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NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Financing Receivable, Allowance for Credit Loss (Tables)

6 Months Ended

Jun. 30, 2019

Tables/Schedules

Financing Receivable, Allowance for Credit Loss

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and six months ended June 30, 2019.  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, 2019:

	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, 2019	$        3,036	$       5,436	$        20,981	$         2,515	$       1,484	$      5,199	$        38,651
Provision (benefit) charged to expense	805	(1,683)	1,382	1,145	62	(111)	1,600
Losses charged off	(62)	—	(7)	(189)	(25)	(1,699)	(1,982)
Recoveries	24	—	11	8	157	785	985
Balance, June 30, 2019	$        3,803	$       3,753	$        22,367	$         3,479	$       1,678	$      4,174	$        39,254
Balance, January 1, 2019	$        3,122	$       4,713	$        19,803	$         3,105	$       1,568	$      6,098	$        38,409
Provision (benefit) charged to expense	1,163	(960)	2,545	574	(90)	318	3,550
Losses charged off	(517)	—	(7)	(220)	(99)	(3,905)	(4,748)
Recoveries	35	—	26	20	299	1,663	2,043
Balance, June 30, 2019	$        3,803	$       3,753	$        22,367	$         3,479	$       1,678	$      4,174	$        39,254
Ending balance:
Individually evaluated for
impairment	$           237	$            —	$             555	$              —	$          470	$         155	$          1,417
Collectively evaluated for
impairment	$        3,490	$       3,720	$        21,645	$         3,290	$       1,195	$      3,992	$        37,332
Loans acquired and
accounted for under
ASC 310-30	$             76	$            33	$             167	$            189	$            13	$           27	$             505
Loans acquired and
accounted for under
ASC 310-30	$             76	$            33	$             167	$            189	$            13	$           27	$             505
Loans
Individually evaluated for
impairment	$        3,182	$            —	$          7,809	$         3,556	$       1,451	$      1,821	$        17,819
Collectively evaluated for
impairment	$    485,111	$   796,341	$   1,438,357	$  1,433,634	$   325,157	$  371,419	$   4,850,019
Loans acquired and
accounted for under
ASC 310-30	$      84,909	$     12,448	$        31,083	$         4,739	$       3,674	$    14,841	$      151,694

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:

	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

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, 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
Individually evaluated for
impairment	$            694	$             —	$            613	$               —	$           309	$          425	$         2,041
Collectively evaluated for
impairment	$         2,392	$        4,681	$       18,958	$          3,029	$        1,247	$       5,640	$       35,947
Loans acquired and
accounted for under
ASC 310-30	$              36	$             32	$            232	$               76	$             12	$            33	$            421
Loans
Individually evaluated for
impairment	$         6,116	$             —	$         3,501	$               14	$        1,844	$       2,464	$       13,939
Collectively evaluated for
impairment	$     433,209	$    784,894	$  1,367,934	$   1,461,644	$    334,214	$   429,766	$  4,811,661
Loans acquired and
accounted for under
ASC 310-30	$       93,841	$      12,790	$       33,620	$          4,093	$        4,347	$     18,960	$     167,651

X

- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-URI http://asc.fasb.org/extlink&oid=118936363&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=119407570&loc=SL82919249-210447

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X

- References

No definition available.

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