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v3.20.4

Note 4 - Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
Loans at December 31, 2020 and 2019 consisted of the following: |  |  |  |  |  |
(In thousands) |  | 2020 |  |  | 2019 |
Real estate mortgage loans: |  |  |  |  |  |  |  |
Residential |  | $ | 131,217 |  |  | $ | 131,959 |
Land |  |  | 17,328 |  |  |  | 19,185 |
Residential construction |  |  | 39,160 |  |  |  | 35,554 |
Commercial real estate |  |  | 135,114 |  |  |  | 121,563 |
Commercial real estate construction |  |  | 4,988 |  |  |  | 20,086 |
Commercial business loans |  |  | 82,274 |  |  |  | 45,307 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity and second mortgage loans |  |  | 52,001 |  |  |  | 54,677 |
Automobile loans |  |  | 43,770 |  |  |  | 46,443 |
Loans secured by deposits |  |  | 1,083 |  |  |  | 1,372 |
Unsecured loans |  |  | 2,766 |  |  |  | 3,653 |
Other consumer loans |  |  | 16,117 |  |  |  | 13,700 |
Gross loans |  |  | 525,818 |  |  |  | 493,499 |
Less undisbursed portion of loans in process |  |  | (19,179 | ) |  |  | (23,081 | )
Principal loan balance |  |  | 506,639 |  |  |  | 470,418 |
Deferred loan origination fees and costs, net |  |  | 317 |  |  |  | 1,137 |
Allowance for loan losses |  |  | (6,625 | ) |  |  | (5,061 | )
Loans, net |  | $ | 500,331 |  |  | $ | 466,494 |
Schedule of Related Party Transactions [Table Text Block] |
(In thousands) |  | 2020 |  |  | 2019 |
Beginning balance |  | $ | 9,520 |  |  | $ | 7,867 |
Adjustments due to officer and director changes |  |  | (1,051 | ) |  |  | - |
New loans |  |  | 8,235 |  |  |  | 5,271 |
Payments |  |  | (3,417 | ) |  |  | (3,618 | )
Ending balance |  | $ | 13,287 |  |  | $ | 9,520 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
(In thousands) |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 867 |  |  | $ | 163 |  |  | $ | 350 |  |  | $ | 1,623 |  |  | $ | 595 |  |  | $ | 515 |  |  | $ | 948 |  |  | $ | 5,061 |
Provisions |  |  | 393 |  |  |  | 46 |  |  |  | (58 | ) |  |  | 735 |  |  |  | 280 |  |  |  | 91 |  |  |  | 314 |  |  |  | 1,801 |
Charge-offs |  |  | (72 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (32 | ) |  |  | - |  |  |  | (407 | ) |  |  | (511 | )
Recoveries |  |  | 51 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 11 |  |  |  | 212 |  |  |  | 274 |
Ending balance |  | $ | 1,239 |  |  | $ | 209 |  |  | $ | 292 |  |  | $ | 2,358 |  |  | $ | 843 |  |  | $ | 617 |  |  | $ | 1,067 |  |  | $ | 6,625 |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Collectively evaluated for impairment |  |  | 1,208 |  |  |  | 209 |  |  |  | 292 |  |  |  | 2,358 |  |  |  | 843 |  |  |  | 617 |  |  |  | 1,067 |  |  |  | 6,594 |
Acquired with deteriorated credit quality |  |  | 31 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 31 |
Ending balance |  | $ | 1,239 |  |  | $ | 209 |  |  | $ | 292 |  |  | $ | 2,358 |  |  | $ | 843 |  |  | $ | 617 |  |  | $ | 1,067 |  |  | $ | 6,625 |
Recorded Investment in Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,728 |  |  | $ | 97 |  |  | $ | - |  |  | $ | 779 |  |  | $ | 211 |  |  | $ | 353 |  |  | $ | - |  |  | $ | 3,168 |
Collectively evaluated for impairment |  |  | 129,851 |  |  |  | 17,364 |  |  |  | 25,018 |  |  |  | 134,679 |  |  |  | 81,598 |  |  |  | 52,924 |  |  |  | 63,980 |  |  |  | 505,414 |
