Finward Bancorp (FNWD) 10-Q 16 May 22 2022 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2022	May 16, 2022
Document Information [Line Items]
Entity Central Index Key	0000919864
Entity Registrant Name	Finward Bancorp
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Mar. 31, 2022
Document Transition Report	false
Entity File Number	0-26128
Entity Incorporation, State or Country Code	IN
Entity Tax Identification Number	35-1927981
Entity Address, Address Line One	9204 Columbia Avenue
Entity Address, City or Town	Munster
Entity Address, State or Province	IN
Entity Address, Postal Zip Code	46321
City Area Code	219
Local Phone Number	836‑4400
Title of 12(b) Security	Common stock, no par value
Trading Symbol	FNWD
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,294,709

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
ASSETS
Cash and non-interest bearing deposits in other financial institutions	$ 21,262	$ 12,725
Interest bearing deposits in other financial institutions	31,420	19,987
Federal funds sold	1,819	464
Total cash and cash equivalents	54,501	33,176
Certificates of deposit in other financial institutions	1,731	1,709
Securities available-for-sale	464,320	526,889
Loans held-for-sale	1,420	4,987
Loans receivable, net of deferred fees and costs	1,439,728	966,720
Less: allowance for loan losses	(13,387)	(13,343)
Net loans receivable	1,426,341	953,377
Federal Home Loan Bank stock	3,038	3,247
Accrued interest receivable	7,427	5,444
Premises and equipment	45,773	31,385
Cash value of bank owned life insurance	31,378	31,440
Goodwill	22,774	11,109
Other intangible assets	5,998	3,126
Other assets	33,144	14,854
Total assets	2,097,845	1,620,743
Deposits:
Non-interest bearing	380,515	295,294
Interest bearing	1,514,696	1,138,907
Total	1,895,211	1,434,201
Repurchase agreements	23,239	14,581
Borrowed funds	5	0
Accrued expenses and other liabilities	21,753	15,346
Total liabilities	1,940,208	1,464,128
Stockholders' Equity:
Preferred stock, no par or stated value; 10,000,000 shares authorized, none outstanding	0	0
Common stock, no par or stated value; 10,000,000 shares authorized; shares issued and outstanding: March 31, 2022 - 4,294,136 December 31, 2021 - 3,480,701	0	0
Additional paid-in capital	68,386	30,430
Accumulated other comprehensive (loss) income	(33,462)	4,276
Retained earnings	122,713	121,909
Total stockholders' equity	157,637	156,615
Total liabilities and stockholders' equity	$ 2,097,845	$ 1,620,743

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - $ / shares $ / shares in Thousands	Mar. 31, 2022	Dec. 31, 2021
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, no par or stated 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)	4,294,136	4,294,136
Common stock, shares outstanding (in shares)	3,480,701	3,480,701

Consolidated Statements of Inco

Consolidated Statements of Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Interest income:
Loans receivable	$ 13,286	$ 10,746
Securities	2,597	1,961
Other interest earning assets	11	20
Total interest income	15,894	12,727
Interest expense:
Deposits	337	651
Repurchase agreements	16	10
Borrowed funds	6	20
Total interest expense	359	681
Net interest income	15,535	12,046
Provision for loan losses	0	578
Net interest income after provision for loan losses	15,535	11,468
Noninterest income:
Fees and service charges	1,304	1,066
Gain on sale of loans held-for-sale, net	607	2,049
Wealth management operations	595	607
Gain on sale of securities, net	381	417
Increase in cash value of bank owned life insurance	252	169
Gain (loss) on sale of foreclosed real estate	0	(9)
Other	5	14
Total noninterest income	3,144	4,313
Noninterest expense:
Compensation and benefits	7,367	5,685
Data processing	3,054	674
Occupancy and equipment	1,500	1,372
Marketing	651	199
Federal deposit insurance premiums	219	180
Other	3,478	2,383
Total noninterest expense	16,269	10,493
Income before income tax expenses	2,410	5,288
Income tax expenses	275	745
Net income	$ 2,135	$ 4,543
Earnings per common share:
Basic (in dollars per share)	$ 0.53	$ 1.31
Diluted (in dollars per share)	0.53	1.31
Dividends declared per common share (in dollars per share)	$ 0.31	$ 0.31

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Net income	$ 2,135	$ 4,543
Net change in net unrealized gains and losses on securities available-for-sale:
Unrealized loss arising during the period	(47,389)	(7,761)
Less: reclassification adjustment for gains included in net income	(381)	(417)
Net securities loss during the period	(47,770)	(8,178)
Tax effect	10,032	1,717
Other comprehensive loss, net of tax	(37,738)	(6,461)
Comprehensive loss, net of tax	$ (35,603)	$ (1,918)

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, 2020	$ 0	$ 29,987	$ 10,441	$ 111,261	$ 151,689
Net income	0	0	0	4,543	4,543
Other comprehensive loss, net of tax	0	0	(6,461)	0	(6,461)
Net surrender value of restricted stock awards	0	(68)	0	0	(68)
Stock-based compensation expense	0	146	0	0	146
Cash dividends	0	0	0	(1,079)	(1,079)
Balance at Mar. 31, 2021	0	30,065	3,980	114,725	148,770
Balance at Dec. 31, 2021	0	30,430	4,276	121,909	156,615
Net income	0	0	0	2,135	2,135
Other comprehensive loss, net of tax	0	0	(37,738)	0	(37,738)
Net surrender value of restricted stock awards	0	(115)	0	0	(115)
Stock-based compensation expense	0	169	0	0	169
Cash dividends	0	0	0	(1,331)	(1,331)
Issuance of 795,423 shares at $47.75 per share, for acquisition of Royal Financial, Inc.	0	37,902	0	0	37,902
Balance at Mar. 31, 2022	$ 0	$ 68,386	$ (33,462)	$ 122,713	$ 157,637

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
CASH FLOWS FROM OPERATING ACTIVITIES:
Net income	$ 2,135	$ 4,543
Adjustments to reconcile net income to net cash provided by operating activities:
Origination of loans for sale	(15,664)	(49,083)
Sale of loans originated for sale	19,760	57,876
Depreciation and amortization, net of accretion	1,191	1,043
Stock based compensation expense	169	146
Gain on sale of securities, net	(381)	(417)
Gain on sale of loans held-for-sale, net	(582)	(2,026)
Loss on sale of foreclosed real estate	0	9
Gain on cash value of bank owned life insurance	(252)	(169)
Gain on derivatives	(25)	(23)
Provision for loan losses	0	578
Net change in:
Interest receivable	(1,983)	(284)
Net change in other assets	1,504	2,643
Accrued expenses and other liabilities	(5,150)	1,558
Net cash provided by operating activities	722	16,394
CASH FLOWS FROM INVESTING ACTIVITIES:
Proceeds from maturities of certificates of deposit in other financial institutions	223	423
Proceeds from maturities and pay downs of securities available-for-sale	9,225	27,287
Proceeds from sales of securities available-for-sale	16,236	6,904
Purchase of securities available-for-sale	(10,724)	(54,540)
Proceeds from bank owned life insurance	314	0
Net change in loans receivable	(20,094)	(4,331)
Proceeds of Federal Home Loan Bank Stock	1,512	0
Purchase of loans receivable	(2,113)	(2,989)
Purchase of premises and equipment, net	(1,219)	(379)
Proceeds from sale of foreclosed real estate	0	48
Cash and cash equivalents from acquisition activity, net	33,799	0
Net cash provided by (used in) investing activities	27,159	(27,577)
CASH FLOWS FROM FINANCING ACTIVITIES:
Change in deposits	(14,025)	64,355
Repayment of FHLB advances	0	(6,000)
Net surrender value of restricted stock awards	(115)	(68)
Change in repurchase agreements and other borrowed funds	8,663	2,057
Dividends paid	(1,079)	(1,074)
Net cash (used in) provided by financing activities	(6,556)	59,270
Net change in cash and cash equivalents	21,325	48,087
Cash and cash equivalents at beginning of period	33,176	19,922
Cash and cash equivalents at end of period	54,501	68,009
SUPPLEMENTAL DISCLOSURES OF CASH FLOW INFORMATION:
Interest	339	690
Fair value of assets acquired, including cash and cash equivalents	528,083	0
Value of goodwill and other intangible assets	14,884	0
Fair value of liabilities assumed	486,340	0
Cash paid for acquisition	18,725	0
Issuance of common stock for acquisition	37,902	0
Noncash activities:
Dividends declared not paid	1,331	1,079
Securities purchased not settled	$ 0	$ 1,765

