Consolidated Balance Sheet - USD ($) $ in Thousands	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and due from banks	$ 2,869	$ 2,790
Interest-bearing deposits in banks	106,858	52,589
Cash and cash equivalents	109,727	55,379
Time deposits in banks	2,381	2,381
Investment securities available for sale	30,893	0
Investment securities held to maturity	2	41
Restricted equity securities, at cost	2,827	2,362
SBA loans held for investment, at fair value	9,614	9,264
Loans held for investment, at amortized cost net of allowance for loan losses of $13,452 and $21,162	560,882	1,197,896
Accrued interest receivable	3,564	7,300
Premises and equipment, net	29,671	18,115
Loan servicing rights	6,619	8,160
Deferred income taxes	454	3,808
Right-of-use operating lease assets	4,543	3,737
Bank owned life insurance	24,547	12,183
Other assets	15,780	15,361
Total assets	917,095	1,544,691
Liabilities:
Noninterest-bearing deposits	83,638	62,650
Interest-bearing transaction accounts	163,495	140,265
Savings and money market deposits	423,864	286,744
Time deposits	50,688	69,125
Total deposits	721,685	558,784
Subordinated debentures	5,985	5,948
Notes payable	3,299	3,754
PPP Liquidity Facility	69,654	881,262
Accrued interest payable	326	1,999
Operating lease liabilities	4,747	3,925
Accrued expenses and other liabilities	15,109	17,950
Total liabilities	820,805	1,473,622
Shareholders’ equity:
Common stock and additional paid-in capital; no par value, 15,000,000 shares authorized, 3,981,117 and 3,485,018 shares issued and outstanding at December 31, 2021 and December 31, 2020	51,496	43,043
Accumulated other comprehensive income (loss), net	(420)	0
Unearned compensation	(17)	(41)
Retained earnings	35,947	13,390
Total shareholders’ equity	96,290	71,069
Total liabilities and shareholders’ equity	917,095	1,544,691
Residential loans held for sale
ASSETS
Loans held for sale	114,131	208,704
Government guaranteed loans
ASSETS
Loans held for sale	1,460	0
Preferred Shares, Series A
Shareholders’ equity:
Preferred stock	6,161	6,161
Preferred Shares, Series B
Shareholders’ equity:
Preferred stock	$ 3,123	$ 8,516