Allowance for Loan Losses (Tables)

12 Months Ended

Jun. 30, 2020

Allowance for Loan Losses

Schedule of allowance for loan losses and recorded investment

	June 30, 2020
	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 7/1/19	$	4,319	$	67,593	$	26,630	$	109,870	$	61,193	$	738,366	$	70,058	$	215,936	$	1,293,965
Charge-offs		—		(57,572)		—		—		—		—		(45,157)		—		(102,729)
Recoveries		—		5,155		—		—		—		—		22,036		—		27,191
Provision		9,476		341,258		50,590		176,795		34,518		(425,696)		50,375		(102,316)		135,000
Balance at 6/30/20	$	13,795	$	356,434	$	77,220	$	286,665	$	95,711	$	312,670	$	97,312	$	113,620	$	1,353,427
Allowance
Ending balance individually evaluated for impairment	$	—	$	64,780	$	—	$	—	$	79,351	$	—	$	61,792	$	—	$	205,923
Ending balance collectively evaluated for impairment		13,795		291,654		77,220		286,665		16,360		312,670		35,520		113,620		1,147,504
Ending balance	$	13,795	$	356,434	$	77,220	$	286,665	$	95,711	$	312,670	$	97,312	$	113,620	$	1,353,427
Loans
Ending balance individually evaluated for impairment	$	—	$	965,734	$	57,574	$	—	$	189,249	$	—	$	128,617	$	—	$	1,341,174
Ending balance collectively evaluated for impairment		4,598,382		99,540,577		21,156,106		76,444,156		6,543,934		20,237,534		8,792,042		—		237,312,731
Total loans	$	4,598,382	$	100,506,311	$	21,213,680	$	76,444,156	$	6,733,183	$	20,237,534	$	8,920,659	$	—	$	238,653,905
Less allowance	$	13,795	$	356,434	$	77,220	$	286,665	$	95,711	$	312,670	$	97,312	$	113,620	$	1,353,427
Total loans, net	$	4,584,587	$	100,149,877	$	21,136,460	$	76,157,491	$	6,637,472	$	19,924,864	$	8,823,347	$	(113,620)	$	237,300,478

	June 30, 2019
	Construction,		1-4 Family		1-4 Family				Commercial		Commercial				Not
	Land,		Owner		Non-Owner				Owner-		Non-Owner				Specifically
	Development		Occupied		Occupied		Multifamily		Occupied		Occupied		Consumer		Allocated		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