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Balance Sheets - USD ($) | Jun. 30, 2024 | Dec. 31, 2023
--- | --- | ---
Assets |  |
Cash and Due from Banks | $ 2,375,000 | $ 4,587,000
Interest-Bearing Deposits at Other Financial Institutions | 43,840,000 | 14,719,000
Total Cash and Cash Equivalents | 46,215,000 | 19,306,000
Investment Securities Available-for-sale | 72,109,000 | 67,901,000
Restricted Stock | 895,000 | 881,000
Loans Receivable, Net of Unearned Income | 369,606,000 | 367,840,000
Allowance for Credit Losses | (1,699,000) | (2,802,000)
Loans Receivable, Net | 367,907,000 | 365,038,000
Bank Owned Life Insurance | 10,513,000 | 10,332,000
Premises and Equipment, Net | 12,213,000 | 12,475,000
Accrued Interest Receivable | 2,071,000 | 1,757,000
Real Estate Owned | 42,000 | 42,000
Deferred Tax Asset, Net | 1,882,000 | 2,063,000
Other Assets | 2,162,000 | 1,002,000
Total Assets | 516,009,000 | 480,797,000
Deposits |  |
Interest-Bearing | 395,307,000 | 389,207,000
Noninterest-Bearing | 33,287,000 | 796,000
Advances from Borrowers for Taxes, Insurance, and Repairs | 4,148,000 | 4,352,000
Short-Term Federal Home Loan Bank Advances |  | 4,000,000
Other Liabilities | 5,237,000 | 4,644,000
Total Liabilities | 437,979,000 | 402,999,000
Equity Capital |  |
Retained Earnings | 84,322,000 | 84,771,000
Accumulated Other Comprehensive Loss | (6,292,000) | (6,973,000)
Total Equity Capital | 78,030,000 | 77,798,000
Total Liabilities and Equity Capital | $ 516,009,000 | $ 480,797,000

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