CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2016	Dec. 31, 2015
Assets
Cash and due from banks	$ 1,875,628	$ 2,107,359
Interest-bearing deposits with banks	311,176	310,739
Federal funds sold	7,413,000	8,364,000
Cash and cash equivalents	9,599,804	10,782,098
Investment securities available-for-sale, at fair value	6,283,682	7,572,029
Loans held for sale	6,602,035	3,260,761
Loans held at fair value	3,726,003	2,458,930
Loans, net of unearned discounts and deferred fees	28,305,134	33,519,042
Less allowance for loan losses	(316,979)	(418,013)
Net loans	27,988,155	33,101,029
Bank premises and equipment, net	427,543	492,730
Accrued interest receivable	140,756	175,416
Other real estate owned	447,371	479,627
Servicing asset	283,069	199,781
Prepaid expenses and other assets	452,464	461,837
Total assets	55,950,882	58,984,238
Liabilities:
Demand deposits, noninterest-bearing	15,078,236	16,417,150
Demand deposits, interest-bearing	14,288,590	13,605,888
Savings deposits	11,865,814	11,680,878
Time deposits, under $250,000	5,303,819	7,505,729
Time deposits, $250,000 and over	6,291,146	6,752,759
Total deposits	52,827,605	55,962,404
Accrued interest payable	10,488	9,157
Accrued expenses and other liabilities	349,027	332,915
Total liabilities	53,187,120	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 September 30, 2016 and December 31, 2015	993	993
Common stock, $0.01 par value; 2,000,000 shares authorized; 826,921 issued and outstanding at September 30, 2016 and December 31, 2015	8,269	8,269
Additional paid-in-capital	14,752,644	14,752,644
Accumulated deficit	(12,064,660)	(12,062,818)
Accumulated other comprehensive income (loss)	66,516	(19,326)
Total shareholders' equity	2,763,762	2,679,762
Total liabilities and shareholders' equity	$ 55,950,882	$ 58,984,238