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v3.21.2

Note 3 - Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2021
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | June 30, |  |  | December 31, |
(In thousands) |  | 2021 |  |  | 2020 |
Real estate mortgage loans: |  |  |  |  |  |  |  |
Residential |  | $ | 129,619 |  |  | $ | 131,217 |
Land |  |  | 18,322 |  |  |  | 17,328 |
Residential construction |  |  | 52,872 |  |  |  | 39,160 |
Commercial real estate |  |  | 132,379 |  |  |  | 135,114 |
Commercial real estate construction |  |  | 9,138 |  |  |  | 4,988 |
Commercial business loans |  |  | 68,208 |  |  |  | 82,274 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity and second mortgage loans |  |  | 49,817 |  |  |  | 52,001 |
Automobile loans |  |  | 43,302 |  |  |  | 43,770 |
Loans secured by savings accounts |  |  | 922 |  |  |  | 1,083 |
Unsecured loans |  |  | 2,292 |  |  |  | 2,766 |
Other consumer loans |  |  | 14,108 |  |  |  | 16,117 |
Gross loans |  |  | 520,979 |  |  |  | 525,818 |
Less undisbursed portion of loans in process |  |  | (29,713 | ) |  |  | (19,179 | )
Principal loan balance |  |  | 491,266 |  |  |  | 506,639 |
Deferred loan origination fees and costs, net |  |  | 121 |  |  |  | 317 |
Allowance for loan losses |  |  | (6,637 | ) |  |  | (6,625 | )
Loans, net |  | $ | 484,750 |  |  | $ | 500,331 |
Financing Receivable, Current, Allowance for Credit Loss [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | - |  |  | $ | 5 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 7 |  |  | $ | - |  |  | $ | 12 |
Collectively evaluated for impairment |  |  | 1,186 |  |  |  | 210 |  |  |  | 389 |  |  |  | 2,357 |  |  |  | 784 |  |  |  | 618 |  |  |  | 1,051 |  |  |  | 6,595 |
Acquired with deteriorated credit quality |  |  | 30 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 30 |
Ending balance |  | $ | 1,216 |  |  | $ | 215 |  |  | $ | 389 |  |  | $ | 2,357 |  |  | $ | 784 |  |  | $ | 625 |  |  | $ | 1,051 |  |  | $ | 6,637 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
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 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in Allowance for Loan Losses for the three-months ended June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,221 |  |  | $ | 209 |  |  | $ | 348 |  |  | $ | 2,355 |  |  | $ | 816 |  |  | $ | 622 |  |  | $ | 1,057 |  |  | $ | 6,628 |
Provisions for loan losses |  |  | (5 | ) |  |  | 6 |  |  |  | 41 |  |  |  | 2 |  |  |  | (32 | ) |  |  | 3 |  |  |  | (15 | ) |  |  | - |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (58 | ) |  |  | (58 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 67 |  |  |  | 67 |
Ending balance |  | $ | 1,216 |  |  | $ | 215 |  |  | $ | 389 |  |  | $ | 2,357 |  |  | $ | 784 |  |  | $ | 625 |  |  | $ | 1,051 |  |  | $ | 6,637 |
Changes in Allowance for Loan Losses for the six-months ended June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,239 |  |  | $ | 209 |  |  | $ | 292 |  |  | $ | 2,358 |  |  | $ | 843 |  |  | $ | 617 |  |  | $ | 1,067 |  |  | $ | 6,625 |
Provisions for loan losses |  |  | (19 | ) |  |  | 9 |  |  |  | 97 |  |  |  | (1 | ) |  |  | (59 | ) |  |  | 17 |  |  |  | 31 |  |  |  | 75 |
Charge-offs |  |  | (4 | ) |  |  | (3 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (9 | ) |  |  | (171 | ) |  |  | (187 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 124 |  |  |  | 124 |
