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11) Mortgage Servicing Rights | 3 Months Ended
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Mar. 31, 2015
Notes |
11) Mortgage Servicing Rights | 11) Mortgage Servicing Rights The following is a summary of the MSR activity for the periods presented.
| As of March 31 2015 | As of December 31 2014
Amortized cost: |  |
Balance before valuation allowance at beginning of year | $ 7,834,747 | $ 4,844,101
MSRs proceeds from loan sales | 987,707 | 3,741,381
Amortization | (259,966) | (750,735)
Application of valuation allowance to write down MSRs with other than temporary impairment | - | -
Balance before valuation allowance at year end | $ 8,562,488 | $ 7,834,747
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 | $ 8,562,488 | $ 7,834,747
Estimated fair value of MSRs at end of period | $ 8,926,200 | $ 8,485,570
The Company reports these MSRs pursuant to the accounting policy discussed in Note 7.

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