Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 3 Loans receivable consisted of the following at the dates indicated: June 30, 2021 December 31, 2020 (In thousands) Real Estate: One-to-four family $ 301,816 $ 309,828 Multi-family 166,502 162,467 Commercial real estate 319,644 296,574 Construction and land 183,685 123,627 Total real estate loans 971,647 892,496 Consumer: Home equity 36,886 33,103 Auto and other consumer 171,617 128,233 Total consumer loans 208,503 161,336 Commercial business loans 75,995 100,201 Total loans 1,256,145 1,154,033 Less: Net deferred loan fees 5,610 4,346 Premium on purchased loans, net (10,393 ) (6,129 ) Allowance for loan losses 14,588 13,847 Total loans receivable, net $ 1,246,340 $ 1,141,969 Allowance for Loan Losses. The following tables summarize changes in the ALLL and loan portfolio by segment and impairment method for the periods shown: At or For the Three Months Ended June 30, 2021 One-to- Commercial Construction Home Auto and other Commercial four family Multi-family real estate and land equity consumer business Unallocated Total (In thousands) ALLL: Beginning balance $ 3,416 $ 1,822 $ 3,629 $ 1,890 $ 379 $ 2,337 $ 483 $ 309 $ 14,265 (Recapture of) provision for loan losses (60 ) (6 ) 45 330 26 (3 ) (19 ) (13 ) 300 Charge-offs — — — — (12 ) (151 ) — — (163 ) Recoveries — — — 1 — 185 — — 186 Ending balance $ 3,356 $ 1,816 $ 3,674 $ 2,221 $ 393 $ 2,368 $ 464 $ 296 $ 14,588 At or For the Six Months Ended June 30, 2021 One-to- Commercial Construction Home Auto and other Commercial four family Multi-family real estate and land equity consumer business Unallocated Total (In thousands) ALLL: Beginning balance $ 3,469 $ 1,764 $ 3,420 $ 1,461 $ 368 $ 2,642 $ 429 $ 294 $ 13,847 (Recapture of) provision for loan losses (119 ) 52 254 756 20 (200 ) 35 2 800 Charge-offs — — — — (12 ) (380 ) — — (392 ) Recoveries 6 — — 4 17 306 — — 333 Ending balance $ 3,356 $ 1,816 $ 3,674 $ 2,221 $ 393 $ 2,368 $ 464 $ 296 $ 14,588 At June 30, 2021 One-to- Commercial Construction Home Auto and other Commercial four family Multi-family real estate and land equity consumer business Unallocated Total (In thousands) Total ALLL $ 3,356 $ 1,816 $ 3,674 $ 2,221 $ 393 $ 2,368 $ 464 $ 296 $ 14,588 General reserve 3,325 1,816 3,674 2,221 389 2,228 464 296 14,413 Specific reserve 31 — — — 4 140 — — 175 Total loans $ 301,816 $ 166,502 $ 319,644 $ 183,685 $ 36,886 $ 171,617 $ 75,995 $ — $ 1,256,145 Loans collectively evaluated (1) 299,239 166,502 318,441 183,660 36,738 170,814 75,995 — 1,251,389 Loans individually evaluated (2) 2,577 — 1,203 25 148 803 — — 4,756 ( 1 ( 2 At or For the Three Months Ended June 30, 2020 One-to- Commercial Construction Home Auto and other Commercial four family Multi-family real estate and land equity consumer business Unallocated Total (In thousands) ALLL: Beginning balance $ 3,396 $ 923 $ 2,722 $ 592 $ 449 $ 2,317 $ 250 $ 181 $ 10,830 Provision for (recapture of) loan losses 383 205 299 146 (20 ) 157 213 117 1,500 Charge-offs — — — — — (240 ) — — (240 ) Recoveries 1 — — — — 18 — — 19 Ending balance $ 3,780 $ 1,128 $ 3,021 $ 738 $ 429 $ 2,252 $ 463 $ 298 $ 12,109 At or For the Six Months Ended June 30, 2020 One-to- Commercial Construction Home Auto and other Commercial four family Multi-family real estate and land equity consumer business Unallocated Total (In thousands) ALLL: Beginning balance $ 3,024 $ 888 $ 2,243 $ 399 $ 454 $ 2,261 $ 208 $ 151 $ 9,628 Provision for (recapture of) loan losses 702 240 778 337 (26 ) 333 255 147 2,766 Charge-offs — — — — — (374 ) — — (374 ) Recoveries 54 — — 2 1 32 — — 89 Ending balance $ 3,780 $ 1,128 $ 3,021 $ 738 $ 429 $ 2,252 $ 463 $ 298 $ 12,109 At December 31, 2020 One-to- Commercial Construction Home Auto and other Commercial four family Multi-family real estate and land equity consumer business Unallocated Total (In thousands) Total ALLL $ 3,469 $ 1,764 $ 3,420 $ 1,461 $ 368 $ 2,642 $ 429 $ 294 $ 13,847 General reserve 3,433 1,764 3,419 1,461 364 2,366 429 294 13,530 Specific reserve 36 — 1 — 4 276 — — 317 Total loans $ 309,828 $ 162,467 $ 296,574 $ 123,627 $ 33,103 $ 128,233 $ 100,201 $ — $ 1,154,033 Loans collectively evaluated (1) 306,862 162,183 295,296 123,601 32,968 127,411 100,201 — 1,148,522 Loans individually evaluated (2) 2,966 284 1,278 26 135 822 — — 5,511 ( 1 ( 2 Impaired loans. may The following table presents a summary of loans individually evaluated for impairment by portfolio segment at the dates indicated: June 30, 2021 December 31, 2020 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance (In thousands) With no allowance recorded: One-to-four family $ 220 $ 251 $ — $ 227 $ 257 $ — Multi-family — — — 284 284 — Commercial real estate 1,203 1,303 — 1,216 1,308 — Construction and land — 26 — — 29 — Home equity 33 66 — 37 94 — Auto and other consumer — 98 — — 224 — Commercial business — — — — — — Total 1,456 1,744 — 1,764 2,196 — With an allowance recorded: One-to-four family 2,357 2,535 31 2,739 2,941 36 Multi-family — — — — — — Commercial real estate — — — 62 62 1 Construction and land 25 25 — 26 26 — Home equity 115 173 4 98 157 4 Auto and other consumer 803 818 140 822 953 276 Commercial business — — — — — — Total 3,300 3,551 175 3,747 4,139 317 Total impaired loans: One-to-four family 2,577 2,786 31 2,966 3,198 36 Multi-family — — — 284 284 — Commercial real estate 1,203 1,303 — 1,278 1,370 1 Construction and land 25 51 — 26 55 — Home equity 148 239 4 135 251 4 Auto and other consumer 803 916 140 822 1,177 276 Commercial business — — — — — — Total $ 4,756 $ 5,295 $ 175 $ 5,511 $ 6,335 $ 317 The following table presents the average recorded investment in loans individually evaluated for impairment and the related interest income recognized for the period shown: Three Months Ended Six Months Ended June 30, 2021 June 30, 2021 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) (In thousands) With no allowance recorded: One-to-four family $ 221 $ 4 $ 223 $ 6 Multi-family 93 — 187 — Commercial real estate 832 18 1,022 37 Construction and land — — — — Home equity 34 — 35 1 Auto and other consumer 35 3 35 4 Commercial business — — — — Total 1,215 25 1,502 48 With an allowance recorded: One-to-four family 2,365 49 2,437 87 Multi-family — — — — Commercial real estate 410 — 234 — Construction and land 24 2 25 3 Home equity 119 4 115 6 Auto and other consumer 816 15 840 19 Commercial business — — — — Total 3,734 70 3,651 115 Total impaired loans: One-to-four family 2,586 53 2,660 93 Multi-family 93 — 187 — Commercial real estate 1,242 18 1,256 37 Construction and land 24 2 25 3 Home equity 153 4 150 7 Auto and other consumer 851 18 875 23 Commercial business — — — — Total $ 4,949 $ 95 $ 5,153 $ 163 Interest income recognized on a cash basis on impaired loans for the three six June 30, 2021 The following table presents the