Ending balance |  | $ | 1,216 |  |  | $ | 215 |  |  | $ | 389 |  |  | $ | 2,357 |  |  | $ | 784 |  |  | $ | 625 |  |  | $ | 1,051 |  |  | $ | 6,637 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in Allowance for Loan Losses for the three-months ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 929 |  |  | $ | 163 |  |  | $ | 353 |  |  | $ | 1,735 |  |  | $ | 620 |  |  | $ | 550 |  |  | $ | 957 |  |  | $ | 5,307 |
Provisions for loan losses |  |  | 150 |  |  |  | 33 |  |  |  | 16 |  |  |  | 167 |  |  |  | 248 |  |  |  | 45 |  |  |  | 166 |  |  |  | 825 |
Charge-offs |  |  | (71 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (106 | ) |  |  | (177 | )
Recoveries |  |  | 47 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 53 |  |  |  | 109 |
Ending balance |  | $ | 1,055 |  |  | $ | 196 |  |  | $ | 369 |  |  | $ | 1,902 |  |  | $ | 868 |  |  | $ | 604 |  |  | $ | 1,070 |  |  | $ | 6,064 |
Changes in Allowance for Loan Losses for the six-months ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 867 |  |  | $ | 163 |  |  | $ | 350 |  |  | $ | 1,623 |  |  | $ | 595 |  |  | $ | 515 |  |  | $ | 948 |  |  | $ | 5,061 |
Provisions for loan losses |  |  | 213 |  |  |  | 33 |  |  |  | 19 |  |  |  | 279 |  |  |  | 273 |  |  |  | 79 |  |  |  | 280 |  |  |  | 1,176 |
Charge-offs |  |  | (72 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (264 | ) |  |  | (336 | )
Recoveries |  |  | 47 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10 |  |  |  | 106 |  |  |  | 163 |
Ending balance |  | $ | 1,055 |  |  | $ | 196 |  |  | $ | 369 |  |  | $ | 1,902 |  |  | $ | 868 |  |  | $ | 604 |  |  | $ | 1,070 |  |  | $ | 6,064 |
Impaired Financing Receivables [Table Text Block] |
|  | At June 30, 2021 |  |  | Three Months Ended June 30, 2021 |  |  | Six Months Ended June 30, 2021 |
|  |  |  |  |  | Unpaid |  |  |  |  |  |  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,659 |  |  | $ | 1,762 |  |  | $ | - |  |  | $ | 1,769 |  |  | $ | 6 |  |  | $ | 1,755 |  |  | $ | 12 |
Land |  |  | 100 |  |  |  | 102 |  |  |  | - |  |  |  | 100 |  |  |  | - |  |  |  | 99 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 740 |  |  |  | 750 |  |  |  | - |  |  |  | 750 |  |  |  | 9 |  |  |  | 760 |  |  |  | 17 |
Commercial business |  |  | 190 |  |  |  | 189 |  |  |  | - |  |  |  | 196 |  |  |  | 2 |  |  |  | 201 |  |  |  | 4 |
Home equity and second mortgage |  |  | 109 |  |  |  | 107 |  |  |  | - |  |  |  | 87 |  |  |  | 1 |  |  |  | 175 |  |  |  | 2 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 2,798 |  |  |  | 2,910 |  |  |  | - |  |  |  | 2,902 |  |  |  | 18 |  |  |  | 2,990 |  |  |  | 35 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | 51 |  |  |  | 54 |  |  |  | 5 |  |  |  | 26 |  |  |  | - |  |  |  | 17 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 289 |  |  |  | 294 |  |  |  | 7 |  |  |  | 290 |  |  |  | - |  |  |  | 193 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 340 |  |  |  | 348 |  |  |  | 12 |  |  |  | 316 |  |  |  | - |  |  |  | 210 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,659 |  |  |  | 1,762 |  |  |  | - |  |  |  | 1,769 |  |  |  | 6 |  |  |  | 1,755 |  |  |  | 12 |
Land |  |  | 151 |  |  |  | 156 |  |  |  | 5 |  |  |  | 126 |  |  |  | - |  |  |  | 116 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 740 |  |  |  | 750 |  |  |  | - |  |  |  | 750 |  |  |  | 9 |  |  |  | 760 |  |  |  | 17 |
Commercial business |  |  | 190 |  |  |  | 189 |  |  |  | - |  |  |  | 196 |  |  |  | 2 |  |  |  | 201 |  |  |  | 4 |
Home equity and second mortgage |  |  | 398 |  |  |  | 401 |  |  |  | 7 |  |  |  | 377 |  |  |  | 1 |  |  |  | 368 |  |  |  | 2 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 3,138 |  |  | $ | 3,258 |  |  | $ | 12 |  |  | $ | 3,218 |  |  | $ | 18 |  |  | $ | 3,200 |  |  | $ | 35 |
