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v3.22.2.2

Note 3 - Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2022
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | June 30, |  |  | December 31, |
(In thousands) |  | 2022 |  |  | 2021 |
Real estate mortgage loans: |  |  |  |  |  |  |  |
Residential |  | $ | 142,849 |  |  | $ | 130,603 |
Land |  |  | 19,552 |  |  |  | 19,478 |
Construction |  |  | 71,927 |  |  |  | 59,959 |
Commercial |  |  | 154,046 |  |  |  | 137,915 |
Commercial business loans |  |  | 56,055 |  |  |  | 51,787 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity and second mortgage loans |  |  | 58,213 |  |  |  | 54,453 |
Automobile loans |  |  | 46,072 |  |  |  | 43,946 |
Loans secured by savings accounts |  |  | 703 |  |  |  | 827 |
Unsecured loans |  |  | 2,286 |  |  |  | 2,219 |
Other consumer loans |  |  | 12,650 |  |  |  | 13,579 |
Gross loans |  |  | 564,353 |  |  |  | 514,766 |
Less undisbursed portion of loans in process |  |  | (31,826 | ) |  |  | (26,520 | )
Principal loan balance |  |  | 532,527 |  |  |  | 488,246 |
Deferred loan origination fees and costs, net |  |  | 1,176 |  |  |  | 1,124 |
Allowance for loan losses |  |  | (6,394 | ) |  |  | (6,083 | )
Loans, net |  | $ | 527,309 |  |  | $ | 483,287 |
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 |  | $ | 2 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 1 |  |  | $ | - |  |  | $ | 3 |
Collectively evaluated for impairment |  |  | 1,253 |  |  |  | 241 |  |  |  | 496 |  |  |  | 1,991 |  |  |  | 888 |  |  |  | 532 |  |  |  | 980 |  |  |  | 6,381 |
Acquired with deteriorated credit quality |  |  | 10 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 10 |
Ending balance |  | $ | 1,265 |  |  | $ | 241 |  |  | $ | 496 |  |  | $ | 1,991 |  |  | $ | 888 |  |  | $ | 533 |  |  | $ | 980 |  |  | $ | 6,394 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  |  | 1,143 |  |  |  | 234 |  |  |  | 403 |  |  |  | 1,884 |  |  |  | 873 |  |  |  | 520 |  |  |  | 988 |  |  |  | 6,045 |
Acquired with deteriorated credit quality |  |  | 31 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 31 |
Ending balance |  | $ | 1,174 |  |  | $ | 234 |  |  | $ | 403 |  |  | $ | 1,884 |  |  | $ | 873 |  |  | $ | 527 |  |  | $ | 988 |  |  | $ | 6,083 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,228 |  |  | $ | 235 |  |  | $ | 387 |  |  | $ | 1,927 |  |  | $ | 994 |  |  | $ | 517 |  |  | $ | 957 |  |  | $ | 6,245 |
Provisions for loan losses |  |  | 32 |  |  |  | 6 |  |  |  | 109 |  |  |  | 64 |  |  |  | (106 | ) |  |  | 14 |  |  |  | 81 |  |  |  | 200 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (9 | ) |  |  | - |  |  |  | (127 | ) |  |  | (136 | )
Recoveries |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 2 |  |  |  | 69 |  |  |  | 85 |
Ending balance |  | $ | 1,265 |  |  | $ | 241 |  |  | $ | 496 |  |  | $ | 1,991 |  |  | $ | 888 |  |  | $ | 533 |  |  | $ | 980 |  |  | $ | 6,394 |
Changes in Allowance for Loan Losses for the six-months ended June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,174 |  |  | $ | 234 |  |  | $ | 403 |  |  | $ | 1,884 |  |  | $ | 873 |  |  | $ | 527 |  |  | $ | 988 |  |  | $ | 6,083 |
Provisions for loan losses |  |  | 81 |  |  |  | 7 |  |  |  | 93 |  |  |  | 107 |  |  |  | 15 |  |  |  | 4 |  |  |  | 68 |  |  |  | 375 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (9 | ) |  |  | - |  |  |  | (201 | ) |  |  | (210 | )
Recoveries |  |  | 10 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 2 |  |  |  | 125 |  |  |  | 146 |
