Note 11 - Deposits (Tables)

12 Months Ended

Dec. 31, 2019

Notes Tables

Deposit Liabilities, Type [Table Text Block]

			December 31, 2019								December 31, 2018
			Weighted Average Rate			Balance		Percentage of Deposits			Weighted Average Rate			Balance		Percentage of Deposits
Non-interest bearing transaction				0.00	%	$	87,598,281		10.7	%		0.00	%	$	88,907,804		11.9	%
Interest bearing transaction				0.93	%		487,621,927		59.3	%		1.16	%		388,515,712		51.8	%
Savings				0.28	%		39,203,818		4.8	%		0.30	%		39,663,846		5.3	%
				0.76	%		614,424,026		74.8	%		0.89	%		517,087,362		69.0	%
Certificates:
0.00%	-	0.99%		0.65	%		30,075,341		3.7	%		0.69	%		46,485,328		6.2	%
1.00%	-	1.99%		1.65	%		29,828,669		3.6	%		1.45	%		71,697,342		9.6	%
2.00%	-	3.99%		2.49	%		147,078,496		17.9	%		2.46	%		114,348,790		15.2	%
				2.10	%		206,982,506		25.2	%		1.79	%		232,531,460		31.0	%
Total Deposits				1.10	%	$	821,406,532		100.0	%		1.17	%	$	749,618,822		100.0	%

Time Deposit Maturities [Table Text Block]

2020	$	96,878,058
2021		89,261,262
2022		18,496,812
2023		1,032,949
2024		1,264,550
Thereafter		48,875
	$	206,982,506

Summary Of Interest Expense On Deposits [Table Text Block]

	Years ended
	December 31,
	2019			2018			2017
Transaction accounts	$	6,144,802		$	4,427,407		$	2,394,549
Savings accounts		119,730			105,592			58,384
Certificate accounts		4,754,944			2,524,098			1,309,629
Early withdrawal penalties		(28,023	)		(33,811	)		(10,997	)
	$	10,991,453		$	7,023,286		$	3,751,565