Note 1 - Basis of Presentation

Note 1 - Basis of Presentation	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Basis of Accounting [Text Block]	Note 1 The consolidated financial statements include the accounts of Finward Bancorp (the “Bancorp” or “FNWD”), its wholly-owned subsidiaries NWIN Risk Management, Inc. (a captive insurance subsidiary) and Peoples Bank (the “Bank”), and the Bank’s wholly-owned subsidiaries, Peoples Service Corporation, NWIN, LLC, NWIN Funding, Incorporated, 1683 10 not March 31, 2022, December 31, 2021, three March 31, 2022, 2021. three March 31, 2022, not The Notes to the Consolidated Financial Statements appearing in Finward Bancorp’s Annual Report on Form 10 2021 December 31, 2021 not no Revision of Previously Issued Financial Statements We have revised amounts reported in previously issued financial statements for the periods presented in this Quarterly Report on Form 10 second 2021. We evaluated the aggregate effects of the errors to our previously issued financial statements in accordance with SEC Staff Accounting Bulletins No. 99 No. 108 not 10 March 31, 2021. The following tables present the revisions to the line items of our previously issued financial statements to reflect the correction of the errors: Consolidated Statement of Income For the three months ending March 31, 2021 As Reported Adjustment As Revised Compensation and benefits $ 5,530 $ 155 $ 5,685 Total noninterest expense 10,338 155 10,493 Income before income tax expense 5,443 (155 ) 5,288 Income tax expenses 764 (19 ) 745 Net income 4,679 (136 ) 4,543 Earnings per common share: Basic 1.35 (0.04 ) 1.31 Diluted 1.35 (0.04 ) 1.31 Consolidated Statements of Comprehensive Income (Loss) For the three months ending March 31, 2021 As Reported Adjustment As Revised Net income $ 4,679 $ (136 ) $ 4,543 Comprehensive income, net of tax (1,782 ) (136 ) (1,918 ) Consolidated Statements of Changes in Stockholders' Equity Balance at January 1, 2021 As Reported Adjustment As Revised Retained earnings $ 112,494 $ (1,233 ) $ 111,261 Total equity 152,922 (1,233 ) 151,689 For the three months ending March 31, 2021 Net income 4,679 (136 ) 4,543 Retained earnings 116,094 (1,369 ) 114,725 Total equity 150,139 (1,369 ) 148,770 Consolidated Statements of Cash Flows For the three months ending March 31, 2021 As Reported Adjustment As Revised Net income $ 4,679 $ (136 ) $ 4,543 Net change in other assets 2,662 (19 ) 2,643 Net cash - operating activities 16,549 (155 ) 16,394 Net change in loan (4,486 ) 155 (4,331 ) Net cash - investing activities (27,732 ) 155 (27,577 )

Note 2 - Use of Estimates

Note 2 - Use of Estimates	3 Months Ended
	Mar. 31, 2022
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, loan servicing rights, investment securities, deferred tax assets, goodwill, and the status of contingencies are particularly susceptible to material change in the near term.

Note 3 - Acquisition Activity

Note 3 - Acquisition Activity	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Business Combination Disclosure [Text Block]	Note 3 On January 31, 2022, July 28, 2021 ( December 13, 2021. Under the terms of the merger agreement, RYFL stockholders who owned 101 no As a result of RYFL stockholder stock and cash elections and the related allocation and proration provisions of the merger agreement, Finward issued 795,423 shares of its common stock and paid cash consideration of approximately $18.7 million in the Merger. Based on the January 28, 2022, eight 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, which are based on estimates and assumptions that are subject to change, the final purchase price for the Royal acquisition is allocated as follows: ASSETS LIABILITIES Cash and due from banks $ 52,524 Deposits Investment securities, available for sale - Non-interest bearing $ 32,095 Certificate of deposit in other financial institutions 245 NOW accounts 63,639 Savings and money market 184,149 Total Loans 450,757 Certificates of deposits 195,153 Total Deposits 475,036 Premises and equipment, net 13,848 FHLB stock 1,303 Interest payable 75 Goodwill 11,664 Other liabilities 11,228 Core deposit intangible 3,220 Interest receivable 1,836 Other assets 7,569 Total assets purchased $ 542,966 Common shares issued 37,902 Cash paid 18,725 Total purchase price $ 56,627 Total liabilities assumed $ 486,339 Final estimates of fair value on the date of acquisition have not one Goodwill of approximately $11.7 million, which is the excess of the acquisition consideration over the fair value of net assets acquired, is expected to be recorded in the RYFL acquisition and is the result of expected operational synergies and other factors. This goodwill is not Gross loans acquired during the RYFL transaction totaled $456.7 million. As of the three March 31, 2022, Revenue, excluding all purchase accounting adjustments, attributed to RYFL totaled $3.2 million for the three March 31, 2022. The following pro-forma and earnings (unaudited) of the combined company are presented as if the RYFL merger had occurred on January 1, 2022 January 1, 2021: For the three months ended For the three months ended (in thousands) March 31, 2022 March 31, 2021 Selected Financial Data Interest income $ 17,589 $ 17,391 Interest expense (460 ) (1,191 ) Recovery of (provision for) loan losses - (278 ) Non-interest income 3,283 4,516 Non-interest expense (1) (14,397 ) (12,945 ) Income before provision for income taxes 6,015 7,493 Income tax expense (1,032 ) (1,173 ) Net income $ 4,983 $ 6,320 Earnings per common share: Basic $ 1.24 $ 1.82 Diluted $ 1.24 $ 1.82 ( 1 Excludes $2.9 million in pre-tax merger expenses for the three March 31, 2022. As of the three March 31, 2022, $2.9 one Three months ended Noninterest expense: March 31, 2022 Compensation and benefits $ 132 Data processing 1,929 Marketing 135 Other 656 Period merger expense $ 2,852

Note 4 - Securities

Note 4 - Securities	3 Months Ended
	Mar. 31, 2022
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, 2022 U.S. government sponsored entities $ 8,883 $ - $ (681 ) $ 8,202 U.S. treasury securities 199 - - 199 Collateralized mortgage obligations and residential mortgage-backed securities 178,431 45 (14,353 ) 164,123 Municipal securities 317,000 1,727 (27,903 ) 290,824 Collateralized debt obligations 2,173 - (1,201 ) 972 Total securities available-for-sale $ 506,686 $ 1,772 $ (44,138 ) $ 464,320 (Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value December 31, 2021 U.S. government sponsored entities $ 8,883 $ - $ (214 ) $ 8,669 U.S. treasury securities 400 - - 400 Collateralized mortgage obligations and residential mortgage-backed securities 187,279 961 (3,539 ) 184,701 Municipal securities 322,750 9,904 (527 ) 332,127 Collateralized debt obligations 2,173 - (1,181 ) 992 Total securities available-for-sale $ 521,485 $ 10,865 $ (5,461 ) $ 526,889 The estimated fair value of available-for-sale debt securities at March 31, 2022, not (Dollars in thousands) Available-for-sale Estimated Cost Fair March 31, 2022 Basis Value Due in one year or less $ 389 $ 390 Due from one to five years 1,759 1,763 Due from five to ten years 30,204 29,468 Due over ten years 295,903 268,576 Collateralized mortgage obligations and residential mortgage-backed securities 178,431 164,123 Total $ 506,686 $ 464,320 The contractual maturities and weighted average yields for the U.S. government securities, agency securities, municipal securities, and trust preferred securities at March 31, 2022, not not 000’s The weighted average yields were calculated by multiplying each carrying value by its yield and dividing the sum of these results by the total carrying values. Yields presented are not Within 1 Year 1 - 5 Years 5 - 10 Years After 10 Years Total Amount Yield Amount Yield Amount Yield Amount Yield Amount U.S. government sponsored entities: $ - 0.00 % $ - 0.00 % $ 8,202 1.00 % $ - 0.00 % $ 8,202 AFS U.S. treasury securities: AFS 199 0.13 % - 0.00 % - 0.00 % - 0.00 % 199 Municipal Securities: AFS 191 4.84 % 1,763 4.13 % 21,266 3.56 % 267,604 2.87 % 290,824 Trust Preferred Securities: AFS - 0.00 % - 0.00 % - 0.00 % 972 1.57 % 972 Totals $ 390 2.43 % $ 1,763 4.13 % $ 29,468 2.85 % $ 268,576 2.87 % $ 300,197 Sales of available-for-sale securities were as follows for the three (Dollars in thousands) March 31, March 31, 2022 2021 Proceeds $ 16,236 $ 6,904 Gross gains 397 417 Gross losses (16 ) - 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, 2021 $ 4,276 Current period change (37,738 ) Ending balance, March 31, 2022 $ (33,462 ) Securities with market values of approximately $34.8 million and $39.5 million were pledged as of March 31, 2022, December 31, 2021, Securities with gross unrealized losses at March 31, 2022, December 31, 2021, not (Dollars in thousands) Less than 12 months 12 months or longer Total Percentage of Estimated Estimated Estimated Total Portfolio Fair Unrealized Fair Unrealized Fair Unrealized in Loss Value Losses Value Losses Value Losses Position March 31, 2022 U.S. government sponsored entities $ - $ - $ 8,202 $ (681 ) $ 8,202 $ (681 ) 100.0 % Collateralized mortgage obligations and residential mortgage-backed securities 99,994 (7,368 ) 60,792 (6,985 ) 160,786 (14,353 ) 98.0 % Municipal securities 232,220 (27,678 ) 2,594 (225 ) 234,814 (27,903 ) 80.7 % Collateralized debt obligations - - 972 (1,201 ) 972 (1,201 ) 100.0 % Total temporarily impaired $ 332,214 $ (35,046 ) $ 72,560 $ (9,092 ) $ 404,774 $ (44,138 ) 87.2 % Number of securities 384 33 417 (Dollars in thousands) Less than 12 months 12 months or longer Total Percentage of Estimated Estimated Estimated Total Portfolio Fair Unrealized Fair Unrealized Fair Unrealized in Loss Value Losses Value Losses Value Losses Position December 31, 2021 U.S. government sponsored entities $ 8,669 $ (214 ) $ - $ - $ 8,669 $ (214 ) 100.0 % Collateralized mortgage obligations and residential mortgage-backed securities 126,373 (3,175 ) 8,109 (364 ) 134,482 (3,539 ) 72.8 % Municipal securities 70,309 (527 ) - - 70,309 (527 ) 21.2 % Collateralized debt obligations - - 992 (1,181 ) 992 (1,181 ) 100.0 % Total temporarily impaired $ 205,351 $ (3,916 ) $ 9,101 $ (1,545 ) $ 214,452 $ (5,461 ) 40.7 % Number of securities 133 5 138 Unrealized losses on securities have not

