Allowance for Loan Losses (Tables)

12 Months Ended

Jun. 30, 2019

Allowance for Loan Losses

Schedule of allowance for loan losses and recorded investment

	June 30, 2019
	Construction,		1-4 Family		1-4 Family				Commercial		Commercial
	Land,		Owner		Non-Owner				Owner		Non-Owner
	Development		Occupied		Occupied		Multifamily		Occupied		Occupied		Consumer		Unallocated		Total
Allowance
Balance at 7/1/18	$	4,758	$	7,300	$	71,053	$	71,101	$	131,906	$	925,355	$	98,096	$	14,590	$	1,324,159
Charge-offs		—		—		(44,534)		—		—		—		(15,809)		—		(60,343)
Recoveries		—		28,735		—		—		—		—		1,414		—		30,149
Provision		(439)		31,558		111		38,769		(70,713)		(186,989)		(13,643)		201,346		—
Balance at 6/30/19	$	4,319	$	67,593	$	26,630	$	109,870	$	61,193	$	738,366	$	70,058	$	215,936	$	1,293,965
Allowance
Ending balance individually evaluated for impairment	$	—	$	5,772	$	—	$	—	$	44,564	$	—	$	52,979	$	—	$	103,315
Ending balance collectively evaluated for impairment		4,319		61,821		26,630		109,870		16,629		738,366		17,079		215,936		1,190,650
Ending balance	$	4,319	$	67,593	$	26,630	$	109,870	$	61,193	$	738,366	$	70,058	$	215,936	$	1,293,965
Loans
Ending balance individually evaluated for impairment	$	—	$	1,203,256	$	—	$	—	$	193,601	$	—	$	128,011	$	—	$	1,524,868
Ending balance collectively evaluated for impairment		4,318,845		123,642,066		20,968,812		73,246,392		8,314,410		19,502,545		9,649,430		—		259,642,500
Total loans	$	4,318,845	$	124,845,322	$	20,968,812	$	73,246,392	$	8,508,011	$	19,502,545	$	9,777,441	$	—	$	261,167,368
Less allowance	$	4,319	$	67,593	$	26,630	$	109,870	$	61,193	$	738,366	$	70,058	$	215,936	$	1,293,965
Total loans, net	$	4,314,526	$	124,777,729	$	20,942,182	$	73,136,522	$	8,446,818	$	18,764,179	$	9,707,383	$	(215,936)	$	259,873,403

	June 30, 2018
	Construction,		1-4 Family		1-4 Family				Commercial		Commercial
	Land,		Owner		Non-Owner				Owner		Non-Owner
	Development		Occupied		Occupied		Multifamily		Occupied		Occupied		Consumer		Unallocated		Total
Allowance
Balance at 10/1/17	$	83,955	$	53,630	$	121,274	$	60,883	$	161,819	$	799,632	$	164,440	$	433,671	$	1,879,304
Charge-offs		—		(54,345)		—		—		—		(979,468)		(1,363)		—		(1,035,176)
Recoveries		30,064		18,007		1,400		—		—		4,000		1,560		—		55,031
Provision		(109,261)		(9,992)		(51,621)		10,218		(29,913)		1,101,191		(66,541)		(419,081)		425,000
Balance at 6/30/18	$	4,758	$	7,300	$	71,053	$	71,101	$	131,906	$	925,355	$	98,096	$	14,590	$	1,324,159
Allowance
Ending balance individually evaluated for impairment	$	—	$	—	$	35,678	$	—	$	117,600	$	—	$	62,687	$	—	$	215,965
Ending balance collectively evaluated for impairment		4,758		7,300		35,375		71,101		14,306		925,355		35,409		14,590		1,108,194
Ending balance	$	4,758	$	7,300	$	71,053	$	71,101	$	131,906	$	925,355	$	98,096	$	14,590	$	1,324,159
Loans
Ending balance individually evaluated for impairment	$	87,371	$	924,135	$	95,214	$	—	$	198,829	$	—	$	138,855	$	—	$	1,444,404
Ending balance collectively evaluated for impairment		4,758,001		121,674,827		23,741,661		71,100,731		7,152,762		24,211,269		11,239,304		—		263,878,555
Total loans	$	4,845,372	$	122,598,962	$	23,836,875	$	71,100,731	$	7,351,591	$	24,211,269	$	11,378,159	$	—	$	265,322,959
Less allowance	$	4,758	$	7,300	$	71,053	$	71,101	$	131,906	$	925,355	$	98,096	$	14,590	$	1,324,159
Total loans, net	$	4,840,614	$	122,591,662	$	23,765,822	$	71,029,630	$	7,219,685	$	23,285,914	$	11,280,063	$	(14,590)	$	263,998,800