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Note 3 - Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2022
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | September 30, |  |  | December 31, |
(In thousands) |  | 2022 |  |  | 2021 |
Real estate mortgage loans: |  |  |  |  |  |  |  |
Residential |  | $ | 153,659 |  |  | $ | 130,603 |
Land |  |  | 22,377 |  |  |  | 19,478 |
Construction |  |  | 72,371 |  |  |  | 59,959 |
Commercial |  |  | 161,296 |  |  |  | 137,915 |
Commercial business loans |  |  | 54,760 |  |  |  | 51,787 |
Consumer loans: |  |  |  |  |  |  |  |
Home equity and second mortgage loans |  |  | 58,596 |  |  |  | 54,453 |
Automobile loans |  |  | 48,100 |  |  |  | 43,946 |
Loans secured by savings accounts |  |  | 655 |  |  |  | 827 |
Unsecured loans |  |  | 2,230 |  |  |  | 2,219 |
Other consumer loans |  |  | 13,090 |  |  |  | 13,579 |
Gross loans |  |  | 587,134 |  |  |  | 514,766 |
Less undisbursed portion of loans in process |  |  | (40,175 | ) |  |  | (26,520 | )
Principal loan balance |  |  | 546,959 |  |  |  | 488,246 |
Deferred loan origination fees and costs, net |  |  | 1,200 |  |  |  | 1,124 |
Allowance for loan losses |  |  | (6,566 | ) |  |  | (6,083 | )
Loans, net |  | $ | 541,593 |  |  | $ | 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 |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Collectively evaluated for impairment |  |  | 1,352 |  |  |  | 273 |  |  |  | 430 |  |  |  | 2,070 |  |  |  | 886 |  |  |  | 536 |  |  |  | 1,019 |  |  |  | 6,566 |
Acquired with deteriorated credit quality |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Ending balance |  | $ | 1,352 |  |  | $ | 273 |  |  | $ | 430 |  |  | $ | 2,070 |  |  | $ | 886 |  |  | $ | 536 |  |  | $ | 1,019 |  |  | $ | 6,566 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,265 |  |  | $ | 241 |  |  | $ | 496 |  |  | $ | 1,991 |  |  | $ | 888 |  |  | $ | 533 |  |  | $ | 980 |  |  | $ | 6,394 |
Provisions for loan losses |  |  | 87 |  |  |  | 32 |  |  |  | (66 | ) |  |  | 79 |  |  |  | (2 | ) |  |  | 3 |  |  |  | 42 |  |  |  | 175 |
Charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (77 | ) |  |  | (77 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 74 |  |  |  | 74 |
Ending balance |  | $ | 1,352 |  |  | $ | 273 |  |  | $ | 430 |  |  | $ | 2,070 |  |  | $ | 886 |  |  | $ | 536 |  |  | $ | 1,019 |  |  | $ | 6,566 |
Changes in Allowance for Loan Losses for the nine-months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,174 |  |  | $ | 234 |  |  | $ | 403 |  |  | $ | 1,884 |  |  | $ | 873 |  |  | $ | 527 |  |  | $ | 988 |  |  | $ | 6,083 |
Provisions for loan losses |  |  | 169 |  |  |  | 39 |  |  |  | 27 |  |  |  | 186 |  |  |  | 13 |  |  |  | 7 |  |  |  | 109 |  |  |  | 550 |
Charge-offs |  |  | (1 | ) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (9 | ) |  |  | - |  |  |  | (277 | ) |  |  | (287 | )
Recoveries |  |  | 10 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 9 |  |  |  | 2 |  |  |  | 199 |  |  |  | 220 |
Ending balance |  | $ | 1,352 |  |  | $ | 273 |  |  | $ | 430 |  |  | $ | 2,070 |  |  | $ | 886 |  |  | $ | 536 |  |  | $ | 1,019 |  |  | $ | 6,566 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |
Impaired Financing Receivables [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  | Three Months Ended |  |  | Nine Months Ended |
|  | At September 30, 2022 |  |  | September 30, 2022 |  |  | September 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 |  | $ | 894 |  |  | $ | 1,053 |  |  | $ | - |  |  | $ | 891 |  |  | $ | 2 |  |  | $ | 903 |  |  | $ | 9 |
Land |  |  | 51 |  |  |  | 51 |  |  |  | - |  |  |  | 51 |  |  |  | - |  |  |  | 76 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 566 |  |  |  | 585 |  |  |  | - |  |  |  | 573 |  |  |  | 6 |  |  |  | 612 |  |  |  | 20 |
Commercial business |  |  | 147 |  |  |  | 147 |  |  |  | - |  |  |  | 153 |  |  |  | 2 |  |  |  | 162 |  |  |  | 7 |
