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v3.23.3

Note 4 - Loans and Allowance for Loan Losses - Loans (Details) - USD ($) $ in Thousands | Sep. 30, 2023 | Jun. 30, 2023 | Dec. 31, 2022 | Sep. 30, 2022 | Jun. 30, 2022 | Dec. 31, 2021
--- | --- | --- | --- | --- | --- | ---
Principal loan balance | $ 608,925 |  | $ 563,517 |  |  |
Deferred loan origination fees and costs, net | 1,180 |  | 1,213 | $ 1,200 |  |
Allowance for credit losses | (7,786) | $ (7,515) | (6,772) | (6,566) | $ (6,394) | $ (6,083)
Loans, net | 602,319 |  | 557,958 |  |  |
Residential Portfolio Segment [Member] | One-to-four Family Loan [Member] |  |  |  |  |  |
Principal loan balance | 132,662 |  | 116,269 |  |  |
Deferred loan origination fees and costs, net | 124 |  |  |  |  |
Allowance for credit losses | (1,545) | (1,469) |  |  |  |
Residential Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |  |
Principal loan balance | 59,815 |  | 57,872 |  |  |
Residential Portfolio Segment [Member] | Multifamily [Member] |  |  |  |  |  |
Principal loan balance | 40,168 |  | 38,973 |  |  |
Deferred loan origination fees and costs, net | (16) |  |  |  |  |
Allowance for credit losses | (502) | (614) |  |  |  |
Construction [Member] |  |  |  |  |  |
Allowance for credit losses | (647) |  |  |  |  |
Construction [Member] | One-to-four Family Residential Construction [Member] |  |  |  |  |  |
Principal loan balance | 15,936 |  | 16,575 |  |  |
Deferred loan origination fees and costs, net | 0 |  |  |  |  |
Allowance for credit losses | (178) | (171) |  |  |  |
Construction [Member] | Other Construction, Development and Land [Member] |  |  |  |  |  |
Principal loan balance | 66,629 |  | 47,632 |  |  |
Deferred loan origination fees and costs, net | (40) |  |  |  |  |
Allowance for credit losses | (647) | (460) |  |  |  |
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Loan [Member] |  |  |  |  |  |
Principal loan balance | 171,151 |  | 161,362 |  |  |
Deferred loan origination fees and costs, net | (114) |  |  |  |  |
Consumer Portfolio Segment [Member] | Home Equity and Second Mortgage [Member] |  |  |  |  |  |
Deferred loan origination fees and costs, net | 1,237 |  | 1,204 | 1,192 |  |
Allowance for credit losses | (381) | (363) | (530) | (536) | $ (533) | $ (527)
Consumer Portfolio Segment [Member] | Commercial Business [Member] |  |  |  |  |  |
Principal loan balance | 65,905 |  | 68,066 |  |  |
Consumer Portfolio Segment [Member] | All Other Consumer Excluding Home Equity and Second Mortgage [Member] |  |  |  |  |  |
Principal loan balance | 56,659 |  | 56,768 |  |  |
Allowance for credit losses | $ (1,081) | $ (858) | $ (991) | $ (1,019) |  |

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