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Financial Instruments with Off-Balance-Sheet Risk (Tables)

12 Months Ended

Dec. 31, 2013

Risks And Uncertainties [Abstract]

Contractual Amounts Represent Credit Risk

Financial instruments whose contract amounts represent credit risk are as follows at December 31, 2013 and 2012:

		2013				2012
Commitments to extend credit:
Future loan commitments		$	7,102,437			$	16,601,019
Home equity lines of credit			28,707,608				30,044,312
Unused lines of credit			40,207,868				39,652,231
Undisbursed construction loans			2,187,752				3,233,322
Financial standby letters of credit			1,117,997				7,000
		$	79,323,662			$	89,537,884

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Schedule of commitment to extended credit.

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