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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
Jun. 30, 2015
Tables/Schedules  
Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment

 

(dollars in thousands)

Residential

Construction

Commercial

June 30, 2015

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

      Balance, beginning of period

$2,462

$355

$4,143

$519

$1,780

$9,259

      Provision charged to expense

400

544

775

334

1,132

3,185

      Losses charged off

(54)

-

(9)

(128)

(50)

(241)

      Recoveries

11

-

47

33

4

95

      Balance, end of period

$2,819

$899

$4,956

$758

$2,866

$12,298

      Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$160

$160

      Ending Balance: collectively evaluated for impairment

$2,819

$899

$4,956

$758

$2,706

$12,138

      Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$-

$-

     

Loans:

      Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$675

$675

      Ending Balance: collectively evaluated for impairment

$374,186

$42,655

$394,028

$46,560

$190,128

$1,047,557

      Ending Balance: loans acquired with deteriorated credit quality

$3,279

$1,861

$10,692

$210

$1,083

$17,125

 

(dollars in thousands)

Residential

Construction

Commercial

June 30, 2014

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

      Balance, beginning of period

$1,810

$273

$3,602

$472

$2,229

$8,386

      Provision charged to expense

805

82

635

89

35

1,646

      Losses charged off

(169)

-

(95)

(59)

(579)

(902)

      Recoveries

16

-

1

17

95

129

      Balance, end of period

$2,462

$355

$4,143

$519

$1,780

$9,259

      Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively evaluated for impairment

$2,462

$355

$4,143

$519

$1,780

$9,259

      Ending Balance: loans acquired with deteriorated credit quality

$-

$-

$-

$-

$-

$-

Loans:

      Ending Balance: individually evaluated for impairment

$-

$-

$-

$-

$-

$-

      Ending Balance: collectively evaluated for impairment

$302,111

$21,477

$307,253

$35,223

$140,957

$807,021

      Ending Balance: loans acquired with deteriorated credit quality

$1,790

$-

$1,267

$-

$115

$3,172

 

(dollars in thousands)

Residential

Construction

Commercial

June 30, 2013

Real Estate

Real Estate

Real Estate

Consumer

Commercial

Total

Allowance for loan losses:

      Balance, beginning of period

$1,636

$243

$2,985

$484

$2,144

$7,492

      Provision charged to expense

472

65

1,034

19

126

1,716

      Losses charged off

(302)

(35)

(422)

(47)

(49)

(855)

      Recoveries

4

-

5

16

8

33

      Balance, end of period

$1,810

$273

$3,602

$472

$2,229

$8,386