Annual report pursuant to Section 13 and 15(d)

Note 4 - Loans Receivable - Credit Quality Indicators (Details)

v3.24.1
Note 4 - Loans Receivable - Credit Quality Indicators (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2023
Dec. 31, 2022
Total Loans Receivable, current year $ 148,105  
Total Loans Receivable, year one 323,820  
Total Loans Receivable, year tow 321,183  
Total Loans Receivable, year three 234,861  
Total Loans Receivable, year four 108,683  
Total Loans Receivable, prior 274,027  
Total Loans Receivable, revolving 94,893  
Total Loans Receivable, revolving converted to term 3,183  
Total Loans Receivable 1,508,755 $ 1,508,571
Total current period gross charge-off, current year (95)  
Total current period gross charge-off, year one (150)  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three (367)  
Total current period gross charge-off, year four (50)  
Total current period gross charge-off, prior (1,882)  
Total current period gross charge-off, revolving (27)  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total (2,571) (608)
Loans Receivable 1,508,755 1,508,571
Pass [Member]    
Total Loans Receivable   1,473,972
Loans Receivable   1,473,972
Special Mention [Member]    
Total Loans Receivable   11,586
Loans Receivable   11,586
Substandard [Member]    
Total Loans Receivable   23,013
Loans Receivable   23,013
Residential Portfolio Segment [Member]    
Total Loans Receivable, current year 21,145  
Total Loans Receivable, year one 98,457  
Total Loans Receivable, year tow 107,403  
Total Loans Receivable, year three 115,645  
Total Loans Receivable, year four 24,521  
Total Loans Receivable, prior 116,061  
Total Loans Receivable, revolving 1,716  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 484,948 484,595
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one (40)  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three (25)  
Total current period gross charge-off, year four (39)  
Total current period gross charge-off, prior (893)  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total (997) (29)
Loans Receivable 484,948 484,595
Residential Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 20,740  
Total Loans Receivable, year one 97,671  
Total Loans Receivable, year tow 106,778  
Total Loans Receivable, year three 115,001  
Total Loans Receivable, year four 23,873  
Total Loans Receivable, prior 113,987  
Total Loans Receivable, revolving 1,716  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 479,766 477,222
Loans Receivable 479,766 477,222
Residential Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 405  
Total Loans Receivable, year one 0  
Total Loans Receivable, year tow 473  
Total Loans Receivable, year three 173  
Total Loans Receivable, year four 431  
Total Loans Receivable, prior 1,602  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 3,084 1,338
Loans Receivable 3,084 1,338
Residential Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 786  
Total Loans Receivable, year tow 152  
Total Loans Receivable, year three 471  
Total Loans Receivable, year four 217  
Total Loans Receivable, prior 472  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 2,098 6,035
Loans Receivable 2,098 6,035
Home Equity Portfolio Segment [Member]    
Total Loans Receivable, current year 110  
Total Loans Receivable, year one 275  
Total Loans Receivable, year tow 101  
Total Loans Receivable, year three 14  
Total Loans Receivable, year four 65  
Total Loans Receivable, prior 2,149  
Total Loans Receivable, revolving 43,122  
Total Loans Receivable, revolving converted to term 763  
Total Loans Receivable 46,599 38,978
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior (16)  
Total current period gross charge-off, revolving (27)  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total (43) 0
Loans Receivable 46,599 38,978
Home Equity Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 110  
Total Loans Receivable, year one 114  
Total Loans Receivable, year tow 101  
Total Loans Receivable, year three 14  
Total Loans Receivable, year four 61  
Total Loans Receivable, prior 2,051  
Total Loans Receivable, revolving 42,801  
Total Loans Receivable, revolving converted to term 700  
Total Loans Receivable 45,952 37,981
Loans Receivable 45,952 37,981
Home Equity Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 0  
Total Loans Receivable, year tow 0  
Total Loans Receivable, year three 0  
Total Loans Receivable, year four 4  
Total Loans Receivable, prior 31  
Total Loans Receivable, revolving 70  
Total Loans Receivable, revolving converted to term 63  
Total Loans Receivable 168 385
Loans Receivable 168 385
Home Equity Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 161  
Total Loans Receivable, year tow 0  
Total Loans Receivable, year three 0  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 67  
Total Loans Receivable, revolving 251  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 479 612
Loans Receivable 479 612
Commercial Real Estate Portfolio Segment [Member]    
Total Loans Receivable, current year 52,880  
Total Loans Receivable, year one 127,676  
