Note 4: Loans and Allowance for Loan Losses: Schedule of Balance in the Allowance for Loan Losses and Recorded Investment (Tables)

3 Months Ended

Sep. 30, 2020

Tables/Schedules

Schedule of Balance in the Allowance for Loan Losses and Recorded Investment

	At period end and for the three months ended September 30, 2020
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for credit losses:
Balance, beginning of period           prior to adoption of CECL	$               4,875	$               2,010	$             12,132	$               1,182	$               4,940	$             25,139
Impact of CECL adoption	3,521	(121)	3,856	1,065	1,012	9,333
Provision charged to expense	252	3	61	61	397	774
Losses charged off	(19)	-	-	(6)	(145)	(170)
Recoveries	-	-	1	3	4	8
Balance, end of period	$            8,629	$               1,892	$             16,050	$               2,305	$               6,208	$             35,084

	At period end and for the three months ended September 30, 2019
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, beginning of period	$               3,706	$               1,365	$               9,399	$               1,046	$               4,387	$             19,903
Provision charged to expense	(134)	174	376	96	384	896
Losses charged off	-	-	-	(72)	(35)	(107)
Recoveries	-	-	14	4	-	18
Balance, end of period	$               3,572	$               1,539	$               9,789	$               1,074	$               4,736	$             20,710
Ending Balance: individually            evaluated for impairment	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Ending Balance: collectively            evaluated for impairment	$               3,572	$               1,539	$               9,789	$               1,074	$               4,736	$             20,710
Ending Balance: loans acquired            with deteriorated credit quality	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -

	At June 30, 2020
	Residential	Construction	Commercial
(dollars in thousands)	Real Estate	Real Estate	Real Estate	Consumer	Commercial	Total
Allowance for loan losses:
Balance, end of period	$               4,875	$               2,010	$             12,132	$               1,182	$               4,940	$             25,139
Ending Balance: individually            evaluated for impairment	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Ending Balance: collectively            evaluated for impairment	$               4,875	$               2,010	$             12,132	$               1,182	$               4,940	$             25,139
Ending Balance: loans acquired            with deteriorated credit quality	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Loans:
Ending Balance: individually            evaluated for impairment	$                      -	$                      -	$                      -	$                      -	$                      -	$                      -
Ending Balance: collectively            evaluated for impairment	$           626,085	$           106,194	$           872,716	$             80,767	$           463,902	$        2,149,664
Ending Balance: loans acquired            with deteriorated credit quality	$               1,272	$               1,278	$             14,703	$                      -	$               4,546	$             21,799