Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities:
Net income	$ 473	$ 1,868
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	400	581
Depreciation	315	183
Deferred loan costs, net	312	115
Accretion on discount of purchased loans, net	(35)	(67)
Stock based compensation, net	280	172
Increase in cash surrender value of life insurance	(153)	(105)
Discount on retained portion of sold loans, net	(156)	(6)
Loss on sale of investment securities, net	70
Gain on sale of loans, net		(23)
Increase in accrued interest receivable and other assets	167	1,020
Decrease in accrued interest payable and other liabilities	(1,730)	(2,313)
Net cash from operating activities	(57)	1,425
Cash flows from investing activities:
Purchase of investment securities, net	(7,438)
Proceeds from principal payments on investment securities	1,641	1,652
Net increase in loans	(19,671)	(42,529)
Purchase of low income tax credit investments	(26)	(197)
Purchase of premises and equipment	(74)	(29)
Purchase of bank-owned life insurance policies	(815)
Net cash used in investing activities	(26,383)	(41,103)
Cash flows from financing activities:
Net increase (decrease) in customer deposits	40,625	(3,079)
Proceeds from short term and overnight borrowings	12,000	25,000
Proceeds from exercised stock options	83	372
Net cash provided by financing activities	52,708	22,293
Increase (decrease) in cash and cash equivalents	26,268	(17,385)
Cash and cash equivalents, beginning of period	114,342	78,705
Cash and cash equivalents, end of period	140,610	61,320
Supplemental disclosure of cash flow information:
Transfer of SBA loans to held-for-sale from loan portfolio	0	146
Recording of right to use assets and operating lease liabilities	4,079	5,052
Cash paid during the year for:
Interest	2,147	1,509
Income taxes	$ 164	$ 710