AVAILABLE-FOR-SALE SECURITIES (Tables)

3 Months Ended

12 Months Ended

Mar. 31, 2016

Dec. 31, 2015

Investments, Debt and Equity Securities [Abstract]

Schedule of carrying amount of securities and fair values

	Gross		Gross		Gross
	Amortized		Unrealized		Unrealized
	Cost		Gains		Losses			Fair Value
March 31, 2016
Available-for-sale securities
Mortgage-backed securities	$	24,309,721	$	103,826	$	(141,879	)	$	24,271,668
U.S. Government agencies		3,274,868		32,999		(5,249	)		3,302,618
Municipal obligations		1,887,094		20,592		(653	)		1,907,033
	$	29,471,683	$	157,417	$	(147,781	)	$	29,481,319
December 31, 2015
Available-for-sale securities
Mortgage-backed securities	$	23,449,558	$	52,498	$	(231,560	)	$	23,270,496
U.S. Government agencies		3,498,469		10,429		(50,085	)		3,458,813
Municipal obligations		1,898,571		3,317		(646	)		1,901,242
	$	28,846,598	$	66,244	$	(282,291	)	$	28,630,551

	Gross		Gross		Gross
	Amortized		Unrealized		Unrealized
	Cost		Gains		Losses			Fair Value
December 31, 2015
Available-for-sale securities
Mortgage-backed securities	$	23,449,558	$	52,498	$	(231,560	)	$	23,270,496
U.S. Government agencies		3,498,469		10,429		(50,085	)		3,458,813
Municipal obligations		1,898,571		3,317		(646	)		1,901,242
	$	28,846,598	$	66,244	$	(282,291	)	$	28,630,551
December 31, 2014
Available-for-sale securities
Mortgage-backed securities	$	21,797,221	$	72,984	$	(142,394	)	$	21,727,811
U.S. Government agencies		4,925,972		4,355		(73,798	)		4,856,529
Municipal obligations		2,443,165		9,059		(18,652	)		2,433,572
	$	29,166,358	$	86,398	$	(234,844	)	$	29,017,912

Schedule of proceeds from sale of available-for-sale securities and resulting net gains and net losses

	Three Months Ended March 31,
	2016		2015
Proceeds from sale	$	-	$	2,286,200
(Losses), net	$	-	$	(13,800	)

			Twelve-month
	Year ended		period ended
	December 31,		December 31,
	2015		2014
			(Unaudited)
Proceeds from sale	$	2,799,336	$	31,163,517
Income (losses), net	$	6,414	$	(327,914	)

Schedule of maturities of available-for-sale securities

	March 31, 2016
	Amortized		Fair
	Cost		Value
Due in one year or less	$	-	$	-
Due after one to five years		28,207,821		28,193,363
Due after five to ten years		1,263,862		1,287,956
Due after ten years		-		-
Totals	$	29,471,683	$	29,481,319

	December 31, 2015				December 31, 2014
	Amortized		Fair		Amortized		Fair
	Cost		Value		Cost		Value
Due in one year or less	$	-	$	-	$	-	$	-
Due after one to five years		25,131,259		24,942,098		18,462,435		18,353,451
Due after five to ten years		3,715,339		3,688,453		10,703,923		10,664,461
Due after ten years		-		-		-		-
Totals	$	28,846,598	$	28,630,551	$	29,166,358	$	29,017,912

Schedule of gross unrealized losses and fair values of securities by length of time that individual securities in each category have been in a continuous loss position

	March 31, 2016
	Less Than 12 Months					12 Months or More					Total
			Gross					Gross					Gross
Description of			Unrealized					Unrealized					Unrealized
Securities	Fair Value		Losses			Fair Value		Losses			Fair Value		Losses
Available-for-sale securities:
Mortgage-backed securities	$	3,556,124	$	(25,291	)	$	8,423,645	$	(116,588	)	$	11,979,769	$	(141,879	)
U.S. Government agencies		-		-			1,364,141		(5,249	)		1,364,141		(5,249	)
Municipal obligations		35,300		(653	)		-		-			35,300		(653	)
Total temporarily impaired securities	$	3,591,424	$	(25,944	)	$	9,787,786	$	(121,837	)	$	13,379,210	$	(147,781	)

	December 31, 2015
	Less Than 12 Months					12 Months or More					Total
			Gross					Gross					Gross
Description of			Unrealized					Unrealized					Unrealized
Securities	Fair Value		Losses			Fair Value		Losses			Fair Value		Losses
Available-for-sale securities:
Mortgage-backed securities	$	13,002,963	$	(133,816	)	$	5,833,352	$	(97,744	)	$	18,836,315	$	(231,560	)
U.S. Government agencies		1,242,250		(6,715	)		1,477,876		(43,370	)		2,720,126		(50,085	)
Municipal obligations		35,541		(646	)		-		-			35,541		(646	)
Total temporarily impaired securities	$	14,280,754	$	(141,177	)	$	7,311,228	$	(141,114	)	$	21,591,982	$	(282,291	)

	December 31, 2015
	Less Than 12 Months					12 Months or More					Total
			Gross					Gross					Gross
Description of			Unrealized					Unrealized					Unrealized
Securities	Fair Value		Losses			Fair Value		Losses			Fair Value		Losses
Available-for-sale securities:
Mortgage-backed securities	$	13,002,963	$	(133,816	)	$	5,833,352	$	(97,744	)	$	18,836,315	$	(231,560	)
U.S. Government agencies		1,242,250		(6,715	)		1,477,876		(43,370	)		2,720,126		(50,085	)
Municipal obligations		35,541		(646	)		-		-			35,541		(646	)
Total temporarily impaired securities	$	14,280,754	$	(141,177	)	$	7,311,228	$	(141,114	)	$	21,591,982	$	(282,291	)