Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 3 Loans receivable consisted of the following at the dates indicated: September 30, 2021 December 31, 2020 (In thousands) Real Estate: One-to-four family $ 294,432 $ 309,828 Multi-family 177,560 162,467 Commercial real estate 353,356 296,574 Construction and land 214,472 123,627 Total real estate loans 1,039,820 892,496 Consumer: Home equity 38,881 33,103 Auto and other consumer 182,238 128,233 Total consumer loans 221,119 161,336 Commercial business loans 91,939 100,201 Total loans 1,352,878 1,154,033 Less: Net deferred loan fees 5,274 4,346 Premium on purchased loans, net (12,765 ) (6,129 ) Allowance for loan losses 15,243 13,847 Total loans receivable, net $ 1,345,126 $ 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 September 30, 2021 One-to-four family Multi-family Commercial real estate Construction and land Home equity Auto and other consumer Commercial business Unallocated Total (In thousands) ALLL: Beginning balance $ 3,356 $ 1,816 $ 3,674 $ 2,221 $ 393 $ 2,368 $ 464 $ 296 $ 14,588 (Recapture of) provision for loan losses (117 ) 101 278 260 24 58 26 70 700 Charge-offs — — — — — (421 ) — — (421 ) Recoveries — — — 2 — 374 — — 376 Ending balance $ 3,239 $ 1,917 $ 3,952 $ 2,483 $ 417 $ 2,379 $ 490 $ 366 $ 15,243 At or For the Nine Months Ended September 30, 2021 One-to-four family Multi-family Commercial real estate Construction and land Home equity Auto and other consumer Commercial 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 (236 ) 153 532 1,016 44 (142 ) 61 72 1,500 Charge-offs — — — — (12 ) (801 ) — — (813 ) Recoveries 6 — — 6 17 680 — — 709 Ending balance $ 3,239 $ 1,917 $ 3,952 $ 2,483 $ 417 $ 2,379 $ 490 $ 366 $ 15,243 At September 30, 2021 One-to-four family Multi-family Commercial real estate Construction and land Home equity Auto and other consumer Commercial business Unallocated Total (In thousands) Total ALLL $ 3,239 $ 1,917 $ 3,952 $ 2,483 $ 417 $ 2,379 $ 490 $ 366 $ 15,243 General reserve 3,212 1,917 3,952 2,483 414 2,272 490 366 15,106 Specific reserve 27 — — — 3 107 — — 137 Total loans $ 294,432 $ 177,560 $ 353,356 $ 214,472 $ 38,881 $ 182,238 $ 91,939 $ — $ 1,352,878 Loans collectively evaluated (1) 292,094 177,560 352,158 214,448 38,699 181,846 91,939 — 1,348,744 Loans individually evaluated (2) 2,338 — 1,198 24 182 392 — — 4,134 ( 1 ( 2 At or For the Three Months Ended September 30, 2020 One-to-four family Multi-family Commercial real estate Construction and land Home equity Auto and other consumer Commercial business Unallocated Total (In thousands) ALLL: Beginning balance $ 3,780 $ 1,128 $ 3,021 $ 738 $ 429 $ 2,252 $ 463 $ 298 $ 12,109 Provision for (recapture of) loan losses 62 307 319 240 (4 ) 427 — (1 ) 1,350 Charge-offs — — — — — (479 ) — — (479 ) Recoveries 2 — — 1 — 24 — — 27 Ending balance $ 3,844 $ 1,435 $ 3,340 $ 979 $ 425 $ 2,224 $ 463 $ 297 $ 13,007 At or For the Nine Months Ended September 30, 2020 One-to-four family Multi-family Commercial real estate Construction and land Home equity Auto and other consumer Commercial 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 764 547 1,097 577 (30 ) 760 255 146 4,116 Charge-offs — — — — — (853 ) — — (853 ) Recoveries 56 — — 3 1 56 — — 116 Ending balance $ 3,844 $ 1,435 $ 3,340 $ 979 $ 425 $ 2,224 $ 463 $ 297 $ 13,007 At December 31, 2020 One-to-four family Multi-family Commercial real estate Construction and land Home equity Auto and other consumer Commercial 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: September 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 $ 215 $ 249 $ — $ 227 $ 257 $ — Multi-family — — — 284 284 — Commercial real estate 1,198 1,300 — 1,216 1,308 — Construction and land — — — — 29 — Home equity 30 64 — 37 94 — Auto and other consumer — 84 — — 224 — Total 1,443 1,697 — 1,764 2,196 — With an allowance recorded: One-to-four family 2,123 2,326 27 2,739 2,941 36 Commercial real estate — — — 62 62 1 Construction and land 24 24 — 26 26 — Home equity 152 175 3 98 157 4 Auto and other consumer 392 406 107 822 953 276 Total 2,691 2,931 137 3,747 4,139 317 Total impaired loans: One-to-four family 2,338 2,575 27 2,966 3,198 36 Multi-family — — — 284 284 — Commercial real estate 1,198 1,300 — 1,278 1,370 1 Construction and land 24 24 — 26 55 — Home equity 182 239 3 135 251 4 Auto and other consumer 392 490 107 822 1,177 276 Total $ 4,134 $ 4,628 $ 137 $ 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 periods shown: Three Months Ended Nine Months Ended September 30, 2021 September 30, 2021 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no allowance recorded: One-to-four family $ 217 $ 3 $ 221 $ 9 Multi-family — — 125 — Commercial real estate 1,200 18 1,081 55 Home equity 31 — 34 1 Auto and other consumer 47 3 39 5 Total 1,495 24 1,500 70 With an allowance recorded: One-to-four family 2,199 46 2,357 110 Commercial real estate 17 — 162 — Construction and land 24 2 25 3 Home equity 122 3 117 — Auto and other consumer 464 6 