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

12 Months Ended

Dec. 31, 2021

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, 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
Provision for losses	$	(56	)		(1,524	)		(424	)		(115	)		(2,119	)
Charge-offs		0			(36	)		(42	)		0			(78	)
Recoveries		0			653			58			66			777
Balance, December 31, 2021	$	974			6,388			981			936			9,279
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	$	36			280			83			7			406
General reserves		938			6,108			898			929			8,873
Balance, December 31, 2021	$	974			6,388			981			936			9,279
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 December 31, 2021:
Individually reviewed for impairment	$	340			3,757			546			7			4,650
Collectively reviewed for impairment		162,982			393,111			41,099			60,158			657,350
Ending balance	$	163,322			396,868			41,645			60,165			662,000

Financing Receivable Credit Quality Indicators [Table Text Block]

	December 31, 2021
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	410		791		56		0		1,257		162,065		163,322
Commercial real estate:
Real estate rental and leasing		16,012		4,753		0		0		20,765		188,901		209,666
Other		6,824		9,571		0		0		16,395		170,807		187,202
Consumer		0		475		21		50		546		41,099		41,645
Commercial business		1,933		1,813		0		0		3,746		56,419		60,165
	$	25,179		17,403		77		50		42,709		619,291		662,000

	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
December 31, 2021
Single family	$	864		65		153		1,082		162,240		163,322		0
Commercial real estate:
Real estate rental and leasing		198		0		0		198		209,468		209,666		0
Other		226		3,402		0		3,628		183,574		187,202		0
Consumer		174		89		122		385		41,260		41,645		0
Commercial business		0		0		0		0		60,165		60,165		0
	$	1,462		3,556		275		5,293		656,707		662,000		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]

	December 31, 2021
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	253		272		0		502		2
Commercial real estate:
Real estate rental and leasing		0		0		0		432		0
Other		189		189		0		197		0
Consumer		419		419		0		545		9
Loans with an allowance recorded:
Single family		87		87		36		113		0
Commercial real estate:
Real estate rental and leasing		0		0		0		98		0
Other		3,568		3,568		280		844		142
Consumer		127		127		83		136		2
Commercial business		7		7		7		25		0
Total:
Single family		340		359		36		615		2
Commercial real estate:
Real estate rental and leasing		0		0		0		530		0
Other		3,757		3,757		280		1,041		142
Consumer		546		546		83		681		11
Commercial business		7		7		7		25		0
	$	4,650		4,669		406		2,892		155

	December 31, 2020
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest 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

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	2021		2020
Single family	$	340		502
Commercial real estate:
Real estate rental and leasing		0		1,098
Other		3,757		386
Consumer		517		689
Commercial business		7		9
	$	4,621		2,684

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

(Dollars in thousands)	2021		2020
Single family	$	254		612
Commercial real estate:
Other		355		211
Consumer		442		630
Commercial business		0		25
	$	1,051		1,478

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

	Year ended December 31, 2021						Year ended December 31, 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		1	$	38		40		1	$	94		101
Commercial real estate:
Other		1		139		139		2		293		293
Consumer		1		93		94		0		0		0
Commercial business		1		14		14		0		0		0
Total		4	$	284		287		3	$	387		394