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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)