CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Sep. 30, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 105,740	$ 82,972
Available-for-sale debt securities, at fair value	191,313	209,809
Other investments	16,100	12,098
Loans held for sale	0	44,335
Loans receivable, net of allowance for credit losses of $21,617 in 2023 and $19,241 in 2022	1,737,908	1,659,051
Premises and equipment, net	5,378	4,400
Accrued interest receivable	7,996	7,180
Servicing assets	11,931	12,759
Company owned life insurance	22,071	21,613
Deferred tax assets, net	15,061	14,316
Operating right-of-use assets	8,993	9,097
Other assets	20,184	16,867
Total assets	2,142,675	2,094,497
Deposits:
Noninterest-bearing	605,509	701,584
Interest-bearing:
Money market and others	348,869	526,321
Time deposits greater than $250	420,162	356,197
Other time deposits	450,631	301,669
Total deposits	1,825,171	1,885,771
Federal Home Loan Bank advances	95,000	0
Accrued interest payable	13,552	2,771
Operating lease liabilities	9,926	10,213
Other liabilities	14,719	18,826
Total liabilities	1,958,368	1,917,581
Shareholders’ equity
Preferred stock no par value; 10,000,000 shares authorized; no shares issued or outstanding in 2023 and 2022	0	0
Common stock – no par value; 50,000,000 shares authorized; 15,149,203 and 15,270,344 shares issued and outstanding in 2023 and 2022, respectively	77,632	79,326
Additional paid-in capital	10,606	9,743
Retained earnings	117,483	105,690
Accumulated other comprehensive loss	(21,414)	(17,843)
Total shareholders’ equity	184,307	176,916
Total liabilities and shareholders' equity	$ 2,142,675	$ 2,094,497