Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 3 Loans receivable consisted of the following at the dates indicated: June 30, 2022 December 31, 2021 (In thousands) Real Estate: One-to-four family $ 309,191 $ 294,965 Multi-family 221,337 172,409 Commercial real estate 381,279 363,299 Construction and land 214,394 224,709 Total real estate loans 1,126,201 1,055,382 Consumer: Home equity 46,993 39,172 Auto and other consumer 220,865 182,769 Total consumer loans 267,858 221,941 Commercial business loans 71,218 79,838 Total loans 1,465,277 1,357,161 Less: Net deferred loan fees 3,670 4,772 Premium on purchased loans, net (15,692 ) (12,995 ) Allowance for loan losses 15,747 15,124 Total loans receivable, net $ 1,461,552 $ 1,350,260 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, 2022 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 $ 3,039 $ 2,092 $ 4,038 $ 2,481 $ 405 $ 2,229 $ 526 $ 317 $ 15,127 (Recapture of) provision for loan losses (13 ) 76 116 69 81 160 12 (1 ) 500 Charge-offs — — — — — (73 ) — — (73 ) Recoveries — — — — — 51 142 — 193 Ending balance $ 3,026 $ 2,168 $ 4,154 $ 2,550 $ 486 $ 2,367 $ 680 $ 316 $ 15,747 At or For the Six Months Ended June 30, 2022 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 $ 3,184 $ 1,816 $ 3,996 $ 2,672 $ 407 $ 2,221 $ 470 $ 358 $ 15,124 (Recapture of) provision for loan losses (190 ) 352 158 (124 ) 62 216 68 (42 ) 500 Charge-offs — — — — — (210 ) — — (210 ) Recoveries 32 — — 2 17 140 142 — 333 Ending balance $ 3,026 $ 2,168 $ 4,154 $ 2,550 $ 486 $ 2,367 $ 680 $ 316 $ 15,747 At June 30, 2022 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 $ 3,026 $ 2,168 $ 4,154 $ 2,550 $ 486 $ 2,367 $ 680 $ 316 $ 15,747 General reserve 3,004 2,168 4,154 2,550 482 2,355 680 316 15,709 Specific reserve 22 — — — 4 12 — — 38 Total loans $ 309,191 $ 221,337 $ 381,279 $ 214,394 $ 46,993 $ 220,865 $ 71,218 $ — $ 1,465,277 Loans collectively evaluated (1) 306,835 221,337 381,219 214,372 46,714 220,582 71,218 — 1,462,277 Loans individually evaluated (2) 2,356 — 60 22 279 283 — — 3,000 ( 1 ( 2 At or For the Three Months Ended June 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 $ 3,416 $ 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-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 (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 December 31, 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 $ 3,184 $ 1,816 $ 3,996 $ 2,672 $ 407 $ 2,221 $ 470 $ 358 $ 15,124 General reserve 3,159 1,816 3,996 2,672 402 2,138 470 358 15,011 Specific reserve 25 — — — 5 83 — — 113 Total loans $ 294,965 $ 172,409 $ 363,299 $ 224,709 $ 39,172 $ 182,769 $ 79,838 $ — $ 1,357,161 Loans collectively evaluated (1) 292,708 172,409 363,228 224,687 38,839 182,257 79,838 — 1,353,966 Loans individually evaluated (2) 2,257 — 71 22 333 512 — — 3,195 ( 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, 2022 December 31, 2021 Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance (In thousands) With no allowance recorded: One-to-four family $ 355 $ 392 $ — $ 212 $ 247 $ — Commercial real estate 60 154 — 71 177 — Construction and land — 17 — — 24 — Home equity — — — 26 59 — Auto and other consumer 244 249 — — 77 — Total 659 812 — 309 584 — With an allowance recorded: One-to-four family 2,001 2,148 22 2,045 2,245 25 Construction and land 22 22 — 22 22 — Home equity 279 282 4 307 329 5 Auto and other consumer 39 39 12 512 512 83 Total 2,341 2,491 38 2,886 3,108 113 Total impaired loans: One-to-four family 2,356 2,540 22 2,257 2,492 25 Commercial real estate 60 154 — 71 177 — Construction and land 22 39 — 22 46 — Home equity 279 282 4 333 388 5 Auto and other consumer 283 288 12 512 589 83 Total $ 3,000 $ 3,303 $ 38 $ 3,195 $ 3,692 $ 113 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 Six Months Ended June 30, 2022 June 30, 2022 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no allowance recorded: One-to-four family $ 356 $ 6 $ 283 $ 8 Commercial real estate 63 — 65 — Construction and land — 1 — 1 Home equity — — 5 — Auto and other consumer 247 5 249 9 Total 666 12 602 18 With an allowance recorded: One-to-four family 2,128 39 2,079 72 Commercial real estate 21 — 11 — Construction and land 22 1 22 1 Home equity 284 4 293 7 Auto and other consumer 61 1 139 2 Total 2,516 45 2,544 82 Total impaired loans: One-to-four family 2,484 45 2,362 80 Commercial real estate 84 — 76 — Construction and land 22 2 22 2 Home equity 284 4 298 7 Auto and other consumer 308 6 388 11 Total $ 3,182 $ 57 $ 3,146 $ 100 Interest income recognized on a cash basis on impaired loans for the three six June 30, 2022 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 Six Months Ended June 30, 2021 June 30, 2021 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (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 Home equity 34 — 35 1 Auto and other consumer 35 3 35 4 Total 1,215 25 1,502 48 With an allowance recorded: One-to-four family 2,365 49 2,437 87 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 