Note 13: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)

3 Months Ended

Sep. 30, 2014

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

	Three Months Ended September 30,
	2014	2013
Tax at statutory rate	35.0%	35.0%
Nontaxable interest and dividends	(3.1)	(4.3)
Tax credits	(8.4)	(12.2)
State taxes	1.7	3.0
Other	0.2	(1.4)
	25.4%	20.1%

	Nine Months Ended September 30,
	2014	2013
Tax at statutory rate	35.0%	35.0%
Nontaxable interest and dividends	(3.3)	(4.3)
Tax credits	(9.2)	(11.1)
State taxes	1.5	2.1
Other	0.4	(0.2)
	24.4%	21.5%