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10) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Details) (USD $) | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2014 | Sep. 30, 2013 | Sep. 30, 2014 | Sep. 30, 2013
Details |  |  |  |
Gain (Loss) on Derivatives, Interest Rate Lock Commitments | $ (713,276) | $ (1,616,310) | $ 525,136 | $ (1,097,099)
Gain (Loss) on Derivatives, Interest Rate Swaps | 9,655 | 5,890 | 21,955 | 27,691
GainLossOnDerivativesSubTotal | (703,621) | (1,610,420) | 547,091 | (1,069,408)
TaxEffect-GainLossOnDerivatives | (274,412) | (628,356) | 213,366 | (270,380)
Gain (Loss) on Derivatives, Total | $ (429,209) | $ (982,064) | $ 333,725 | $ (799,028)

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