XML 90 R84.htm IDEA: XBRL DOCUMENT v2.4.0.6
Note 4: Loans and Allowance For Loan Losses: Schedule of Allowance for Loan Losses and Recorded Investment Based on Portfolio Segment and Impairment Methods (Details) (USD $)
3 Months Ended 9 Months Ended 12 Months Ended
Mar. 31, 2013
Mar. 31, 2012
Mar. 31, 2013
Mar. 31, 2012
Jun. 30, 2012
Residential Mortgage
         
AllowanceBalanceBeginningOfPeriod $ 1,722,583 $ 1,838,114 $ 1,635,346 $ 1,618,285 $ 1,635,346
Provision for Loan Losses Expensed 61,615 (164,982) 351,869 139,665  
Allowance for Loan and Lease Losses, Write-offs (36,028)   (239,270) (91,369)  
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 112 63 337 6,614  
Allowance balance end of period 1,748,282 1,673,195 1,748,282 1,673,195  
Residential Mortgage | Ending Balance
         
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,748,282 1,673,195 1,748,282 1,673,195 1,635,346
Residential Mortgage | Loans
         
Financing Receivable, Collectively Evaluated for Impairment 228,094,698   228,094,698   199,514,689
LoansReceivableAcquiredWithDeterioratedCreditQuality     1,678,650   1,498,009
Construction Loan Payable
         
AllowanceBalanceBeginningOfPeriod 152,256 183,020 243,169 192,752 243,169
Provision for Loan Losses Expensed 42,987 (2,676) (47,926) (12,868)  
Allowance for Loan and Lease Losses, Recoveries of Bad Debts   341   801  
Allowance balance end of period 195,243 180,685 195,243 180,685  
Construction Loan Payable | Ending Balance
         
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 195,243 180,685 195,243 180,685 243,169
Construction Loan Payable | Loans
         
Financing Receivable, Collectively Evaluated for Impairment 17,110,017   17,110,017   22,811,575
Commercial Real Estate
         
AllowanceBalanceBeginningOfPeriod 3,388,656 2,650,831 2,985,838 2,671,482 2,985,838
Provision for Loan Losses Expensed 144,410 141,102 959,838 144,844  
Allowance for Loan and Lease Losses, Write-offs     (417,071) (24,824)  
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 457   4,918 430  
Allowance balance end of period 3,533,523 2,791,932 3,533,523 2,791,932  
Commercial Real Estate | Ending Balance
         
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 100,000 316,591 100,000 316,591 347,815
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 3,433,523 2,333,611 3,433,523 2,333,611 2,632,679
Financing Receivable, Allowance for Credit Losses, Acquired with Deteriorated Credit Quality   141,730   141,730 5,344
Commercial Real Estate | Loans
         
Financing Receivable, Individually Evaluated for Impairment 161,878   161,878   976,881
Financing Receivable, Collectively Evaluated for Impairment 234,985,032   234,985,032   198,296,430
LoansReceivableAcquiredWithDeterioratedCreditQuality     1,643,128   1,684,118
Consumer Loan
         
AllowanceBalanceBeginningOfPeriod 526,386 534,780 483,597 441,207 483,597
Provision for Loan Losses Expensed 18,389 (1,020) 63,069 213,176  
Allowance for Loan and Lease Losses, Write-offs (12,416) (9,235) (21,005) (137,002)  
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 2,084 3,671 8,782 10,814  
Allowance balance end of period 534,443 528,195 534,443 528,195  
Consumer Loan | Ending Balance
         
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 534,443 528,195 534,443 528,195 483,597
Consumer Loan | Loans
         
Financing Receivable, Collectively Evaluated for Impairment 27,737,657   27,737,657   28,985,905
Commercial Loan
         
AllowanceBalanceBeginningOfPeriod 2,130,320 1,839,846 2,144,104 1,514,725 2,144,104
Provision for Loan Losses Expensed (39,025) 242,914 (25,769) 592,636  
Allowance for Loan and Lease Losses, Write-offs     (29,466) (33,625)  
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 6,071 1,944 8,497 10,968  
Allowance balance end of period 2,097,366 2,084,704 2,097,366 2,084,704  
Commercial Loan | Ending Balance
         
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment   482,145   482,145  
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 1,539,877 1,589,697 1,539,877 1,589,697 1,767,967
Financing Receivable, Allowance for Credit Losses, Acquired with Deteriorated Credit Quality 557,489 12,862 557,489 12,862 376,137
Commercial Loan | Loans
         
Financing Receivable, Collectively Evaluated for Impairment 112,483,065   112,483,065   135,649,513
LoansReceivableAcquiredWithDeterioratedCreditQuality     1,265,300   1,354,709
Total Loans
         
AllowanceBalanceBeginningOfPeriod 7,920,201 7,046,590 7,492,054 6,438,451 7,492,054
Provision for Loan Losses Expensed 228,375 215,338 1,301,081 1,077,454  
Allowance for Loan and Lease Losses, Write-offs (48,444) (9,235) (706,812) (286,820)  
Allowance for Loan and Lease Losses, Recoveries of Bad Debts 8,724 6,019 22,534 29,627  
Allowance balance end of period 8,108,857 7,258,712 8,108,857 7,258,712  
Total Loans | Ending Balance
         
Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment 100,000 798,736 100,000 798,736 347,815
Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment 7,451,368 6,305,384 7,451,368 6,305,384 6,762,758
Financing Receivable, Allowance for Credit Losses, Acquired with Deteriorated Credit Quality 557,489 154,592 557,489 154,592 381,481
Total Loans | Loans
         
Financing Receivable, Individually Evaluated for Impairment 161,878   161,878   976,881
Financing Receivable, Collectively Evaluated for Impairment 620,410,469   620,410,469   585,258,112
LoansReceivableAcquiredWithDeterioratedCreditQuality     $ 4,587,078   $ 4,536,836