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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2022
Loans and Allowance for Loan Losses |
Schedule of categories of loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2022 |  | 2021
​ | ​ | (In thousands)
Commercial loans | ​ | $ | 90,548 | ​ | $ | 90,892
Commercial real estate | ​ |  | 270,312 | ​ |  | 266,777
Residential real estate | ​ |  | 94,012 | ​ |  | 90,132
Installment loans | ​ |  | 6,003 | ​ |  | 6,571
Total gross loans | ​ |  | 460,875 | ​ |  | 454,372
Less allowance for loan losses | ​ |  | (2,052) | ​ |  | (3,673)
Total loans | ​ | $ | 458,823 | ​ | $ | 450,699
​
Schedule of allowance for loan losses and recorded investment in loans | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 2022
​ | ​ | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | Commercial | ​ | Real Estate | ​ | Residential | ​ | Installment | ​ | Unallocated | ​ | Total
​ |  | (In thousands)
Allowance for loan losses: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Balance, beginning of year | ​ | $ | 1,046 | ​ | $ | 1,235 | ​ | $ | 1,121 | ​ | $ | 271 | ​ | $ | — | ​ | $ | 3,673
(Credit) Provision charged to expense | ​ |  | (842) | ​ |  | 141 | ​ |  | (303) | ​ |  | 49 | ​ |  | — | ​ |  | (955)
Losses charged off | ​ |  | (16) | ​ |  | (561) | ​ |  | (2) | ​ |  | (143) | ​ |  | — | ​ |  | (722)
Recoveries | ​ |  | 27 | ​ |  | — | ​ |  | — | ​ |  | 29 | ​ |  | — | ​ |  | 56
Balance, end of year | ​ | $ | 215 | ​ | $ | 815 | ​ | $ | 816 | ​ | $ | 206 | ​ | $ | — | ​ | $ | 2,052
Ending balance: individually evaluated for impairment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Ending balance: collectively evaluated for impairment | ​ | $ | 215 | ​ | $ | 815 | ​ | $ | 816 | ​ | $ | 206 | ​ | $ | — | ​ | $ | 2,052
Loans: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  |  | ​ |  | ​
Ending balance: individually evaluated for impairment | ​ | $ | — | ​ | $ | 123 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 123
Ending balance: collectively evaluated for impairment | ​ | $ | 90,548 | ​ | $ | 270,189 | ​ | $ | 94,012 | ​ | $ | 6,003 | ​ | $ | — | ​ | $ | 460,875
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | 2021
​ |  | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
​ | ​ | Commercial | ​ | Real Estate | ​ | Residential | ​ | Installment | ​ | Unallocated | ​ | Total
​ |  | (In thousands)
Allowance for loan losses: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Balance, beginning of year | ​ | $ | 1,397 | ​ | $ | 1,821 | ​ | $ | 1,471 | ​ | $ | 424 | ​ | $ | — | ​ | $ | 5,113
Provision charged to expense | ​ |  | (276) | ​ |  | (586) | ​ |  | (331) | ​ |  | (62) | ​ |  | — | ​ |  | (1,255)
Losses charged off | ​ |  | (78) | ​ |  | — | ​ |  | (26) | ​ |  | (126) | ​ |  | — | ​ |  | (230)
Recoveries | ​ |  | 3 | ​ |  | — | ​ |  | 7 | ​ |  | 35 | ​ |  | — | ​ |  | 45
Balance, end of year | ​ | $ | 1,046 | ​ | $ | 1,235 | ​ | $ | 1,121 | ​ | $ | 271 | ​ | $ | — | ​ | $ | 3,673
Ending balance: individually evaluated for impairment | ​ | $ | — | ​ | $ | 230 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 230
Ending balance: collectively evaluated for impairment | ​ | $ | 1,046 | ​ | $ | 1,005 | ​ | $ | 1,121 | ​ | $ | 271 | ​ | $ | — | ​ | $ | 3,443
Loans: | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  |  | ​ |  | ​
Ending balance: individually evaluated for impairment | ​ | $ | — | ​ | $ | 3,933 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 3,933
Ending balance: collectively evaluated for impairment | ​ | $ | 90,892 | ​ | $ | 262,844 | ​ | $ | 90,132 | ​ | $ | 6,571 | ​ | $ | — | ​ | $ | 450,439
​
Schedule of portfolio quality indicators | The following table shows the portfolio quality indicators as of December 31, 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Loan Class | ​ | Commercial | ​ | Real Estate | ​ | Residential | ​ | Installment | ​ | Total
​ |  | (In thousands)
