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Note 3 - Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2021
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | September 30, |  |  | December 31, |
(In thousands) |  | 2021 |  |  | 2020 |
Real estate mortgage loans: |  |  |  |  |  |  |  |
Residential |  | $ | 132,226 |  |  | $ | 131,217 |
Land |  |  | 18,187 |  |  |  | 17,328 |
Residential construction |  |  | 50,197 |  |  |  | 39,160 |
Commercial real estate |  |  | 133,480 |  |  |  | 135,114 |
Commercial real estate construction |  |  | 9,592 |  |  |  | 4,988 |
Commercial business loans |  |  | 60,143 |  |  |  | 82,274 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity and second mortgage loans |  |  | 52,456 |  |  |  | 52,001 |
Automobile loans |  |  | 44,277 |  |  |  | 43,770 |
Loans secured by savings accounts |  |  | 1,007 |  |  |  | 1,083 |
Unsecured loans |  |  | 2,241 |  |  |  | 2,766 |
Other consumer loans |  |  | 13,827 |  |  |  | 16,117 |
Gross loans |  |  | 517,633 |  |  |  | 525,818 |
Less undisbursed portion of loans in process |  |  | (26,473 | ) |  |  | (19,179 | )
Principal loan balance |  |  | 491,160 |  |  |  | 506,639 |
Deferred loan origination fees and costs, net |  |  | 912 |  |  |  | 317 |
Allowance for loan losses |  |  | (6,567 | ) |  |  | (6,625 | )
Loans, net |  | $ | 485,505 |  |  | $ | 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 |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 7 |  |  | $ | - |  |  | $ | 7 |
Collectively evaluated for impairment |  |  | 1,181 |  |  |  | 205 |  |  |  | 403 |  |  |  | 2,317 |  |  |  | 764 |  |  |  | 638 |  |  |  | 1,022 |  |  |  | 6,530 |
Acquired with deteriorated credit quality |  |  | 30 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 30 |
Ending balance |  | $ | 1,211 |  |  | $ | 205 |  |  | $ | 403 |  |  | $ | 2,317 |  |  | $ | 764 |  |  | $ | 645 |  |  | $ | 1,022 |  |  | $ | 6,567 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,216 |  |  | $ | 215 |  |  | $ | 389 |  |  | $ | 2,357 |  |  | $ | 784 |  |  | $ | 625 |  |  | $ | 1,051 |  |  | $ | 6,637 |
Provisions for loan losses |  |  | 20 |  |  |  | (4 | ) |  |  | 14 |  |  |  | (40 | ) |  |  | (30 | ) |  |  | 20 |  |  |  | 20 |  |  |  | - |
Charge-offs |  |  | (26 | ) |  |  | (6 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (109 | ) |  |  | (141 | )
Recoveries |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10 |  |  |  | - |  |  |  | 60 |  |  |  | 71 |
Ending balance |  | $ | 1,211 |  |  | $ | 205 |  |  | $ | 403 |  |  | $ | 2,317 |  |  | $ | 764 |  |  | $ | 645 |  |  | $ | 1,022 |  |  | $ | 6,567 |
Changes in Allowance for Loan Losses for the nine-months ended September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,239 |  |  | $ | 209 |  |  | $ | 292 |  |  | $ | 2,358 |  |  | $ | 843 |  |  | $ | 617 |  |  | $ | 1,067 |  |  | $ | 6,625 |
Provisions for loan losses |  |  | - |  |  |  | 5 |  |  |  | 111 |  |  |  | (41 | ) |  |  | (89 | ) |  |  | 37 |  |  |  | 52 |  |  |  | 75 |
Charge-offs |  |  | (29 | ) |  |  | (9 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (10 | ) |  |  | (280 | ) |  |  | (328 | )
Recoveries |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10 |  |  |  | 1 |  |  |  | 183 |  |  |  | 195 |
Ending balance |  | $ | 1,211 |  |  | $ | 205 |  |  | $ | 403 |  |  | $ | 2,317 |  |  | $ | 764 |  |  | $ | 645 |  |  | $ | 1,022 |  |  | $ | 6,567 |
|  | Residential |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Commercial |  |  | Home Equity & |  |  | Other |  |  |  |  |
|  | Real Estate |  |  | Land |  |  | Construction |  |  | Real Estate |  |  | Business |  |  | 2nd Mtg |  |  | Consumer |  |  | Total |
|  | (In thousands) |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Changes in Allowance for Loan Losses for the three-months ended September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,055 |  |  | $ | 196 |  |  | $ | 369 |  |  | $ | 1,902 |  |  | $ | 868 |  |  | $ | 604 |  |  | $ | 1,070 |  |  | $ | 6,064 |
