13) Stock Compensation Plans: Schedule of Assumptions Used (Tables)

12 Months Ended

Dec. 31, 2019

Tables/Schedules

Schedule of Assumptions Used

			Assumptions
Grant Date	Plan	Weighted-Average Fair Value of Each Option	Expected Dividend Yield	Underlying stock FMV	Weighted-Average Volatility	Weighted-Average Risk-Free Interest Rate	Weighted-Average Expected Life (years)
December 6, 2019	All Plans	$            0.96	5%	$      5.19	32.79%	1.64%	4.83
January 17, 2019	All Plans	$            1.12	5%	$      4.98	36.04%	2.56%	5.31
November 30, 2018	All Plans	$            1.12	5%	$      4.91	34.61%	2.86%	4.56