Finward Bancorp (FNWD) 10-Q 6 May 20 2020 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2020	May 05, 2020
Document Information [Line Items]
Entity Registrant Name	NORTHWEST INDIANA BANCORP
Entity Central Index Key	0000919864
Trading Symbol	nwin
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		3,463,136
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Amendment Flag	false
Title of 12(g) Security	Common Stock, without par value

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
ASSETS
Cash and non-interest bearing deposits in other financial institutions	$ 26,155	$ 20,964
Interest bearing deposits in other financial institutions	15,119	10,750
Federal funds sold	872	15,544
Total cash and cash equivalents	42,146	47,258
Certificates of deposit in other financial institutions	1,741	2,170
Securities available-for-sale	293,387	277,219
Loans held-for-sale	5,375	6,091
Loans receivable	918,962	906,869
Less: allowance for loan losses	(9,511)	(8,999)
Net loans receivable	909,451	897,870
Federal Home Loan Bank stock	3,912	3,912
Accrued interest receivable	4,114	4,029
Premises and equipment	28,927	29,407
Foreclosed real estate	1,032	1,083
Cash value of bank owned life insurance	30,186	30,017
Goodwill	11,109	11,109
Other assets	18,547	18,557
Total assets	1,349,927	1,328,722
Deposits:
Non-interest bearing	185,219	172,094
Interest bearing	976,423	982,276
Total	1,161,642	1,154,370
Repurchase agreements	12,991	11,499
Borrowed funds	14,000	14,000
Accrued expenses and other liabilities	20,639	14,750
Total liabilities	1,209,272	1,194,619
Stockholders' Equity:
Preferred stock, no par or stated value; 10,000,000 shares authorized, none outstanding
Common stock, no par or stated value; 10,000,000 shares authorized; shares issued and outstanding: March 31, 2020 - 3,463,136 December 31, 2019 - 3,451,797
Additional paid-in capital	29,666	29,657
Accumulated other comprehensive income/(loss)	8,686	4,261
Retained earnings	102,303	100,185
Total stockholders' equity	140,655	134,103
Total liabilities and stockholders' equity	$ 1,349,927	$ 1,328,722

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Mar. 31, 2020	Dec. 31, 2019
Preferred stock, par value (in dollars per share)	$ 0	$ 0
Preferred stock, shares authoirzed (in shares)	10,000,000	10,000,000
Preferred stock, shares outstanding (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0	$ 0
Common stock, shares authorized (in shares)	10,000,000	10,000,000
Common stock, shares issued (in shares)	3,463,136	3,451,797
Common stock, shares outstanding (in shares)	3,463,136	3,451,797

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest income:
Real estate loans	$ 9,357	$ 8,748
Commercial loans	1,485	1,684
Consumer loans	187	111
Total loan interest	11,029	10,543
Securities	1,705	1,801
Other interest earning assets	135	143
Total interest income	12,869	12,487
Interest expense:
Deposits	2,064	1,672
Repurchase agreements	40	49
Borrowed funds	94	166
Total interest expense	2,198	1,887
Net interest income	10,671	10,600
Provision for loan losses	514	317
Net interest income after provision for loan losses	10,157	10,283
Noninterest income:
Fees and service charges	1,049	1,162
Gain on sale of loans held-for-sale, net	635	242
Wealth management operations	554	500
Gain on sale of securities, net	510	352
Increase in cash value of bank owned life insurance	169	163
Gain on sale of foreclosed real estate, net	60	27
Other	569	124
Total noninterest income	3,546	2,570
Noninterest expense:
Compensation and benefits	5,217	4,676
Occupancy and equipment	1,409	1,123
Data processing	556	703
Marketing	208	263
Federal deposit insurance premiums	196	91
Other	2,413	3,435
Total noninterest expense	9,999	10,291
Income before income tax expenses	3,704	2,562
Income tax expenses	512	340
Net income	$ 3,192	$ 2,222
Earnings per common share:
Basic (in dollars per share)	$ 0.92	$ 0.66
Diluted (in dollars per share)	0.92	0.66
Dividends declared per common share (in dollars per share)	$ 0.31	$ 0.30

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Net income	$ 3,192	$ 2,222
Net change in net unrealized gains and losses on securities available-for-sale:
Unrealized gains arising during the period	6,112	4,183
Less: reclassification adjustment for gains included in net income	(510)	(352)
Net securities gain/(loss) during the period	5,602	3,831
Tax effect	(1,177)	(798)
Net of tax amount	4,425	3,033
Other comprehensive income/(loss), net of tax	4,425	3,033
Comprehensive income/(loss), net of tax	$ 7,617	$ 5,255

Consolidated Statements of Chan

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	AOCI Attributable to Parent [Member]	Retained Earnings [Member]	Total
Balance at Dec. 31, 2018		$ 11,927	$ (2,796)	$ 92,333	$ 101,464
Net income				2,222	2,222
Net unrealized loss on securities available-for- sale, net of reclassification and tax effects			3,033		3,033
Comprehensive income					5,255
Stock-based compensation expense		71			71
Issuance of shares for acquisition		17,492			17,492
Cash dividends				(1,035)	(1,035)
Balance at Mar. 31, 2019		29,490	237	93,520	123,247
Balance at Dec. 31, 2019		29,657	4,261	100,185	134,103
Net income				3,192	3,192
Net unrealized loss on securities available-for- sale, net of reclassification and tax effects			4,425		4,425
Comprehensive income					7,617
Stock-based compensation expense		94			94
Cash dividends				(1,074)	(1,074)
Net surrender value of restricted stock awards		(85)			(85)
Balance at Mar. 31, 2020		$ 29,666	$ 8,686	$ 102,303	$ 140,655

Consolidated Statements of Ch_2

Consolidated Statements of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Issuance of shares for acquisition (in shares)		416,478
Shares issued per share (in dollars per share)		$ 42
Cash dividends per share (in dollars per share)	$ 0.31	$ 0.30
Shares of restricted stock awards surrendered (in shares)	1,904

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 3,192	$ 2,222
Adjustments to reconcile net income to net cash provided by/(used in) operating activities:
Origination of loans for sale	(24,870)	(9,760)
Sale of loans originated for sale	26,197	9,883
Depreciation and amortization, net of accretion	1,039	731
Amortization of mortgage servicing rights	12	17
Stock based compensation expense	94	71
Net surrender value of restricted stock awards	(85)
Gain on sale of securities, net	(510)	(352)
Gain on sale of loans held-for-sale, net	(635)	(242)
Gain on sale of foreclosed real estate, net	(60)	(27)
Provision for loan losses	514	317
Net change in:
Interest receivable	(85)	(430)
Other assets	(1,155)	(50)
Accrued expenses and other liabilities	5,885	(964)
Total adjustments	6,341	(806)
Net cash - operating activities	9,533	1,416
CASH FLOWS FROM INVESTING ACTIVITIES:
Net proceeds from maturities and (purchases) of certificates of deposits in other financial institutions..	429	(191)
Proceeds from maturities and pay downs of securities available-for-sale	16,671	5,704
Proceeds from sales of securities available-for-sale	17,886	13,518
Purchase of securities available-for-sale	(44,972)	(21,424)
Net change in loans receivable	(12,118)	(12,985)
Purchase of premises and equipment, net	(200)	(44)
Proceeds from sale of foreclosed real estate, net	134	439
Cash and cash equivalents from acquisition activity, net		52,560
Change in cash value of bank owned life insurance	(169)	(163)
Net cash - investing activities	(22,339)	37,414
CASH FLOWS FROM FINANCING ACTIVITIES:
Net change in deposits	7,272	27,641
Proceeds from FHLB advances
Repayment of FHLB advances		(23,000)
Change in other borrowed funds	1,492	1,063
Dividends paid	(1,070)	(909)
Net cash - financing activities	7,694	4,795
Net change in cash and cash equivalents	(5,112)	43,625
Cash and cash equivalents at beginning of period	47,258	17,139
Cash and cash equivalents at end of period	42,146	60,764
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest	2,283	1,907
Income taxes
Acquisition activity:
Fair value of assets acquired, including cash and cash equivalents		172,925
Value of goodwill and other intangible assets		5,491
Fair value of liabilities assumed		145,546
Cash paid for acquisition		15,378
Issuance of common stock for acquisition		17,492
Noncash activities:
Transfers from loans to foreclosed real estate	$ 23	$ 193

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Basis of Accounting [Text Block]	Note 1 The consolidated financial statements include the accounts of NorthWest Indiana Bancorp (the “Bancorp” or “NWIN”), its wholly-owned subsidiaries NWIN Risk Management, Inc. (a captive insurance subsidiary) and Peoples Bank SB (the “Bank”), and the Bank’s wholly-owned subsidiaries, Peoples Service Corporation, NWIN, LLC, NWIN Funding, Incorporated, and Columbia Development Company, LLC. The Bancorp’s business activities include being a holding company for the Bank as well as a holding company for NWIN Risk Management, Inc. The Bancorp’s earnings are primarily dependent upon the earnings of the Bank. The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10 not March 31, 2020 December 31, 2019, three March 31, 2020 2019. three March 31, 2020 not

Note 2 - Use of Estimates

Note 2 - Use of Estimates	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Use of Estimates [Text Block]	Note 2 Preparing financial statements in conformity with U.S. generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets, liabilities and disclosure of contingent assets and liabilities at the date of the consolidated financial statements and the reported amounts of revenue and expenses during the reporting period, as well as the disclosures provided. Actual results could differ from those estimates. Estimates associated with the allowance for loan losses, fair values of foreclosed real estate, investment securities, deferred tax assets, goodwill, and the status of contingencies are particularly susceptible to material change in the near term. In December 2019, 19 March 2020, 19 19 Currently, the Bancorp does not 19 not The Bancorp is working with customers directly affected by COVID- 19. 19 19 In addition, COVID- 19 no

Note 3 - Acquisition Activity

Note 3 - Acquisition Activity	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Business Combination Disclosure [Text Block]	Note 3 On January 24, 2019, July 30, 2018 In connection with the AJSB Merger, each AJSB stockholder holding 100 0.2030 $7.20 100 $16.00 no $43.01. The Bancorp issued 416,478 $15.7 January 23, 2019, $33.2 2019 $2.1 22 Under the acquisition method of accounting, the total purchase price is allocated to net tangible and intangible assets based on their current estimated fair values on the date of the acquisition. Based on the valuations of the fair value of tangible and intangible assets acquired and liabilities assumed, the final purchase price for the AJSB acquisition is allocated as follows: ASSETS Cash and due from banks $ 68,303 Investment securities, available for sale 3,432 Commercial 712 Residential mortgage 85,635 Multifamily 1,442 Consumer 57 Total Loans 87,846 Premises and equipment, net 3,542 FHLB stock 512 Goodwill 2,939 Core deposit intangible 2,917 Interest receivable 351 Other assets 8,939 Total assets purchased $ 178,781 Common shares issued 17,492 Cash paid 15,743 Total purchase price 33,235 LIABILITIES Deposits Non-interest bearing $ 24,502 NOW accounts 10,712 Savings and money market 68,875 Certificates of deposits 40,137 Total Deposits 144,226 Interest payable 50 Other liabilities 1,270 Total liabilities assumed $ 145,546

Note 4 - Securities

Note 4 - Securities	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	Note 4 The estimated fair value of available-for-sale securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income were as follows: (Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value March 31, 2020 Money market fund $ 16,553 $ - $ - $ 16,553 Collateralized mortgage obligations and residential mortgage-backed securities 152,859 6,142 (63 ) 158,938 Municipal securities 110,790 6,359 (26 ) 117,123 Collateralized debt obligations 2,197 - (1,424 ) 773 Total securities available-for-sale $ 282,399 $ 12,501 $ (1,513 ) $ 293,387 (Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value December 31, 2019 Money market fund $ 9,670 $ - $ - $ 9,670 U.S. government sponsored entities 12,994 64 - 13,058 Collateralized mortgage obligations and residential mortgage-backed securities 149,339 1,745 (96 ) 150,988 Municipal securities 97,628 4,844 (45 ) 102,427 Collateralized debt obligations 2,202 - (1,126 ) 1,076 Total securities available-for-sale $ 271,833 $ 6,653 $ (1,267 ) $ 277,219 The estimated fair value of available-for-sale debt securities at March 31, 2020, not (Dollars in thousands) Available-for-sale Estimated Fair Tax-Equivalent March 31, 2020 Value Yield (%) Due in one year or less $ 16,903 6.17 Due from one to five years 3,122 4.79 Due from five to ten years 4,554 4.39 Due over ten years 109,870 3.93 Collateralized mortgage obligations and residential mortgage-backed securities 158,938 2.25 Total $ 293,387 3.17 Sales of available-for-sale securities were as follows for the three (Dollars in thousands) March 31, March 31, 2020 2019 Proceeds $ 17,886 $ 13,518 Gross gains 513 356 Gross losses (3 ) (4 ) Accumulated other comprehensive income/(loss) balances, net of tax, related to available-for-sale securities, were as follows: (Dollars in thousands) Unrealized Ending balance, December 31, 2019 $ 4,261 Current period change 4,425 Ending balance, March 31, 2020 $ 8,686 Securities with carrying values of approximately $54.5 $65.5 March 31, 2020, December 31, 2019, Securities with gross unrealized losses at March 31, 2020, December 31, 2019, not (Dollars in thousands) Less than 12 months 12 months or longer Total Estimated Estimated Estimated Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses March 31, 2020 Collateralized mortgage obligations and residential mortgage-backed securities 2,480 (63 ) - - 2,480 (63 ) Municipal securities 3,578 (26 ) - - 3,578 (26 ) Collateralized debt obligations - - 773 (1,424 ) 773 (1,424 ) Total temporarily impaired $ 6,058 $ (89 ) $ 773 $ (1,424 ) $ 6,831 $ (1,513 ) Number of securities 5 2 7 (Dollars in thousands) Less than 12 months 12 months or longer Total Estimated Estimated Estimated Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses December 31, 2019 U.S. government sponsored entities $ - $ - $ - $ - $ - $ - Collateralized mortgage obligations and residential mortgage-backed securities 8,859 (31 ) 15,065 (65 ) 23,924 (96 ) Municipal securities 4,367 (45 ) - - 4,367 (45 ) Collateralized debt obligations - - 1,076 (1,126 ) 1,076 (1,126 ) Total temporarily impaired $ 13,226 $ (76 ) $ 16,141 $ (1,191 ) $ 29,367 $ (1,267 ) Number of securities 11 17 28 Unrealized losses on securities have not