Total Loans Receivable, year tow 92,537  
Total Loans Receivable, year three 56,740  
Total Loans Receivable, year four 57,378  
Total Loans Receivable, prior 113,200  
Total Loans Receivable, revolving 2,791  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 503,202 486,431
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior (372)  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total (372) (431)
Loans Receivable 503,202 486,431
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 52,880  
Total Loans Receivable, year one 127,607  
Total Loans Receivable, year tow 90,108  
Total Loans Receivable, year three 55,236  
Total Loans Receivable, year four 56,255  
Total Loans Receivable, prior 108,489  
Total Loans Receivable, revolving 2,649  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 493,224 474,055
Loans Receivable 493,224 474,055
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 69  
Total Loans Receivable, year tow 2,429  
Total Loans Receivable, year three 1,274  
Total Loans Receivable, year four 1,123  
Total Loans Receivable, prior 2,397  
Total Loans Receivable, revolving 142  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 7,434 4,955
Loans Receivable 7,434 4,955
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 0  
Total Loans Receivable, year tow 0  
Total Loans Receivable, year three 230  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 2,314  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 2,544 7,421
Loans Receivable 2,544 7,421
Construction and Land Development Portfolio Segment [Member]    
Total Loans Receivable, current year 48,883  
Total Loans Receivable, year one 25,024  
Total Loans Receivable, year tow 17,616  
Total Loans Receivable, year three 3,988  
Total Loans Receivable, year four 4,284  
Total Loans Receivable, prior 473  
Total Loans Receivable, revolving 12,539  
Total Loans Receivable, revolving converted to term 2,420  
Total Loans Receivable 115,227 108,926
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior 0  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total 0 0
Loans Receivable 115,227 108,926
Construction and Land Development Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 48,518  
Total Loans Receivable, year one 24,948  
Total Loans Receivable, year tow 13,411  
Total Loans Receivable, year three 1,732  
Total Loans Receivable, year four 4,284  
Total Loans Receivable, prior 473  
Total Loans Receivable, revolving 12,539  
Total Loans Receivable, revolving converted to term 2,420  
Total Loans Receivable 108,325 106,580
Loans Receivable 108,325 106,580
Construction and Land Development Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 365  
Total Loans Receivable, year one 76  
Total Loans Receivable, year tow 4,205  
Total Loans Receivable, year three 2,256  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 0  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 6,902 2,346
Loans Receivable 6,902 2,346
Construction and Land Development Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 0  
Total Loans Receivable, year tow 1,666  
Total Loans Receivable, year three 1,562  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 1,017  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 4,245 0
Loans Receivable 4,245 0
Multifamily Portfolio Segment [Member]    
Total Loans Receivable, current year 9,333  
Total Loans Receivable, year one 53,493  
Total Loans Receivable, year tow 79,788  
Total Loans Receivable, year three 43,335  
Total Loans Receivable, year four 13,156  
Total Loans Receivable, prior 20,626  
Total Loans Receivable, revolving 186  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 219,917 251,014
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior 0  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total 0 0
Loans Receivable 219,917 251,014
Multifamily Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 9,333  
Total Loans Receivable, year one 53,493  
Total Loans Receivable, year tow 78,122  
Total Loans Receivable, year three 41,773  
Total Loans Receivable, year four 13,156  
Total Loans Receivable, prior 19,609  
Total Loans Receivable, revolving 186  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 215,672 242,091
Loans Receivable 215,672 242,091
Multifamily Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable, current year 373  
Total Loans Receivable, year one 197  
Total Loans Receivable, year tow 58  
Total Loans Receivable, year three 0  
Total Loans Receivable, year four 129  
Total Loans Receivable, prior 436  
Total Loans Receivable, revolving 417  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 1,610 1,859
Loans Receivable 1,610 1,859
Multifamily Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 43  
Total Loans Receivable, year one 1,094  
Total Loans Receivable, year tow 256  
Total Loans Receivable, year three 214  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 1,121  
Total Loans Receivable, revolving 168  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 2,896 7,064
Loans Receivable 2,896 7,064
Commercial Portfolio Segment [Member]    
Total Loans Receivable, current year 13,526  
