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Note 3: Loans and Allowance For Loan Losses: Schedule of Valuation Allowance for Impairment of Recognized Servicing Assets (Tables) | 12 Months Ended
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Jun. 30, 2013
Tables/Schedules |
Schedule of Valuation Allowance for Impairment of Recognized Servicing Assets |
| Residential | Construction | Commercial |  |  |
June 30, 2013 | Real Estate | Real Estate | Real Estate | Consumer | Commercial | 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 | 472,183 | 64,481 | 1,033,791 | 19,437 | 126,158 | 1,716,050
Losses charged off | (301,836) | (35,351) | (422,071) | (47,106) | (49,431) | (855,795)
Recoveries | 4,282 | 363 | 4,984 | 15,738 | 8,304 | 33,671
Balance, end of period | $1,809,975 | $272,662 | $3,602,542 | $471,666 | $2,229,135 | $8,385,980
Ending Balance: individually evaluated for impairment | $- | $- | $85,000 | $- | $- | $85,000
Ending Balance: collectively evaluated for impairment | $1,809,975 | $272,662 | $3,517,542 | $471,666 | $1,671,646 | $7,743,491
Ending Balance: loans acquired with deteriorated credit quality | $- | $- | $- | $- | $557,489 | $557,489
Loans: |  |  |  |  |  |
Ending Balance: individually evaluated for impairment | $- | $- | $144,328 | $- | $- | $144,328
Ending Balance: collectively evaluated for impairment | $232,186,722 | $19,932,817 | $240,888,891 | $28,414,878 | $129,735,511 | $651,158,819
Ending Balance: loans acquired with deteriorated credit quality | $1,701,720 | $- | $1,270,703 | $- | $1,132,973 | $4,105,396
| Residential | Construction | Commercial |  |  |
June 30, 2012 | Real Estate | Real Estate | Real Estate | Consumer | Commercial | 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 | 108,318 | 49,276 | 354,814 | 223,046 | 1,049,261 | 1,784,715
Losses charged off | (98,189) | - | (40,888) | (195,311) | (435,770) | (770,158)
Recoveries | 6,932 | 1,141 | 430 | 14,655 | 15,888 | 39,046
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 | $199,514,689 | $22,811,575 | $198,296,430 | $28,985,905 | $135,649,513 | $585,258,112
Ending Balance: loans acquired with deteriorated credit quality | $1,498,009 | $- | $1,684,118 | $- | $1,354,709 | $4,536,836
| Residential | Construction | Commercial |  |  |
June 30, 2011 | Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $902,122 | $198,027 | $1,605,218 | $473,064 | $1,330,180 | $4,508,611
Provision charged to expense | 871,114 | 127,312 | 1,125,231 | 15,761 | 245,381 | 2,384,799
Losses charged off | (157,587) | (157,711) | (59,955) | (66,250) | (67,488) | (508,991)
Recoveries | 2,636 | 25,124 | 988 | 18,632 | 6,652 | 54,032
Balance, end of period | $1,618,285 | $192,752 | $2,671,482 | $441,207 | $1,514,725 | $6,438,451

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- Definition Tabular disclosure of the activity by class in any valuation allowance for impairment of recognized servicing assets - including beginning and ending balances, aggregate additions charged and recoveries credited to operations, and aggregate write-downs charged against allowance. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 860 -SubTopic 50 -Section 50 -Paragraph 4 -Subparagraph (e) -URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746 + Details
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