Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Cash and due from banks:
Noninterest bearing deposits and cash	$ 1,806	$ 2,693
Interest bearing deposits	50,350	36,711
Total cash and cash equivalents	52,156	39,404
Investment securities:
Available-for-sale securities, at fair value	44,830	48,317
Other investments, at cost	4,450	4,450
Total investment securities	49,280	52,767
Federal Reserve Bank stock, at cost	2,897	2,897
Federal Home Loan Bank stock, at cost	4,477	4,477
Loans receivable (net of allowance for loan losses: 2020: $10,916 and 2019: $10,115)	807,925	802,049
SBA loans held for sale	17,996	15,282
Accrued interest and dividends receivable	3,801	3,603
Premises and equipment, net	34,312	34,568
Other real estate owned	2,400	2,400
Deferred tax asset, net	11,989	11,133
Goodwill	1,107	1,107
Core deposit intangible, net	605	623
Other assets	10,634	9,526
Total assets	999,579	979,836
Deposits:
Noninterest bearing deposits	83,583	88,135
Interest bearing deposits	719,631	681,400
Total deposits	803,214	769,535
Federal Home Loan Bank and correspondent bank borrowings	90,000	100,000
Senior notes, net	11,871	11,853
Subordinated debt, net	9,760	9,752
Junior subordinated debt owed to unconsolidated trust, net	8,104	8,102
Note payable	1,143	1,193
Advances from borrowers for taxes and insurance	2,637	3,681
Accrued expenses and other liabilities	8,227	8,726
Total liabilities	934,956	912,842
Commitments and Contingencies
Shareholders' equity
Preferred stock, no par value; 1,000,000 shares authorized, no shares issued and outstanding	0	0
Common stock, $.01 par value, 100,000,000 shares authorized; As of March 31, 2020: 4,006,582 shares issued; 3,932,841 shares outstanding; As of December 31, 2019: 4,004,410 shares issued; 3,930,669 shares outstanding	106,213	106,170
Accumulated deficit	(39,845)	(38,773)
Accumulated other comprehensive loss	(1,745)	(403)
Total shareholders' equity	64,623	66,994
Total liabilities and shareholders' equity	$ 999,579	$ 979,836