Total Loans Receivable, year one 15,065  
Total Loans Receivable, year tow 9,641  
Total Loans Receivable, year three 5,919  
Total Loans Receivable, year four 4,234  
Total Loans Receivable, prior 14,462  
Total Loans Receivable, revolving 34,539  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 97,386 93,278
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one (110)  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three (342)  
Total current period gross charge-off, year four (11)  
Total current period gross charge-off, prior (601)  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total (1,064) (57)
Loans Receivable 97,386 93,278
Commercial Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 13,110  
Total Loans Receivable, year one 13,774  
Total Loans Receivable, year tow 9,327  
Total Loans Receivable, year three 5,705  
Total Loans Receivable, year four 4,105  
Total Loans Receivable, prior 12,905  
Total Loans Receivable, revolving 33,954  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 92,880 90,694
Loans Receivable 92,880 90,694
Commercial Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable   703
Loans Receivable   703
Commercial Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 0  
Total Loans Receivable, year tow 0  
Total Loans Receivable, year three 2  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 0  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 2 1,881
Loans Receivable 2 1,881
Consumer Portfolio Segment [Member]    
Total Loans Receivable, current year 338  
Total Loans Receivable, year one 73  
Total Loans Receivable, year tow 108  
Total Loans Receivable, year three 6  
Total Loans Receivable, year four 14  
Total Loans Receivable, prior 71  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 610 918
Total current period gross charge-off, current year (95)  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior 0  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total (95) (91)
Loans Receivable 610 918
Consumer Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 338  
Total Loans Receivable, year one 73  
Total Loans Receivable, year tow 108  
Total Loans Receivable, year three 4  
Total Loans Receivable, year four 14  
Total Loans Receivable, prior 71  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 608 918
Loans Receivable 608 918
Consumer Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable   0
Loans Receivable   0
Consumer Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable   0
Loans Receivable   0
Manufactured Homes Portfolio Segment [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 1,942  
Total Loans Receivable, year tow 12,556  
Total Loans Receivable, year three 9,214  
Total Loans Receivable, year four 5,031  
Total Loans Receivable, prior 2,102  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 30,845 34,882
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior 0  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total 0 0
Loans Receivable 30,845 34,882
Manufactured Homes Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 0  
Total Loans Receivable, year one 1,942  
Total Loans Receivable, year tow 12,556  
Total Loans Receivable, year three 9,214  
Total Loans Receivable, year four 5,031  
Total Loans Receivable, prior 2,102  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 30,845 34,882
Loans Receivable 30,845 34,882
Manufactured Homes Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable   0
Loans Receivable   0
Manufactured Homes Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable   0
Loans Receivable   0
Government Portfolio Segment [Member]    
Total Loans Receivable, current year 1,890  
Total Loans Receivable, year one 1,815  
Total Loans Receivable, year tow 1,433  
Total Loans Receivable, year three 0  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 4,883  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 10,021 9,549
Total current period gross charge-off, current year 0  
Total current period gross charge-off, year one 0  
Total current period gross charge-off, year two 0  
Total current period gross charge-off, year three 0  
Total current period gross charge-off, year four 0  
Total current period gross charge-off, prior 0  
Total current period gross charge-off, revolving 0  
Total current period gross charge-off, revolving converted to term 0  
Total current period gross charge-off, total 0 0
Loans Receivable 10,021 9,549
Government Portfolio Segment [Member] | Pass [Member]    
Total Loans Receivable, current year 1,890  
Total Loans Receivable, year one 1,815  
Total Loans Receivable, year tow 1,433  
Total Loans Receivable, year three 0  
Total Loans Receivable, year four 0  
Total Loans Receivable, prior 4,883  
Total Loans Receivable, revolving 0  
Total Loans Receivable, revolving converted to term 0  
Total Loans Receivable 10,021 9,549
Loans Receivable $ 10,021 9,549
Government Portfolio Segment [Member] | Special Mention [Member]    
Total Loans Receivable   0
Loans Receivable   0
Government Portfolio Segment [Member] | Substandard [Member]    
Total Loans Receivable   0
Loans Receivable   $ 0