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

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_AllowanceBalanceBeginningOfPeriod
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_AllowanceBalanceEndOfPeriod
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_LoansReceivableAcquiredWithDeterioratedCreditQuality
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_LoansReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_LoansReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | credit
Period Type: | duration

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_LoansReceivableCollectivelyEvaluatedForImpairment
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition No authoritative reference available. + References No definition available. + Details
Name: | fil_LoansReceivableIndividuallyEvaluatedForImpairment
Namespace Prefix: | fil_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Reflects a reduction in bad debt expense attributable to collections of loans and lease receivables which had previously been fully or partially charged off as bad debts. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 114 -Paragraph 20 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Reflects the amount of loans and leases that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Statement of Financial Accounting Standard (FAS) -Number 114 -Paragraph 20 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -Subparagraph (a) -URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 03 -Paragraph 7 -Subparagraph d -Article 9 + Details
Name: | us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration

X
- Definition Provision charged for the period based on estimated losses to be realized from loan transactions. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 225 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-04.11) -URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher AICPA -Name Audit and Accounting Guide (AAG) -Number AAG-DEP -Paragraph 17 -IssueDate 2006-05-01 -Chapter 5 -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009. This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy. Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 04 -Paragraph 11 -Article 9 + Details
Name: | us-gaap_ProvisionForLoanLossesExpensed
Namespace Prefix: | us-gaap_
Data Type: | xbrli:monetaryItemType
Balance Type: | debit
Period Type: | duration