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Income Taxes | 12 Months Ended
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Dec. 31, 2013
Income Taxes [Abstract] |
Income Taxes | Note 15: Income Taxes The provision for income taxes includes these components:
($ in thousands) |  | For The Year Ended December |
|  | 2013 |  |  | 2012 |
Taxes currently payable |  | $ | 512 |  |  | $ | 71 |
Deferred provision |  |  | 1,731 |  |  |  | 1,858 |
Income tax expense |  | $ | 2,243 |  |  | $ | 1,929 |
A reconciliation of income tax expense at the statutory rate to the Company's actual income tax expense is shown below:
|  | For The Year Ended December |
($ in thousands) |  | 2013 |  |  | 2012 |
Computed at the statutory rate (34%) |  | $ | 2,532 |  |  | $ | 2,293 |
Increase (decrease) resulting from |  |  |  |  |  |  |  |
Tax exempt interest |  |  | (247 | ) |  |  | (233 | )
BOLI Income |  |  | (112 | ) |  |  | (120 | )
Other |  |  | 70 |  |  |  | (11 | )
Actual tax expense |  | $ | 2,243 |  |  | $ | 1,929 |
The tax effects of temporary differences related to deferred taxes shown on the balance sheets are:
|  | At December 31, |
($ in thousands) |  | 2013 |  |  | 2012 |
Deferred tax assets |  |  |  |  |  |
Allowance for loan losses |  | $ | 2,368 |  |  | $ | 2,316 |
OREO Writedowns/Expense |  |  | 14 |  |  |  | 83 |
Accrued compensation and benefits |  |  | - |  |  |  | 458 |
Net deferred loan fees |  |  | 93 |  |  |  | 94 |
Mark to market adjustments |  |  | - |  |  |  | 267 |
Purchase accounting adjustments |  |  | - |  |  |  | 3 |
NOL carry over |  |  | 535 |  |  |  | 2,107 |
AMT credit carry over |  |  | 798 |  |  |  | 322 |
Other |  |  | 236 |  |  |  | 261 |
|  |  | 4,044 |  |  |  | 5,911 |
Deferred tax liabilities |  |  |  |  |  |  |  |
Depreciation |  |  | (1,031 | ) |  |  | (1,049 | )
Mortgage servicing rights |  |  | (1,761 | ) |  |  | (1,284 | )
Unrealized gains on available-for-sale securities |  |  | (38 | ) |  |  | (943 | )
Purchase accounting adjustments |  |  | (1,149 | ) |  |  | (1,743 | )
Prepaids |  |  | (248 | ) |  |  | (249 | )
FHLB stock dividends |  |  | (466 | ) |  |  | (466 | )
|  |  | (4,693 | ) |  |  | (5,734 | )
Net deferred tax asset/(liability) |  | $ | (649 | ) |  | $ | 177 |
The Net Operating Loss ("NOL") carry over of $1.6 million begins to expire in 2031.

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- Definition The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 235 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.4-08.(h)) -URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher SEC -Name Regulation S-X (SX) -Number 210 -Section 08 -Paragraph h -Article 4 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 9 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 2 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319 Reference 6: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 740 -SubTopic 10 -Section 50 -Paragraph 3 -URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319 + Details
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