CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 3,772,798	$ 5,959,864
Interest-bearing deposits with banks	12,145,000	13,865,000
Total cash and cash equivalents	15,917,798	19,824,864
Loans held for investment	196,956,689	194,031,590
Allowance for loan losses	(2,052,365)	(1,894,196)
Loans held for investment, net	194,904,324	192,137,394
Loans held for sale	17,597,841	11,380,627
Available-for-sale securities	29,481,319	28,630,551
Other real estate	501,558	306,000
Premises and equipment, net	9,800,123	9,801,328
Stock in financial institutions	1,552,961	1,546,847
Accrued interest receivable	678,287	698,904
Bank owned life insurance	5,386,242	5,355,013
Core deposit intangible	341,237	362,780
Prepaid and other assets	2,344,340	940,099
TOTAL ASSETS	278,506,030	270,984,407
Deposits
Demand deposits	40,758,662	37,969,000
Savings and NOW deposits	122,114,090	113,624,419
Time deposits	71,756,018	74,106,894
Total deposits	234,628,770	225,700,313
Federal Home Loan Bank advances	11,000,000	13,000,000
Escrows	370,154	277,370
Accrued interest and other liabilities	2,616,782	2,363,000
Total liabilities	$ 248,615,706	$ 241,340,683
Commitments and contingencies
Stockholders' equity
Common stock, $0.10 par value; 20,000,000 shares authorized, 1,685,132 issued, 1,679,500 outstanding at March 31, 2016 and December 31, 2015.	$ 168,513	$ 168,513
Additional paid-in capital	9,715,209	9,713,894
Retained earnings	20,410,736	20,404,880
Accumulated other comprehensive income (loss)	9,636	(216,047)
Treasury stock, at cost; 5,632 shares	(139,332)	(139,332)
Unearned employee stock ownership plan (ESOP) shares	(274,438)	(288,184)
Total stockholders' equity	29,890,324	29,643,724
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 278,506,030	$ 270,984,407