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

9 Months Ended

Sep. 30, 2020

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, 2020:
Balance, June 30, 2020	$	938		5,382			1,464			865			8,649
Provision for losses		27		878			(64	)		(71	)		770
Charge-offs		0		0			(29	)		(8	)		(37	)
Recoveries		0		0			5			145			150
Balance, September 30, 2020	$	965		6,260			1,376			931			9,532
For the nin e months ended September 30, 2020 :
Balance, December 31, 2019	$	857		5,060			1,507			1,140			8,564
Provision for losses		108		1,913			(79	)		(394	)		1,548
Charge-offs		0		(730	)		(74	)		(8	)		(812	)
Recoveries		0		17			22			193			232
Balance, September 30, 2020	$	965		6,260			1,376			931			9,532
Allocated to:
Specific reserves	$	62		451			119			93			725
General reserves		795		4,609			1,388			1,047			7,839
Balance, December 31, 2019	$	857		5,060			1,507			1,140			8,564
Allocated to:
Specific reserves	$	31		5			63			17			116
General reserves		934		6,255			1,313			914			9,416
Balance, September 30, 2020	$	965		6,260			1,376			931			9,532
Loans receivable at December 31, 201 9 :
Individually reviewed for impairment	$	974		1,166			976			735			3,851
Collectively reviewed for impairment		119,090		349,029			68,973			63,492			600,584
Ending balance	$	120,064		350,195			69,949			64,227			604,435
Loans receivable at September 30, 2020:
Individually reviewed for impairment	$	708		1,537			707			45			2,997
Collectively reviewed for impairment		130,135		382,370			58,564			106,751			677,820
Ending balance	$	130,843		383,907			59,271			106,796			680,817

(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, 2019:
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

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2020
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	274		2,313		31		0		2,618		128,225		130,843
Commercial real estate:
Real estate rental and leasing		5,194		3,451		0		0		8,645		205,051		213,696
Other		5,537		5,574		0		0		11,111		159,100		170,211
Consumer		0		624		63		20		707		58,564		59,271
Commercial business		3,575		1,884		0		0		5,459		101,337		106,796
	$	14,580		13,846		94		20		28,540		652,277		680,817

	December 31, 2019
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	1,118		1,765		35		0		2,918		117,146		120,064
Commercial real estate:
Real estate rental and leasing		3,489		9,114		0		0		12,603		179,899		192,502
Other		4,451		5,253		0		0		9,704		147,989		157,693
Consumer		0		842		69		65		976		68,973		69,949
Commercial business		5,710		2,516		0		0		8,226		56,001		64,227
	$	14,768		19,490		104		65		34,427		570,008		604,435

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, 2020
Single family	$	550		223		144		917		129,926		130,843		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		213,696		213,696		0
Other		0		0		185		185		170,026		170,211		0
Consumer		360		49		300		709		58,562		59,271		0
Commercial business		0		0		0		0		106,796		106,796		0
	$	910		272		629		1,811		679,006		680,817		0
December 31, 201 9
Single family	$	786		77		59		922		119,142		120,064		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		192,502		192,502		0
Other		0		0		0		0		157,693		157,693		0
Consumer		527		31		206		764		69,185		69,949		0
Commercial business		147		13		550		710		63,517		64,227		0
	$	1,460		121		815		2,396		602,039		604,435		0

Impaired Financing Receivables [Table Text Block]

	September 30, 2020						December 31, 2019
(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	$	588		607		0		544		563		0
Commercial real estate:
Real estate rental and leasing		968		1,618		0		0		0		0
Other		399		479		0		0		0		0
Consumer		596		596		0		781		781		0
Loans with an allowance recorded:
Single family		120		120		31		430		430		62
Commercial real estate:
Real estate rental and leasing		170		170		5		184		184		16
Other		0		0		0		982		982		435
Consumer		111		111		63		195		195		119
Commercial business		45		597		17		735		1,287		93
Total:
Single family		708		727		31		974		993		62
Commercial real estate:
Real estate rental and leasing		1,138		1,788		5		184		184		16
Other		399		479		0		982		982		435
Consumer		707		707		63		976		976		119
Commercial business		45		597		17		735		1,287		93
	$	2,997		4,298		116		3,851		4,422		725

	For the three months ended September 30, 2020				For the nine months ended September 30, 2020
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	606		6		585		23
Commercial real estate:
Real estate rental and leasing		985		0		493		33
Other		401		0		340		2
Consumer		586		3		640		9
Commercial business		4		0		2		0
Loans with an allowance recorded:
Single family		121		0		273		0
Commercial real estate:
Real estate rental and leasing		173		0		177		0
Other		0		0		487		0
Consumer		142		0		169		2
Commercial business		50		1		242		2
Total:
Single family		727		6		858		23
Commercial real estate:
Real estate rental and leasing		1,158		0		670		33
Other		401		0		827		2
Consumer		728		3		809		11
Commercial business		54		1		244		2
	$	3,068		10		3,408		71

	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

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	September 30, 2020		December 31, 2019
Single family	$	352		617
Commercial real estate:
Real estate rental and leasing		1,138		184
Other		399		0
Consumer		641		659
Commercial business		11		621
	$	2,541		2,081

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	September 30, 2020						December 31, 2019
(Dollars in thousands)	Accrual		Non-Accrual		Total		Accrual		Non-Accrual		Total
Single family	$	356		261		617		357		266		623
Commercial real estate		0		214		214		983		0		983
Consumer		66		589		655		316		429		745
Commercial business		35		0		35		114		0		114
	$	457		1,064		1,521		1,770		695		2,465

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, 2020						Nine Months Ended September 30, 2020
(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	$	94		101
Commercial real estate:
Other		0		0		0		2		293		293
Total		0	$	0		0		3	$	387		394

	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

Schedule of Deferred Loans [Table Text Block]

(Dollars in thousands)	Balance September 30, 2020		Balance June 30, 2020
Commercial real estate loans by industry:
Hotels (1)	$	54,660		54,660
Retail/Office		7,127		20,322
Theaters		11,269		11,269
Multi-family		0		11,195
Single family		0		4,675
Restaurant/Bar		2,876		4,477
Other		5,747		9,449
Total commercial loans		81,679		116,047
Consumer loans by collateral type:
Single family		366		2,955
Other		0		77
Total consumer loans		366		3,032
Total deferred loans	$	82,045		119,079