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

3 Months Ended

Sep. 30, 2015

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

Reconciliations of the Company’s effective tax rates to the statutory corporate tax rates were as follows:

	Three Months Ended September 30,
	2015	2014
Tax at statutory rate	35.0%	35.0%
Nontaxable interest and dividends	(2.5)	(3.1)
Tax credits	(8.1)	(8.4)
State taxes	1.0	1.7
Other	(0.4)	0.2
	25.0%	25.4%

	Nine Months Ended September 30,
	2015	2014
Tax at statutory rate	35.0%	35.0%
Nontaxable interest and dividends	(2.4)	(3.3)
Tax credits	(8.1)	(9.2)
State taxes	1.1	1.5
Other	(0.3)	0.4
	25.3%	24.4%