9) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Tables)

3 Months Ended

Mar. 31, 2016

Tables/Schedules

Schedule of Gains and Losses on Derivatives

	Net Amount Gain                Recognized in OCI
	Three Months Ended March 31
Derivative - Cash Flow Hedging Relationships:	2016	2015
Interest Rate Lock Commitments	$        1,340,992	$          2,487,891
Interest Rate Swaps	2,737	3,951
Sub Total	1,343,729	2,491,842
Tax Effect	524,055	971,819
Total	$           819,674	$          1,520,023