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Note 20: Mortgage Servicing Rights: Schedule of mortgage servicing rights (Tables) | 12 Months Ended
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Dec. 31, 2014
Tables/Schedules |
Schedule of mortgage servicing rights |
| December 31 2013
| 2014 | 2013
Amortized cost: |  |
Balance before valuation allowance at beginning of year | $ 4,844,101 | $ 2,797,470
MSRs received as proceeds from loan sales | 3,741,381 | 2,494,254
Amortization | (750,735) | (447,623)
Application of valuation allowance to write down MSRs with other than temporary impairment | - | -
Balance before valuation allowance at year end | $ 7,834,747 | $ 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 year end | $ - | $ -
Mortgage servicing rights, net | $ 7,834,747 | $ 4,844,101
Estimated fair value of MSRs at year end | $ 8,485,570 | $ 5,491,270

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