Premises and Equipment
 12 Months Ended
Dec. 31, 2014
Premises and Equipment [Abstract]  
Premises and Equipment
(6)
Premises and Equipment

Premises and equipment are comprised of the following as of December 31:

  
2014
  
2013
 
     
Land
 
$
8,270,678
  
$
7,790,167
 
Building
  
23,894,943
   
23,832,454
 
Furniture, Fixtures and Equipment
  
12,243,988
   
13,846,579
 
Leasehold Improvements
  
990,626
   
970,346
 
Construction in Progress
  
14,090
   
236,591
 
         
   
45,414,325
   
46,676,137
 
Accumulated Depreciation
  
(20,453,880
)
  
(21,799,668
)
         
  
$
24,960,445
  
$
24,876,469
 

Depreciation charged to operations totaled $1,595,253 in 2014, $1,527,392 in 2013 and $1,676,820 in 2012.

Certain Company facilities and equipment are leased under various operating leases.  Rental expense approximated $613,000 for 2014, $490,000 for 2013 and $447,000 for 2012.

Future minimum rental payments as of December 31, 2014 are as follows:

Year Ending December 31
 
Amount
 
   
2015
 
$
129,457
 
2016
  
73,883
 
2017
  
38,500
 
     
  
$
241,840