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Consolidated Balance Sheets (Unaudited) - USD ($)
Sep. 30, 2019
Dec. 31, 2018
ASSETS:    
Cash and Cash Equivalents $ 13,793,394 $ 12,705,910
Certificates of Deposit with Other Banks 950,005 1,200,010
Investment and Mortgage-Backed Securities:    
Available For Sale (AFS) 438,243,435 386,255,837
Investment and Mortgage-Backed Securities, Held to Maturity 21,416,599 23,638,013
Total Investments And Mortgage-Backed Securities 459,660,034 409,893,850
Loans Receivable, Net:    
Held For Sale 3,682,876 1,781,985
Loans and Leases Receivable, Net Amount 449,958,619 428,271,532
Total Loans Receivable, Net 453,641,495 430,053,517
Accrued Interest Receivable:    
Loans 1,149,852 1,257,683
Mortgage-Backed Securities 601,984 591,849
Investment Securities 1,728,088 1,877,844
Total Accrued Interest Receivable 3,479,924 3,727,376
Operating Lease, Right-of-Use Asset 2,811,157 0
Premises and Equipment, Net 26,377,920 24,174,707
Federal Home Loan Bank (FHLB) Stock, at Cost 2,852,900 2,204,000
Other Real Estate Owned (OREO) 703,540 722,442
Bank Owned Life Insurance (BOLI) 21,366,647 21,237,893
Goodwill 1,199,754 1,199,754
Other Assets 4,424,714 5,494,800
Total Assets 991,261,484 912,614,259
Liabilities:    
Deposit Accounts 814,620,366 767,496,707
Advance Payments By Borrowers For Taxes And Insurance 599,108 258,505
Advances From FHLB 47,800,000 34,030,000
Other Borrowings 14,988,524 10,698,429
Junior Subordinated Debentures 5,155,000  
Junior Subordinated Debentures 5,155,000 5,155,000
Notes Payable 0 2,362,500
Senior Convertible Debentures 6,044,000  
Senior Convertible Debentures 6,044,000 6,064,000
Operating Lease, Liability 2,829,652 0
Other Liabilities 6,922,828 6,030,685
Total Liabilities 898,959,478 832,095,826
Shareholders' Equity:    
Common Stock, $.01 Par Value; Authorized 5,000,000 Shares; Issued and Outstanding Shares, 3,156,858 and 2,955,925, Respectively, at June 30, 2019 and 3,154,829 and 2,953,896, Respectively, at December 31, 2018 31,573 31,548
Additional Paid-In Capital 12,294,432 12,235,341
Treasury Stock, at Cost (200,933 Shares) (4,330,712) (4,330,712)
Accumulated Other Comprehensive Income (Loss) (AOCI) 6,331,710 (27,909)
Retained Earnings 77,975,003 72,610,165
Total Shareholders' Equity 92,302,006 80,518,433
Total Liabilities and Shareholders' Equity $ 991,261,484 $ 912,614,259