Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Deferred Tax Assets and Liabilities

	March 31, 2013	June 30, 2012
Deferred tax assets:
Provision for losses on loans	$3,457,708	$3,247,995
Accrued compensation and benefits	189,481	171,113
Other-than-temporary impairment on             available for sale securities	261,405	261,405
NOL carry forwards acquired	152,606	159,613
Unrealized loss on other real estate	18,700	47,600
Total deferred tax assets	4,079,900	3,887,726
Deferred tax liabilities:
FHLB stock dividends	188,612	188,612
Purchase accounting adjustments	1,247,249	893,549
Depreciation	475,509	552,633
Prepaid expenses	202,612	123,704
Unrealized gain on available for sale             securities	382,880	400,554
Other	203,648	69,083
Total deferred tax liabilities	2,700,511	2,228,135
Net deferred tax (liability) asset	$1,379,389	$1,659,591