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

3 Months Ended

Sep. 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 nine months ended September 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 September 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, July 1, 2019	$        3,803	$       3,753	$        22,367	$         3,479	$       1,678	$      4,174	$        39,254
Provision (benefit) charged to expense	(232)	566	2,246	(571)	(341)	282	1,950
Losses charged off	(1)	—	—	(46)	(211)	(1,419)	(1,677)
Recoveries	61	—	13	20	100	685	879
Balance, September 30, 2019	$        3,631	$       4,319	$        24,626	$         2,882	$       1,226	$      3,722	$        40,406
Balance, January 1, 2019	$        3,122	$       4,713	$        19,803	$         3,105	$       1,568	$      6,098	$        38,409
Provision (benefit) charged to expense	931	(394)	4,791	3	(431)	600	5,500
Losses charged off	(518)	—	(7)	(266)	(310)	(5,324)	(6,425)
Recoveries	96	—	39	40	399	2,348	2,922
Balance, September 30, 2019	$        3,631	$       4,319	$        24,626	$         2,882	$       1,226	$      3,722	$        40,406
Ending balance:
Individually evaluated for
impairment	$           224	$            —	$             569	$              —	$            14	$         127	$             934
Collectively evaluated for
impairment	$        3,315	$       4,236	$        23,735	$         2,747	$       1,174	$      3,572	$        38,779
Loans acquired and
accounted for under
ASC 310-30	$             92	$            83	$             322	$            135	$            38	$           23	$             693
Loans
Individually evaluated for
impairment	$        3,106	$            —	$          4,285	$              83	$       1,299	$      1,722	$        10,495
Collectively evaluated for
impairment	$    515,760	$   841,087	$   1,490,336	$  1,374,643	$   317,284	$  341,316	$   4,880,426
Loans acquired and
accounted for under
ASC 310-30	$      79,892	$     11,349	$        30,772	$         4,069	$       3,777	$    12,240	$      142,099

The following table presents the activity in the allowance for loan losses by portfolio segment for the three and nine months ended September 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 July 1, 2018	$        2,727	$       3,845	$        19,474	$         2,395	$       2,991	$      6,124	$  37,556
Provision (benefit) charged to expense	7	341	708	538	(1,019)	725	1,300
Losses charged off	(18)	(194)	—	(4)	(274)	(2,128)	(2,618)
Recoveries	79	41	1	97	80	961	1,259
Balance September 30, 2018	$        2,795	$       4,033	$        20,183	$         3,026	$       1,778	$      5,682	$  37,497
Balance January 1, 2018	$        2,108	$       2,839	$        18,639	$         1,767	$       3,581	$      7,558	$  36,492
Provision (benefit) charged to expense	494	1,310	1,519	1,009	(991)	1,859	5,200
Losses charged off	(59)	(525)	(102)	(87)	(1,155)	(7,062)	(8,990)
Recoveries	252	409	127	337	343	3,327	4,795
Balance September 30, 2018	$        2,795	$       4,033	$        20,183	$         3,026	$       1,778	$      5,682	$  37,497

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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