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Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | Dec. 31, 2019
--- | --- | --- | --- | ---
Loans | $ 608,091 | $ 514,766 |  |
Less undisbursed portion of loans in process | (44,574) | (26,520) |  |
Principal loan balance | 563,517 | 488,246 |  |
Deferred loan origination fees and costs, net | 1,213 | 1,124 |  |
Allowance for loan losses | (6,772) | (6,083) | $ (6,625) | $ (5,061)
Loans, net | 557,958 | 483,287 |  |
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] |  |  |  |
Loans | 155,334 | 130,603 |  |
Allowance for loan losses | (1,383) | (1,174) | (1,239) | (867)
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] |  |  |  |
Loans | 21,860 | 19,478 |  |
Principal loan balance | 21,860 | 19,478 |  |
Allowance for loan losses | (265) | (234) | (209) | (163)
Real Estate Mortgage Portfolio Segment [Member] | Residential Construction [Member] |  |  |  |
Loans | 86,845 | 59,959 |  |
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Construction [Member] |  |  |  |
Loans | 161,425 | 137,915 |  |
Commercial Portfolio Segment [Member] |  |  |  |
Loans | 60,817 | 51,787 |  |
Principal loan balance | 60,817 | 51,787 |  |
Allowance for loan losses | (1,046) | (873) | (843) | (595)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |
Loans | 57,781 | 54,453 |  |
Principal loan balance | 57,781 | 54,453 |  |
Allowance for loan losses | (530) | (527) | (617) | (515)
Consumer Portfolio Segment [Member] | Automobile Loan [Member] |  |  |  |
Loans | 48,184 | 43,946 |  |
Consumer Portfolio Segment [Member] | Loans Secured by Deposits [Member] |  |  |  |
Loans | 627 | 827 |  |
Consumer Portfolio Segment [Member] | Unsecured Loan [Member] |  |  |  |
Loans | 2,245 | 2,219 |  |
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member] |  |  |  |
Loans | 12,973 | 13,579 |  |
Principal loan balance | $ 64,029 | $ 60,571 |  |
Allowance for loan losses |  |  | $ (1,067) | $ (948)

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