3) Loans Held For Sale: Schedule of loan loss reserve which is included in other liabilities and accrued expenses (Details) - USD ($)		12 Months Ended
		Dec. 31, 2019	Dec. 31, 2018
Details
Loan loss reserve, balance at start of period		$ 3,604,869	$ 2,571,524
Provision for current loan originations	[1]	643,284	1,148,334
Loan loss reserve, Charge-offs and settlements		(201,865)	(114,989)
Loan loss reserve, balance at end of period		$ 4,046,288	$ 3,604,869

[1] Included in Mortgage fee income