XML 72 R45.htm IDEA: XBRL DOCUMENT v2.4.0.8
LOAN PORTFOLIO COMPOSITION (Detail Textuals) (USD $)
3 Months Ended 6 Months Ended
Jun. 30, 2013
Contract
Jun. 30, 2012
Contract
Jun. 30, 2013
Contract
Jun. 30, 2012
Contract
Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan commitments reimbursement period     30 days  
Percentage of applicant's total monthly obligations to total monthly income     38.00%  
Agricultural loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, recorded investment          
Troubled debt restructurings, number of modification            
Residential Real Estate
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
TDR's defaulted as they were more than 90 days past due     110,792  
Troubled debt restructurings, number of modification     2  
Commercial Real Estate Loan
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
TDR's defaulted as they were more than 90 days past due       28,000
Troubled debt restructurings, number of modification       1
Commercial loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, recorded investment   269,909   269,909
Troubled debt restructurings, number of modification    2    2
Automobile Loan
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Automobile loan term     60 months  
Purchase Price
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value ratio originated 80.00%   80.00%  
NADA Book Value
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value ratio originated 100.00%   100.00%  
Commercial Real Estate and Commercial Loans | Minimum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan amount that requires risk rating verification     500,000  
Officer | Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Lending authority amount     750,000  
Director | Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Lending authority amount     1,000,000  
Board of Directors | Minimum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Lending authority amount     1,000,000  
One-to-four family residential | Adjustable rate loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Interest rate adjustments per year, maximum     2.00%  
Interest rate adjustments cap on interest rate increases over the life of the loan 6.00%   6.00%  
One-to-four family residential | Minimum | Freddie Mac
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Mortgage loans adjustment term     15 years  
One-to-four family residential | Minimum | Adjustable rate loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Mortgage loans adjustment term     1 year  
One-to-four family residential | Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Mortgage loans adjustment term     30 years  
One-to-four family residential | Maximum | Adjustable rate loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Mortgage loans adjustment term     30 years  
Mortgage loans adjustment term     5 years  
One-to-four family residential | Mortgage loans on real estate
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, recorded investment 234,015    383,982 44,267
Troubled debt restructurings, number of modification 3    6 1
One-to-four family residential | Mortgage loans on real estate | Modification to Combine Notes and Capitalize Interest
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, number of modification     1  
One-to-four family residential | Mortgage loans on real estate | Modifications Involved Rate Concessions
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, number of modification     2  
One-to-four family residential | Mortgage loans on real estate | Minimum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value ratios     80.00%  
One-to-four family residential | Mortgage loans on real estate | Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Percentage of total applicant's monthly mortgage payment total monthly income     28.00%  
Commercial and Agricultural Real Estate Loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Minimum ratio of property's projected net cash flow to loan's debt service requirement     120.00%  
Commercial and Agricultural Real Estate Loans | Minimum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan value that requires written appraisals from licensed or certified appraisers 250,000   250,000  
Commercial and Agricultural Real Estate Loans | Mortgage loans on real estate | Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value ratios     80.00%  
Commercial and Agricultural Real Estate Loans | Mortgage loans on real estate | Maximum | Adjustable rate loans
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Mortgage loans adjustment term     5 years  
Agricultural real estate | Mortgage loans on real estate
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Minimum ratio of property's projected net cash flow to loan's debt service requirement     120.00%  
Troubled debt restructurings, recorded investment            
Troubled debt restructurings, number of modification            
Agricultural real estate | Mortgage loans on real estate | Minimum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan value that requires written appraisals from licensed or certified appraisers 250,000   250,000  
Home equity
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
TDR's defaulted as they were more than 90 days past due     5,141 9,819
Troubled debt restructurings, number of modification     1 1
Home equity | Mortgage loans on real estate
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Loan to value ratios     95.00%  
Troubled debt restructurings, recorded investment          6,041
Troubled debt restructurings, number of modification          1
Home equity | Mortgage loans on real estate | Maximum
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Mortgage loans adjustment term     10 years  
Commercial real estate | Mortgage loans on real estate
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, recorded investment       114,567   
Troubled debt restructurings, number of modification       2   
Consumer loans | Mortgage loans on real estate
       
Accounts, Notes, Loans and Financing Receivable [Line Items]        
Troubled debt restructurings, recorded investment     $ 14,151 $ 18,818
Troubled debt restructurings, number of modification     2 2