$ 18,062	$ 2,188	$ 3,695	$ 6,551	$ 36,310
Provision (benefit) charged to expense	63	364	1,297	109	(454)	571	1,950
Losses charged off	(27)	(75)	—	(46)	(472)	(2,112)	(2,732)
Recoveries	89	344	115	144	222	1,114	2,028
Balance June 30, 2018	$ 2,727	$ 3,845	$ 19,474	$ 2,395	$ 2,991	$ 6,124	$ 37,556

Balance January 1, 2018	$ 2,108	$ 2,839	$ 18,639	$ 1,767	$ 3,581	$ 7,558	$ 36,492
Provision (benefit) charged to expense	487	969	811	471	28	1,134	3,900
Losses charged off	(41)	(331)	(102)	(83)	(881)	(4,934)	(6,372)
Recoveries	173	368	126	240	263	2,366	3,536
Balance June 30, 2018	$ 2,727	$ 3,845	$ 19,474	$ 2,395	$ 2,991	$ 6,124	$ 37,556

Ending balance:
Individually evaluated for
impairment	$ 737	$ —	$ 220	$ —	$ 1,422	$ 641	$ 3,020
Collectively evaluated for
impairment	$ 1,953	$ 3,817	$ 18,988	$ 2,322	$ 1,545	$ 5,443	$ 34,068
Loans acquired and
accounted for under ASC
310-30	$ 37	$ 28	$ 266	$ 73	$ 24	$ 40	$ 468

Loans
Individually evaluated for
impairment	$ 6,740	$ 1,015	$ 8,313	$ 15	$ 3,350	$ 3,330	$ 22,763
Collectively evaluated for
impairment	$ 381,570	$ 784,187	$ 1,299,653	$ 1,305,192	$ 363,983	$ 470,441	$ 4,605,026
Loans acquired and
accounted for under ASC
310-30	$ 103,903	$ 13,193	$ 36,857	$ 3,404	$ 4,444	$ 22,335	$ 184,136

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2017:

	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, 2017	$ 2,857	$ 3,790	$ 15,487	$ 2,497	$ 4,671	$ 7,691	$ 36,993
Provision (benefit) charged to expense	(427)	(147)	1,246	(724)	(661)	2,663	1,950
Losses charged off	(41)	(2)	(1,291)	(92)	—	(2,565)	(3,991)
Recoveries	24	14	—	30	355	1,158	1,581
Balance June 30, 2017	$ 2,413	$ 3,655	$ 15,442	$ 1,711	$ 4,365	$ 8,947	$ 36,533

Balance January 1, 2017	$ 2,322	$ 5,486	$ 15,938	$ 2,284	$ 3,015	$ 8,355	$ 37,400
Provision (benefit) charged to expense	122	(1,898)	770	(223)	1,224	4,205	4,200
Losses charged off	(76)	(2)	(1,292)	(387)	(275)	(5,968)	(8,000)
Recoveries	45	69	26	37	401	2,355	2,933
Balance June 30, 2017	$ 2,413	$ 3,655	$ 15,442	$ 1,711	$ 4,365	$ 8,947	$ 36,533

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, 2017:

	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	$ 513	$ —	$ 599	$ —	$ 2,140	$ 699	$ 3,951
Collectively evaluated for
impairment	$ 1,564	$ 2,813	$ 17,843	$ 1,690	$ 1,369	$ 6,802	$ 32,081
Loans acquired and
accounted for under ASC
310-30	$ 31	$ 26	$ 197	$ 77	$ 72	$ 57	$ 460

Loans
Individually evaluated for
impairment	$ 6,950	$ 2,907	$ 8,315	$ 15	$ 3,018	$ 4,129	$ 25,334
Collectively evaluated for
impairment	$ 341,888	$ 742,738	$ 1,227,014	$ 1,112,308	$ 372,192	$ 531,820	$ 4,327,960
Loans acquired and
accounted for under ASC
310-30	$ 120,295	$ 14,877	$ 39,210	$ 3,806	$ 5,275	$ 26,206	$ 209,669