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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment (Tables) | 6 Months Ended
--- | ---
Dec. 31, 2013
Tables/Schedules |
Schedule of Allowance for Loan Losses and Recorded Investment |
| At period end for the six months ended December 31, 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 | 330,429 | 151,322 | 253,085 | 30,653 | 28,802 | 794,290
Losses charged off | (23,062) | - | (69,457) | (17,066) | (13,266) | (122,851)
Recoveries | 14,090 | - | 686 | 10,881 | 1,828 | 27,485
Balance, end of period | $2,131,432 | $423,984 | $3,786,856 | $496,134 | $2,246,499 | $9,084,904
Ending Balance: individually |  |  |  |  |  |
evaluated for impairment | -- | -- | -- | -- | -- | --
Ending Balance: collectively |  |  |  |  |  |
evaluated for impairment | $2,131,432 | $423,984 | $3,786,856 | $496,134 | $1,746,499 | $8,584,904
Ending Balance: loans acquired |  |  |  |  |  |
with deteriorated credit quality | -- | -- | -- | -- | $500,000 | $500,000
Loans: |  |  |  |  |  |
Ending Balance: individually |  |  |  |  |  |
evaluated for impairment | -- | -- | -- | -- | -- | --
Ending Balance: collectively |  |  |  |  |  |
evaluated for impairment | $281,623,511 | $23,115,180 | $284,175,920 | $32,106,430 | $132,788,982 | $753,810,023
Ending Balance: loans acquired |  |  |  |  |  |
with deteriorated credit quality | $1,726,646 | -- | $1,285,213 | -- | $859,371 | $3,871,230
| For the three months ended December 31, 2013
| Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $1,957,412 | $289,844 | $3,737,990 | $497,871 | $2,311,703 | $8,794,820
Provision charged to expense | 169,658 | 134,140 | 56,680 | 591 | (66,299) | 294,770
Losses charged off | (8,976) | -- | (8,156) | (9,130) | -- | (26,262)
Recoveries | 13,338 | -- | 341 | 6,802 | 1,095 | 21,576
Balance, end of period | $2,131,432 | $423,984 | $3,786,856 | $496,134 | $2,246,499 | $9,084,904
| At period end for the six months ended December 31, 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 | 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
| For the three months ended December 31, 2012
| Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | 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
| 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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