Note 2 - Allowance For Loan Losses: Troubled Debt Restructurings on Financing Receivables (Tables)

9 Months Ended

Sep. 30, 2014

Tables/Schedules

Troubled Debt Restructurings on Financing Receivables

The following table presents a summary of loans that were restructured during the three months ended September 30, 2014.

	Number Of Loans	Pre-Modification Recorded Investment	Post-Modification Recorded Investment
Consumer Loans ...............	1,008	$ 3,238,641	$ 3,046,786
Real Estate Loans..............	8	87,548	80,548
Sales Finance Contracts.....	48	125,818	119,834
Total ..............................	1,064	$ 3,452,007	$ 3,247,168

The following table presents a summary of loans that were restructured during the three months ended September 30, 2013.

	Number Of Loans	Pre-Modification Recorded Investment	Post-Modification Recorded Investment
Consumer Loans ...............	1,090	$ 3,319,113	$ 3,077,259
Real Estate Loans..............	13	98,077	98,077
Sales Finance Contracts.....	45	90,740	86,593
Total ..............................	1,148	$ 3,507,930	$ 3,261,929

The following table presents a summary of loans that were restructured during the nine months ended September 30, 2014.

	Number Of Loans	Pre-Modification Recorded Investment	Post-Modification Recorded Investment
Consumer Loans ...............	2,659	$ 8,455,145	$ 7,826,633
Real Estate Loans..............	44	382,487	375,431
Sales Finance Contracts.....	120	299,921	285,205
Total ..............................	2,823	$ 9,137,553	$ 8,487,269

The following table presents a summary of loans that were restructured during the nine months ended September 30, 2013.

	Number Of Loans	Pre-Modification Recorded Investment	Post-Modification Recorded Investment
Consumer Loans ...............	2,682	$ 8,258,864	$ 7,598,031
Real Estate Loans..............	44	329,983	325,681
Sales Finance Contracts.....	125	242,193	226,547
Total ..............................	2,851	$ 8,831,040	$ 8,150,259

TDRs that occurred during the previous twelve months and subsequently defaulted during the three months ended September 30, 2014 are listed below.

	Number Of Loans	Pre-Modification Recorded Investment
Consumer Loans ...............	204	$ 370,132
Real Estate Loans..............	2	3,768
Sales Finance Contracts.....	13	16,822
Total ..............................	219	$ 390,722

TDRs that occurred during the twelve months ended September 30, 2013 and subsequently defaulted during the three months ended September 30, 2013 are listed below.

	Number Of Loans	Pre-Modification Recorded Investment
Consumer Loans ...............	181	$ 347,757
Real Estate Loans..............	-	-
Sales Finance Contracts.....	11	11,091
Total ..............................	192	$ 358,848

TDRs that occurred during the previous twelve months and subsequently defaulted during the nine months ended September 30, 2014 are listed below.

	Number Of Loans	Pre-Modification Recorded Investment
Consumer Loans ...............	512	$ 930,070
Real Estate Loans..............	3	7,294
Sales Finance Contracts.....	23	26,475
Total ..............................	538	$ 963,839

TDRs that occurred during the twelve months ended September 30, 2013 and subsequently defaulted during the nine months ended September 30, 2013 are listed below.

	Number Of Loans	Pre-Modification Recorded Investment
Consumer Loans ...............	443	$ 813,951
Real Estate Loans..............	2	6,464
Sales Finance Contracts.....	19	16,773
Total ..............................	464	$ 837,188