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Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019 | Dec. 31, 2018
--- | --- | --- | --- | ---
Loans | $ 514,766 | $ 525,818 |  |
Less undisbursed portion of loans in process | (26,520) | (19,179) |  |
Principal loan balance | 488,246 | 506,639 |  |
Deferred loan origination fees and costs, net | 1,124 | 317 |  |
Allowance for loan losses | (6,083) | (6,625) | $ (5,061) | $ (4,065)
Loans, net | 483,287 | 500,331 |  |
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] |  |  |  |
Loans | 130,603 | 131,217 |  |
Allowance for loan losses | (1,174) | (1,239) | (867) | (693)
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] |  |  |  |
Loans | 19,478 | 17,328 |  |
Principal loan balance | 19,478 | 17,328 |  |
Deferred loan origination fees and costs, net | 13 | 17 |  |
Allowance for loan losses | (234) | (209) | (163) | (162)
Real Estate Mortgage Portfolio Segment [Member] | Residential Construction [Member] |  |  |  |
Loans | 59,959 | 44,148 |  |
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Construction [Member] |  |  |  |
Loans | 137,915 | 135,114 |  |
Commercial Portfolio Segment [Member] |  |  |  |
Loans | 51,787 | 82,274 |  |
Principal loan balance | 51,787 | 82,274 |  |
Deferred loan origination fees and costs, net | (46) | (843) |  |
Allowance for loan losses | (873) | (843) | (595) | (459)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |
Loans | 54,453 | 52,001 |  |
Principal loan balance | 54,453 | 52,001 |  |
Deferred loan origination fees and costs, net | 1,129 | 1,100 |  |
Allowance for loan losses | (527) | (617) | (515) | (443)
Consumer Portfolio Segment [Member] | Automobile Loan [Member] |  |  |  |
Loans | 43,946 | 43,770 |  |
Consumer Portfolio Segment [Member] | Loans Secured by Deposits [Member] |  |  |  |
Loans | 827 | 1,083 |  |
Consumer Portfolio Segment [Member] | Unsecured Loan [Member] |  |  |  |
Loans | 2,219 | 2,766 |  |
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |  |
Loans | 13,579 | 16,117 |  |
Principal loan balance | 60,571 | 63,736 |  |
Deferred loan origination fees and costs, net | $ 0 | $ 0 |  |
Allowance for loan losses |  |  | $ (948) | $ (683)

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