Consolidated Balance Sheets - USD ($)	Dec. 31, 2017	Dec. 31, 2016
ASSETS
Cash and due from banks	$ 4,988,178	$ 4,766,344
Interest-bearing deposits with banks	4,885,000	11,645,000
Total cash and cash equivalents	9,873,178	16,411,344
Available-for-sale securities, at fair value	24,399,881	31,499,132
Loans held for sale	15,423,670	14,221,163
Loans held for investment	261,012,786	243,905,382
Allowance for loan losses	(3,117,190)	(2,506,033)
Loans held for investment, net	257,895,596	241,399,349
Premises and equipment, net	10,120,904	10,113,470
Stock in financial institutions, restricted, at cost	3,825,861	3,575,061
Accrued interest receivable	838,960	790,085
Deferred income taxes, net	2,191,526	4,317,017
Bank owned life insurance	10,135,672	5,481,168
Core deposit intangible, net	220,664	282,932
Prepaid and other assets	1,294,606	776,477
TOTAL ASSETS	336,220,518	328,867,198
LIABILITIES AND STOCKHOLDERS’ EQUITY
Demand deposits	37,502,593	36,426,382
Savings and NOW deposits	135,009,406	124,535,039
Time deposits	63,049,334	63,560,582
Total deposits	235,561,333	224,522,003
Federal Home Loan Bank advances	45,000,000	50,000,000
Escrows	296,847	315,175
Accrued interest and other liabilities	4,391,649	3,253,443
Total liabilities	285,249,829	278,090,621
Commitments and contingencies (note 11)
Preferred stock, $0.01 par value, 50,000,000 authorized, 0 issued and outstanding
Common stock, $0.01 par value, 100,000,000 authorized, 3,490,672 and 3,438,190 issued and outstanding, respectively	34,907	34,382
Additional paid-in capital	26,849,822	27,161,856
Retained earnings	26,060,598	25,700,007
Accumulated other comprehensive loss, net of tax	(274,266)	(363,437)
Unearned employee stock ownership plan (ESOP) shares	(1,700,372)	(1,756,231)
Total stockholders’ equity	50,970,689	50,776,577
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	$ 336,220,518	$ 328,867,198