Note 15 - Other Expenses

12 Months Ended

Dec. 31, 2013

Other Income and Expenses [Abstract]

Other Income and Other Expense Disclosure [Text Block]

NOTE 15:     OTHER EXPENSES

Other expenses for the years ended December 31, 2013, 2012 and 2011 were as follows:

	December 31, 2013		December 31, 2012		December 31, 2011
Directors compensation	$	243,410	$	235,478	$	215,980
Outside services		111,332		62,675		55,000
Legal expense		431,519		471,363		628,444
Deposit expense		84,942		219,778		73,712
Office supplies		74,516		81,814		94,002
Telephone		116,661		114,182		116,826
Postage		153,753		157,986		165,837
Insurance		87,758		87,436		74,287
Supervisory exam		55,234		57,109		58,609
Accounting		223,517		256,850		149,475
Organization dues		124,454		118,653		118,568
Loan expense		310,853		239,701		307,021
Mortgage buyback		-		147,119		-
Contributions		40,000		40,000		40,118
ATM expense		228,547		231,893		219,329
Federal and state tax credits amortization		885,478		885,478		676,700
Other operating		489,484		400,527		517,036
	$	3,661,458	$	3,808,042	$	3,510,944