NOTE 6: LOANS AND ALLOWANCE FOR LOAN LOSSES: Impaired Financing Receivables (Tables)

9 Months Ended

Sep. 30, 2020

Tables/Schedules

Impaired Financing Receivables

		September 30, 2020
				Unpaid
		Recorded		Principal		Specific
		Balance		Balance		Allowance
		(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-
Subdivision construction		22		22		-
Land development		-		-		-
Commercial construction		-		-		-
Owner occupied one- to four-family residential		3,342		3,460		78
Non-owner occupied one- to four-family residential		238		238		-
Commercial real estate		3,056		3,056		466
Other residential		-		-		-
Commercial business		197		210		15
Industrial revenue bonds		-		-		-
Consumer auto		1,024		1,040		166
Consumer other		333		355		17
Home equity lines of credit		553		558		4
Total	$	8,765	$	8,939	$	746

	Three Months Ended September 30, 2020				Nine Months Ended September 30, 2020
		Average				Average
		Investment		Interest		Investment		Interest
		in Impaired		Income		in Impaired		Income
		Loans		Recognized		Loans		Recognized
	(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-	$	-
Subdivision construction		22		-		147		3
Land development		-		-		-		-
Commercial construction		-		-		-		-
Owner occupied one- to four-family residential		3,146		44		2,850		124
Non-owner occupied one- to four-family residential		267		-		372		11
Commercial real estate		3,829		30		3,946		97
Other residential		-		-		-		-
Commercial business		538		5		1,008		30
Industrial revenue bonds		-		-		-		-
Consumer auto		889		37		945		77
Consumer other		293		17		281		33
Home equity lines of credit		528		7		535		26
Total	$	9,512	$	140	$	10,084	$	401

		At or for the Year Ended December 31, 2019
								Average
				Unpaid				Investment		Interest
		Recorded		Principal		Specific		in Impaired		Income
		Balance		Balance		Allowance		Loans		Recognized
		(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-	$	-	$	-
Subdivision construction		251		251		96		277		9
Land development		-		-		-		328		101
Commercial construction		-		-		-		-		-
Owner occupied one- to four- family residential		2,300		2,423		82		2,598		131
Non-owner occupied one- to four-family residential		409		574		20		954		43
Commercial real estate		4,020		4,049		517		4,940		264
Other residential		-		-		-		-		-
Commercial business		1,286		1,771		13		1,517		81
Industrial revenue bonds		-		-		-		-		-
Consumer auto		1,117		1,334		181		1,128		125
Consumer other		356		485		16		383		48
Home equity lines of credit		528		548		4		362		37
Total	$	10,267	$	11,435	$	929	$	12,487	$	839

		September 30, 2019
				Unpaid
		Recorded		Principal		Specific
		Balance		Balance		Allowance
		(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-
Subdivision construction		256		256		98
Land development		83		83		-
Commercial construction		-		-		-
Owner occupied one- to four-family residential		2,055		2,312		105
Non-owner occupied one- to four-family residential		795		980		21
Commercial real estate		4,286		4,312		569
Other residential		-		-		-
Commercial business		1,299		1,766		14
Industrial revenue bonds		-		-		-
Consumer auto		840		1,083		107
Consumer other		340		517		16
Home equity lines of credit		541		563		4
Total	$	10,495	$	11,872	$	934

	Three Months Ended September 30, 2019				Nine Months Ended September 30, 2019
		Average				Average
		Investment		Interest		Investment		Interest
		in Impaired		Income		in Impaired		Income
		Loans		Recognized		Loans		Recognized
	(In Thousands)
One- to four-family residential construction	$	-	$	-	$	-	$	-
Subdivision construction		269		2		285		7
Land development		83		2		428		101
Commercial construction		-		-		-		-
Owner occupied one- to four-family residential		2,042		23		2,745		80
Non-owner occupied one- to four-family residential		687		14		1,093		32
Commercial real estate		4,427		62		5,217		198
Other residential		-		-		-		-
Commercial business		1,370		7		1,590		65
Industrial revenue bonds		-		-		-		-
Consumer auto		883		21		1,121		64
Consumer other		331		12		399		34
Home equity lines of credit		447		13		318		30
Total	$	10,539	$	156	$	13,196	$	611