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 December 31, 2026)
| Cash and due from banks | 23,662,563 | |
| U.S. government agency bonds | 108,693,404 | |
| Municipal bonds | 46,200,427 | |
| Other investments | 342,000 | |
| Federal reserve bank stock | 57,800 | |
| Federal home loan bank stock | 251,500 | |
| Unrealized gain (loss) on available-for-sale securities | (14,710,297) | 140,834,834 |
| Loans | 234,655,543 | |
| Less: reserve for loan losses | 3,183,540 | 231,472,003 |
| Federal funds sold | 0 | |
| Bank premises and equipment | 4,004,444 | |
| Accrued interest receivable | 2,157,831 | |
| Other assets | 6,028,808 | |
| TOTAL ASSETS | $408,160,483 |
LIABILITIES AND CAPITAL (As of December 31, 2026)
| Demand deposits | 60,993,413 | |
| Time and savings deposits | 288,585,940 | 349,579,353 |
| Accrued interest payable | 697,759 | |
| Other liabilities | 2,331,976 | |
| Repurchase agreements | 11,515,412 | |
| 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 | 56,865,879 | |
Unrealized gain (loss) on available-for-sale securities & supplemental retirement trust | (14,805,896) | 44,035,983 |
| TOTAL LIABILITIES AND CAPITAL | $408,160,483 |
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