Ending balance |  | $ | 1,265 |  |  | $ | 241 |  |  | $ | 496 |  |  | $ | 1,991 |  |  | $ | 888 |  |  | $ | 533 |  |  | $ | 980 |  |  | $ | 6,394 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |
Impaired Financing Receivables [Table Text Block] |
|  | At June 30, 2022 |  |  | Three Months Ended June 30, 2022 |  |  | Six Months Ended June 30, 2022 |
|  |  |  |  |  | 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 |  | $ | 887 |  |  | $ | 1,035 |  |  | $ | - |  |  | $ | 842 |  |  | $ | 2 |  |  | $ | 906 |  |  | $ | 7 |
Land |  |  | 50 |  |  |  | 50 |  |  |  | - |  |  |  | 76 |  |  |  | - |  |  |  | 85 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 580 |  |  |  | 597 |  |  |  | - |  |  |  | 590 |  |  |  | 7 |  |  |  | 627 |  |  |  | 14 |
Commercial business |  |  | 158 |  |  |  | 157 |  |  |  | - |  |  |  | 163 |  |  |  | 2 |  |  |  | 166 |  |  |  | 4 |
Home equity and second mortgage |  |  | 71 |  |  |  | 69 |  |  |  | - |  |  |  | 36 |  |  |  | - |  |  |  | 29 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 1,746 |  |  |  | 1,908 |  |  |  | - |  |  |  | 1,707 |  |  |  | 11 |  |  |  | 1,813 |  |  |  | 25 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 29 |  |  |  | 29 |  |  |  | 2 |  |  |  | 29 |  |  |  | - |  |  |  | 19 |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 283 |  |  |  | 297 |  |  |  | 1 |  |  |  | 285 |  |  |  | - |  |  |  | 286 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 312 |  |  |  | 326 |  |  |  | 3 |  |  |  | 314 |  |  |  | - |  |  |  | 305 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 916 |  |  |  | 1,064 |  |  |  | 2 |  |  |  | 871 |  |  |  | 2 |  |  |  | 925 |  |  |  | 7 |
Land |  |  | 50 |  |  |  | 50 |  |  |  | - |  |  |  | 76 |  |  |  | - |  |  |  | 85 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 580 |  |  |  | 597 |  |  |  | - |  |  |  | 590 |  |  |  | 7 |  |  |  | 627 |  |  |  | 14 |
Commercial business |  |  | 158 |  |  |  | 157 |  |  |  | - |  |  |  | 163 |  |  |  | 2 |  |  |  | 166 |  |  |  | 4 |
Home equity and second mortgage |  |  | 354 |  |  |  | 366 |  |  |  | 1 |  |  |  | 321 |  |  |  | - |  |  |  | 315 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 2,058 |  |  | $ | 2,234 |  |  | $ | 3 |  |  | $ | 2,021 |  |  | $ | 11 |  |  | $ | 2,118 |  |  | $ | 25 |
|  | Three Months Ended June 30, 2021 |  |  | Six Months Ended June 30, 2021 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,769 |  |  | $ | 6 |  |  | $ | 1,755 |  |  | $ | 12 |
Land |  |  | 100 |  |  |  | - |  |  |  | 99 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 750 |  |  |  | 9 |  |  |  | 760 |  |  |  | 17 |
Commercial business |  |  | 196 |  |  |  | 2 |  |  |  | 201 |  |  |  | 4 |
Home equity and second mortgage |  |  | 87 |  |  |  | 1 |  |  |  | 175 |  |  |  | 2 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 2,902 |  |  |  | 18 |  |  |  | 2,990 |  |  |  | 35 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | 26 |  |  |  | - |  |  |  | 17 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 290 |  |  |  | - |  |  |  | 193 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 316 |  |  |  | - |  |  |  | 210 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,769 |  |  |  | 6 |  |  |  | 1,755 |  |  |  | 12 |
Land |  |  | 126 |  |  |  | - |  |  |  | 116 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 750 |  |  |  | 9 |  |  |  | 760 |  |  |  | 17 |
Commercial business |  |  | 196 |  |  |  | 2 |  |  |  | 201 |  |  |  | 4 |
Home equity and second mortgage |  |  | 377 |  |  |  | 1 |  |  |  | 368 |  |  |  | 2 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 3,218 |  |  | $ | 18 |  |  | $ | 3,200 |  |  | $ | 35 |
