Consolidated Statements of Cash Flows - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities:
Net income	$ 183	$ 142
Adjustments to reconcile net income to net cash used in operating activities:
Loan loss provision (recapture)	29	(348)
Provision for losses on REOs		13
Depreciation	115	115
Net amortization of deferred loan origination costs	136	95
Net amortization of premiums on mortgage-backed securities	19	13
Amortization of investment in affordable housing limited partnership	53	98
ESOP compensation expense	32	28
Earnings on bank owned life insurance	(23)	(26)
Originations of loans receivable held for sale	(110,908)	(10,280)
Proceeds from sales and repayments of loans receivable held for sale	60,997
Repayments on loans receivable held for sale	315	46
Gain on sale of loans receivable held for sale	(123)
Change in assets and liabilities:
Net change in deferred taxes	(271)	(31)
Net change in accrued interest receivable	(68)	(111)
Net change in other assets	(349)	107
Net change in advance payments by borrowers for taxes and insurance	43	29
Net change in accrued expenses and other liabilities	442	(281)
Net cash used in operating activities	(49,154)	(10,230)
Cash flows from investing activities:
Net change in loans receivable held for investment	23,265	(7,153)
Principal payments on available-for-sale securities	1,125	952
Proceeds from sales of REO		820
Purchase of FHLB stock	(670)
Purchase of office properties and equipment	(328)	(23)
Net cash provided by (used in) investing activities	23,392	(5,404)
Cash flows from financing activities:
Net change in deposits	18,054	14,384
Proceeds from FHLB advances	66,000	10,000
Repayments on FHLB advances	(33,500)	(5,000)
Repayments of junior subordinated debentures	(510)	(255)
Net cash provided by financing activities	50,044	19,129
Net change in cash and cash equivalents	24,282	3,495
Cash and cash equivalents at beginning of the period	15,566	16,651
Cash and cash equivalents at end of the period	39,848	20,146
Supplemental disclosures of cash flow information:
Cash paid for interest	3,290	2,971
Cash paid for income taxes	3	13
Supplemental disclosures of non-cash investing and financing activities:
Transfers of loans receivable held for sale to loans receivable held for investment		1,064
Transfers of loans receivable held for investment to loans receivable held for sale		10,684
Initial Recognition of Operating Lease Right-of-Use Assets		1,120
Initial Recognition of Operating Lease Liabilities		1,120
Employees, excluding Directors
Adjustments to reconcile net income to net cash used in operating activities:
Stock-based compensation expense	179	109
Directors
Adjustments to reconcile net income to net cash used in operating activities:
Stock-based compensation expense	$ 45	$ 52