Pass Grade | ​ | $ | 90,548 | ​ | $ | 262,472 | ​ | $ | 94,012 | ​ | $ | 6,003 | ​ | $ | 453,035
Special Mention | ​ |  | — | ​ |  | 4,066 | ​ | ​ | — | ​ |  | — | ​ |  | 4,066
Substandard | ​ |  | — | ​ |  | 3,774 | ​ | ​ | — | ​ |  | — | ​ |  | 3,774
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 90,548 | ​ | $ | 270,312 | ​ | $ | 94,012 | ​ | $ | 6,003 | ​ | $ | 460,875
​ The following table shows the portfolio quality indicators as of December 31, 2021: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | Commercial |  | ​ | ​ |  | ​ | ​ |  | ​ | ​
Loan Class | ​ | Commercial | ​ | Real Estate | ​ | Residential | ​ | Installment | ​ | Total
​ |  | (In thousands)
Pass Grade | ​ | $ | 90,892 | ​ | $ | 254,760 | ​ | $ | 90,132 | ​ | $ | 6,571 | ​ | $ | 442,355
Special Mention | ​ |  | — | ​ |  | 4,115 | ​ | ​ | — | ​ |  | — | ​ |  | 7,943
Substandard | ​ |  | — | ​ |  | 7,902 | ​ | ​ | — | ​ |  | — | ​ |  | 4,074
Doubtful | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 90,892 | ​ | $ | 266,777 | ​ | $ | 90,132 | ​ | $ | 6,571 | ​ | $ | 454,372
​
Schedule of loan portfolio aging analysis | The following table shows the loan portfolio aging analysis of the recorded investment in loans as of December 31, 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30‑59 Days |  | 60‑89 Days |  | Greater |  | ​ |  | ​ |  | ​ | ​ |  | ​
​ | ​ | Past | ​ | Past | ​ | Than 90 | ​ | ​ | ​ | Total Past | ​ | ​ | ​ | ​ | ​
​ |  | Due and |  | Due and |  | Days and | ​ | Non |  | Due and | ​ | ​ | ​ | ​ | Total Loans
​ |  | Accruing |  | Accruing |  | Accruing | ​ | Accrual | ​ | Non Accrual | ​ | Current | ​ | Receivable
​ |  | (In thousands)
Commercial | ​ | $ | 126 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 126 | ​ | $ | 90,422 | ​ | $ | 90,548
Commercial real estate | ​ |  | 158 | ​ |  | — | ​ |  | — | ​ |  | 9 | ​ |  | 167 | ​ |  | 270,145 | ​ |  | 270,312
Residential | ​ |  | 102 | ​ |  | 24 | ​ |  | — | ​ |  | 173 | ​ |  | 299 | ​ |  | 93,713 | ​ |  | 94,012
Installment | ​ |  | 15 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 15 | ​ |  | 5,988 | ​ |  | 6,003
Total | ​ | $ | 401 | ​ | $ | 24 | ​ | $ | — | ​ | $ | 182 | ​ | $ | 607 | ​ | $ | 460,268 | ​ | $ | 460,875
​ The following table shows the loan portfolio aging analysis of the recorded investment in loans as of December 31, 2021: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | 30‑59 Days |  | 60‑89 Days |  | Greater |  | ​ |  | ​ |  | ​ | ​ |  | ​
​ | ​ | Past | ​ | Past | ​ | Than 90 | ​ | ​ | ​ | Total Past | ​ | ​ | ​ | ​ | ​
​ |  | Due and |  | Due and |  | Days and | ​ | Non |  | Due and | ​ | ​ | ​ | ​ | Total Loans
​ |  | Accruing |  | Accruing |  | Accruing | ​ | Accrual | ​ | Non Accrual | ​ | Current | ​ | Receivable
​ |  | (In thousands)
Commercial | ​ | $ | 63 | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 63 | ​ | $ | 90,829 | ​ | $ | 90,892
Commercial real estate | ​ |  | 220 | ​ |  | — | ​ |  | — | ​ |  | 3,818 | ​ |  | 4,038 | ​ |  | 262,739 | ​ |  | 266,777
Residential | ​ |  | 22 | ​ |  | — | ​ |  | — | ​ |  | 391 | ​ |  | 413 | ​ |  | 89,719 | ​ |  | 90,132
Installment | ​ |  | 40 | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 40 | ​ |  | 6,531 | ​ |  | 6,571
Total | ​ | $ | 345 | ​ | $ | — | ​ | $ | — | ​ | $ | 4,209 | ​ | $ | 4,554 | ​ | $ | 449,818 | ​ | $ | 454,372
​
Schedule of impaired loans | The following table presents impaired loans for the year ended December 31, 2022: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ |  | ​ |  | ​ |  | Average |  | ​
​ | ​ | ​ | ​ | Unpaid | ​ | ​ | ​ | Investment in | ​ | Interest
​ | ​ | Recorded |  | Principal | ​ | Specific |  | Impaired |  | Income
​ | ​ | Balance | ​ | Balance | ​ | Allowance |  | Loans | ​ | Recognized
​ |  | (In thousands)
Loans without a specific valuation allowance: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 27 | ​ | $ | 1
Commercial real estate | ​ |  | 123 | ​ |  | 123 | ​ |  | — | ​ |  | 130 | ​ |  | 11
Real Estate | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
