Accumulated other comprehensive income (loss) represents other cumulative gains and losses that are not reflected in earnings. The components of other comprehensive income (loss) were as follows:


Year Ended December 31,	2021
	Before Tax		Tax Effect		Net of Tax
Change in net unrealized gain (loss) on securities available for sale	$	5,562	$	—	$	5,562
Other comprehensive income (loss)	$	5,562	$	—	$	5,562


Year Ended December 31,	2020
	Before Tax		Tax Effect		Net of Tax
Change in net unrealized gain (loss) on securities available for sale	$	2,044	$	(5)	$	2,049
Other comprehensive income (loss)	$	2,044	$	(5)	$	2,049


Year Ended December 31,	2019
	Before Tax		Tax Effect		Net of Tax
Change in net unrealized gain (loss) on securities available for sale	$	(526)	$	216	$	(742)
Other comprehensive income (loss)	$	(526)	$	216	$	(742)

Accumulated other comprehensive income (loss) balances were as follows:


	Total Accumulated Other Comprehensive Income (Loss)
Balance at December 31, 2019	$	(565)
Change in net unrealized gain (loss) on securities available for sale	2,049
Balance at December 31, 2020	$	1,484
Change in net unrealized gain (loss) on securities available for sale	5,562
Balance at December 31, 2021	$	7,046