Acquired with deteriorated credit quality |  |  | 271 |  |  |  | - |  |  |  | - |  |  |  | 26 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 297 |
Ending balance |  | $ | 131,850 |  |  | $ | 17,461 |  |  | $ | 25,018 |  |  | $ | 135,484 |  |  | $ | 81,809 |  |  | $ | 53,277 |  |  | $ | 63,980 |  |  | $ | 508,879 |
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
(In thousands) |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 693 |  |  | $ | 162 |  |  | $ | 224 |  |  | $ | 1,401 |  |  | $ | 459 |  |  | $ | 443 |  |  | $ | 683 |  |  | $ | 4,065 |
Provisions |  |  | 251 |  |  |  | - |  |  |  | 126 |  |  |  | 222 |  |  |  | 132 |  |  |  | 77 |  |  |  | 617 |  |  |  | 1,425 |
Charge-offs |  |  | (194 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (24 | ) |  |  | (548 | ) |  |  | (766 | )
Recoveries |  |  | 117 |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | 4 |  |  |  | 19 |  |  |  | 196 |  |  |  | 337 |
Ending balance |  | $ | 867 |  |  | $ | 163 |  |  | $ | 350 |  |  | $ | 1,623 |  |  | $ | 595 |  |  | $ | 515 |  |  | $ | 948 |  |  | $ | 5,061 |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 16 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 16 |
Collectively evaluated for impairment |  |  | 839 |  |  |  | 163 |  |  |  | 350 |  |  |  | 1,623 |  |  |  | 595 |  |  |  | 515 |  |  |  | 948 |  |  |  | 5,033 |
Acquired with deteriorated credit quality |  |  | 12 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 12 |
Ending balance |  | $ | 867 |  |  | $ | 163 |  |  | $ | 350 |  |  | $ | 1,623 |  |  | $ | 595 |  |  | $ | 515 |  |  | $ | 948 |  |  | $ | 5,061 |
Recorded Investment in Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,926 |  |  | $ | 115 |  |  | $ | - |  |  | $ | 353 |  |  | $ | 249 |  |  | $ | 56 |  |  | $ | 48 |  |  | $ | 2,747 |
Collectively evaluated for impairment |  |  | 130,328 |  |  |  | 19,199 |  |  |  | 32,644 |  |  |  | 121,421 |  |  |  | 45,200 |  |  |  | 55,932 |  |  |  | 65,392 |  |  |  | 470,116 |
Acquired with deteriorated credit quality |  |  | 285 |  |  |  | - |  |  |  | - |  |  |  | 39 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 324 |
Ending balance |  | $ | 132,539 |  |  | $ | 19,314 |  |  | $ | 32,644 |  |  | $ | 121,813 |  |  | $ | 45,449 |  |  | $ | 55,988 |  |  | $ | 65,440 |  |  | $ | 473,187 |
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
(In thousands) |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 219 |  |  | $ | 133 |  |  | $ | 245 |  |  | $ | 1,622 |  |  | $ | 291 |  |  | $ | 710 |  |  | $ | 414 |  |  | $ | 3,634 |
Provisions |  |  | 723 |  |  |  | 29 |  |  |  | (21 | ) |  |  | (296 | ) |  |  | 218 |  |  |  | (278 | ) |  |  | 793 |  |  |  | 1,168 |
Charge-offs |  |  | (258 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (51 | ) |  |  | (21 | ) |  |  | (697 | ) |  |  | (1,027 | )
Recoveries |  |  | 9 |  |  |  | - |  |  |  | - |  |  |  | 75 |  |  |  | 1 |  |  |  | 32 |  |  |  | 173 |  |  |  | 290 |
Ending balance |  | $ | 693 |  |  | $ | 162 |  |  | $ | 224 |  |  | $ | 1,401 |  |  | $ | 459 |  |  | $ | 443 |  |  | $ | 683 |  |  | $ | 4,065 |
Impaired Financing Receivables [Table Text Block] |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,728 |  |  | $ | 1,902 |  |  | $ | - |  |  | $ | 1,638 |  |  | $ | 22 |
