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9) Derivative Commitments: Schedule of Gains and Losses on Derivatives (Details) - USD ($) | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2015 | Sep. 30, 2014 | Sep. 30, 2015 | Sep. 30, 2014
Details |  |  |  |
Gain (Loss) on Derivatives, Interest Rate Lock Commitments | $ (1,431,809) | $ (713,276) | $ 2,308,092 | $ 525,136
Gain (Loss) on Derivatives, Interest Rate Swaps | 22,659 | 9,655 | 31,370 | 21,955
GainLossOnDerivativesSubTotal | (1,409,150) | (703,621) | 2,339,462 | 547,091
TaxEffect-GainLossOnDerivatives | (549,569) | (274,412) | 912,390 | 213,366
Gain (Loss) on Derivatives, Total | $ (859,581) | $ (429,209) | $ 1,427,072 | $ 333,725

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