Home equity and second mortgage |  |  | 315 |  |  |  | 331 |  |  |  | - |  |  |  | 193 |  |  |  | - |  |  |  | 100 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 1,973 |  |  |  | 2,167 |  |  |  | - |  |  |  | 1,861 |  |  |  | 10 |  |  |  | 1,853 |  |  |  | 36 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 15 |  |  |  | - |  |  |  | 14 |  |  |  | - |
Land |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 142 |  |  |  | - |  |  |  | 215 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | - |  |  |  | - |  |  |  | - |  |  |  | 157 |  |  |  | - |  |  |  | 229 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 894 |  |  |  | 1,053 |  |  |  | - |  |  |  | 906 |  |  |  | 2 |  |  |  | 917 |  |  |  | 9 |
Land |  |  | 51 |  |  |  | 51 |  |  |  | - |  |  |  | 51 |  |  |  | - |  |  |  | 76 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 566 |  |  |  | 585 |  |  |  | - |  |  |  | 573 |  |  |  | 6 |  |  |  | 612 |  |  |  | 20 |
Commercial business |  |  | 147 |  |  |  | 147 |  |  |  | - |  |  |  | 153 |  |  |  | 2 |  |  |  | 162 |  |  |  | 7 |
Home equity and second mortgage |  |  | 315 |  |  |  | 331 |  |  |  | - |  |  |  | 335 |  |  |  | - |  |  |  | 315 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 1,973 |  |  | $ | 2,167 |  |  | $ | - |  |  | $ | 2,018 |  |  | $ | 10 |  |  | $ | 2,082 |  |  | $ | 36 |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, 2021 |  |  | September 30, 2021 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Loans with no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,503 |  |  | $ | 6 |  |  | $ | 1,653 |  |  | $ | 18 |
Land |  |  | 100 |  |  |  | - |  |  |  | 99 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 730 |  |  |  | 8 |  |  |  | 750 |  |  |  | 26 |
Commercial business |  |  | 186 |  |  |  | 2 |  |  |  | 196 |  |  |  | 6 |
Home equity/2nd mortgage |  |  | 63 |  |  |  | - |  |  |  | 136 |  |  |  | 1 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 2,582 |  |  |  | 16 |  |  |  | 2,834 |  |  |  | 51 |
Loans with an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Land |  |  | 26 |  |  |  | - |  |  |  | 13 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity/2nd mortgage |  |  | 289 |  |  |  | - |  |  |  | 217 |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  |  | 315 |  |  |  | - |  |  |  | 230 |  |  |  | - |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 1,503 |  |  |  | 6 |  |  |  | 1,653 |  |  |  | 18 |
Land |  |  | 126 |  |  |  | - |  |  |  | 112 |  |  |  | - |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 730 |  |  |  | 8 |  |  |  | 750 |  |  |  | 26 |
Commercial business |  |  | 186 |  |  |  | 2 |  |  |  | 196 |  |  |  | 6 |
Home equity/2nd mortgage |  |  | 352 |  |  |  | - |  |  |  | 353 |  |  |  | 1 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 2,897 |  |  | $ | 16 |  |  | $ | 3,064 |  |  | $ | 51 |
|  |  |  |  |  | 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] |
|  | September 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 |  | $ | 783 |  |  | $ | - |  |  | $ | 783 |  |  | $ | 806 |  |  | $ | - |  |  | $ | 806 |
Land |  |  | 51 |  |  |  | - |  |  |  | 51 |  |  |  | 102 |  |  |  | - |  |  |  | 102 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate |  |  | 93 |  |  |  | - |  |  |  | 93 |  |  |  | 115 |  |  |  | - |  |  |  | 115 |
Commercial business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Home equity and second mortgage |  |  | 315 |  |  |  | - |  |  |  | 315 |  |  |  | 304 |  |  |  | - |  |  |  | 304 |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | 3 |
Total |  | $ | 1,242 |  |  | $ | - |  |  | $ | 1,242 |  |  | $ | 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 |  | $ | 1,932 |  |  | $ | 229 |  |  | $ | 449 |  |  | $ | 2,610 |  |  | $ | 151,320 |  |  | $ | 289 |  |  | $ | 154,219 |
Land |  |  | 109 |  |  |  | - |  |  |  | 51 |  |  |  | 160 |  |  |  | 22,329 |  |  |  | - |  |  |  | 22,489 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 32,253 |  |  |  | - |  |  |  | 32,253 |
Commercial real estate |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | 1 |  |  |  | 161,497 |  |  |  | 5 |  |  |  | 161,503 |
Commercial business |  |  | 197 |  |  |  | 185 |  |  |  | - |  |  |  | 382 |  |  |  | 54,495 |  |  |  | - |  |  |  | 54,877 |
