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

9 Months Ended

Sep. 30, 2021

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, 2021:
Balance, June 30, 2021	$	929			7,033			1,039			914			9,915
Provision for losses		13			(713	)		(72	)		(114	)		(886	)
Recoveries		0			0			30			11			41
Balance, September 30, 2021	$	942			6,320			997			811			9,070
For the nine months ended September 30, 2021:
Balance, December 31, 2020	$	1,030			7,295			1,389			985			10,699
Provision for losses		(88	)		(1,625	)		(408	)		(232	)		(2,353	)
Charge-offs		0			0			(42	)		0			(42	)
Recoveries		0			650			58			58			766
Balance, September 30, 2021	$	942			6,320			997			811			9,070
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
Allocated to:
Specific reserves	$	38			152			88			8			286
General reserves		904			6,168			909			803			8,784
Balance, September 30, 2021	$	942			6,320			997			811			9,070
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
Loans receivable at September 30, 2021:
Individually reviewed for impairment	$	445			684			724			18			1,871
Collectively reviewed for impairment		157,057			375,016			42,029			55,725			629,827
Ending balance	$	157,502			375,700			42,753			55,743			631,698

(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 nine 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

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2021
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	716		892		57		0		1,665		155,837		157,502
Commercial real estate:
Real estate rental and leasing		8,420		1,768		0		0		10,188		185,979		196,167
Other		10,716		6,486		0		0		17,202		162,331		179,533
Consumer		0		616		55		53		724		42,029		42,753
Commercial business		1,850		1,810		0		0		3,660		52,083		55,743
	$	21,702		11,572		112		53		33,439		598,259		631,698

	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

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, 2021
Single family	$	1,072		47		161		1,280		156,222		157,502		0
Commercial real estate:
Real estate rental and leasing		0		0		325		325		195,842		196,167		0
Other		0		0		0		0		179,533		179,533		0
Consumer		219		39		238		496		42,257		42,753		0
Commercial business		0		0		0		0		55,743		55,743		0
	$	1,291		86		724		2,101		629,597		631,698		0
December 31, 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

Impaired Financing Receivables [Table Text Block]

	September 30, 2021						December 31, 2020
(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	$	356		375		0		740		759		0
Commercial real estate:
Real estate rental and leasing		0		0		0		932		1,582		0
Other		192		192		0		211		211		0
Consumer		592		592		0		574		574		0
Loans with an allowance recorded:
Single family		89		89		38		117		117		29
Commercial real estate:
Real estate rental and leasing		325		325		17		166		166		5
Other		167		167		135		175		175		90
Consumer		132		132		88		176		176		100
Commercial business		18		18		8		35		586		14
Total:
Single family		445		464		38		857		876		29
Commercial real estate:
Real estate rental and leasing		325		325		17		1,098		1,748		5
Other		359		359		135		386		386		90
Consumer		724		724		88		750		750		100
Commercial business		18		18		8		35		586		14
	$	1,871		1,890		286		3,126		4,346		238

	For the Three Months Ended September 30, 2021				For the Nine Months Ended September 30, 2021
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	390		0		564		4
Commercial real estate:
Real estate rental and leasing		78		0		540		0
Other		193		0		199		0
Consumer		610		0		577		6
Loans with an allowance recorded:
Single family		122		0		119		0
Commercial real estate:
Real estate rental and leasing		163		0		123		7
Other		168		0		163		0
Consumer		114		3		138		1
Commercial business		22		0		29		1
Total:
Single family		512		0		683		4
Commercial real estate:
Real estate rental and leasing		241		0		663		7
Other		361		0		362		0
Consumer		724		3		715		7
Commercial business		22		0		29		1
	$	1,860		3		2,452		19

	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

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	September 30, 2021		December 31, 2020
Single family	$	423		502
Commercial real estate:
Real estate rental and leasing		325		1,098
Other		360		386
Consumer		673		689
Commercial business		7		9
	$	1,788		2,684

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	September 30, 2021						December 31, 2020
(Dollars in thousands)	Accruing		Non-Accruing		Total		Accruing		Non-Accruing		Total
Single family	$	22		236		258		355		257		612
Commercial real estate		0		359		359		0		211		211
Consumer		51		588		639		62		568		630
Commercial business		10		0		10		25		0		25
	$	83		1,183		1,266		442		1,036		1,478

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, 2021						Nine Months Ended September 30, 2021
(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	$	38		40		1	$	38		40
Commercial real estate:
Other		0		0		0		1		139		139
Consumer		0		0		0		1		93		94
Commercial business		0		0		0		1		14		14
Total		1	$	38		40		4	$	284		287

	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