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Note 3: Loans and Allowance For Loan Losses: Schedule of Credit Risk Profile Based on Rating Category (Details) (USD $) | Jun. 30, 2013 | Jun. 30, 2012
--- | --- | ---
Consumer Loan | Pass |  |
Loan portfolio credit risk profile internal grading | $ 28,252,411 | $ 28,967,594
Consumer Loan | Watch |  |
Loan portfolio credit risk profile internal grading | 41,463 |
Consumer Loan | Substandard |  |
Loan portfolio credit risk profile internal grading | 121,004 | 18,311
Consumer Loan | Total by Credit Quality Indicator |  |
Loan portfolio credit risk profile internal grading | 28,414,878 | 28,985,905
Commercial Loan | Pass |  |
Loan portfolio credit risk profile internal grading | 129,782,625 | 129,572,873
Commercial Loan | Watch |  |
Loan portfolio credit risk profile internal grading | 55,858 | 5,398,255
Commercial Loan | Substandard |  |
Loan portfolio credit risk profile internal grading | 1,030,001 | 2,033,094
Commercial Loan | Total by Credit Quality Indicator |  |
Loan portfolio credit risk profile internal grading | 130,868,484 | 137,004,222
Residential Mortgage | Pass |  |
Loan portfolio credit risk profile internal grading | 231,230,256 | 198,847,363
Residential Mortgage | Watch |  |
Loan portfolio credit risk profile internal grading | 1,881,836 | 1,561,263
Residential Mortgage | Substandard |  |
Loan portfolio credit risk profile internal grading | 776,350 | 604,072
Residential Mortgage | Total by Credit Quality Indicator |  |
Loan portfolio credit risk profile internal grading | 233,888,442 | 201,012,698
Construction Real Estate | Pass |  |
Loan portfolio credit risk profile internal grading | 19,932,817 | 22,811,575
Construction Real Estate | Total by Credit Quality Indicator |  |
Loan portfolio credit risk profile internal grading | 19,932,817 | 22,811,575
Commercial Real Estate | Pass |  |
Loan portfolio credit risk profile internal grading | 237,131,788 | 194,280,920
Commercial Real Estate | Watch |  |
Loan portfolio credit risk profile internal grading | 1,594,368 | 149,940
Commercial Real Estate | Substandard |  |
Loan portfolio credit risk profile internal grading | 3,577,766 | 6,526,569
Commercial Real Estate | Total by Credit Quality Indicator |  |
Loan portfolio credit risk profile internal grading | $ 242,303,922 | $ 200,957,429

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