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Statement of Condition

	December 31, 2023	December 31, 2024
Assets
Cash and Due From Banks	$18,870,785	$23,160,892
Federal Funds	0	0
Fed Home Loan Bank Stock	246,700	246,700
Federal Reserve Stock	443,350	580,000
Investments and Securities	52,255,810	50,051,310
R.E. Mortgage Loans	131,776,403	129,803,000
Commercial Loans	71,712,816	80,416,000
Loans on Deposits	564,586	537,409
Consumer Loans	7,351,173	8,408,000
Provision for Loan Losses	(1,461,582)	(1,483,948)
Bank Premises and Equipment	8,867,178	8,505,000
Other Assets	12,178,822	11,450,300
Total Assets	$302,806,042	$311,674,663
Liabilities and Surplus
Term Deposit Accounts	$70,525,663	$92,101,217
Money Market Accounts	39,389,087	32,956,279
Savings Accounts	77,807,060	66,105,095
NOW Checking Accounts	27,934,329	34,711,823
Non-Interest Checking Accounts	65,415,875	65,118,507
Christmas Club Accounts	25,748	22,146
Loan Escrow Deposits	507,454	569,596
Total Deposits	$281,605,216	$291,584,663
Borrowed Money	0	0
Other Liabilities	3,712,980	2,331,000
Surplus	17,487,846	17,759,000
Total Liabilities and Surplus	$302,806,042	$311,674,663

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