CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Assets:
Cash and due from banks	$ 1,569,933	$ 2,003,085
Interest-bearing deposits with banks	5,449,578	3,360,937
Federal funds sold and other cash equivalents	5,468,524	3,074,021
Cash and cash equivalents	12,488,035	8,438,043
Investment securities available-for-sale, at fair value	4,431,700	4,580,610
Loans held for sale	8,426,558	10,072,777
Loans held at fair value	5,886,789	5,420,004
Loans, net of unearned discounts and deferred fees	17,365,120	20,542,863
Less allowance for loan losses	(218,910)	(278,095)
Net loans	17,146,210	20,264,768
Operating lease right of use asset	1,644,806	0
Bank premises and equipment, net	106,172	163,124
Accrued interest receivable	167,303	152,953
Other real estate owned	235,571	391,571
Servicing asset	253,738	313,489
Prepaid expenses and other assets	448,561	397,284
Total assets	51,235,442	50,194,623
Liabilities:
Demand deposits, noninterest-bearing	16,788,603	16,216,607
Demand deposits, interest-bearing	14,170,026	13,599,641
Savings deposits	10,555,548	10,589,054
Time deposits, under $250,000	3,372,630	3,467,732
Time deposits, $250,000 and over	1,504,397	4,399,159
Total deposits	46,391,204	48,272,193
Operating lease liability	1,750,369	0
Accrued interest payable	6,100	17,376
Accrued expenses and other liabilities	164,429	145,308
Total liabilities	48,277,091	48,434,877
Shareholders' equity:
Common stock, $0.01 par value; 2,000,000 shares authorized; 826,921 issued and outstanding	8,269	8,269
Additional paid-in-capital	15,677,626	15,677,626
Accumulated deficit	(12,748,217)	(13,834,625)
Accumulated other comprehensive income (loss)	19,662	(92,535)
Total shareholders' equity	2,958,351	1,759,746
Total liabilities and shareholders' equity	51,235,442	50,194,623
Series B Preferred Stocks [Member]
Shareholders' equity:
Noncumulative, 6%, $0.01 par value, 500,000 shares authorized; 99,342 issued and outstanding	18	18
Series A Preferred Stocks [Member]
Shareholders' equity:
Noncumulative, 6%, $0.01 par value, 500,000 shares authorized; 99,342 issued and outstanding	$ 993	$ 993