Note 5 - Loans Receivable

Note 5 - Loans Receivable	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	Note 5 The Bancorp’s current lending programs are described below: Residential Real Estate. 80% 97% not Fixed rate loans currently originated generally conform to Freddie Mac guidelines for loans purchased under the one‑to‑four family program. Loan interest rates are determined based on secondary market yield requirements and local market conditions. Fixed rate mortgage loans with contractual maturities generally exceeding fifteen may The Bancorp’s Adjustable Rate Mortgage Loans (“ARMs”) include offerings that reprice annually or are “Mini-Fixed.” The “Mini‑Fixed” mortgage reprices annually after a one, three, five, seven ten Home Equity Line of Credit. second second Fixed term home improvement and equity loans are made up to a maximum of 85% of the appraised value of the improved property, less any outstanding liens. These loans are offered on both a fixed and variable rate basis with a maximum term of 240 months. All home equity loans are made on a direct basis to borrowers. Commercial Real Estate and Multifamily Loans. 15 seven ten In originating commercial real estate loans, the Bancorp considers the feasibility of the project, the financial strength of the borrowers and lessees, the managerial ability of the borrowers, the location of the project and the economic environment. Management evaluates the debt coverage ratio and analyzes the reliability of cash flows, as well as the quality of earnings. All such loans are made in accordance with well-defined underwriting standards and are generally supported by personal guarantees, which represent a secondary source of repayment. Loans for the construction of commercial properties are generally located within an area permitting physical inspection and regular review of business records. Projects financed outside of the Bancorp’s primary lending area generally involve borrowers and guarantors who are or were previous customers of the Bancorp or projects that are underwritten according to the Bank’s underwriting standards. Construction and Land Development. six one Loans are also made for the construction of commercial properties. All such loans are made in accordance with well-defined underwriting standards. Generally if the loans are not not not two Commercial Business. not Consumer Loans. Manufactured Homes. third Government Loans. Loans receivable are summarized below: (Dollars in thousands) March 31, 2022 December 31, 2021 Loans secured by real estate: Residential real estate $ 444,753 $ 260,134 Home equity 34,284 34,612 Commercial real estate 408,375 317,145 Construction and land development 150,810 123,822 Multifamily 234,267 61,194 Total loans secured by real estate 1,272,489 796,907 Commercial business 112,396 115,772 Consumer 924 582 Manufactured homes 38,636 37,887 Government 8,176 8,991 Loans receivable 1,432,621 960,139 Add (less): Net deferred loan origination costs 6,700 6,810 Undisbursed loan funds 407 (229 ) Loans receivable, net of deferred fees and costs $ 1,439,728 $ 966,720 (Dollars in thousands) Beginning Balance 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, 2022: Allowance for loan losses: Residential real estate $ 2,480 $ - $ 21 $ (8 ) $ 2,493 Home equity 357 - - (3 ) 354 Commercial real estate 5,515 - - 15 5,530 Construction and land development 2,119 - - 16 2,135 Multifamily 848 - - 41 889 Commercial business 2,009 - 31 (99 ) 1,941 Consumer 15 (10 ) 2 38 45 Manufactured homes - - - - - Government - - - - - Total $ 13,343 $ (10 ) $ 54 $ - $ 13,387 The Bancorp's activity in the allowance for loan losses, by loan segment, is summarized below for the three March 31, 2021: Allowance for loan losses: Residential real estate $ 2,211 $ (4 ) $ 10 $ (41 ) $ 2,176 Home equity 276 (1 ) - 34 309 Commercial real estate 5,406 - - 320 5,726 Construction and land development 1,405 - - 182 1,587 Multifamily 626 - - 54 680 Commercial business 2,508 - 8 36 2,552 Consumer 26 (6 ) 4 (7 ) 17 Manufactured homes - - - - - Government - - - - - Total $ 12,458 $ (11 ) $ 22 $ 578 $ 13,047 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 March 31, 2022 December 31, 2021, 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 Individually evaluated for impairment Purchased credit impaired 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, 2022: Residential real estate $ 17 $ 2,476 $ 444,753 $ 753 $ 2,908 $ 441,092 Home equity 4 350 34,284 135 134 34,015 Commercial real estate 440 5,090 408,375 1,496 2,965 403,914 Construction and land development - 2,135 150,810 - 804 150,006 Multifamily - 889 234,267 - 3,302 230,965 Commercial business 259 1,682 112,396 501 1,061 110,834 Consumer - 45 924 - 21 903 Manufactured homes - - 38,636 - - 38,636 Government - - 8,176 - - 8,176 Total $ 720 $ 12,667 $ 1,432,621 $ 2,885 $ 11,195 $ 1,418,541 The Bancorp's allowance for loan losses impairment evaluation and loan receivables are summarized below at December 31, 2021: Residential real estate $ 17 $ 2,463 $ 260,134 $ 755 $ 1,016 $ 258,363 Home equity 4 353 34,612 147 137 34,328 Commercial real estate 386 5,129 317,145 1,600 - 315,545 Construction and land development - 2,119 123,822 - - 123,822 Multifamily - 848 61,194 - 556 60,638 Commercial business 277 1,732 115,772 524 1,073 114,175 Consumer - 15 582 - - 582 Manufactured homes - - 37,887 - - 37,887 Government - - 8,991 - - 8,991 Total $ 684 $ 12,659 $ 960,139 $ 3,026 $ 2,782 $ 954,331 The Bancorp's credit quality indicators are summarized below at March 31, 2022 December 31, 2021: Credit Exposure - Credit Risk Portfolio By Creditworthiness Category March 31, 2022 (Dollars in thousands) 1 6 7 8 Loan Segment Pass Special mention Substandard Total Residential real estate $ 435,814 $ 2,308 $ 6,631 $ 444,753 Home equity 33,234 415 635 34,284 Commercial real estate 390,533 11,391 6,451 408,375 Construction and land development 146,407 4,403 - 150,810 Multifamily 229,705 1,532 3,030 234,267 Commercial business 108,605 3,395 396 112,396 Consumer 924 - - 924 Manufactured homes 38,577 59 - 38,636 Government 8,176 - - 8,176 Total $ 1,391,975 $ 23,503 $ 17,143 $ 1,432,621 December 31, 2021 (Dollars in thousands) 1 6 7 8 Loan Segment Pass Special mention Substandard Total Residential real estate $ 253,472 $ 2,940 $ 3,722 $ 260,134 Home equity 33,565 415 632 34,612 Commercial real estate 301,572 12,011 3,562 317,145 Construction and land development 120,192 3,630 - 123,822 Multifamily 60,657 153 384 61,194 Commercial business 113,470 1,915 387 115,772 Consumer 582 - - 582 Manufactured homes 37,828 59 - 37,887 Government 8,991 - - 8,991 Total $ 930,329 $ 21,123 $ 8,687 $ 960,139 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 Superior Quality Loans in this category are substantially risk free. Loans fully collateralized by a Bank certificate of deposit or Bank deposits with a hold are substantially risk free. 2 Excellent Quality The borrower generates excellent and consistent cash flow for debt coverage, excellent average credit scores, excellent liquidity and net worth and are reputable operators with over 15 3 Great Quality The borrower generates more than sufficient cash flow to fund debt service and cash flow is improving. Average credit scores are very strong. Operators are reputable with significant years of experience. Liquidity, net worth, current and debt to tangible net worth ratios are very strong. Loan to value is significantly below policy and collateral condition is significantly above average. 4 Above Average Quality The borrower generates more than sufficient cash flow to fund debt service but cash flow trends may 5 Average Quality Borrowers are considered creditworthy and can repay the debt in the normal course of business, however, cash flow trends may 6 Pass Borrowers are considered credit worthy but financial condition may may may 7 Special Mention A special mention asset has identified weaknesses that deserve Management’s close attention. If left uncorrected, these weaknesses may not not Loans in this category may may may may 1:1. may may may may may may 8 Substandard 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 9 Doubtful Such loans have been placed on nonaccrual status and may 10 Loss Loans that are considered uncollectible and of such little value that continuing to carry them as assets is not Performing loans are loans that are paying as agreed and are approximately less than ninety During the three March 31, 2022, three March 31, 2021, three March 31, 2021. not The Bancorp's individually evaluated impaired loans are summarized below: (Dollars in thousands) For the three months ended (unaudited) As of March 31, 2022 March 31, 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 3,575 $ 5,070 $ - $ 2,629 $ 30 Home equity 248 263 - 255 7 Commercial real estate 3,610 3,722 - 2,188 10 Construction and land development 804 920 - 460 - Multifamily 3,302 4,241 - 2,036 - Commercial business 1,247 1,363 - 1,226 15 Consumer 21 21 - 11 - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 86 $ 86 $ 17 $ 87 $ 3 Home equity 21 21 4 22 1 Commercial real estate 851 852 440 843 - Construction and land development - - - - - Multifamily - - - - - Commercial business 315 377 259 354 16 Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 3,661 $ 5,156 $ 17 $ 2,716 $ 33 Home equity $ 269 $ 284 $ 4 $ 277 $ 8 Commercial real estate $ 4,461 $ 4,574 $ 440 $ 3,031 $ 10 Construction & land development $ 804 $ 920 $ - $ 460 $ - Multifamily $ 3,302 $ 4,241 $ - $ 2,036 $ - Commercial business $ 1,562 $ 1,740 $ 259 $ 1,580 $ 31 Consumer $ 21 $ 21 $ - $ 11 $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ - For the three months ended As of December 31, 2021 March 31, 2021 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 1,683 $ 3,017 $ - $ 1,817 $ 22 Home equity 262 275 - 341 4 Commercial real estate 765 765 - 1,174 12 Construction & land development - - - - - Multifamily 556 647 - 708 5 Commercial business 1,205 1,324 - 1,467 18 Consumer - - - - - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 88 $ 88 $ 17 $ 217 $ 5 Home equity 22 22 4 12 - Commercial real estate 835 835 386 5,549 50 Construction & land development - - - - - Multifamily - - - - - Commercial business 392 392 277 737 11 Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 1,771 $ 3,105 $ 17 $ 2,034 $ 27 Home equity $ 284 $ 297 $ 4 $ 353 $ 4 Commercial real estate $ 1,600 $ 1,600 $ 386 $ 6,723 $ 62 Construction & land development $ - $ - $ - $ - $ - Multifamily $ 556 $ 647 $ - $ 708 $ 5 Commercial business $ 1,597 $ 1,716 $ 277 $ 2,204 $ 29 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, 2022 Residential real estate $ 3,056 $ 1,388 $ 3,528 $ 7,972 $ 436,781 $ 444,753 $ 117 Home equity 37 18 534 589 33,695 34,284 - Commercial real estate 1,665 805 1,015 3,485 404,890 408,375 163 Construction and land development 2,513 - - 2,513 148,297 150,810 - Multifamily 55 18 111 184 234,083 234,267 - Commercial business 970 - 583 1,553 110,843 112,396 214 Consumer - - - - 924 924 - Manufactured homes 316 204 - 520 38,116 38,636 - Government - - - - 8,176 8,176 - Total $ 8,612 $ 2,433 $ 5,771 $ 16,816 $ 1,415,805 $ 1,432,621 $ 494 December 31, 2021 Residential real estate $ 2,507 $ 824 $ 2,142 $ 5,473 $ 254,661 $ 260,134 $ 31 Home equity 169 67 565 801 33,811 34,612 34 Commercial real estate 231 1,960 944 3,135 314,010 317,145 91 Construction and land development 5,148 283 - 5,431 118,391 123,822 - Multifamily - - 109 109 61,085 61,194 - Commercial business 573 1,594 242 2,409 113,363 115,772 49 Consumer - 3 - 3 579 582 - Manufactured homes 633 171 - 804 37,083 37,887 - Government - - - - 8,991 8,991 - Total $ 9,261 $ 4,902 $ 4,002 $ 18,165 $ 941,974 $ 960,139 $ 205 The Bancorp's loans on nonaccrual status are summarized below: (Dollars in thousands) March 31, 2022 December 31, 2021 Residential real estate $ 5,710 $ 4,651 Home equity 620 623 Commercial real estate 1,263 940 Construction and land development - - Multifamily 447 455 Commercial business 374 387 Consumer - - Manufactured homes - - Government - - Total $ 8,414 $ 7,056 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, 2022, December 31, 2021, As part of the fair value of loans receivable, there was a net fair value discount for loans acquired of $6.4 million at March 31, 2022, December 31, 2021. Accretable yield, or income recorded for the three March 31, (dollars in thousands) Total 2021 $ 305 2022 107 Accretable yield, or income expected to be recorded in the future is as follows: (dollars in thousands) Total Remainder 2022 $ 719 2023 804 2024 623 2025 605 2026 and thereafter 3,671 Total $ 6,422