Land |  |  | 97 |  |  |  | 97 |  |  |  | - |  |  |  | 101 |  |  |  | 1 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 779 |  |  |  | 784 |  |  |  | - |  |  |  | 836 |  |  |  | 36 |
Commercial business |  |  | 211 |  |  |  | 210 |  |  |  | - |  |  |  | 249 |  |  |  | 9 |
Home equity and second mortgage |  |  | 353 |  |  |  | 345 |  |  |  | - |  |  |  | 234 |  |  |  | 13 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 19 |  |  |  | - |
|  | $ | 3,168 |  |  | $ | 3,338 |  |  | $ | - |  |  | $ | 3,077 |  |  | $ | 81 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 117 |  |  | $ | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 76 |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 193 |  |  | $ | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,728 |  |  | $ | 1,902 |  |  | $ | - |  |  | $ | 1,755 |  |  | $ | 22 |
Land |  |  | 97 |  |  |  | 97 |  |  |  | - |  |  |  | 101 |  |  |  | 1 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 779 |  |  |  | 784 |  |  |  | - |  |  |  | 836 |  |  |  | 36 |
Commercial business |  |  | 211 |  |  |  | 210 |  |  |  | - |  |  |  | 325 |  |  |  | 9 |
Home equity and second mortgage |  |  | 353 |  |  |  | 345 |  |  |  | - |  |  |  | 234 |  |  |  | 13 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 19 |  |  |  | - |
|  | $ | 3,168 |  |  | $ | 3,338 |  |  | $ | - |  |  | $ | 3,270 |  |  | $ | 81 |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,737 |  |  | $ | 1,986 |  |  | $ | - |  |  | $ | 1,973 |  |  | $ | 17 |
Land |  |  | 115 |  |  |  | 117 |  |  |  | - |  |  |  | 147 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 209 |  |  |  | - |
Commercial real estate |  |  | 353 |  |  |  | 352 |  |  |  | - |  |  |  | 446 |  |  |  | 33 |
Commercial business |  |  | 249 |  |  |  | 257 |  |  |  | - |  |  |  | 330 |  |  |  | 11 |
Home equity and second mortgage |  |  | 56 |  |  |  | 56 |  |  |  | - |  |  |  | 29 |  |  |  | 1 |
Other consumer |  |  | 48 |  |  |  | 50 |  |  |  | - |  |  |  | 20 |  |  |  | - |
|  | $ | 2,558 |  |  | $ | 2,818 |  |  | $ | - |  |  | $ | 3,154 |  |  | $ | 62 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 189 |  |  | $ | 211 |  |  | $ | 16 |  |  | $ | 87 |  |  | $ | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 81 |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 58 |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 189 |  |  | $ | 211 |  |  | $ | 16 |  |  | $ | 239 |  |  | $ | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,926 |  |  | $ | 2,197 |  |  | $ | 16 |  |  | $ | 2,060 |  |  | $ | 17 |
Land |  |  | 115 |  |  |  | 117 |  |  |  | - |  |  |  | 147 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 209 |  |  |  | - |
Commercial real estate |  |  | 353 |  |  |  | 352 |  |  |  | - |  |  |  | 527 |  |  |  | 33 |
Commercial business |  |  | 249 |  |  |  | 257 |  |  |  | - |  |  |  | 388 |  |  |  | 11 |
Home equity and second mortgage |  |  | 56 |  |  |  | 56 |  |  |  | - |  |  |  | 42 |  |  |  | 1 |
Other consumer |  |  | 48 |  |  |  | 50 |  |  |  | - |  |  |  | 20 |  |  |  | - |
|  | $ | 2,747 |  |  | $ | 3,029 |  |  | $ | 16 |  |  | $ | 3,393 |  |  | $ | 62 |
|  | Average |  |  | Interest |
|  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
|  |  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |
