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Note 4 - Loans Receivable and Related Allowance for Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2020
Notes Tables  
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]
(Dollar amounts in thousands)
  
March 31, 2020
  
December 31, 2019
Mortgage loans on real estate:
      
 
      
 
Residential first mortgages
   $
294,361
 
   $
293,170
 
Home equity loans and lines of credit
    
95,459
 
    
97,541
 
Commercial real estate
    
263,948
 
    
229,951
 
Total real estate loans
    
653,768
 
    
620,662
 
Other loans:
      
 
      
 
Commercial business
    
69,077
 
    
66,603
 
Consumer
    
19,105
 
    
14,639
 
Total other loans
    
88,182
 
    
81,242
 
Total loans, gross
    
741,950
 
    
701,904
 
Less allowance for loan losses
    
7,220
 
    
6,556
 
Total loans, net
   $
734,730
 
   $
695,348
 
Financing Receivable, Allowance for Credit Loss [Table Text Block]
(Dollar amounts in thousands)
  
Residential Mortgages
  
Home Equity & Lines of Credit
  
Commercial Real Estate
  
Commercial Business
  
Consumer
  
Total
Three months ended March 31, 2020:
      
 
      
 
      
 
      
 
      
 
      
 
Allowance for loan losses:
                                                
Beginning Balance
   $
2,309
 
   $
626
 
   $
2,898
 
   $
636
 
   $
87
 
   $
6,556
 
Charge-offs
    
(11
)
    
(39
)
    
(73
)
    
—
 
    
(15
)
    
(138
)
Recoveries
    
—
 
    
—
 
    
3
 
    
—
 
    
7
 
    
10
 
Provision
    
31
 
    
54
 
    
606
 
    
45
 
    
56
 
    
792
 
Ending Balance
   $
2,329
 
   $
641
 
   $
3,434
 
   $
681
 
   $
135
 
   $
7,220
 
                                                 
At March 31, 2020:
      
 
      
 
      
 
      
 
      
 
      
 
Ending ALL balance attributable to loans:
                                                
Individually evaluated for impairment
   $
2
 
   $
—
 
   $
19
 
   $
5
 
   $
—
 
   $
26
 
Acquired loans collectively evaluated for impairment
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Originated loans collectively evaluated for impairment
    
2,327
 
    
641
 
    
3,415
 
    
676
 
    
135
 
    
7,194
 
Total
   $
2,329
 
   $
641
 
   $
3,434
 
   $
681
 
   $
135
 
   $
7,220
 
Total loans:
      
 
      
 
      
 
      
 
      
 
      
 
Individually evaluated for impairment
   $
349
 
   $
4
 
   $
1,217
 
   $
88
 
   $
—
 
   $
1,658
 
Acquired loans collectively evaluated for impairment
    
57,891
 
    
10,177
 
    
38,619
 
    
7,026
 
    
1,607
 
    
115,320
 
Originated loans collectively evaluated for impairment
    
236,121
 
    
85,278
 
    
224,112
 
    
61,963
 
    
17,498
 
    
624,972
 
Total
   $
294,361
 
   $
95,459
 
   $
263,948
 
   $
69,077
 
   $
19,105
 
   $
741,950
 
                                                 
At December 31, 2019:
      
 
      
 
      
 
      
 
      
 
      
 
Ending ALL balance attributable to loans:
                                                
Individually evaluated for impairment
   $
5
 
   $
—
 
   $
—
 
   $
—
 
   $
—
 
   $
5
 
Acquired loans collectively evaluated for impairment
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Originated loans collectively evaluated for impairment
    
2,304
 
    
626
 
    
2,898
 
    
636
 
    
87
 
    
6,551
 
Total
   $
2,309
 
   $
626
 
   $
2,898
 
   $
636
 
   $
87
 
   $
6,556
 
Total loans:
                                                
Individually evaluated for impairment
   $
358
 
   $
4
 
   $
81
 
   $
40
 
   $
—
 
   $
483
 
Acquired loans collectively evaluated for impairment
    
60,523
 
    
10,901
 
    
41,993
 
    
7,930
 
    
1,982
 
    
123,329
 
Originated loans collectively evaluated for impairment
    
232,289
 
    
86,636
 
    
187,877
 
    
58,633
 
    
12,657
 
    
578,092
 
Total
   $
293,170
 
   $
97,541
 
   $
229,951
 
   $
66,603
 
   $
14,639
 
   $
701,904
 
                                                 
Three months ended March 31, 2019:
                                                
Allowance for loan losses:
                                                
Beginning Balance
   $
2,198
 
   $
648
 
   $
3,106
 
   $
500
 
   $
56
 
   $
6,508
 
Charge-offs
    
(10
)
    
(4
)
    
(5
)
    
(71
)
    
(39
)
    
(129
)
Recoveries
    
40
 
    
1
 
    
15
 
    
—
 
    
24
 
    
80
 
Provision
    
28
 
    
5
 
    
(73
)
    
