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

3 Months Ended

Mar. 31, 2013

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

	For the three-month period ended		For the nine-month period ended
	March 31, 2013	March 31, 2012	March 31, 2013	March 31, 2012
Tax at statutory rate	$1,144,766	$1,081,931	$3,618,928	$3,899,220
Increase (reduction) in taxes       resulting from:
Nontaxable municipal income	(127,011)	(126,381)	(379,671)	(344,055)
State tax, net of Federal benefit	80,520	75,240	257,400	294,327
Cash surrender value of                   Bank-owned life insurance	(42,765)	(24,201)	(129,307)	(72,804)
Tax credit benefits	(114,222)	(29,976)	(227,533)	(89,926)
Other, net	(40,439)	29,495	(33,195)	80,659
Actual provision	$900,849	$1,006,107	$3,106,621	$3,767,421