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Consolidated Balance Sheets (Unaudited) - USD ($)
Sep. 30, 2018
Dec. 31, 2017
ASSETS:    
Cash and Cash Equivalents $ 20,109,901 $ 10,319,624
Certificates of Deposit with Other Banks 1,950,010 1,950,010
Investment and Mortgage-Backed Securities:    
Available For Sale (AFS) 373,752,293 384,973,906
Investment and Mortgage-Backed Securities, Held to Maturity 22,292,027 27,080,970
Total Investments And Mortgage-Backed Securities 396,044,320 412,054,876
Loans Receivable, Net:    
Held For Sale 737,098 3,051,950
Loans and Leases Receivable, Net Amount 423,242,690 387,441,247
Total Loans Receivable, Net 423,979,788 390,493,197
Accrued Interest Receivable:    
Loans 1,197,332 1,067,657
Mortgage-Backed Securities 577,644 589,000
Investment Securities 1,750,315 1,699,961
Total Accrued Interest Receivable 3,525,291 3,356,618
Premises and Equipment, Net 24,060,662 22,797,844
Federal Home Loan Bank (FHLB) Stock, at Cost 2,485,700 2,931,900
Other Real Estate Owned (OREO) 858,242 1,115,671
Bank Owned Life Insurance (BOLI) 21,102,893 18,797,893
Goodwill 1,199,754 1,199,754
Other Assets 6,918,380 3,795,212
Total Assets 902,234,941 868,812,599
Liabilities:    
Deposit Accounts 750,998,309 702,106,619
Advance Payments By Borrowers For Taxes And Insurance 633,625 269,761
Advances From FHLB 39,000,000 51,680,000
Other Borrowings 12,652,270 11,307,161
Junior Subordinated Debentures 5,155,000  
Junior Subordinated Debentures 5,155,000 5,155,000
Notes Payable 3,900,000 8,500,000
Senior Convertible Debentures 6,064,000  
Senior Convertible Debentures 6,064,000 6,064,000
Other Liabilities 6,945,324 5,806,604
Total Liabilities 825,348,528 790,889,145
Shareholders' Equity:    
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued and Outstanding Shares, 3,154,357 and 2,953,424, Respectively, at June 30, 2018 and 3,153,907 and 2,952,974, Respectively, at December 31, 2017 31,544 31,539
Additional Paid-In Capital 12,223,149 12,212,844
Treasury Stock, at Cost (200,933 Shares) (4,330,712) (4,330,712)
Accumulated Other Comprehensive Income (AOCI) (2,364,215) 2,932,122
Retained Earnings 71,326,647 67,077,661
Total Shareholders' Equity 76,886,413 77,923,454
Total Liabilities and Shareholders' Equity $ 902,234,941 $ 868,812,599