Consolidated Balance Sheets - USD ($)	Dec. 31, 2018	Dec. 31, 2017
ASSETS
Cash and due from banks	$ 6,374,457	$ 4,988,178
Interest-bearing deposits with banks	5,400,000	4,885,000
Total cash and cash equivalents	11,774,457	9,873,178
Available-for-sale securities, at fair value	33,428,658	24,399,881
Loans held for sale	26,884,014	15,423,670
Loans held for investment	285,691,372	261,012,786
Allowance for loan losses	(2,901,091)	(3,117,190)
Loans held for investment, net	282,790,281	257,895,596
Premises and equipment, net	9,615,626	10,120,904
Stock in financial institutions, restricted, at cost	3,910,361	3,825,861
Accrued interest receivable	875,040	838,960
Deferred income taxes, net	2,196,928	2,191,526
Bank owned life insurance	10,573,069	10,135,672
Core deposit intangible, net	172,108	220,664
Prepaid and other assets	1,057,365	1,294,606
TOTAL ASSETS	383,277,907	336,220,518
LIABILITIES AND STOCKHOLDERS’ EQUITY
Preferred stock, $0.01 par value, 50,000,000 authorized, 0 issued and outstanding
Common stock, $0.01 par value, 100,000,000 authorized, 3,374,565 and 3,490,672 issued and outstanding.	33,746	34,907
Additional paid-in capital	25,500,873	26,849,822
Retained earnings	22,928,777	26,060,598
Accumulated other comprehensive loss, net of tax	(396,148)	(274,266)
Unearned employee stock ownership plan (ESOP) shares	(1,644,514)	(1,700,372)
Total stockholders’ equity	46,422,734	50,970,689
TOTAL LIABILITIES AND STOCKHOLDERS’ EQUITY	383,277,907	336,220,518
Deposits
Demand deposits	45,350,477	37,502,593
Savings and NOW deposits	142,349,920	135,009,406
Time deposits	77,538,576	63,049,334
Total deposits	265,238,973	235,561,333
Federal Home Loan Bank advances	67,000,000	45,000,000
Escrows	378,592	296,847
Accrued interest and other liabilities	4,237,608	4,391,649
Total liabilities	336,855,173	285,249,829
Commitments and contingencies (note 11)