XML 51 R83.htm IDEA: XBRL DOCUMENT v2.4.0.6
Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods (Details) (USD $)
3 Months Ended
Sep. 30, 2012
Jun. 30, 2012
Sep. 30, 2011
Conventional Real Estate Loans | Loans
     
Loans Receivable Acquired With Deteriorated Credit Quality $ 1,586,935 $ 1,498,009  
Loans Receivable Collectively Evaluated for Impairment 205,329,331 205,418,257  
Conventional Real Estate Loans | Allowance for Loan Losses
     
Allowance balance beginning of period 1,635,346   1,618,285
Provision for Loan Losses Expensed 92,776   165,494
Allowance for Loan and Lease Losses, Write-offs (13,872)   (76,918)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 113   4,605
Allowance balance end of period 1,714,363 1,635,346 1,711,466
Loans Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 1,714,363 1,635,346 1,711,466
Construction Real Estate Loans | Loans
     
Loans Receivable Collectively Evaluated for Impairment 18,878,460 18,878,460  
Construction Real Estate Loans | Allowance for Loan Losses
     
Allowance balance beginning of period 243,169   192,752
Provision for Loan Losses Expensed (51,385)   182,546
Allowance for Loan and Lease Losses, Recoveries of Bad Debts     233
Allowance balance end of period 191,784 243,169 375,531
Loans Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 191,784 243,169 375,531
Commercial Real Estate Loans | Loans
     
Loans Receivable Acquired With Deteriorated Credit Quality 1,687,453 1,684,118  
Loans Receivable Individually Evaluated for Impairment 963,384 976,881  
Loans Receivable Collectively Evaluated for Impairment 219,261,405 219,251,243  
Commercial Real Estate Loans | Allowance for Loan Losses
     
Allowance balance beginning of period 2,985,838   2,671,482
Provision for Loan Losses Expensed 469,519   (389,686)
Allowance for Loan and Lease Losses, Write-offs (227)   (24,825)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 1,630    
Allowance balance end of period 3,456,760 2,985,838 2,256,971
Loans Receivable Allowance for Credit Losses Individually Evaluated for Impairment 347,815 347,815 109,481
Loans Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 3,097,996 2,632,679 2,024,010
Loans Receivable Acquired With Deteriorated Credit Quality 10,949 5,344 123,480
Consumer Loans | Loans
     
Loans Receivable Collectively Evaluated for Impairment 28,349,963 28,349,963  
Consumer Loans | Allowance for Loan Losses
     
Allowance balance beginning of period 483,597   441,207
Provision for Loan Losses Expensed 45,363   174,723
Allowance for Loan and Lease Losses, Write-offs (8,589)   (96,604)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 2,284   1,592
Allowance balance end of period 522,655 483,597 520,918
Loans Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 522,655 483,597 520,918
Commercial Loans | Loans
     
Loans Receivable Acquired With Deteriorated Credit Quality 1,311,286 1,354,709  
Loans Receivable Collectively Evaluated for Impairment 139,241,974 139,198,551  
Commercial Loans | Allowance for Loan Losses
     
Allowance balance beginning of period 2,144,104   1,514,725
Provision for Loan Losses Expensed 54,416   383,606
Allowance for Loan and Lease Losses, Write-offs (3,244)   (11,156)
Allowance balance end of period 2,195,276 2,144,104 1,887,175
Loans Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 1,685,289 1,767,967 1,775,054
Loans Receivable Acquired With Deteriorated Credit Quality 509,987 376,137 112,121
Total Loans | Loans
     
Loans Receivable Acquired With Deteriorated Credit Quality 4,585,674 4,536,836  
Loans Receivable Individually Evaluated for Impairment 963,384 976,881  
Loans Receivable Collectively Evaluated for Impairment 611,061,133 611,096,474  
Total Loans | Allowance for Loan Losses
     
Allowance balance beginning of period 7,492,054   6,438,451
Provision for Loan Losses Expensed 610,689   516,683
Allowance for Loan and Lease Losses, Write-offs (25,932)   (209,503)
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 4,027   6,430
Allowance balance end of period 8,080,838 7,492,054 6,752,061
Loans Receivable Allowance for Credit Losses Individually Evaluated for Impairment 347,815 347,815 109,481
Loans Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 7,212,087 6,762,758 6,406,979
Loans Receivable Acquired With Deteriorated Credit Quality $ 520,936 $ 381,481 $ 235,601