Residential real estate |  | $ | 2,335 |  |  | $ | 23 |
Land |  |  | 135 |  |  |  | - |
Construction |  |  | 104 |  |  |  | - |
Commercial real estate |  |  | 325 |  |  |  | 16 |
Commercial business |  |  | 237 |  |  |  | 14 |
Home equity and second mortgage |  |  | 57 |  |  |  | 1 |
Other consumer |  |  | 5 |  |  |  | 1 |
|  | $ | 3,198 |  |  | $ | 55 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |
Residential real estate |  | $ | 203 |  |  | $ | - |
Land |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |
Commercial real estate |  |  | 42 |  |  |  | - |
Commercial business |  |  | 38 |  |  |  | - |
Home equity and second mortgage |  |  | 5 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |
|  | $ | 288 |  |  | $ | - |
Total: |  |  |  |  |  |  |  |
Residential real estate |  | $ | 2,538 |  |  | $ | 23 |
Land |  |  | 135 |  |  |  | - |
Construction |  |  | 104 |  |  |  | - |
Commercial real estate |  |  | 367 |  |  |  | 16 |
Commercial business |  |  | 275 |  |  |  | 14 |
Home equity and second mortgage |  |  | 62 |  |  |  | 1 |
Other consumer |  |  | 5 |  |  |  | 1 |
|  | $ | 3,486 |  |  | $ | 55 |
Financing Receivable, Nonaccrual [Table Text Block] |
|  | December 31, 2020 |  |  | December 31, 2019 |
|  | Nonaccrual Loans |  |  | Loans 90+ Days Past Due Still Accruing |  |  | Total Nonperforming Loans |  |  | Nonaccrual Loans |  |  | Loans 90+ Days Past Due Still Accruing |  |  | Total Nonperforming Loans |
|  | (In thousands) |
Residential real estate |  | $ | 1,154 |  |  | $ | - |  |  | $ | 1,154 |  |  | $ | 1,544 |  |  | $ | 13 |  |  | $ | 1,557 |
Land |  |  | 97 |  |  |  | 59 |  |  |  | 156 |  |  |  | 115 |  |  |  | - |  |  |  | 115 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 155 |  |  |  | - |  |  |  | 155 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 58 |  |  |  | - |  |  |  | 58 |
Home equity and second mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 48 |  |  |  | - |  |  |  | 48 |
Total |  | $ | 1,406 |  |  | $ | 59 |  |  | $ | 1,465 |  |  | $ | 1,765 |  |  | $ | 13 |  |  | $ | 1,778 |
Financing Receivable, Past Due [Table Text Block] |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Over 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Purchased Credit Impaired Loans |  |  | Total Loans |
|  |  |  |  |  | (In thousands) |
Residential real estate |  | $ | 1,672 |  |  | $ | 227 |  |  | $ | 726 |  |  | $ | 2,625 |  |  | $ | 128,954 |  |  | $ | 271 |  |  | $ | 131,850 |
Land |  |  | 130 |  |  |  | 65 |  |  |  | 156 |  |  |  | 351 |  |  |  | 17,110 |  |  |  | - |  |  |  | 17,461 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 25,018 |  |  |  | - |  |  |  | 25,018 |
Commercial real estate |  |  | 155 |  |  |  | - |  |  |  | - |  |  |  | 155 |  |  |  | 135,303 |  |  |  | 26 |  |  |  | 135,484 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 81,809 |  |  |  | - |  |  |  | 81,809 |
Home equity and second mortgage |  |  | 53 |  |  |  | 302 |  |  |  | - |  |  |  | 355 |  |  |  | 52,922 |  |  |  | - |  |  |  | 53,277 |
Other consumer |  |  | 285 |  |  |  | 101 |  |  |  | - |  |  |  | 386 |  |  |  | 63,594 |  |  |  | - |  |  |  | 63,980 |
Total |  | $ | 2,295 |  |  | $ | 695 |  |  | $ | 882 |  |  | $ | 3,872 |  |  | $ | 504,710 |  |  | $ | 297 |  |  | $ | 508,879 |
