Quarterly report pursuant to Section 13 or 15(d)

Note 5 - Loans Receivable - Credit Quality Indicators (Details)

v3.24.3
Note 5 - Loans Receivable - Credit Quality Indicators (Details) - USD ($)
$ in Thousands
 3 Months Ended 9 Months Ended 12 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Sep. 30, 2024
Sep. 30, 2023
Dec. 31, 2023
Total Loans Receivable, current year $ 94,784   $ 94,784   $ 148,105
Total Loans Receivable, year one 148,003   148,003   323,820
Total Loans Receivable, year tow 305,771   305,771   321,183
Total Loans Receivable, year three 313,365   313,365   234,861
Total Loans Receivable, year four 217,069   217,069   108,683
Total Loans Receivable, prior 335,469   335,469   274,027
Total Loans Receivable, revolving 90,585   90,585   94,893
Total Loans Receivable, revolving converted to term 0   0   3,183
Total Loans Receivable 1,505,047   1,505,047   1,508,755
Total current period gross charge-off, current year     (90)   (95)
Total current period gross charge-off, year one     0   (150)
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   (367)
Total current period gross charge-off, year four     0   (50)
Total current period gross charge-off, prior     (66)   (1,882)
Total current period gross charge-off, revolving     0   (27)
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total (47) $ (641) (156) $ (1,496) (2,571)
Residential Portfolio Segment [Member]          
Total Loans Receivable, current year 8,444   8,444   21,145
Total Loans Receivable, year one 30,649   30,649   98,457
Total Loans Receivable, year tow 93,564   93,564   107,403
Total Loans Receivable, year three 102,425   102,425   115,645
Total Loans Receivable, year four 106,754   106,754   24,521
Total Loans Receivable, prior 126,805   126,805   116,061
Total Loans Receivable, revolving 2,515   2,515   1,716
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 471,156   471,156   484,948
Total current period gross charge-off, current year     (28)   0
Total current period gross charge-off, year one     0   (40)
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   (25)
Total current period gross charge-off, year four     0   (39)
Total current period gross charge-off, prior     0   (893)
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total (28) 0 (28) 0 (997)
Residential Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 8,444   8,444   20,740
Total Loans Receivable, year one 30,259   30,259   97,671
Total Loans Receivable, year tow 91,896   91,896   106,778
Total Loans Receivable, year three 101,282   101,282   115,001
Total Loans Receivable, year four 105,770   105,770   23,873
Total Loans Receivable, prior 123,283   123,283   113,987
Total Loans Receivable, revolving 2,515   2,515   1,716
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 463,449   463,449   479,766
Residential Portfolio Segment [Member] | Special Mention [Member]          
Total Loans Receivable, current year 0   0   405
Total Loans Receivable, year one 194   194   0
Total Loans Receivable, year tow 796   796   473
Total Loans Receivable, year three 876   876   173
Total Loans Receivable, year four 773   773   431
Total Loans Receivable, prior 1,903   1,903   1,602
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 4,542   4,542   3,084
Residential Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 196   196   786
Total Loans Receivable, year tow 872   872   152
Total Loans Receivable, year three 267   267   471
Total Loans Receivable, year four 211   211   217
Total Loans Receivable, prior 1,619   1,619   472
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 3,165   3,165   2,098
Home Equity Portfolio Segment [Member]          
Total Loans Receivable, current year 271   271   110
Total Loans Receivable, year one 81   81   275
Total Loans Receivable, year tow 248   248   101
Total Loans Receivable, year three 156   156   14
Total Loans Receivable, year four 8   8   65
Total Loans Receivable, prior 3,462   3,462   2,149
Total Loans Receivable, revolving 44,880   44,880   43,122
Total Loans Receivable, revolving converted to term 0   0   763
Total Loans Receivable 49,106   49,106   46,599
Total current period gross charge-off, current year     0   0
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     0   (16)
Total current period gross charge-off, revolving     0   (27)
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total 0 0 0 0 (43)
Home Equity Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 245   245   110
Total Loans Receivable, year one 71   71   114
Total Loans Receivable, year tow 106   106   101
Total Loans Receivable, year three 156   156   14
Total Loans Receivable, year four 5   5   61
Total Loans Receivable, prior 3,385   3,385   2,051