Note 5 - Loans Receivable

Note 5 - Loans Receivable	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 5 - Loans Receivable Loans receivable are summarized below: (Dollars in thousands) March 31, 2020 December 31, 2019 Loans secured by real estate: Residential real estate $ 303,872 $ 299,569 Home equity 48,690 49,118 Commercial real estate 280,018 283,108 Construction and land development 95,696 87,710 Multifamily 51,897 51,286 Farmland 224 227 Total loans secured by real estate 780,397 771,018 Commercial business 105,337 103,222 Consumer 600 627 Manufactured homes 14,093 13,285 Government 14,944 15,804 Subtotal 915,371 903,956 Less: Net deferred loan origination fees 3,314 2,934 Undisbursed loan funds 277 (21 ) Loans receivable $ 918,962 $ 906,869 (Dollars in thousands) Beginning Banlance Charge-offs Recoveries Provisions Ending Balance The Bancorp's activity in the allowance for loan losses, by loan segment, is summarized below for the three months ended March 31, 2020: Allowance for loan losses: Residential real estate $ 1,812 $ - $ 6 $ 10 $ 1,828 Home equity 223 - - 23 246 Commercial real estate 3,773 - - (80 ) 3,693 Construction and land development 1,098 - - 125 1,223 Multifamily 529 - - 33 562 Farmland - - - - - Commercial business 1,504 - 1 396 1,901 Consumer 43 (12 ) 3 8 42 Manufactured homes - - - - - Government 17 - - (1 ) 16 Total $ 8,999 $ (12 ) $ 10 $ 514 $ 9,511 The Bancorp's activity in the allowance for loan losses, by loan segment, is summarized below for the three months ended March 31, 2019: Allowance for loan losses: Residential real estate $ 1,715 $ (48 ) $ 14 $ (1 ) $ 1,680 Home equity 202 - - (8 ) 194 Commercial real estate 3,335 - - 150 3,485 Construction and land development 756 - - 21 777 Multifamily 472 - - (38 ) 434 Farmland - - - - - Commercial business 1,362 - 6 23 1,391 Consumer 82 (18 ) 3 187 254 Manufactured homes - - - - - Government 38 - - (17 ) 21 Total $ 7,962 $ (66 ) $ 23 $ 317 $ 8,236 A deferred cost reserve is maintained for the portfolio of manufactured home loans that have been purchased. This reserve is available for use for manufactured home loan nonperformance and costs associated with nonperformance. If the segment performs in line with expectation, the deferred cost reserve is paid as an origination cost to the third $2.1 $1.9 March 31, 2020 December 31, 2019, The Bancorp's impairment analysis is summarized below: Ending Balances (Dollars in thousands) Individually evaluated for impairment reserves Collectively evaluated for impairment reserves Loan receivables Loan individually evaluated for impairment Purchased credit impaired loans individually evaluated for impairment Collectively evaluated for impairment The Bancorp's allowance for loan losses impairment evaluation and loan receivables are summarized below at March 31, 2020: Residential real estate $ 5 $ 1,823 $ 303,935 $ 668 $ 1,487 $ 301,780 Home equity 4 242 48,750 214 145 48,391 Commercial real estate 3 3,690 280,018 1,023 488 278,507 Construction and land development - 1,223 95,696 - - 95,696 Multifamily - 562 51,897 119 663 51,115 Farmland - - 224 - - 224 Commercial business 365 1,536 105,188 1,190 1,154 102,844 Consumer - 42 600 - - 600 Manufactured homes - - 17,710 - - 17,710 Government - 16 14,944 - - 14,944 Total $ 377 $ 9,134 $ 918,962 $ 3,214 $ 3,937 $ 911,811 The Bancorp's allowance for loan losses impairment evaluation and loan receivables are summarized below at December 31, 2019: Residential real estate $ 10 $ 1,802 $ 299,333 $ 642 $ 1,581 $ 297,110 Home equity 4 219 49,181 221 216 48,744 Commercial real estate - 3,773 283,108 1,078 487 281,543 Construction and land development - 1,098 87,710 - - 87,710 Multifamily - 529 51,286 129 673 50,484 Farmland - - 227 - - 227 Commercial business 152 1,352 103,088 1,041 1,150 100,897 Consumer - 43 627 - - 627 Manufactured homes - - 16,505 - - 16,505 Government - 17 15,804 - - 15,804 Total $ 166 $ 8,833 $ 906,869 $ 3,111 $ 4,107 $ 899,651 The Bancorp's credit quality indicators are summarized below at March 31, 2020 December 31, 2019: Credit Exposure - Credit Risk Portfolio By Creditworthiness Category March 31, 2020 (Dollars in thousands) 2 3 4 5 6 7 8 Loan Segment Moderate Above average acceptable Acceptable Marginally acceptable Pass/monitor Special mention Substandard Total Residential real estate $ 1,111 $ 122,215 $ 107,271 $ 13,578 $ 51,427 $ 3,820 $ 4,513 $ 303,935 Home equity 153 6,781 39,489 259 825 739 504 48,750 Commercial real estate - 2,312 72,707 139,436 54,255 7,770 3,538 280,018 Construction and land development... - 1,002 28,731 51,273 14,690 - - 95,696 Multifamily - 888 17,661 27,661 4,904 - 783 51,897 Farmland - - - - 224 - - 224 Commercial business 8,319 16,659 18,039 39,222 19,916 1,818 1,215 105,188 Consumer 103 2 495 - - - - 600 Manufactured homes 3,617 2,253 10,832 182 826 - - 17,710 Government - 1,775 10,759 2,410 - - - 14,944 Total $ 13,303 $ 153,887 $ 305,984 $ 274,021 $ 147,067 $ 14,147 $ 10,553 $ 918,962 December 31, 2019 (Dollars in thousands) 2 3 4 5 6 7 8 Loan Segment Moderate Above average acceptable Acceptable Marginally acceptable Pass/monitor Special mention Substandard Total Residential real estate $ 827 $ 119,138 $ 104,153 $ 13,463 $ 53,058 $ 4,203 $ 4,491 $ 299,333 Home equity 100 6,536 40,027 264 934 813 507 49,181 Commercial real estate - 2,030 82,158 135,058 56,917 5,380 1,565 283,108 Construction and land development - 719 26,900 45,751 14,340 - - 87,710 Multifamily - 903 18,107 26,800 4,674 - 802 51,286 Farmland - - - - 227 - - 227 Commercial business 8,312 13,158 19,638 39,016 20,009 2,228 727 103,088 Consumer 90 - 537 - - - - 627 Manufactured homes 3,221 2,413 9,825 184 862 - - 16,505 Government - 1,889 11,505 2,410 - - - 15,804 Total $ 12,550 $ 146,786 $ 312,850 $ 262,946 $ 151,021 $ 12,624 $ 8,092 $ 906,869 The Bancorp has established a standard loan grading system to assist management, lenders and review personnel in their analysis and supervision of the loan portfolio. The use and application of these grades by the Bancorp is uniform and conforms to regulatory definitions. The loan grading system is as follows: 1 Borrower demonstrates exceptional credit fundamentals, including stable and predictable profit margins, strong liquidity and a conservative balance sheet with superior asset quality. Excellent cash flow coverage of existing and projected debt service. Historic and projected performance indicates borrower is able to meet obligations under almost any economic circumstances. 2 Borrower consistently internally generates sufficient cash flow to fund debt service, working assets, and some capital expenditures. Risk of default considered low. 3 Borrower generates sufficient cash flow to fund debt service and some working assets and/or capital expansion needs. Profitability and key balance sheet ratios are at or slightly above peers. Current trends are positive or stable. Earnings may may 4 Borrower generates sufficient cash flow to fund debt service, but most working asset and all capital expansion needs are provided from external sources. Profitability ratios and key balance sheet ratios are usually close to peers but one may may three may 5 Borrower may may not 6 The borrower has significant weaknesses resulting from performance trends or management concerns. The financial condition of the company has taken a negative turn and may may 7 Special mention credits are considered bankable assets with no not 8 This classification consists of loans which are inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged. Financial statements normally reveal some or all of the following: poor trends, lack of earnings and cash flow, excessive debt, lack of liquidity, and the absence of creditor protection. Loans are still considered collectible, but due to increased risks and defined weaknesses of the credit, some loss could be incurred in collection if the deficiencies are not Performing loans are loans that are paying as agreed and are approximately less than ninety During the first three 2020, one $149 one $53 One $312 not The Bancorp's individually evaluated impaired loans are summarized below: For the three months ended As of March 31, 2020 March 31, 2020 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 2,103 $ 3,488 $ - $ 2,122 $ 24 Home equity 351 371 - 390 5 Commercial real estate 1,493 2,084 - 1,520 13 Construction and land development - - - - - Multifamily 782 864 - 792 7 Farmland - - - - - Commercial business 1,486 1,560 - 1,650 17 Consumer - - - - - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 52 $ 52 $ 5 $ 68 $ 1 Home equity 8 8 4 8 - Commercial real estate 18 18 3 18 - Construction and land development - - - - - Multifamily - - - - - Farmland - - - - - Commercial business 858 858 365 618 3 Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 2,155 $ 3,540 $ 5 $ 2,190 $ 25 Home equity $ 359 $ 379 $ 4 $ 398 $ 5 Commercial real estate $ 1,511 $ 2,102 $ 3 $ 1,538 $ 13 Construction & land development $ - $ - $ - $ - $ - Multifamily $ 782 $ 864 $ - $ 792 $ 7 Farmland $ - $ - $ - $ - $ - Commercial business $ 2,344 $ 2,418 $ 365 $ 2,268 $ 20 Consumer $ - $ - $ - $ - $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ - For the three months ended As of December 31, 2019 March 31, 2019 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 2,140 $ 3,555 $ - $ 1,578 $ 14 Home equity 429 451 - 328 2 Commercial real estate 1,547 2,141 - 1,650 19 Construction & land development - - - - - Multifamily 802 884 - - - Farmland - - - - - Commercial business 1,814 1,906 - 1,668 21 Consumer - - - - - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 83 $ 83 $ 10 $ 160 $ 2 Home equity 8 8 4 57 1 Commercial real estate 18 18 - 481 - Construction & land development - - - - - Multifamily - - - - - Farmland - - - - - Commercial business 377 377 152 48 - Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 2,223 $ 3,638 $ 10 $ 1,738 $ 16 Home equity $ 437 $ 459 $ 4 $ 385 $ 3 Commercial real estate $ 1,565 $ 2,159 $ - $ 2,131 $ 19 Construction & land development $ - $ - $ - $ - $ - Multifamily $ 802 $ 884 $ - $ - $ - Farmland $ - $ - $ - $ - $ - Commercial business $ 2,191 $ 2,283 $ 152 $ 1,716 $ 21 Consumer $ - $ - $ - $ - $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ - The Bancorp's age analysis of past due loans is summarized below: (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Total Past Due Current Total Loans Recorded Investments Greater than 90 Days Past Due and Accruing March 31, 2020 Residential real estate $ 4,708 $ 1,413 $ 3,267 $ 9,388 $ 294,547 $ 303,935 $ 348 Home equity 593 129 374 1,096 47,654 48,750 - Commercial real estate 5,935 1,363 531 7,829 272,189 280,018 60 Construction and land development. 664 - - 664 95,032 95,696 - Multifamily 339 119 106 564 51,333 51,897 75 Farmland - - - - 224 224 - Commercial business 1,636 286 1,742 3,664 101,524 105,188 654 Consumer 7 - - 7 593 600 - Manufactured homes 152 16 - 168 17,542 17,710 - Government - - - - 14,944 14,944 - Total $ 14,034 $ 3,326 $ 6,020 $ 23,380 $ 895,582 $ 918,962 $ 1,137 December 31, 2019 Residential real estate $ 3,486 $ 1,332 $ 3,724 $ 8,542 $ 290,791 $ 299,333 $ 452 Home equity 90 24 388 502 48,679 49,181 19 Commercial real estate 1,461 170 719 2,350 280,758 283,108 61 Construction and land development 143 289 - 432 87,278 87,710 - Multifamily 140 - 160 300 50,986 51,286 - Farmland - - - - 227 227 - Commercial business 926 583 870 2,379 100,709 103,088 288 Consumer - - - - 627 627 - Manufactured homes 63 36 46 145 16,360 16,505 46 Government - - - - 15,804 15,804 - Total $ 6,309 $ 2,434 $ 5,907 $ 14,650 $ 892,219 $ 906,869 $ 866 The Bancorp's loans on nonaccrual status are summarized below: (Dollars in thousands) March 31, 2020 December 31, 2019 Residential real estate $ 4,498 $ 4,374 Home equity 470 473 Commercial real estate 472 658 Construction and land development - - Multifamily 410 420 Farmland - - Commercial business 1,088 582 Consumer - - Manufactured homes - - Government - - Total $ 6,938 $ 6,507 As a result of acquisition activity, the Bancorp acquired loans for which there was evidence of credit quality deterioration since origination and it was determined that it was probable that the Bancorp would be unable to collect all contractually required principal and interest payments. At March 31, 2020, $6.1 $3.9 December 31, 2019, $6.3 $4.1 Accretable interest taken from the purchase credit impaired portfolio, or income recorded for the three months ended March 31, 2020, is as follows: (dollars in thousands) First Personal 2019 $ 62 2020 29 Accretable interest taken from the purchase credit impaired portfolio, or income expected to be recorded in the future is as follows: (dollars in thousands) First Personal 2020 68 2021 23 Total $ 91 For the acquisitions of First Federal Savings & Loan (“First Federal”), Liberty Savings Bank (“Liberty Savings”), First Personal Bank (“First Personal”), and A.J. Smith Federal Savings Bank, as part of the fair value of loans receivable, a net fair value discount was established for loans as summarized below: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Net fair value discount Accretable period in months Net fair value discount Accretable period in months Net fair value discount Accretable period in months Net fair value discount Accretable period in months Residential real estate $ 1,062 59 $ 1,203 44 $ 948 56 $ 3,734 52 Home equity 44 29 5 29 51 50 141 32 Commercial real estate - - - - 208 56 8 9 Construction and land development - - - - 1 30 - - Multifamily - - - - 11 48 2 48 Consumer - - - - 146 50 1 5 Commercial business - - - - 348 24 - - Purchased credit impaired loans - - - - 424 32 - - Total $ 1,106 $ 1,208 $ 2,137 $ 3,886 Accretable yield, or income recorded for the three months ended March 31, is as follows: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Total 2019 $ 22 $ 42 $ 203 $ 155 $ 422 2020 - - 115 245 $ 361 Accretable yield, or income expected to be recorded in the future is as follows: (dollars in thousands) First Federal Liberyy Savings First Personal AJSB Total 2020 $ - $ - $ 281 $ 585 $ 866 2021 - - 333 780 1,113 2022 - - 323 780 1,103 2023 - - 73 322 395 Total $ - $ - $ 1,010 $ 2,467 $ 3,477

Note 6 - Foreclosed Real Estate

Note 6 - Foreclosed Real Estate	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Real Estate Disclosure [Text Block]	Note 6 - Foreclosed Real Estate Foreclosed real estate at period-end is summarized below: ( Dollars in thousands March 31, 2020 December 31, 2019 Residential real estate $ 906 $ 957 Commercial real estate 126 126 Total $ 1,032 $ 1,083

Note 7 - Intangibles and Acquis

Note 7 - Intangibles and Acquisition Related Accounting	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 7 – Intangible s and Acquisition Related Accounting The Bancorp established a goodwill balance totaling $11.1 $2.9 $5.4 $2.0 $804 not $11.1 March 31, 2020 December 31, 2019. In addition to goodwill, a core deposit intangible of $93 7.9 $471 8.2 $3.0 6.4 $2.9 6.5 Amortization recorded for the three months ended March 31, 2020 is as follows: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Total Current period $ 3 $ 14 $ 119 $ 112 $ 248 Amortization to be recorded in future periods, is as follows: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Total Remainder 2020 9 44 356 337 746 2021 12 58 475 449 994 2022 1 58 475 449 983 2023 - 38 475 449 962 2024 - - 470 449 919 2025 - - - 261 261 2026 - - - - Total $ 22 $ 198 $ 2,251 $ 2,394 $ 4,865 For the AJSB acquisition, as part of the fair value of certificates of deposit, a fair value premium was established of $174 14 $34 three March 31, 2020. March 31, 2020.