average recorded investment in loans individually evaluated for impairment and the related interest income recognized for the period shown: Three Months Ended Six Months Ended June 30, 2020 June 30, 2020 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no allowance recorded: One-to-four family $ 153 $ 9 $ 130 $ 9 Multi-family 198 — 148 — Commercial real estate 1,205 — 1,218 15 Construction and land 36 — 18 — Home equity 48 1 46 — Auto and other consumer — 12 — 14 Commercial business 102 — 51 — Total 1,742 22 1,611 38 With an allowance recorded: One-to-four family 2,932 71 2,804 112 Multi-family 170 — 237 — Commercial real estate 429 — 536 — Construction and land 28 2 28 2 Home equity 246 5 247 10 Auto and other consumer 765 20 727 29 Commercial business 175 — 219 — Total 4,745 98 4,798 153 Total impaired loans: One-to-four family 3,085 80 2,934 121 Multi-family 368 — 385 — Commercial real estate 1,634 — 1,754 15 Construction and land 64 2 46 2 Home equity 294 6 293 10 Auto and other consumer 765 32 727 43 Commercial business 277 — 270 — Total $ 6,487 $ 120 $ 6,409 $ 191 Interest income recognized on a cash basis on impaired loans for the three six June 30, 2020 The following table presents the recorded investment in nonaccrual loans by class of loan at the dates indicated: June 30, 2021 December 31, 2020 (In thousands) One-to-four family $ 784 $ 912 Multi-family — 284 Commercial real estate 83 157 Construction and land 24 26 Home equity 90 73 Auto and other consumer 803 821 Commercial business — — Total nonaccrual loans $ 1,784 $ 2,273 Past due loans. not no 90 June 30, 2021 December 31, 2020 The following table presents past due loans, net of partial loan charge-offs, by class, as of June 30, 2021 30-59 Days 60-89 Days 90 Days or More Total Past Due Past Due Past Due Past Due Current Total Loans (In thousands) Real Estate: One-to-four family $ — $ 94 $ — $ 94 $ 301,722 $ 301,816 Multi-family — — — — 166,502 166,502 Commercial real estate — — — — 319,644 319,644 Construction and land — 25 — 25 183,660 183,685 Total real estate loans — 119 — 119 971,528 971,647 Consumer: Home equity 43 — — 43 36,843 36,886 Auto and other consumer 326 210 61 597 171,020 171,617 Total consumer loans 369 210 61 640 207,863 208,503 Commercial business loans — — — — 75,995 75,995 Total loans $ 369 $ 329 $ 61 $ 759 $ 1,255,386 $ 1,256,145 The following table presents past due loans, net of partial loan charge-offs, by class, as of December 31, 2020 30-59 Days 60-89 Days 90 Days or More Total Past Due Past Due Past Due Past Due Current Total Loans (In thousands) Real Estate: One-to-four family $ 406 $ 132 $ 29 $ 567 $ 309,261 $ 309,828 Multi-family — — — — 162,467 162,467 Commercial real estate — — — — 296,574 296,574 Construction and land 56 — 26 82 123,545 123,627 Total real estate loans 462 132 55 649 891,847 892,496 Consumer: Home equity 94 — — 94 33,009 33,103 Auto and other consumer 815 138 137 1,090 127,143 128,233 Total consumer loans 909 138 137 1,184 160,152 161,336 Commercial business loans — — — — 100,201 100,201 Total loans $ 1,371 $ 270 $ 192 $ 1,833 $ 1,152,200 $ 1,154,033 Credit quality indicator. 