Note 6 - Intangibles and Acquis

Note 6 - Intangibles and Acquisition Related Accounting	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Goodwill and Intangible Assets Disclosure [Text Block]	Note 6 Intangibles and Acquisition Related Accounting The Bancorp established a goodwill balance totaling $11.7 million with the acquisition of Royal, and also maintains goodwill balances totaling $11.1 million from prior acquisitions. Goodwill is tested annually for impairment. Goodwill arising from business combinations represents the value attributable to unidentifiable intangible assets in the business acquired. The Bancorp’s goodwill relates to the value inherent in the banking industry and that value is dependent upon the ability of the Bancorp to provide quality, cost effective banking services in a competitive marketplace. If the implied fair value of goodwill is lower than its carrying amount, goodwill impairment is indicated and goodwill is written down to its implied fair value. There has not $11.1 March 31, 2022 December 31, 2021, In addition to goodwill, a core deposit intangible was established with the acquisition of Royal and from previous acquisitons. The Bancorp had core deposit intangible balances of $6.0 million and $3.1 million as of March 31, 2022, December 31, 2021, The amortization recorded for the three March 31, (dollars in thousands) Total 2021 $ 248 2022 $ 347 Amortization to be recorded in future periods, is as follows: (dollars in thousands) Total Current year 1,205 2023 1,522 2024 1,411 2025 688 5 years and thereafter 1,172 Total $ 5,998 For the Royal acquisition, as part of the fair value of certificates of deposit, a fair value premium was established of $1.0 million. Approximately $129 thousand of amortization was taken as income during the three March 31, 2022. 2022, 2023, 2024, 2025,

Note 7 - Concentrations of Cred

Note 7 - Concentrations of Credit Risk	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Concentration Risk Disclosure [Text Block]	Note 7 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 8 - Earnings Per Share

Note 8 - Earnings Per Share	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Earnings Per Share [Text Block]	Note 8 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, 2022, 2021 (dollars in thousands except per share data) Period ended March 31, 2022 2021 Basic earnings per common share: Net income as reported $ 2,135 $ 4,543 Weighted average common shares outstanding 4,020,815 3,471,604 Basic earnings per common share $ 0.53 $ 1.31 Diluted earnings per common share: Net income as reported $ 2,135 $ 4,543 Weighted average common shares outstanding 4,020,815 3,471,604 Weighted average common and dilutive potential common shares outstanding 4,020,815 3,471,604 Diluted earnings per common share $ 0.53 $ 1.31

Note 9 - Stock Based Compensati

Note 9 - Stock Based Compensation	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Share-Based Payment Arrangement [Text Block]	Note 9 The Bancorp’s 2015 February 27, 2015, April 24, 2015, 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, 2022, three March 31, 2021. 2025 There were 18,891 shares of restricted stock granted during the first three 2022 first three 2021. three five three March 31, 2022, Non-vested Shares Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2022 44,235 $ 42.33 Granted 18,891 47.96 Vested (10,863 ) 41.56 Forfeited (513 ) 44.17 Non-vested at March 31, 2022 51,750 $ 44.53

Note 10 - Change in Accounting

Note 10 - Change in Accounting Principles	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	Note 10 Change in Accounting Principles In December 2019, 2019 12 740 not December 15, 2020. 2019 12 January 1, 2021 not