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Over 90 Days Past Due |  |  | Total Past Due |  |  | Current |  |  | Purchased Credit Impaired Loans |  |  | Total Loans |
|  |  |  |  |  | (In thousands) |
Residential real estate |  | $ | 2,572 |  |  | $ | 824 |  |  | $ | 1,010 |  |  | $ | 4,406 |  |  | $ | 127,848 |  |  | $ | 285 |  |  | $ | 132,539 |
Land |  |  | 185 |  |  |  | 101 |  |  |  | 80 |  |  |  | 366 |  |  |  | 18,948 |  |  |  | - |  |  |  | 19,314 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 32,644 |  |  |  | - |  |  |  | 32,644 |
Commercial real estate |  |  | - |  |  |  | 146 |  |  |  | - |  |  |  | 146 |  |  |  | 121,628 |  |  |  | 39 |  |  |  | 121,813 |
Commercial business |  |  | 61 |  |  |  | - |  |  |  | 58 |  |  |  | 119 |  |  |  | 45,330 |  |  |  | - |  |  |  | 45,449 |
Home equity and second mortgage |  |  | 395 |  |  |  | 256 |  |  |  | - |  |  |  | 651 |  |  |  | 55,337 |  |  |  | - |  |  |  | 55,988 |
Other consumer |  |  | 504 |  |  |  | 66 |  |  |  | - |  |  |  | 570 |  |  |  | 64,870 |  |  |  | - |  |  |  | 65,440 |
Total |  | $ | 3,717 |  |  | $ | 1,393 |  |  | $ | 1,148 |  |  | $ | 6,258 |  |  | $ | 466,605 |  |  | $ | 324 |  |  | $ | 473,187 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
(In thousands) |
December 31, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 130,054 |  |  | $ | 16,925 |  |  | $ | 25,018 |  |  | $ | 131,822 |  |  | $ | 81,452 |  |  | $ | 52,869 |  |  | $ | 63,919 |  |  | $ | 502,059 |
Special mention |  |  | - |  |  |  | 315 |  |  |  | - |  |  |  | 2,289 |  |  |  | 284 |  |  |  | - |  |  |  | 10 |  |  |  | 2,898 |
Substandard |  |  | 642 |  |  |  | 124 |  |  |  | - |  |  |  | 1,218 |  |  |  | 73 |  |  |  | 408 |  |  |  | 51 |  |  |  | 2,516 |
Doubtful/Nonaccrual |  |  | 1,154 |  |  |  | 97 |  |  |  | - |  |  |  | 155 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,406 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 131,850 |  |  | $ | 17,461 |  |  | $ | 25,018 |  |  | $ | 135,484 |  |  | $ | 81,809 |  |  | $ | 53,277 |  |  | $ | 63,980 |  |  | $ | 508,879 |
December 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 129,613 |  |  | $ | 18,805 |  |  | $ | 32,394 |  |  | $ | 119,469 |  |  | $ | 44,879 |  |  | $ | 55,569 |  |  | $ | 65,320 |  |  | $ | 466,049 |
Special mention |  |  | 46 |  |  |  | 327 |  |  |  | 250 |  |  |  | 1,136 |  |  |  | 378 |  |  |  | - |  |  |  | 72 |  |  |  | 2,209 |
Substandard |  |  | 1,336 |  |  |  | 67 |  |  |  | - |  |  |  | 1,208 |  |  |  | 134 |  |  |  | 419 |  |  |  | - |  |  |  | 3,164 |
Doubtful/Nonaccrual |  |  | 1,544 |  |  |  | 115 |  |  |  | - |  |  |  | - |  |  |  | 58 |  |  |  | - |  |  |  | 48 |  |  |  | 1,765 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 132,539 |  |  | $ | 19,314 |  |  | $ | 32,644 |  |  | $ | 121,813 |  |  | $ | 45,449 |  |  | $ | 55,988 |  |  | $ | 65,440 |  |  | $ | 473,187 |
Schedule of Troubled Debt Restructurings by Accrual Status [Table Text Block] |
|  | December 31, 2020 |  |  | December 31, 2019 |
|  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | Related Allowance for Loan Losses |  |  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | Related Allowance for Loan Losses |
|  | (In thousands) |
Residential real estate |  | $ | 556 |  |  | $ | - |  |  | $ | 556 |  |  | $ | - |  |  | $ | 367 |  |  | $ | 66 |  |  | $ | 433 |  |  | $ | - |
