Statement of Condition
As of December 31, 2012 and 2011
| Dec 2012 | Dec 2011 |
| Assets |
| Cash and Due From Banks | $3,838,528 | $1,999,851 |
| Federal Funds | 0 | 0 |
| Fed Home Loan Bank Stock | 1,418,900 | 1,579,400 |
| Federal Reserve Stock | 498,500 | 454,100 |
| Co-operative Central Bank | 334,830 | 334,830 |
| Investments and Securities | 68,708,211 | 55,170,072 |
| R.E. Mortgage Loans | 79,102,675 | 82,615,143 |
| Commercial Loans | 42,123,894 | 34,158,992 |
| Loans on Deposits | 724,850 | 726,235 |
| Consumer Loans | 144,124 | 115,690 |
| Provision for Loan Losses | (1,031,711) | (944,627) |
| Bank Premises and Equipment | 5,162,601 | 5,429,026 |
| Other Assets | 6,239,005 | 5,408,704 |
| | | |
| Total Assets | $207,264,407 | $187,047,417 |
| | | |
| Liabilities and Surplus |
| Term Deposit Accounts | $63,791,174 | $68,157,698 |
| Money Market Accounts | 20,499,487 | 21,263,972 |
| Savings Accounts | 40,842,776 | 32,286,530 |
| NOW Checking Accounts | 21,492,336 | 19,647,290 |
| Non-Interest Checking Accounts | 19,200,770 | 14,509,442 |
| Christmas Club Accounts | 23,538 | 22,310 |
| Loan Escrow Deposits | 204,874 | 216,739 |
| Total Deposits | $166,054,955 | $156,103,982 |
| Borrowed Money | 20,999,964 | 12,726,000 |
| Other Liabilities | 1,661,307 | 1,158,217 |
| Surplus | 18,548,181 | 17,059,218 |
| | | |
| Total Liabilities and Surplus | $207,264,407 | $187,047,417 |
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