XML 49 R39.htm IDEA: XBRL DOCUMENT v3.23.2
Note 4 - Loans and Allowance for Loan Losses - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2023
Jun. 30, 2022
Jun. 30, 2023
Jun. 30, 2022
Dec. 31, 2022
Beginning balance $ 7,323 $ 6,245 $ 6,772 $ 6,083  
Provision for credit losses 350 200 543 375  
Charge-offs (235) (136) (510) (210)  
Recoveries 77 85 149 146  
Ending balance 7,515 6,394 7,515 6,394  
Individually evaluated for impairment   3   3 $ 155
Collectively evaluated for impairment   6,381   6,381 6,617
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 7,515 6,394 7,515 6,394 6,772
Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance 0 10 0 10  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 0 10 0 10 0
Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     561    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         561
Prior to Adoption of Asc 326 [Member]          
Beginning balance     6,772    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         6,772
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member]          
Beginning balance 1,414        
Provision for credit losses 69   26    
Charge-offs (29)   (31)    
Recoveries 15   15    
Ending balance 1,469   1,469    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 1,469   1,469    
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     423    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         423
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     1,036    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         1,036
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]          
Charge-offs     (9)    
Residential Portfolio Segment [Member] | Multifamily [Member]          
Beginning balance 381        
Provision for credit losses 233   271    
Charge-offs 0   0    
Recoveries 0   0    
Ending balance 614   614    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 614   614    
Residential Portfolio Segment [Member] | Multifamily [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     (3)    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         (3)
Residential Portfolio Segment [Member] | Multifamily [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     346    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         346
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member]          
Beginning balance 366 517 530 527  
Provision for credit losses 6 14 (133) 4  
Charge-offs (9) 0 (9) 0  
Recoveries 0 2 0 2  
Ending balance 363 533 363 533  
Individually evaluated for impairment   1   1 0
Collectively evaluated for impairment   532   532 530
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 363 533 363 533 530
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance   0   0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   0   0 0
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     (26)    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         (26)
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     531    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         531
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member]          
Beginning balance 1,212   991    
Provision for credit losses (249)   (302)    
Charge-offs (164)   (282)    
Recoveries 59   126    
Ending balance 858 980 858 980  
Individually evaluated for impairment   0   0 0
Collectively evaluated for impairment   980   980 991
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 858 980 858 980 991
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance   0   0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   0   0 0
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     435    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         435
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     881    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         881
Consumer Portfolio Segment [Member] | Other Consumer Loan [Member]          
Beginning balance   957   988  
Provision for credit losses   81   68  
Charge-offs   (127) (282) (201)  
Recoveries   69   125  
Ending balance   980   980  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   980   980  
Construction [Member] | One-to-four Family Residential Construction [Member]          
Beginning balance 187        
Provision for credit losses (16)   (26)    
Charge-offs 0   0    
Recoveries 0   0    
Ending balance 171   171    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 171   171    
Construction [Member] | One-to-four Family Residential Construction [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     (9)    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         (9)
Construction [Member] | One-to-four Family Residential Construction [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     206    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         206
Construction [Member] | Other Construction, Development and Land [Member]          
Beginning balance 489        
Provision for credit losses (29)   (140)    
Charge-offs 0   0    
Recoveries 0   0    
Ending balance 460   460    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 460   460    
Construction [Member] | Other Construction, Development and Land [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     13    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         13
Construction [Member] | Other Construction, Development and Land [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     587    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         587
Commercial Portfolio Segment [Member]          
Beginning balance   994 1,046 873  
Provision for credit losses   (106)   15  
Charge-offs   (9)   (9)  
Recoveries   9   9  
Ending balance   888   888  
Individually evaluated for impairment   0   0 155
Collectively evaluated for impairment   888   888 891
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   888   888 1,046
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance   0   0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   0   0 0
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member]          
Beginning balance 2,190        
Provision for credit losses (174)   117    
Charge-offs 0   0    
Recoveries 0   0    
Ending balance 2,016   2,016    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest 2,016   2,016    
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     (130)    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         (130)
Commercial Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     2,029    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         2,029
Commercial Portfolio Segment [Member] | Commercial Business [Member]          
Beginning balance 1,084        
Provision for credit losses 510   730    
Charge-offs (33)   (188)    
Recoveries 3   8    
Ending balance 1,564   1,564    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest $ 1,564   1,564    
Commercial Portfolio Segment [Member] | Commercial Business [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] | Accounting Standards Update 2016-13 [Member]          
Beginning balance     (142)    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         (142)
Commercial Portfolio Segment [Member] | Commercial Business [Member] | Prior to Adoption of Asc 326 [Member]          
Beginning balance     1,156    
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest         1,156
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member]          
Beginning balance   1,927 2,031 1,884  
Provision for credit losses   64   107  
Charge-offs   0   0  
Recoveries   0   0  
Ending balance   1,991   1,991  
Individually evaluated for impairment   0   0 0
Collectively evaluated for impairment   1,991   1,991 2,031
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   1,991   1,991 2,031
Real Estate Mortgage Portfolio Segment [Member] | Commercial Real Estate Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance   0   0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   0   0 0
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member]          
Beginning balance   1,228 1,383 1,174  
Provision for credit losses   32   81  
Charge-offs   0   0  
Recoveries   5   10  
Ending balance   1,265   1,265  
Individually evaluated for impairment   2   2 0
Collectively evaluated for impairment   1,253   1,253 1,383
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   1,265   1,265 1,383
Real Estate Mortgage Portfolio Segment [Member] | Residential Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance   10   10  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   10   10 0
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member]          
Beginning balance   235 265 234  
Provision for credit losses   6   7  
Charge-offs   0   0  
Recoveries   0   0  
Ending balance   241   241  
Individually evaluated for impairment   0   0 0
Collectively evaluated for impairment   241   241 265
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   241   241 265
Real Estate Mortgage Portfolio Segment [Member] | Land Loan [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     0    
Ending balance   0   0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   0   0 0
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member]          
Beginning balance   387 526 403  
Provision for credit losses   109   93  
Charge-offs   0   0  
Recoveries   0   0  
Ending balance   496   496  
Individually evaluated for impairment   0   0 0
Collectively evaluated for impairment   496   496 526
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   496   496 526
Real Estate Mortgage Portfolio Segment [Member] | Construction Loans [Member] | Financial Asset Acquired with Credit Deterioration [Member]          
Beginning balance     $ 0    
Ending balance   0   0  
Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest   $ 0   $ 0 $ 0