Note 8 - Concentrations of Cred

Note 8 - Concentrations of Credit Risk	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 8 The primary lending area of the Bancorp encompasses Lake County in northwest Indiana and Cook County in northeast Illinois, where collectively a majority of loan activity is concentrated. The Bancorp is also an active lender in Porter County, and to a lesser extent, LaPorte, Newton and Jasper counties in Indiana; and DuPage, Lake, and Will counties in Illinois. Substantially all loans are secured by specific items of collateral including residences, commercial real estate, land development, business assets and consumer assets.

Note 9 - Earnings per Share

Note 9 - Earnings per Share	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 9 Earnings per common share is computed by dividing net income by the weighted-average number of common shares outstanding. A reconciliation of the numerators and denominators of the basic and diluted earnings per common share computations for the three March 31, 2020, 2019 Three Months Ended (Dollars in thousands, except per share data) March 31, 2020 2019 Basic earnings per common share: Net income as reported $ 3,192 $ 2,222 Weighted average common shares outstanding 3,458,505 3,343,183 Basic earnings per common share $ 0.92 $ 0.66 Diluted earnings per common share: Net income as reported $ 3,192 $ 2,222 Weighted average common shares outstanding 3,458,505 3,343,183 Add: Dilutive effect of assumed stock option exercises - - Weighted average common and dilutive potential common shares outstanding 3,458,505 3,343,183 Diluted earnings per common share $ 0.92 $ 0.66

Note 10 - Stock Based Compensat

Note 10 - Stock Based Compensation	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Share-based Payment Arrangement [Text Block]	Note 10 The Bancorp’s 2015 February 27, 2015, April 24, 2015, 250,000 may As required by the Stock Compensation Topic, companies are required to record compensation cost for stock options and awards provided to employees in return for employment service. For the three March 31, 2020, $94 $71 three March 31, 2019. $902 2023 $322 2020, $339 2021, $209 2022, $32 2023. There were no first three 2020 2019. March 31, 2020, no There were 13,243 first three 2020 7,407 first three 2019. three five December 31, 2019, three March 31, 2020, Non-vested Shares Shares Weighted Non-vested at January 1, 2019 27,423 $ 32.58 Granted 7,407 43.00 Vested (4,625 ) 29.37 Forfeited - - Non-vested at December 31, 2019 30,205 $ 35.63 Non-vested at January 1, 2020 30,205 $ 35.63 Granted 13,243 44.30 Vested (6,400 ) 27.50 Forfeited - - Non-vested at March 31, 2020 37,048 $ 40.13

Note 11 - Change in Accounting

Note 11 - Change in Accounting Principles	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	Note 1 1 – Change in Accounting Principles In January 2017, 2017 04, 350 2 2 2, No. 2017 04, 1 2 not No. 2017 04 zero 2 December 31, 2020, January 1, 2020. not not In March 2017, 2017 08, 310 20 not, December 31, 2019, January 1, 2019. not

Note 12 - Upcoming Accounting S

Note 12 - Upcoming Accounting Standards	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Description of New Accounting Pronouncements Not yet Adopted [Text Block]	Note 12 In June 2016, No. 2016 13, October 2019, December 15, 2022, December 31, 2023. first December 15, 2018,

Note 13 - Derivative Financial

Note 13 - Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	Note 13 The Bancorp has certain interest rate derivative positions that are not not not not The Bancorp enters into commitments to originate loans whereby the interest rate on the loan is determined prior to funding (i.e., interest rate lock commitment). The interest rate lock commitments are considered derivatives and are recorded on the accompanying consolidated balance sheets at fair value in accordance with FASB ASC 815, The following table shows the amounts of non-hedging derivative financial instruments: March 31, 2020 Notational or contractual Asset derivatives Liability derivatives (Dollars in thousands) amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 29,214 Other assets $ 3,282 Other liabilties $ 3,282 Loan commitments 52,163 Other assets 704 N/A - Total $ 81,377 $ 3,986 $ 3,282 December 31, 2019 Notational or contractual Asset derivatives Liability derivatives (Dollars in thousands) amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 29,466 Other assets $ 1,358 Other liabilties $ 1,358 Loan commitments 12,822 Other assets 186 N/A - Total $ 42,288 $ 1,544 $ 1,358 The following table shows the amounts included in the Statements of Income for non-hedging derivative financial instruments: Three Months Ended March 31, (Dollars in thousands) Statement of Income Classification 2020 2019 Interest rate swap contracts Other income $ - $ 220 Loan commitments Other income 518 - Total $ 518 $ 220 The following table shows the offsetting of financial assets and derivative assets: Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Assets Presented Cash (Dollars in thousands) Recognized Assets Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Received Net Amount March 31, 2020 Interest rate swap contracts $ 3,282 $ - $ 3,282 $ - $ - $ 3,282 Loan commitments 704 - 704 - - 704 Total $ 3,986 $ - $ 3,986 $ - $ - $ 3,986 Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Liabilities Presented Cash (Dollars in thousands) Recognized Liabilities Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Received Net Amount December 31, 2019 Interest rate swap contracts $ 1,358 $ - $ 1,358 $ - $ - $ 1,358 Loan commitments 186 - 186 - - 186 Total $ 1,544 $ - $ 1,544 $ - $ - $ 1,544 The following table shows the offsetting of financial liabilities and derivative liabilities: Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Liabilities Presented Cash (Dollars in thousands) Recognized Liabilities Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Pledged Net Amount March 31, 2020 Interest rate swap contracts $ 3,282 $ - $ 3,282 $ - $ 3,350 $ (68 ) Total $ 3,282 $ - $ 3,282 $ - $ 3,350 $ (68 ) Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Liabilities Presented Cash (Dollars in thousands) Recognized Liabilities Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Pledged Net Amount December 31, 2019 Interest rate swap contracts $ 1,358 $ - $ 1,358 $ - $ 2,290 $ (932 ) Total $ 1,358 $ - $ 1,358 $ - $ 2,290 $ (932 )

Note 14 - Fair Value

Note 14 - Fair Value	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 1 4 - Fair Value The Fair Value Measurements Topic establishes a hierarchy that requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The Topic describes three may Level 1: Level 2: 1 not Level 3: The fair values of securities available-for-sale are determined on a recurring basis by obtaining quoted prices on nationally recognized securities exchanges or pricing models utilizing significant observable inputs such as matrix pricing, which is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities. Different judgments and assumptions used in pricing could result in different estimates of value. In certain cases where market data is not may 3 At the end of each reporting period, securities held in the investment portfolio are evaluated on an individual security level for other-than-temporary impairment in accordance with GAAP. Impairment is other-than-temporary if the decline in the fair value is below its amortized cost and it is probable that all amounts due according to the contractual terms of a debt security will not 1 2 not The Bancorp’s management utilizes a specialist to perform an other-than-temporary impairment analysis for each of its pooled trust preferred securities. The analysis is performed annually during December no December 31, 2019. December 31, 2020. The table below shows the credit loss roll forward on a year-to-date basis for the Bancorp’s pooled trust preferred securities that have been classified with other-than-temporary impairment: (Dollars in Thousands) Collateralized debt obligations other-than-temporary (Dollars in thousands) impairment Ending balance, December 31, 2019 $ 173 Additions not previously recognized - Ending balance, March 31, 2020 $ 173 At March 31, 2020, $2.2 not not Assets and Liabilities Measured at Fair Value on a Recurring Basis There were no 1 2 three March 31, 2020. Fair Value Measurements at March 31, 2020 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Available-for-sale debt securities: Money market fund $ 16,553 $ 16,553 $ - $ - residential mortgage-backed securities 158,938 - 158,938 - Municipal securities 117,123 - 117,123 - Collateralized debt obligations 773 - - 773 Total securities available-for-sale $ 293,387 $ 16,553 $ 276,061 $ 773 Fair Value Measurements at December 31, 2019 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Available-for-sale debt securities: Money market fund $ 9,670 $ 9,670 $ - $ - U.S. government sponsored entities 13,058 - 13,058 - Collateralized mortgage obligations and residential mortgage-backed securities 150,988 - 150,988 - Municipal securities 102,427 - 102,427 - Collateralized debt obligations 1,076 - - 1,076 Total securities available-for-sale $ 277,219 $ 9,670 $ 266,473 $ 1,076 A roll forward of available-for-sale securities, which require significant adjustment based on unobservable data, are presented in the following table: (Dollars in thousands) Estimated Fair Value Available-for- Beginning balance, January 1, 2019 $ 2,049 Principal payments (38 ) Total unrealized gains, included in other comprehensive income 52 Transfers in and/or (out) of Level 3 (987 ) Ending balance, December 31, 2019 $ 1,076 Beginning balance, January 1, 2020 $ 1,076 Principal payments (5 ) Total unrealized losses, included in other comprehensive income (298 ) Sale out of Level 3 - Ending balance, March 31, 2020 $ 773 Assets measured at fair value on a non-recurring basis are summarized below: (Dollars in thousands) Fair Value Measurements at March 31, 2020 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 6,774 $ - $ - $ 6,774 Foreclosed real estate 1,032 - - 1,032 (Dollars in thousands) Fair Value Measurements at December 31, 2019 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 7,052 $ - $ - $ 7,052 Foreclosed real estate 1,083 - - 1,083 The fair value of impaired loans with specific allocations of the allowance for loan losses or loans for which charge-offs have been taken is generally based on a present value of cash flows or, for collateral dependent loans, based on recent real estate appraisals. Appraisals may $7.2 $377 $6.8 March 31, 2020. $7.2 $166 $7.1 December 31, 2019. 2 3 not The following table shows carrying values and related estimated fair values of financial instruments as of the dates indicated. Estimated fair values are further categorized by the inputs used to measure fair value. Items that are not not March 31, 2020 Estimated Fair Value Measurements at March 31, 2020 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Significant Significant Financial assets: Cash and cash equivalents $ 42,146 $ 42,146 $ 42,146 $ - $ - Certificates of deposit in other financial institutions 1,741 1,715 - 1,715 - Securities available-for-sale 293,387 293,387 16,553 276,061 773 Loans held-for-sale 5,375 5,553 5,553 - - Loans receivable, net 909,451 904,358 - - 904,358 Federal Home Loan Bank stock 3,912 3,912 - 3,912 - Interest rate swap agreements 3,282 3,282 - 3,282 - Accrued interest receivable 4,114 4,114 - 4,114 - Financial liabilities: Non-interest bearing deposits 185,219 185,219 185,219 - - Interest bearing deposits 976,423 978,115 661,953 316,162 - Repurchase agreements 12,991 12,999 11,213 1,786 - Borrowed funds 14,000 14,197 - 14,197 - Interest rate swap agreements 3,282 3,282 - 3,282 - Accrued interest payable 94 94 - 94 - December 31, 2019 Estimated Fair Value Measurements at December 31, 2019 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Significant Significant Financial assets: Cash and cash equivalents $ 47,258 $ 47,258 $ 47,258 $ - $ - Certificates of deposit in other financial institutions 2,170 2,137 - 2,137 - Securities available-for-sale 277,219 277,219 9,670 266,473 1,076 Loans held-for-sale 6,091 6,204 6,204 - - Loans receivable, net 897,870 917,174 - - 917,174 Federal Home Loan Bank stock 3,912 3,912 - 3,912 - Interest rate swap agreements 1,358 1,358 - 1,358 - Accrued interest receivable 4,029 4,029 - 4,029 - Financial liabilities: Non-interest bearing deposits 172,094 172,094 172,094 - - Interest bearing deposits 982,276 982,241 654,573 327,668 - Repurchase agreements 11,499 11,499 9,721 1,778 - Borrowed funds 14,000 14,108 - 14,108 - Interest rate swap agreements 1,358 1,358 - 1,358 - Accrued interest payable 179 179 - 179 - The following methods were used to estimate the fair value of financial instruments presented in the preceding table for the periods ended March 31, 2020, December 31, 2019: Cash and cash equivalent carrying amounts approximate fair value. Certificates of deposits in other financial institutions carrying amounts approximate fair value (Level 2 2 third 3 1 3 third 2 Non-interest and interest bearing deposits, which include checking, savings, and money market deposits, are estimated to have fair values based on the amount payable as of the reporting date (Level 1 2 1 three 2 1 2 not

Note 3 - Acquisition Activity (

Note 3 - Acquisition Activity (Tables)	3 Months Ended
	Mar. 31, 2020
AJS Bancorp, Inc [Member]
Notes Tables
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]	ASSETS Cash and due from banks $ 68,303 Investment securities, available for sale 3,432 Commercial 712 Residential mortgage 85,635 Multifamily 1,442 Consumer 57 Total Loans 87,846 Premises and equipment, net 3,542 FHLB stock 512 Goodwill 2,939 Core deposit intangible 2,917 Interest receivable 351 Other assets 8,939 Total assets purchased $ 178,781 Common shares issued 17,492 Cash paid 15,743 Total purchase price 33,235 LIABILITIES Deposits Non-interest bearing $ 24,502 NOW accounts 10,712 Savings and money market 68,875 Certificates of deposits 40,137 Total Deposits 144,226 Interest payable 50 Other liabilities 1,270 Total liabilities assumed $ 145,546

Note 4 - Securities (Tables)

