CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($)	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES
Net income	$ 6,018,000	$ 2,724,000
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	357,000	1,578,000
Depreciation and amortization	416,000	309,000
Loss on disposition of fixed assets		3,000
Decrease in operating lease right-of-use assets	261,000	265,000
Decrease in operating lease liabilities	(259,000)	(260,000)
Gain on sales of loans	(130,000)
Proceeds from sale of loans	2,201,000
Net premium amortization (discount accretion) on investment securities	10,000	(4,000)
Stock-based compensation	363,000	129,000
Increase in bank-owned life insurance value	(51,000)	(49,000)
Deferred tax benefit		(15,000)
Net change in other assets and liabilities	(745,000)	339,000
Net cash provided by operating activities	8,441,000	5,019,000
CASH FLOWS FROM INVESTING ACTIVITIES
Net increase in interest earning deposits with other banks	(43,320,000)	(31,208,000)
Purchase of investment securities available for sale	(14,998,000)
Change in other investments, net	(770,000)	(1,218,000)
Principal paydowns of investment securities available-for-sale	8,000	8,000
Principal paydowns of investment securities held-to-maturity	321,000	56,000
Maturities and calls of investment securities available-for-sale	15,000,000	13,000,000
Increase in loans receivable, net	(221,665,000)	(66,200,000)
Purchases of premises and equipment, net	(502,000)	(1,399,000)
Net cash used by investing activities	(265,926,000)	(86,961,000)
CASH FLOWS FROM FINANCING ACTIVITIES
Net increase in demand deposits, NOW and money market, and savings	254,770,000	30,210,000
Net (decrease) increase in time deposits	(4,362,000)	6,893,000
Net repayments from short term FHLB borrowing		(10,000,000)
Net advances from long term FHLB borrowing		24,999,000
Net advances from Paycheck Protection Program Liquidity Facility	4,803,000
Proceeds from exercise of stock options	151,000	54,000
Net cash provided by financing activities	255,362,000	52,156,000
NET CHANGE IN CASH, DUE FROM BANKS AND RESTRICTED CASH	(2,123,000)	(29,786,000)
CASH, DUE FROM BANKS AND RESTRICTED CASH, beginning of year	18,965,000	43,910,000
CASH, DUE FROM BANKS AND RESTRICTED CASH, end of quarter	16,842,000	14,124,000
SUPPLEMENTAL SCHEDULE OF OPERATING AND INVESTING ACTIVITIES
Interest paid	1,036,000	1,754,000
SUPPLEMENTAL SCHEDULE OF NONCASH TRANSACTIONS
Fair value adjustment of securities available-for-sale, gross	(13,000)	$ 109,000
In conjunction with ASU 2016-02 as detailed in Note 6 to the Unaudited Consolidated Financial Statements, the following assets and liabilities were recognized:
Operating lease right-of-use assets	41,000
Operating lease liabilities	$ (41,000)