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

6 Months Ended

Jun. 30, 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, March 31, 2022	$	1,002		6,495		991			1,096			9,584
Provision for losses		66		91		70			(161	)		66
Charge-offs		0		0		(15	)		0			(15	)
Recoveries		0		0		1			8			9
Balance, June 30, 2022	$	1,068		6,586		1,047			943			9,644
Balance, December 31, 2021	$	974		6,388		981			936			9,279
Provision for losses		94		198		80			(10	)		362
Charge-offs		0		0		(16	)		0			(16	)
Recoveries		0		0		2			17			19
Balance, June 30, 2022	$	1,068		6,586		1,047			943			9,644
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	$	32		250		116			6			404
General reserves		1,036		6,336		931			937			9,240
Balance, June 30, 2022	$	1,068		6,586		1,047			943			9,644
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 June 30, 2022:
Individually reviewed for impairment	$	565		3,466		459			6			4,496
Collectively reviewed for impairment		173,268		407,689		42,851			60,138			683,946
Ending balance	$	173,833		411,155		43,310			60,144			688,442

(Dollars in thousands)	Single Family			Commercial Real Estate			Consumer			Commercial Business			Total
For the three months ended June 30, 2021:
Balance, March 31, 2021	$	839			7,073			1,189			1,031			10,132
Provision for losses		90			(690	)		(166	)		(125	)		(891	)
Charge-offs		0			0			(11	)		0			(11	)
Recoveries		0			650			27			8			685
Balance, June 30, 2021	$	929			7,033			1,039			914			9,915
For the six months ended June 30, 2021:
Balance, December 31, 2020	$	1,030			7,295			1,389			985			10,699
Provision for losses		(101	)		(912	)		(336	)		(118	)		(1,467	)
Charge-offs		0			0			(42	)		0			(42	)
Recoveries		0			650			28			47			725
Balance, June 30, 2021	$	929			7,033			1,039			914			9,915

Financing Receivable Credit Quality Indicators [Table Text Block]

	June 30, 2022
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	511		1,123		52		0		1,686		172,147		173,833
Commercial real estate:
Real estate rental and leasing		15,337		4,728		0		0		20,065		193,036		213,101
Other		5,916		9,697		0		0		15,613		182,441		198,054
Consumer		0		352		19		87		458		42,852		43,310
Commercial business		1,118		1,973		0		0		3,091		57,053		60,144
	$	22,882		17,873		71		87		40,913		647,529		688,442

	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
June 30, 2022
Single family	$	2,381		116		286		2,783		171,050		173,833		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		213,101		213,101		0
Other		0		0		0		0		198,054		198,054		0
Consumer		200		74		73		347		42,963		43,310		0
Commercial business		0		0		0		0		60,144		60,144		0
	$	2,581		190		359		3,130		685,312		688,442		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]

	June 30, 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	$	484		503		0		253		272		0
Commercial real estate:
Other		180		180		0		189		189		0
Consumer		300		300		0		419		419		0
Loans with an allowance recorded:
Single family		81		81		32		87		87		36
Commercial real estate:
Other		3,286		3,286		250		3,568		3,568		280
Consumer		159		159		116		127		127		83
Commercial business		6		6		6		7		7		7
Total:
Single family		565		584		32		340		359		36
Commercial real estate:
Other		3,466		3,466		250		3,757		3,757		280
Consumer		459		459		116		546		546		83
Commercial business		6		6		6		7		7		7
	$	4,496		4,515		404		4,650		4,669		406

	For the Three Months Ended June 30, 2022				For the Six Months Ended June 30, 2022
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
Loans with no related allowance recorded:
Single family	$	439		1		377		4
Commercial real estate:
Other		183		2		185		10
Consumer		330		3		359		5
Loans with an allowance recorded:
Single family		83		0		84		0
Commercial real estate:
Other		3,326		0		3,407		0
Consumer		162		0		150		1
Commercial business		7		0		7		0
Total:
Single family		522		1		461		4
Commercial real estate:
Other		3,509		2		3,592		10
Consumer		492		3		509		6
Commercial business		7		0		7		0
	$	4,530		6		4,569		20

	For the Three Months Ended June 30, 2021				For the Six Months Ended June 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	$	580		1		633		2
Commercial real estate:
Real estate rental and leasing		614		0		720		0
Other		196		0		201		0
Consumer		570		2		571		2
Loans with an allowance recorded:
Single family		135		0		129		0
Commercial real estate:
Real estate rental and leasing		0		0		55		0
Other		154		0		161		0
Consumer		122		0		140		1
Commercial business		32		0		33		1
Total:
Single family		715		1		762		2
Commercial real estate:
Real estate rental and leasing		614		0		775		0
Other		350		0		362		0
Consumer		692		2		711		3
Commercial business		32		0		33		1
	$	2,403		3		2,643		6

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	June 30, 2022		December 31, 2021
Single family	$	565	$	340
Commercial real estate:
Other		3,286		3,757
Consumer		436		517
Commercial business		6		7
	$	4,293	$	4,621

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	June 30, 2022						December 31, 2021
(Dollars in thousands)	Accruing		Non-Accrual		Total		Accruing		Non-Accrual		Total
Single family	$	0		245		245		0		254		254
Commercial real estate		179		162		341		0		355		355
Consumer		23		353		376		29		413		442
	$	202		760		962		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 June 30, 2022						Six Months Ended June 30, 2022
(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		0	$	0		0		1	$	165		165
Total		0	$	0		0		1	$	165		165

	Three Months Ended June 30, 2021						Six Months Ended June 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:
Commercial real estate:
Other		0	$	0		0		1	$	139		139
Consumer		1		93		94		1		93		94
Commercial business		0		0		0		1		14		14
Total		1	$	93		94		3	$	246		247

Financing Receivable, Troubled Debt Restructuring, Subsequently Defaulted [Table Text Block]

	Three Months Ended June 30, 2022				Six Months Ended June 30, 2022
(Dollars in thousands)	Number of Contracts		Outstanding Recorded Investment		Number of Contracts		Outstanding Recorded Investment
Troubled debt restructurings that subsequently defaulted:
Consumer		1	$	37		1	$	37
Total		1	$	37		1	$	37