Note 4 - Securities (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Available-for-sale Securities [Table Text Block]	(Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value March 31, 2020 Money market fund $ 16,553 $ - $ - $ 16,553 Collateralized mortgage obligations and residential mortgage-backed securities 152,859 6,142 (63 ) 158,938 Municipal securities 110,790 6,359 (26 ) 117,123 Collateralized debt obligations 2,197 - (1,424 ) 773 Total securities available-for-sale $ 282,399 $ 12,501 $ (1,513 ) $ 293,387 (Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value December 31, 2019 Money market fund $ 9,670 $ - $ - $ 9,670 U.S. government sponsored entities 12,994 64 - 13,058 Collateralized mortgage obligations and residential mortgage-backed securities 149,339 1,745 (96 ) 150,988 Municipal securities 97,628 4,844 (45 ) 102,427 Collateralized debt obligations 2,202 - (1,126 ) 1,076 Total securities available-for-sale $ 271,833 $ 6,653 $ (1,267 ) $ 277,219
Investments Classified by Contractual Maturity Date [Table Text Block]	(Dollars in thousands) Available-for-sale Estimated Fair Tax-Equivalent March 31, 2020 Value Yield (%) Due in one year or less $ 16,903 6.17 Due from one to five years 3,122 4.79 Due from five to ten years 4,554 4.39 Due over ten years 109,870 3.93 Collateralized mortgage obligations and residential mortgage-backed securities 158,938 2.25 Total $ 293,387 3.17
Schedule of Realized Gain (Loss) [Table Text Block]	(Dollars in thousands) March 31, March 31, 2020 2019 Proceeds $ 17,886 $ 13,518 Gross gains 513 356 Gross losses (3 ) (4 )
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	(Dollars in thousands) Unrealized Ending balance, December 31, 2019 $ 4,261 Current period change 4,425 Ending balance, March 31, 2020 $ 8,686
Unrealized Gain (Loss) on Investments [Table Text Block]	(Dollars in thousands) Less than 12 months 12 months or longer Total Estimated Estimated Estimated Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses March 31, 2020 Collateralized mortgage obligations and residential mortgage-backed securities 2,480 (63 ) - - 2,480 (63 ) Municipal securities 3,578 (26 ) - - 3,578 (26 ) Collateralized debt obligations - - 773 (1,424 ) 773 (1,424 ) Total temporarily impaired $ 6,058 $ (89 ) $ 773 $ (1,424 ) $ 6,831 $ (1,513 ) Number of securities 5 2 7 (Dollars in thousands) Less than 12 months 12 months or longer Total Estimated Estimated Estimated Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses December 31, 2019 U.S. government sponsored entities $ - $ - $ - $ - $ - $ - Collateralized mortgage obligations and residential mortgage-backed securities 8,859 (31 ) 15,065 (65 ) 23,924 (96 ) Municipal securities 4,367 (45 ) - - 4,367 (45 ) Collateralized debt obligations - - 1,076 (1,126 ) 1,076 (1,126 ) Total temporarily impaired $ 13,226 $ (76 ) $ 16,141 $ (1,191 ) $ 29,367 $ (1,267 ) Number of securities 11 17 28

Note 5 - Loans Receivable (Tabl

Note 5 - Loans Receivable (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	(Dollars in thousands) March 31, 2020 December 31, 2019 Loans secured by real estate: Residential real estate $ 303,872 $ 299,569 Home equity 48,690 49,118 Commercial real estate 280,018 283,108 Construction and land development 95,696 87,710 Multifamily 51,897 51,286 Farmland 224 227 Total loans secured by real estate 780,397 771,018 Commercial business 105,337 103,222 Consumer 600 627 Manufactured homes 14,093 13,285 Government 14,944 15,804 Subtotal 915,371 903,956 Less: Net deferred loan origination fees 3,314 2,934 Undisbursed loan funds 277 (21 ) Loans receivable $ 918,962 $ 906,869
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Beginning Banlance Charge-offs Recoveries Provisions Ending Balance The Bancorp's activity in the allowance for loan losses, by loan segment, is summarized below for the three months ended March 31, 2020: Allowance for loan losses: Residential real estate $ 1,812 $ - $ 6 $ 10 $ 1,828 Home equity 223 - - 23 246 Commercial real estate 3,773 - - (80 ) 3,693 Construction and land development 1,098 - - 125 1,223 Multifamily 529 - - 33 562 Farmland - - - - - Commercial business 1,504 - 1 396 1,901 Consumer 43 (12 ) 3 8 42 Manufactured homes - - - - - Government 17 - - (1 ) 16 Total $ 8,999 $ (12 ) $ 10 $ 514 $ 9,511 The Bancorp's activity in the allowance for loan losses, by loan segment, is summarized below for the three months ended March 31, 2019: Allowance for loan losses: Residential real estate $ 1,715 $ (48 ) $ 14 $ (1 ) $ 1,680 Home equity 202 - - (8 ) 194 Commercial real estate 3,335 - - 150 3,485 Construction and land development 756 - - 21 777 Multifamily 472 - - (38 ) 434 Farmland - - - - - Commercial business 1,362 - 6 23 1,391 Consumer 82 (18 ) 3 187 254 Manufactured homes - - - - - Government 38 - - (17 ) 21 Total $ 7,962 $ (66 ) $ 23 $ 317 $ 8,236
Financing Receivable, Impairment Evaluation [Table Text Block]	The Bancorp's impairment analysis is summarized below: Ending Balances (Dollars in thousands) Individually evaluated for impairment reserves Collectively evaluated for impairment reserves Loan receivables Loan individually evaluated for impairment Purchased credit impaired loans individually evaluated for impairment Collectively evaluated for impairment The Bancorp's allowance for loan losses impairment evaluation and loan receivables are summarized below at March 31, 2020: Residential real estate $ 5 $ 1,823 $ 303,935 $ 668 $ 1,487 $ 301,780 Home equity 4 242 48,750 214 145 48,391 Commercial real estate 3 3,690 280,018 1,023 488 278,507 Construction and land development - 1,223 95,696 - - 95,696 Multifamily - 562 51,897 119 663 51,115 Farmland - - 224 - - 224 Commercial business 365 1,536 105,188 1,190 1,154 102,844 Consumer - 42 600 - - 600 Manufactured homes - - 17,710 - - 17,710 Government - 16 14,944 - - 14,944 Total $ 377 $ 9,134 $ 918,962 $ 3,214 $ 3,937 $ 911,811 The Bancorp's allowance for loan losses impairment evaluation and loan receivables are summarized below at December 31, 2019: Residential real estate $ 10 $ 1,802 $ 299,333 $ 642 $ 1,581 $ 297,110 Home equity 4 219 49,181 221 216 48,744 Commercial real estate - 3,773 283,108 1,078 487 281,543 Construction and land development - 1,098 87,710 - - 87,710 Multifamily - 529 51,286 129 673 50,484 Farmland - - 227 - - 227 Commercial business 152 1,352 103,088 1,041 1,150 100,897 Consumer - 43 627 - - 627 Manufactured homes - - 16,505 - - 16,505 Government - 17 15,804 - - 15,804 Total $ 166 $ 8,833 $ 906,869 $ 3,111 $ 4,107 $ 899,651
Financing Receivable Credit Quality Indicators [Table Text Block]	Credit Exposure - Credit Risk Portfolio By Creditworthiness Category March 31, 2020 (Dollars in thousands) 2 3 4 5 6 7 8 Loan Segment Moderate Above average acceptable Acceptable Marginally acceptable Pass/monitor Special mention Substandard Total Residential real estate $ 1,111 $ 122,215 $ 107,271 $ 13,578 $ 51,427 $ 3,820 $ 4,513 $ 303,935 Home equity 153 6,781 39,489 259 825 739 504 48,750 Commercial real estate - 2,312 72,707 139,436 54,255 7,770 3,538 280,018 Construction and land development... - 1,002 28,731 51,273 14,690 - - 95,696 Multifamily - 888 17,661 27,661 4,904 - 783 51,897 Farmland - - - - 224 - - 224 Commercial business 8,319 16,659 18,039 39,222 19,916 1,818 1,215 105,188 Consumer 103 2 495 - - - - 600 Manufactured homes 3,617 2,253 10,832 182 826 - - 17,710 Government - 1,775 10,759 2,410 - - - 14,944 Total $ 13,303 $ 153,887 $ 305,984 $ 274,021 $ 147,067 $ 14,147 $ 10,553 $ 918,962 December 31, 2019 (Dollars in thousands) 2 3 4 5 6 7 8 Loan Segment Moderate Above average acceptable Acceptable Marginally acceptable Pass/monitor Special mention Substandard Total Residential real estate $ 827 $ 119,138 $ 104,153 $ 13,463 $ 53,058 $ 4,203 $ 4,491 $ 299,333 Home equity 100 6,536 40,027 264 934 813 507 49,181 Commercial real estate - 2,030 82,158 135,058 56,917 5,380 1,565 283,108 Construction and land development - 719 26,900 45,751 14,340 - - 87,710 Multifamily - 903 18,107 26,800 4,674 - 802 51,286 Farmland - - - - 227 - - 227 Commercial business 8,312 13,158 19,638 39,016 20,009 2,228 727 103,088 Consumer 90 - 537 - - - - 627 Manufactured homes 3,221 2,413 9,825 184 862 - - 16,505 Government - 1,889 11,505 2,410 - - - 15,804 Total $ 12,550 $ 146,786 $ 312,850 $ 262,946 $ 151,021 $ 12,624 $ 8,092 $ 906,869
Impaired Financing Receivables [Table Text Block]	The Bancorp's individually evaluated impaired loans are summarized below: For the three months ended As of March 31, 2020 March 31, 2020 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 2,103 $ 3,488 $ - $ 2,122 $ 24 Home equity 351 371 - 390 5 Commercial real estate 1,493 2,084 - 1,520 13 Construction and land development - - - - - Multifamily 782 864 - 792 7 Farmland - - - - - Commercial business 1,486 1,560 - 1,650 17 Consumer - - - - - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 52 $ 52 $ 5 $ 68 $ 1 Home equity 8 8 4 8 - Commercial real estate 18 18 3 18 - Construction and land development - - - - - Multifamily - - - - - Farmland - - - - - Commercial business 858 858 365 618 3 Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 2,155 $ 3,540 $ 5 $ 2,190 $ 25 Home equity $ 359 $ 379 $ 4 $ 398 $ 5 Commercial real estate $ 1,511 $ 2,102 $ 3 $ 1,538 $ 13 Construction & land development $ - $ - $ - $ - $ - Multifamily $ 782 $ 864 $ - $ 792 $ 7 Farmland $ - $ - $ - $ - $ - Commercial business $ 2,344 $ 2,418 $ 365 $ 2,268 $ 20 Consumer $ - $ - $ - $ - $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ - For the three months ended As of December 31, 2019 March 31, 2019 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 2,140 $ 3,555 $ - $ 1,578 $ 14 Home equity 429 451 - 328 2 Commercial real estate 1,547 2,141 - 1,650 19 Construction & land development - - - - - Multifamily 802 884 - - - Farmland - - - - - Commercial business 1,814 1,906 - 1,668 21 Consumer - - - - - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 83 $ 83 $ 10 $ 160 $ 2 Home equity 8 8 4 57 1 Commercial real estate 18 18 - 481 - Construction & land development - - - - - Multifamily - - - - - Farmland - - - - - Commercial business 377 377 152 48 - Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 2,223 $ 3,638 $ 10 $ 1,738 $ 16 Home equity $ 437 $ 459 $ 4 $ 385 $ 3 Commercial real estate $ 1,565 $ 2,159 $ - $ 2,131 $ 19 Construction & land development $ - $ - $ - $ - $ - Multifamily $ 802 $ 884 $ - $ - $ - Farmland $ - $ - $ - $ - $ - Commercial business $ 2,191 $ 2,283 $ 152 $ 1,716 $ 21 Consumer $ - $ - $ - $ - $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ -
Financing Receivable, Past Due [Table Text Block]	The Bancorp's age analysis of past due loans is summarized below: (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due Greater Than 90 Days Past Due Total Past Due Current Total Loans Recorded Investments Greater than 90 Days Past Due and Accruing March 31, 2020 Residential real estate $ 4,708 $ 1,413 $ 3,267 $ 9,388 $ 294,547 $ 303,935 $ 348 Home equity 593 129 374 1,096 47,654 48,750 - Commercial real estate 5,935 1,363 531 7,829 272,189 280,018 60 Construction and land development. 664 - - 664 95,032 95,696 - Multifamily 339 119 106 564 51,333 51,897 75 Farmland - - - - 224 224 - Commercial business 1,636 286 1,742 3,664 101,524 105,188 654 Consumer 7 - - 7 593 600 - Manufactured homes 152 16 - 168 17,542 17,710 - Government - - - - 14,944 14,944 - Total $ 14,034 $ 3,326 $ 6,020 $ 23,380 $ 895,582 $ 918,962 $ 1,137 December 31, 2019 Residential real estate $ 3,486 $ 1,332 $ 3,724 $ 8,542 $ 290,791 $ 299,333 $ 452 Home equity 90 24 388 502 48,679 49,181 19 Commercial real estate 1,461 170 719 2,350 280,758 283,108 61 Construction and land development 143 289 - 432 87,278 87,710 - Multifamily 140 - 160 300 50,986 51,286 - Farmland - - - - 227 227 - Commercial business 926 583 870 2,379 100,709 103,088 288 Consumer - - - - 627 627 - Manufactured homes 63 36 46 145 16,360 16,505 46 Government - - - - 15,804 15,804 - Total $ 6,309 $ 2,434 $ 5,907 $ 14,650 $ 892,219 $ 906,869 $ 866
Financing Receivable, Nonaccrual [Table Text Block]	The Bancorp's loans on nonaccrual status are summarized below: (Dollars in thousands) March 31, 2020 December 31, 2019 Residential real estate $ 4,498 $ 4,374 Home equity 470 473 Commercial real estate 472 658 Construction and land development - - Multifamily 410 420 Farmland - - Commercial business 1,088 582 Consumer - - Manufactured homes - - Government - - Total $ 6,938 $ 6,507
Schedule of Accretable Yield from Financing Receivables [Table Text Block]	Accretable interest taken from the purchase credit impaired portfolio, or income recorded for the three months ended March 31, 2020, is as follows: (dollars in thousands) First Personal 2019 $ 62 2020 29 Accretable interest taken from the purchase credit impaired portfolio, or income expected to be recorded in the future is as follows: (dollars in thousands) First Personal 2020 68 2021 23 Total $ 91 Accretable yield, or income recorded for the three months ended March 31, is as follows: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Total 2019 $ 22 $ 42 $ 203 $ 155 $ 422 2020 - - 115 245 $ 361 Accretable yield, or income expected to be recorded in the future is as follows: (dollars in thousands) First Federal Liberyy Savings First Personal AJSB Total 2020 $ - $ - $ 281 $ 585 $ 866 2021 - - 333 780 1,113 2022 - - 323 780 1,103 2023 - - 73 322 395 Total $ - $ - $ 1,010 $ 2,467 $ 3,477
Schedule of Financing Receivables Acquired Discount [Table Text Block]	(dollars in thousands) First Federal Liberty Savings First Personal AJSB Net fair value discount Accretable period in months Net fair value discount Accretable period in months Net fair value discount Accretable period in months Net fair value discount Accretable period in months Residential real estate $ 1,062 59 $ 1,203 44 $ 948 56 $ 3,734 52 Home equity 44 29 5 29 51 50 141 32 Commercial real estate - - - - 208 56 8 9 Construction and land development - - - - 1 30 - - Multifamily - - - - 11 48 2 48 Consumer - - - - 146 50 1 5 Commercial business - - - - 348 24 - - Purchased credit impaired loans - - - - 424 32 - - Total $ 1,106 $ 1,208 $ 2,137 $ 3,886

Note 6 - Foreclosed Real Esta_2

Note 6 - Foreclosed Real Estate (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Real Estate Properties [Table Text Block]	( Dollars in thousands March 31, 2020 December 31, 2019 Residential real estate $ 906 $ 957 Commercial real estate 126 126 Total $ 1,032 $ 1,083

