Consolidated Balance Sheets - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 10,279	$ 7,782
Fed funds sold	77	141
Cash and cash equivalents	10,356	7,923
Available for sale securities, stated at fair value	68,135	65,731
Loans held for sale	3,995	771
Loans, net of allowance for loan losses of $3,018 and $3,262 respectively	324,812	369,830
Premises and equipment, net	7,528	8,163
Mortgage servicing rights, net	2,201	2,103
Federal Home Loan Bank stock, at cost	913	1,261
Accrued interest receivable	1,034	1,106
Cash value of life insurance	12,985	13,400
Other assets	9,228	10,811
TOTAL ASSETS	441,187	481,099
Liabilities and Stockholders' Equity
Deposits	357,975	406,137
Advance payments by borrowers for taxes and insurance	12,070	1,240
Federal Home Loan Bank advances	7,633	30,010
Accrued interest payable	419	372
Other liabilities	4,625	5,159
Total liabilities	382,722	442,918
Common stock, $0.01 par value, 90,000,000 shares authorized, 4,876,677 shares issued as of September 30, 2019	49
Additional paid-in capital	19,978
Unallocated common stock of Employee Stock Ownership Plan, 170,262 shares as of September 30, 2019	(1,702)
Retained earnings	39,720	39,764
Accumulated other comprehensive gain (loss), net of income taxes	420	(1,583)
Total stockholders' equity	58,465	38,181
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY	$ 441,187	$ 481,099