CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		6 Months Ended
	Jun. 30, 2022	Jun. 30, 2021	Jun. 30, 2022	Jun. 30, 2021
INTEREST INCOME
Loans receivable, including fees	$ 1,555	$ 1,865	$ 3,118	$ 3,673
Investment securities	352	141	681	262
Other	58	10	77	24
Total interest income	1,965	2,016	3,876	3,959
INTEREST EXPENSE
Deposits	87	135	179	290
Advances from Federal Home Loan Bank	68	68	136	136
Total interest expense	155	203	315	426
Net interest income	1,810	1,813	3,561	3,533
Provision for (reversal of) loan losses	(189)	(286)	(260)	(286)
Net interest income after provision for (reversal of) loan losses	1,999	2,099	3,821	3,819
NON-INTEREST INCOME
Service charges on deposit accounts	182	160	350	283
Gain (loss) on disposals and sales of fixed assets	(77)		(77)	25
Bank-owned life insurance	98	23	119	45
Federal community development grant	171		171
Other	5	7	13	24
Total non-interest income	379	190	576	377
NON-INTEREST EXPENSE
Salaries and employee benefits	1,218	1,180	2,479	2,247
Occupancy and equipment	227	172	437	354
Data processing and communication	242	181	450	355
Professional fees	175	94	315	167
Directors' fees	55	70	110	141
ATM and debit card	59	46	108	89
Foreclosed assets, net	(2)	42	(19)	35
Advertising and marketing	109	12	151	21
Franchise and shares tax	58		116
Regulatory fees and assessments	33	31	69	63
Insurance	34	10	66	21
Printing, supplies and postage	51	35	80	55
Other	122	93	207	144
Total non-interest expense	2,381	1,966	4,569	3,692
Income (loss) before income tax expense (benefit)	(3)	323	(172)	504
Income tax expense (benefit)	(21)	63	(59)	93
NET INCOME (LOSS)	$ 18	$ 260	$ (113)	$ 411
Earnings (loss) per share - basic	$ 0.01		$ (0.02)