206
 
    
14
 
    
180
 
Ending Balance
   $
2,256
 
   $
650
 
   $
3,043
 
   $
635
 
   $
55
 
   $
6,639
 
Impaired Financing Receivables [Table Text Block]
(Dollar amounts in thousands)
                                                
   
Impaired Loans with Specific Allowance
   
As of March 31, 2020
  
For the Three Months Ended March 31, 2020
   
Unpaid Principal Balance
  
Recorded Investment
  
Related Allowance
  
Average Recorded Investment
  
Interest Income Recognized in Period
  
Cash Basis Interest Recognized in Period
Residential first mortgages
   $
71
 
   $
71
 
   $
2
 
   $
71
 
   $
1
 
   $
1
 
Home equity and lines of credit
    
4
 
    
4
 
    
—
 
    
4
 
    
—
 
    
—
 
Commercial real estate
    
150
 
    
150
 
    
19
 
    
75
 
    
—
 
    
—
 
Commercial business
    
45
 
    
45
 
    
5
 
    
23
 
    
1
 
    
1
 
Consumer
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Total
   $
270
 
   $
270
 
   $
26
 
   $
173
 
   $
2
 
   $
2
 
   
Impaired Loans with No Specific Allowance
   
As of March 31, 2020
  
For the Three Months Ended March 31, 2020
   
Unpaid Principal Balance
  
Recorded Investment
  
Average Recorded Investment
  
Interest Income Recognized in Period
  
Cash Basis Interest Recognized in Period
Residential first mortgages
   $
390
 
   $
278
 
   $
282
 
   $
1
 
   $
1
 
Home equity and lines of credit
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Commercial real estate
    
1,067
 
    
1,067
 
    
574
 
    
13
 
    
13
 
Commercial business
    
43
 
    
43
 
    
41
 
    
1
 
    
—
 
Consumer
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Total
   $
1,500
 
   $
1,388
 
   $
897
 
   $
15
 
   $
14
 
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Impaired Loans with Specific Allowance
   
As of December 31, 2019
  
For the year ended December 31, 2019
   
Unpaid Principal Balance
  
Recorded Investment
  
Related Allowance
  
Average Recorded Investment
  
Interest Income Recognized in Period
  
Cash Basis Interest Recognized in Period
Residential first mortgages
   $
72
 
   $
72
 
   $
5
 
   $
72
 
   $
3
 
   $
3
 
Home equity and lines of credit    
4
 
    
4
 
    
—
 
    
5
 
    
—
 
    
—
 
Commercial real estate    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Commercial business    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Consumer    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Total   $
76
 
   $
76
 
   $
5
 
   $
77
 
   $
3
 
   $
3
 
   
Impaired Loans with No Specific Allowance
   
As of December 31, 2019
  
For the year ended December 31, 2019
   
Unpaid Principal Balance
  
Recorded Investment
  
Average Recorded Investment
  
Interest Income Recognized in Period
  
Cash Basis Interest Recognized in Period
Residential first mortgages
   $
398
 
   $
286
 
   $
301
 
   $
4
 
   $
4
 
Home equity and lines of credit
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Commercial real estate
    
81
 
    
81
 
    
1,019
 
    
88
 
    
35
 
Commercial business
    
40
 
    
40
 
    
79
 
    
7
 
    
2
 
Consumer
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Total
   $
519
 
   $
407
 
   $
1,399
 
   $
99
 
   $
41
 
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Impaired Loans with Specific Allowance
   
As of March 31, 2019
  
For the three months ended March 31, 2019
   
Unpaid Principal Balance
  
Recorded Investment
  
Related Allowance
  
Average Recorded Investment
  
Interest Income Recognized in Period
  
Cash Basis Interest Recognized in Period
Residential first mortgages
   $
73
 
   $
73
 
   $
7
 
   $
73
 
   $
1
 
   $
1
 
Home equity and lines of credit
    
5
 
    
5
 
    
—
 
    
6
 
    
—
 
    
—
 
Commercial real estate
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Commercial business
    
63
 
    
63
 
    
63
 
    
31
 
    
—
 
    
—
 
Consumer
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Total
   $
141
 
   $
141
 
   $
70
 
   $
110
 
   $
1
 
   $
1
 
   
Impaired Loans with No Specific Allowance
   
As of March 31, 2019
  
For the three months ended March 31, 2019
   
Unpaid Principal Balance
  
Recorded Investment
  
Average Recorded Investment
  
Interest Income Recognized in Period
  
Cash Basis Interest Recognized in Period
Residential first mortgages
   $
382
 
   $
307
 
   $
311
 
   $
1
 
   $
1
 
Home equity and lines of credit
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Commercial real estate
    
32
 
    
32
 
    
33
 
    
1
 
    
1
 
Commercial business
    
40
 
    
40
 
    
39
 
    
1
 
    
1
 
Consumer
    
—
 
    
—
 
    
—
 
    
—
 
    
—
 
Total
   $
454
 
   $
379
 
   $
383
 
   $
3
 
   $
3
 
Financing Receivable Credit Quality Indicators [Table Text Block]
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Not Rated
  
