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v3.23.3

Note 4 - Loans Receivable - Activity in the Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022
Beginning balance | $ 9,226 | $ 7,202 | $ 8,129 | $ 6,715
Provision for credit losses - loans | 180 | 350 | 85 | 1,085
Loans charged off | (903) | (191) | (1,649) | (472)
Recoveries | 56 | 25 | 87 | 58
Total ending allowance balance | 8,559 | 7,386 | 8,559 | 7,386
Accounting Standards Update 2016-13 [Member] |  |  |  |
Beginning balance |  |  | 8,129 |
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |
Beginning balance |  |  | 1,907 |
Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |
Beginning balance |  |  | 10,036 |
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] |  |  |  |
Beginning balance | 326 | 286 | 281 | 331
Provision for credit losses - loans | (62) | 98 | (128) | 53
Loans charged off | 0 | (71) | 0 | (76)
Recoveries | 32 | 2 | 44 | 7
Total ending allowance balance | 296 | 315 | 296 | 315
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] |  |  |  |
Beginning balance |  |  | 281 |
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |
Beginning balance |  |  | 99 |
Real Estate Portfolio [Member] | One-to-Four Family Residential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |
Beginning balance |  |  | 380 |
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] |  |  |  |
Beginning balance | 4,679 | 3,632 | 4,017 | 3,377
Provision for credit losses - loans | (136) | (72) | (115) | 174
Loans charged off | 0 | 0 | 0 | 0
Recoveries | 4 | 6 | 15 | 15
Total ending allowance balance | 4,547 | 3,566 | 4,547 | 3,566
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Accounting Standards Update 2016-13 [Member] |  |  |  |
Beginning balance |  |  | 4,017 |
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |
Beginning balance |  |  | 630 |
Real Estate Portfolio [Member] | Multi-family Mortgage [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |
Beginning balance |  |  | 4,647 |
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] |  |  |  |
Beginning balance | 1,245 | 1,093 | 1,234 | 1,311
Provision for credit losses - loans | (95) | 67 | (150) | 39
Loans charged off | 0 | 0 | 0 | (192)
Recoveries | 0 | 2 | 0 | 4
Total ending allowance balance | 1,150 | 1,162 | 1,150 | 1,162
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] |  |  |  |
Beginning balance |  |  | 1,234 |
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |
Beginning balance |  |  | 66 |
Real Estate Portfolio [Member] | Nonresidential Real Estate [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |
Beginning balance |  |  | 1,300 |
Commercial Portfolio Segment [Member] |  |  |  |
Beginning balance | 2,943 | 2,149 | 2,548 | 1,652
Provision for credit losses - loans | 461 | 171 | 444 | 718
Loans charged off | (889) | (104) | (1,606) | (155)
Recoveries | 20 | 15 | 27 | 16
Total ending allowance balance | 2,535 | 2,231 | 2,535 | 2,231
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |  |
Beginning balance |  |  | 2,548 |
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |
Beginning balance |  |  | 1,122 |
Commercial Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |
Beginning balance |  |  | 3,670 |
Consumer Portfolio Segment [Member] |  |  |  |
Beginning balance | 33 | 42 | 49 | 44
Provision for credit losses - loans | 12 | 86 | 34 | 101
Loans charged off | (14) | (16) | (43) | (49)
Recoveries | 0 | 0 | 1 | 16
Total ending allowance balance | $ 31 | $ 112 | 31 | $ 112
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] |  |  |  |
Beginning balance |  |  | 49 |
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |
Beginning balance |  |  | (10) |
Consumer Portfolio Segment [Member] | Accounting Standards Update 2016-13 [Member] | Cumulative Effect, Period of Adoption, Adjusted Balance [Member] |  |  |  |
Beginning balance |  |  | $ 39 |

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