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

9 Months Ended

Sep. 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
For the three months ended September 30, 2022: Balance, June 30, 2022	$	1,068		6,586			1,047			943			9,644
Provision for losses		77		505			12			(15	)		579
Charge-offs		0		(90	)		(8	)		0			(98	)
Recoveries		1		0			5			10			16
Balance, September 30, 2022	$	1,146		7,001			1,056			938			10,141
For the nine months ended September 30, 2022 Balance, December 31, 2021	$	974		6,388			981			936			9,279
Provision for losses		171		703			92			(25	)		941
Charge-offs		0		(90	)		(24	)		0			(114	)
Recoveries		1		0			7			27			35
Balance, September 30, 2022	$	1,146		7,001			1,056			938			10,141
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	$	24		0			112			12			148
General reserves		1,122		7,001			944			926			9,993
Balance, September 30, 2022	$	1,146		7,001			1,056			938			10,141
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 September 30, 2022:
Individually reviewed for impairment	$	732		179			462			639			2,012
Collectively reviewed for impairment		187,313		455,182			43,762			62,597			748,854
Ending balance	$	188,045		455,361			44,224			63,236			750,866

(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

Financing Receivable Credit Quality Indicators [Table Text Block]

	September 30, 2022
	Classified										Unclassified
(Dollars in thousands)	Special Mention		Substandard		Doubtful		Loss		Total		Total		Total Loans
Single family	$	1,364		1,319		49		0		2,732		185,313		188,045
Commercial real estate:
Real estate rental and leasing		14,878		3,576		0		0		18,454		222,908		241,362
Other		12,867		10,079		0		0		22,946		191,053		213,999
Consumer		0		357		18		87		462		43,762		44,224
Commercial business		1,262		2,445		0		0		3,707		59,529		63,236
	$	30,371		17,776		67		87		48,301		702,565		750,866

	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
September 30, 2022
Single family	$	1,261		258		363		1,882		186,163		188,045		0
Commercial real estate:
Real estate rental and leasing		0		0		0		0		241,362		241,362		0
Other		0		0		0		0		213,999		213,999		0
Consumer		255		95		92		442		43,782		44,224		0
Commercial business		0		0		633		633		62,603		63,236		0
	$	1,516		353		1,088		2,957		747,909		750,866		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]

	September 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	$	684		702		0		253		272		0
Commercial real estate:
Other		179		179		0		189		189		0
Consumer		307		307		0		419		419		0
Loans with an allowance recorded:
Single family		48		48		24		87		87		36
Commercial real estate:
Other		0		0		0		3,568		3,568		280
Consumer		155		155		112		127		127		83
Commercial business		639		639		12		7		7		7
Total:
Single family		732		750		24		340		359		36
Commercial real estate:
Other		179		179		0		3,757		3,757		280
Consumer		462		462		112		546		546		83
Commercial business		639		639		12		7		7		7
	$	2,012		2,030		148		4,650		4,669		406

	For the Three Months Ended September 30, 2022				For the Nine Months Ended September 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	$	584		1		454		8
Commercial real estate:
Other		180		5		183		7
Consumer		304		2		346		7
Loans with an allowance recorded:
Single family		65		0		75		0
Commercial real estate:
Other		1,643		0		2,555		0
Consumer		157		0		151		1
Commercial business		323		0		165		0
Total:
Single family		649		1		529		8
Commercial real estate:
Other		1,823		5		2,738		7
Consumer		461		2		497		8
Commercial business		323		0		165		0
	$	3,256		8		3,929		23

	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

Financing Receivable, Nonaccrual [Table Text Block]

(Dollars in thousands)	September 30, 2022		December 31, 2021
Single family	$	732	$	340
Commercial real estate:
Other		0		3,757
Consumer		440		517
Commercial business		639		7
	$	1,811	$	4,621

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	September 30, 2022						December 31, 2021
(Dollars in thousands)	Accruing		Non-Accrual		Total		Accruing		Non-Accrual		Total
Single family	$	0		206		206		0		254		254
Commercial real estate		179		0		179		0		355		355
Consumer		22		339		361		29		413		442
	$	201		545		746		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 September 30, 2022						Nine Months Ended September 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
Consumer		1		19		19		1		19		19
Total		1	$	19		19		2	$	184		184

	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

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

	Three Months Ended September 30, 2022				Nine Months Ended September 30, 2022
(Dollars in thousands)	Number of Contracts		Outstanding Recorded Investment		Number of Contracts		Outstanding Recorded Investment
Troubled debt restructurings that subsequently defaulted:
Commercial real estate:
Other		1	$	162		1	$	162
Total		1	$	162		1	$	162