CONSOLIDATED STATEMENTS OF CASH FLOWS (USD $)	3 Months Ended
	Sep. 30, 2012	Sep. 30, 2011
Operating activities:
Net income (loss)	$ 1,551,087	$ (820,597)
Adjustments to reconcile net income to net cash flow from operating activities
Accretion of discount on available for sale securities	(6,180)	(8,940)
Depreciation and amortization	176,153	177,621
Provision for loan losses	1,050,000	1,500,000
Gain on the sale of loans receivable held for sale	(3,550,824)	(847,607)
(Gain) loss on the sale of SBA loans	3,686	(221,218)
Provision for real estate owned losses	233,719	69,400
Accretion (defferral) of loan origination fees, net	(95,144)	633,032
(Gain) loss on disposal of real estate owned, net	17,881	(140,112)
Market adjustment for loans held for sale	87,634	(231,052)
Change in fair value of mortgage banking derivatives	(567,931)	(748,776)
Stock compensation	399,606	61,005
Proceeds from loans receivable held for sale	112,540,431	44,937,267
Origination of loans receivable held for sale, net	(105,332,333)	(47,622,223)
Increase in cash surrender value of bank-owned life insurance	(47,466)	(62,699)
Net change in other assets and other liabilities	(2,745,430)	2,482,067
Net cash from (used in) operating activities	3,714,889	(842,833)
Investing activities:
Loan repayments and originations, net	(3,323,245)	2,899,216
Principal repayments on securities available for sale	1,881,562	246,328
Calls of securities available for sale	5,750,000	8,950,000
Purchase of securities available for sale	(7,024,690)	(3,000,000)
Additions to office properties and equipment, net	(225,050)	(146,920)
Proceeds from sale of real estate owned	1,059,485	657,264
Net cash from (used in) investing activities	(1,881,938)	9,605,888
Financing activities:
Net increase in demand deposits, NOW and passbook savings	12,928,106	(1,518,884)
Net decrease in time deposits	(22,756,787)	(2,530,726)
Repayment of note payable	(26,666)	(26,667)
Net increase (decrease) in advances from borrowers for taxes and insurance	2,485,954	(3,705,833)
Proceeds from the issuance of common shares	1,744
Net cash from (used in) financing activities	(7,367,649)	(7,782,110)
Net increase (decrease) in cash and cash equivalents	(5,534,698)	980,945
Cash and cash equivalents at beginning of year	120,110,140	149,291,405
Cash and cash equivalents at end of year	114,575,442	150,272,350
Supplemental disclosures of cash flow information:
Cash payments of interest	1,589,416	2,221,594
Cash payments of income taxes
Supplemental noncash investing activity:
Transfer of loans to real estate owned	$ 809,626	$ 538,978