Consolidated Statements of Cash Flows (Unaudited) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Cash Flows from Operating Activities
Net income	$ 3,264,000	$ 997,000
Adjustments to reconcile net income to net cash used in operating activities:
Provision for loan losses	679,000	254,000
Depreciation of premises and equipment	89,000	111,000
Amortization of operating right-of-use assets	71,000	38,000
Amortization of subordinated debt issuance costs	8,000	8,000
Amortization of other intangible	12,000	12,000
Net amortization of securities premiums	(2,000)	5,000
Accretion of deferred loan fees and costs, net	(832,000)	(793,000)
Stock-based compensation expense	133,000	102,000
Gain on the sale of investment securities available for sale	0	(317,000)
Net gain on loans held for sale	(4,101,000)	(1,215,000)
Loans held for sale-originations	(102,252,000)	(84,893,000)
Loans held for sale-proceeds	157,309,000	76,471,000
Gain on the sale of SBA loans	(133,000)	(201,000)
Increase in the cash surrender value of bank-owned life insurance	(21,000)	(19,000)
Changes in assets and liabilities which provided (used) cash:
Accrued interest receivable	362,000	(523,000)
Prepaid expenses and other assets	1,002,000	808,000
Accrued interest payable	124,000	133,000
Accrued expenses and other liabilities	2,354,000	285,000
Net Cash Provided by (Used in) Operating Activities	58,066,000	(8,737,000)
Cash Flows from Investing Activities
Purchase of interest-earning time deposits	(590,000)	0
Redemption of interest-earning time deposits	1,553,000	1,499,000
Principal repayments on investment securities available for sale	0	250,000
Proceeds from the sale of investment securities available for sale	236,000	4,323,000
Net increase in loans receivable	(33,056,000)	(51,645,000)
Purchase of Federal Home Loan Bank stock	(920,000)	0
Redemption of Federal Home Loan Bank stock	0	400,000
Acquisition, net of cash acquired	0	1,259,000
Capitalized expenditures on other real estate owned	0	(30,000)
Purchase of premises and equipment	(139,000)	(147,000)
Net Cash Used in Investing Activities	(32,916,000)	(44,091,000)
Cash Flows from Financing Activities
Net increase in demand deposits, money markets, and savings accounts	6,507,000	95,064,000
Net increase (decrease) in certificate accounts	4,962,000	(10,192,000)
Decrease in advances from borrowers for taxes and insurance	(359,000)	(706,000)
Repayments of Federal Home Loan Bank short-term borrowings	(26,000,000)	(10,000,000)
Proceeds from Federal Home Loan Bank short-term borrowings	23,000,000	0
Repayments of Federal Reserve Bank long-term borrowings	(546,000)	(4,608,000)
Proceeds from other borrowings	916,000	0
Repayments of other borrowings	0	(7,832,000)
Dividends paid	(221,000)	(179,000)
Noncontrolling interest capital distribution	(117,000)	0
Purchase of treasury stock	(14,000)	(5,000)
Proceeds from the reissuance of treasury stock	18,000	20,000
Proceeds from the exercise of stock options	13,000	16,000
Net Cash Provided by Financing Activities	8,159,000	61,578,000
Net Increase in Cash and Cash Equivalents	33,309,000	8,750,000
Cash and Cash Equivalents – Beginning of Year	10,705,000	33,913,000
Cash and Cash Equivalents – End of Year	44,014,000	42,663,000
Supplementary Disclosure of Cash Flow and Non-Cash Information:
Cash payments for interest	771,000	1,054,000
Cash payments for income taxes	107,000	85,000
Initial recognition of operating lease right-of use assets	0	670,000
Initial recognition of operating lease obligations	$ 0	$ 670,000