Total Loans Receivable, revolving 44,190   44,190   42,801
Total Loans Receivable, revolving converted to term 0   0   700
Total Loans Receivable 48,158   48,158   45,952
Home Equity Portfolio Segment [Member] | Special Mention [Member]          
Total Loans Receivable, current year 26   26   0
Total Loans Receivable, year one 10   10   0
Total Loans Receivable, year tow 0   0   0
Total Loans Receivable, year three 0   0   0
Total Loans Receivable, year four 3   3   4
Total Loans Receivable, prior 14   14   31
Total Loans Receivable, revolving 431   431   70
Total Loans Receivable, revolving converted to term 0   0   63
Total Loans Receivable 484   484   168
Home Equity Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 0   0   161
Total Loans Receivable, year tow 142   142   0
Total Loans Receivable, year three 0   0   0
Total Loans Receivable, year four 0   0   0
Total Loans Receivable, prior 63   63   67
Total Loans Receivable, revolving 259   259   251
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 464   464   479
Commercial Real Estate Portfolio Segment [Member]          
Total Loans Receivable, current year 35,857   35,857   52,880
Total Loans Receivable, year one 62,513   62,513   127,676
Total Loans Receivable, year tow 126,363   126,363   92,537
Total Loans Receivable, year three 99,361   99,361   56,740
Total Loans Receivable, year four 55,519   55,519   57,378
Total Loans Receivable, prior 157,333   157,333   113,200
Total Loans Receivable, revolving 3,025   3,025   2,791
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 539,971   539,971   503,202
Total current period gross charge-off, current year     0   0
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     0   (372)
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total 0   0 (371) (372)
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 34,872   34,872   52,880
Total Loans Receivable, year one 62,513   62,513   127,607
Total Loans Receivable, year tow 124,773   124,773   90,108
Total Loans Receivable, year three 96,970   96,970   55,236
Total Loans Receivable, year four 54,628   54,628   56,255
Total Loans Receivable, prior 153,714   153,714   108,489
Total Loans Receivable, revolving 2,878   2,878   2,649
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 530,348   530,348   493,224
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]          
Total Loans Receivable, current year 985   985   0
Total Loans Receivable, year one 0   0   69
Total Loans Receivable, year tow 681   681   2,429
Total Loans Receivable, year three 2,391   2,391   1,274
Total Loans Receivable, year four 673   673   1,123
Total Loans Receivable, prior 1,932   1,932   2,397
Total Loans Receivable, revolving 25   25   142
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 6,687   6,687   7,434
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 0   0   0
Total Loans Receivable, year tow 909   909   0
Total Loans Receivable, year three 0   0   230
Total Loans Receivable, year four 218   218   0
Total Loans Receivable, prior 1,687   1,687   2,314
Total Loans Receivable, revolving 122   122   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 2,936   2,936   2,544
Construction and Land Development Portfolio Segment [Member]          
Total Loans Receivable, current year 26,343   26,343   48,883
Total Loans Receivable, year one 35,582   35,582   25,024
Total Loans Receivable, year tow 8,019   8,019   17,616
Total Loans Receivable, year three 11,640   11,640   3,988
Total Loans Receivable, year four 2,706   2,706   4,284
Total Loans Receivable, prior 872   872   473
Total Loans Receivable, revolving 2,761   2,761   12,539
Total Loans Receivable, revolving converted to term 0   0   2,420
Total Loans Receivable 87,923   87,923   115,227
Total current period gross charge-off, current year     0   0
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     0   0
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total 0 0 0 0 0
Construction and Land Development Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 26,343   26,343   48,518
Total Loans Receivable, year one 34,562   34,562   24,948
Total Loans Receivable, year tow 8,019   8,019   13,411
Total Loans Receivable, year three 8,305   8,305   1,732
Total Loans Receivable, year four 224   224   4,284
Total Loans Receivable, prior 872   872   473
Total Loans Receivable, revolving 2,761   2,761   12,539
Total Loans Receivable, revolving converted to term 0   0   2,420
Total Loans Receivable 81,086   81,086   108,325
Construction and Land Development Portfolio Segment [Member] | Special Mention [Member]          
Total Loans Receivable, current year 0   0   365
Total Loans Receivable, year one 0   0   76
