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

3 Months Ended

Mar. 31, 2022

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, 2021	$	974			6,388			981			936		9,279
Provision for losses		28			107			10			151		296
Charge-offs		0			0			(1	)		0		(1	)
Recoveries		0			0			1			9		10
Balance, March 31, 2022	$	1,002			6,495			991			1,096		9,584
Balance, December 31, 2020	$	1,030			7,295			1,389			985		10,699
Provision for losses		(191	)		(222	)		(171	)		8		(576	)
Charge-offs		0			0			(31	)		0		(31	)
Recoveries		0			0			2			38		40
Balance, March 31, 2021	$	839			7,073			1,189			1,031		10,132
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
Allocated to:
Specific reserves	$	34			280			121			7		442
General reserves		968			6,215			870			1,089		9,142
Balance, March 31, 2022	$	1,002			6,495			991			1,096		9,584
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
Loans receivable at March 31, 2022:
Individually reviewed for impairment	$	478			3,551			523			7		4,559
Collectively reviewed for impairment		168,003			403,903			40,508			71,953		684,367
Ending balance	$	168,481			407,454			41,031			71,960		688,926

Financing Receivable Credit Quality Indicators [Table Text Block]

	March 31, 2022
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	134		935		54		0		1,123		167,358		168,481
Commercial real estate:
Real estate rental and leasing		15,470		4,731		0		0		20,201		193,358		213,559
Other		6,296		9,318		0		0		15,614		178,281		193,895
Consumer		0		413		20		90		523		40,508		41,031
Commercial business		1,893		1,739		0		0		3,632		68,328		71,960
	$	23,793		17,136		74		90		41,093		647,833		688,926

	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

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
March 31, 2022
Single family	$	679		0		265		944		167,537		168,481		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		213,559		213,559		0
Other		0		0		0		0		193,895		193,895		0
Consumer		393		34		122		549		40,482		41,031		0
Commercial business		0		0		0		0		71,960		71,960		0
	$	1,072		34		387		1,493		687,433		688,926		0
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

Impaired Financing Receivables [Table Text Block]

	March 31, 2022						December 31, 2021
(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	$	394		413		0		253		272		0
Commercial real estate:
Other		185		185		0		189		189		0
Consumer		359		359		0		419		419		0
Loans with an allowance recorded:
Single family		84		84		34		87		87		36
Commercial real estate:
Other		3,366		3,366		280		3,568		3,568		280
Consumer		164		164		121		127		127		83
Commercial business		7		7		7		7		7		7
Total:
Single family		478		497		34		340		359		36
Commercial real estate:
Other		3,551		3,551		280		3,757		3,757		280
Consumer		523		523		121		546		546		83
Commercial business		7		7		7		7		7		7
	$	4,559		4,578		442		4,650		4,669		406

	March 31, 2022				March 31, 2021
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	324		2		739		6
Commercial real estate:
Real estate rental and leasing		0		0		1,002		0
Other		187		0		205		0
Consumer		389		2		543		1
Loans with an allowance recorded:
Single family		86		0		116		0
Commercial real estate:
Real estate rental and leasing		0		0		83		0
Other		3,467		0		157		0
Consumer		146		1		162		0
Commercial business		7		0		36		0
Total:
Single family		410		2		855		6
Commercial real estate:
Real estate rental and leasing		0		0		1,085		0
Other		3,654		0		362		0
Consumer		535		3		705		1
Commercial business		7		0		36		0
	$	4,606		5		3,043		7

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	March 31, 2022		December 31, 2021
Single family	$	478	$	340
Commercial real estate:
Other		3,551		3,757
Consumer		500		517
Commercial business		7		7
	$	4,536	$	4,621

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	March 31, 2022						December, 31, 2021
(Dollars in thousands)	Accruing		Non-Accrual		Total		Accruing		Non-Accrual		Total
Single family	$	0		250		250		0		254		254
Commercial real estate		0		349		349		0		355		355
Consumer		23		375		398		29		413		442
	$	23		974		997		29		1,022		1,051

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

	Three Months Ended March 31, 2022						Three Months Ended March 31, 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:
Commercial real estate:
Other		1	$	165		165		1	$	139		139
Commercial business		0		0		0		1		14		14
Total		1	$	165		165		2	$	153		153