Assets and Liabilities of the Bank
We are proud to be rated as a "Blue Ribbon Bank" by Veribanc Inc. based on our safety and soundness.
Following is an overview of our financial performance.
ASSETS (As of September 30, 2026)
| Cash and due from banks | 46,656,042 | |
| U.S. government agency bonds | 108,190,441 | |
| Municipal bonds | 45,351,131 | |
| Other investments | 362,600 | |
| Federal reserve bank stock | 57,800 | |
| Federal home loan bank stock | 306,900 | |
| Unrealized gain (loss) on available-for-sale securities | (19,762,871) | 134,506,001 |
| Loans | 232,172,233 | |
| Less: reserve for loan losses | 3,205,374 | 228,966,859 |
| Federal funds sold | 0 | |
| Bank premises and equipment | 3,826,646 | |
| Accrued interest receivable | 2,681,061 | |
| Other assets | 6,027,853 | |
| TOTAL ASSETS | $422,664,462 |
LIABILITIES AND CAPITAL (As of September 30, 2026)
| Demand deposits | 60,917,032 | |
| Time and savings deposits | 310,009,128 | 370,926,160 |
| Accrued interest payable | 593,390 | |
| Other liabilities | 2,322,260 | |
| Repurchase agreements | 8,503,354 | |
| Federal Funds Purchased | 0 | |
| Federal home loan bank- Federal funds advances | 0 | |
| Other Borrowings | 0 | |
| Reserve for contingencies | 50,000 | |
| Capital | 963,000 | |
| Surplus | 963,000 | |
| Undivided profits | 58,201,767 | |
Unrealized gain (loss) on available-for-sale securities & supplemental retirement trust | (19,858,470) | 40,319,298 |
| TOTAL LIABILITIES AND CAPITAL | $422,664,462 |
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