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4. Loan Servicing (Tables)
12 Months Ended
Dec. 31, 2014
Transfers and Servicing of Financial Assets [Abstract]  
Schedule Of Mortgage Servicing Rights

The following table summarizes changes in mortgage servicing rights for the years ended December 31,

 

  2014 2013
     
Balance at beginning of year $1,329,079  $1,009,623 
   Mortgage servicing rights capitalized 209,713  274,253 
   Mortgage servicing rights amortized (250,955) (317,865)
   Change in valuation allowance 24,128  363,068 
Balance at end of year $1,311,965  $1,329,079