|  |  |  |  |  | Unpaid |  |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |
|  | Investment |  |  | Balance |  |  | Allowance |
|  | (In thousands) |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,034 |  |  | $ | 1,163 |  |  | $ | - |
Land |  |  | 102 |  |  |  | 104 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 702 |  |  |  | 716 |  |  |  | - |
Commercial business |  |  | 174 |  |  |  | 174 |  |  |  | - |
Home equity and second mortgage |  |  | 15 |  |  |  | 15 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 2,027 |  |  |  | 2,172 |  |  |  | - |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 288 |  |  |  | 296 |  |  |  | 7 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 288 |  |  |  | 296 |  |  |  | 7 |
Total: |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,034 |  |  |  | 1,163 |  |  |  | - |
Land |  |  | 102 |  |  |  | 104 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 702 |  |  |  | 716 |  |  |  | - |
Commercial business |  |  | 174 |  |  |  | 174 |  |  |  | - |
Home equity and second mortgage |  |  | 303 |  |  |  | 311 |  |  |  | 7 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 2,315 |  |  | $ | 2,468 |  |  | $ | 7 |
Financing Receivable, Nonaccrual [Table Text Block] |
|  | June 30, 2022 |  |  | December 31, 2021 |
|  |  |  |  |  | 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 |  | $ | 787 |  |  | $ | - |  |  | $ | 787 |  |  | $ | 806 |  |  | $ | - |  |  | $ | 806 |
Land |  |  | 50 |  |  |  | - |  |  |  | 50 |  |  |  | 102 |  |  |  | - |  |  |  | 102 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 98 |  |  |  | - |  |  |  | 98 |  |  |  | 115 |  |  |  | - |  |  |  | 115 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 354 |  |  |  | - |  |  |  | 354 |  |  |  | 304 |  |  |  | - |  |  |  | 304 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | 3 |
Total |  | $ | 1,289 |  |  | $ | - |  |  | $ | 1,289 |  |  | $ | 1,327 |  |  | $ | 3 |  |  | $ | 1,330 |
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 |  | $ | 1,089 |  |  | $ | 301 |  |  | $ | 492 |  |  | $ | 1,882 |  |  | $ | 141,253 |  |  | $ | 268 |  |  | $ | 143,403 |
Land |  |  | 50 |  |  |  | 61 |  |  |  | 50 |  |  |  | 161 |  |  |  | 19,513 |  |  |  | - |  |  |  | 19,674 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 40,174 |  |  |  | - |  |  |  | 40,174 |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 154,263 |  |  |  | 3 |  |  |  | 154,266 |
Commercial business |  |  | 165 |  |  |  | - |  |  |  | - |  |  |  | 165 |  |  |  | 56,080 |  |  |  | - |  |  |  | 56,245 |
Home equity and second mortgage |  |  | 99 |  |  |  | - |  |  |  | 71 |  |  |  | 170 |  |  |  | 59,406 |  |  |  | - |  |  |  | 59,576 |
Other consumer |  |  | 145 |  |  |  | 33 |  |  |  | - |  |  |  | 178 |  |  |  | 61,733 |  |  |  | - |  |  |  | 61,911 |
Total |  | $ | 1,548 |  |  | $ | 395 |  |  | $ | 613 |  |  | $ | 2,556 |  |  | $ | 532,422 |  |  | $ | 271 |  |  | $ | 535,249 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  | $ | 1,186 |  |  | $ | 158 |  |  | $ | 501 |  |  | $ | 1,845 |  |  | $ | 129,037 |  |  | $ | 270 |  |  | $ | 131,152 |
Land |  |  | 94 |  |  |  | 62 |  |  |  | 102 |  |  |  | 258 |  |  |  | 19,336 |  |  |  | - |  |  |  | 19,594 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 33,491 |  |  |  | - |  |  |  | 33,491 |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 138,130 |  |  |  | 11 |  |  |  | 138,141 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 51,921 |  |  |  | - |  |  |  | 51,921 |
Home equity and second mortgage |  |  | 165 |  |  |  | - |  |  |  | - |  |  |  | 165 |  |  |  | 55,577 |  |  |  | - |  |  |  | 55,742 |
