10) Derivative Investments: Schedule of Gains and Losses on Derivatives (Details) (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
Details
Gain (Loss) on Derivatives, Interest Rate Lock Commitments	$ 449,263	$ (715,724)
Gain (Loss) on Derivatives, Interest Rate Swaps	6,852	9,117
GainLossOnDerivativesSubTotal	456,115	(706,607)
TaxEffect-GainLossOnDerivatives	177,885	(127,960)
Gain (Loss) on Derivatives, Total	$ 278,230	$ (578,647)