Note 7: Loans and Allowance For Loan Losses: Loans and Leases Receivable Troubled Debt Restructuring Policy (Policies)	3 Months Ended
Sep. 30, 2012
Policies
Loans and Leases Receivable Troubled Debt Restructuring Policy	Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach. At September 30, 2012, the Company had $8.0 million of construction loans, $18.2 million of single family and multi-family residential mortgage loans, $31.8 million of commercial real estate loans, $3.1 million of commercial business loans and $140,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $51.8 million were accruing interest at September 30, 2012. At December 31, 2011, the Company had $9.0 million of construction loans, $17.0 million of single family and multi-family residential mortgage loans, $31.3 million of commercial real estate loans, $671,000 of commercial business loans and $156,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $50.8 million were accruing interest at December 31, 2011. During the previous 12 months, 5 non-owner occupied residential mortgage loans totaling $605,000, 5 commercial real estate loans totaling $5.8 million, and 1 consumer loan totaling $20,000, were modified as troubled debt restructurings and had payment defaults subsequent to the modifications. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible.

Note 7: Loans and Allowance For Loan Losses: Loans and Leases Receivable Troubled Debt Restructuring Policy (Policies)

3 Months Ended

Sep. 30, 2012

Policies

Loans and Leases Receivable Troubled Debt Restructuring Policy

Included in certain loan categories in the impaired loans are troubled debt restructurings that were classified as impaired. Troubled debt restructurings are loans that are modified by granting concessions to borrowers experiencing financial difficulties. These concessions could include a reduction in the interest rate on the loan, payment extensions, forgiveness of principal, forbearance or other actions intended to maximize collection. The types of concessions made are factored into the estimation of the allowance for loan losses for troubled debt restructurings primarily using a discounted cash flows or collateral adequacy approach.

At September 30, 2012, the Company had $8.0 million of construction loans, $18.2 million of single family and multi-family residential mortgage loans, $31.8 million of commercial real estate loans, $3.1 million of commercial business loans and $140,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $51.8 million were accruing interest at September 30, 2012. At December 31, 2011, the Company had $9.0 million of construction loans, $17.0 million of single family and multi-family residential mortgage loans, $31.3 million of commercial real estate loans, $671,000 of commercial business loans and $156,000 of consumer loans that were modified in troubled debt restructurings and impaired. Of the total troubled debt restructurings, $50.8 million were accruing interest at December 31, 2011.

During the previous 12 months, 5 non-owner occupied residential mortgage loans totaling $605,000, 5 commercial real estate loans totaling $5.8 million, and 1 consumer loan totaling $20,000, were modified as troubled debt restructurings and had payment defaults subsequent to the modifications. When loans modified as troubled debt restructuring have subsequent payment defaults, the defaults are factored into the determination of the allowance for loan losses to ensure specific valuation allowances reflect amounts considered uncollectible.