Consolidated Statements of Operations - USD ($)	12 Months Ended
	Dec. 31, 2021	Dec. 31, 2020	Dec. 31, 2019
Interest and Dividend Income
Interest and fees on loans	$ 30,115,000	$ 35,835,000	$ 40,568,000
Interest on investment securities	1,924,000	1,460,000	1,667,000
Dividends on investment securities	223,000	399,000	453,000
Other interest income	89,000	209,000	956,000
Total interest and dividend income	32,351,000	37,903,000	43,644,000
Interest Expense
Interest on deposits	2,243,000	9,154,000	13,985,000
Interest on Federal Home Loan Bank borrowings	2,986,000	2,671,000	2,175,000
Interest on senior debt	913,000	915,000	915,000
Interest on subordinated debt	933,000	991,000	1,118,000
Interest on note payable and other	15,000	19,000	25,000
Total interest expense	7,090,000	13,750,000	18,218,000
Net interest income	25,261,000	24,153,000	25,426,000
(Credit) provision for loan losses	(500,000)	2,170,000	4,971,000
Net interest income after (credit) provision for loan losses	25,761,000	21,983,000	20,455,000
Non-interest Income
Loan application, inspection and processing fees	257,000	223,000	113,000
Deposit fees and service charges	251,000	321,000	492,000
Gains on sales of loans	1,886,000	566,000	891,000
Rental income	543,000	523,000	589,000
Gain on sale of investment securities	76,000	0	0
Other income	1,410,000	346,000	398,000
Total non-interest income	4,423,000	1,979,000	2,483,000
Non-interest Expense
Salaries and benefits	11,089,000	14,323,000	13,681,000
Occupancy and equipment expense	3,430,000	3,513,000	3,521,000
Data processing expense	1,451,000	1,571,000	1,463,000
Professional and other outside services	3,155,000	2,828,000	3,010,000
Project expenses, net	1,882,000	818,000	465,000
Advertising and promotional expense	235,000	454,000	380,000
Loan administration and processing expense	134,000	174,000	155,000
Regulatory assessments	907,000	1,477,000	1,233,000
Insurance expense, net	280,000	285,000	136,000
Communications, stationary and supplies	604,000	476,000	518,000
Other operating expense	2,004,000	2,199,000	2,092,000
Total non-interest expense	25,171,000	28,118,000	26,654,000
Income (loss) before income taxes	5,013,000	(4,156,000)	(3,716,000)
Benefit for income taxes	(81,000)	(337,000)	(899,000)
Net income (loss)	$ 5,094,000	$ (3,819,000)	$ (2,817,000)
Basic earnings (loss) per share (in dollars per share)	$ 1.29	$ (0.97)	$ (0.72)
Diluted earnings (loss) per share (in dollars per share)	$ 1.29	$ (0.97)	$ (0.72)