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Consolidated Statements of Income (USD $)
9 Months Ended 12 Months Ended
Dec. 31, 2012
Dec. 31, 2014
Dec. 31, 2013
Interest Income:      
Loans $ 17,907,415us-gaap_InterestAndFeeIncomeLoansAndLeases $ 19,416,904us-gaap_InterestAndFeeIncomeLoansAndLeases $ 21,583,028us-gaap_InterestAndFeeIncomeLoansAndLeases
Mortgage-Backed Securities 4,882,993us-gaap_InterestIncomeSecuritiesMortgageBacked 6,036,955us-gaap_InterestIncomeSecuritiesMortgageBacked 5,267,280us-gaap_InterestIncomeSecuritiesMortgageBacked
Investment Securities 1,994,411us-gaap_InvestmentIncomeInterestAndDividend 4,017,705us-gaap_InvestmentIncomeInterestAndDividend 3,588,794us-gaap_InvestmentIncomeInterestAndDividend
Other 6,405us-gaap_OtherInterestAndDividendIncome 10,600us-gaap_OtherInterestAndDividendIncome 8,265us-gaap_OtherInterestAndDividendIncome
Total Interest Income 24,791,224us-gaap_InterestAndDividendIncomeOperating 29,482,164us-gaap_InterestAndDividendIncomeOperating 30,447,367us-gaap_InterestAndDividendIncomeOperating
Interest Expense:      
NOW And Money Market Accounts 832,856us-gaap_InterestExpenseMoneyMarketDeposits 568,397us-gaap_InterestExpenseMoneyMarketDeposits 813,278us-gaap_InterestExpenseMoneyMarketDeposits
Statement Savings Accounts 32,720us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings 26,600us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings 33,897us-gaap_InterestExpenseDomesticDepositLiabilitiesSavings
Certificate Accounts 2,838,292us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit 1,990,003us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit 2,566,220us-gaap_InterestExpenseDomesticDepositLiabilitiesCertificatesOfDeposit
FHLB Advances And Other Borrowed Money 3,306,898us-gaap_InterestExpenseOtherShortTermBorrowings 2,640,197us-gaap_InterestExpenseOtherShortTermBorrowings 3,529,553us-gaap_InterestExpenseOtherShortTermBorrowings
Senior Convertible Debentures 365,040us-gaap_InterestExpenseSubordinatedNotesAndDebentures 486,720us-gaap_InterestExpenseSubordinatedNotesAndDebentures 486,720us-gaap_InterestExpenseSubordinatedNotesAndDebentures
Junior Subordinated Debentures 84,010us-gaap_InterestExpenseJuniorSubordinatedDebentures 101,139us-gaap_InterestExpenseJuniorSubordinatedDebentures 103,268us-gaap_InterestExpenseJuniorSubordinatedDebentures
Total Interest Expense 7,459,816us-gaap_InterestExpense 5,813,056us-gaap_InterestExpense 7,532,936us-gaap_InterestExpense
Net Interest Income 17,331,408us-gaap_InterestIncomeExpenseNet 23,669,108us-gaap_InterestIncomeExpenseNet 22,914,431us-gaap_InterestIncomeExpenseNet
Provision For Loan Losses (1,975,000)us-gaap_ProvisionForLoanAndLeaseLosses (450,000)us-gaap_ProvisionForLoanAndLeaseLosses (2,645,381)us-gaap_ProvisionForLoanAndLeaseLosses
Net Interest Income After Provision For Loan Losses 15,356,408us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 23,219,108us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss 20,269,050us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss
Non-Interest Income:      
Gain On Sale Of Investment Securities 945,476us-gaap_GainOnSaleOfInvestments 436,871us-gaap_GainOnSaleOfInvestments 1,325,823us-gaap_GainOnSaleOfInvestments
Gain On Sale Of Loans 498,879us-gaap_GainLossOnSalesOfLoansNet 620,994us-gaap_GainLossOnSalesOfLoansNet 779,554us-gaap_GainLossOnSalesOfLoansNet
Service Fees On Deposit Accounts 880,209us-gaap_FeesAndCommissionsDepositorAccounts 1,176,849us-gaap_FeesAndCommissionsDepositorAccounts 1,152,875us-gaap_FeesAndCommissionsDepositorAccounts
Commissions From Insurance Agency 346,015us-gaap_InsuranceCommissionsAndFees 424,969us-gaap_InsuranceCommissionsAndFees 453,446us-gaap_InsuranceCommissionsAndFees
Trust Income 380,000us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities 542,000us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities 520,000us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities
Bank Owned Life Insurance Income 315,000us-gaap_BankOwnedLifeInsuranceIncome 554,364us-gaap_BankOwnedLifeInsuranceIncome 339,000us-gaap_BankOwnedLifeInsuranceIncome