Provisions for loan losses |  |  | 70 |  |  |  | 11 |  |  |  | 4 |  |  |  | 152 |  |  |  | 17 |  |  |  | 39 |  |  |  | 107 |  |  |  | 400 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (32 | ) |  |  | - |  |  |  | (80 | ) |  |  | (112 | )
Recoveries |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 48 |  |  |  | 52 |
Ending balance |  | $ | 1,129 |  |  | $ | 207 |  |  | $ | 373 |  |  | $ | 2,054 |  |  | $ | 853 |  |  | $ | 643 |  |  | $ | 1,145 |  |  | $ | 6,404 |
Changes in Allowance for Loan Losses for the nine-months ended September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 867 |  |  | $ | 163 |  |  | $ | 350 |  |  | $ | 1,623 |  |  | $ | 595 |  |  | $ | 515 |  |  | $ | 948 |  |  | $ | 5,061 |
Provisions for loan losses |  |  | 284 |  |  |  | 44 |  |  |  | 23 |  |  |  | 431 |  |  |  | 290 |  |  |  | 117 |  |  |  | 387 |  |  |  | 1,576 |
Charge-offs |  |  | (72 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (32 | ) |  |  | - |  |  |  | (344 | ) |  |  | (448 | )
Recoveries |  |  | 50 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 11 |  |  |  | 154 |  |  |  | 215 |
Ending balance |  | $ | 1,129 |  |  | $ | 207 |  |  | $ | 373 |  |  | $ | 2,054 |  |  | $ | 853 |  |  | $ | 643 |  |  | $ | 1,145 |  |  | $ | 6,404 |
Impaired Financing Receivables [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Three Months Ended |  |  | Nine Months Ended |
|  | At September 30, 2021 |  |  | September 30, 2021 |  |  | September 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 |  | $ | 1,347 |  |  | $ | 1,454 |  |  | $ | - |  |  | $ | 1,503 |  |  | $ | 6 |  |  | $ | 1,653 |  |  | $ | 18 |
Land |  |  | 100 |  |  |  | 102 |  |  |  | - |  |  |  | 100 |  |  |  | - |  |  |  | 99 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 719 |  |  |  | 733 |  |  |  | - |  |  |  | 730 |  |  |  | 8 |  |  |  | 750 |  |  |  | 26 |
Commercial business |  |  | 181 |  |  |  | 181 |  |  |  | - |  |  |  | 186 |  |  |  | 2 |  |  |  | 196 |  |  |  | 6 |
Home equity and second mortgage |  |  | 16 |  |  |  | 15 |  |  |  | - |  |  |  | 63 |  |  |  | - |  |  |  | 136 |  |  |  | 1 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 2,363 |  |  |  | 2,485 |  |  |  | - |  |  |  | 2,582 |  |  |  | 16 |  |  |  | 2,834 |  |  |  | 51 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 26 |  |  |  | - |  |  |  | 13 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 288 |  |  |  | 295 |  |  |  | 7 |  |  |  | 289 |  |  |  | - |  |  |  | 217 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 288 |  |  |  | 295 |  |  |  | 7 |  |  |  | 315 |  |  |  | - |  |  |  | 230 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,347 |  |  |  | 1,454 |  |  |  | - |  |  |  | 1,503 |  |  |  | 6 |  |  |  | 1,653 |  |  |  | 18 |
Land |  |  | 100 |  |  |  | 102 |  |  |  | - |  |  |  | 126 |  |  |  | - |  |  |  | 112 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 719 |  |  |  | 733 |  |  |  | - |  |  |  | 730 |  |  |  | 8 |  |  |  | 750 |  |  |  | 26 |
Commercial business |  |  | 181 |  |  |  | 181 |  |  |  | - |  |  |  | 186 |  |  |  | 2 |  |  |  | 196 |  |  |  | 6 |
Home equity and second mortgage |  |  | 304 |  |  |  | 310 |  |  |  | 7 |  |  |  | 352 |  |  |  | - |  |  |  | 353 |  |  |  | 1 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 2,651 |  |  | $ | 2,780 |  |  | $ | 7 |  |  | $ | 2,897 |  |  | $ | 16 |  |  | $ | 3,064 |  |  | $ | 51 |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, 2020 |  |  | September 30, 2020 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,532 |  |  | $ | 6 |  |  | $ | 1,616 |  |  | $ | 16 |
Land |  |  | 90 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 1,301 |  |  |  | 9 |  |  |  | 851 |  |  |  | 27 |