Note 11 - Upcoming Accounting S

Note 11 - Upcoming Accounting Standards	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Description of Upcoming Accounting Pronouncements [Text Block]	Note 11 In June 2016, No. 2016 13, October 2019, December 15, 2022, January 1, 2023. first December 15, 2018, In March 2020, No. 2020 04 848 January 2021, 2021 01 848 March 12, 2020, December 31, 2022. December 31, 2020, December 31, 2022, not In October 2021, 2021 08 December 15, 2022, January 1, 2023, not In March 2022, 2022 01 December 15, 2022, not not In March 2022, 2022 02, 326 2022 02 December 15, 2022, 2022 02

Note 12 - Derivative Financial

Note 12 - Derivative Financial Instruments	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Derivative Instruments and Hedging Activities Disclosure [Text Block]	Note 12 Derivative Financial Instruments The Bancorp uses derivative financial instruments to help manage exposure to interest rate risk and the effects that changes in interest rates may 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, 2022 Asset derivatives Liability derivatives (Dollars in thousands) Notational or contractual amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 93,890 Other assets $ 4,990 Other liabilties $ 4,990 Interest rate lock commitments 8,738 Other assets 166 N/A - Total $ 102,628 $ 5,156 $ 4,990 December 31, 2021 Asset derivatives Liability derivatives (Dollars in thousands) Notational or contractual amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 94,154 Other assets $ 2,686 Other liabilties $ 2,686 Interest rate lock commitments 7,837 Other assets 141 N/A - Total $ 101,991 $ 2,827 $ 2,686 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 2022 2021 Interest rate swap contracts Fees and service charges $ - $ (13 ) Interest rate lock commitments Gain on sale of loans held-for-sale, net 25 23 Total $ 25 $ 10 The following table shows the offsetting of financial assets and derivative assets: Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Assets Presented in the Statement Gross Amounts not Offset in the Statement of Financial Condition (Dollars in thousands) Recognized Assets Financial Condition of Financial Condition Financial Instruments Cash Collateral Received Net Amount March 31, 2022 Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - $ - $ 4,990 Interest rate lock commitments 166 - 166 - - 166 Total $ 5,156 $ - $ 5,156 $ - $ - $ 5,156 Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Liabilities Presented in the Statement (Dollars in thousands) Recognized Liabilities Financial Condition of Financial Condition Financial Instruments Cash Collateral Received Net Amount December 31, 2021 Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - $ - $ 2,686 Interest rate lock commitments 141 - 141 - - 141 Total $ 2,827 $ - $ 2,827 $ - $ - $ 2,827 The following table shows the offsetting of financial liabilities and derivative liabilities: Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Liabilities Presented in the Statement of Gross Amounts not Offset in the Statement of Financial Condition (Dollars in thousands) Recognized Liabilities Financial Condition Financial Condition Financial Instruments Cash Collateral Pledged Net Amount March 31, 2022 Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - $ 3,930 $ 1,060 Total $ 4,990 $ - $ 4,990 $ - $ 3,930 $ 1,060 Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Liabilities Presented in the Statement of Gross Amounts not Offset in the Statement of Financial Condition (Dollars in thousands) Recognized Liabilities Financial Condition Financial Condition Financial Instruments Cash Collateral Pledged Net Amount December 31, 2021 Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - $ 3,930 $ (1,244 ) Total $ 2,686 $ - $ 2,686 $ - $ 3,930 $ (1,244 )

Note 13 - Fair Value

Note 13 - Fair Value	3 Months Ended
	Mar. 31, 2022
Notes to Financial Statements
Fair Value Disclosures [Text Block]	Note 13 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 December 31, 2021. December 31, 2022. 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 impairment Ending balance, December 31, 2021 $ 173 Additions not previously recognized - Ending balance,March 31, 2022 $ 173 At March 31, 2022, not not Assets and Liabilities Measured at Fair Value on a Recurring Basis There were no 1 2 three March 31, 2022. (Dollars in thousands) Fair Value Measurements at March 31, 2022 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets: Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - Interest rate lock commitments 166 - 166 - Available-for-sale debt securities: U.S. government sponsored entities 8,202 - 8,202 - U.S. treasury securities 199 - 199 - Collateralized mortgage obligations and residential mortgage-backed securities 164,123 - 164,123 - Municipal securities 290,824 - 290,824 - Collateralized debt obligations 972 - - 972 Total securities available-for-sale $ 464,320 $ - $ 463,348 $ 972 Liabilities: Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - (Dollars in thousands) Fair Value Measurements at December 31, 2021 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets: Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - Interest rate lock commitments 141 - 141 - Available-for-sale debt securities: U.S. government sponsored entities 8,669 - 8,669 - U.S. treasury securities 400 - 400 - Collateralized mortgage obligations and residential mortgage-backed securities 184,701 - 184,701 - Municipal securities 332,127 - 332,127 - Collateralized debt obligations 992 - - 992 Total securities available-for-sale $ 526,889 $ - $ 525,897 $ 992 Liabilities: Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - 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 Measurements Using Significant Unobservable Inputs (Level 3) Available-for- Beginning balance, January 1, 2021 $ 929 Principal payments (5 ) Total unrealized losses, included in other comprehensive income 20 Ending balance, March 31, 2021 $ 944 Beginning balance, January 1, 2022 $ 992 Principal payments - Total unrealized gains, included in other comprehensive income (20 ) Ending balance, March 31, 2022 $ 972 Assets measured at fair value on a non-recurring basis are summarized below: (Dollars in thousands) Fair Value Measurements at March 31, 2022 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 151 $ - $ - $ 151 (Dollars in thousands) Fair Value Measurements at December 31, 2021 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 896 $ - $ - $ 896 Fair value is determined, where possible, using market prices derived from an appraisal or evaluation, which are considered to be Level 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, 2022 Estimated Fair Value Measurements at March 31, 2022 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Identical Assets Significant Significant Financial assets: Cash and cash equivalents $ 54,501 $ 54,501 $ 54,501 $ - $ - Certificates of deposit in other financial institutions 1,731 1,650 - 1,650 - Loans held-for-sale 1,420 1,445 - 1,445 - Loans receivable, net 1,426,341 1,382,030 - - 1,382,030 Federal Home Loan Bank stock 3,038 3,038 - 3,038 - Accrued interest receivable 7,427 7,427 - 7,427 - Financial liabilities: Non-interest bearing deposits 380,515 380,515 380,515 - - Interest bearing deposits 1,514,696 1,513,699 1,084,309 429,390 - Repurchase agreements 23,239 23,150 12,939 10,211 - Borrowed funds 5 5 5 - - Accrued interest payable 42 42 - 42 - December 31, 2021 Estimated Fair Value Measurements at December 31, 2021 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Identical Assets Significant Significant Financial assets: Cash and cash equivalents $ 33,176 $ 33,176 $ 33,176 $ - $ - Certificates of deposit in other financial institutions 1,709 1,737 - 1,737 - Loans held-for-sale 4,987 5,065 - 5,065 - Loans receivable, net 953,377 951,744 - - 951,744 Federal Home Loan Bank stock 3,247 3,247 - 3,247 - Accrued interest receivable 5,444 5,444 - 5,444 - Financial liabilities: Non-interest bearing deposits 295,294 295,294 295,294 - - Interest bearing deposits 1,138,907 1,139,126 899,690 239,436 - Repurchase agreements 14,581 14,579 12,842 1,737 - Borrowed funds - - - - - Accrued interest payable 22 22 - 22 - The following methods were used to estimate the fair value of financial instruments presented in the preceding table for the periods ended March 31, 2022, December 31, 2021: 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 1 - Basis of Presentation

Note 1 - Basis of Presentation (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Error Corrections and Prior Period Adjustments [Table Text Block]	For the three months ending March 31, 2021 As Reported Adjustment As Revised Compensation and benefits $ 5,530 $ 155 $ 5,685 Total noninterest expense 10,338 155 10,493 Income before income tax expense 5,443 (155 ) 5,288 Income tax expenses 764 (19 ) 745 Net income 4,679 (136 ) 4,543 Earnings per common share: Basic 1.35 (0.04 ) 1.31 Diluted 1.35 (0.04 ) 1.31 For the three months ending March 31, 2021 As Reported Adjustment As Revised Net income $ 4,679 $ (136 ) $ 4,543 Comprehensive income, net of tax (1,782 ) (136 ) (1,918 ) Balance at January 1, 2021 As Reported Adjustment As Revised Retained earnings $ 112,494 $ (1,233 ) $ 111,261 Total equity 152,922 (1,233 ) 151,689 For the three months ending March 31, 2021 Net income 4,679 (136 ) 4,543 Retained earnings 116,094 (1,369 ) 114,725 Total equity 150,139 (1,369 ) 148,770 For the three months ending March 31, 2021 As Reported Adjustment As Revised Net income $ 4,679 $ (136 ) $ 4,543 Net change in other assets 2,662 (19 ) 2,643 Net cash - operating activities 16,549 (155 ) 16,394 Net change in loan (4,486 ) 155 (4,331 ) Net cash - investing activities (27,732 ) 155 (27,577 )

