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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
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Dec. 31, 2012
Tables/Schedules |
Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods |
| At period end for the six months ended
| December 31, 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 | 290,255 | (90,913) | 815,427 | 44,680 | 13,257 | - | 1,072,706
Losses charged off | (203,242) | - | (417,071) | (8,589) | (29,466) | - | (658,368)
Recoveries | 224 | - | 4,462 | 6,698 | 2,425 | - | 13,809
Balance, end of period | $1,722,583 | $152,256 | $3,388,656 | $526,386 | $2,130,320 | $- | $7,920,201
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $100,000 | $- | $- | $- | $100,000
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $1,722,583 | $152,256 | $3,288,656 | $526,386 | $1,620,333 | $- | $7,310,214
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $- | $- | $- | $- | $509,987 | $- | $509,987
Loans: |  |  |  |  |  |  |
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $165,144 | $- | $- | $- | $165,144
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $224,220,783 | $12,708,780 | $233,397,723 | $28,187,249 | $123,862,663 | $- | $622,377,198
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $1,680,910 | $- | $1,648,101 | $- | $1,300,444 | $- | $4,629,455
| For the three months ended
| December 31, 2012
| Conventional | Construction | Commercial |  |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Unallocated | Total
Allowance for loan losses: |  |  |  |  |  |  |
Balance, beginning of period | $1,714,363 | $191,784 | $3,456,760 | $522,655 | $2,195,276 | $- | $8,080,838
Provision charged to expense | 197,478 | (39,528) | 344,852 | (683) | (40,102) | - | 462,017
Losses charged off | (189,370) | - | (416,843) | - | (26,223) | - | (632,436)
Recoveries | 112 | - | 3,887 | 4,414 | 1,369 | - | 9,782
Balance, end of period | $1,722,583 | $152,256 | $3,388,656 | $526,386 | $2,130,320 | $- | $7,920,201
| For the six months ended
| December 31, 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 | 304,647 | (10,192) | 3,743 | 214,197 | 349,722 | - | 862,116
Losses charged off | (91,369) | - | (24,824) | (127,767) | (33,625) | - | (277,585)
Recoveries | 6,551 | 460 | 430 | 7,143 | 9,024 | - | 23,608
Balance, end of period | $1,838,114 | $183,020 | $2,650,831 | $534,780 | $1,839,846 | $- | $7,046,590
Ending Balance: individually |  |  |  |  |  |  |
evaluated for impairment | $- | $- | $100,000 | $- | $- | $- | $100,000
Ending Balance: collectively |  |  |  |  |  |  |
evaluated for impairment | $1,838,114 | $183,020 | $2,409,101 | $534,780 | $1,817,931 | $- | $6,782,945
Ending Balance: loans acquired |  |  |  |  |  |  |
with deteriorated credit quality | $- | $- | $141,730 | $- | $21,915 | $- | $163,645
| For three months ended
| December 31, 2011
| Conventional | Construction | Commercial |  |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Unallocated | Total
Allowance for loan losses: |  |  |  |  |  |  |
Balance, beginning of period | $1,711,466 | $375,531 | $2,256,971 | $520,918 | $1,887,175 | $- | $6,752,061
Provision charged to expense | 139,154 | (192,511) | 393,202 | 39,471 | (33,883) | - | 345,433
Losses charged off | (14,452) | - | - | (31,161) | (22,470) | - | (68,083)
Recoveries | 1,946 | - | 658 | 5,551 | 9,024 | - | 17,179
Balance, end of period | $1,838,114 | $183,020 | $2,650,831 | $534,780 | $1,839,846 | $- | $7,046,590
| June 30, 2012
| Residential | 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 | $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

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