CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,406	$ 1,398
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses and unfunded commitments	648	300
Depreciation	356	281
Amortization and accretion	164	124
Gain on investment securities	(96)
Gain on equity securities	(31)
Gain on sale of loans held for sale, originated	(435)
Increase in bank owned life insurance cash surrender value	(50)
Deferred income tax (benefits) expenses	(366)	462
Stock‑based compensation expense, net of employee tax obligation	5	5
Changes in assets and liabilities:
Increase in loans held for sale	(1,199)
Increase in accrued interest receivable	(165)	(133)
Decrease (increase) in other assets	516	(3,432)
(Decrease) increase in accrued interest payable	(9)	62
Increase in other liabilities	295	3,675
Net cash provided by operating activities	2,039	2,742
CASH FLOWS FROM INVESTING ACTIVITIES:
Purchases of securities available for sale	(6,315)	(1,124)
Proceeds from maturities and paydowns of securities available for sale	8,831	1,713
Net increase in loans	(21,334)	(17,297)
Purchases of premises and equipment	(105)	(212)
Proceeds from sales of Federal Home Loan Bank stock	272	810
Purchase of Federal Home Loan Bank stock	(51)	(919)
Net cash used by investing activities	(18,702)	(17,029)
CASH FLOWS FROM FINANCING ACTIVITIES:
Increase in demand, NOW, money market, and savings deposits, net	24,185	948
Cash received for the exercise of stock options	85
Cash received for the exercise of warrants	10
(Decrease) increase in time deposits, net	(10,243)	14,802
Decrease in other borrowings, net	(7,301)	(1,165)
Net decrease in minority interest contributed capital	(29)
Decrease in finance lease liability	(20)
Dividends paid	(445)	(250)
Net cash provided by financing activities	6,242	14,335
Net (decrease) increase in cash and cash equivalents	(10,421)	48
Cash and cash equivalents, beginning of period	95,111	29,694	$ 29,694
Cash and cash equivalents, end of period	84,690	29,742	$ 95,111
Supplementary cash flow information:
Interest paid	3,227	1,706
Income taxes paid		25
Total appreciation on securities available for sale	$ 901	860
SUPPLEMENTARY NON‑CASH INVESTING ACTIVITIES
Loans converted to other real estate owned		$ 209