Note 9 - Allowance for Loan Losses and Credit Quality Information (Tables)

9 Months Ended

Sep. 30, 2019

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(Dollars in thousands)	Single Family			Commercial Real Estate			Consumer			Commercial Business			Total
For the three months ended September 30, 2019:
Balance, June 30, 2019	$	867			4,762			1,632			1,363			8,624
Provision for losses		24			(42	)		(37	)		(365	)		(420	)
Charge-offs		(2	)		0			(46	)		0			(48	)
Recoveries		0			0			2			37			39
Balance, September 30, 2019	$	889			4,720			1,551			1,035			8,195
For the nine months ended September 30, 201 9 :
Balance, December 31, 2018	$	833			4,869			1,622			1,362			8,686
Provision for losses		58			(1,834	)		13			311			(1,452	)
Charge-offs		(2	)		0			(92	)		(869	)		(963	)
Recoveries		0			1,685			8			231			1,924
Balance, September 30, 2019	$	889			4,720			1,551			1,035			8,195
Allocated to:
Specific reserves	$	98			451			172			73			794
General reserves		735			4,418			1,450			1,289			7,892
Balance, December 31, 2018	$	833			4,869			1,622			1,362			8,686
Allocated to:
Specific reserves	$	52			459			101			55			667
General reserves		837			4,261			1,450			980			7,528
Balance, September 30, 2019	$	889			4,720			1,551			1,035			8,195
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
Loans receivable at September 30, 201 9 :
Individually reviewed for impairment	$	908			1,291			838			235			3,272
Collectively reviewed for impairment		112,154			336,954			72,287			66,095			587,490
Ending balance	$	113,062			338,245			73,125			66,330			590,762

(Dollars in thousands)	Single Family			Commercial Real Estate			Consumer			Commercial Business			Total
For the three months ended September 30, 2018:
Balance, June 30, 2018	$	881			5,242			1,623			1,582			9,328
Provision for losses		(10	)		(287	)		61			(416	)		(652	)
Charge-offs		0			0			(16	)		(15	)		(31	)
Recoveries		0			0			5			182			187
Balance, September 30, 2018	$	871			4,955			1,673			1,333			8,832
For the nine months ended September 30, 201 8 :
Balance, December 31, 2017	$	900			5,073			1,630			1,708			9,311
Provision for losses		(6	)		(316	)		169			(329	)		(482	)
Charge-offs		(24	)		0			(141	)		(270	)		(435	)
Recoveries		1			198			15			224			438
Balance, September 30, 2018	$	871			4,955			1,673			1,333			8,832

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2019
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	1,134		1,703		36		0		2,873		110,189		113,062
Commercial real estate:
Real estate rental and leasing		4,905		3,727		0		0		8,632		173,272		181,904
Other		4,132		4,683		0		0		8,815		147,526		156,341
Consumer		0		739		30		69		838		72,287		73,125
Commercial business		5,748		1,857		0		0		7,605		58,725		66,330
	$	15,919		12,709		66		69		28,763		561,999		590,762

	December 31, 2018
	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

Financing Receivable, Past Due [Table Text Block]

(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
September 30, 2019
Single family	$	386		78		61		525		112,537		113,062		0
Commercial real estate:
Real estate rental and leasing		738		0		0		738		181,166		181,904		0
Other		531		0		105		636		155,705		156,341		0
Consumer		287		40		323		650		72,475		73,125		0
Commercial business		589		0		0		589		65,741		66,330		0
	$	2,531		118		489		3,138		587,624		590,762		0
December 31, 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		0
	$	1,092		425		356		1,873		592,983		594,856		0

Impaired Financing Receivables [Table Text Block]