Note 7 - Intangibles and Acqu_2

Note 7 - Intangibles and Acquisition Related Accounting (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Finite-lived Intangible Assets Amortization Expense [Table Text Block]	Amortization recorded for the three months ended March 31, 2020 is as follows: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Total Current period $ 3 $ 14 $ 119 $ 112 $ 248 Amortization to be recorded in future periods, is as follows: (dollars in thousands) First Federal Liberty Savings First Personal AJSB Total Remainder 2020 9 44 356 337 746 2021 12 58 475 449 994 2022 1 58 475 449 983 2023 - 38 475 449 962 2024 - - 470 449 919 2025 - - - 261 261 2026 - - - - Total $ 22 $ 198 $ 2,251 $ 2,394 $ 4,865

Note 9 - Earnings per Share (Ta

Note 9 - Earnings per Share (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended (Dollars in thousands, except per share data) March 31, 2020 2019 Basic earnings per common share: Net income as reported $ 3,192 $ 2,222 Weighted average common shares outstanding 3,458,505 3,343,183 Basic earnings per common share $ 0.92 $ 0.66 Diluted earnings per common share: Net income as reported $ 3,192 $ 2,222 Weighted average common shares outstanding 3,458,505 3,343,183 Add: Dilutive effect of assumed stock option exercises - - Weighted average common and dilutive potential common shares outstanding 3,458,505 3,343,183 Diluted earnings per common share $ 0.92 $ 0.66

Note 10 - Stock Based Compens_2

Note 10 - Stock Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Nonvested Restricted Stock Shares Activity [Table Text Block]	Non-vested Shares Shares Weighted Non-vested at January 1, 2019 27,423 $ 32.58 Granted 7,407 43.00 Vested (4,625 ) 29.37 Forfeited - - Non-vested at December 31, 2019 30,205 $ 35.63 Non-vested at January 1, 2020 30,205 $ 35.63 Granted 13,243 44.30 Vested (6,400 ) 27.50 Forfeited - - Non-vested at March 31, 2020 37,048 $ 40.13

Note 13 - Derivative Financia_2

Note 13 - Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	March 31, 2020 Notational or contractual Asset derivatives Liability derivatives (Dollars in thousands) amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 29,214 Other assets $ 3,282 Other liabilties $ 3,282 Loan commitments 52,163 Other assets 704 N/A - Total $ 81,377 $ 3,986 $ 3,282 December 31, 2019 Notational or contractual Asset derivatives Liability derivatives (Dollars in thousands) amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 29,466 Other assets $ 1,358 Other liabilties $ 1,358 Loan commitments 12,822 Other assets 186 N/A - Total $ 42,288 $ 1,544 $ 1,358 Three Months Ended March 31, (Dollars in thousands) Statement of Income Classification 2020 2019 Interest rate swap contracts Other income $ - $ 220 Loan commitments Other income 518 - Total $ 518 $ 220
Offsetting Assets [Table Text Block]	Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Assets Presented Cash (Dollars in thousands) Recognized Assets Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Received Net Amount March 31, 2020 Interest rate swap contracts $ 3,282 $ - $ 3,282 $ - $ - $ 3,282 Loan commitments 704 - 704 - - 704 Total $ 3,986 $ - $ 3,986 $ - $ - $ 3,986 Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Liabilities Presented Cash (Dollars in thousands) Recognized Liabilities Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Received Net Amount December 31, 2019 Interest rate swap contracts $ 1,358 $ - $ 1,358 $ - $ - $ 1,358 Loan commitments 186 - 186 - - 186 Total $ 1,544 $ - $ 1,544 $ - $ - $ 1,544
Offsetting Liabilities [Table Text Block]	Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Liabilities Presented Cash (Dollars in thousands) Recognized Liabilities Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Pledged Net Amount March 31, 2020 Interest rate swap contracts $ 3,282 $ - $ 3,282 $ - $ 3,350 $ (68 ) Total $ 3,282 $ - $ 3,282 $ - $ 3,350 $ (68 ) Gross Amounts not Offset in the Statement of Financial Condition Gross Amounts of Gross Amounts Offset in the Net Amounts of Liabilities Presented Cash (Dollars in thousands) Recognized Liabilities Statement of Financial Condition in the Statement of Financial Condition Financial Instruments Collateral Pledged Net Amount December 31, 2019 Interest rate swap contracts $ 1,358 $ - $ 1,358 $ - $ 2,290 $ (932 ) Total $ 1,358 $ - $ 1,358 $ - $ 2,290 $ (932 )

Note 14 - Fair Value (Tables)

Note 14 - Fair Value (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table Text Block]	(Dollars in Thousands) Collateralized debt obligations other-than-temporary (Dollars in thousands) impairment Ending balance, December 31, 2019 $ 173 Additions not previously recognized - Ending balance, March 31, 2020 $ 173
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Fair Value Measurements at March 31, 2020 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Available-for-sale debt securities: Money market fund $ 16,553 $ 16,553 $ - $ - residential mortgage-backed securities 158,938 - 158,938 - Municipal securities 117,123 - 117,123 - Collateralized debt obligations 773 - - 773 Total securities available-for-sale $ 293,387 $ 16,553 $ 276,061 $ 773 Fair Value Measurements at December 31, 2019 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Available-for-sale debt securities: Money market fund $ 9,670 $ 9,670 $ - $ - U.S. government sponsored entities 13,058 - 13,058 - Collateralized mortgage obligations and residential mortgage-backed securities 150,988 - 150,988 - Municipal securities 102,427 - 102,427 - Collateralized debt obligations 1,076 - - 1,076 Total securities available-for-sale $ 277,219 $ 9,670 $ 266,473 $ 1,076
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	(Dollars in thousands) Estimated Fair Value Available-for- Beginning balance, January 1, 2019 $ 2,049 Principal payments (38 ) Total unrealized gains, included in other comprehensive income 52 Transfers in and/or (out) of Level 3 (987 ) Ending balance, December 31, 2019 $ 1,076 Beginning balance, January 1, 2020 $ 1,076 Principal payments (5 ) Total unrealized losses, included in other comprehensive income (298 ) Sale out of Level 3 - Ending balance, March 31, 2020 $ 773
Fair Value Measurements, Nonrecurring [Table Text Block]	(Dollars in thousands) Fair Value Measurements at March 31, 2020 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 6,774 $ - $ - $ 6,774 Foreclosed real estate 1,032 - - 1,032 (Dollars in thousands) Fair Value Measurements at December 31, 2019 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 7,052 $ - $ - $ 7,052 Foreclosed real estate 1,083 - - 1,083
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2020 Estimated Fair Value Measurements at March 31, 2020 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Significant Significant Financial assets: Cash and cash equivalents $ 42,146 $ 42,146 $ 42,146 $ - $ - Certificates of deposit in other financial institutions 1,741 1,715 - 1,715 - Securities available-for-sale 293,387 293,387 16,553 276,061 773 Loans held-for-sale 5,375 5,553 5,553 - - Loans receivable, net 909,451 904,358 - - 904,358 Federal Home Loan Bank stock 3,912 3,912 - 3,912 - Interest rate swap agreements 3,282 3,282 - 3,282 - Accrued interest receivable 4,114 4,114 - 4,114 - Financial liabilities: Non-interest bearing deposits 185,219 185,219 185,219 - - Interest bearing deposits 976,423 978,115 661,953 316,162 - Repurchase agreements 12,991 12,999 11,213 1,786 - Borrowed funds 14,000 14,197 - 14,197 - Interest rate swap agreements 3,282 3,282 - 3,282 - Accrued interest payable 94 94 - 94 - December 31, 2019 Estimated Fair Value Measurements at December 31, 2019 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Significant Significant Financial assets: Cash and cash equivalents $ 47,258 $ 47,258 $ 47,258 $ - $ - Certificates of deposit in other financial institutions 2,170 2,137 - 2,137 - Securities available-for-sale 277,219 277,219 9,670 266,473 1,076 Loans held-for-sale 6,091 6,204 6,204 - - Loans receivable, net 897,870 917,174 - - 917,174 Federal Home Loan Bank stock 3,912 3,912 - 3,912 - Interest rate swap agreements 1,358 1,358 - 1,358 - Accrued interest receivable 4,029 4,029 - 4,029 - Financial liabilities: Non-interest bearing deposits 172,094 172,094 172,094 - - Interest bearing deposits 982,276 982,241 654,573 327,668 - Repurchase agreements 11,499 11,499 9,721 1,778 - Borrowed funds 14,000 14,108 - 14,108 - Interest rate swap agreements 1,358 1,358 - 1,358 - Accrued interest payable 179 179 - 179 -

Note 3 - Acquisition Activity_2

Note 3 - Acquisition Activity (Details Textual) $ / shares in Units, $ in Thousands	Jan. 24, 2019USD ($)$ / sharesshares	Jan. 23, 2019USD ($)	Mar. 31, 2020USD ($)	Mar. 31, 2019USD ($)
Payments to Acquire Businesses, Net of Cash Acquired, Total | $				$ 15,378
AJS Bancorp, Inc [Member]
Business Acquisition, Number of Shares Given Per Share of Acquired Company, Stockholders Holding 100 Shares or More (in shares) | shares	0.203
Business Acquisition, Cash Paid Per Share of Acquired Company, Stockholders Holding 100 or More Shares (in dollars per share) | $ / shares	$ 7.20
Business Acquisition, Cash Paid Per Share of Acquired Company, Holding Less Than 100 Shares (in dollars per share) | $ / shares	$ 16
Business Acquisition, Number of Shares Given Per Share of Acquired Company, Less Than 100 Shares (in shares) | shares	0
Business Acquisition, Fractional Shares Multiplier (in dollars per share) | $ / shares	$ 43.01
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares (in shares) | shares	416,478
Payments to Acquire Businesses, Net of Cash Acquired, Total | $	$ 15,743	$ 15,700
Business Combination, Consideration Transferred, Total | $	$ 33,235	33,200
Business Acquisition, Transaction Costs | $		$ 2,100
Number of Banking Centers		22
AJS Bancorp, Inc [Member] | Maximum [Member]
Business Acquisition, Number of Held Shares of Acquired Company (in shares) | shares	100

Note 3 - Acquisition Activity -

Note 3 - Acquisition Activity - Fair Value of Tangible and Intangible Assets Acquired and Liabilities Assumed From AJSB (Details) - USD ($) $ in Thousands	Jan. 24, 2019	Jan. 23, 2019	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Goodwill			$ 11,109		$ 11,109
Payments to Acquire Businesses, Net of Cash Acquired, Total				$ 15,378
AJS Bancorp, Inc [Member]
Cash and due from banks	$ 68,303
Investment securities, available for sale	3,432
Total Loans	87,846
Premises and equipment, net	3,542
FHLB stock	512
Goodwill	2,939		$ 2,900
Core deposit intangible	2,917
Interest receivable	351
Other assets	8,939
Total assets purchased	178,781
Common shares issued	17,492
Payments to Acquire Businesses, Net of Cash Acquired, Total	15,743	$ 15,700
Total purchase price	33,235	$ 33,200
Total Deposits	144,226
Interest payable	50
Other liabilities	1,270
Total liabilities assumed	145,546
AJS Bancorp, Inc [Member] | Commercial Loan [Member]
Total Loans	712
AJS Bancorp, Inc [Member] | Residential Mortgage [Member]
Total Loans	85,635
AJS Bancorp, Inc [Member] | Multifamily Loan [Member]
Total Loans	1,442
AJS Bancorp, Inc [Member] | Consumer Loan [Member]
Total Loans	57
AJS Bancorp, Inc [Member] | Non-interest Bearing Deposit Liability [Member]
Total Deposits	24,502
AJS Bancorp, Inc [Member] | NOW Accounts [Member]
Total Deposits	10,712
AJS Bancorp, Inc [Member] | Savings and Money Market Deposit Liability [Member]
Total Deposits	68,875
AJS Bancorp, Inc [Member] | Certificates of Deposit Liability [Member]
Total Deposits	$ 40,137

Note 4 - Securities (Details Te

Note 4 - Securities (Details Textual) - USD ($) $ in Millions	Mar. 31, 2020	Dec. 31, 2019
Security Owned and Pledged as Collateral, Fair Value, Total	$ 54.5	$ 65.5

Note 4 - Securities - Available

Note 4 - Securities - Available for Sale Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Available for sale securities, cost basis	$ 282,399	$ 271,833
Available for sale securities, gross unrealized gains	12,501	6,653
Available for sale securities, gross unrealized losses	(1,513)	(1,267)
Total securities available-for-sale	293,387	277,219
Money Market Funds [Member]
Available for sale securities, cost basis	16,553	9,670
Available for sale securities, gross unrealized gains
Available for sale securities, gross unrealized losses
Total securities available-for-sale	16,553	9,670
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Available for sale securities, cost basis	152,859	149,339
Available for sale securities, gross unrealized gains	6,142	1,745
Available for sale securities, gross unrealized losses	(63)	(96)
Total securities available-for-sale	158,938	150,988
US Treasury Securities [Member]
Available for sale securities, cost basis		12,994
Available for sale securities, gross unrealized gains		64
Available for sale securities, gross unrealized losses
Total securities available-for-sale		13,058
US States and Political Subdivisions Debt Securities [Member]
Available for sale securities, cost basis	110,790	97,628
Available for sale securities, gross unrealized gains	6,359	4,844
Available for sale securities, gross unrealized losses	(26)	(45)
Total securities available-for-sale	117,123	102,427
Collateralized Debt Obligations [Member]
Available for sale securities, cost basis	2,197	2,202
Available for sale securities, gross unrealized gains
Available for sale securities, gross unrealized losses	(1,424)	(1,126)
Total securities available-for-sale	$ 773	$ 1,076

Note 4 - Securities - Estimated

Note 4 - Securities - Estimated Fair Value of Available for Sale Securities, by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Available for sale securities, due in one year or less, estimated fair value	$ 16,903
Available for sale securities, due in one year or less, tax-equivalent yield	6.17%
Available for sale securities, due from one to five years, estimated fair value	$ 3,122
Available for sale securities, due from one to five years, tax-equivalent yield	4.79%
Available for sale securities, due from five to ten years, estimated fair value	$ 4,554
Available for sale securities, due from five to ten years, tax-equivalent yield	4.39%
Available for sale securities, due over ten years, estimated fair value	$ 109,870
Available for sale securities, due over ten years, tax-equivalent yield	3.93%
Collateralized mortgage obligations and residential mortgage-backed securities, estimated fair value	$ 158,938
Collateralized mortgage obligations and residential mortgage-backed securities, tax-equivalent yield	2.25%
Total securities available-for-sale	$ 293,387	$ 277,219
Available for sale securities, tax-equivalent yield	3.17%

Note 4 - Securities - Sales of

Note 4 - Securities - Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Proceeds	$ 17,886	$ 13,518
Gross gains	513	356
Gross losses	$ (3)	$ (4)

Note 4 - Securities - Availab_2

Note 4 - Securities - Available for Sale Securities, Accumulated Other Comprehensive Income (Loss) Balances, Net of Tax (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Ending balance	$ 4,261
Current period change	4,425	$ 3,033
Ending balance	$ 8,686

