Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	6 Months Ended
	Jun. 30, 2020	Jun. 30, 2019
Cash flows from operating activities:
Net income	$ 2,023	$ 4,418
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for loan losses	3,330	826
Depreciation	646	362
Deferred loan fees/(costs), net	4,259	(7)
Accretion on discount of purchased loans, net	(136)	(157)
Stock based compensation, net	594	401
Increase in cash surrender value of life insurance	(296)	(208)
Discount on retained portion of sold loans, net	(166)	(19)
Loss on sale of investment securities, net	70
Gain on sale of loans, net		(23)
Increase in accrued interest receivable and other assets	(3,503)	3,197
Decrease in accrued interest payable and other liabilities	(282)	(6,414)
Net cash from operating activities	6,539	2,376
Cash flows from investing activities:
Purchase of investment securities, net	(14,004)
Proceeds from principal payments on investment securities	3,570	5,830
Net increase in loans	(351,545)	(65,343)
Purchase of low income tax credit investments	(714)	(524)
Purchase of premises and equipment	(1,687)	(50)
Purchase of bank-owned life insurance policies	(821)	(3,958)
Net cash used in investing activities	(365,201)	(64,045)
Cash flows from financing activities:
Net increase (decrease) in customer deposits	397,466	7,967
Proceeds from short term and overnight borrowings	354,703	30,000
Proceeds from exercised stock options	220	392
Net cash provided by financing activities	752,389	38,359
Increase (decrease) in cash and cash equivalents	393,727	(23,310)
Cash and cash equivalents, beginning of period	114,342	78,705
Cash and cash equivalents, end of period	508,069	55,395
Supplemental disclosure of cash flow information:
Transfer of SBA loans to held-for-sale from loan portfolio		146
Recording of right to use assets and operating lease liabilities	3,516	6,351
Cash paid during the year for:
Interest	4,114	3,767
Income taxes	$ 164	$ 930