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12) Mortgage Servicing Rights | 6 Months Ended
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Jun. 30, 2014
Notes |
12) Mortgage Servicing Rights | 12) Mortgage Servicing Rights The following is a summary of the MSR activity for the periods presented.
| As of June 30 2014 | As of December 31 2013
Amortized cost: |  |
Balance before valuation allowance at beginning of year | $ 4,844,101 | $ 2,797,470
MSRs proceeds from loan sales | 1,608,696 | 2,494,254
Amortization | (321,189) | (447,623)
Application of valuation allowance to write down MSRs with other than temporary impairment | - | -
Balance before valuation allowance at year end | $ 6,131,608 | $ 4,844,101
Valuation allowance for impairment of MSRs: |  |
Balance at beginning of year | $ - | $ -
Additions | - | -
Application of valuation allowance to write down MSRs with other than temporary impairment | - | -
Balance at end of period | $ - | $ -
Mortgage servicing rights, net | $ 6,131,608 | $ 4,844,101
Estimated fair value of MSRs at end of period | $ 6,860,160 | $ 5,491,270
The Company reports these MSRs pursuant to the accounting policy discussed in Note 8 and Note 9.

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