Income Taxes: Schedule of Deferred Tax Assets and Liabilities (Tables)

12 Months Ended

Dec. 31, 2012

Tables/Schedules

Schedule of Deferred Tax Assets and Liabilities

	December 31, 2012	December 31, 2011
Deferred tax assets(liabilities):
Provision for loan losses	$333,853	$212,652
Unrealized gain on investment securities	(17,334)	(19,710)
Depreciation	94,393	369,764
Net operating loss carryforwards	2,897,243	2,313,074
Other, net	134,614	159,278
Valuation allowance for deferred tax assets	(3,442,769)	(3,035,058)
Net deferred tax assets	-	-