| ASSETS |
| Cash |
3.49M |
| Interest-bearing deposits in other financial institutions |
| Cash and cash equivalents |
10.95M |
| Interest-bearing deposits |
7.45M |
| Available-for-sale securities |
96.57M |
| Held-to-maturity securities |
30.36K |
| Stock in Federal Home Loan Bank, at cost |
3.77M |
| Mortgage loans held for sale |
| Loans receivable, net of allowance for loan losses of June 30, 2011 - $13,947,899 - December 31, 2010 - $13,082,703 |
525.86M |
| Accrued interest receivable: |
| Loans |
| Investments and interest-bearing deposits |
| Prepaid expenses and other assets |
3.22M |
| Prepaid FDIC deposit insurance premiums |
| Foreclosed assets held for sale |
2.25M |
| Premises and equipment |
10.86M |
| Bank owned life insurance |
19.15M |
| Deferred income taxes |
| Assets |
679.61M |
| LIABILITIES |
| Deposits |
515.76M |
| Federal Home Loan Bank advances |
| Securities sold under agreements to repurchase |
| Subordinated debentures |
15.47M |
| Advances from borrowers for taxes and insurance |
534.47K |
| Accrued expenses and other liabilities |
1.95M |
| Accrued interest payable |
203.42K |
| Liabilities |
608.52M |
| COMMITMENTS AND CONTINGENCIES |
0 |
| Capital Stock: |
| Series A preferred stock, $0.01 par value; authorized 2,000,000 shares; issued and outstanding June 30, 2011 and December 31, 2010 - 17,000 shares |
| Common stock, $0.10 par value; authorized 10,000,000 shares; issued June 30, 2011 and December 31, 2010 - 6,779,800 shares |
687.55K |
| Common stock warrants; June 30, 2011 and December 31, 2010 - 459,459 shares |
| Additional paid-in capital |
50.47M |
| Unearned ESOP shares |
| Retained earnings, substantially restricted |
56.27M |
| Accumulated other comprehensive income |
| Unrealized appreciation on available-for-sale securities, net of income taxes |
588.1K |
| Stockholders' Equity before Treasury Stock |
108.02M |
| Treasury stock, at cost; June 30, 2011 and December 31, 2010 - 4,072,156 and 4,080,220 shares, respectively |
-36.93M |
| Stockholders' Equity Attributable to Parent |
71.09M |
| Liabilities and Equity |
679.61M |
