Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2023	Dec. 31, 2022
ASSETS:
Cash and Cash Equivalents	$ 84,223,575	$ 28,502,364
Certificates of Deposit with Other Banks	1,100,045	1,100,045
Investments:
Available For Sale ("AFS")	531,421,573	550,148,284
Held To Maturity ("HTM") Net of Allowance for Credit Losses of $0 (Fair Value of $166,638,696 and $161,463,573 at September 30, 2023 and December 31, 2022, Respectively)	174,136,215	167,437,616
Total Investments	705,557,788	717,585,900
Loans Receivable, Net:
Held For Sale	1,053,486	913,258
Held For Investment (Net of Allowance for Credit Losses of $12,348,125 and $11,177,753 at September 30, 2023 and December 31, 2022, Respectively)	596,975,716	549,003,912
Total Loans Receivable, Net	598,029,202	549,917,170
Accrued Interest Receivable:
Loans	1,548,714	1,462,039
Investments	3,848,991	3,348,635
Total Accrued Interest Receivable	5,397,705	4,810,674
Operating Lease Right-of-Use ("ROU") Assets	1,518,473	1,860,997
Land Held for Sale	938,214	1,096,614
Premises and Equipment, Net	28,703,449	27,959,793
Federal Home Loan Bank ("FHLB") Stock, at Cost	921,900	650,600
Other Real Estate Owned ("OREO")	0	119,700
Bank Owned Life Insurance ("BOLI")	27,787,273	27,318,098
Goodwill	1,199,754	1,199,754
Other Assets	21,952,627	19,244,454
Total Assets	1,477,330,005	1,381,366,163
LIABILITIES:
Deposit Accounts	1,186,053,024	1,110,085,296
Borrowings from Federal Reserve Bank ("FRB")	69,200,000	44,080,000
Other Borrowings	19,043,445	27,588,147
Junior Subordinated Debentures	5,155,000	5,155,000
Subordinated Debentures	26,500,000	26,500,000
Operating Lease Liabilities	1,559,558	1,904,285
Other Liabilities	10,823,070	5,819,807
Total Liabilities	1,318,334,097	1,221,132,535
SHAREHOLDERS’ EQUITY:
Senior Non-Cumulative Perpetual Preferred Stock, Series ECIP, $1,000 Par Value; 82,949 Shares Authorized, Issued and Outstanding at September 30, 2023 and December 31, 2022	82,949,000	82,949,000
Common Stock, $0.01 Par Value; 5,000,000 Shares Authorized; 3,455,446 and 3,453,817 Shares Issued and 3,241,813 and 3,252,884 Shares Outstanding at September 30, 2023 and December 31, 2022, Respectively	34,555	34,538
Additional Paid-In Capital ("APIC")	18,268,955	18,230,187
Treasury Stock, at Cost; 213,633 and 200,933 Shares Outstanding at September 30, 2023 and December 31, 2022, Respectively	(4,622,812)	(4,330,712)
Accumulated Other Comprehensive Loss ("AOCI")	(45,491,780)	(40,778,646)
Retained Earnings	107,857,990	104,129,261
Total Shareholders' Equity	158,995,908	160,233,628
Total Liabilities and Shareholders' Equity	$ 1,477,330,005	$ 1,381,366,163