Note 3 - Acquisition Activity (

Note 3 - Acquisition Activity (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]	ASSETS LIABILITIES Cash and due from banks $ 52,524 Deposits Investment securities, available for sale - Non-interest bearing $ 32,095 Certificate of deposit in other financial institutions 245 NOW accounts 63,639 Savings and money market 184,149 Total Loans 450,757 Certificates of deposits 195,153 Total Deposits 475,036 Premises and equipment, net 13,848 FHLB stock 1,303 Interest payable 75 Goodwill 11,664 Other liabilities 11,228 Core deposit intangible 3,220 Interest receivable 1,836 Other assets 7,569 Total assets purchased $ 542,966 Common shares issued 37,902 Cash paid 18,725 Total purchase price $ 56,627 Total liabilities assumed $ 486,339
Business Acquisition, Pro Forma Information [Table Text Block]	For the three months ended For the three months ended (in thousands) March 31, 2022 March 31, 2021 Selected Financial Data Interest income $ 17,589 $ 17,391 Interest expense (460 ) (1,191 ) Recovery of (provision for) loan losses - (278 ) Non-interest income 3,283 4,516 Non-interest expense (1) (14,397 ) (12,945 ) Income before provision for income taxes 6,015 7,493 Income tax expense (1,032 ) (1,173 ) Net income $ 4,983 $ 6,320 Earnings per common share: Basic $ 1.24 $ 1.82 Diluted $ 1.24 $ 1.82
Business Combination, Separately Recognized Transactions [Table Text Block]	Three months ended Noninterest expense: March 31, 2022 Compensation and benefits $ 132 Data processing 1,929 Marketing 135 Other 656 Period merger expense $ 2,852

Note 4 - Securities (Tables)

Note 4 - Securities (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Debt Securities, Available-for-Sale [Table Text Block]	(Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value March 31, 2022 U.S. government sponsored entities $ 8,883 $ - $ (681 ) $ 8,202 U.S. treasury securities 199 - - 199 Collateralized mortgage obligations and residential mortgage-backed securities 178,431 45 (14,353 ) 164,123 Municipal securities 317,000 1,727 (27,903 ) 290,824 Collateralized debt obligations 2,173 - (1,201 ) 972 Total securities available-for-sale $ 506,686 $ 1,772 $ (44,138 ) $ 464,320 (Dollars in thousands) Gross Gross Estimated Cost Unrealized Unrealized Fair Basis Gains Losses Value December 31, 2021 U.S. government sponsored entities $ 8,883 $ - $ (214 ) $ 8,669 U.S. treasury securities 400 - - 400 Collateralized mortgage obligations and residential mortgage-backed securities 187,279 961 (3,539 ) 184,701 Municipal securities 322,750 9,904 (527 ) 332,127 Collateralized debt obligations 2,173 - (1,181 ) 992 Total securities available-for-sale $ 521,485 $ 10,865 $ (5,461 ) $ 526,889
Investments Classified by Contractual Maturity Date [Table Text Block]	(Dollars in thousands) Available-for-sale Estimated Cost Fair March 31, 2022 Basis Value Due in one year or less $ 389 $ 390 Due from one to five years 1,759 1,763 Due from five to ten years 30,204 29,468 Due over ten years 295,903 268,576 Collateralized mortgage obligations and residential mortgage-backed securities 178,431 164,123 Total $ 506,686 $ 464,320
Available for Sale, Debt Securities, Maturity and Yields [Table Text Block]	Within 1 Year 1 - 5 Years 5 - 10 Years After 10 Years Total Amount Yield Amount Yield Amount Yield Amount Yield Amount U.S. government sponsored entities: $ - 0.00 % $ - 0.00 % $ 8,202 1.00 % $ - 0.00 % $ 8,202 AFS U.S. treasury securities: AFS 199 0.13 % - 0.00 % - 0.00 % - 0.00 % 199 Municipal Securities: AFS 191 4.84 % 1,763 4.13 % 21,266 3.56 % 267,604 2.87 % 290,824 Trust Preferred Securities: AFS - 0.00 % - 0.00 % - 0.00 % 972 1.57 % 972 Totals $ 390 2.43 % $ 1,763 4.13 % $ 29,468 2.85 % $ 268,576 2.87 % $ 300,197
Schedule of Realized Gain (Loss) [Table Text Block]	(Dollars in thousands) March 31, March 31, 2022 2021 Proceeds $ 16,236 $ 6,904 Gross gains 397 417 Gross losses (16 ) -
Schedule of Accumulated Other Comprehensive Income (Loss) [Table Text Block]	(Dollars in thousands) Unrealized Ending balance, December 31, 2021 $ 4,276 Current period change (37,738 ) Ending balance, March 31, 2022 $ (33,462 )
Unrealized Gain (Loss) on Investments [Table Text Block]	(Dollars in thousands) Less than 12 months 12 months or longer Total Percentage of Estimated Estimated Estimated Total Portfolio Fair Unrealized Fair Unrealized Fair Unrealized in Loss Value Losses Value Losses Value Losses Position March 31, 2022 U.S. government sponsored entities $ - $ - $ 8,202 $ (681 ) $ 8,202 $ (681 ) 100.0 % Collateralized mortgage obligations and residential mortgage-backed securities 99,994 (7,368 ) 60,792 (6,985 ) 160,786 (14,353 ) 98.0 % Municipal securities 232,220 (27,678 ) 2,594 (225 ) 234,814 (27,903 ) 80.7 % Collateralized debt obligations - - 972 (1,201 ) 972 (1,201 ) 100.0 % Total temporarily impaired $ 332,214 $ (35,046 ) $ 72,560 $ (9,092 ) $ 404,774 $ (44,138 ) 87.2 % Number of securities 384 33 417 (Dollars in thousands) Less than 12 months 12 months or longer Total Percentage of Estimated Estimated Estimated Total Portfolio Fair Unrealized Fair Unrealized Fair Unrealized in Loss Value Losses Value Losses Value Losses Position December 31, 2021 U.S. government sponsored entities $ 8,669 $ (214 ) $ - $ - $ 8,669 $ (214 ) 100.0 % Collateralized mortgage obligations and residential mortgage-backed securities 126,373 (3,175 ) 8,109 (364 ) 134,482 (3,539 ) 72.8 % Municipal securities 70,309 (527 ) - - 70,309 (527 ) 21.2 % Collateralized debt obligations - - 992 (1,181 ) 992 (1,181 ) 100.0 % Total temporarily impaired $ 205,351 $ (3,916 ) $ 9,101 $ (1,545 ) $ 214,452 $ (5,461 ) 40.7 % Number of securities 133 5 138