Total Loans Receivable, year tow 0   0   4,205
Total Loans Receivable, year three 2,061   2,061   2,256
Total Loans Receivable, year four 2,482   2,482   0
Total Loans Receivable, prior 0   0   0
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 4,543   4,543   6,902
Construction and Land Development Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 1,020   1,020   0
Total Loans Receivable, year tow 0   0   0
Total Loans Receivable, year three 1,274   1,274   0
Total Loans Receivable, year four 0   0   0
Total Loans Receivable, prior 0   0   0
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 2,294   2,294   0
Multifamily Portfolio Segment [Member]          
Total Loans Receivable, current year 4,823   4,823   9,333
Total Loans Receivable, year one 8,982   8,982   53,493
Total Loans Receivable, year tow 61,990   61,990   79,788
Total Loans Receivable, year three 79,928   79,928   43,335
Total Loans Receivable, year four 39,945   39,945   13,156
Total Loans Receivable, prior 21,733   21,733   20,626
Total Loans Receivable, revolving 636   636   186
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 218,037   218,037   219,917
Total current period gross charge-off, current year     0   0
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     (66)   0
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total 0 0 (66) 0 0
Multifamily Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 4,823   4,823   9,333
Total Loans Receivable, year one 8,982   8,982   53,493
Total Loans Receivable, year tow 60,753   60,753   78,122
Total Loans Receivable, year three 75,220   75,220   41,773
Total Loans Receivable, year four 37,189   37,189   13,156
Total Loans Receivable, prior 21,362   21,362   19,609
Total Loans Receivable, revolving 636   636   186
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 208,965   208,965   215,672
Multifamily Portfolio Segment [Member] | Special Mention [Member]          
Total Loans Receivable, current year 0   0   373
Total Loans Receivable, year one 0   0   197
Total Loans Receivable, year tow 786   786   58
Total Loans Receivable, year three 3,350   3,350   0
Total Loans Receivable, year four 1,220   1,220   129
Total Loans Receivable, prior 0   0   436
Total Loans Receivable, revolving 0   0   417
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 5,356   5,356   1,610
Multifamily Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 0   0   0
Total Loans Receivable, year tow 451   451   1,666
Total Loans Receivable, year three 1,358   1,358   1,562
Total Loans Receivable, year four 1,536   1,536   0
Total Loans Receivable, prior 371   371   1,017
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 3,716   3,716   4,245
Commercial Portfolio Segment [Member]          
Total Loans Receivable, current year 12,337   12,337   13,526
Total Loans Receivable, year one 10,012   10,012   15,065
Total Loans Receivable, year tow 12,268   12,268   9,641
Total Loans Receivable, year three 6,796   6,796   5,919
Total Loans Receivable, year four 4,222   4,222   4,234
Total Loans Receivable, prior 15,497   15,497   14,462
Total Loans Receivable, revolving 36,768   36,768   34,539
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 97,900   97,900   97,386
Total current period gross charge-off, current year     (2)   0
Total current period gross charge-off, year one     0   (110)
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   (342)
Total current period gross charge-off, year four     0   (11)
Total current period gross charge-off, prior     0   (601)
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total (2) (622) (2) (1,065) (1,064)
Commercial Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 12,337   12,337   13,110
Total Loans Receivable, year one 8,742   8,742   13,774
Total Loans Receivable, year tow 10,166   10,166   9,327
Total Loans Receivable, year three 6,549   6,549   5,705
Total Loans Receivable, year four 4,045   4,045   4,105
Total Loans Receivable, prior 12,316   12,316   12,905
Total Loans Receivable, revolving 35,256   35,256   33,954
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 89,411   89,411   92,880
Commercial Portfolio Segment [Member] | Special Mention [Member]          
Total Loans Receivable, current year 0   0    
Total Loans Receivable, year one 327   327    
Total Loans Receivable, year tow 1,028   1,028    
Total Loans Receivable, year three 44   44    
Total Loans Receivable, year four 0   0    
Total Loans Receivable, prior 2,204   2,204    
Total Loans Receivable, revolving 1,410   1,410    
Total Loans Receivable, revolving converted to term 0   0    
Total Loans Receivable 5,013   5,013    
Commercial Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   43