	September 30, 2019						December 31, 2018
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Recorded Investment		Unpaid Principal Balance		Related Allowance
Loans with no related allowance recorded:
Single family	$	488		507		0		458		477		0
Commercial real estate:
Other		0		0		0		25		1,682		0
Consumer		677		677		0		515		515		0
Loans with an allowance recorded:
Single family		420		420		52		768		768		98
Commercial real estate:
Real estate rental and leasing		188		188		16		201		201		21
Other		1,103		1,103		443		1,085		1,085		430
Consumer		161		161		101		341		341		172
Commercial business		235		787		55		303		854		73
Total:
Single family		908		927		52		1,226		1,245		98
Commercial real estate:
Real estate rental and leasing		188		188		16		201		201		21
Other		1,103		1,103		443		1,110		2,767		430
Consumer		838		838		101		856		856		172
Commercial business		235		787		55		303		854		73
	$	3,272		3,843		667		3,696		5,923		794

	For the three months ended September 30, 2019				For the nine months ended September 30, 2019
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	551		6		499		17
Commercial real estate:
Other		0		0		13		0
Consumer		612		3		530		17
Loans with an allowance recorded:
Single family		579		1		684		2
Commercial real estate:
Real estate rental and leasing		191		0		195		0
Other		1,061		20		1,065		22
Consumer		192		3		241		8
Commercial business		248		3		286		8
Total:
Single family		1,130		7		1,183		19
Commercial real estate:
Real estate rental and leasing		191		0		195		0
Other		1,061		20		1,078		22
Consumer		804		6		771		25
Commercial business		248		3		286		8
	$	3,434		36		3,513		74

	For the three months ended September 30, 2018				For the nine months ended September 30, 2018
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	511		6		467		18
Commercial real estate:
Real estate rental and leasing		34		15		34		30
Other		95		29		95		77
Consumer		608		4		508		14
Loans with an allowance recorded:
Single family		840		0		882		0
Commercial real estate:
Real estate rental and leasing		105		1		53		7
Other		2,327		0		1,821		57
Consumer		358		4		409		9
Commercial business		318		3		406		12
Total:
Single family		1,351		6		1,349		18
Commercial real estate:
Real estate rental and leasing		139		16		87		37
Other		2,422		29		1,916		134
Consumer		966		8		917		23
Commercial business		318		3		406		12
	$	5,196		62		4,675		224

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	September 30, 2019		December 31, 2018
Single family	$	574		730
Commercial real estate:
Real estate rental and leasing		188		201
Other		105		1,110
Consumer		513		489
Commercial business		99		148
	$	1,479		2,678

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	September 30, 2019						December 31, 2018
(Dollars in thousands)	Accrual		Non-Accrual		Total		Accrual		Non-Accrual		Total
Single family	$	333		253		586		496		140		636
Commercial real estate		998		0		998		0		1,110		1,110
Consumer		325		184		509		367		155		522
Commercial business		137		0		137		155		53		208
	$	1,793		437		2,230		1,018		1,458		2,476

Financial Effects of Troubled Debt Restructurings and Difference Between Outstanding Recorded Balance Pre Modification and Post Modification [Table Text Block]

	Three Months Ended September 30, 2019						Nine Months Ended September 30, 2019
(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		0	$	0		0		3	$	176		181
Consumer		1		58		58		4		118		118
Total		1	$	58		58		7	$	294		299

	Three Months Ended September 30, 2018						Nine Months Ended September 30, 2018
(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		0	$	0		0		1	$	55		58
Commercial real estate:
Real estate rental and leasing		0		0		0		1		54		54
Other		0		0		0		2		1,518		1,518
Consumer		2		2		2		10		335		336
Commercial business		0		0		0		1		70		70
Total		2	$	2		2		15	$	2,032		2,036

Certain Loans Acquired in Transfer Not Accounted for as Debt Securities Acquired During Period [Table Text Block]

(Dollars in thousands)	Contractual Principal Receivable			Accretable Difference			Carrying Amount
Purchased performing loans:
Balance at June 30, 2019	$	5,842			(157	)		5,685
Change due to payments/refinances		(486	)		8			(478	)
Balance at September 30, 2019	$	5,356			(149	)		5,207

(Dollars in thousands)	Contractual Principal Receivable		Non-Accretable Difference			Carrying Amount
Purchased credit impaired loans:
Balance at June 30, 2019	$	185		(4	)		181
Change due to payments/refinances		0		1			1
Balance at September 30, 2019	$	185		(3	)		182