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

12 Months Ended

Jun. 30, 2016

Tables/Schedules

Schedule of Effective Income Tax Rate Reconciliation

	For the year ended June 30
(dollars in thousands)	2016	2015	2014
Tax at statutory rate	$                             7,536	$                             6,903	$                             4,701
Increase (reduction) in taxes       resulting from:
Nontaxable municipal income	(567)	(530)	(524)
State tax, net of Federal benefit	624	523	296
Cash surrender value of                   Bank-owned life insurance	(325)	(193)	(184)
Tax credit benefits	(286)	(364)	(391)
Other, net	(300)	(283)	(153)
Actual provision	$                             6,682	$                             6,056	$                             3,745