Consolidated Statements of Financial Condition - USD ($)	Dec. 31, 2020	Dec. 31, 2019
Assets
Cash and cash equivalents	$ 2,146,691	$ 1,820,482
Certificates of Deposit	500,000	999,262
Securities held to maturity, net; approximate fair value of $442,000 (2020) and $441,000 (2019)	420,871	424,294
Securities available for sale	50,027,457	37,978,622
Loans receivable, net	39,266,472	39,839,882
Premises and equipment, net	988,784	1,052,512
Federal Home Loan Bank of New York and other stock, at cost	225,900	235,800
Accrued interest receivable	525,768	503,280
Cash surrender value of life insurance	2,438,576	2,381,554
Deferred income taxes	685,308	714,120
Other assets	276,285	292,709
Total assets	97,502,112	86,242,517
Liabilities:
Deposits	78,250,794	71,899,432
Borrowings	6,501,089	1,749,520
Advances from borrowers for taxes and insurance	538,879	548,621
Other liabilities	610,369	640,613
Total liabilities	85,901,131	74,838,186
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	7,104,920	7,092,368
Unallocated common stock held by the Employee Stock Ownership Plan	(377,524)	(399,974)
Retained earnings	5,630,970	5,866,598
Accumulated other comprehensive (loss)	(765,320)	(1,162,596)
Total stockholders' equity	11,600,981	11,404,331
Total liabilities and stockholders' equity	$ 97,502,112	$ 86,242,517