FINANCIAL INSTRUMENTS WITH OFF-BALANCE-SHEET RISK (Tables)

3 Months Ended

12 Months Ended

Mar. 31, 2016

Dec. 31, 2015

Financial Instruments Disclosure [Abstract]

Schedule of financial instruments whose contract amounts represent off-balance-sheet credit risk

	March 31,		December 31,
	2016		2015
Commitments to originate and sell mortgage loans	$	31,960,061	$	15,661,263
Commitments to extend credit		22,994,407		18,695,121
Unused lines of credit		4,819,999		4,591,908
Totals	$	59,774,467	$	38,948,292

	December 31,
	2015		2014
Commitments to originate and sell mortgage loans	$	15,661,263	$	9,426,644
Commitments to extend credit		18,695,121		19,319,363
Unused lines of credit		4,591,908		4,319,272
Standby letters of credit		-		71,579
Totals	$	38,948,292	$	33,136,858