6, 7, 8 8 not not When the Bank classifies problem assets as either substandard or doubtful, it may not not 4 5 not 1 3 Additionally, the Bank categorizes loans as performing or nonperforming based on payment activity. Loans that are more than 90 The following table represents the internally assigned grade as of June 30, 2021 Pass Watch Special Mention Substandard Total (In thousands) Real Estate: One-to-four family $ 298,012 $ 1,134 $ 1,611 $ 1,059 $ 301,816 Multi-family 150,379 16,123 — — 166,502 Commercial real estate 268,345 25,769 14,447 11,083 319,644 Construction and land 172,236 2,404 8,986 59 183,685 Total real estate loans 888,972 45,430 25,044 12,201 971,647 Consumer: Home equity 36,679 55 62 90 36,886 Auto and other consumer 168,284 2,158 361 814 171,617 Total consumer loans 204,963 2,213 423 904 208,503 Commercial business loans 68,457 7,306 — 232 75,995 Total loans $ 1,162,392 $ 54,949 $ 25,467 $ 13,337 $ 1,256,145 The following table represents the internally assigned grade as of December 31, 2020 Pass Watch Special Mention Substandard Total (In thousands) Real Estate: One-to-four family $ 303,840 $ 2,487 $ 1,730 $ 1,771 $ 309,828 Multi-family 146,536 15,647 — 284 162,467 Commercial real estate 250,970 20,759 20,690 4,155 296,574 Construction and land 114,575 8,914 74 64 123,627 Total real estate loans 815,921 47,807 22,494 6,274 892,496 Consumer: Home equity 32,500 349 100 154 33,103 Auto and other consumer 124,115 2,034 1,216 868 128,233 Total consumer loans 156,615 2,383 1,316 1,022 161,336 Commercial business loans 92,010 7,791 168 232 100,201 Total loans $ 1,064,546 $ 57,981 $ 23,978 $ 7,528 $ 1,154,033 The following table represents the credit risk profile based on payment activity as of June 30, 2021 Nonperforming Performing Total (In thousands) Real Estate: One-to-four family $ 784 $ 301,032 $ 301,816 Multi-family — 166,502 166,502 Commercial real estate 83 319,561 319,644 Construction and land 24 183,661 183,685 Consumer: Home equity 90 36,796 36,886 Auto and other consumer 803 170,814 171,617 Commercial business — 75,995 75,995 Total loans $ 1,784 $ 1,254,361 $ 1,256,145 The following table represents the credit risk profile based on payment activity as of December 31, 2020 Nonperforming Performing Total (In thousands) Real Estate: One-to-four family $ 912 $ 308,916 $ 309,828 Multi-family 284 162,183 162,467 Commercial real estate 157 296,417 296,574 Construction and land 26 123,601 123,627 Consumer: Home equity 73 33,030 33,103 Auto and other consumer 821 127,412 128,233 Commercial business — 100,201 100,201 Total loans $ 2,273 $ 1,151,760 $ 1,154,033 Troubled debt restructuring. The Coronavirus Aid, Relief, and Economic Security Act of 2020 March 27, 2020 ( 19 not six 30 2021, 60 19 January 1, 2022. June 30, 2021 19 not June 30, 2021 The following table is a summary of information pertaining to TDR loans included in impaired loans at the dates indicated: June 30, 2021 December 31, 2020 (In thousands) Total TDR loans $ 1,957 $ 2,224 Allowance for loan losses related to TDR loans 23 26 Total nonaccrual TDR loans 106 108 There were no three six June 30, 2021 2020 There were no TDR loans which incurred a payment default within 12 three six June 30, 2021 2020 No additional funds were committed to be advanced in connection with TDR loans at June 30, 2021 The following table presents TDR loans by class at the dates indicated by accrual and nonaccrual status. June 30, 2021 December 31, 2020 Accrual Nonaccrual Total Accrual Nonaccrual Total (In thousands) One-to-four family $ 1,793 $ 106 $ 1,899 $ 2,054 $ 108 $ 2,162 Home equity 58 — 58 62 — 62 Total TDR loans $ 1,851 $ 106 $ 1,957 $ 2,116 $ 108 $ 2,224 |