Note 5 - Loans Receivable (Tabl

Note 5 - Loans Receivable (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]	(Dollars in thousands) March 31, 2022 December 31, 2021 Loans secured by real estate: Residential real estate $ 444,753 $ 260,134 Home equity 34,284 34,612 Commercial real estate 408,375 317,145 Construction and land development 150,810 123,822 Multifamily 234,267 61,194 Total loans secured by real estate 1,272,489 796,907 Commercial business 112,396 115,772 Consumer 924 582 Manufactured homes 38,636 37,887 Government 8,176 8,991 Loans receivable 1,432,621 960,139 Add (less): Net deferred loan origination costs 6,700 6,810 Undisbursed loan funds 407 (229 ) Loans receivable, net of deferred fees and costs $ 1,439,728 $ 966,720
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Beginning Balance 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, 2022: Allowance for loan losses: Residential real estate $ 2,480 $ - $ 21 $ (8 ) $ 2,493 Home equity 357 - - (3 ) 354 Commercial real estate 5,515 - - 15 5,530 Construction and land development 2,119 - - 16 2,135 Multifamily 848 - - 41 889 Commercial business 2,009 - 31 (99 ) 1,941 Consumer 15 (10 ) 2 38 45 Manufactured homes - - - - - Government - - - - - Total $ 13,343 $ (10 ) $ 54 $ - $ 13,387 Allowance for loan losses: Residential real estate $ 2,211 $ (4 ) $ 10 $ (41 ) $ 2,176 Home equity 276 (1 ) - 34 309 Commercial real estate 5,406 - - 320 5,726 Construction and land development 1,405 - - 182 1,587 Multifamily 626 - - 54 680 Commercial business 2,508 - 8 36 2,552 Consumer 26 (6 ) 4 (7 ) 17 Manufactured homes - - - - - Government - - - - - Total $ 12,458 $ (11 ) $ 22 $ 578 $ 13,047
Financing Receivable, Impairment Evaluation [Table Text Block]	Ending Balances (Dollars in thousands) Individually evaluated for impairment reserves Collectively evaluated for impairment reserves Loan receivables Individually evaluated for impairment Purchased credit impaired 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, 2022: Residential real estate $ 17 $ 2,476 $ 444,753 $ 753 $ 2,908 $ 441,092 Home equity 4 350 34,284 135 134 34,015 Commercial real estate 440 5,090 408,375 1,496 2,965 403,914 Construction and land development - 2,135 150,810 - 804 150,006 Multifamily - 889 234,267 - 3,302 230,965 Commercial business 259 1,682 112,396 501 1,061 110,834 Consumer - 45 924 - 21 903 Manufactured homes - - 38,636 - - 38,636 Government - - 8,176 - - 8,176 Total $ 720 $ 12,667 $ 1,432,621 $ 2,885 $ 11,195 $ 1,418,541 Residential real estate $ 17 $ 2,463 $ 260,134 $ 755 $ 1,016 $ 258,363 Home equity 4 353 34,612 147 137 34,328 Commercial real estate 386 5,129 317,145 1,600 - 315,545 Construction and land development - 2,119 123,822 - - 123,822 Multifamily - 848 61,194 - 556 60,638 Commercial business 277 1,732 115,772 524 1,073 114,175 Consumer - 15 582 - - 582 Manufactured homes - - 37,887 - - 37,887 Government - - 8,991 - - 8,991 Total $ 684 $ 12,659 $ 960,139 $ 3,026 $ 2,782 $ 954,331
Financing Receivable Credit Quality Indicators [Table Text Block]	Credit Exposure - Credit Risk Portfolio By Creditworthiness Category March 31, 2022 (Dollars in thousands) 1 6 7 8 Loan Segment Pass Special mention Substandard Total Residential real estate $ 435,814 $ 2,308 $ 6,631 $ 444,753 Home equity 33,234 415 635 34,284 Commercial real estate 390,533 11,391 6,451 408,375 Construction and land development 146,407 4,403 - 150,810 Multifamily 229,705 1,532 3,030 234,267 Commercial business 108,605 3,395 396 112,396 Consumer 924 - - 924 Manufactured homes 38,577 59 - 38,636 Government 8,176 - - 8,176 Total $ 1,391,975 $ 23,503 $ 17,143 $ 1,432,621 December 31, 2021 (Dollars in thousands) 1 6 7 8 Loan Segment Pass Special mention Substandard Total Residential real estate $ 253,472 $ 2,940 $ 3,722 $ 260,134 Home equity 33,565 415 632 34,612 Commercial real estate 301,572 12,011 3,562 317,145 Construction and land development 120,192 3,630 - 123,822 Multifamily 60,657 153 384 61,194 Commercial business 113,470 1,915 387 115,772 Consumer 582 - - 582 Manufactured homes 37,828 59 - 37,887 Government 8,991 - - 8,991 Total $ 930,329 $ 21,123 $ 8,687 $ 960,139
Impaired Financing Receivables [Table Text Block]	(Dollars in thousands) For the three months ended (unaudited) As of March 31, 2022 March 31, 2022 Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 3,575 $ 5,070 $ - $ 2,629 $ 30 Home equity 248 263 - 255 7 Commercial real estate 3,610 3,722 - 2,188 10 Construction and land development 804 920 - 460 - Multifamily 3,302 4,241 - 2,036 - Commercial business 1,247 1,363 - 1,226 15 Consumer 21 21 - 11 - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 86 $ 86 $ 17 $ 87 $ 3 Home equity 21 21 4 22 1 Commercial real estate 851 852 440 843 - Construction and land development - - - - - Multifamily - - - - - Commercial business 315 377 259 354 16 Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 3,661 $ 5,156 $ 17 $ 2,716 $ 33 Home equity $ 269 $ 284 $ 4 $ 277 $ 8 Commercial real estate $ 4,461 $ 4,574 $ 440 $ 3,031 $ 10 Construction & land development $ 804 $ 920 $ - $ 460 $ - Multifamily $ 3,302 $ 4,241 $ - $ 2,036 $ - Commercial business $ 1,562 $ 1,740 $ 259 $ 1,580 $ 31 Consumer $ 21 $ 21 $ - $ 11 $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ - For the three months ended As of December 31, 2021 March 31, 2021 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Average Recorded Investment Interest Income Recognized With no related allowance recorded: Residential real estate $ 1,683 $ 3,017 $ - $ 1,817 $ 22 Home equity 262 275 - 341 4 Commercial real estate 765 765 - 1,174 12 Construction & land development - - - - - Multifamily 556 647 - 708 5 Commercial business 1,205 1,324 - 1,467 18 Consumer - - - - - Manufactured homes - - - - - Government - - - - - With an allowance recorded: Residential real estate $ 88 $ 88 $ 17 $ 217 $ 5 Home equity 22 22 4 12 - Commercial real estate 835 835 386 5,549 50 Construction & land development - - - - - Multifamily - - - - - Commercial business 392 392 277 737 11 Consumer - - - - - Manufactured homes - - - - - Government - - - - - Total: Residential real estate $ 1,771 $ 3,105 $ 17 $ 2,034 $ 27 Home equity $ 284 $ 297 $ 4 $ 353 $ 4 Commercial real estate $ 1,600 $ 1,600 $ 386 $ 6,723 $ 62 Construction & land development $ - $ - $ - $ - $ - Multifamily $ 556 $ 647 $ - $ 708 $ 5 Commercial business $ 1,597 $ 1,716 $ 277 $ 2,204 $ 29 Consumer $ - $ - $ - $ - $ - Manufactured homes $ - $ - $ - $ - $ - Government $ - $ - $ - $ - $ -
Financing Receivable, Past Due [Table Text Block]	(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, 2022 Residential real estate $ 3,056 $ 1,388 $ 3,528 $ 7,972 $ 436,781 $ 444,753 $ 117 Home equity 37 18 534 589 33,695 34,284 - Commercial real estate 1,665 805 1,015 3,485 404,890 408,375 163 Construction and land development 2,513 - - 2,513 148,297 150,810 - Multifamily 55 18 111 184 234,083 234,267 - Commercial business 970 - 583 1,553 110,843 112,396 214 Consumer - - - - 924 924 - Manufactured homes 316 204 - 520 38,116 38,636 - Government - - - - 8,176 8,176 - Total $ 8,612 $ 2,433 $ 5,771 $ 16,816 $ 1,415,805 $ 1,432,621 $ 494 December 31, 2021 Residential real estate $ 2,507 $ 824 $ 2,142 $ 5,473 $ 254,661 $ 260,134 $ 31 Home equity 169 67 565 801 33,811 34,612 34 Commercial real estate 231 1,960 944 3,135 314,010 317,145 91 Construction and land development 5,148 283 - 5,431 118,391 123,822 - Multifamily - - 109 109 61,085 61,194 - Commercial business 573 1,594 242 2,409 113,363 115,772 49 Consumer - 3 - 3 579 582 - Manufactured homes 633 171 - 804 37,083 37,887 - Government - - - - 8,991 8,991 - Total $ 9,261 $ 4,902 $ 4,002 $ 18,165 $ 941,974 $ 960,139 $ 205
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) March 31, 2022 December 31, 2021 Residential real estate $ 5,710 $ 4,651 Home equity 620 623 Commercial real estate 1,263 940 Construction and land development - - Multifamily 447 455 Commercial business 374 387 Consumer - - Manufactured homes - - Government - - Total $ 8,414 $ 7,056
Schedule of Accretable Yield from Financing Receivables [Table Text Block]	(dollars in thousands) Total 2021 $ 305 2022 107 (dollars in thousands) Total Remainder 2022 $ 719 2023 804 2024 623 2025 605 2026 and thereafter 3,671 Total $ 6,422

Note 6 - Intangibles and Acqu_2

Note 6 - Intangibles and Acquisition Related Accounting (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Finite-Lived Intangible Assets Amortization Expense [Table Text Block]	(dollars in thousands) Total 2021 $ 248 2022 $ 347
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	(dollars in thousands) Total Current year 1,205 2023 1,522 2024 1,411 2025 688 5 years and thereafter 1,172 Total $ 5,998

Note 8 - Earnings Per Share (Ta

Note 8 - Earnings Per Share (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	(dollars in thousands except per share data) Period ended March 31, 2022 2021 Basic earnings per common share: Net income as reported $ 2,135 $ 4,543 Weighted average common shares outstanding 4,020,815 3,471,604 Basic earnings per common share $ 0.53 $ 1.31 Diluted earnings per common share: Net income as reported $ 2,135 $ 4,543 Weighted average common shares outstanding 4,020,815 3,471,604 Weighted average common and dilutive potential common shares outstanding 4,020,815 3,471,604 Diluted earnings per common share $ 0.53 $ 1.31

