Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | Note 3 Loans receivable consisted of the following at the dates indicated: September 30, 2022 December 31, 2021 (In thousands) Real Estate: One-to-four family $ 335,067 $ 294,965 Multi-family 243,256 172,409 Commercial real estate 385,272 363,299 Construction and land 217,175 224,709 Total real estate loans 1,180,770 1,055,382 Consumer: Home equity 50,066 39,172 Auto and other consumer 223,100 182,769 Total consumer loans 273,166 221,941 Commercial business loans 71,269 79,838 Total loans 1,525,205 1,357,161 Less: Net deferred loan fees 3,519 4,772 Premium on purchased loans, net (15,705 ) (12,995 ) Allowance for loan losses 16,273 15,124 Total loans receivable, net $ 1,521,118 $ 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 September 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 $ 3,026 $ 2,168 $ 4,154 $ 2,550 $ 486 $ 2,367 $ 680 $ 316 $ 15,747 Provision for (recapture of) loan losses 188 164 (45 ) (36 ) 9 428 14 28 750 Charge-offs — — — — — (265 ) — — (265 ) Recoveries — — — — 12 29 — — 41 Ending balance $ 3,214 $ 2,332 $ 4,109 $ 2,514 $ 507 $ 2,559 $ 694 $ 344 $ 16,273 At or For the Nine Months Ended September 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 (2 ) 516 113 (160 ) 71 644 82 (14 ) 1,250 Charge-offs — — — — — (475 ) — — (475 ) Recoveries 32 — — 2 29 169 142 — 374 Ending balance $ 3,214 $ 2,332 $ 4,109 $ 2,514 $ 507 $ 2,559 $ 694 $ 344 $ 16,273 At September 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 $ 3,214 $ 2,332 $ 4,109 $ 2,514 $ 507 $ 2,559 $ 694 $ 344 $ 16,273 General reserve 3,182 2,332 4,109 2,513 504 2,552 694 344 16,230 Specific reserve 32 — — 1 3 7 — — 43 Total loans $ 335,067 $ 243,256 $ 385,272 $ 217,175 $ 50,066 $ 223,100 $ 71,269 $ — $ 1,525,205 Loans collectively evaluated (1) 332,263 243,256 385,218 215,408 49,852 222,834 71,269 — 1,520,100 Loans individually evaluated (2) 2,804 — 54 1,767 214 266 — — 5,105 ( 1 ( 2 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 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: September 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 $ 77 $ 115 $ — $ 212 $ 247 $ — Commercial real estate 54 151 — 71 177 — Construction and land 1,748 1,765 — — 24 — Home equity — — — 26 59 — Auto and other consumer 238 243 — — 77 — Total 2,117 2,274 — 309 584 — With an allowance recorded: One-to-four family 2,727 2,871 32 2,045 2,245 25 Construction and land 19 19 1 22 22 — Home equity 214 216 3 307 329 5 Auto and other consumer 28 28 7 512 512 83 Total 2,988 3,134 43 2,886 3,108 113 Total impaired loans: One-to-four family 2,804 2,986 32 2,257 2,492 25 Commercial real estate 54 151 — 71 177 — Construction and land 1,767 1,784 1 22 46 — Home equity 214 216 3 333 388 5 Auto and other consumer 266 271 7 512 589 83 Total $ 5,105 $ 5,408 $ 43 $ 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 Nine Months Ended September 30, 2022 September 30, 2022 Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized (In thousands) With no allowance recorded: One-to-four family $ 211 $ 1 $ 259 $ 1 Commercial real estate 56 — 63 — Construction and land 583 1 194 1 Home equity — — 3 — Auto and other consumer 239 5 246 14 Total 1,089 7 765 16 With an allowance recorded: One-to-four family 2,258 51 2,138 120 Commercial real estate — — 7 — Construction and land 18 — 21 — Home equity 232 3 273 8 Auto and other consumer 33 1 104 2 Total 2,541 55 2,543 130 Total impaired loans: One-to-four family 2,469 52 2,397 121 Commercial real estate 56 — 70 — Construction and land 601 1 215 1 Home equity 232 3 276 8 Auto and other consumer 272 6 350 16 Total $ 3,630 $ 62 $ 3,308 $ 146 Interest income recognized on a cash basis on impaired loans for the three nine September 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 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 recorded investment in nonaccrual loans by class of loan at the dates indicated: September 30, 2022 December 31, 2021 (In thousands) One-to-four family $ 1,089 $ 494 Commercial real estate 54 71 Construction and land 1,767 22 Home equity 187 282 Auto and other consumer 266 512 Total nonaccrual loans $ 3,363 $ 1,381 Past due loans. not September 30, 2022 90 90 December 31, 2021 The following table presents the recorded investment in past due loans, by class, as of September 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 $ 1,529 $ — $ 623 $ 2,152 $ 332,915 $ 335,067 Multi-family — — — — 243,256 243,256 Commercial real estate — — — — 385,272 385,272 Construction and land — — 1,750 1,750 215,425 217,175 Total real estate loans 1,529 — 2,373 3,902 1,176,868 1,180,770 Consumer: Home equity — — — — 50,066 50,066 Auto and other consumer 1,514 366 154 2,034 221,066 223,100 Total consumer loans 1,514 366 154 2,034 271,132 273,166 Commercial business loans 4 — — 4 71,265 71,269 Total loans $ 3,047 $ 366 $ 2,527 $ 5,940 $ 1,519,265 $ 1,525,205 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 469 368 99 936 181,833 182,769 Total consumer loans 552 368 99 1,019 220,922 221,941 Commercial business loans 7 — — 7 79,831 79,838 Total loans $ 1,638 $ 368 $ 99 $ 2,105 $ 1,355,056 $ 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 September 30, 2022 Pass Watch Special Mention Substandard Total (In thousands) Real Estate: One-to-four family $ 330,386 $ 3,358 $ — $ 1,323 $ 335,067 Multi-family 227,505 15,751 — — 243,256 Commercial real estate 344,907 28,514 10,526 1,325 385,272 Construction and land 201,238 402 13,465 2,070 217,175 Total real estate loans 1,104,036 48,025 23,991 4,718 1,180,770 Consumer: Home equity 49,558 307 14 187 50,066 Auto and other consumer 221,890 847 107 256 223,100 Total consumer loans 271,448 1,154 121 443 273,166 Commercial business loans 64,308 6,610 351 — 71,269 Total loans $ 1,439,792 $ 55,789 $ 24,463 $ 5,161 $ 1,525,205 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 September 30, 2022 Nonperforming Performing Total (In thousands) Real Estate: One-to-four family $ 1,089 $ 333,978 $ 335,067 Multi-family — 243,256 243,256 Commercial real estate 54 385,218 385,272 Construction and land 1,767 215,408 217,175 Consumer: Home equity 187 49,879 50,066 Auto and other consumer 420 222,680 223,100 Commercial business — 71,269 71,269 Total loans $ 3,517 $ 1,521,688 $ 1,525,205 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: September 30, 2022 December 31, 2021 (In thousands) Total TDR loans $ 1,771 $ 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 nine September 30, 2022 2021 There were no TDR loans that incurred a payment default within 12 three nine September 30, 2022 2021 No additional funds were committed to be advanced in connection with TDR loans at September 30, 2022 The following table presents TDR loans by class at the dates indicated by accrual and nonaccrual status: September 30, 2022 Accrual Nonaccrual Total (In thousands) One-to-four family $ 1,714 $ 29 $ 1,743 Home equity 28 — 28 Total TDR loans $ 1,742 $ 29 $ 1,771 |