CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest income:
Loans, including fees	$ 13,270	$ 11,887
Securities:
Taxable	364	278
Tax-exempt	102	109
Cash and cash equivalents	58	50
Total interest income	13,794	12,324
Interest expense:
Deposits	3,254	3,236
Borrowings	874	611
Total interest expense	4,128	3,847
Net interest income	9,666	8,477
Provision for loan losses	1,552	219
Net interest income after provision	8,114	8,258
Non-interest income:
Mortgage banking income	7,902	4,908
Wealth management income	1,021	864
SBA loan income	569
Earnings on investment in life insurance	70	72
Net change in the fair value of derivative instruments	954	16
Net change in the fair value of loans held-for-sale	860	90
Net change in the fair value of loans held-for-investment	(62)	324
Net gain (loss) on hedging activity	(1,425)	(275)
Service charges	28	27
Other	438	421
Total non-interest income	10,355	6,447
Non-interest expenses:
Salaries and employee benefits	9,884	7,727
Occupancy and equipment	924	963
Loan expenses	1,075	468
Professional fees	667	472
Advertising and promotion	609	465
Data processing	344	324
Information technology	318	266
Communications	130	192
Other	1,247	1,240
Total non-interest expenses	15,198	12,117
Income before income taxes	3,271	2,588
Income tax expense	755	582
Net income	$ 2,516	$ 2,006
Basic earnings per common share	$ 0.39	$ 0.31
Diluted earnings per common share	$ 0.39	$ 0.31