CONSOLIDATED BALANCE SHEETS - USD ($)	Dec. 31, 2021	Dec. 31, 2020
ASSETS
Cash and cash equivalents	$ 115,459,000	$ 106,310,000
Available-for-sale debt securities, at fair value	150,444,000	91,791,000
Other investments	10,999,000	10,101,000
Loans held for sale	89,428,000	26,659,000
Loans receivable, net of allowance of $16,123 in 2021 and $15,352 in 2020	1,297,896,000	1,084,384,000
Premises and equipment, net	4,355,000	4,544,000
Accrued interest receivable, net of allowance of $205 in 2021 and $643 in 2020	4,579,000	3,985,000
Servicing assets	12,720,000	7,360,000
Company owned life insurance	11,134,000	10,879,000
Deferred tax assets, net	8,409,000	5,242,000
Operating right-of-use assets	8,905,000	6,786,000
Other assets	12,363,000	8,785,000
Total assets	1,726,691,000	1,366,826,000
Deposits:
Noninterest bearing	774,754,000	522,754,000
Interest bearing:
Money market and others	380,226,000	328,323,000
Time deposits greater than $250,000	207,288,000	200,210,000
Other time deposits	171,798,000	148,803,000
Total deposits	1,534,066,000	1,200,090,000
Federal Home Loan Bank advances	0	5,000,000
Accrued interest payable	558,000	1,021,000
Operating lease liabilities	10,307,000	8,429,000
Other liabilities	16,538,000	8,920,000
Total liabilities	1,561,469,000	1,223,460,000
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; 15,137,808 and 15,016,700 shares issued and outstanding in 2021 and 2020, respectively	78,718,000	78,657,000
Additional paid-in capital	8,645,000	8,521,000
Retained earnings	79,056,000	55,348,000
Accumulated other comprehensive (loss) income	(1,197,000)	840,000
Total shareholders’ equity	165,222,000	143,366,000
Total liabilities and shareholders' equity	$ 1,726,691,000	$ 1,366,826,000