Loans and Allowance For Loan Losses: Schedule of Loan Portfolio by Credit Rating (Tables)

3 Months Ended

Dec. 31, 2012

Tables/Schedules

Schedule of Loan Portfolio by Credit Rating

	December 31, 2012
	Conventional	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
Pass	$225,796,824	$12,699,677	$233,361,886	$28,175,550	$123,822,714
Watch	1,618,763	1,613,159	59,072	29,430	1,193
Special Mention	-	-	-	-	-
Substandard	104,869	9,103	1,849,082	11,699	1,340,393
Doubtful	-	-	-	-	-
Total	$225,901,693	$12,708,780	$235,210,968	$28,187,249	$125,163,107

	June 30, 2012
	Conventional	Construction	Commercial
	Real Estate	Real Estate	Real Estate	Consumer	Commercial
Pass	$198,847,363	$22,811,575	$194,280,920	$28,967,594	$129,572,873
Watch	1,561,263	-	149,940	-	5,398,255
Special Mention	-	-	-	-	-
Substandard	604,072	-	6,526,569	18,311	2,033,094
Doubtful	-	-	-	-	-
Total	$201,012,698	$22,811,575	$200,957,429	$28,985,905	$137,004,222