CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
ASSETS
Cash and due from banks	$ 2,478	$ 2,880
Federal funds sold and interest-bearing deposits in other banks	62,775	185,460
Cash and cash equivalents	65,253	188,340
Certificates of deposit held for investment	7,540	8,780
Securities available for sale, at fair value	9,029	11,978
Securities held to maturity (fair value of $30,459 and $38,212 at September 30, 2019 and December 31, 2018, respectively)	30,302	38,912
Loans held for sale, at fair value	17,587	9,686
Loans receivable	660,879	682,349
Allowance for loan losses	(7,431)	(8,044)
Loans, net	653,448	674,305
Real estate acquired through foreclosure	1,873	1,537
Restricted stock investments	2,431	3,766
Premises and equipment, net	22,384	22,745
Accrued interest receivable	2,514	2,848
Deferred income taxes	1,902	2,363
Bank owned life insurance	5,341	5,225
Goodwill	1,104	1,104
Other assets	5,211	2,644
Total assets	825,919	974,233
Deposits:
Noninterest bearing	129,777	146,604
Interest-bearing	527,377	632,902
Total deposits	657,154	779,506
Long-term borrowings	38,498	73,500
Subordinated debentures	20,619	20,619
Accrued expenses and other liabilities	5,029	2,155
Total liabilities	721,300	875,780
Stockholders' Equity:
Common stock, $0.01 par value, 20,000,000 shares authorized; 12,777,537 and 12,759,576 shares issued and outstanding at September 30, 2019 and December 31, 2018, respectively	128	128
Additional paid-in capital	65,744	65,538
Retained earnings	38,750	32,860
Accumulated other comprehensive loss	(3)	(73)
Total stockholders' equity	104,619	98,453
Total liabilities and stockholders' equity	$ 825,919	$ 974,233