Commercial real estate |  |  | 621 |  |  |  | - |  |  |  | 621 |  |  |  | - |  |  |  | 553 |  |  |  | - |  |  |  | 553 |  |  |  | - |
Commercial business |  |  | 210 |  |  |  | - |  |  |  | 210 |  |  |  | - |  |  |  | 191 |  |  |  | - |  |  |  | 191 |  |  |  | - |
Home equity and second mortgage |  |  | 345 |  |  |  | - |  |  |  | 345 |  |  |  | - |  |  |  | 55 |  |  |  | - |  |  |  | 55 |  |  |  | - |
Total |  | $ | 1,732 |  |  | $ | - |  |  | $ | 1,732 |  |  | $ | - |  |  | $ | 1,166 |  |  | $ | 66 |  |  | $ | 1,232 |  |  | $ | - |
Schedule of Purchased Credit Impaired Loans [Table Text Block] |
(In thousands) |  | 2020 |  |  | 2019 |
Residential real estate |  | $ | 271 |  |  | $ | 285 |
Commercial real estate |  |  | 26 |  |  |  | 39 |
Carrying amount |  |  | 297 |  |  |  | 324 |
Allowance for loan losses |  |  | 31 |  |  |  | 12 |
Carrying amount, net of allowance |  | $ | 266 |  |  | $ | 312 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block] |
(In thousands) |  | 2020 |  |  | 2019 |  |  | 2018 |
Beginning balance |  | $ | 403 |  |  | $ | 423 |  |  | $ | 470 |
New loans acquired |  |  | - |  |  |  | - |  |  |  | - |
Accretion to income |  |  | (42 | ) |  |  | (46 | ) |  |  | (54 | )
Disposals and other adjustments |  |  | (4 | ) |  |  | - |  |  |  | (35 | )
Reclassification from nonaccretable difference |  |  | (41 | ) |  |  | 26 |  |  |  | 42 |
Ending balance |  | $ | 316 |  |  | $ | 403 |  |  | $ | 423 |
Financing Receivable [Member] |
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | Residential Real Estate |  |  | Land |  |  | Construction |  |  | Commercial Real Estate |  |  | Commercial Business |  |  | Home Equity and Second Mortgage |  |  | Other Consumer |  |  | Total |
|  | (In thousands) |
December 31, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Principal loan balance |  | $ | 131,217 |  |  | $ | 17,328 |  |  | $ | 24,969 |  |  | $ | 135,114 |  |  | $ | 82,274 |  |  | $ | 52,001 |  |  | $ | 63,736 |  |  | $ | 506,639 |
Accrued interest receivable |  |  | 513 |  |  |  | 116 |  |  |  | 61 |  |  |  | 435 |  |  |  | 378 |  |  |  | 176 |  |  |  | 244 |  |  |  | 1,923 |
Net deferred loan origination fees and costs |  |  | 120 |  |  |  | 17 |  |  |  | (12 | ) |  |  | (65 | ) |  |  | (843 | ) |  |  | 1,100 |  |  |  | - |  |  |  | 317 |
Recorded investment in loans |  | $ | 131,850 |  |  | $ | 17,461 |  |  | $ | 25,018 |  |  | $ | 135,484 |  |  | $ | 81,809 |  |  | $ | 53,277 |  |  | $ | 63,980 |  |  | $ | 508,879 |
December 31, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Principal loan balance |  | $ | 131,959 |  |  | $ | 19,185 |  |  | $ | 32,559 |  |  | $ | 121,563 |  |  | $ | 45,307 |  |  | $ | 54,677 |  |  | $ | 65,168 |  |  | $ | 470,418 |
Accrued interest receivable |  |  | 462 |  |  |  | 114 |  |  |  | 86 |  |  |  | 312 |  |  |  | 142 |  |  |  | 244 |  |  |  | 272 |  |  |  | 1,632 |
Net deferred loan origination fees and costs |  |  | 118 |  |  |  | 15 |  |  |  | (1 | ) |  |  | (62 | ) |  |  | - |  |  |  | 1,067 |  |  |  | - |  |  |  | 1,137 |
Recorded investment in loans |  | $ | 132,539 |  |  | $ | 19,314 |  |  | $ | 32,644 |  |  | $ | 121,813 |  |  | $ | 45,449 |  |  | $ | 55,988 |  |  | $ | 65,440 |  |  | $ | 473,187 |

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