Other consumer |  |  | 129 |  |  |  | 3 |  |  |  | 3 |  |  |  | 135 |  |  |  | 60,654 |  |  |  | - |  |  |  | 60,789 |
Total |  | $ | 1,574 |  |  | $ | 223 |  |  | $ | 606 |  |  | $ | 2,403 |  |  | $ | 488,146 |  |  | $ | 281 |  |  | $ | 490,830 |
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, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 142,074 |  |  | $ | 19,503 |  |  | $ | 40,174 |  |  | $ | 152,062 |  |  | $ | 55,544 |  |  | $ | 59,222 |  |  | $ | 61,911 |  |  | $ | 530,490 |
Special Mention |  |  | - |  |  |  | 60 |  |  |  | - |  |  |  | 922 |  |  |  | 476 |  |  |  | - |  |  |  | - |  |  |  | 1,458 |
Substandard |  |  | 542 |  |  |  | 61 |  |  |  | - |  |  |  | 1,184 |  |  |  | 225 |  |  |  | - |  |  |  | - |  |  |  | 2,012 |
Doubtful |  |  | 787 |  |  |  | 50 |  |  |  | - |  |  |  | 98 |  |  |  | - |  |  |  | 354 |  |  |  | - |  |  |  | 1,289 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 143,403 |  |  | $ | 19,674 |  |  | $ | 40,174 |  |  | $ | 154,266 |  |  | $ | 56,245 |  |  | $ | 59,576 |  |  | $ | 61,911 |  |  | $ | 535,249 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 129,705 |  |  | $ | 19,369 |  |  | $ | 33,491 |  |  | $ | 135,608 |  |  | $ | 51,353 |  |  | $ | 55,438 |  |  | $ | 60,789 |  |  | $ | 485,753 |
Special Mention |  |  | - |  |  |  | 61 |  |  |  | - |  |  |  | 1,203 |  |  |  | 323 |  |  |  | - |  |  |  | - |  |  |  | 1,587 |
Substandard |  |  | 641 |  |  |  | 62 |  |  |  | - |  |  |  | 1,215 |  |  |  | 245 |  |  |  | - |  |  |  | - |  |  |  | 2,163 |
Doubtful |  |  | 806 |  |  |  | 102 |  |  |  | - |  |  |  | 115 |  |  |  | - |  |  |  | 304 |  |  |  | - |  |  |  | 1,327 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 131,152 |  |  | $ | 19,594 |  |  | $ | 33,491 |  |  | $ | 138,141 |  |  | $ | 51,921 |  |  | $ | 55,742 |  |  | $ | 60,789 |  |  | $ | 490,830 |
Schedule of Troubled Debt Restructurings by Accrual Status [Table Text Block] |
|  | June 30, 2022 |  |  | December 31, 2021 |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Related |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Related |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Allowance |
|  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | for Loan Losses |  |  | Accruing |  |  | Nonaccrual |  |  | Total |  |  | for Loan Losses |
|  | (In thousands) |
Troubled debt restructurings: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 127 |  |  | $ | - |  |  | $ | 127 |  |  | $ | - |  |  | $ | 216 |  |  | $ | - |  |  | $ | 216 |  |  | $ | - |
Commercial real estate |  |  | 477 |  |  |  | - |  |  |  | 477 |  |  |  | - |  |  |  | 585 |  |  |  | - |  |  |  | 585 |  |  |  | - |
Commercial business |  |  | 156 |  |  |  | - |  |  |  | 156 |  |  |  | - |  |  |  | 174 |  |  |  | - |  |  |  | 174 |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | 282 |  |  |  | 282 |  |  |  | 1 |  |  |  | - |  |  |  | 287 |  |  |  | 287 |  |  |  | 7 |
Total |  | $ | 760 |  |  | $ | 282 |  |  | $ | 1,042 |  |  | $ | 1 |  |  | $ | 975 |  |  | $ | 287 |  |  | $ | 1,262 |  |  | $ | 7 |
Schedule of Purchased Credit Impaired Loans [Table Text Block] |
|  | June 30, |  |  | December 31, |
(In thousands) |  | 2022 |  |  | 2021 |
Residential real estate |  | $ | 268 |  |  | $ | 270 |
Commercial real estate |  |  | 3 |  |  |  | 11 |
Carrying amount |  |  | 271 |  |  |  | 281 |
Allowance for loan losses |  |  | 10 |  |  |  | 31 |
Carrying amount, net of allowance |  | $ | 261 |  |  | $ | 250 |
