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Note 3: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment (Tables)
 12 Months Ended
Dec. 31, 2013
Tables/Schedules  
Schedule of Balance in Allowance for Loan Losses Based on Portfolio Segment and Impairment

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2013, 2012 and 2011.  Also presented are the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2013, 2012 and 2011:

 

 

One- to Four-

 

 

 

 

 

 

 

Family

 

 

 

 

 

 

 

Residential

 

 

 

 

 

 

 

and

Other

Commercial

Commercial

Commercial

 

 

 

Construction

Residential

Real Estate

Construction

Business

Consumer

Total

(In Thousands)

 

 

 

 

 

 

 

Allowance for Loan Losses

 

 

 

 

 

 

 

Balance, January 1, 2013

$6,822

$4,327

$17,441

$3,938

$5,096

$3,025

$40,649

  Provision charged to expense

1,496

1,556

6,922

1,142

4,404

1,866

17,386

  Losses charged off

(2,196)

(3,248)

(9,836)

(788)

(4,072)

(3,312)

(23,452)

  Recoveries

113

43

2,412

172

1,023

1,770

5,533

 

 

 

 

 

 

 

 

Balance,

 

 

 

 

 

 

 

  December 31, 2013

$6,235

$2,678

$16,939

$4,464

$6,451

$3,349

$40,116

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

  Individually evaluated

 

 

 

 

 

 

 

    for impairment

$2,501

$--

$90

$473

$4,162

$218

$7,444

  Collectively evaluated

 

 

 

 

 

 

 

    for impairment

$3,734

$2,678

$16,845

$3,991

$2,287

$3,131

$32,666

  Loans acquired and

 

 

 

 

 

 

 

    accounted for under

 

 

 

 

 

 

 

    ASC 310-30

$--

$--

$4

$--

$2

$--

$6

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

  Individually evaluated

 

 

 

 

 

 

 

    for impairment

$13,055

$10,983

$31,591

$12,628

$8,755

$1,389

$78,401

  Collectively evaluated

 

 

 

 

 

 

 

    for impairment

$297,057

$314,616

$791,329

$229,232

$306,514

$273,871

$2,212,619

  Loans acquired and

 

 

 

 

 

 

 

    accounted for under

 

 

 

 

 

 

 

    ASC 310-30

$206,964

$35,095

$84,591

$6,989

$4,883

$47,642

$386,164

 

 

One- to Four-

 

 

 

 

 

 

 

Family

 

 

 

 

 

 

 

Residential

 

 

 

 

 

 

 

and

Other

Commercial

Commercial

Commercial

 

 

 

Construction

Residential

Real Estate

Construction

Business

Consumer

Total

(In Thousands)

 

 

 

 

 

 

 

Allowance for Loan Losses

 

 

 

 

 

 

 

Balance, January 1, 2012

$11,424

$3,088

$18,390

$2,982

$2,974

$2,374

$41,232

  Provision charged to expense

(1,626)

4,471

16,360

18,101

4,897

1,660

43,863

  Losses charged off

(3,203)

(3,579)

(18,010)

(18,027)

(3,082)

(2,390)

(48,291)

  Recoveries

227

347

701

882

307

1,381

3,845

 

 

 

 

 

 

 

 

Balance,

 

 

 

 

 

 

 

  December 31, 2012

$6,822

$4,327

$17,441

$3,938

$5,096

$3,025

$40,649

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

  Individually evaluated

 

 

 

 

 

 

 

    for impairment

$2,288

$1,089

$4,990

$96

$2,778

$156

$11,397

  Collectively evaluated

 

 

 

 

 

 

 

    for impairment

$4,532

$3,239

$12,443

$3,842

$2,315

$2,864

$29,235

  Loans acquired and

 

 

 

 

 

 

 

    accounted for under

 

 

 

 

 

 

 

    ASC 310-30

$1

$--

$9

$--

$4

$3

$17

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

  Individually evaluated

 

 

 

 

 

 

 

    for impairment

$14,691

$16,405

$48,476

$12,009

$10,064

$980

$102,625

  Collectively evaluated

 

 

 

 

 

 

 

    for impairment

$279,502

$251,113

$687,663

$201,065

$254,567

$219,670

$1,893,580

  Loans acquired and

 

 

 

 

 

 

 

    accounted for under

 

 

 

 

 

 

 

    ASC 310-30

$278,889

$53,280

$129,128

$7,997

$14,939

$39,616

$523,849

 

 

One- to Four-

 

 

 

 

 

 

 

Family

 

 

 

 

 

 

 

Residential

 

 

 

 

 

 

 

and

Other

Commercial

Commercial

Commercial

 

 

 

Construction

Residential

Real Estate

Construction

Business

Consumer

Total

(In Thousands)

 

 

 

 

 

 

 

Allowance for Loan Losses

 

 

 

 

 

 

 

Balance, January 1, 2011

$11,483

$3,866

$14,336

$5,852

$3,281

$2,669

$41,487

  Provision charged to expense

7,995

5,693

17,859

1,020

1,459

1,310

35,336

  Losses charged off

(8,333)

(8,018)

(13,862)

(4,103)

(2,842)

(3,496)

(40,654)

  Recoveries

279

1,547

57

213

1,076

1,891

5,063

Balance,

 

 

 

 

 

 

 

  December 31, 2011

$11,424

$3,088

$18,390

$2,982

$2,974

$2,374

$41,232

 

 

 

 

 

 

 

 

Ending balance:

 

 

 

 

 

 

 

  Individually evaluated for

 

 

 

 

 

 

 

    impairment

$4,989

$89

$3,584

$594

$736

$38

$10,030

  Collectively evaluated for

 

 

 

 

 

 

 

    impairment

$6,435

$2,999

$14,806

$2,358

$2,238

$2,336

$31,172

  Loans acquired and

 

 

 

 

 

 

 

    accounted for under

 

 

 

 

 

 

 

    ASC 310-30

$--

$--

$--

$30

$--

$--

$30

 

 

 

 

 

 

 

 

Loans

 

 

 

 

 

 

 

  Individually evaluated for

 

 

 

 

 

 

 

    impairment

$39,519

$20,802

$99,254

$27,592

$10,720

$839

$198,726

  Collectively evaluated for

 

 

 

 

 

 

 

    impairment

$283,371

$222,940

$600,353

$160,768

$225,665

$183,183

$1,676,280

  Loans acquired and

 

 

 

 

 

 

 

    accounted for under

 

 

 

 

 

 

 

    ASC 310-30

$109,909

$25,877

$157,805

$40,215

$28,784

$33,947

$396,537