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INCOME TAXES | 9 Months Ended
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Jun. 30, 2015
INCOME TAXES [Abstract] |
INCOME TAXES |
NOTE 13. | INCOME TAXES
The Company and its subsidiaries file a consolidated federal income tax return on a fiscal year basis. Total income tax expense differs from the statutory federal income tax rate for the nine months ended June 30, 2015 and 2014 as follows:
|  | Income Tax Expense (Benefit) As Of |
|  | June 30, 2015 |  |  | June 30, 2014 |
|  | (Dollars in Thousands) |
Income tax expense at federal tax rate |  | $ | 5,229 |  |  | $ | 5,197 |
Increase (decrease) resulting from: |  |  |  |  |  |  |  |
State income taxes net of federal benefit |  |  | 477 |  |  |  | 489 |
Nontaxable buildup in cash surrender value |  |  | (444 | ) |  |  | (318 | )
Incentive stock option expense |  |  | (45 | ) |  |  | (200 | )
Tax exempt income |  |  | (3,606 | ) |  |  | (2,625 | )
Nondeductible expenses |  |  | 124 |  |  |  | 82 |
Other, net |  |  | (212 | ) |  |  | (125 | )
Total income tax expense (benefit) |  | $ | 1,523 |  |  | $ | 2,500 |
The Company’s effective tax rate for the nine months ended June 30, 2015 decreased as compared to the nine months ended June 30, 2014 primarily due to the level of tax exempt income as compared to overall pre-tax income.

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- Definition The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(h)) -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 9 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319 + Details
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