Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2018	Dec. 31, 2017
Assets
Cash and due from banks	$ 36,339	$ 37,965
Interest-bearing deposits in banks	15,711	7,111
Cash and cash equivalents	52,050	45,076
Federal Home Loan Bank stock, at cost	4,428	4,428
Securities available for sale	170,804	184,791
Loans held for sale	1,248	1,539
Loans receivable, net of allowance for loans of 4,536 at December 31, 2018 and 4,826 at December 31, 2017 and deferred loan fees of $419 at December 31, 2018 and $443 at December 31, 2017.	658,782	637,102
Accrued interest receivable	3,503	3,589
Foreclosed assets, net	3,598	3,369
Bank owned life insurance	10,672	10,368
Premises and equipment, net	21,759	22,700
Deferred tax assets	1,825	1,764
Other assets	2,730	2,784
Total assets	931,399	917,510
Deposits:
Non-interest-bearing accounts	129,476	136,197
Interest-bearing accounts:
Interest bearing checking accounts	196,972	208,496
Savings and money market accounts	97,232	104,347
Other time deposits	316,157	304,969
Total deposits	739,837	754,009
Advances from Federal Home Loan Bank	33,000	23,000
Repurchase agreements	53,011	38,353
Subordinated debentures	10,310	10,310
Advances from borrowers for taxes and insurance	1,279	808
Accrued expenses and other liabilities	3,176	3,618
Total liabilities	840,613	830,098
Stockholders' equity
Preferred stock, par value $0.01 per share; authorized 500,000 shares; no shares issued or outstanding at December 31, 2018 and December 31, 2017
Common stock, par value $.01 per share; authorized 15,000,000 shares; 7,990,867 issued and 6,648,887 outstanding at December 31, 2018 and 7,976,131 issued and 6,637,771 outstanding at December 31, 2017	80	80
Additional paid-in-capital	59,105	58,825
Retained earnings	55,134	51,162
Treasury stock, at cost (1,341,980 shares at December 31, 2018 and 1,338,360 shares at December 31, 2017)	(16,706)	(16,655)
Unearned ESOP shares (at cost 382,691 shares at December 31, 2018 and 434,548 at December 31, 2017)	(5,268)	(5,901)
Accumulated other comprehensive loss, net of taxes	(1,559)	(99)
Total stockholders' equity	90,786	87,412
Total liabilities and stockholders' equity	$ 931,399	$ 917,510