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Note 3: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment (Tables) | 12 Months Ended
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Jun. 30, 2014
Tables/Schedules |
Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment | The following tables present the balance in the allowance for loan losses and the recorded investment in loans (excluding loans in process and deferred loan fees) based on portfolio segment and impairment methods as of June 30, 2014 and 2013, and activity in the allowance for loan losses for the fiscal years ended June 30, 2014, 2013, and 2012.
| Residential | Construction | Commercial |  |  |
June 30, 2014 | 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 | 804,560 | 82,817 | 635,193 | 88,579 | 34,470 | 1,645,619
Losses charged off | (168,912) | - | (95,623) | (58,695) | (578,537) | (901,767)
Recoveries | 15,892 | - | 960 | 17,526 | 95,087 | 129,465
Balance, end of period | $2,461,515 | $355,479 | $4,143,072 | $519,076 | $1,780,155 | $9,259,297
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $2,461,515 | $355,479 | $4,143,072 | $519,076 | $1,780,155 | $9,259,297
Ending Balance: loans acquired with deteriorated credit quality | $- | $- | $- | $- | $- | $-
Loans: |  |  |  |  |  |
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $302,111,542 | $21,476,875 | $307,253,137 | $35,222,764 | $140,956,945 | $807,021,263
Ending Balance: loans acquired with deteriorated credit quality | $1,789,895 | $- | $1,266,856 | $- | $115,481 | $3,172,232
| 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

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