Note 6 - Allowance for Loan Losses and Credit Quality Information (Tables)

12 Months Ended

Dec. 31, 2018

(Dollars in thousands)	Single Family			Commercial Real Estate			Consumer			Commercial Business			Total
Balance, December 31, 2015	$	990			6,078			1,200			1,441			9,709

Provision for losses	$	262			(1,788	)		481			400			(645	)
Charge-offs		(66	)		(67	)		(108	)		(180	)		(421	)
Recoveries		0			730			40			490			1,260
Balance, December 31, 2016	$	1,186			4,953			1,613			2,151			9,903

Provision for losses	$	(280	)		(75	)		263			(431	)		(523	)
Charge-offs		(6	)		(50	)		(288	)		(311	)		(655	)
Recoveries		0			245			42			299			586
Balance, December 31, 2017	$	900			5,073			1,630			1,708			9,311

Provision for losses	$	(44	)		(421	)		202			(386	)		(649	)
Charge-offs		(24	)		0			(226	)		(270	)		(520	)
Recoveries		1			217			16			310			544
Balance, December 31, 201 8	$	833			4,869			1,622			1,362			8,686

Allocated to:
Specific reserves	$	192			441			263			177			1,073
General reserves		708			4,632			1,367			1,531			8,238
Balance, December 31, 2017	$	900			5,073			1,630			1,708			9,311

Allocated to:
Specific reserves	$	98			451			172			73			794
General reserves		735			4,418			1,450			1,289			7,892
Balance, December 31, 201 8	$	833			4,869			1,622			1,362			8,686

Loans receivable at December 31, 2017:
Individually reviewed for impairment	$	1,523			1,364			880			507			4,274
Collectively reviewed for impairment		105,482			332,753			72,887			79,402			590,524
Ending balance	$	107,005			334,117			73,767			79,909			594,798

Loans receivable at December 31, 201 8 :
Individually reviewed for impairment	$	1,226			1,311			856			303			3,696
Collectively reviewed for impairment		109,472			334,819			71,676			75,193			591,160
Ending balance	$	110,698			336,130			72,532			75,496			594,856

	December 31, 201 8
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	150		1,771		40		0		1,961		108,737		110,698
Commercial real estate:
Real estate rental and leasing		5,564		4,805		0		0		10,369		185,195		195,564
Other		4,879		5,118		0		0		9,997		130,569		140,566
Consumer		0		709		41		106		856		71,676		72,532
Commercial business		6,647		2,761		0		0		9,408		66,088		75,496
	$	17,240		15,164		81		106		32,591		562,265		594,856

	December 31, 2017
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	77		2,154		44		0		2,275		104,730		107,005
Commercial real estate:
Real estate rental and leasing		5,022		3,813		0		0		8,835		166,342		175,177
Other		9,135		4,257		0		0		13,392		145,548		158,940
Consumer		0		631		119		130		880		72,887		73,767
Commercial business		5,781		5,506		0		0		11,287		68,622		79,909
	$	20,015		16,361		163		130		36,669		558,129		594,798

(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or More Past Due		Total Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing
201 8
Single family	$	680		325		77		1,082		109,616		110,698		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		195,564		195,564		0
Other		0		0		0		0		140,566		140,566		0
Consumer		391		100		279		770		71,762		72,532		0
Commercial business		21		0		0		21		75,475		75,496
	$	1,092		425		356		1,873		592,983		594,856		0

2017
Single family	$	727	294	669	1,690	105,315	107,005	0
Commercial real estate:
Real estate rental and leasing		0	0	0	0	175,177	175,177	0
Other		0	0	0	0	158,940	158,940	0
Consumer		734	117	235	1,086	72,681	73,767	0
Commercial business		34	0	180	214	79,695	79,909
	$	1,495	411	1,084	2,990	591,808	594,798	0

	December 31, 201 8
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	458		477		0		465		21
Commercial real estate:
Real estate rental and leasing		0		0		0		27		0
Other		25		1,682		0		81		106
Consumer		515		515		0		510		14

