Condensed Consolidated Statements of Financial Condition - USD ($)	Jun. 30, 2019	Dec. 31, 2018
Assets
Cash and cash equivalents	$ 1,602,137	$ 1,217,621
Securities held to maturity, net; approximate fair value of $639,000 (June 30, 2019) and $623,000 (December 31, 2018)	626,295	628,526
Securities available for sale	34,582,442	29,426,745
Loans receivable, net	42,951,998	43,101,525
Premises and equipment, net	1,058,143	1,108,873
Federal Home Loan Bank of New York and other stock, at cost	287,500	330,800
Accrued interest receivable	574,849	516,757
Cash surrender value of life insurance	2,350,354	2,319,802
Deferred income taxes	672,259	822,538
Other assets	204,923	227,540
Total assets	84,910,900	79,700,727
Liabilities:
Deposits	69,348,771	63,658,430
Advances from Federal Home Loan Bank of New York	2,900,000	3,750,000
Advances from borrowers for taxes and insurance	425,776	536,712
Other liabilities	928,208	890,473
Total liabilities	73,602,755	68,835,615
Commitments and contingencies
Stockholders' equity:
Serial preferred stock; par value $.01, 1,000,000 shares authorized, no shares issued
Common stock; par value $.01, 30,000,000 shares authorized and 793,500 shares issued	7,935	7,935
Additional paid-in capital	7,078,344	7,064,299
Unallocated common stock held by the Employee Stock Ownership Plan	(411,079)	(422,184)
Retained earnings	6,057,316	6,204,754
Accumulated other comprehensive ( loss)	(1,424,371)	(1,989,692)
Total stockholders' equity	11,308,145	10,865,112
Total liabilities and stockholders' equity	$ 84,910,900	$ 79,700,727