| Dec 31, 2018 | Dec 31, 2019 | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 |
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Cash and due from banks | 24 | 18 | 20 | 15 | 23 |
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Interest-bearing deposits in other financial institutions | 138 | 128 | 174 | 188 | 124 |
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Total cash and cash equivalents | 162 | 146 | 194 | 203 | 147 |
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Securities available-for-sale, at fair value | - | - | - | 123 | 142 |
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Loans held-for-sale | 6 | 2 | 2 | 37 | 23 |
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Loans held-for-investment, net of deferred loan costs (fees) | - | - | - | - | 2,046 |
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Allowance for loan losses | - | - | - | - | 25 |
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Net loans held-for-investment | - | - | - | - | 2,021 |
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Premises and equipment, net | 5 | 4 | 4 | 3 | 7 |
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Federal Home Loan Bank and other restricted stock, at cost | 7 | 8 | 8 | 9 | 10 |
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Bank-owned life insurance | - | - | - | 29 | 30 |
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Deferred tax assets, net | 3 | 5 | 8 | 11 | 3 |
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Servicing assets | 8 | 7 | 6 | 7 | 7 |
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Operating lease assets | - | 9 | 8 | 7 | 6 |
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Interest Receivable | - | - | 9 | 5 | 7 |
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Other assets | - | - | 4 | 5 | 16 |
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Total assets | 1,697 | 1,746 | 1,923 | 2,150 | 2,420 |
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Noninterest-bearing demand | 329 | 360 | 538 | 830 | 735 |
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Savings, NOW and money market accounts | 314 | 362 | 409 | 423 | 515 |
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Time deposits of $250,000 or less | 520 | 467 | 379 | 342 | 382 |
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Time deposits of more than $250,000 | 281 | 290 | 269 | 272 | 414 |
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Total deposits | 1,444 | 1,479 | 1,590 | 1,870 | 2,050 |
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Federal Home Loan Bank advances | 30 | 20 | 80 | 10 | 20 |
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Operating Lease, Liability | - | 10 | 8 | 7 | 7 |
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Accrued Liabilities and Other Liabilities | 13 | 10 | 6 | 9 | 12 |
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Total liabilities | 1,487 | 1,519 | 1,689 | 1,893 | 2,085 |
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Preferred Stock, Value, Issued | - | - | - | - | 69 |
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Common Stock, Value, Issued | 171 | 169 | 164 | 155 | 150 |
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Retained earnings | 38 | 58 | 68 | 101 | 127 |
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Accumulated other comprehensive income (loss), net | -2 | -0 | 2 | 0 | -11 |
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Total shareholders’ equity | 210 | 227 | 234 | 256 | 335 |
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Total liabilities and shareholders’ equity | 1,697 | 1,746 | 1,923 | 2,150 | 2,420 |
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