b'2025ANNUAL REPORT2025 2024LIABILITIES:Accounts Payable & Other Liabilities1,644,523 2,015,303 Borrowings 34,000,000 41,289,242 Subordinated Debt 4,000,000 4,000,000 Total Liabilities 39,644,52347,304,545 SHARES:Regular Shares 48,028,50844,386,337 Share Drafts 17,751,42115,822,020 Money Market Shares 10,860,9149,467,356 Share Certicates 52,512,97753,944,288IRA Shares 5,944,4416,154,543 Impact Share Certicates 9,989,00010,234,000 Total Shares 145,087,261 140,008,544EQUITY:Undivided Earnings 12,274,63311,893,763 Unrealized Gain/(Loss) on Investments (687,095) (903,932) Total Equity 11,587,538 10,989,831 TOTAL LIABILITIES, SHARES AND EQUITY: $196,319,322 $198,302,920'