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Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment (Tables) | 3 Months Ended
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Dec. 31, 2014
Tables/Schedules |
Schedule of Allowance for Loan Losses and Recorded Investment | 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 December 31 and June 30, 2014, and activity in the allowance for loan losses for the three- and six-month periods ended December 31, 2014 and 2013:
| At period end for the six months ended December 31, 2014
(dollars in thousands) | Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $2,462 | $355 | $4,143 | $519 | $1,780 | $9,259
Provision charged to expense | 340 | 206 | 381 | 229 | 533 | 1,689
Losses charged off | (11) | - | - | (38) | (19) | (68)
Recoveries | 9 | - | 40 | 26 | 3 | 78
Balance, end of period | $2,800 | $561 | $4,564 | $736 | $2,297 | $10,958
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $2,800 | $561 | $4,564 | $736 | $2,297 | $10,958
Ending Balance: loans acquired with deteriorated credit quality | $- | $- | $- | $- | $- | $-
Loans: |  |  |  |  |  |
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $370,099 | $32,238 | $384,545 | $48,142 | $170,294 | $1,005,318
Ending Balance: loans acquired with deteriorated credit quality | $4,077 | $2,523 | $12,128 | $195 | $1,106 | $20,029
| For the three months ended December 31, 2014
(dollars in thousands) | Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $2,676 | $517 | $4,175 | $570 | $2,172 | $10,110
Provision charged to expense | 123 | 44 | 367 | 185 | 143 | 862
Losses charged off | - | - | - | (20) | (18) | (38)
Recoveries | 1 | - | 22 | 1 | - | 24
Balance, end of period | $2,800 | $561 | $4,564 | $736 | $2,297 | $10,958
| At period end for the six months ended December 31, 2013
(dollars in thousands) | Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $1,810 | $273 | $3,603 | $471 | $2,229 | $8,386
Provision charged to expense | 330 | 151 | 253 | 31 | 29 | 794
Losses charged off | (23) | - | (70) | (17) | (13) | (123)
Recoveries | 14 | - | 1 | 11 | 1 | 27
Balance, end of period | $2,131 | $424 | $3,787 | $496 | $2,246 | $9,084
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $2,131 | $424 | $3,787 | $496 | $1,746 | $8,584
Ending Balance: loans acquired with deteriorated credit quality | $- | $- | $- | $- | $500 | $500
| For the three months ended December 31, 2013
(dollars in thousands) | Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, beginning of period | $1,957 | $290 | $3,738 | $498 | $2,311 | $8,794
Provision charged to expense | 170 | 134 | 57 | 1 | (66) | 296
Losses charged off | (9) | - | (8) | (9) | - | (26)
Recoveries | 13 | - | - | 6 | 1 | 20
Balance, end of period | $2,131 | $424 | $3,787 | $496 | $2,246 | $9,084
| June 30, 2014
(dollars in thousands) | Residential | Construction | Commercial |  |  |
| Real Estate | Real Estate | Real Estate | Consumer | Commercial | Total
Allowance for loan losses: |  |  |  |  |  |
Balance, end of period | $2,462 | $355 | $4,143 | $519 | $1,780 | $9,259
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $2,462 | $355 | $4,143 | $519 | $1,780 | $9,259
Ending Balance: loans acquired with deteriorated credit quality | $- | $- | $- | $- | $- | $-
Loans: |  |  |  |  |  |
Ending Balance: individually evaluated for impairment | $- | $- | $- | $- | $- | $-
Ending Balance: collectively evaluated for impairment | $302,111 | $21,477 | $307,253 | $35,223 | $140,957 | $807,021
Ending Balance: loans acquired with deteriorated credit quality | $1,790 | $- | $1,267 | $- | $115 | $3,172

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