Commercial business |  |  | 268 |  |  |  | 2 |  |  |  | 258 |  |  |  | 7 |
Home equity/2nd mortgage |  |  | 352 |  |  |  | 4 |  |  |  | 204 |  |  |  | 9 |
Other consumer |  |  | 4 |  |  |  | - |  |  |  | 24 |  |  |  | - |
|  |  | 3,547 |  |  |  | 21 |  |  |  | 3,055 |  |  |  | 59 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 109 |  |  |  | - |  |  |  | 146 |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | 191 |  |  |  | - |  |  |  | 95 |  |  |  | - |
Home equity/2nd mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 300 |  |  |  | - |  |  |  | 241 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,641 |  |  |  | 6 |  |  |  | 1,762 |  |  |  | 16 |
Land |  |  | 90 |  |  |  | - |  |  |  | 102 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | 0 |  |  |  | - |
Commercial real estate |  |  | 1,301 |  |  |  | 9 |  |  |  | 851 |  |  |  | 27 |
Commercial business |  |  | 459 |  |  |  | 2 |  |  |  | 353 |  |  |  | 7 |
Home equity/2nd mortgage |  |  | 352 |  |  |  | 4 |  |  |  | 204 |  |  |  | 9 |
Other consumer |  |  | 4 |  |  |  | - |  |  |  | 24 |  |  |  | 0 |
|  | $ | 3,847 |  |  | $ | 21 |  |  | $ | 3,296 |  |  | $ | 59 |
|  |  |  |  |  | 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] |
|  | September 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 |  | $ | 804 |  |  | $ | 52 |  |  | $ | 856 |  |  | $ | 1,154 |  |  | $ | - |  |  | $ | 1,154 |
Land |  |  | 100 |  |  |  | - |  |  |  | 100 |  |  |  | 97 |  |  |  | 59 |  |  |  | 156 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 124 |  |  |  | - |  |  |  | 124 |  |  |  | 155 |  |  |  | - |  |  |  | 155 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 304 |  |  |  | - |  |  |  | 304 |  |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 1,332 |  |  | $ | 52 |  |  | $ | 1,384 |  |  | $ | 1,406 |  |  | $ | 59 |  |  | $ | 1,465 |
Financing Receivable, Past Due [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Purchased |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days or More |  |  | Total |  |  |  |  |  |  | Credit |  |  | Total |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Impaired Loans |  |  | Loans |
|  | (In thousands) |
Residential |  | $ | 1,641 |  |  | $ | 144 |  |  | $ | 460 |  |  | $ | 2,245 |  |  | $ | 130,258 |  |  | $ | 271 |  |  | $ | 132,774 |
Land |  |  | 111 |  |  |  | - |  |  |  | 100 |  |  |  | 211 |  |  |  | 18,095 |  |  |  | - |  |  |  | 18,306 |
Construction |  |  | - |  |  |  | 81 |  |  |  | - |  |  |  | 81 |  |  |  | 33,288 |  |  |  | - |  |  |  | 33,369 |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 133,704 |  |  |  | 17 |  |  |  | 133,721 |
Commercial business |  |  | 285 |  |  |  | - |  |  |  | - |  |  |  | 285 |  |  |  | 59,846 |  |  |  | - |  |  |  | 60,131 |
Home equity and second mortgage |  |  | 26 |  |  |  | - |  |  |  | 304 |  |  |  | 330 |  |  |  | 53,406 |  |  |  | - |  |  |  | 53,736 |
Other consumer |  |  | 202 |  |  |  | 34 |  |  |  | - |  |  |  | 236 |  |  |  | 61,324 |  |  |  | - |  |  |  | 61,560 |
Total |  | $ | 2,265 |  |  | $ | 259 |  |  | $ | 864 |  |  | $ | 3,388 |  |  | $ | 489,921 |  |  | $ | 288 |  |  | $ | 493,597 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Purchased |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days or More |  |  | Total |  |  |  |  |  |  | Credit |  |  | Total |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Impaired 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) |
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 131,481 |  |  | $ | 18,083 |  |  | $ | 33,288 |  |  | $ | 131,149 |  |  | $ | 59,557 |  |  | $ | 53,432 |  |  | $ | 61,512 |  |  | $ | 488,502 |
Special Mention |  |  | - |  |  |  | 61 |  |  |  | - |  |  |  | 1,219 |  |  |  | 320 |  |  |  | - |  |  |  | 48 |  |  |  | 1,648 |
Substandard |  |  | 489 |  |  |  | 62 |  |  |  | 81 |  |  |  | 1,229 |  |  |  | 254 |  |  |  | - |  |  |  | - |  |  |  | 2,115 |
