CONSOLIDATED BALANCE SHEETS (unaudited) - USD ($) $ in Thousands	Sep. 30, 2021	Dec. 31, 2020
ASSETS
Cash and cash equivalents	$ 188,145	$ 106,310
Available-for-sale debt securities, at fair value	102,535	91,791
Other investments	11,025	10,101
Loans held-for-sale	94,466	26,659
Loans receivable, net of allowance of $14,134 in 2021 and $15,352 in 2020	1,217,687	1,084,384
Premises and equipment, net	4,199	4,544
Accrued interest receivable, net of allowance of $465 in 2021 and $643 in 2020	3,931	3,985
Servicing assets	12,389	7,360
Company owned life insurance	11,070	10,879
Deferred tax assets	5,247	5,242
Operating right-of-use assets	9,270	6,786
Other assets	19,947	8,785
Total assets	1,679,911	1,366,826
Deposits:
Noninterest bearing	713,141	522,754
Interest bearing:
Money market and others	351,186	328,323
Time deposits greater than $250,000	209,091	200,210
Other time deposits	222,988	148,803
Total deposits	1,496,406	1,200,090
Federal Home Loan Bank advances	0	5,000
Accrued interest payable	575	1,021
Operating lease liabilities	10,703	8,429
Other liabilities	13,603	8,920
Total liabilities	1,521,287	1,223,460
Shareholders’ equity
Preferred stock – no par value; 10,000,000 shares authorized; no shares issued or outstanding in 2021 and 2020	0	0
Common stock – no par value; 50,000,000 shares authorized; 15,133,407 and 15,016,700 shares issued and outstanding in 2021 and 2020	78,718	78,657
Additional paid-in capital	8,491	8,521
Retained earnings	71,436	55,348
Accumulated other comprehensive (loss) income	(21)	840
Total shareholders’ equity	158,624	143,366
Total liabilities and shareholders' equity	$ 1,679,911	$ 1,366,826