| SCHEDULE OF REGULATORY CAPITAL AMOUNTS AND RATIOS |
The
actual and required capital amounts and ratios are shown in the following table:
SCHEDULE
OF REGULATORY CAPITAL AMOUNTS AND RATIOS
| | |
Actual | | |
Required
for
Capital
Adequacy
Purposes | | |
Minimum
Requirements
To
Be Well Capitalized
Under
Prompt Corrective
Action Regulations | |
| (000’s
omitted) | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | |
| | |
| | |
| | |
| | |
| | |
| | |
| |
| March
31, 2026: | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Total Capital to risk weighted
assets | |
$ | 9,510 | | |
| 14.59 | % | |
$ | 5,215 | | |
| 8.00 | % | |
$ | 6,518 | | |
| 10.00 | % |
| Tier 1 (Core) Capital to risk weighted assets | |
$ | 9,138 | | |
| 14.02 | % | |
$ | 3,911 | | |
| 6.00 | % | |
$ | 5,215 | | |
| 8.00 | % |
| Common Tier 1 (CET1) | |
$ | 9,138 | | |
| 14.02 | % | |
$ | 2,933 | | |
| 4.50 | % | |
$ | 4,237 | | |
| 6.50 | % |
| Tier 1 (Core) Capital to average assets | |
$ | 9,138 | | |
| 3.42 | % | |
$ | 10,685 | * | |
| 4.00 | % | |
$ | 13,356 | | |
| 5.00 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| December
31, 2025: | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Total Capital to risk weighted assets | |
$ | 10,245 | | |
| 18.80 | % | |
$ | 4,360 | | |
| 8.00 | % | |
$ | 5,450 | | |
| 10.00 | % |
| Tier 1 (Core) Capital to risk weighted assets | |
$ | 10,015 | | |
| 18.37 | % | |
$ | 3,270 | | |
| 6.00 | % | |
$ | 4,360 | | |
| 8.00 | % |
| Common Tier 1 (CET1) | |
$ | 10,015 | | |
| 18.37 | % | |
$ | 2,453 | | |
| 4.50 | % | |
$ | 3,543 | | |
| 6.50 | % |
| Tier 1 (Core) Capital to average assets | |
$ | 10,015 | | |
| 4.17 | % | |
$ | 9,616 | * | |
| 4.00 | % | |
$ | 12,020 | | |
| 5.00 | % |
|
The
actual and required capital amounts and ratios are shown in the following table:
SCHEDULE
OF REGULATORY CAPITAL AMOUNTS AND RATIOS
| | |
Actual | | |
Required for Capital
Adequacy Purposes | | |
Minimum Requirements To Be Well Capitalized Under Prompt Corrective Action Regulations | |
| (000’s omitted) | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | | |
Amount | | |
Ratio | |
| | |
| | |
| | |
| | |
| | |
| | |
| |
| December 31, 2025: | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Total Capital to risk weighted assets | |
$ | 10,245 | | |
| 18.80 | % | |
$ | 4,360 | | |
| 8.00 | % | |
$ | 5,450 | | |
| 10.00 | % |
| Tier 1 (Core) Capital | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| to risk weighted assets | |
$ | 10,015 | | |
| 18.37 | % | |
$ | 3,270 | | |
| 6.00 | % | |
$ | 4,360 | | |
| 8.00 | % |
| Common Tier 1 (CET1) | |
$ | 10,015 | | |
| 18.37 | % | |
$ | 2,453 | | |
| 4.50 | % | |
$ | 3,543 | | |
| 6.50 | % |
| Tier 1 (Core) Capital | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| to average assets | |
$ | 10,015 | | |
| 4.17 | % | |
$ | 9,616 | | |
| 4.00 | % | |
$ | 12,020 | | |
| 5.00 | % |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| December 31, 2024: | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| Total Capital to risk weighted assets | |
$ | 10,035 | | |
| 61.29 | % | |
$ | 1,310 | | |
| 8.00 | % | |
$ | 1,637 | | |
| 10.00 | % |
| Tier 1 (Core) Capital | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| to risk weighted assets | |
$ | 9,992 | | |
| 61.03 | % | |
$ | 982 | | |
| 6.00 | % | |
$ | 1,310 | | |
| 8.00 | % |
| Common Tier 1 (CET1) | |
$ | 9,992 | | |
| 61.03 | % | |
$ | 737 | | |
| 4.50 | % | |
$ | 1,064 | | |
| 6.50 | % |
| Tier 1 (Core) Capital | |
| | | |
| | | |
| | | |
| | | |
| | | |
| | |
| to average assets | |
$ | 9,992 | | |
| 5.80 | % | |
$ | 6,890 | | |
| 4.00 | % | |
$ | 8,613 | | |
| 5.00 | % |
|
| SCHEDULE OF OPERATING LEASES |
|
The
Company has the following operating leases as of December 31, 2025:
SCHEDULE
OF OPERATING LEASES
| | |
| |
| |
Monthly | | |
Related | |
Future
Lease | |
| Description | |
Address | |
Expiration | |
Lease | | |
Party | |
Commitments | |
| | |
| |
| |
| | |
| |
| |
| Office
Building | |
Roswell,
GA | |
Apr
30, 2026 | |
$ | 2 | | |
N | |
$ | 10 | |
| | |
| |
| |
| | | |
| |
| | |
| Office
Building | |
Oklahoma
City, OK | |
Dec
31, 2026 | |
$ | 2 | | |
Y | |
| 24 | |
| | |
| |
| |
| | | |
| |
| | |
| | |
| |
| |
$ | 4 | | |
| |
$ | 34 | |
|