Doubtful |  |  | 804 |  |  |  | 100 |  |  |  | - |  |  |  | 124 |  |  |  | - |  |  |  | 304 |  |  |  | - |  |  |  | 1,332 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 132,774 |  |  | $ | 18,306 |  |  | $ | 33,369 |  |  | $ | 133,721 |  |  | $ | 60,131 |  |  | $ | 53,736 |  |  | $ | 61,560 |  |  | $ | 493,597 |
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] |
|  | September 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 |  | $ | 526 |  |  | $ | - |  |  | $ | 526 |  |  | $ | - |  |  | $ | 556 |  |  | $ | - |  |  | $ | 556 |  |  | $ | - |
Commercial real estate |  |  | 595 |  |  |  | - |  |  |  | 595 |  |  |  | - |  |  |  | 621 |  |  |  | - |  |  |  | 621 |  |  |  | - |
Commercial business |  |  | 181 |  |  |  | - |  |  |  | 181 |  |  |  | - |  |  |  | 210 |  |  |  | - |  |  |  | 210 |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | 287 |  |  |  | 287 |  |  |  | 7 |  |  |  | 345 |  |  |  | - |  |  |  | 345 |  |  |  | - |
Total |  | $ | 1,302 |  |  | $ | 287 |  |  | $ | 1,589 |  |  | $ | 7 |  |  | $ | 1,732 |  |  | $ | - |  |  | $ | 1,732 |  |  | $ | - |
Schedule of Purchased Credit Impaired Loans [Table Text Block] |
|  | September 30, |  |  | December 31, |
(In thousands) |  | 2021 |  |  | 2020 |
Residential real estate |  | $ | 271 |  |  | $ | 271 |
Commercial real estate |  |  | 17 |  |  |  | 26 |
Carrying amount |  |  | 288 |  |  |  | 297 |
Allowance for loan losses |  |  | 30 |  |  |  | 31 |
Carrying amount, net of allowance |  | $ | 258 |  |  | $ | 266 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block] |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | 9/30/2021 |  |  | 9/30/2020 |  |  | 9/30/2021 |  |  | 9/30/2020 |
Balance at beginning of period |  | $ | 293 |  |  | $ | 358 |  |  | $ | 316 |  |  | $ | 403 |
New loans purchased |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Accretion to income |  |  | (7 | ) |  |  | (11 | ) |  |  | (23 | ) |  |  | (33 | )
Disposals and other adjustments |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Reclassification (to) from nonaccretable difference |  |  | (6 | ) |  |  | (2 | ) |  |  | (13 | ) |  |  | (25 | )
Balance at end of period |  | $ | 280 |  |  | $ | 345 |  |  | $ | 280 |  |  | $ | 345 |
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 |  | $ | 132,226 |  |  | $ | 18,187 |  |  | $ | 33,316 |  |  | $ | 133,480 |  |  | $ | 60,143 |  |  | $ | 52,456 |  |  | $ | 61,352 |  |  | $ | 491,160 |
Accrued interest receivable |  |  | 439 |  |  |  | 103 |  |  |  | 65 |  |  |  | 300 |  |  |  | 257 |  |  |  | 153 |  |  |  | 208 |  |  |  | 1,525 |
Net deferred loan origination fees and costs |  |  | 109 |  |  |  | 16 |  |  |  | (12 | ) |  |  | (59 | ) |  |  | (269 | ) |  |  | 1,127 |  |  |  | - |  |  |  | 912 |
Recorded investment in loans |  | $ | 132,774 |  |  | $ | 18,306 |  |  | $ | 33,369 |  |  | $ | 133,721 |  |  | $ | 60,131 |  |  | $ | 53,736 |  |  | $ | 61,560 |  |  | $ | 493,597 |
Recorded Investment in Loans as Evaluated for Impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,347 |  |  | $ | 100 |  |  | $ | - |  |  | $ | 719 |  |  | $ | 181 |  |  | $ | 304 |  |  | $ | - |  |  | $ | 2,651 |
Collectively evaluated for impairment |  |  | 131,156 |  |  |  | 18,206 |  |  |  | 33,369 |  |  |  | 132,985 |  |  |  | 59,950 |  |  |  | 53,432 |  |  |  | 61,560 |  |  |  | 490,658 |
Acquired with deteriorated credit quality |  |  | 271 |  |  |  | - |  |  |  | - |  |  |  | 17 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 288 |
Ending balance |  | $ | 132,774 |  |  | $ | 18,306 |  |  | $ | 33,369 |  |  | $ | 133,721 |  |  | $ | 60,131 |  |  | $ | 53,736 |  |  | $ | 61,560 |  |  | $ | 493,597 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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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