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Note 3 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Sep. 30, 2020 | Jun. 30, 2020 | Dec. 31, 2019 | Sep. 30, 2019 | Jun. 30, 2019 | Dec. 31, 2018
--- | --- | --- | --- | --- | --- | ---
Loans | $ 519,602 |  | $ 493,499 |  |  |
Less undisbursed portion of loans in process | (20,937) |  | (23,081) |  |  |
Principal loan balance | 498,665 |  | 470,418 |  |  |
Deferred loan origination fees and costs, net | (133) |  | 1,137 |  |  |
Allowance for loan losses | (6,404) | $ (6,064) | (5,061) | $ (4,739) | $ (4,609) | $ (4,065)
Loans, net | 492,128 |  | 466,494 |  |  |
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] |  |  |  |  |  |
Loans | 127,146 |  | 131,959 |  |  |
Allowance for loan losses | (1,129) | (1,055) | (867) | (806) | (754) | (693)
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] |  |  |  |  |  |
Loans | 17,181 |  | 19,185 |  |  |
Principal loan balance | 17,181 |  | 19,185 |  |  |
Deferred loan origination fees and costs, net | 14 |  | 15 |  |  |
Allowance for loan losses | (207) | (196) | (163) | (172) | (170) | (162)
Real Estate Mortgage Portfolio Segment [Member] | Residential Construction [Member] |  |  |  |  |  |
Loans | 44,091 |  | 35,554 |  |  |
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |  |  |
Loans | 128,130 |  | 121,563 |  |  |
Principal loan balance | 128,130 |  | 121,563 |  |  |
Deferred loan origination fees and costs, net | (64) |  | (62) |  |  |
Allowance for loan losses | (2,054) | (1,902) | (1,623) | (1,482) | (1,452) | (1,401)
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Construction [Member] |  |  |  |  |  |
Loans | 6,539 |  | 20,086 |  |  |
Commercial Portfolio Segment [Member] |  |  |  |  |  |
Loans | 79,856 |  | 45,307 |  |  |
Principal loan balance | 79,856 |  | 45,307 |  |  |
Deferred loan origination fees and costs, net | (1,275) |  | 0 |  |  |
Allowance for loan losses | (853) | (868) | (595) | (552) | (596) | (459)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |  |
Loans | 51,885 |  | 54,677 |  |  |
Principal loan balance | 51,885 |  | 54,677 |  |  |
Deferred loan origination fees and costs, net | 1,085 |  | 1,067 |  |  |
Allowance for loan losses | (643) | (604) | (515) | (487) | (472) | (443)
Consumer Portfolio Segment [Member] | Automobile Loan [Member] |  |  |  |  |  |
Loans | 44,304 |  | 46,443 |  |  |
Consumer Portfolio Segment [Member] | Loans Secured by Deposits [Member] |  |  |  |  |  |
Loans | 1,204 |  | 1,372 |  |  |
Consumer Portfolio Segment [Member] | Unsecured Loan [Member] |  |  |  |  |  |
Loans | 2,912 |  | 3,653 |  |  |
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |  |  |  |
Loans | 16,354 |  | 13,700 |  |  |
Allowance for loan losses | $ (1,145) | $ (1,070) | $ (948) | $ (889) | $ (849) | $ (683)

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