The latest financial statement is for the quarter ending 2026-03-31.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 2,785,291 | 3,409,453 | 3,597,006 | 4,570,308 |
| Provision for credit losses | 693,094 | 408,510 | 268,674 | 1,475,785 |
| Depreciation and amortization | 223,805 | 226,669 | 224,326 | 440,839 |
| Deferred income tax | 2 | 241,119 | -117,881 | -237,680 |
| Stock based compensation | 87,493 | 59,608 | 29,295 | 726,918 |
| Investment securities amortization, net | -192,211 | -188,572 | -201,811 | -364,455 |
| (gain) loss on sale of real estate owned | - | 0 | 6,067 | 0 |
| Net loss on sale of investment securities available for sale | - | 819 | 0 | -156,859 |
| Net gains on loan and lease sales | 173,072 | 118,646 | 94,280 | 196,443 |
| Gain on sale of premises and equipment | - | 0 | 0 | 4,500 |
| Accretion of loan origination fees | 211,704 | 264,460 | 173,308 | 446,258 |
| Amortization of mortgage-servicing rights | 63,807 | 55,533 | 57,593 | 95,477 |
| Esop shares expense | 187,751 | 185,591 | 192,848 | 359,612 |
| Increase in cash surrender value of life insurance | 24,728 | 24,564 | 24,778 | 47,798 |
| Loans originated for sale | 7,382,576 | 6,962,871 | 3,727,371 | 10,018,214 |
| Proceeds on loans sold | 7,389,576 | 6,349,871 | 4,328,076 | 9,765,589 |
| Interest receivable | -124,805 | 467,910 | -364,140 | 166,155 |
| Other assets | -122,873 | 614,145 | -69,000 | -1,277,317 |
| Other liabilities | -497,999 | -547,585 | 2,017,487 | -102,499 |
| Interest payable | -795,059 | 542,829 | -929,072 | -988,458 |
| Net cash provided by operating activities | 2,785,570 | 2,666,755 | 6,277,499 | 7,025,154 |
| Proceeds from sale of premises and equipment | - | 0 | 0 | 0 |
| Purchases of fhlb stock | - | 0 | 0 | 0 |
| Net change in interest-bearing time deposits | -750,000 | -2,070,000 | 300,000 | - |
| Purchases of securities available for sale | 955,025 | 910,575 | 462,031 | 4,330,256 |
| Proceeds from maturities and paydowns of securities available for sale | 4,037,098 | 3,746,937 | 5,918,124 | 8,875,127 |
| Proceeds from sales of securities available for sale | - | 745 | 0 | 6,765,143 |
| Proceeds from maturities and paydowns of securities held to maturity | 395,000 | 24,180 | 160,080 | 565,159 |
| Net change in loans | -2,311,524 | -2,576,981 | 12,280,484 | 8,701,674 |
| Proceeds from sales of real estate owned | 43,502 | 0 | 43,502 | 0 |
| Purchases of premises and equipment | 324,561 | 196,653 | 461,788 | 703,448 |
| Net cash provided by (used in) investing activities | 4,757,538 | 3,171,615 | -6,782,597 | 2,470,051 |
| Demand and savings deposits | 4,832,914 | -896,139 | 7,412,123 | 10,048,117 |
| Certificates of deposit | -13,360,813 | -2,468,948 | 14,457,208 | -7,598,958 |
| Advances by borrowers for taxes and insurance | 117,488 | -150,905 | 134,822 | 76,318 |
| Proceeds from other borrowings | - | 12,000,000 | - | - |
| Repayment of other borrowings | -12,000,000 | - | - | - |
| Proceeds from fhlb advances | 73,000,000 | 55,000,000 | 50,000,000 | 179,000,000 |
| Repayment of fhlb advances | 57,000,000 | 69,000,000 | 63,000,000 | 177,000,000 |
| Repurchase of common stock | 0 | 0 | 0 | 5,633,659 |
| Proceeds from stock option exercises | - | -4 | 0 | 0 |
| Dividends paid | 1,464,950 | 1,456,833 | 1,445,585 | 2,932,730 |
| Net cash (used in) provided by financing activities | -5,875,361 | -6,972,829 | 7,558,568 | -4,040,912 |
| Net change in cash and cash equivalents | 1,667,747 | -1,134,459 | 7,053,470 | 5,454,293 |
| Cash and cash equivalents, beginning of period | 33,130,494 | 34,264,953 | 21,757,190 | - |
| Cash and cash equivalents, end of period | 34,798,241 | 33,130,494 | 34,264,953 | - |