Note 11: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)

12 Months Ended

Jun. 30, 2013

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

	Year ended June 30,
	2013	2012	2011
Tax at statutory rate	$4,767,373	$4,996,427	$5,923,356
Increase (reduction) in taxes       resulting from:
Nontaxable municipal income	(505,941)	(469,200)	(384,457)
State tax, net of Federal benefit	335,940	368,775	460,690
Cash surrender value of                   Bank-owned life insurance	(173,245)	(116,631)	(94,364)
Tax credit benefits	(341,755)	(236,451)	(119,901)
Other, net	(127,901)	54,189	166,279
ACTUAL PROVISION	$3,954,471	$4,597,109	$5,951,603