CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 1,873,827	$ 2,107,359
Interest-bearing deposits with banks	310,849	310,739
Federal funds sold	6,484,000	8,364,000
Cash and cash equivalents	8,668,676	10,782,098
Investment securities available-for-sale, at fair value	7,307,995	7,572,029
Loans held for sale	2,331,995	3,260,761
Loans held at fair value	2,990,075	2,458,930
Loans, net of unearned discounts and deferred fees	31,717,320	33,519,042
Less allowance for loan losses	(384,354)	(418,013)
Net loans	31,332,966	33,101,029
Bank premises and equipment, net	471,198	492,730
Accrued interest receivable	190,379	175,416
Other real estate owned	462,977	479,627
Servicing asset	243,573	199,781
Prepaid expenses and other assets	502,274	461,837
Total assets	54,502,108	58,984,238
Liabilities:
Demand deposits, noninterest-bearing	15,858,955	16,417,150
Demand deposits, interest-bearing	12,588,299	13,605,888
Savings deposits	11,521,650	11,680,878
Time deposits, under $250,000	7,362,050	7,505,729
Time deposits, $250,000 and over	4,251,876	6,752,759
Total deposits	51,582,830	55,962,404
Accrued interest payable	11,432	9,157
Accrued expenses and other liabilities	363,118	332,915
Total liabilities	51,957,380	56,304,476
Shareholders' equity:
Series A preferred stock, noncumulative, 6%, $0.01 par value, 500,000 shares authorized; 99,442 issued and outstanding at March 31, 2016 and December 31, 2015	993	993
Common stock, $0.01 par value; 2,000,000 shares authorized; 826,921 issued and outstanding at March 31, 2016 and December 31, 2015	8,269	8,269
Additional paid-in-capital	14,752,644	14,752,644
Accumulated deficit	(12,261,799)	(12,062,818)
Accumulated other comprehensive income (loss)	44,621	(19,326)
Total shareholders' equity	2,544,728	2,679,762
Total liabilities and shareholders' equity	$ 54,502,108	$ 58,984,238