|  | Three Months Ended June 30, 2020 |  |  | Six Months Ended June 30, 2020 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,622 |  |  | $ | 5 |  |  | $ | 1,660 |  |  | $ | 11 |
Land |  |  | 99 |  |  |  | - |  |  |  | 104 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 883 |  |  |  | 9 |  |  |  | 706 |  |  |  | 18 |
Commercial business |  |  | 265 |  |  |  | 3 |  |  |  | 260 |  |  |  | 4 |
Home equity and second mortgage |  |  | 204 |  |  |  | 4 |  |  |  | 155 |  |  |  | 5 |
Other consumer |  |  | 25 |  |  |  | - |  |  |  | 32 |  |  |  | - |
|  |  | 3,098 |  |  |  | 21 |  |  |  | 2,917 |  |  |  | 38 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 144 |  |  |  | - |  |  |  | 159 |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | 99 |  |  |  | - |  |  |  | 66 |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 243 |  |  |  | - |  |  |  | 225 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,766 |  |  |  | 5 |  |  |  | 1,819 |  |  |  | 11 |
Land |  |  | 99 |  |  |  | - |  |  |  | 104 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 883 |  |  |  | 9 |  |  |  | 706 |  |  |  | 18 |
Commercial business |  |  | 364 |  |  |  | 3 |  |  |  | 326 |  |  |  | 4 |
Home equity and second mortgage |  |  | 204 |  |  |  | 4 |  |  |  | 155 |  |  |  | 5 |
Other consumer |  |  | 25 |  |  |  | - |  |  |  | 32 |  |  |  | - |
|  | $ | 3,341 |  |  | $ | 21 |  |  | $ | 3,142 |  |  | $ | 38 |
|  |  |  |  |  | Unpaid |  |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |
|  | Investment |  |  | Balance |  |  | Allowance |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,728 |  |  | $ | 1,902 |  |  | $ | - |
Land |  |  | 97 |  |  |  | 97 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 779 |  |  |  | 784 |  |  |  | - |
Commercial business |  |  | 211 |  |  |  | 210 |  |  |  | - |
Home equity and second mortgage |  |  | 353 |  |  |  | 345 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 3,168 |  |  |  | 3,338 |  |  |  | - |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
|  |  | - |  |  |  | - |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,728 |  |  |  | 1,902 |  |  |  | - |
Land |  |  | 97 |  |  |  | 97 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 779 |  |  |  | 784 |  |  |  | - |
Commercial business |  |  | 211 |  |  |  | 210 |  |  |  | - |
Home equity and second mortgage |  |  | 353 |  |  |  | 345 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 3,168 |  |  | $ | 3,338 |  |  | $ | - |
Financing Receivable, Nonaccrual [Table Text Block] |
|  | June 30, 2021 |  |  | December 31, 2020 |
|  |  |  |  |  | Loans 90+ Days |  |  | Total |  |  |  |  |  |  | Loans 90+ Days |  |  | Total |
|  | Nonaccrual |  |  | Past Due |  |  | Nonperforming |  |  | Nonaccrual |  |  | Past Due |  |  | Nonperforming |
|  | Loans |  |  | Still Accruing |  |  | Loans |  |  | Loans |  |  | Still Accruing |  |  | Loans |
|  | (In thousands) |
Residential |  | $ | 1,092 |  |  | $ | 52 |  |  | $ | 1,144 |  |  | $ | 1,154 |  |  | $ | - |  |  | $ | 1,154 |
Land |  |  | 151 |  |  |  | - |  |  |  | 151 |  |  |  | 97 |  |  |  | 59 |  |  |  | 156 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 135 |  |  |  | - |  |  |  | 135 |  |  |  | 155 |  |  |  | - |  |  |  | 155 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 348 |  |  |  | - |  |  |  | 348 |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 1,726 |  |  | $ | 52 |  |  | $ | 1,778 |  |  | $ | 1,406 |  |  | $ | 59 |  |  | $ | 1,465 |
Financing Receivable, Past Due [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Purchased |  |  |  |  |
