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Note 3 - Loans and Allowance for Loan Losses (Tables)

6 Months Ended

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

X

- Definition

Tabular disclosure of reconciliation of a concept from the beginning of a period to the end of a period.

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No definition available.

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Tabular disclosure of troubled debt restructurings by accrual status.

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- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524

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Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5212-111524

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- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
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