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Consolidated Balance Sheets (Unaudited) - USD ($)
Mar. 31, 2018
Dec. 31, 2017
ASSETS:    
Cash and Cash Equivalents $ 15,598,549 $ 10,319,624
Certificates of Deposit with Other Banks 1,950,010 1,950,010
Investment and Mortgage-Backed Securities:    
Available For Sale (AFS) 358,852,200 384,973,906
Investment and Mortgage-Backed Securities, Held to Maturity 24,258,599 27,080,970
Total Investments And Mortgage-Backed Securities 383,110,799 412,054,876
Loans Receivable, Net:    
Held For Sale 2,407,478 3,051,950
Loans and Leases Receivable, Net Amount 414,057,783 387,441,247
Total Loans Receivable, Net 416,465,261 390,493,197
Accrued Interest Receivable:    
Loans 1,221,584 1,067,657
Mortgage-Backed Securities 544,327 589,000
Investment Securities 1,591,519 1,699,961
Total Accrued Interest Receivable 3,357,430 3,356,618
Premises and Equipment, Net 22,840,720 22,797,844
Federal Home Loan Bank (FHLB) Stock, at Cost 2,532,800 2,931,900
Other Real Estate Owned (OREO) 1,073,856 1,115,671
Bank Owned Life Insurance (BOLI) 18,932,893 18,797,893
Goodwill 1,199,754 1,199,754
Other Assets 4,624,012 3,795,212
Total Assets 871,686,084 868,812,599
Liabilities:    
Deposit Accounts 716,666,452 702,106,619
Advance Payments By Borrowers For Taxes And Insurance 427,603 269,761
Advances From FHLB 41,000,000 51,680,000
Other Borrowings 13,779,454 11,307,161
Junior Subordinated Debentures 5,155,000  
Junior Subordinated Debentures 5,155,000 5,155,000
Notes Payable 6,200,000 8,500,000
Senior Convertible Debentures 6,064,000  
Senior Convertible Debentures 6,064,000 6,064,000
Other Liabilities 6,093,678 5,806,604
Total Liabilities 795,386,187 790,889,145
Shareholders' Equity:    
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued and Outstanding Shares, 3,154,527 and 2,953,324, Respectively, at March 31, 2018 and 3,153,907 and 2,952,974, Respectively, at December 31, 2017 31,543 31,539
Additional Paid-In Capital 12,220,859 12,212,844
Treasury Stock, at Cost (200,933 Shares) (4,330,712) (4,330,712)
Accumulated Other Comprehensive Income (AOCI) 447,409 2,932,122
Retained Earnings 67,930,798 67,077,661
Total Shareholders' Equity 76,299,897 77,923,454
Total Liabilities and Shareholders' Equity $ 871,686,084 $ 868,812,599