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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, 2013
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, 2013
| Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $1,809,975 | $272,662 | $3,602,542 | $471,666 | $2,229,135 | $8,385,980
Provision charged to expense | 160,771 | 17,182 | 196,404 | 30,062 | 95,101 | 499,520
Losses charged off | (14,086) | - | (61,301) | (7,936) | (13,266) | (96,589)
Recoveries | 752 | - | 345 | 4,079 | 733 | 5,909
Balance, end of period | $1,957,412 | $289,844 | $3,737,990 | $497,871 | $2,311,703 | $8,794,820
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $1,957,412 | $289,844 | $3,737,990 | $497,871 | $1,886,017 | $8,369,134
Ending Balance: loans acquired with deteriorated credit quality | $- | $- | $- | $- | $425,686 | $425,686
Loans: |  |  |  |  |  |
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $242,586,579 | $17,555,461 | $245,522,820 | $29,660,949 | $147,700,124 | $683,025,933
Ending Balance: loans acquired with deteriorated credit quality | $1,726,646 | $- | $1,285,213 | $- | $859,371 | $3,871,230
| For the three months ended
| September 30, 2012
| Residential | Construction | Commercial |  |  |
| 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 | 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
| June 30, 2013
| Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
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

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