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Consolidated Balance Sheets (Unaudited) - USD ($)
Mar. 31, 2019
Dec. 31, 2018
ASSETS:    
Cash and Cash Equivalents $ 19,120,091 $ 12,705,910
Certificates of Deposit with Other Banks 950,010 1,200,010
Investment and Mortgage-Backed Securities:    
Available For Sale (AFS) 402,351,692 386,255,837
Investment and Mortgage-Backed Securities, Held to Maturity 23,437,877 23,638,013
Total Investments And Mortgage-Backed Securities 425,789,569 409,893,850
Loans Receivable, Net:    
Held For Sale 2,436,445 1,781,985
Loans and Leases Receivable, Net Amount 426,877,148 428,271,532
Total Loans Receivable, Net 429,313,593 430,053,517
Accrued Interest Receivable:    
Loans 1,329,109 1,257,683
Mortgage-Backed Securities 604,260 591,849
Investment Securities 1,880,548 1,877,844
Total Accrued Interest Receivable 3,813,917 3,727,376
Operating Lease, Right-of-Use Asset 2,992,371 0
Premises and Equipment, Net 25,219,317 24,174,707
Federal Home Loan Bank (FHLB) Stock, at Cost 1,926,400 2,204,000
Other Real Estate Owned (OREO) 809,341 722,442
Bank Owned Life Insurance (BOLI) 21,372,893 21,237,893
Goodwill 1,199,754 1,199,754
Other Assets 4,697,041 5,494,800
Total Assets 937,204,297 912,614,259
Liabilities:    
Deposit Accounts 788,848,166 767,496,707
Advance Payments By Borrowers For Taxes And Insurance 412,542 258,505
Advances From FHLB 26,000,000 34,030,000
Other Borrowings 14,044,252 10,698,429
Junior Subordinated Debentures 5,155,000  
Junior Subordinated Debentures 5,155,000 5,155,000
Notes Payable 1,512,500 2,362,500
Senior Convertible Debentures 6,044,000  
Senior Convertible Debentures 6,044,000 6,064,000
Operating Lease, Liability 2,996,063 0
Other Liabilities 7,000,524 6,030,685
Total Liabilities 852,013,047 832,095,826
Shareholders' Equity:    
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued and Outstanding Shares, 3,156,290 and 2,955,357, Respectively, at March 31, 2019 and 3,154,829 and 2,953,896, Respectively, at December 31, 2018 31,563 31,548
Additional Paid-In Capital 12,267,335 12,235,341
Treasury Stock, at Cost (200,933 Shares) (4,330,712) (4,330,712)
Accumulated Other Comprehensive Income (Loss) (AOCI) 2,790,008 (27,909)
Retained Earnings 74,433,056 72,610,165
Total Shareholders' Equity 85,191,250 80,518,433
Total Liabilities and Shareholders' Equity $ 937,204,297 $ 912,614,259