b'2024ANNUAL REPORT2024 2023LIABILITIES:Accounts Payable & Other Liabilities 2,015,3032,009,558Borrowings (FHLB and FRB) 41,289,24229,000,000Subordinated Debt 4,000,000 4,000,000 Total Liabilities 47,304,54535,009,558 SHARES:Regular Shares 44,386,33742,972,749Share Drafts 15,822,020 14,058,451Money Market Shares 9,467,35610,339,582Share Certicates 52,906,61044,664,009 IRA Share 6,154,543 6,353,751Impact Share Certicates 11,271,678 2,192,000Total Shares 140,008,544120,580,542EQUITY:Undivided Earnings 11,893,763 14,397,569Unrealized Gain/(Loss) on Investments (903,932) (826,963) Total Equity 10,989,831 13,570,606TOTAL LIABILITIES, SHARES AND EQUITY $198,302,920$169,160,706'