CONSOLIDATED BALANCE SHEETS - USD ($)	Mar. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 5,101,212	$ 4,766,344
Interest-bearing deposits with banks	8,935,000	11,645,000
Total cash and cash equivalents	14,036,212	16,411,344
Loans held for investment	260,493,919	243,905,382
Allowance for loan losses	(2,763,483)	(2,506,033)
Loans held for investment, net	257,730,436	241,399,349
Loans held for sale	7,453,804	14,221,163
Available-for-sale securities	29,709,130	31,499,132
Premises and equipment, net	10,151,878	10,113,470
Stock in financial institutions	3,585,961	3,575,061
Accrued interest receivable	753,897	790,085
Deferred income taxes, net	4,473,586	4,317,017
Bank owned life insurance	5,511,407	5,481,168
Core deposit intangible, net	266,132	282,932
Prepaid and other assets	607,453	776,477
TOTAL ASSETS	334,279,896	328,867,198
Deposits
Demand deposits	42,504,862	36,426,382
Savings and NOW deposits	127,361,873	124,535,039
Time deposits	60,300,266	63,560,582
Total deposits	230,167,001	224,522,003
Federal Home Loan Bank advances	50,000,000	50,000,000
Escrows	381,462	315,175
Accrued interest and other liabilities	3,125,698	3,253,443
Total liabilities	283,674,161	278,090,621
Commitments and contingencies
Stockholders' equity
Common stock, $0.01 par value, 20,000,000 authorized, 3,438,190 issued and outstanding.	34,382	34,382
Additional paid-in capital	27,166,286	27,161,856
Retained earnings	25,502,257	25,700,007
Accumulated other comprehensive loss, net of tax	(354,925)	(363,437)
Unearned employee stock ownership plan (ESOP) shares	(1,742,265)	(1,756,231)
Total stockholders' equity	50,605,735	50,776,577
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 334,279,896	$ 328,867,198