Total Loans Receivable, year one 943   943   1,094
Total Loans Receivable, year tow 1,074   1,074   256
Total Loans Receivable, year three 203   203   214
Total Loans Receivable, year four 177   177   0
Total Loans Receivable, prior 977   977   1,121
Total Loans Receivable, revolving 102   102   168
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 3,476   3,476   2,896
Consumer Portfolio Segment [Member]          
Total Loans Receivable, current year 219   219   338
Total Loans Receivable, year one 184   184   73
Total Loans Receivable, year tow 44   44   108
Total Loans Receivable, year three 61   61   6
Total Loans Receivable, year four 1   1   14
Total Loans Receivable, prior 13   13   71
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 522   522   610
Total current period gross charge-off, current year     (60)   (95)
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     0   0
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total (17) (20) (60) (60) (95)
Consumer Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 219   219   338
Total Loans Receivable, year one 184   184   73
Total Loans Receivable, year tow 44   44   108
Total Loans Receivable, year three 61   61   4
Total Loans Receivable, year four 1   1   14
Total Loans Receivable, prior 13   13   71
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 522   522   608
Consumer Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 0   0   0
Total Loans Receivable, year tow 0   0   0
Total Loans Receivable, year three 0   0   2
Total Loans Receivable, year four 0   0   0
Total Loans Receivable, prior 0   0   0
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 0   0   2
Manufactured Homes Portfolio Segment [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 0   0   1,942
Total Loans Receivable, year tow 1,835   1,835   12,556
Total Loans Receivable, year three 11,743   11,743   9,214
Total Loans Receivable, year four 7,914   7,914   5,031
Total Loans Receivable, prior 5,970   5,970   2,102
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 27,462   27,462   30,845
Total current period gross charge-off, current year     0   0
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     0   0
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total 0 0 0 0 0
Manufactured Homes Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 0   0   0
Total Loans Receivable, year one 0   0   1,942
Total Loans Receivable, year tow 1,835   1,835   12,556
Total Loans Receivable, year three 11,613   11,613   9,214
Total Loans Receivable, year four 7,914   7,914   5,031
Total Loans Receivable, prior 5,970   5,970   2,102
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 27,332   27,332   30,845
Manufactured Homes Portfolio Segment [Member] | Substandard [Member]          
Total Loans Receivable, current year 0   0    
Total Loans Receivable, year one 0   0    
Total Loans Receivable, year tow 0   0    
Total Loans Receivable, year three 130   130    
Total Loans Receivable, year four 0   0    
Total Loans Receivable, prior 0   0    
Total Loans Receivable, revolving 0   0    
Total Loans Receivable, revolving converted to term 0   0    
Total Loans Receivable 130   130    
Government Portfolio Segment [Member]          
Total Loans Receivable, current year 6,490   6,490   1,890
Total Loans Receivable, year one 0   0   1,815
Total Loans Receivable, year tow 1,440   1,440   1,433
Total Loans Receivable, year three 1,255   1,255   0
Total Loans Receivable, year four 0   0   0
Total Loans Receivable, prior 3,784   3,784   4,883
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable 12,969   12,969   10,021
Total current period gross charge-off, current year     0   0
Total current period gross charge-off, year one     0   0
Total current period gross charge-off, year two     0   0
Total current period gross charge-off, year three     0   0
Total current period gross charge-off, year four     0   0
Total current period gross charge-off, prior     0   0
Total current period gross charge-off, revolving     0   0
Total current period gross charge-off, revolving converted to term     0   0
Total current period gross charge-off, total 0 $ 0 0 $ 0 0
Government Portfolio Segment [Member] | Pass [Member]          
Total Loans Receivable, current year 6,490   6,490   1,890
Total Loans Receivable, year one 0   0   1,815
Total Loans Receivable, year tow 1,440   1,440   1,433
Total Loans Receivable, year three 1,255   1,255   0
Total Loans Receivable, year four 0   0   0
Total Loans Receivable, prior 3,784   3,784   4,883
Total Loans Receivable, revolving 0   0   0
Total Loans Receivable, revolving converted to term 0   0   0
Total Loans Receivable $ 12,969   $ 12,969   $ 10,021