Note 4: Loans and Allowance For Loan Losses: Loans and Leases Receivable, Troubled Debt Restructuring Policy (Policies)

3 Months Ended

Mar. 31, 2013

Policies

Loans and Leases Receivable, Troubled Debt Restructuring Policy

At March 31, 2013, and June 30, 2012, the Company had $30,000 and $6,000, respectively, of residential real estate loans, $100,351 and $0, respectively, of construction loans, $3.0 million  and $3.1 million, respectively, of commercial real estate loans, $0 and $0, respectively, of consumer loans, and $1.4 and $1.7 million, respectively, of commercial loans that were modified in TDRs and considered impaired.  All loans classified as TDRs at March 31, 2013, and June 30, 2012, were so classified due to interest rate concessions.