Check Card Fee Income 615,815us-gaap_FeesAndCommissionsOther 901,998us-gaap_FeesAndCommissionsOther 853,027us-gaap_FeesAndCommissionsOther
Revenue from Grants 0us-gaap_RevenueFromGrants 851,999us-gaap_RevenueFromGrants 929,346us-gaap_RevenueFromGrants
Other 383,460us-gaap_NoninterestIncomeOtherOperatingIncome 652,739us-gaap_NoninterestIncomeOtherOperatingIncome 542,733us-gaap_NoninterestIncomeOtherOperatingIncome
Total Non-Interest Income 4,364,854us-gaap_NoninterestIncome 6,162,783us-gaap_NoninterestIncome 6,895,804us-gaap_NoninterestIncome
General And Administrative Expenses:      
Compensation And Employee Benefits 7,978,054us-gaap_LaborAndRelatedExpense 11,308,610us-gaap_LaborAndRelatedExpense 10,964,366us-gaap_LaborAndRelatedExpense
Occupancy 1,498,858us-gaap_OccupancyNet 1,995,283us-gaap_OccupancyNet 1,970,403us-gaap_OccupancyNet
Advertising 303,754us-gaap_AdvertisingExpense 484,056us-gaap_AdvertisingExpense 355,678us-gaap_AdvertisingExpense
Depreciation And Maintenance Of Equipment 1,271,609us-gaap_Depreciation 1,665,454us-gaap_Depreciation 1,598,067us-gaap_Depreciation
FDIC Insurance Premiums 514,065us-gaap_FederalDepositInsuranceCorporationPremiumExpense 691,937us-gaap_FederalDepositInsuranceCorporationPremiumExpense 746,389us-gaap_FederalDepositInsuranceCorporationPremiumExpense
Amortization Of Intangibles 37,503us-gaap_AmortizationOfIntangibleAssets 11,970us-gaap_AmortizationOfIntangibleAssets 50,004us-gaap_AmortizationOfIntangibleAssets
Net Cost Of Operation Of Other Real Estate Owned 2,745,667us-gaap_OtherRevenueExpenseFromRealEstateOperations 541,840us-gaap_OtherRevenueExpenseFromRealEstateOperations 1,582,168us-gaap_OtherRevenueExpenseFromRealEstateOperations
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Repayment and Penalties 0us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties 178,067us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties 589,023us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresRepaymentAndPenalties
Other 2,713,044us-gaap_OtherExpenses 4,390,766us-gaap_OtherExpenses 4,177,210us-gaap_OtherExpenses
Total General And Administrative Expenses 17,062,554us-gaap_GeneralAndAdministrativeExpense 21,267,983us-gaap_GeneralAndAdministrativeExpense 22,033,308us-gaap_GeneralAndAdministrativeExpense
Income Before Income Taxes 2,658,708us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic 8,113,908us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic 5,131,546us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesDomestic
Provision For Income Taxes 703,759us-gaap_IncomeTaxExpenseBenefit 2,303,168us-gaap_IncomeTaxExpenseBenefit 1,340,384us-gaap_IncomeTaxExpenseBenefit
Net Income 1,954,949us-gaap_NetIncomeLoss 5,810,740us-gaap_NetIncomeLoss 3,791,162us-gaap_NetIncomeLoss
Preferred Stock Dividends 330,000us-gaap_DividendsPreferredStock 440,000us-gaap_DividendsPreferredStock 440,000us-gaap_DividendsPreferredStock
Net Income Available To Common Shareholders $ 1,624,949us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 5,370,740us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic $ 3,351,162us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic
Net Income Per Common Share (Basic) $ 0.55us-gaap_EarningsPerShareBasic $ 1.82us-gaap_EarningsPerShareBasic $ 1.14us-gaap_EarningsPerShareBasic
Net Income Per Common Share (Diluted) $ 0.55us-gaap_EarningsPerShareDiluted $ 1.75us-gaap_EarningsPerShareDiluted $ 1.12us-gaap_EarningsPerShareDiluted
Cash Dividend Per Share On Common Stock $ 0.24us-gaap_CommonStockDividendsPerShareCashPaid $ 0.32us-gaap_CommonStockDividendsPerShareCashPaid $ 0.32us-gaap_CommonStockDividendsPerShareCashPaid
Weighted Average Shares Outstanding (Basic) 2,944,001us-gaap_WeightedAverageNumberOfSharesOutstandingBasic 2,944,001us-gaap_WeightedAverageNumberOfSharesOutstandingBasic 2,944,001us-gaap_WeightedAverageNumberOfSharesOutstandingBasic
Weighted Average Shares Outstanding (Diluted) 2,944,001us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding 3,248,201us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding 3,248,201us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding