CONSOLIDATED BALANCE SHEETS - USD ($)	Sep. 30, 2016	Dec. 31, 2015
ASSETS
Cash and due from banks	$ 2,978,490	$ 5,959,864
Interest-bearing deposits with banks	19,370,000	13,865,000
Total cash and cash equivalents	22,348,490	19,824,864
Loans held for investment	222,384,617	194,031,590
Allowance for loan losses	(2,200,180)	(1,894,196)
Loans held for investment, net	220,184,437	192,137,394
Loans held for sale	29,254,222	11,380,627
Available-for-sale securities	31,913,913	28,630,551
Other real estate	0	306,000
Premises and equipment, net	9,605,409	9,801,328
Stock in financial institutions	3,528,261	1,546,847
Accrued interest receivable	781,521	698,904
Bank owned life insurance	5,449,462	5,355,013
Core deposit intangible	299,732	362,780
Prepaid and other assets	4,739,555	940,099
TOTAL ASSETS	328,105,002	270,984,407
Deposits
Demand deposits	33,383,850	37,969,000
Savings and NOW deposits	149,628,757	113,624,419
Time deposits	61,297,278	74,106,894
Total deposits	244,309,885	225,700,313
Federal Home Loan Bank advances	49,000,000	13,000,000
Escrows	483,943	277,370
Accrued interest and other liabilities	3,325,430	2,363,000
Total liabilities	297,119,258	241,340,683
Commitments and contingencies	0	0
Stockholders' equity
Common stock, $0.10 par value; 20,000,000 shares authorized,1,685,132 issued, 1,679,500 outstanding at September 30, 2016 and December 31, 2015.	168,513	168,513
Additional paid-in capital	9,723,236	9,713,894
Retained earnings	21,480,018	20,404,880
Accumulated other comprehensive income (loss)	4,265	(216,047)
Treasury stock, at cost; 5,632 shares	(139,332)	(139,332)
Unearned employee stock ownership plan (ESOP) shares	(250,956)	(288,184)
Total stockholders' equity	30,985,744	29,643,724
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 328,105,002	$ 270,984,407