Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2021	Mar. 31, 2020
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,451	$ 981
Adjustments to reconcile net income to net cash from operating activities:
Amortization of net discounts on investments	56	22
Provision for loan losses	0	250
Depreciation and amortization	176	245
Compensation expense related to stock options and restricted stock	166	185
Fair value adjustment on mortgage servicing rights	275	362
Right of use assets amortization	247	257
Change in lease liabilities	(240)	(244)
Increase in cash surrender value of BOLI	(74)	(15)
Net change in advances from borrowers for taxes and insurance	578	546
Net gain on sale of loans	(2,053)	(318)
Proceeds from sale of loans held-for-sale	69,741	19,003
Originations of loans held-for-sale	(67,401)	(23,721)
Net gain on OREO and repossessed assets	(16)	0
Change in operating assets and liabilities:
Accrued interest receivable	94	1
Other assets	(337)	45
Accrued interest payable	(236)	(2)
Other liabilities	4,353	(878)
Net cash provided by (used in) operating activities	7,780	(3,281)
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of available-for-sale securities	0	(2,489)
Proceeds from principal payments, maturities and sales of available-for-sale securities	1,047	514
Net (increase) decrease in loans	(1,079)	(5,485)
Reduction in (purchase of) BOLI	(28)	113
Purchases of premises and equipment, net	(29)	(355)
Proceeds from sale of OREO and other repossessed assets	35	0
Net cash used in investing activities	(54)	(7,702)
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	68,712	17,840
Proceeds from borrowings	0	15,650
Repayment of borrowings	0	(15,650)
FHLB stock purchased	(175)	(5)
Allocation of ESOP shares	100	95
Dividends paid on common stock	(702)	(903)
Proceeds from common stock option exercises	104	182
Net cash provided by financing activities	68,039	17,209
Net change in cash and cash equivalents	75,765	6,226
Cash and cash equivalents, beginning of period	193,828	55,770
Cash and cash equivalents, end of period	269,593	61,996
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	0	0
Interest paid on deposits and borrowings	$ 1,699	$ 1,920