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Note 4: Loans and Allowance For Loan Losses: Schedule of balance in the allowance for loan losses and recorded investment (Tables)

9 Months Ended

Mar. 31, 2016

Tables/Schedules

Schedule of balance in the allowance for loan losses and recorded investment

	At period end and for the nine months ended March 31, 2016
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$2,819	$899	$4,956	$758	$2,866	$12,298
Provision charged to expense	534	257	572	120	194	1,677
Losses charged off	(99)	-	(77)	(72)	(100)	(348)
Recoveries	4	-	46	6	10	66
Balance, end of period	$3,258	$1,156	$5,497	$812	$2,970	$13,693
Ending Balance: individually evaluated for impairment	$-	$-	$-	$-	$312	$312
Ending Balance: collectively evaluated for impairment	$3,258	$1,156	$5,497	$812	$2,658	$13,381
Ending Balance: loans acquired with deteriorated credit quality	$-	$-	$-	$-	$-	$-

Loans:
Ending Balance: individually evaluated for impairment	$-	$-	$-	$-	$625	$625
Ending Balance: collectively evaluated for impairment	$387,915	$58,211	$419,281	$46,425	$179,993	$1,091,825
Ending Balance: loans acquired with deteriorated credit quality	$3,046	$1,414	$10,435	$-	$1,044	$15,939

	For the three months ended March 31, 2016
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$3,207	$1,046	$5,249	$786	$2,884	$13,172
Provision charged to expense	59	110	248	60	86	563
Losses charged off	(9)	-	-	(38)	-	(47)
Recoveries	1	-	-	4	-	5
Balance, end of period	$3,258	$1,156	$5,497	$812	$2,970	$13,693

	At period end and for the nine months ended March 31, 2015
	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
(dollars in thousands)
Allowance for loan losses:
Balance, beginning of period	$2,462	$355	$4,143	$519	$1,780	$9,259
Provision charged to expense	286	511	698	216	815	2,526
Losses charged off	(24)	-	(9)	(54)	(40)	(127)
Recoveries	10	-	40	32	3	85
Balance, end of period	$2,734	$866	$4,872	$713	$2,558	$11,743
Ending Balance: individually evaluated for impairment	$-	$-	$-	$59	$-	$59
Ending Balance: collectively evaluated for impairment	$2,734	$866	$4,872	$654	$2,558	$11,684
Ending Balance: loans acquired with deteriorated credit quality	$-	$-	$-	$-	$-	$-

	For the three months ended March 31, 2015
(dollars in thousands)	Residential	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$2,800	$561	$4,564	$736	$2,297	$10,958
Provision charged to expense	(54)	305	316	(12)	282	837
Losses charged off	(13)	-	(8)	(16)	(21)	(58)
Recoveries	1	-	-	5	-	6
Balance, end of period	$2,734	$866	$4,872	$713	$2,558	$11,743

	June 30, 2015
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, end of period	$2,819	$899	$4,956	$758	$2,866	$12,298
Ending Balance: individually evaluated for impairment	$-	$-	$-	$-	$160	$160
Ending Balance: collectively evaluated for impairment	$2,819	$899	$4,956	$758	$2,706	$12,138
Ending Balance: loans acquired with deteriorated credit quality	$-	$-	$-	$-	$-	$-

Loans:
Ending Balance: individually evaluated for impairment	$-	$-	$-	$-	$675	$675
Ending Balance: collectively evaluated for impairment	$374,186	$42,655	$394,028	$46,560	$190,128	$1,047,557
Ending Balance: loans acquired with deteriorated credit quality	$3,279	$1,861	$10,692	$210	$1,083	$17,125