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

3 Months Ended

Dec. 31, 2012

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

	For the three-month period ended		For the six-month period ended
	December 31, 2012	December 31, 2011	December 31, 2012	December 31, 2011
Tax at statutory rate	$1,205,574	$1,357,126	$2,474,162	$2,817,290
Increase (reduction) in taxes resulting from:
Nontaxable municipal income	(128,391)	(113,303)	(252,659)	(217,673)
State tax, net of Federal benefit	84,480	103,620	176,880	220,275
Cash surrender value of Bank-owned life insurance	(43,764)	(24,275)	(86,543)	(48,603)
Other, net	(53,013)	(6,060)	(106,068)	(9,974)
Actual provision	$1,064,886	$1,317,107	$2,205,772	$2,761,314