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

Jun. 30, 2018

Tables/Schedules

Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment

(dollars in thousands)	Residential	Construction	Commercial
June 30, 2018	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$               3,230	$                  964	$               7,068	$                  757	$               3,519	$             15,538
Provision charged to expense	184	142	1,779	251	691	3,047
Losses charged off	(190)	(9)	(56)	(129)	(22)	(406)
Recoveries	2	-	2	23	8	35
Balance, end of period	$               3,226	$               1,097	$               8,793	$                  902	$               4,196	$             18,214
Ending Balance: individually             evaluated for impairment	$                      -	$                      -	$                  399	$                      -	$                  351	$                  750
Ending Balance: collectively             evaluated for impairment	$               3,226	$               1,097	$               8,394	$                  902	$               3,845	$             17,464
Ending Balance: loans acquired             with deteriorated credit quality	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Loans:
Ending Balance: individually             evaluated for impairment	$                      -	$                      -	$                  660	$                      -	$                  580	$               1,240
Ending Balance: collectively             evaluated for impairment	$           447,706	$             64,888	$           696,377	$             78,571	$           278,241	$        1,565,783
Ending Balance: loans acquired             with deteriorated credit quality	$               3,213	$               1,297	$               7,610	$                      -	$               2,451	$             14,571

(dollars in thousands)	Residential	Construction	Commercial
June 30, 2017	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$3,247	$1,091	$5,711	$738	$3,004	$             13,791
Provision charged to expense	184	(97)	1,356	76	821	2,340
Losses charged off	(211)	(31)	(19)	(65)	(337)	(663)
Recoveries	10	1	20	8	31	70
Balance, end of period	$               3,230	$                  964	$               7,068	$                  757	$               3,519	$             15,538
Ending Balance: individually             evaluated for impairment	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Ending Balance: collectively             evaluated for impairment	$               3,230	$                  964	$               7,068	$                  757	$               3,519	$             15,538
Ending Balance: loans acquired             with deteriorated credit quality	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Loans:
Ending Balance: individually             evaluated for impairment	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Ending Balance: collectively             evaluated for impairment	$           438,981	$             54,704	$           592,427	$             63,651	$           243,369	$        1,393,132
Ending Balance: loans acquired             with deteriorated credit quality	$               3,482	$               1,338	$             11,495	$                      -	$               3,815	$             20,130

(dollars in thousands)	Residential	Construction	Commercial
June 30, 2016	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	590	192	806	58	848	2,494
Losses charged off	(167)	-	(97)	(86)	(725)	(1,075)
Recoveries	5	-	46	8	15	74
Balance, end of period	$               3,247	$               1,091	$               5,711	$                  738	$               3,004	$             13,791