CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)	3 Months Ended
	Mar. 31, 2017	Mar. 31, 2016
Cash flows from operating activities
Net (loss) income	$ (197,750)	$ 5,856
Adjustments to reconcile net (loss) income to net cash from operating activities:
Depreciation and amortization	162,936	151,091
Stock dividend on financial institution stock	(10,900)	(6,114)
Amortization of premiums and discounts on securities, net	123,681	122,978
Amortization of ESOP award	18,396	15,061
Amortization of core deposit intangible	16,800	21,543
Gain on sale of loans	(1,964,472)	(1,688,434)
Proceeds from sale of loans held for sale	54,375,713	44,263,954
Funding of loans held for sale	(45,534,685)	(47,590,265)
Provision for loan losses	250,000	52,000
Earnings on bank-owned life insurance	(30,239)	(31,229)
Deferred income tax expense	(41,019)	0
Changes in operating assets and liabilities:
Accrued interest receivable	36,188	20,617
Prepaid and other assets	48,321	(1,404,241)
Accrued interest and other liabilities	(127,745)	97,019
Net cash provided (used) by operating activities	7,125,225	(5,970,164)
Cash flows from investing activities
Proceeds from principal payments on available-for-sale securities	1,679,986	1,354,204
Purchases of available-for-sale securities	0	(2,102,266)
Net change in loans held for investment	(16,690,284)	(4,060,195)
Purchases of premises and equipment	(201,344)	(149,886)
Net cash used for investing activities	(15,211,642)	(4,958,143)
Cash flows from financing activities
Net change in deposits	5,644,998	8,928,457
Net change in escrows	66,287	92,784
Net change in Federal Home Loan Bank advances	0	(2,000,000)
Net cash provided by financing activities	5,711,285	7,021,241
Net (decrease) in cash and cash equivalents	(2,375,132)	(3,907,066)
Cash and cash equivalents, beginning of period	16,411,344	19,824,864
Cash and cash equivalents, end of period	14,036,212	15,917,798
Supplemental disclosures:
Interest paid	481,504	378,436
Income taxes paid	25,940	15,000
Noncash investing and financing activities:
Transfers of loans to other real estate	$ 0	$ 195,558