XML 135 R125.htm IDEA: XBRL DOCUMENT v2.4.0.8
Note 3: Loans and Allowance For Loan Losses: Schedule of Balance in Allowance for Loan Losses Based On Portfolio Segment and Impairment (Details) (USD $)
12 Months Ended
Jun. 30, 2014
Jun. 30, 2013
Jun. 30, 2012
Residential Mortgage
     
Provision for Loan Losses Expensed $ 804,560 $ 472,183 $ 108,318
Allowance for Loan and Lease Losses, Write-offs (168,912) (301,836) (98,189)
Allowance for Doubtful Accounts Receivable, Recoveries 15,892 4,282 6,932
Residential Mortgage | Beginning of Period
     
Allowance for loan losses 1,809,975 1,635,346 1,618,285
Residential Mortgage | End of Period
     
Allowance for loan losses 2,461,515 1,809,975 1,635,346
Financing Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 2,461,515 1,809,975  
Financing Receivable Collectively Evaluated for Impairment 302,111,542 232,186,722  
Financing Receivable Acquired with Deteriorated Credit Quality 1,789,895 1,701,720  
Construction Loan Payable
     
Provision for Loan Losses Expensed 82,817 64,481 49,276
Allowance for Loan and Lease Losses, Write-offs   (35,351)  
Allowance for Doubtful Accounts Receivable, Recoveries   363 1,141
Construction Loan Payable | Beginning of Period
     
Allowance for loan losses 272,662 243,169 192,752
Construction Loan Payable | End of Period
     
Allowance for loan losses 355,479 272,662 243,169
Financing Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 355,479 272,662  
Financing Receivable Collectively Evaluated for Impairment 21,476,875 19,932,817  
Commercial Real Estate
     
Provision for Loan Losses Expensed 635,193 1,033,791 354,814
Allowance for Loan and Lease Losses, Write-offs (95,623) (422,071) (40,888)
Allowance for Doubtful Accounts Receivable, Recoveries 960 4,984 430
Commercial Real Estate | Beginning of Period
     
Allowance for loan losses 3,602,542 2,985,838 2,671,482
Commercial Real Estate | End of Period
     
Allowance for loan losses 4,143,072 3,602,542 2,985,838
Financing Receivable Allowance for Credit Losses Individually Evaluated for Impairment   85,000  
Financing Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 4,143,072 3,517,542  
Financing Receivable Individually Evaluated for Impairment   144,328  
Financing Receivable Collectively Evaluated for Impairment 307,253,137 240,888,891  
Financing Receivable Acquired with Deteriorated Credit Quality 1,266,856 1,270,703  
Consumer Loan
     
Provision for Loan Losses Expensed 88,579 19,437 223,046
Allowance for Loan and Lease Losses, Write-offs (58,695) (47,106) (195,311)
Allowance for Doubtful Accounts Receivable, Recoveries 17,526 15,738 14,655
Consumer Loan | Beginning of Period
     
Allowance for loan losses 471,666 483,597 441,207
Consumer Loan | End of Period
     
Allowance for loan losses 519,076 471,666 483,597
Financing Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 519,076 471,666  
Financing Receivable Collectively Evaluated for Impairment 35,222,764 28,414,878  
Commercial Loan
     
Provision for Loan Losses Expensed 34,470 126,158 1,049,261
Allowance for Loan and Lease Losses, Write-offs (578,537) (49,431) (435,770)
Allowance for Doubtful Accounts Receivable, Recoveries 95,087 8,304 15,888
Commercial Loan | Beginning of Period
     
Allowance for loan losses 2,229,135 2,144,104 1,514,725
Commercial Loan | End of Period
     
Allowance for loan losses 1,780,155 2,229,135 2,144,104
Financing Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 1,780,155 1,671,646  
Financing Receivable Allowance for Credit Losses Acquired with Deteriorated Credit Quality   557,489  
Financing Receivable Collectively Evaluated for Impairment 140,956,945 129,735,511  
Financing Receivable Acquired with Deteriorated Credit Quality 115,481 1,132,973  
Total loans
     
Provision for Loan Losses Expensed 1,645,619 1,716,050 1,784,715
Allowance for Loan and Lease Losses, Write-offs (901,767) (855,795) (770,158)
Allowance for Doubtful Accounts Receivable, Recoveries 129,465 33,671 39,046
Total loans | Beginning of Period
     
Allowance for loan losses 8,385,980 7,492,054 6,438,451
Total loans | End of Period
     
Allowance for loan losses 9,259,297 8,385,980 7,492,054
Financing Receivable Allowance for Credit Losses Individually Evaluated for Impairment   85,000  
Financing Receivable Allowance for Credit Losses Collectively Evaluated for Impairment 9,259,297 7,743,491  
Financing Receivable Allowance for Credit Losses Acquired with Deteriorated Credit Quality   557,489  
Financing Receivable Individually Evaluated for Impairment   144,328  
Financing Receivable Collectively Evaluated for Impairment 807,021,263 651,158,819  
Financing Receivable Acquired with Deteriorated Credit Quality $ 3,172,232 $ 4,105,396