Note 4 - Securities - Securitie

Note 4 - Securities - Securities with Gross Unrealized Losses Not Recognized in Income (Details) $ in Thousands	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Estimated fair value, less than 12 months	$ 6,058	$ 13,226
Unrealized losses, less than 12 months	(89)	(76)
Estimated fair value, 12 months or longer	773	16,141
Unrealized losses, 12 months or longer	(1,424)	(1,191)
Estimated fair value, total	6,831	29,367
Unrealized losses, total	$ (1,513)	$ (1,267)
Unrealized losses, less than 12 months, number of securities	5	11
Unrealized losses, 12 months or longer, number of securities	2	17
Unrealized losses, total, number of securities	7	28
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Estimated fair value, less than 12 months	$ 2,480	$ 8,859
Unrealized losses, less than 12 months	(63)	(31)
Estimated fair value, 12 months or longer		15,065
Unrealized losses, 12 months or longer		(65)
Estimated fair value, total	2,480	23,924
Unrealized losses, total	(63)	(96)
US Government-sponsored Enterprises Debt Securities [Member]
Estimated fair value, less than 12 months
Unrealized losses, less than 12 months
Estimated fair value, 12 months or longer
Unrealized losses, 12 months or longer
Estimated fair value, total
Unrealized losses, total
US States and Political Subdivisions Debt Securities [Member]
Estimated fair value, less than 12 months	3,578	4,367
Unrealized losses, less than 12 months	(26)	(45)
Estimated fair value, 12 months or longer
Unrealized losses, 12 months or longer
Estimated fair value, total	3,578	4,367
Unrealized losses, total	(26)	(45)
Collateralized Debt Obligations [Member]
Estimated fair value, less than 12 months
Unrealized losses, less than 12 months
Estimated fair value, 12 months or longer	773	1,076
Unrealized losses, 12 months or longer	(1,424)	(1,126)
Estimated fair value, total	773	1,076
Unrealized losses, total	$ (1,424)	$ (1,126)

Note 5 - Loans Receivable (Deta

Note 5 - Loans Receivable (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total	$ 3,314	$ 2,934
Impaired Financing Receivable, Recorded Investment, Total	7,200	7,200
Financial Asset Acquired with Credit Deterioration [Member]
Impaired Financing Receivable, Unpaid Principal Balance, Total	6,100	6,300
Impaired Financing Receivable, Recorded Investment, Total	3,900	4,100
Manufactured Homes Portfolio Segment [Member]
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total	2,100	1,900
Impaired Financing Receivable, Unpaid Principal Balance, Total
Impaired Financing Receivable, Recorded Investment, Total
Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts	1
Financing Receivable, Troubled Debt Restructuring	$ 149
Impaired Financing Receivable, Unpaid Principal Balance, Total	2,102	2,159
Impaired Financing Receivable, Recorded Investment, Total	$ 1,511	1,565
Residential Portfolio Segment [Member]
Financing Receivable, Modifications, Number of Contracts	1
Financing Receivable, Troubled Debt Restructuring	$ 53
Impaired Financing Receivable, Unpaid Principal Balance, Total	3,540	3,638
Impaired Financing Receivable, Recorded Investment, Total	2,155	2,223
Commercial Portfolio Segment [Member]
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	312
Impaired Financing Receivable, Unpaid Principal Balance, Total	2,418	2,283
Impaired Financing Receivable, Recorded Investment, Total	$ 2,344	$ 2,191
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	1

Note 5 - Loans Receivable - Loa

Note 5 - Loans Receivable - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Total loans secured by real estate	$ 780,397	$ 771,018
Total loans	915,371	903,956
Net deferred loan origination fees	3,314	2,934
Undisbursed loan funds	277	(21)
Loans receivable	918,962	906,869
Residential Portfolio Segment [Member]
Total loans secured by real estate	303,872	299,569
Loans receivable	303,935	299,333
Home Equity Portfolio Segment [Member]
Total loans secured by real estate	48,690	49,118
Loans receivable	48,750	49,181
Commercial Real Estate Portfolio Segment [Member]
Total loans secured by real estate	280,018	283,108
Loans receivable	280,018	283,108
Construction and Land Development Portfolio Segment [Member]
Total loans secured by real estate	95,696	87,710
Loans receivable	95,696	87,710
Multifamily Portfolio Segment [Member]
Total loans secured by real estate	51,897	51,286
Loans receivable	51,897	51,286
Farmland Portfolio Segment [Member]
Total loans secured by real estate	224	227
Loans receivable	224	227
Commercial Portfolio Segment [Member]
Total loans	105,337	103,222
Loans receivable	105,188	103,088
Consumer Portfolio Segment [Member]
Total loans	600	627
Loans receivable	600	627
Manufactured Homes Portfolio Segment [Member]
Total loans	14,093	13,285
Net deferred loan origination fees	2,100	1,900
Loans receivable	17,710	16,505
Government Portfolio Segment [Member]
Total loans	14,944	15,804
Loans receivable	$ 14,944	$ 15,804

Note 5 - Loans Receivable - All

Note 5 - Loans Receivable - Allowance for Loan Losses, by Loan Segment (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Beginning Balance	$ 8,999	$ 7,962
Charge-offs	(12)	(66)
Recoveries	10	23
Provisions	514	317
Ending Balance	9,511	8,236
Charge-offs	12	66
Residential Portfolio Segment [Member]
Beginning Balance	1,812	1,715
Charge-offs		(48)
Recoveries	6	14
Provisions	10	(1)
Ending Balance	1,828	1,680
Charge-offs		48
Home Equity Portfolio Segment [Member]
Beginning Balance	223	202
Charge-offs
Recoveries
Provisions	23	(8)
Ending Balance	246	194
Charge-offs
Commercial Real Estate Portfolio Segment [Member]
Beginning Balance	3,773	3,335
Charge-offs
Recoveries
Provisions	(80)	150
Ending Balance	3,693	3,485
Charge-offs
Construction and Land Development Portfolio Segment [Member]
Beginning Balance	1,098	756
Charge-offs
Recoveries
Provisions	125	21
Ending Balance	1,223	777
Charge-offs
Multifamily Portfolio Segment [Member]
Beginning Balance	529	472
Charge-offs
Recoveries
Provisions	33	(38)
Ending Balance	562	434
Charge-offs
Farmland Portfolio Segment [Member]
Beginning Balance
Charge-offs
Recoveries
Provisions
Ending Balance
Charge-offs
Commercial Portfolio Segment [Member]
Beginning Balance	1,504	1,362
Charge-offs
Recoveries	1	6
Provisions	396	23
Ending Balance	1,901	1,391
Charge-offs
Consumer Portfolio Segment [Member]
Beginning Balance	43	82
Charge-offs	(12)	(18)
Recoveries	3	3
Provisions	8	187
Ending Balance	42	254
Charge-offs	12	18
Manufactured Homes Portfolio Segment [Member]
Beginning Balance
Charge-offs
Recoveries
Provisions
Ending Balance
Charge-offs
Government Portfolio Segment [Member]
Beginning Balance	17	38
Charge-offs
Recoveries
Provisions	(1)	(17)
Ending Balance	16	21
Charge-offs

Note 5 - Loans Receivable - Imp

Note 5 - Loans Receivable - Impairment Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Allowance individually evaluated for impairment reserves	$ 377	$ 166
Allowance collectively evaluated for impairment reserves	9,134	8,833
Loans receivable	918,962	906,869
Loans receivable individually evaluated for impairment	3,214	3,111
Loans receivable purchased credit impaired individually evaluated for impairment	3,937	4,107
Loans receivable collectively evaluated for impairment	911,811	899,651
Residential Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	5	10
Allowance collectively evaluated for impairment reserves	1,823	1,802
Loans receivable	303,935	299,333
Loans receivable individually evaluated for impairment	668	642
Loans receivable purchased credit impaired individually evaluated for impairment	1,487	1,581
Loans receivable collectively evaluated for impairment	301,780	297,110
Home Equity Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	4	4
Allowance collectively evaluated for impairment reserves	242	219
Loans receivable	48,750	49,181
Loans receivable individually evaluated for impairment	214	221
Loans receivable purchased credit impaired individually evaluated for impairment	145	216
Loans receivable collectively evaluated for impairment	48,391	48,744
Commercial Real Estate Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	3
Allowance collectively evaluated for impairment reserves	3,690	3,773
Loans receivable	280,018	283,108
Loans receivable individually evaluated for impairment	1,023	1,078
Loans receivable purchased credit impaired individually evaluated for impairment	488	487
Loans receivable collectively evaluated for impairment	278,507	281,543
Construction and Land Development Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves
Allowance collectively evaluated for impairment reserves	1,223	1,098
Loans receivable	95,696	87,710
Loans receivable individually evaluated for impairment
Loans receivable purchased credit impaired individually evaluated for impairment
Loans receivable collectively evaluated for impairment	95,696	87,710
Multifamily Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves
Allowance collectively evaluated for impairment reserves	562	529
Loans receivable	51,897	51,286
Loans receivable individually evaluated for impairment	119	129
Loans receivable purchased credit impaired individually evaluated for impairment	663	673
Loans receivable collectively evaluated for impairment	51,115	50,484
Farmland Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves
Allowance collectively evaluated for impairment reserves
Loans receivable	224	227
Loans receivable individually evaluated for impairment
Loans receivable purchased credit impaired individually evaluated for impairment
Loans receivable collectively evaluated for impairment	224	227
Commercial Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	365	152
Allowance collectively evaluated for impairment reserves	1,536	1,352
Loans receivable	105,188	103,088
Loans receivable individually evaluated for impairment	1,190	1,041
Loans receivable purchased credit impaired individually evaluated for impairment	1,154	1,150
Loans receivable collectively evaluated for impairment	102,844	100,897
Consumer Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves
Allowance collectively evaluated for impairment reserves	42	43
Loans receivable	600	627
Loans receivable individually evaluated for impairment
Loans receivable purchased credit impaired individually evaluated for impairment
Loans receivable collectively evaluated for impairment	600	627
Manufactured Homes Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves
Allowance collectively evaluated for impairment reserves
Loans receivable	17,710	16,505
Loans receivable individually evaluated for impairment
Loans receivable purchased credit impaired individually evaluated for impairment
Loans receivable collectively evaluated for impairment	17,710	16,505
Government Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves
Allowance collectively evaluated for impairment reserves	16	17
Loans receivable	14,944	15,804
Loans receivable individually evaluated for impairment
Loans receivable purchased credit impaired individually evaluated for impairment
Loans receivable collectively evaluated for impairment	$ 14,944	$ 15,804

Note 5 - Loans Receivable - Cre

Note 5 - Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loan Receivable	$ 918,962	$ 906,869
Moderate [Member]
Loan Receivable	13,303	12,550
Above Average Acceptable [Member]
Loan Receivable	153,887	146,786
Acceptable [Member]
Loan Receivable	305,984	312,850
Marginally Acceptable [Member]
Loan Receivable	274,021	262,946
Pass [Member]
Loan Receivable	147,067	151,021
Special Mention [Member]
Loan Receivable	14,147	12,624
Substandard [Member]
Loan Receivable	10,553	8,092
Residential Portfolio Segment [Member]
Loan Receivable	303,935	299,333
Residential Portfolio Segment [Member] | Moderate [Member]
Loan Receivable	1,111	827
Residential Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	122,215	119,138
Residential Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	107,271	104,153
Residential Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	13,578	13,463
Residential Portfolio Segment [Member] | Pass [Member]
Loan Receivable	51,427	53,058
Residential Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	3,820	4,203
Residential Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	4,513	4,491
Home Equity Portfolio Segment [Member]
Loan Receivable	48,750	49,181
Home Equity Portfolio Segment [Member] | Moderate [Member]
Loan Receivable	153	100
Home Equity Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	6,781	6,536
Home Equity Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	39,489	40,027
Home Equity Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	259	264
Home Equity Portfolio Segment [Member] | Pass [Member]
Loan Receivable	825	934
Home Equity Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	739	813
Home Equity Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	504	507
Commercial Real Estate Portfolio Segment [Member]
Loan Receivable	280,018	283,108
Commercial Real Estate Portfolio Segment [Member] | Moderate [Member]
Loan Receivable
Commercial Real Estate Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	2,312	2,030
Commercial Real Estate Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	72,707	82,158
Commercial Real Estate Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	139,436	135,058
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loan Receivable	54,255	56,917
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	7,770	5,380
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	3,538	1,565
Construction and Land Development Portfolio Segment [Member]
Loan Receivable	95,696	87,710
Construction and Land Development Portfolio Segment [Member] | Moderate [Member]
Loan Receivable
Construction and Land Development Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	1,002	719
Construction and Land Development Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	28,731	26,900
Construction and Land Development Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	51,273	45,751
Construction and Land Development Portfolio Segment [Member] | Pass [Member]
Loan Receivable	14,690	14,340
Construction and Land Development Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable
Construction and Land Development Portfolio Segment [Member] | Substandard [Member]
Loan Receivable
Multifamily Portfolio Segment [Member]
Loan Receivable	51,897	51,286
Multifamily Portfolio Segment [Member] | Moderate [Member]
Loan Receivable
Multifamily Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	888	903
Multifamily Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	17,661	18,107
Multifamily Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	27,661	26,800
Multifamily Portfolio Segment [Member] | Pass [Member]
Loan Receivable	4,904	4,674
Multifamily Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable
Multifamily Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	783	802
Farmland Portfolio Segment [Member]
Loan Receivable	224	227
Farmland Portfolio Segment [Member] | Moderate [Member]
Loan Receivable
Farmland Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable
Farmland Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable
Farmland Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable
Farmland Portfolio Segment [Member] | Pass [Member]
Loan Receivable	224	227
Farmland Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable
Farmland Portfolio Segment [Member] | Substandard [Member]
Loan Receivable
Commercial Portfolio Segment [Member]
Loan Receivable	105,188	103,088
Commercial Portfolio Segment [Member] | Moderate [Member]
Loan Receivable	8,319	8,312
Commercial Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	16,659	13,158
Commercial Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	18,039	19,638
Commercial Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	39,222	39,016
Commercial Portfolio Segment [Member] | Pass [Member]
Loan Receivable	19,916	20,009
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	1,818	2,228
Commercial Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	1,215	727
Consumer Portfolio Segment [Member]
Loan Receivable	600	627
Consumer Portfolio Segment [Member] | Moderate [Member]
Loan Receivable	103	90
Consumer Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	2
Consumer Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	495	537
Consumer Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable
Consumer Portfolio Segment [Member] | Pass [Member]
Loan Receivable
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable
Consumer Portfolio Segment [Member] | Substandard [Member]
Loan Receivable
Manufactured Homes Portfolio Segment [Member]
Loan Receivable	17,710	16,505
Manufactured Homes Portfolio Segment [Member] | Moderate [Member]
Loan Receivable	3,617	3,221
Manufactured Homes Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	2,253	2,413
Manufactured Homes Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	10,832	9,825
Manufactured Homes Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	182	184
Manufactured Homes Portfolio Segment [Member] | Pass [Member]
Loan Receivable	826	862
Manufactured Homes Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable
Manufactured Homes Portfolio Segment [Member] | Substandard [Member]
Loan Receivable
Government Portfolio Segment [Member]
Loan Receivable	14,944	15,804
Government Portfolio Segment [Member] | Moderate [Member]
Loan Receivable
Government Portfolio Segment [Member] | Above Average Acceptable [Member]
Loan Receivable	1,775	1,889
Government Portfolio Segment [Member] | Acceptable [Member]
Loan Receivable	10,759	11,505
Government Portfolio Segment [Member] | Marginally Acceptable [Member]
Loan Receivable	2,410	2,410
Government Portfolio Segment [Member] | Pass [Member]
Loan Receivable
Government Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable
Government Portfolio Segment [Member] | Substandard [Member]
Loan Receivable