|  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |  |  |  |  |  | Credit |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Total |  |  |  |  |  |  | Impaired |  |  | Total |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Loans |  |  | Loans |
|  | (In thousands) |
Residential |  | $ | 912 |  |  | $ | 20 |  |  | $ | 845 |  |  | $ | 1,777 |  |  | $ | 128,135 |  |  | $ | 272 |  |  | $ | 130,184 |
Land |  |  | 256 |  |  |  | - |  |  |  | 97 |  |  |  | 353 |  |  |  | 18,067 |  |  |  | - |  |  |  | 18,420 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 32,346 |  |  |  | - |  |  |  | 32,346 |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 132,605 |  |  |  | 21 |  |  |  | 132,626 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 67,458 |  |  |  | - |  |  |  | 67,458 |
Home equity and second mortgage |  |  | 342 |  |  |  | - |  |  |  | 60 |  |  |  | 402 |  |  |  | 50,690 |  |  |  | - |  |  |  | 51,092 |
Other consumer |  |  | 160 |  |  |  | 44 |  |  |  | - |  |  |  | 204 |  |  |  | 60,639 |  |  |  | - |  |  |  | 60,843 |
Total |  | $ | 1,670 |  |  | $ | 64 |  |  | $ | 1,002 |  |  | $ | 2,736 |  |  | $ | 489,940 |  |  | $ | 293 |  |  | $ | 492,969 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Purchased |  |  |  |  |
|  |  |  |  |  |  |  |  |  | 90 Days |  |  |  |  |  |  |  |  |  |  | Credit |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | or More |  |  | Total |  |  |  |  |  |  | Impaired |  |  | Total |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Loans |  |  | Loans |
|  | (In thousands) |
Residential |  | $ | 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 |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
June 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 128,452 |  |  | $ | 18,144 |  |  | $ | 32,266 |  |  | $ | 129,097 |  |  | $ | 66,872 |  |  | $ | 50,744 |  |  | $ | 60,843 |  |  | $ | 486,418 |
Special Mention |  |  | - |  |  |  | 62 |  |  |  | - |  |  |  | 2,146 |  |  |  | 281 |  |  |  | - |  |  |  | - |  |  |  | 2,489 |
Substandard |  |  | 640 |  |  |  | 63 |  |  |  | 80 |  |  |  | 1,248 |  |  |  | 305 |  |  |  | - |  |  |  | - |  |  |  | 2,336 |
Doubtful |  |  | 1,092 |  |  |  | 151 |  |  |  | - |  |  |  | 135 |  |  |  | - |  |  |  | 348 |  |  |  | - |  |  |  | 1,726 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 130,184 |  |  | $ | 18,420 |  |  | $ | 32,346 |  |  | $ | 132,626 |  |  | $ | 67,458 |  |  | $ | 51,092 |  |  | $ | 60,843 |  |  | $ | 492,969 |
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 |  |  | 1,154 |  |  |  | 97 |  |  |  | - |  |  |  | 155 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,406 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 131,850 |  |  | $ | 17,461 |  |  | $ | 25,018 |  |  | $ | 135,484 |  |  | $ | 81,809 |  |  | $ | 53,277 |  |  | $ | 63,980 |  |  | $ | 508,879 |
Schedule of Troubled Debt Restructurings by Accrual Status [Table Text Block] |
|  | June 30, 2021 |  |  | December 31, 2020 |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Related |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Related |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Allowance |
|  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | for Loan Losses |  |  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | for Loan Losses |
|  | (In thousands) |
Troubled debt restructurings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 548 |  |  | $ | - |  |  | $ | 548 |  |  | $ | - |  |  | $ | 556 |  |  | $ | - |  |  | $ | 556 |  |  | $ | - |
Commercial real estate |  |  | 603 |  |  |  | - |  |  |  | 603 |  |  |  | - |  |  |  | 621 |  |  |  | - |  |  |  | 621 |  |  |  | - |