Loans with an allowance recorded:
Single family		768		768		98		859		5
Commercial real estate:
Real estate rental and leasing		201		201		21		82		7
Other		1,085		1,085		430		1,673		0
Consumer		341		341		172		395		9
Commercial business		303		854		73		385		13

Total:
Single family		1,226		1,245		98		1,324		26
Commercial real estate:
Real estate rental and leasing		201		201		21		109		7
Other		1,110		2,767		430		1,754		106
Consumer		856		856		172		905		23
Commercial business		303		854		73		385		13
	$	3,696		5,923		794		4,477		175

	December 31, 2017
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	415		415		0		414		24
Commercial real estate:
Real estate rental and leasing		35		51		0		38		0
Other		25		1,682		0		26		96
Consumer		414		414		0		406		7
Commercial business		0		0		0		100		0

Loans with an allowance recorded:
Single family		1,108		1,108		192		878		31
Commercial real estate:
Real estate rental and leasing		0		0		0		155		0
Other		1,304		1,304		441		1,715		0
Consumer		466		483		263		457		14
Commercial business		507		1,358		177		443		22

Total:
Single family		1,523		1,523		192		1,292		55
Commercial real estate:
Real estate rental and leasing		35		51		0		193		0
Other		1,329		2,986		441		1,741		96
Consumer		880		897		263		863		21
Commercial business		507		1,358		177		543		22
	$	4,274		6,815		1,073		4,632		194

(Dollars in thousands)	2018		2017
Single family	$	730		949
Commercial real estate:
Real estate rental and leasing		201		35
Other		1,110		1,329
Consumer		489		553
Commercial business		148		278
	$	2,678		3,144

	Year ended December 31, 201 8						Year ended December 31, 2017
(Dollars in thousands)	Number of Contracts		Pre- modification Outstanding Recorded Investment		Post- modification Outstanding Recorded Investment		Number of Contracts		Pre- modification Outstanding Recorded Investment		Post -modification Outstanding Recorded Investment
Troubled debt restructurings:
Single family		2	$	217		220		3	$	282		514
Commercial real estate:
Real estate rental and leasing		1		54		54		0		0		0
Other		2		1,518		1,518		0		0		0
Consumer		10		373		373		15		588		591
Commercial business		1		70		70		1		416		116
Total		16	$	2,232		2,235		19	$	1,286		1,221

	Year ended December 31, 201 8				Year ended December 31, 2017
(Dollars in thousands)	Number of Contracts		Outstanding Recorded Investment		Number of Contracts		Outstanding Recorded Investment
TDRs that subsequently defaulted:
Consumer		1	$	17		1	$	65
Total		1	$	17		1	$	65

(Dollars in thousands)	Contractual Principal Receivable			Accretable Difference			Net Carrying Amount
Purchased Performing Loans:
Balance at December 31, 2015	$	18,539			(459	)		18,080

Loans acquired during the period	$	11,772			(211	)		11,561
Change due to payments/refinances		(13,413	)		340			(13,073	)
Change due to loan charge-off		(156	)		(2	)		(158	)
Balance at December 31, 2016	$	16,742			(332	)		16,410

Change due to payments/refinances	$	(6,594	)		101			(6,493	)
Transferred to foreclosed assets		(2	)		0			(2	)
Change due to loan charge-off		(18	)		0			(18	)
Balance at December 31, 2017	$	10,128			(231	)		9,897

Change due to payments/refinances	$	(2,815	)		49			(2,766	)
Balance at December 31, 201 8	$	7,313			(182	)		7,131

(Dollars in thousands)	Contractual Principal Receivable			Non-Accretable Difference			Accretable Difference			Net Carrying Amount
Purchased Credit Impaired Loans:
Balance at December 31, 2015	$	555			(162	)		0			393

Loans acquired during the period	$	329			(37	)		0			292
Transfer to accretable difference		0			199			(199	)		0
Change due to payments/refinances		(449	)		0			147			(302	)
Balance at December 31, 2016	$	435			0			(52	)		383

Change due to payments/refinances	$	(33	)		0			13			(20	)
Balance at December 31, 2017	$	402			0			(39	)		363

Change due to payments/refinances	$	(214	)		0			33			(181	)
Balance at December 31, 201 8	$	188			0			(6	)		182