Condensed Consolidated Statements of Cash Flows (unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 5,443,000	$ 4,809,000
Adjustments to reconcile net income to net cash from operating activities:
Amortization of net discounts on investments	104,000	27,000
Provision (recapture) for loan losses	925,000	(150,000)
Depreciation and amortization	696,000	799,000
Compensation expense related to stock options and restricted stock	283,000	159,000
Fair value adjustment on mortgage servicing rights	1,423,000	576,000
Right of use assets amortization	696,000	756,000
Increase in cash surrender value of BOLI	(207,000)	(267,000)
Net change in advances from borrowers for taxes and insurance	373,000	514,000
Net gain on sale of loans	(3,399,000)	(1,000,000)
Proceeds from sale of loans held-for-sale	179,244,000	54,430,000
Originations of loans held-for-sale	(193,892,000)	(54,683,000)
Net loss on OREO and repossessed assets	0	11,000
Change in operating assets and liabilities:
Accrued interest receivable	(330,000)	81,000
Other assets	314,000	859,000
Accrued interest payable	(13,000)	75,000
Change in lease liabilities	(662,000)	(656,000)
Other liabilities	(585,000)	883,000
Net cash (used in) provided by operating activities	(9,587,000)	7,223,000
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchase of available-for-sale securities	(7,177,000)	(3,066,000)
Proceeds from principal payments, maturities and sales of available-for-sale securities	3,190,000	245,000
Net (increase) decrease in loans	(68,622,000)	6,694,000
Reduction in (purchase of) BOLI	(14,000)	(402,000)
Purchases of premises and equipment, net	(396,000)	(227,000)
Net cash (used in) provided by investing activities	(73,019,000)	3,244,000
CASH FLOWS FROM FINANCING ACTIVITIES:
Net increase in deposits	132,132,000	56,020,000
Proceeds from borrowings	87,991,000	91,225,000
Repayment of borrowings	(87,991,000)	(162,775,000)
Proceeds from subordinated debt, net	11,676,000	0
FHLB stock (purchased) redeemed	(4,000)	2,776,000
Allocation of ESOP shares	238,000	294,000
Dividends paid on common stock	(1,683,000)	(1,075,000)
Proceeds from common stock option exercises	239,000	131,000
Net cash provided by (used in) financing activities	142,598,000	(13,404,000)
Net change in cash and cash equivalents	59,992,000	(2,937,000)
Cash and cash equivalents, beginning of period	55,770,000	61,810,000
Cash and cash equivalents, end of period	115,762,000	58,873,000
SUPPLEMENTAL CASH FLOW INFORMATION:
Cash paid for income taxes	1,270,000	425,000
Interest paid on deposits and borrowings	5,591,000	5,516,000
Loans transferred from loans held-for-portfolio to OREO and repossessed assets	0	494,000
Leases right of use assets obtained in exchange for operating lease liabilities:
Right of use assets	0	8,136,000
Lease Liabilities	$ 0	$ 8,408,000