715 17 Total 2,826 57 3,376 130 Total impaired loans: One-to-four family 2,416 49 2,578 119 Multi-family — — 125 — Commercial real estate 1,217 18 1,243 55 Construction and land 24 2 25 3 Home equity 153 3 151 1 Auto and other consumer 511 9 754 22 Total $ 4,321 $ 81 $ 4,876 $ 200 Interest income recognized on a cash basis on impaired loans for the three nine September 30, 2021 The following table presents the average recorded investment in loans individually evaluated for impairment and the related interest income recognized for the periods shown: Three Months Ended Nine Months Ended September 30, 2020 September 30, 2020 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no allowance recorded: One-to-four family $ 203 $ 6 $ 154 $ 6 Multi-family 294 1 197 — Commercial real estate 1,200 1 1,211 15 Construction and land — — 12 — Home equity 38 1 43 1 Auto and other consumer — 13 — 16 Commercial business 168 — 90 — Total 1,903 22 1,707 38 With an allowance recorded: One-to-four family 4,397 91 3,335 158 Multi-family — — 158 — Commercial real estate 67 2 380 2 Construction and land 26 2 28 3 Home equity 140 3 212 7 Auto and other consumer 702 24 718 33 Commercial business — — 146 — Total 5,332 122 4,977 203 Total impaired loans: One-to-four family 4,600 97 3,489 164 Multi-family 294 1 355 — Commercial real estate 1,267 3 1,591 17 Construction and land 26 2 40 3 Home equity 178 4 255 8 Auto and other consumer 702 37 718 49 Commercial business 168 — 236 — Total $ 7,235 $ 144 $ 6,684 $ 241 Interest income recognized on a cash basis on impaired loans for the three nine September 30, 2020 The following table presents the recorded investment in nonaccrual loans by class of loan at the dates indicated: September 30, 2021 December 31, 2020 (In thousands) One-to-four family $ 561 $ 912 Multi-family — 284 Commercial real estate 76 157 Construction and land 24 26 Home equity 130 73 Auto and other consumer 392 821 Commercial business — — Total nonaccrual loans $ 1,183 $ 2,273 Past due loans. not 90 September 30, 2021 December 31, 2020 The following table presents the recorded investment in past due loans, by class, as of September 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 $ — $ 60 $ — $ 60 $ 294,372 $ 294,432 Multi-family — — — — 177,560 177,560 Commercial real estate — — — — 353,356 353,356 Construction and land — — — — 214,472 214,472 Total real estate loans — 60 — 60 1,039,760 1,039,820 Consumer: Home equity 53 29 — 82 38,799 38,881 Auto and other consumer 283 69 32 384 181,854 182,238 Total consumer loans 336 98 32 466 220,653 221,119 Commercial business loans 17 — — 17 91,922 91,939 Total loans $ 353 $ 158 $ 32 $ 543 $ 1,352,335 $ 1,352,878 The following table presents the recorded investment in past due loans, 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 September 30, 2021 Pass Watch Special Mention Substandard Total (In thousands) Real Estate: One-to-four family $ 290,889 $ 2,653 $ 57 $ 833 $ 294,432 Multi-family 161,525 16,035 — — 177,560 Commercial real estate 307,347 21,534 13,464 11,011 353,356 Construction and land 203,512 2,058 8,878 24 214,472 Total real estate loans 963,273 42,280 22,399 11,868 1,039,820 Consumer: Home equity 38,486 136 61 198 38,881 Auto and other consumer 180,486 1,245 115 392 182,238 Total consumer loans 218,972 1,381 176 590 221,119 Commercial business loans 90,795 912 — 232 91,939 Total loans $ 1,273,040 $ 44,573 $ 22,575 $ 12,690 $ 1,352,878 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 September 30, 2021 Nonperforming Performing Total (In thousands) Real Estate: One-to-four family $ 561 $ 293,871 $ 294,432 Multi-family — 177,560 177,560 Commercial real estate 76 353,280 353,356 Construction and land 24 214,448 214,472 Consumer: Home equity 130 38,751 38,881 Auto and other consumer 392 181,846 182,238 Commercial business — 91,939 91,939 Total loans $ 1,183 $ 1,351,695 $ 1,352,878 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. September 30, 2021 19 not September 30, 2021 The following table is a summary of information pertaining to TDR loans included in impaired loans at the dates indicated: September 30, 2021 December 31, 2020 (In thousands) Total TDR loans $ 1,858 $ 2,224 Allowance for loan losses related to TDR loans 21 26 Total nonaccrual TDR loans 29 108 There were no newly restructured and renewals or modifications of existing TDR loans that occurred during the three nine September 30, 2021 2020 There were no TDR loans which incurred a payment default within 12 three nine September 30, 2021 2020 No additional funds were committed to be advanced in connection with TDR loans at September 30, 2021 The following table presents TDR loans by class at the dates indicated by accrual and nonaccrual status: September 30, 2021 December 31, 2020 Accrual Nonaccrual Total Accrual Nonaccrual Total (In thousands) One-to-four family $ 1,777 $ 29 $ 1,806 $ 2,054 $ 108 $ 2,162 Home equity 52 — 52 62 — 62 Total TDR loans $ 1,829 $ 29 $ 1,858 $ 2,116 $ 108 $ 2,224 |