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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods (Tables) | 3 Months Ended
--- | ---
Sep. 30, 2012
Tables/Schedules |
Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods |
| At period end for the three months ended
| September 30, 2012
| Conventional | Construction | Commercial |  |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Unallocated | Total
Allowance for loan losses: |  |  |  |  |  |  |
Balance, beginning of period | $1,635,346 | $243,169 | $2,985,838 | $483,597 | $2,144,104 | $- | $7,492,054
Provision charged to expense | 92,776 | (51,385) | 469,519 | 45,363 | 54,416 | - | 610,689
Losses charged off | (13,872) | - | (227) | (8,589) | (3,244) | - | (25,932)
Recoveries | 113 | - | 1,630 | 2,284 | - | - | 4,027
Balance, end of period | $1,714,363 | $191,784 | $3,456,760 | $522,655 | $2,195,276 | $- | $8,080,838
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $347,815 | $- | $- | $- | $347,815
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $1,714,363 | $191,784 | $3,097,996 | $522,655 | $1,685,289 | $- | $7,212,087
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $- | $- | $10,949 | $- | $509,987 | $- | $520,936
Loans: |  |  |  |  |  |  |
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $963,384 | $- | $- | $- | $963,384
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $205,329,331 | $18,878,460 | $219,261,405 | $28,349,963 | $139,241,974 | $- | $611,061,133
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $1,586,935 | $- | $1,687,453 | $- | $1,311,286 | $- | $4,585,674
| For three months ended
| September 30, 2011
| Conventional | Construction | Commercial |  |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Unallocated | Total
Allowance for loan losses: |  |  |  |  |  |  |
Balance, beginning of period | $1,618,285 | $192,752 | $2,671,482 | $441,207 | $1,514,725 | $- | $6,438,451
Provision charged to expense | 165,494 | 182,546 | (389,686) | 174,723 | 383,606 | - | 516,683
Losses charged off | (76,918) | - | (24,825) | (96,604) | (11,156) | - | (209,503)
Recoveries | 4,605 | 233 | - | 1,592 | - | - | 6,430
Balance, end of period | $1,711,466 | $375,531 | $2,256,971 | $520,918 | $1,887,175 | $- | $6,752,061
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $109,481 | $- | $- | $- | $109,481
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $1,711,466 | $375,531 | $2,024,010 | $520,918 | $1,775,054 | $- | $6,406,979
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $- | $- | $123,480 | $- | $112,121 | $- | $235,601
| June 30, 2012
| Conventional | Construction | Commercial |  |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Unallocated | Total
Allowance for loan losses: |  |  |  |  |  |  |
Balance, end of period | $1,635,346 | $243,169 | $2,985,838 | $483,597 | $2,144,104 | $- | $7,492,054
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $347,815 | $- | $- | $- | $347,815
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $1,635,346 | $243,169 | $2,632,679 | $483,597 | $1,767,967 | $- | $6,762,758
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $- | $- | $5,344 | $- | $376,137 | $- | $381,481
Loans: |  |  |  |  |  |  |
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $976,881 | $- | $- | $- | $976,881
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $205,418,257 | $18,878,460 | $219,251,243 | $28,349,963 | $139,198,551 | $- | $611,096,474
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $1,498,009 | $- | $1,684,118 | $- | $1,354,709 | $- | $4,536,836

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