Installment | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 123 | ​ | $ | 123 | ​ | $ | — | ​ | $ | 157 | ​ | $ | 12
Loans with a specific valuation allowance: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial real estate | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | 3,653 | ​ |  | 40
Real Estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
​ | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 3,653 | ​ | $ | 40
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Total: | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | 27 | ​ | $ | 1
Commercial Real Estate | ​ | $ | 123 | ​ | $ | 123 | ​ | $ | — | ​ | $ | 3,783 | ​ | $ | 51
Real Estate | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Installment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​ The following table presents impaired loans for the year ended December 31, 2021: ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ |  | ​ | ​ |  | ​ | ​ |  | ​ | ​ |  | Average |  | ​ | ​
​ | ​ | ​ | ​ | Unpaid | ​ | ​ | ​ | Investment in | ​ | Interest
​ | ​ | Recorded |  | Principal | ​ | Specific |  | Impaired |  | Income
​ | ​ | Balance | ​ | Balance | ​ | Allowance |  | Loans | ​ | Recognized
​ |  | (In thousands)
Loans without a specific valuation allowance: |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial real estate | ​ |  | 128 | ​ |  | 128 | ​ |  | — | ​ |  | 128 | ​ |  | 6
Real Estate | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | — | ​ | ​ | —
Installment | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ |  | 128 | ​ |  | 128 | ​ |  | — | ​ |  | 128 | ​ |  | 6
Loans with a specific valuation allowance: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial real estate | ​ |  | 3,805 | ​ |  | 3,805 | ​ |  | 230 | ​ |  | 3,822 | ​ |  | 105
Real Estate | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | — | ​ |  | —
​ | ​ | $ | 3,805 | ​ | $ | 3,805 | ​ | $ | 230 | ​ | $ | 3,822 | ​ | $ | 105
​ | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Total: | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |  | ​ |  |
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial Real Estate | ​ | $ | 3,933 | ​ | $ | 3,933 | ​ | $ | 230 | ​ | $ | 3,950 | ​ | $ | 111
Real Estate | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Installment | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
​
Schedule of troubled debt restructurings on financing receivables | ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2022
​ |  | ​ |  | Pre-Modification |  | Post-Modification
​ | ​ | ​ | ​ | Outstanding | ​ | Outstanding
​ | ​ | Number of |  | Recorded |  | Recorded
​ | ​ | Contracts |  | Investment |  | Investment
​ |  | (In thousands)
Commercial |  | — | ​ | $ | — | ​ | $ | —
Commercial Real Estate | ​ | 1 | ​ | $ | 48 | ​ | $ | 48
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2022
​ |  | Interest |  | ​ | ​ |  | ​ | ​ |  | Total
​ | ​ | Only | ​ | Term | ​ | Combination | ​ | Modification
​ |  | (In thousands)
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial Real Estate | ​ | $ | 1 | ​ | $ | 1 | ​ | $ | — | ​ | $ | 1
​ The Company did not have any loan modifications during 2021. ​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2021
​ |  | ​ |  | Pre-Modification |  | Post-Modification
​ | ​ | ​ | ​ | Outstanding | ​ | Outstanding
​ | ​ | Number of | ​ | Recorded | ​ | Recorded
​ | ​ | Contracts | ​ | Investment | ​ | Investment
​ |  | (In thousands)
Commercial |  | — | ​ | $ | — | ​ | $ | —
Commercial Real Estate |  | — | ​ | $ | — | ​ | $ | —
​
​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​ | ​
​ | ​ | Year Ended December 31, 2021
​ |  | Interest |  | ​ | ​ |  | ​ | ​ |  | Total
​ | ​ | Only | ​ | Term | ​ | Combination | ​ | Modification
​ |  | (In thousands)
Commercial | ​ | $ | — | ​ | $ | — | ​ | $ | — | ​ | $ | —
Commercial Real Estate |  | $ | — |  | $ | — |  | $ | — |  | $ | —
​

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