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CONSOLIDATED BALANCE SHEETS (USD $)
Dec. 31, 2012
Dec. 31, 2011
ASSETS    
Cash and due from financial institutions $ 2,979,189us-gaap_CashAndDueFromBanks $ 2,426,142us-gaap_CashAndDueFromBanks
Interest-bearing deposits in other financial institutions 17,317,926us-gaap_InterestBearingDepositsInBanks 6,493,426us-gaap_InterestBearingDepositsInBanks
Cash and cash equivalents 20,297,115us-gaap_CashAndCashEquivalentsAtCarryingValue 8,919,568us-gaap_CashAndCashEquivalentsAtCarryingValue
Securities available for sale (at fair value) 41,460,396us-gaap_AvailableForSaleSecurities 34,572,103us-gaap_AvailableForSaleSecurities
Loans held for sale 6,040,869us-gaap_LoansReceivableHeldForSaleAmount 5,534,983us-gaap_LoansReceivableHeldForSaleAmount
Loans 125,830,250us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome 149,658,931us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome
Less: Allowance for loan losses 3,382,977us-gaap_LoansAndLeasesReceivableAllowance 5,299,454us-gaap_LoansAndLeasesReceivableAllowance
Net loans 122,447,273us-gaap_LoansAndLeasesReceivableNetReportedAmount 144,359,477us-gaap_LoansAndLeasesReceivableNetReportedAmount
Federal Home Loan Bank stock (at cost) 450,800us-gaap_FederalHomeLoanBankStock 450,800us-gaap_FederalHomeLoanBankStock
Premises and equipment, net 9,420,886us-gaap_PropertyPlantAndEquipmentNet 10,404,865us-gaap_PropertyPlantAndEquipmentNet
Accrued interest receivable 592,043us-gaap_InterestReceivable 746,143us-gaap_InterestReceivable
Foreclosed assets 2,806,781us-gaap_ForeclosedAssets 3,276,838us-gaap_ForeclosedAssets
Other assets 715,200us-gaap_OtherAssets 386,524us-gaap_OtherAssets
Total assets 204,231,363us-gaap_Assets 208,651,301us-gaap_Assets
Deposits    
Non-interest-bearing 40,271,190us-gaap_NoninterestBearingDepositLiabilities 33,281,198us-gaap_NoninterestBearingDepositLiabilities
Interest-bearing 143,905,303us-gaap_InterestBearingDepositLiabilities 158,264,038us-gaap_InterestBearingDepositLiabilities
Total deposits 184,176,493us-gaap_Deposits 191,545,236us-gaap_Deposits
Federal funds purchased and repurchase agreements 10,190,059us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase 7,814,745us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase
Notes payable 5,000,000us-gaap_NotesPayable 5,000,000us-gaap_NotesPayable
Subordinated debentures 4,500,000us-gaap_SubordinatedDebt 4,500,000us-gaap_SubordinatedDebt
Accrued expenses and other liabilities 1,603,907us-gaap_AccruedLiabilitiesCurrentAndNoncurrent 1,211,702us-gaap_AccruedLiabilitiesCurrentAndNoncurrent
Total liabilities 205,470,459us-gaap_Liabilities 210,071,683us-gaap_Liabilities
Shareholders’ equity    
Preferred Stock, no par value: 1,000,000 shares authorized and none issued 0us-gaap_PreferredStockValue 0us-gaap_PreferredStockValue
Common Stock, no par value: 9,000,000 shares authorized; 1,468,800 issued and outstanding 13,296,691us-gaap_CommonStockValue 13,296,691us-gaap_CommonStockValue
Retained deficit (14,816,593)us-gaap_RetainedEarningsAccumulatedDeficit (15,084,431)us-gaap_RetainedEarningsAccumulatedDeficit
Accumulated other comprehensive income 280,806us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax 367,358us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax
Total shareholders’ equity (1,239,096)us-gaap_StockholdersEquity (1,420,382)us-gaap_StockholdersEquity
Total liabilities and shareholders’ equity $ 204,231,363us-gaap_LiabilitiesAndStockholdersEquity $ 208,651,301us-gaap_LiabilitiesAndStockholdersEquity