Home equity and second mortgage |  |  | 614 |  |  |  | - |  |  |  | 35 |  |  |  | 649 |  |  |  | 59,411 |  |  |  | - |  |  |  | 60,060 |
Other consumer |  |  | 150 |  |  |  | 49 |  |  |  | - |  |  |  | 199 |  |  |  | 64,096 |  |  |  | - |  |  |  | 64,295 |
Total |  | $ | 3,003 |  |  | $ | 463 |  |  | $ | 535 |  |  | $ | 4,001 |  |  | $ | 545,401 |  |  | $ | 294 |  |  | $ | 549,696 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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) |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 152,872 |  |  | $ | 22,318 |  |  | $ | 32,253 |  |  | $ | 159,321 |  |  | $ | 54,238 |  |  | $ | 59,745 |  |  | $ | 64,295 |  |  | $ | 545,042 |
Special Mention |  |  | - |  |  |  | 60 |  |  |  | - |  |  |  | 920 |  |  |  | 460 |  |  |  | - |  |  |  | - |  |  |  | 1,440 |
Substandard |  |  | 564 |  |  |  | 60 |  |  |  | - |  |  |  | 1,169 |  |  |  | 179 |  |  |  | - |  |  |  | - |  |  |  | 1,972 |
Doubtful |  |  | 783 |  |  |  | 51 |  |  |  | - |  |  |  | 93 |  |  |  | - |  |  |  | 315 |  |  |  | - |  |  |  | 1,242 |
Loss |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 154,219 |  |  | $ | 22,489 |  |  | $ | 32,253 |  |  | $ | 161,503 |  |  | $ | 54,877 |  |  | $ | 60,060 |  |  | $ | 64,295 |  |  | $ | 549,696 |
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] |
|  | September 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 |  | $ | 109 |  |  | $ | 16 |  |  | $ | 125 |  |  | $ | - |  |  | $ | 216 |  |  | $ | - |  |  | $ | 216 |  |  | $ | - |
Commercial real estate |  |  | 472 |  |  |  | - |  |  |  | 472 |  |  |  | - |  |  |  | 585 |  |  |  | - |  |  |  | 585 |  |  |  | - |
Commercial business |  |  | 147 |  |  |  | - |  |  |  | 147 |  |  |  | - |  |  |  | 174 |  |  |  | - |  |  |  | 174 |  |  |  | - |
Home equity and second mortgage |  |  | - |  |  |  | 280 |  |  |  | 280 |  |  |  | - |  |  |  | - |  |  |  | 287 |  |  |  | 287 |  |  |  | 7 |
Total |  | $ | 728 |  |  | $ | 296 |  |  | $ | 1,024 |  |  | $ | - |  |  | $ | 975 |  |  | $ | 287 |  |  | $ | 1,262 |  |  | $ | 7 |
Schedule of Purchased Credit Impaired Loans [Table Text Block] |
|  | September 30, |  |  | December 31, |
(In thousands) |  | 2022 |  |  | 2021 |
Residential real estate |  | $ | 289 |  |  | $ | 270 |
Commercial real estate |  |  | 5 |  |  |  | 11 |
Carrying amount |  |  | 294 |  |  |  | 281 |
Allowance for loan losses |  |  | - |  |  |  | 31 |
Carrying amount, net of allowance |  | $ | 294 |  |  | $ | 250 |
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 |  | $ | 153,659 |  |  | $ | 22,377 |  |  | $ | 32,196 |  |  | $ | 161,296 |  |  | $ | 54,760 |  |  | $ | 58,596 |  |  | $ | 64,075 |  |  | $ | 546,959 |
Accrued interest receivable |  |  | 453 |  |  |  | 98 |  |  |  | 66 |  |  |  | 299 |  |  |  | 129 |  |  |  | 272 |  |  |  | 220 |  |  |  | 1,537 |
Net deferred loan origination fees and costs |  |  | 107 |  |  |  | 14 |  |  |  | (9 | ) |  |  | (92 | ) |  |  | (12 | ) |  |  | 1,192 |  |  |  | - |  |  |  | 1,200 |
Recorded investment in loans |  | $ | 154,219 |  |  | $ | 22,489 |  |  | $ | 32,253 |  |  | $ | 161,503 |  |  | $ | 54,877 |  |  | $ | 60,060 |  |  | $ | 64,295 |  |  | $ | 549,696 |
Recorded Investment in Loans as Evaluated for Impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 894 |  |  | $ | 51 |  |  | $ | - |  |  | $ | 566 |  |  | $ | 147 |  |  | $ | 315 |  |  | $ | - |  |  | $ | 1,973 |
Collectively evaluated for impairment |  |  | 153,036 |  |  |  | 22,438 |  |  |  | 32,253 |  |  |  | 160,932 |  |  |  | 54,730 |  |  |  | 59,745 |  |  |  | 64,295 |  |  |  | 547,429 |
Acquired with deteriorated credit quality |  |  | 289 |  |  |  | - |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 294 |
Ending balance |  | $ | 154,219 |  |  | $ | 22,489 |  |  | $ | 32,253 |  |  | $ | 161,503 |  |  | $ | 54,877 |  |  | $ | 60,060 |  |  | $ | 64,295 |  |  | $ | 549,696 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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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