CONSOLIDATED BALANCE SHEETS - USD ($)	Jun. 30, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 4,327,042	$ 4,766,344
Interest-bearing deposits with banks	7,775,000	11,645,000
Total cash and cash equivalents	12,102,042	16,411,344
Loans held for investment	264,706,736	243,905,382
Allowance for loan losses	(2,919,733)	(2,506,033)
Loans held for investment, net	261,787,003	241,399,349
Loans held for sale	11,371,448	14,221,163
Available-for-sale securities	28,319,755	31,499,132
Premises and equipment, net	10,053,152	10,113,470
Stock in financial institutions	3,597,461	3,575,061
Accrued interest receivable	769,236	790,085
Deferred income taxes, net	4,274,477	4,317,017
Bank owned life insurance	5,542,147	5,481,168
Core deposit intangible, net	249,332	282,932
Prepaid and other assets	753,941	776,477
TOTAL ASSETS	338,819,994	328,867,198
Deposits
Demand deposits	38,508,399	36,426,382
Savings and NOW deposits	126,604,271	124,535,039
Time deposits	64,008,657	63,560,582
Total deposits	229,121,327	224,522,003
Federal Home Loan Bank advances	55,000,000	50,000,000
Escrows	317,089	315,175
Accrued interest and other liabilities	3,383,021	3,253,443
Total liabilities	287,821,437	278,090,621
Commitments and contingencies
Stockholders' equity
Common stock, $0.01 per value, 20,000,000 authorized, 3,438,190 issued and outstanding.	34,382	34,382
Additional paid-in capital	27,171,456	27,161,856
Retained earnings	25,840,355	25,700,007
Accumulated other comprehensive loss, net of tax	(319,335)	(363,437)
Unearned employee stock ownership plan (ESOP) shares	(1,728,301)	(1,756,231)
Total stockholders' equity	50,998,557	50,776,577
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 338,819,994	$ 328,867,198