Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Due from banks, non-interest-bearing	$ 394	$ 541
Due from banks, interest-bearing	9,390	14,014
Cash and cash equivalents	9,784	14,555
Investment in interest-earning time deposits	9,463	10,172
Investment securities available for sale	10,950	7,623
Loans held for sale	30,986	8,928
Loans receivable, net of allowance for loan losses (2020 $2,852; 2019 $2,231)	345,060	246,692
Accrued interest receivable	2,787	1,349
Investment in Federal Home Loan Bank stock, at cost	1,465	1,580
Bank-owned life insurance	4,033	3,974
Premises and equipment, net	2,332	2,226
Goodwill	515	515
Other intangible, net of accumulated amortization	283	319
Other real estate owned, net	389	1,824
Prepaid expenses and other assets	4,256	2,783
Total Assets	422,303	302,540
Liabilities
Non-interest bearing	36,227	15,775
Interest-bearing	262,816	211,683
Total deposits	299,043	227,458
Federal Home Loan Bank short-term borrowings	4,000	10,000
Federal Home Loan Bank long-term borrowings	29,193	26,271
Federal Reserve Bank long-term borrowings	48,834	0
Subordinated debt	7,890	7,865
Accrued interest payable	454	314
Advances from borrowers for taxes and insurance	1,787	2,780
Accrued expenses and other liabilities	3,245	1,945
Total Liabilities	394,446	276,633
Stockholders’ Equity
Preferred stock – $0.01 par value, 1,000,000 shares authorized; none issued or outstanding	0	0
Common stock – $0.01 par value; 9,000,000 shares authorized; 2,777,250 issued; 1,997,304 and 1,984,857 outstanding at September 30, 2020 and December 31, 2019, respectively	28	28
Additional paid-in capital	15,198	14,990
Treasury stock, at cost: 779,946 and 792,393 shares at September 30, 2020 and December 31, 2019, respectively	(4,960)	(4,950)
Unallocated common stock held by: Employee Stock Ownership Plan (ESOP)	(67)	(118)
Accumulated other comprehensive income	87	20
Retained earnings	17,571	15,937
Total Stockholders' Equity	27,857	25,907
Total Liabilities and Stockholders’ Equity	$ 422,303	$ 302,540