Consolidated Statements of Income (USD $)	3 Months Ended
	Mar. 31, 2014	Mar. 31, 2013
INTEREST INCOME
Loans, including fees	$ 4,095,468	$ 4,141,736
Securities and interest-bearing deposits at other financial institutions	430,490	439,906
Federal funds sold	7,163	21,472
Total interest income	4,533,121	4,603,114
INTEREST EXPENSE
Time deposits	375,490	465,256
Other deposits	67,074	137,930
Federal funds purchased and securities sold under agreements to repurchase	18,660	18,080
Federal Home Loan Bank advances and other borrowings	261,410	340,439
Total interest expense	722,634	961,705
Net interest income before provision for loan losses	3,810,487	3,641,409
Provision for loan losses	165,000	300,000
Net interest income after provision for loan losses	3,645,487	3,341,409
NONINTEREST INCOME
Customer service fees	188,911	188,481
Net gains from sale of securities	102,272	0
Net gains from sale of loans and other assets	18,914	149,200
Other noninterest income	12,216	17,818
Total noninterest income	322,313	355,499
NONINTEREST EXPENSE
Salaries and employee benefits	1,826,984	1,597,291
Net occupancy and equipment expense	308,832	337,879
Depository insurance	154,676	159,844
Foreclosed assets, net	349,370	128,692
Other operating expenses	661,187	752,174
Total noninterest expenses	3,301,049	2,975,880
Income before income tax expense	666,751	721,028
Income tax expense	254,600	268,900
Net income	412,151	452,128
Preferred stock dividend requirements	375,000	375,000
Accretion on preferred stock discount	17,846	17,845
Net income available to common shareholders	$ 19,305	$ 59,283
EARNINGS PER COMMON SHARE
Basic (in dollars per share)	$ 0	$ 0.01
Diluted (in dollars per share)	$ 0	$ 0.01
DIVIDENDS DECLARED PER COMMON SHARE (in dollars per share)	$ 0	$ 0