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

12 Months Ended

Dec. 31, 2020

Notes Tables

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

(Dollars in thousands)	Single Family			Commercial Real Estate			Consumer			Commercial Business			Total
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, 2018	$	833			4,869			1,622			1,362			8,686
Provision for losses	$	25			(1,509	)		(29	)		297			(1,216	)
Charge-offs		(1	)		0			(107	)		(880	)		(988	)
Recoveries		0			1,700			21			361			2,082
Balance, December 31, 2019	$	857			5,060			1,507			1,140			8,564
Provision for losses	$	173			2,938			(63	)		(349	)		2,699
Charge-offs		0			(730	)		(84	)		(8	)		(822	)
Recoveries		0			27			29			202			258
Balance, December 31, 2020	$	1,030			7,295			1,389			985			10,699
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	$	29			95			100			14			238
General reserves		1,001			7,200			1,289			971			10,461
Balance, December 31, 2020	$	1,030			7,295			1,389			985			10,699
Loans receivable at December 31, 2019:
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 December 31, 2020:
Individually reviewed for impairment	$	857			1,484			750			35			3,126
Collectively reviewed for impairment		134,166			379,220			54,641			82,638			650,665
Ending balance	$	135,023			380,704			55,391			82,673			653,791

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2020
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	1,219		2,845		29		0		4,093		130,930		135,023
Commercial real estate:
Real estate rental and leasing		8,065		3,483		0		0		11,548		190,852		202,400
Other		8,774		9,750		0		0		18,524		159,780		178,304
Consumer		0		600		132		18		750		54,641		55,391
Commercial business		1,968		2,482		0		0		4,450		78,223		82,673
	$	20,026		19,160		161		18		39,365		614,426		653,791

	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
2020
Single family	$	626		38		298		962		134,061		135,023		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		202,400		202,400		0
Other		0		0		0		0		178,304		178,304		0
Consumer		458		66		279		803		54,588		55,391		0
Commercial business		0		0		0		0		82,673		82,673		0
	$	1,084		104		577		1,765		652,026		653,791		0
2019
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
	$	1,460		121		815		2,396		602,039		604,435		0

Impaired Financing Receivables [Table Text Block]

	December 31, 2020
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interes t Income Recognized
Loans with no related allowance recorded:
Single family	$	740		759		0		616		34
Commercial real estate:
Real estate rental and leasing		932		1,582		0		580		33
Other		211		211		0		314		2
Consumer		574		574		0		626		10
Commercial business		0		0		0		2		0
Loans with an allowance recorded:
Single family		117		117		29		242		0
Commercial real estate:
Real estate rental and leasing		166		166		5		175		0
Other		175		175		90		425		10
Consumer		176		176		100		170		6
Commercial business		35		586		14		200		2
Total:
Single family		857		876		29		858		34
Commercial real estate:
Real estate rental and leasing		1,098		1,748		5		755		33
Other		386		386		90		739		12
Consumer		750		750		100		796		16
Commercial business		35		586		14		202		2
	$	3,126		4,346		238		3,350		97

	December 31, 2019
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	544		563		0		508		33
Commercial real estate:
Other		0		0		0		10		0
Consumer		781		781		0		580		26
Loans with an allowance recorded:
Single family		430		430		62		633		3
Commercial real estate:
Real estate rental and leasing		184		184		16		193		0
Other		982		982		435		1,048		71
Consumer		195		195		119		231		14
Commercial business		735		1,287		93		476		24
Total:
Single family		974		993		62		1,141		36
Commercial real estate:
Real estate rental and leasing		184		184		16		193		0
Other		982		982		435		1,058		71
Consumer		976		976		119		811		40
Commercial business		735		1,287		93		476		24
	$	3,851		4,422		725		3,679		171

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	2020		2019
Single family	$	502		617
Commercial real estate:
Real estate rental and leasing		1,098		184
Other		386		0
Consumer		689		659
Commercial business		9		621
	$	2,684		2,081

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

(Dollars in thousands)	2020		2019
Single family	$	612		623
Commercial real estate:
Other		211		983
Consumer		630		745
Commercial business		25		114
	$	1,478		2,465

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

	Year ended December 31, 2020						Year ended December 31, 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		1	$	94		101		4	$	215		220
Commercial real estate:
Other		2		293		293		0		0		0
Consumer		0		0		0		10		371		371
Total		3	$	387		394		14	$	586		591