Note 8: Income Taxes: Schedule of Effective Income Tax Rate Reconciliation (Tables)

3 Months Ended

Sep. 30, 2013

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

	For the three-month period ended
	September 30, 2013	September 30, 2012
Tax at statutory rate	$1,219,419	$1,268,588
Increase (reduction) in taxes       resulting from:
Nontaxable municipal income	(128,576)	(124,268)
State tax, net of Federal benefit	81,180	92,400
Cash surrender value of                   Bank-owned life insurance	(43,830)	(42,779)
Tax credit benefits	(81,425)	(56,656)
Other, net	(23,321)	3,601
Actual provision	$1,023,447	$1,140,886