Residential

$  180,811,917

$  182,430,665

Commercial - real estate

125,489,938

137,562,743

Construction and land development

44,895,527

50,113,695

Commercial – non real estate

53,908,212

48,618,808

Consumer – non real estate

32,946,461

34,583,824

438,052,055

453,309,735

Less:

  Deferred loan (costs), net

(693,050)

(698,494)

  Allowance for loan losses

10,227,527

8,910,121

Total loan costs and allowance

9,534,477

8,211,627