Commercial business |  |  | 189 |  |  |  | - |  |  |  | 189 |  |  |  | - |  |  |  | 210 |  |  |  | - |  |  |  | 210 |  |  |  | - |
Home equity and second mortgage |  |  | 48 |  |  |  | 288 |  |  |  | 336 |  |  |  | 7 |  |  |  | 345 |  |  |  | - |  |  |  | 345 |  |  |  | - |
Total |  | $ | 1,388 |  |  | $ | 288 |  |  | $ | 1,676 |  |  | $ | 7 |  |  | $ | 1,732 |  |  | $ | - |  |  | $ | 1,732 |  |  | $ | - |
Schedule of Purchased Credit Impaired Loans [Table Text Block] |
|  | June 30, |  |  | December 31, |
(In thousands) |  | 2021 |  |  | 2020 |
Residential real estate |  | $ | 272 |  |  | $ | 271 |
Commercial real estate |  |  | 21 |  |  |  | 26 |
Carrying amount |  |  | 293 |  |  |  | 297 |
Allowance for loan losses |  |  | 30 |  |  |  | 31 |
Carrying amount, net of allowance |  | $ | 263 |  |  | $ | 266 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block] |
|  | Three Months Ended |  |  | Six Months Ended |
|  | 6/30/2021 |  |  | 6/30/2020 |  |  | 6/30/2021 |  |  | 6/30/2020 |
Balance at beginning of period |  | $ | 303 |  |  | $ | 375 |  |  | $ | 316 |  |  | $ | 403 |
New loans purchased |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Accretion to income |  |  | (8 | ) |  |  | (11 | ) |  |  | (16 | ) |  |  | (22 | )
Disposals and other adjustments |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Reclassification (to) from nonaccretable difference |  |  | (2 | ) |  |  | (6 | ) |  |  | (7 | ) |  |  | (23 | )
Balance at end of period |  | $ | 293 |  |  | $ | 358 |  |  | $ | 293 |  |  | $ | 358 |
Financing Receivable [Member] |
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Recorded Investment in Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Principal loan balance |  | $ | 129,619 |  |  | $ | 18,322 |  |  | $ | 32,297 |  |  | $ | 132,379 |  |  | $ | 68,208 |  |  | $ | 49,817 |  |  | $ | 60,624 |  |  | $ | 491,266 |
Accrued interest receivable |  |  | 447 |  |  |  | 83 |  |  |  | 64 |  |  |  | 309 |  |  |  | 303 |  |  |  | 158 |  |  |  | 218 |  |  |  | 1,582 |
Net deferred loan origination fees and costs |  |  | 118 |  |  |  | 15 |  |  |  | (15 | ) |  |  | (62 | ) |  |  | (1,053 | ) |  |  | 1,117 |  |  |  | 1 |  |  |  | 121 |
Recorded investment in loans |  | $ | 130,184 |  |  | $ | 18,420 |  |  | $ | 32,346 |  |  | $ | 132,626 |  |  | $ | 67,458 |  |  | $ | 51,092 |  |  | $ | 60,843 |  |  | $ | 492,969 |
Recorded Investment in Loans as Evaluated for Impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,659 |  |  | $ | 151 |  |  | $ | - |  |  | $ | 740 |  |  | $ | 190 |  |  | $ | 398 |  |  | $ | - |  |  | $ | 3,138 |
Collectively evaluated for impairment |  |  | 128,253 |  |  |  | 18,269 |  |  |  | 32,346 |  |  |  | 131,865 |  |  |  | 67,268 |  |  |  | 50,694 |  |  |  | 60,843 |  |  |  | 489,538 |
Acquired with deteriorated credit quality |  |  | 272 |  |  |  | - |  |  |  | - |  |  |  | 21 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 293 |
Ending balance |  | $ | 130,184 |  |  | $ | 18,420 |  |  | $ | 32,346 |  |  | $ | 132,626 |  |  | $ | 67,458 |  |  | $ | 51,092 |  |  | $ | 60,843 |  |  | $ | 492,969 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Home Equity |  |  |  |  |  |  |  |  |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | and Second |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | Mortgage |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Recorded Investment in Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Recorded Investment in Loans as Evaluated for Impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |

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