Note 5 - Loans Receivable - Ind

Note 5 - Loans Receivable - Individually Evaluated Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Impaired Financing Receivable, Related Allowance	$ 377		$ 166
Total, recorded investment	7,200		7,200
Total, related allowance	377		166
Residential Portfolio Segment [Member]
With no related allowance recorded, recorded investment	2,103		2,140
With no related allowance recorded, unpaid principal balance	3,488		3,555
With no related allowance recorded, average recorded investment	2,122	$ 1,578
With no related allowance recorded, interest income recognized	24	14
With an allowance recorded, recorded investment	52		83
With an allowance recorded, unpaid principal balance	52		83
Impaired Financing Receivable, Related Allowance	5		10
With an allowance recorded, average recorded investment	68	160
With an allowance recorded, interest income recognized	1	2
Total, recorded investment	2,155		2,223
Total, unpaid principal balance	3,540		3,638
Total, average recorded investment	2,190	1,738
Total, interest income recognized	25	16
Total, related allowance	5		10
Home Equity Portfolio Segment [Member]
With no related allowance recorded, recorded investment	351		429
With no related allowance recorded, unpaid principal balance	371		451
With no related allowance recorded, average recorded investment	390	328
With no related allowance recorded, interest income recognized	5	2
With an allowance recorded, recorded investment	8		8
With an allowance recorded, unpaid principal balance	8		8
Impaired Financing Receivable, Related Allowance	4		4
With an allowance recorded, average recorded investment	8	57
With an allowance recorded, interest income recognized		1
Total, recorded investment	359		437
Total, unpaid principal balance	379		459
Total, average recorded investment	398	385
Total, interest income recognized	5	3
Total, related allowance	4		4
Commercial Real Estate Portfolio Segment [Member]
With no related allowance recorded, recorded investment	1,493		1,547
With no related allowance recorded, unpaid principal balance	2,084		2,141
With no related allowance recorded, average recorded investment	1,520	1,650
With no related allowance recorded, interest income recognized	13	19
With an allowance recorded, recorded investment	18		18
With an allowance recorded, unpaid principal balance	18		18
Impaired Financing Receivable, Related Allowance	3
With an allowance recorded, average recorded investment	18	481
With an allowance recorded, interest income recognized
Total, recorded investment	1,511		1,565
Total, unpaid principal balance	2,102		2,159
Total, average recorded investment	1,538	2,131
Total, interest income recognized	13	19
Total, related allowance	3
Construction and Land Development Portfolio Segment [Member]
With no related allowance recorded, recorded investment
With no related allowance recorded, unpaid principal balance
With no related allowance recorded, average recorded investment
With no related allowance recorded, interest income recognized
With an allowance recorded, recorded investment
With an allowance recorded, unpaid principal balance
Impaired Financing Receivable, Related Allowance
With an allowance recorded, average recorded investment
With an allowance recorded, interest income recognized
Total, recorded investment
Total, unpaid principal balance
Total, average recorded investment
Total, interest income recognized
Total, related allowance
Multifamily Portfolio Segment [Member]
With no related allowance recorded, recorded investment	782		802
With no related allowance recorded, unpaid principal balance	864		884
With no related allowance recorded, average recorded investment	792
With no related allowance recorded, interest income recognized	7
With an allowance recorded, recorded investment
With an allowance recorded, unpaid principal balance
Impaired Financing Receivable, Related Allowance
With an allowance recorded, average recorded investment
With an allowance recorded, interest income recognized
Total, recorded investment	782		802
Total, unpaid principal balance	864		884
Total, average recorded investment	792
Total, interest income recognized	7
Total, related allowance
Farmland Portfolio Segment [Member]
With no related allowance recorded, recorded investment
With no related allowance recorded, unpaid principal balance
With no related allowance recorded, average recorded investment
With no related allowance recorded, interest income recognized
With an allowance recorded, recorded investment
With an allowance recorded, unpaid principal balance
Impaired Financing Receivable, Related Allowance
With an allowance recorded, average recorded investment
With an allowance recorded, interest income recognized
Total, recorded investment
Total, unpaid principal balance
Total, average recorded investment
Total, interest income recognized
Total, related allowance
Commercial Portfolio Segment [Member]
With no related allowance recorded, recorded investment	1,486		1,814
With no related allowance recorded, unpaid principal balance	1,560		1,906
With no related allowance recorded, average recorded investment	1,650	1,668
With no related allowance recorded, interest income recognized	17	21
With an allowance recorded, recorded investment	858		377
With an allowance recorded, unpaid principal balance	858		377
Impaired Financing Receivable, Related Allowance	365		152
With an allowance recorded, average recorded investment	618	48
With an allowance recorded, interest income recognized	3
Total, recorded investment	2,344		2,191
Total, unpaid principal balance	2,418		2,283
Total, average recorded investment	2,268	1,716
Total, interest income recognized	20	21
Total, related allowance	365		152
Consumer Portfolio Segment [Member]
With no related allowance recorded, recorded investment
With no related allowance recorded, unpaid principal balance
With no related allowance recorded, average recorded investment
With no related allowance recorded, interest income recognized
With an allowance recorded, recorded investment
With an allowance recorded, unpaid principal balance
Impaired Financing Receivable, Related Allowance
With an allowance recorded, average recorded investment
With an allowance recorded, interest income recognized
Total, recorded investment
Total, unpaid principal balance
Total, average recorded investment
Total, interest income recognized
Total, related allowance
Manufactured Homes Portfolio Segment [Member]
With no related allowance recorded, recorded investment
With no related allowance recorded, unpaid principal balance
With no related allowance recorded, average recorded investment
With no related allowance recorded, interest income recognized
With an allowance recorded, recorded investment
With an allowance recorded, unpaid principal balance
Impaired Financing Receivable, Related Allowance
With an allowance recorded, average recorded investment
With an allowance recorded, interest income recognized
Total, recorded investment
Total, unpaid principal balance
Total, average recorded investment
Total, interest income recognized
Total, related allowance
Government Portfolio Segment [Member]
With no related allowance recorded, recorded investment
With no related allowance recorded, unpaid principal balance
With no related allowance recorded, average recorded investment
With no related allowance recorded, interest income recognized
With an allowance recorded, recorded investment
With an allowance recorded, unpaid principal balance
Impaired Financing Receivable, Related Allowance
With an allowance recorded, average recorded investment
With an allowance recorded, interest income recognized
Total, recorded investment
Total, unpaid principal balance
Total, average recorded investment
Total, interest income recognized
Total, related allowance

Note 5 - Loans Receivable - Age

Note 5 - Loans Receivable - Age Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Total Past Due	$ 23,380	$ 14,650
Current	895,582	892,219
Total Loans	918,962	906,869
Recorded investments greater than 90 past due and still accruing	1,137	866
Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	14,034	6,309
Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	3,326	2,434
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due	6,020	5,907
Residential Portfolio Segment [Member]
Total Past Due	9,388	8,542
Current	294,547	290,791
Total Loans	303,935	299,333
Recorded investments greater than 90 past due and still accruing	348	452
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	4,708	3,486
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	1,413	1,332
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due	3,267	3,724
Home Equity Portfolio Segment [Member]
Total Past Due	1,096	502
Current	47,654	48,679
Total Loans	48,750	49,181
Recorded investments greater than 90 past due and still accruing		19
Home Equity Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	593	90
Home Equity Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	129	24
Home Equity Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due	374	388
Commercial Real Estate Portfolio Segment [Member]
Total Past Due	7,829	2,350
Current	272,189	280,758
Total Loans	280,018	283,108
Recorded investments greater than 90 past due and still accruing	60	61
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	5,935	1,461
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	1,363	170
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due	531	719
Construction and Land Development Portfolio Segment [Member]
Total Past Due	664	432
Current	95,032	87,278
Total Loans	95,696	87,710
Recorded investments greater than 90 past due and still accruing
Construction and Land Development Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	664	143
Construction and Land Development Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due		289
Construction and Land Development Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due
Multifamily Portfolio Segment [Member]
Total Past Due	564	300
Current	51,333	50,986
Total Loans	51,897	51,286
Recorded investments greater than 90 past due and still accruing	75
Multifamily Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	339	140
Multifamily Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	119
Multifamily Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due	106	160
Farmland Portfolio Segment [Member]
Total Past Due
Current	224	227
Total Loans	224	227
Recorded investments greater than 90 past due and still accruing
Farmland Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due
Farmland Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due
Farmland Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due
Commercial Portfolio Segment [Member]
Total Past Due	3,664	2,379
Current	101,524	100,709
Total Loans	105,188	103,088
Recorded investments greater than 90 past due and still accruing	654	288
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	1,636	926
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	286	583
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due	1,742	870
Consumer Portfolio Segment [Member]
Total Past Due	7
Current	593	627
Total Loans	600	627
Recorded investments greater than 90 past due and still accruing
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	7
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due
Manufactured Homes Portfolio Segment [Member]
Total Past Due	168	145
Current	17,542	16,360
Total Loans	17,710	16,505
Recorded investments greater than 90 past due and still accruing		46
Manufactured Homes Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due	152	63
Manufactured Homes Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due	16	36
Manufactured Homes Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due		46
Government Portfolio Segment [Member]
Total Past Due
Current	14,944	15,804
Total Loans	14,944	15,804
Recorded investments greater than 90 past due and still accruing
Government Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Total Past Due
Government Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Total Past Due
Government Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Total Past Due

Note 5 - Loans Receivable - L_2

Note 5 - Loans Receivable - Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Financing receivables on nonaccrual status	$ 6,938	$ 6,507
Residential Portfolio Segment [Member]
Financing receivables on nonaccrual status	4,498	4,374
Home Equity Portfolio Segment [Member]
Financing receivables on nonaccrual status	470	473
Commercial Real Estate Portfolio Segment [Member]
Financing receivables on nonaccrual status	472	658
Construction and Land Development Portfolio Segment [Member]
Financing receivables on nonaccrual status
Multifamily Portfolio Segment [Member]
Financing receivables on nonaccrual status	410	420
Farmland Portfolio Segment [Member]
Financing receivables on nonaccrual status
Commercial Portfolio Segment [Member]
Financing receivables on nonaccrual status	1,088	582
Consumer Portfolio Segment [Member]
Financing receivables on nonaccrual status
Manufactured Homes Portfolio Segment [Member]
Financing receivables on nonaccrual status
Government Portfolio Segment [Member]
Financing receivables on nonaccrual status

Note 5 - Loans Receivable - Acc

Note 5 - Loans Receivable - Accretable Yield (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
2018, accretable yield collected	$ 422
2019, accretable yield collected	361
2020, to be collected	1,113
2021, to be collected	1,103
Total	3,477
2020, to be collected	866
2023, to be collected	395
First Personal Financial Corporation [Member]
2018, accretable yield collected	203
2019, accretable yield collected	115
2020, to be collected	333
2021, to be collected	323
Total	1,010
2020, to be collected	281
2023, to be collected	73
First Federal Savings and Loan [Member]
2018, accretable yield collected	22
2019, accretable yield collected
2020, to be collected
2021, to be collected
Total
2020, to be collected
2023, to be collected
Liberty Savings Bank [Member]
2018, accretable yield collected	42
2019, accretable yield collected
2020, to be collected
2021, to be collected
Total
2020, to be collected
2023, to be collected
AJS Bancorp, Inc [Member]
2018, accretable yield collected	155
2019, accretable yield collected	245
2020, to be collected	780
2021, to be collected	780
Total	2,467
2020, to be collected	585
2023, to be collected	322
Financial Asset Acquired with Credit Deterioration [Member] | First Personal Financial Corporation [Member]
2018, accretable yield collected	62
2019, accretable yield collected	29
2020, to be collected	68
2021, to be collected	23
Total	$ 91

Note 5 - Loans Receivable - Net

Note 5 - Loans Receivable - Net Fair Value Discount on Loans Receivable Acquired (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
First Federal Savings and Loan [Member]
Net fair value discount	$ 1,106
Accretable period in months (Month)
First Federal Savings and Loan [Member] | Purchased Credit Impaired Loans [Member]
Net fair value discount
Accretable period in months (Month)
Liberty Savings Bank [Member]
Net fair value discount	$ 1,208
Accretable period in months (Month)
Liberty Savings Bank [Member] | Purchased Credit Impaired Loans [Member]
Net fair value discount
Accretable period in months (Month)
First Personal Financial Corporation [Member]
Net fair value discount	$ 2,137
Accretable period in months (Month)
First Personal Financial Corporation [Member] | Purchased Credit Impaired Loans [Member]
Net fair value discount	$ 424
Accretable period in months (Month)	2 years 240 days
AJS Bancorp, Inc [Member]
Net fair value discount	$ 3,886
Accretable period in months (Month)
AJS Bancorp, Inc [Member] | Purchased Credit Impaired Loans [Member]
Net fair value discount
Accretable period in months (Month)
Residential Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount	$ 1,062
Accretable period in months (Month)	4 years 330 days
Residential Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount	$ 1,203
Accretable period in months (Month)	3 years 240 days
Residential Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 948
Accretable period in months (Month)	4 years 240 days
Residential Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount	$ 3,734
Accretable period in months (Month)	4 years 120 days
Home Equity Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount	$ 44
Accretable period in months (Month)	2 years 150 days
Home Equity Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount	$ 5
Accretable period in months (Month)	2 years 150 days
Home Equity Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 51
Accretable period in months (Month)	4 years 60 days
Home Equity Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount	$ 141
Accretable period in months (Month)	2 years 240 days
Commercial Real Estate Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount
Accretable period in months (Month)
Commercial Real Estate Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount
Accretable period in months (Month)
Commercial Real Estate Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 208
Accretable period in months (Month)	4 years 240 days
Commercial Real Estate Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount	$ 8
Accretable period in months (Month)	270 days
Construction and Land Development Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount
Accretable period in months (Month)
Construction and Land Development Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount
Accretable period in months (Month)
Construction and Land Development Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 1
Accretable period in months (Month)	2 years 180 days
Construction and Land Development Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount
Accretable period in months (Month)
Multifamily Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount
Accretable period in months (Month)
Multifamily Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount
Accretable period in months (Month)
Multifamily Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 11
Accretable period in months (Month)	4 years
Multifamily Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount	$ 2
Accretable period in months (Month)	4 years
Consumer Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount
Accretable period in months (Month)
Consumer Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount
Accretable period in months (Month)
Consumer Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 146
Accretable period in months (Month)	4 years 60 days
Consumer Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount	$ 1
Accretable period in months (Month)	150 days
Commercial Portfolio Segment [Member] | First Federal Savings and Loan [Member]
Net fair value discount
Accretable period in months (Month)
Commercial Portfolio Segment [Member] | Liberty Savings Bank [Member]
Net fair value discount
Accretable period in months (Month)
Commercial Portfolio Segment [Member] | First Personal Financial Corporation [Member]
Net fair value discount	$ 348
Accretable period in months (Month)	2 years
Commercial Portfolio Segment [Member] | AJS Bancorp, Inc [Member]
Net fair value discount
Accretable period in months (Month)