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 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 recorded investment in nonaccrual loans by class of loan at the dates indicated: June 30, 2022 December 31, 2021 (In thousands) One-to-four family $ 626 $ 494 Commercial real estate 60 71 Construction and land 22 22 Home equity 251 282 Auto and other consumer 282 512 Total nonaccrual loans $ 1,241 $ 1,381 Past due loans. not 90 June 30, 2022 December 31, 2021 The following table presents the recorded investment in past due loans, by class, as of June 30, 2022 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 $ 340 $ — $ 151 $ 491 $ 308,700 $ 309,191 Multi-family — — — — 221,337 221,337 Commercial real estate — — — — 381,279 381,279 Construction and land — 1,751 22 1,773 212,621 214,394 Total real estate loans 340 1,751 173 2,264 1,123,937 1,126,201 Consumer: Home equity — — 27 27 46,966 46,993 Auto and other consumer 1,175 142 13 1,330 219,535 220,865 Total consumer loans 1,175 142 40 1,357 266,501 267,858 Commercial business loans — — — — 71,218 71,218 Total loans $ 1,515 $ 1,893 $ 213 $ 3,621 $ 1,461,656 $ 1,465,277 The following table presents the recorded investment in past due loans, by class, as of December 31, 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 $ 786 $ — $ — $ 786 $ 294,179 $ 294,965 Multi-family — — — — 172,409 172,409 Commercial real estate — — — — 363,299 363,299 Construction and land 293 — — 293 224,416 224,709 Total real estate loans 1,079 — — 1,079 1,054,303 1,055,382 Consumer: Home equity 83 — — 83 39,089 39,172 Auto and other consumer 469 369 99 937 181,832 182,769 Total consumer loans 552 369 99 1,020 220,921 221,941 Commercial business loans 7 — — 7 79,831 79,838 Total loans $ 1,638 $ 369 $ 99 $ 2,106 $ 1,355,055 $ 1,357,161 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, 2022 Pass Watch Special Mention Substandard Total (In thousands) Real Estate: One-to-four family $ 305,457 $ 2,841 $ — $ 893 $ 309,191 Multi-family 205,515 15,822 — — 221,337 Commercial real estate 349,422 19,945 3,796 8,116 381,279 Construction and land 196,281 13,834 2 4,277 214,394 Total real estate loans 1,056,675 52,442 3,798 13,286 1,126,201 Consumer: Home equity 46,442 300 — 251 46,993 Auto and other consumer 219,994 468 119 284 220,865 Total consumer loans 266,436 768 119 535 267,858 Commercial business loans 69,757 1,096 365 — 71,218 Total loans $ 1,392,868 $ 54,306 $ 4,282 $ 13,821 $ 1,465,277 The following table represents the internally assigned grade as of December 31, 2021 Pass Watch Special Mention Substandard Total (In thousands) Real Estate: One-to-four family $ 291,421 $ 2,727 $ 53 $ 764 $ 294,965 Multi-family 153,704 18,705 — — 172,409 Commercial real estate 326,444 22,850 3,057 10,948 363,299 Construction and land 215,262 295 9,130 22 224,709 Total real estate loans 986,831 44,577 12,240 11,734 1,055,382 Consumer: Home equity 38,739 83 — 350 39,172 Auto and other consumer 181,356 835 65 513 182,769 Total consumer loans 220,095 918 65 863 221,941 Commercial business loans 79,616 222 — — 79,838 Total loans $ 1,286,542 $ 45,717 $ 12,305 $ 12,597 $ 1,357,161 The following table represents the credit risk profile based on payment activity as of June 30, 2022 Nonperforming Performing Total (In thousands) Real Estate: One-to-four family $ 626 $ 308,565 $ 309,191 Multi-family — 221,337 221,337 Commercial real estate 60 381,219 381,279 Construction and land 22 214,372 214,394 Consumer: Home equity 251 46,742 46,993 Auto and other consumer 282 220,583 220,865 Commercial business — 71,218 71,218 Total loans $ 1,241 $ 1,464,036 $ 1,465,277 The following table represents the credit risk profile based on payment activity as of December 31, 2021 Nonperforming Performing Total (In thousands) Real Estate: One-to-four family $ 494 $ 294,471 $ 294,965 Multi-family — 172,409 172,409 Commercial real estate 71 363,228 363,299 Construction and land 22 224,687 224,709 Consumer: Home equity 282 38,890 39,172 Auto and other consumer 512 182,257 182,769 Commercial business — 79,838 79,838 Total loans $ 1,381 $ 1,355,780 $ 1,357,161 Troubled debt restructuring. The following table is a summary of information pertaining to TDR loans included in impaired loans at the dates indicated: June 30, 2022 December 31, 2021 (In thousands) Total TDR loans $ 1,788 $ 1,843 Allowance for loan losses related to TDR loans 18 21 Total nonaccrual TDR loans 29 29 There were no newly restructured, renewals, or modifications of existing TDR loans that occurred during the three six June 30, 2022 2021 There were no TDR loans that incurred a payment default within 12 three six June 30, 2022 2021 No additional funds were committed to be advanced in connection with TDR loans at June 30, 2022 The following table presents TDR loans by class at the dates indicated by accrual and nonaccrual status: June 30, 2022 Accrual Nonaccrual Total (In thousands) One-to-four family $ 1,730 $ 29 $ 1,759 Home equity 29 — 29 Total TDR loans $ 1,759 $ 29 $ 1,788 |