Certain Loans Acquired in Transfer Not Accounted for as Debt Securities, Accretable Yield Movement Schedule [Table Text Block] |
|  | Three Months Ended |  |  | Six Months Ended |
|  | 6/30/2022 |  |  | 6/30/2021 |  |  | 6/30/2022 |  |  | 6/30/2021 |
Balance at beginning of period |  | $ | 257 |  |  | $ | 303 |  |  | $ | 266 |  |  | $ | 316 |
New loans purchased |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Accretion to income |  |  | (6 | ) |  |  | (8 | ) |  |  | (12 | ) |  |  | (16 | )
Disposals and other adjustments |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Reclassification (to) from nonaccretable difference |  |  | 14 |  |  |  | (2 | ) |  |  | 11 |  |  |  | (7 | )
Balance at end of period |  | $ | 265 |  |  | $ | 293 |  |  | $ | 265 |  |  | $ | 293 |
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 |  | $ | 142,849 |  |  | $ | 19,552 |  |  | $ | 40,101 |  |  | $ | 154,046 |  |  | $ | 56,055 |  |  | $ | 58,213 |  |  | $ | 61,711 |  |  | $ | 532,527 |
Accrued interest receivable |  |  | 451 |  |  |  | 109 |  |  |  | 86 |  |  |  | 296 |  |  |  | 209 |  |  |  | 195 |  |  |  | 200 |  |  |  | 1,546 |
Net deferred loan origination fees and costs |  |  | 103 |  |  |  | 13 |  |  |  | (13 | ) |  |  | (76 | ) |  |  | (19 | ) |  |  | 1,168 |  |  |  | - |  |  |  | 1,176 |
Recorded investment in loans |  | $ | 143,403 |  |  | $ | 19,674 |  |  | $ | 40,174 |  |  | $ | 154,266 |  |  | $ | 56,245 |  |  | $ | 59,576 |  |  | $ | 61,911 |  |  | $ | 535,249 |
Recorded Investment in Loans as Evaluated for Impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 916 |  |  | $ | 50 |  |  | $ | - |  |  | $ | 580 |  |  | $ | 158 |  |  | $ | 354 |  |  | $ | - |  |  | $ | 2,058 |
Collectively evaluated for impairment |  |  | 142,219 |  |  |  | 19,624 |  |  |  | 40,174 |  |  |  | 153,683 |  |  |  | 56,087 |  |  |  | 59,222 |  |  |  | 61,911 |  |  |  | 532,920 |
Acquired with deteriorated credit quality |  |  | 268 |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 271 |
Ending balance |  | $ | 143,403 |  |  | $ | 19,674 |  |  | $ | 40,174 |  |  | $ | 154,266 |  |  | $ | 56,245 |  |  | $ | 59,576 |  |  | $ | 61,911 |  |  | $ | 535,249 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |  | $ | 130,603 |  |  | $ | 19,478 |  |  | $ | 33,439 |  |  | $ | 137,915 |  |  | $ | 51,787 |  |  | $ | 54,453 |  |  | $ | 60,571 |  |  | $ | 488,246 |
Accrued interest receivable |  |  | 442 |  |  |  | 103 |  |  |  | 67 |  |  |  | 290 |  |  |  | 180 |  |  |  | 160 |  |  |  | 218 |  |  |  | 1,460 |
Net deferred loan origination fees and costs |  |  | 107 |  |  |  | 13 |  |  |  | (15 | ) |  |  | (64 | ) |  |  | (46 | ) |  |  | 1,129 |  |  |  | - |  |  |  | 1,124 |
Recorded investment in loans |  | $ | 131,152 |  |  | $ | 19,594 |  |  | $ | 33,491 |  |  | $ | 138,141 |  |  | $ | 51,921 |  |  | $ | 55,742 |  |  | $ | 60,789 |  |  | $ | 490,830 |
Recorded Investment in Loans as Evaluated for Impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 1,034 |  |  | $ | 102 |  |  | $ | - |  |  | $ | 702 |  |  | $ | 174 |  |  | $ | 303 |  |  | $ | - |  |  | $ | 2,315 |
Collectively evaluated for impairment |  |  | 129,848 |  |  |  | 19,492 |  |  |  | 33,491 |  |  |  | 137,428 |  |  |  | 51,747 |  |  |  | 55,439 |  |  |  | 60,789 |  |  |  | 488,234 |
Acquired with deteriorated credit quality |  |  | 270 |  |  |  | - |  |  |  | - |  |  |  | 11 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 281 |
Ending balance |  | $ | 131,152 |  |  | $ | 19,594 |  |  | $ | 33,491 |  |  | $ | 138,141 |  |  | $ | 51,921 |  |  | $ | 55,742 |  |  | $ | 60,789 |  |  | $ | 490,830 |

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