Note 9. Troubled Debt Restructuring (Tables)

6 Months Ended

Jun. 30, 2012

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	June 30, 2012
	Number of Modifications		Total Troubled Debt Restructurings		ALL Allocation		Recorded Investment
Commercial		-	$	-		-	$	-
Real estate
Construction		3		674,351		43,815		630,536
Commercial		22		11,930,925		677,842		11,253,083
Residential		101		16,229,455		1,215,781		15,013,674
Multifamily		2		588,088		219,953		368,135
Installment and other		11		202,623		22,275		180,348
Total Loans		139	$	29,625,442		2,179,666	$	27,445,776

	December 31, 2011
	Number of Modifications		Total Troubled Debt Restructurings		ALL Allocation		Recorded Investment
Commercial		-	$	-	$	-	$	-
Real estate
Construction		4		1,291,616		46,081		1,245,535
Commercial		13		7,360,189		790,410		6,569,779
Residential		86		15,950,281		923,937		15,026,344
Multifamily		2		541,192		170,295		370,897
Installment and other		9		127,437		11,844		115,593
Total Loans		114	$	25,270,715	$	1,942,567	$	23,328,148

Troubled Debt Restructings in Default [Table Text Block]

	June 30, 2012				December 31, 2011
	Number of Modifications		Total in Default		Number or Modifications		Total in Default
Commercial		-	$	-		-	$	-
Real estate
Construction		-		-		-		-
Commercial		-		-		-		-
Residential		19		3,413,078		18		2,860,627
Multifamily		1		465,479		-		-
Installment and other		3		29,358		-		-
Total Loans		23	$	3,907,915		18	$	2,860,627

Types of Troubled Debt Restructurings [Table Text Block]

	For the Six Months Ended June 30, 2012
	Modification of Terms				Reduction of Interest Rate				Interest-only Payments				Forgiveness of Debt				Total
	Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count		Balance
Commercial		-	$	-		-	$	-		-	$	-		-	$	-		-	$	-
Real estate
Construction		-		-		-		-		-		-		-		-		-		-
Commercial		-		-		4		2,387,610		6		2,279,191		-		-		10		4,666,801
Residential		3		206,980		16		1,539,525		1		14,023		-		-		20		1,760,528
Multifamily		-		-		-		-		-		-		-		-		-		-
Installment & Other		-		-		2		82,374		-		-		-		-		2		82,374
Total Loans		3	$	206,980		22		4,009,509		7	$	2,293,214		-	$	-		32	$	6,509,703

	For the Six Months Ended June 30, 2011
	Modification of Terms				Reduction of Interest Rate				Interest-only Payments				Forgiveness of Debt				Total
	Count		Balance		Count		Balance		Count		Balance		Count		Balance		Count		Balance
Commercial		-	$	-		-	$	-		-	$	-		-	$	-		-	$	-
Real estate
Construction		-		-		-		-		-		-		-		-		-		-
Commercial		-		-		-		-		-		-		-		-		-		-
Residential		1		60,827		21		2,760,872		4		2,354,170		-		-		26		5,175,869
Multifamily		-		-		-		-		-		-		-		-		-		-
Installment & Other		2		31,526		3		19,116		-		-		-		-		5		50,642
Total Loans		3	$	92,353		24		2,779,988		4	$	2,354,170		-	$	-		31	$	5,226,511