Consolidated Statements of Cash Flows - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2018	Sep. 30, 2017
Cash flows from operating activities:
Net income	$ 540	$ 2,268
Adjustments to reconcile net (loss) income to net cash used in operating activities:
Loan provision recapture	(1,000)	(950)
Provision for losses on REOs	45
Depreciation	181	194
Net amortization of deferred loan origination costs	323	216
Net amortization of premiums on mortgage-backed securities	26	23
Amortization of investment in affordable housing limited partnership	146	146
ESOP compensation expense	67	79
Earnings on bank owned life insurance	(39)	(41)
Originations of loans receivable held for sale	(20,288)	(94,972)
Proceeds from sales of loans receivable held for sale	6,614	81,853
Repayments on loans receivable held for sale	106	318
Gain on sale of loans receivable held for sale	(20)	(383)
Change in assets and liabilities:
Net change in deferred taxes	348	1,210
Net change in accrued interest receivable	(168)	65
Net change in other assets	19	110
Net change in advance payments by borrowers for taxes and insurance	449	709
Net change in accrued expenses and other liabilities	436	(222)
Net cash used in operating activities	(12,108)	(9,137)
Cash flows from investing activities:
Net change in loans receivable held for investment	(2,873)	49,371
Principal payments on available-for-sale securities	1,760	1,708
Purchase of FHLB stock		(343)
Additions to office properties and equipment	(71)	(177)
Net cash provided by (used in) investing activities	(1,184)	50,559
Cash flows from financing activities:
Net change in deposits	(12,405)	7,493
Proceeds from FHLB advances	34,500	29,500
Repayments of FHLB advances	(17,500)	(28,500)
Payment for tax withholding for vesting of restricted stock	(108)
Net cash provided by financing activities	4,487	8,493
Net change in cash and cash equivalents	(8,805)	49,915
Cash and cash equivalents at beginning of the period	22,219	18,430
Cash and cash equivalents at end of the period	13,414	68,345
Supplemental disclosures of cash flow information:
Cash paid for interest	3,357	3,168
Cash paid for income taxes		20
Supplemental disclosures of cash flow information:
Transfers of loans receivable held for investment to REO		958
Transfers of loans receivable held for investment to loans receivable held for sale		9,337
Supplemental disclosures of non-cash investing and financing:
Transfers of loans receivable held for sale to loans receivable held for investment	16,871
Common stock exchanged for payment of tax withholding	108
Directors
Supplemental disclosures of non-cash investing and financing:
Common stock issued to directors for compensation	45
Directors | Common Stock
Adjustments to reconcile net (loss) income to net cash used in operating activities:
Stock-based compensation expense	45
Employees, excluding Directors
Adjustments to reconcile net (loss) income to net cash used in operating activities:
Stock-based compensation expense	$ 62	$ 240