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Total
March 31, 2020:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
293,491
 
   $
—
 
   $
—
 
   $
870
 
   $
—
 
   $
294,361
 
Home equity and lines of credit
    
94,928
 
    
—
 
    
—
 
    
531
 
    
—
 
    
95,459
 
Commercial real estate
    
—
 
    
251,246
 
    
5,159
 
    
7,543
 
    
—
 
    
263,948
 
Commercial business
    
—
 
    
67,130
 
    
203
 
    
1,744
 
    
—
 
    
69,077
 
Consumer
    
18,983
 
    
—
 
    
—
 
    
122
 
    
—
 
    
19,105
 
Total loans
   $
407,402
 
   $
318,376
 
   $
5,362
 
   $
10,810
 
   $
—
 
   $
741,950
 
                                                 
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
291,843
 
   $
—
 
   $
—
 
   $
1,327
 
   $
—
 
   $
293,170
 
Home equity and lines of credit
    
97,087
 
    
—
 
    
—
 
    
454
 
    
—
 
    
97,541
 
Commercial real estate
    
—
 
    
216,744
 
    
5,370
 
    
7,837
 
    
—
 
    
229,951
 
Commercial business
    
—
 
    
64,636
 
    
204
 
    
1,763
 
    
—
 
    
66,603
 
Consumer
    
14,557
 
    
—
 
    
—
 
    
82
 
    
—
 
    
14,639
 
Total loans
   $
403,487
 
   $
281,380
 
   $
5,574
 
   $
11,463
 
   $
—
 
   $
701,904
 
Financing Receivable, Past Due [Table Text Block]
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
      
 
   
Performing
  
Nonperforming
    
 
 
   
Accruing Loans Not Past Due
  
Accruing 30-59 Days Past Due
  
Accruing 60-89 Days Past Due
  
Accruing 90+ Days Past Due
  
Nonaccrual
  
Total
March 31, 2020:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
290,062
 
   $
2,050
 
   $
1,379
 
   $
62
 
   $
808
 
   $
294,361
 
Home equity and lines of credit
    
93,725
 
    
731
 
    
472
 
    
180
 
    
351
 
    
95,459
 
Commercial real estate
    
260,032
 
    
1,620
 
    
1,019
 
    
235
 
    
1,042
 
    
263,948
 
Commercial business
    
68,571
 
    
172
 
    
68
 
    
3
 
    
263
 
    
69,077
 
Consumer
    
18,865
 
    
66
 
    
52
 
    
—
 
    
122
 
    
19,105
 
Total loans
   $
731,255
 
   $
4,639
 
   $
2,990
 
   $
480
 
   $
2,586
 
   $
741,950
 
                                                 
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
288,399
 
   $
2,405
 
   $
1,039
 
   $
372
 
   $
955
 
   $
293,170
 
Home equity and lines of credit
    
95,908
 
    
626
 
    
553
 
    
26
 
    
428
 
    
97,541
 
Commercial real estate
    
226,133
 
    
2,141
 
    
543
 
    
227
 
    
907
 
    
229,951
 
Commercial business
    
66,087
 
    
225
 
    
72
 
    
4
 
    
215
 
    
66,603
 
Consumer
    
14,458
 
    
84
 
    
15
 
    
—
 
    
82
 
    
14,639
 
Total loans
   $
690,985
 
   $
5,481
 
   $
2,222
 
   $
629
 
   $
2,587
 
   $
701,904
 
Financing Receivable, Nonaccrual [Table Text Block]
(Dollar amounts in thousands)
      
 
      
 
      
 
      
 
      
 
   
Not Past Due
  
30-59 Days Past Due
  
60-89 Days Past Due
  
90 Days + Past Due
  
Total
March 31, 2020:
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
239
 
   $
—
 
   $
71
 
   $
498
 
   $
808
 
Home equity and lines of credit
    
3
 
    
—
 
    
—
 
    
348
 
    
351
 
Commercial real estate
    
134
 
    
250
 
    
159
 
    
499
 
    
1,042
 
Commercial business
    
—
 
    
41
 
    
—
 
    
222
 
    
263
 
Consumer
    
—
 
    
—
 
    
—
 
    
122
 
    
122
 
Total loans
   $
376
 
   $
291
 
   $
230
 
   $
1,689
 
   $
2,586
 
                                         
December 31, 2019:
      
 
      
 
      
 
      
 
      
 
Residential first mortgages
   $
245
 
   $
—
 
   $
72
 
   $
638
 
   $
955
 
Home equity and lines of credit
    
4
 
    
—
 
    
—
 
    
424
 
    
428
 
Commercial real estate
    
28
 
    
309
 
    
31
 
    
539
 
    
907
 
Commercial business
    
—
 
    
—
 
    
175
 
    
40
 
    
215
 
Consumer
    
—
 
    
—
 
    
—
 
    
82
 
    
82
 
Total loans
   $
277
 
   $
309
 
   $
278
 
   $
1,723
 
   $
2,587