Note 6 - Foreclosed Real Esta_3

Note 6 - Foreclosed Real Estate - Foreclosed Real Estate (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Foreclosed real estate	$ 1,032	$ 1,083
Residential Portfolio Segment [Member]
Foreclosed real estate	906	957
Commercial Real Estate Portfolio Segment [Member]
Foreclosed real estate	$ 126	$ 126

Note 7 - Intangibles and Acqu_3

Note 7 - Intangibles and Acquisition Related Accounting (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Dec. 31, 2019	Jan. 24, 2019
Goodwill, Ending Balance	$ 11,109	$ 11,109
Goodwill, Impairment Loss	0
AJS Bancorp, Inc [Member]
Goodwill, Ending Balance	2,900		$ 2,939
Certificates of Deposit, Fair Value Premium	$ 174
Certificates of Deposit, Fair Value Premium, Amortization Period (Month)	1 year 60 days
Accretion (Amortization) of Discounts and Premiums, Investments	$ 34,000
AJS Bancorp, Inc [Member] | Core Deposits [Member]
Finite-Lived Intangible Asset, Useful Life (Year)	6 years 182 days
First Personal Financial Corporation [Member]
Goodwill, Ending Balance	$ 5,400
First Personal Financial Corporation [Member] | Core Deposits [Member]
Finite-Lived Core Deposits, Gross	$ 2,900
Finite-Lived Intangible Asset, Useful Life (Year)	6 years 146 days
First Federal Savings and Loan [Member]
Goodwill, Ending Balance	$ 2,000
First Federal Savings and Loan [Member] | Core Deposits [Member]
Finite-Lived Core Deposits, Gross	$ 93
Finite-Lived Intangible Asset, Useful Life (Year)	7 years 328 days
Liberty Savings Bank [Member]
Goodwill, Ending Balance	$ 804
Liberty Savings Bank [Member] | Core Deposits [Member]
Finite-Lived Core Deposits, Gross	$ 471
Finite-Lived Intangible Asset, Useful Life (Year)	8 years 73 days

Note 7 - Intangibles and Acqu_4

Note 7 - Intangibles and Acquisition Related Accounting - Annual Amortization (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Current period	$ 248
Remainder 2020	746
2021	994
2022	983
2023	962
2024	919
2025	261
2026
Total	4,865
First Federal Savings and Loan [Member]
Current period	3
Remainder 2020	9
2021	12
2022	1
2023
2024
2025
2026
Total	22
Liberty Savings Bank [Member]
Current period	14
Remainder 2020	44
2021	58
2022	58
2023	38
2024
2025
2026
Total	198
First Personal Financial Corporation [Member]
Current period	119
Remainder 2020	356
2021	475
2022	475
2023	475
2024	470
2025
2026
Total	2,251
AJS Bancorp, Inc [Member]
Current period	112
Remainder 2020	337
2021	449
2022	449
2023	449
2024	449
2025	261
2026
Total	$ 2,394

Note 9 - Earnings Per Share - R

Note 9 - Earnings Per Share - Reconciliation of Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Net income as reported	$ 3,192	$ 2,222
Weighted average common shares outstanding (in shares)	3,458,505	3,343,183
Basic earnings per common share (in dollars per share)	$ 0.92	$ 0.66
Add: Dilutive effect of assumed stock option exercises (in shares)
Weighted average common and dilutive potential common shares outstanding (in shares)	3,458,505	3,343,183
Diluted earnings per common share (in dollars per share)	$ 0.92	$ 0.66

Note 10 - Stock Based Compens_3

Note 10 - Stock Based Compensation (Details Textual) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019	Feb. 17, 2015
Share-based Payment Arrangement, Expense	$ 94	$ 71
Share Based Compensation Expense, Estimated Future Compensation, Total	902
Share Based Compensation Expense, Estimated For Remainder of Fiscal Year	322
Share Based Compensation Expense, Estimated For Year Two	339
Share Based Compensation Expense, Estimated For Year Three	209
Share Based Compensation Expense, Estimated For Year Four	$ 32
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)	13,243		7,407
2015 Stock Option and Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)				250,000
Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross (in shares)	0	0
Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Number, Ending Balance (in shares)	0
2015 Stock Option and Incentive Plan [Member] | Restricted Stock [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period (in shares)	13,243	7,407
2015 Stock Option and Incentive Plan [Member] | Restricted Stock [Member] | Minimum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	3 years
2015 Stock Option and Incentive Plan [Member] | Restricted Stock [Member] | Maximum [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period (Year)	5 years

Note 10 - Stock Based Compens_4

Note 10 - Stock Based Compensation - Restricted Stock Activity (Details) - $ / shares	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Non-vested, shares (in shares)	30,205	27,423
Non-vested, weighted average grant date fair value (in dollars per share)	$ 35.63	$ 32.58
Granted, shares (in shares)	13,243	7,407
Granted, weighted average grant date fair value (in dollars per share)	$ 44.30	$ 43
Vested, shares (in shares)	(6,400)	(4,625)
Vested, weighted average grant date fair value (in dollars per share)	$ 27.50	$ 29.37
Forfeited, shares (in shares)
Forfeited, weighted average grant date fair value (in dollars per share)
Non-vested, shares (in shares)	37,048	30,205
Non-vested, weighted average grant date fair value (in dollars per share)	$ 40.13	$ 35.63

Note 13 - Derivative Financia_3

Note 13 - Derivative Financial Instruments - Non-hedging Derivative Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Derivative assets, fair vale	$ 3,986		$ 1,544
Derivative liabilities, fair vale	3,282		1,358
Derivative instrument, Gain	518	$ 220
Not Designated as Hedging Instrument [Member]
Derivative, notational amount	81,377		42,288
Interest Rate Swap [Member] | Other Nonoperating Income (Expense) [Member]
Derivative instrument, Gain		220
Interest Rate Swap [Member] | Other Assets [Member]
Derivative assets, fair vale	3,282		1,358
Interest Rate Swap [Member] | Other Liabilities [Member]
Derivative liabilities, fair vale	3,282		1,358
Interest Rate Swap [Member] | Not Designated as Hedging Instrument [Member]
Derivative, notational amount	29,214		29,466
Loan Commitments [Member] | Other Nonoperating Income (Expense) [Member]
Derivative instrument, Gain	518
Loan Commitments [Member] | Other Assets [Member]
Derivative assets, fair vale	704		186
Loan Commitments [Member] | Other Liabilities [Member]
Derivative liabilities, fair vale
Loan Commitments [Member] | Not Designated as Hedging Instrument [Member]
Derivative, notational amount	$ 52,163		$ 12,822

Note 13 - Derivative Financia_4

Note 13 - Derivative Financial Instruments - Offset Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Gross amount of recognized assets	$ 3,986	$ 1,544
Gross amounts offset in the statements of financial condition
Net amount of assets presented in the statement of financial condition	3,986	1,544
Financial instruments
Cash collateral received
Net amount	3,986	1,544
Interest Rate Swap [Member]
Gross amount of recognized assets	3,282	1,358
Gross amounts offset in the statements of financial condition
Net amount of assets presented in the statement of financial condition	3,282	1,358
Financial instruments
Cash collateral received
Net amount	3,282	1,358
Loan Commitments [Member]
Gross amount of recognized assets	704	186
Gross amounts offset in the statements of financial condition
Net amount of assets presented in the statement of financial condition	704	186
Financial instruments
Cash collateral received
Net amount	$ 704	$ 186

Note 13 - Derivative Financia_5

Note 13 - Derivative Financial Instruments - Offset Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Gross amount of recognized liabilities	$ 3,282	$ 1,358
Gross amounts offset in the statement of financial condition
Net amount of liabilities present in the statement of financial condition	3,282	1,358
Financial instruments
Cash collateral pledged	3,350	2,290
Net amount	(68)	(932)
Interest Rate Swap [Member]
Gross amount of recognized liabilities	3,282	1,358
Gross amounts offset in the statement of financial condition
Net amount of liabilities present in the statement of financial condition	3,282	1,358
Financial instruments
Cash collateral pledged	3,350	2,290
Net amount	$ (68)	$ (932)

Note 14 - Fair Value (Details T

Note 14 - Fair Value (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2019	Mar. 31, 2020
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Additions, Additional Credit Losses	$ 0
Available-for-sale Securities, Amortized Cost Basis, Total		$ 2,200
Impaired Financing Receivable, Recorded Investment, Total	7,200	7,200
Impaired Financing Receivable, Related Allowance	166	377
Impaired Financing Receivable, Fair Value	$ 7,100	$ 6,800

Note 14 - Fair Value - Credit L

Note 14 - Fair Value - Credit Loss Roll Forward for Trust Preferred Securities Classified with Other Than Temporary Impairment (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Ending balance, December 31, 2019	$ 173
Additions not previously recognized
Ending balance, March 31, 2020	$ 173

Note 14 - Fair Value - Assets M

Note 14 - Fair Value - Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Total securities available-for-sale	$ 293,387	$ 277,219
Fair Value, Recurring [Member]
Total securities available-for-sale	293,387	277,219
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale	16,553	9,670
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale	276,061	266,473
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale	773	1,076
Money Market Funds [Member]
Total securities available-for-sale	16,553	9,670
Money Market Funds [Member] | Fair Value, Recurring [Member]
Total securities available-for-sale	16,553	9,670
Money Market Funds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale	16,553	9,670
Money Market Funds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale
Money Market Funds [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale
Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member]
Total securities available-for-sale	158,938
Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale
Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale	158,938
Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member]
Total securities available-for-sale		13,058
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale		13,058
US Government-sponsored Enterprises Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale
US States and Political Subdivisions Debt Securities [Member]
Total securities available-for-sale	117,123	102,427
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member]
Total securities available-for-sale	117,123	102,427
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale	117,123	102,427
US States and Political Subdivisions Debt Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Total securities available-for-sale	158,938	150,988
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member]
Total securities available-for-sale		150,988
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale		150,988
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale
Collateralized Debt Obligations [Member]
Total securities available-for-sale	773	1,076
Collateralized Debt Obligations [Member] | Fair Value, Recurring [Member]
Total securities available-for-sale	773	1,076
Collateralized Debt Obligations [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale
Collateralized Debt Obligations [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale
Collateralized Debt Obligations [Member] | Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale	$ 773	$ 1,076

Note 14 - Fair Value - Availabl

Note 14 - Fair Value - Available for Sale Securities (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($) $ in Thousands	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Beginning balance	$ 1,076	$ 2,049
Principal payments	(5)	(38)
Total unrealized gains (losses), included in other comprehensive income	(298)	52
Transfers in and/or (out) of Level 3		(987)
Sale out of Level 3
Ending balance	$ 773	$ 1,076

Note 14 - Fair Value - Assets_2

Note 14 - Fair Value - Assets Measured on a Nonrecurring Basis (Details) - Fair Value, Nonrecurring [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Impaired Loans [Member]
Assets, fair value	$ 6,774	$ 7,052
Impaired Loans [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, fair value
Impaired Loans [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, fair value
Impaired Loans [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, fair value	6,774	7,052
Foreclosed Real Estate [Member]
Assets, fair value	1,032	1,083
Foreclosed Real Estate [Member] | Fair Value, Inputs, Level 1 [Member]
Assets, fair value
Foreclosed Real Estate [Member] | Fair Value, Inputs, Level 2 [Member]
Assets, fair value
Foreclosed Real Estate [Member] | Fair Value, Inputs, Level 3 [Member]
Assets, fair value	$ 1,032	$ 1,083

Note 14 - Fair Value - Financia

Note 14 - Fair Value - Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Total securities available-for-sale	$ 293,387	$ 277,219
Interest rate swap agreements	3,986	1,544
Interest rate swap agreements	3,282	1,358
Securities available-for-sale	293,387	277,219
Reported Value Measurement [Member]
Cash and cash equivalents	42,146	47,258
Certificates of deposit in other financial institutions	1,741	2,170
Total securities available-for-sale	293,387	277,219
Loans held-for-sale	5,375	6,091
Loans receivable, net	909,451	897,870
Federal Home Loan Bank stock	3,912	3,912
Interest rate swap agreements	3,282	1,358
Accrued interest receivable	4,114	4,029
Non-interest bearing deposits	185,219	172,094
Interest bearing deposits	976,423	982,276
Repurchase agreements	12,991	11,499
Borrowed funds	14,000	14,000
Interest rate swap agreements	3,282	1,358
Accrued interest payable	94	179
Securities available-for-sale	293,387	277,219
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	42,146	47,258
Certificates of deposit in other financial institutions	1,715	2,137
Total securities available-for-sale	293,387	277,219
Loans held-for-sale	5,553	6,204
Loans receivable, net	904,358	917,174
Federal Home Loan Bank stock	3,912	3,912
Interest rate swap agreements	3,282	1,358
Accrued interest receivable	4,114	4,029
Non-interest bearing deposits	185,219	172,094
Interest bearing deposits	978,115	982,241
Repurchase agreements	12,999	11,499
Borrowed funds	14,197	14,108
Interest rate swap agreements	3,282	1,358
Accrued interest payable	94	179
Securities available-for-sale	293,387	277,219
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	42,146	47,258
Certificates of deposit in other financial institutions
Total securities available-for-sale	16,553	9,670
Loans held-for-sale	5,553	6,204
Loans receivable, net
Federal Home Loan Bank stock
Interest rate swap agreements
Accrued interest receivable
Non-interest bearing deposits	185,219	172,094
Interest bearing deposits	661,953	654,573
Repurchase agreements	11,213	9,721
Borrowed funds
Interest rate swap agreements
Accrued interest payable
Securities available-for-sale	16,553	9,670
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents
Certificates of deposit in other financial institutions	1,715	2,137
Total securities available-for-sale	276,061	266,473
Loans held-for-sale
Loans receivable, net
Federal Home Loan Bank stock	3,912	3,912
Interest rate swap agreements	3,282	1,358
Accrued interest receivable	4,114	4,029
Non-interest bearing deposits
Interest bearing deposits	316,162	327,668
Repurchase agreements	1,786	1,778
Borrowed funds	14,197	14,108
Interest rate swap agreements	3,282	1,358
Accrued interest payable	94	179
Securities available-for-sale	276,061	266,473
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents
Certificates of deposit in other financial institutions
Total securities available-for-sale	773	1,076
Loans held-for-sale
Loans receivable, net	904,358	917,174
Federal Home Loan Bank stock
Interest rate swap agreements
Accrued interest receivable
Non-interest bearing deposits
Interest bearing deposits
Repurchase agreements
Borrowed funds
Interest rate swap agreements
Accrued interest payable
Securities available-for-sale	$ 773	$ 1,076