CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
INTEREST INCOME
Loans receivable, including fees	$ 1,466	$ 1,671	$ 4,584	$ 5,344
Investment securities	381	172	1,062	434
Other	185	13	262	37
Total interest income	2,032	1,856	5,908	5,815
INTEREST EXPENSE
Deposits	93	124	272	414
Advances from Federal Home Loan Bank	69	68	205	204
Total interest expense	162	192	477	618
Net interest income	1,870	1,664	5,431	5,197
Provision for (reversal of) loan losses	(115)		(375)	(286)
Net interest income after provision for (reversal of) loan losses	1,985	1,664	5,806	5,483
NON-INTEREST INCOME
Service charges on deposit accounts	192	165	542	448
Gain (loss) on disposals and sales of fixed assets			(77)	25
Bank-owned life insurance	97	22	216	67
Federal community development grant		1,826	171	1,826
Other	7	12	20	36
Total non-interest income	296	2,025	872	2,402
NON-INTEREST EXPENSE
Salaries and employee benefits	1,168	1,084	3,647	3,331
Occupancy and equipment	203	200	640	554
Data processing and communication	216	201	666	556
Professional fees	157	88	472	255
Directors' fees	75	70	185	211
ATM and debit card	76	48	184	137
Foreclosed assets, net	(2)	39	(21)	74
Advertising and marketing	36	14	187	35
Franchise and shares tax	15		131
Regulatory fees and assessments	35	32	104	95
Insurance	34	14	100	35
Printing, supplies and postage	37	27	117	82
Other	78	67	285	211
Total non-interest expense	2,128	1,884	6,697	5,576
Income (loss) before income tax expense (benefit)	153	1,805	(19)	2,309
Income tax expense (benefit)	14	372	(45)	465
NET INCOME	$ 139	$ 1,433	$ 26	$ 1,844
Earnings per share - basic	$ 0.03		$ 0.01
Earnings per share - diluted	$ 0.03		$ 0.01