Note 9 - Stock Based Compensa_2

Note 9 - Stock Based Compensation (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Nonvested Restricted Stock Shares Activity [Table Text Block]	Non-vested Shares Shares Weighted Average Grant Date Fair Value Non-vested at January 1, 2022 44,235 $ 42.33 Granted 18,891 47.96 Vested (10,863 ) 41.56 Forfeited (513 ) 44.17 Non-vested at March 31, 2022 51,750 $ 44.53

Note 12 - Derivative Financia_2

Note 12 - Derivative Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Derivatives Not Designated as Hedging Instruments [Table Text Block]	March 31, 2022 Asset derivatives Liability derivatives (Dollars in thousands) Notational or contractual amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 93,890 Other assets $ 4,990 Other liabilties $ 4,990 Interest rate lock commitments 8,738 Other assets 166 N/A - Total $ 102,628 $ 5,156 $ 4,990 December 31, 2021 Asset derivatives Liability derivatives (Dollars in thousands) Notational or contractual amount Statement of Financial Condition classification Fair value Statement of Financial Condition classification Fair value Interest rate swap contracts $ 94,154 Other assets $ 2,686 Other liabilties $ 2,686 Interest rate lock commitments 7,837 Other assets 141 N/A - Total $ 101,991 $ 2,827 $ 2,686 Three Months Ended March 31, (Dollars in thousands) Statement of Income Classification 2022 2021 Interest rate swap contracts Fees and service charges $ - $ (13 ) Interest rate lock commitments Gain on sale of loans held-for-sale, net 25 23 Total $ 25 $ 10
Offsetting Assets [Table Text Block]	Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Assets Presented in the Statement Gross Amounts not Offset in the Statement of Financial Condition (Dollars in thousands) Recognized Assets Financial Condition of Financial Condition Financial Instruments Cash Collateral Received Net Amount March 31, 2022 Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - $ - $ 4,990 Interest rate lock commitments 166 - 166 - - 166 Total $ 5,156 $ - $ 5,156 $ - $ - $ 5,156 Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Liabilities Presented in the Statement (Dollars in thousands) Recognized Liabilities Financial Condition of Financial Condition Financial Instruments Cash Collateral Received Net Amount December 31, 2021 Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - $ - $ 2,686 Interest rate lock commitments 141 - 141 - - 141 Total $ 2,827 $ - $ 2,827 $ - $ - $ 2,827
Offsetting Liabilities [Table Text Block]	Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Liabilities Presented in the Statement of Gross Amounts not Offset in the Statement of Financial Condition (Dollars in thousands) Recognized Liabilities Financial Condition Financial Condition Financial Instruments Cash Collateral Pledged Net Amount March 31, 2022 Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - $ 3,930 $ 1,060 Total $ 4,990 $ - $ 4,990 $ - $ 3,930 $ 1,060 Gross Amounts of Gross Amounts Offset in the Statement of Net Amounts of Liabilities Presented in the Statement of Gross Amounts not Offset in the Statement of Financial Condition (Dollars in thousands) Recognized Liabilities Financial Condition Financial Condition Financial Instruments Cash Collateral Pledged Net Amount December 31, 2021 Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - $ 3,930 $ (1,244 ) Total $ 2,686 $ - $ 2,686 $ - $ 3,930 $ (1,244 )

Note 13 - Fair Value (Tables)

Note 13 - Fair Value (Tables)	3 Months Ended
	Mar. 31, 2022
Notes Tables
Other than Temporary Impairment, Credit Losses Recognized in Earnings [Table Text Block]	(Dollars in thousands) Collateralized debt obligations other-than-temporary impairment Ending balance, December 31, 2021 $ 173 Additions not previously recognized - Ending balance,March 31, 2022 $ 173
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	(Dollars in thousands) Fair Value Measurements at March 31, 2022 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets: Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - Interest rate lock commitments 166 - 166 - Available-for-sale debt securities: U.S. government sponsored entities 8,202 - 8,202 - U.S. treasury securities 199 - 199 - Collateralized mortgage obligations and residential mortgage-backed securities 164,123 - 164,123 - Municipal securities 290,824 - 290,824 - Collateralized debt obligations 972 - - 972 Total securities available-for-sale $ 464,320 $ - $ 463,348 $ 972 Liabilities: Interest rate swap contracts $ 4,990 $ - $ 4,990 $ - (Dollars in thousands) Fair Value Measurements at December 31, 2021 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Assets: Interest rate swap contracts $ 2,686 $ - $ 2,686 $ - Interest rate lock commitments 141 - 141 - Available-for-sale debt securities: U.S. government sponsored entities 8,669 - 8,669 - U.S. treasury securities 400 - 400 - Collateralized mortgage obligations and residential mortgage-backed securities 184,701 - 184,701 - Municipal securities 332,127 - 332,127 - Collateralized debt obligations 992 - - 992 Total securities available-for-sale $ 526,889 $ - $ 525,897 $ 992 Liabilities: Interest rate swap contracts $ 2,686 $ - $ 2,686 $ -
Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]	(Dollars in thousands) Estimated Fair Value Measurements Using Significant Unobservable Inputs (Level 3) Available-for- Beginning balance, January 1, 2021 $ 929 Principal payments (5 ) Total unrealized losses, included in other comprehensive income 20 Ending balance, March 31, 2021 $ 944 Beginning balance, January 1, 2022 $ 992 Principal payments - Total unrealized gains, included in other comprehensive income (20 ) Ending balance, March 31, 2022 $ 972
Fair Value Measurements, Nonrecurring [Table Text Block]	(Dollars in thousands) Fair Value Measurements at March 31, 2022 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 151 $ - $ - $ 151 (Dollars in thousands) Fair Value Measurements at December 31, 2021 Using (Dollars in thousands) Estimated Quoted Prices in Active Markets for Identical Assets Significant Other Observable Inputs Significant Unobservable Inputs Impaired loans $ 896 $ - $ - $ 896
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2022 Estimated Fair Value Measurements at March 31, 2022 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Identical Assets Significant Significant Financial assets: Cash and cash equivalents $ 54,501 $ 54,501 $ 54,501 $ - $ - Certificates of deposit in other financial institutions 1,731 1,650 - 1,650 - Loans held-for-sale 1,420 1,445 - 1,445 - Loans receivable, net 1,426,341 1,382,030 - - 1,382,030 Federal Home Loan Bank stock 3,038 3,038 - 3,038 - Accrued interest receivable 7,427 7,427 - 7,427 - Financial liabilities: Non-interest bearing deposits 380,515 380,515 380,515 - - Interest bearing deposits 1,514,696 1,513,699 1,084,309 429,390 - Repurchase agreements 23,239 23,150 12,939 10,211 - Borrowed funds 5 5 5 - - Accrued interest payable 42 42 - 42 - December 31, 2021 Estimated Fair Value Measurements at December 31, 2021 Using (Dollars in thousands) Carrying Estimated Quoted Prices in Identical Assets Significant Significant Financial assets: Cash and cash equivalents $ 33,176 $ 33,176 $ 33,176 $ - $ - Certificates of deposit in other financial institutions 1,709 1,737 - 1,737 - Loans held-for-sale 4,987 5,065 - 5,065 - Loans receivable, net 953,377 951,744 - - 951,744 Federal Home Loan Bank stock 3,247 3,247 - 3,247 - Accrued interest receivable 5,444 5,444 - 5,444 - Financial liabilities: Non-interest bearing deposits 295,294 295,294 295,294 - - Interest bearing deposits 1,138,907 1,139,126 899,690 239,436 - Repurchase agreements 14,581 14,579 12,842 1,737 - Borrowed funds - - - - - Accrued interest payable 22 22 - 22 -

Note 1 - Basis of Presentatio_2

Note 1 - Basis of Presentation - Revision of Previously Issued Financial Statements (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021	Jan. 01, 2021	Dec. 31, 2020
Compensation and benefits	$ 7,367	$ 5,685
Total noninterest expense	16,269	10,493
Income before income tax expense	2,410	5,288
Income tax expenses	275	745
Net income	$ 2,135	$ 4,543
Basic (in dollars per share)	$ 0.53	$ 1.31
Diluted (in dollars per share)	$ 0.53	$ 1.31
Comprehensive income, net of tax	$ (35,603)	$ (1,918)
Balance	157,637	148,770	$ 156,615	$ 151,689	$ 151,689
Net change in other assets	1,504	2,643
Net cash - operating activities	722	16,394
Net change in loan	20,094	4,331
Net cash - investing activities	27,159	(27,577)
Retained Earnings [Member]
Net income	2,135	4,543
Balance	$ 122,713	114,725	$ 121,909	111,261	$ 111,261
Previously Reported [Member]
Compensation and benefits		5,530
Total noninterest expense		10,338
Income before income tax expense		5,443
Income tax expenses		764
Net income		$ 4,679
Basic (in dollars per share)		$ 1.35
Diluted (in dollars per share)		$ 1.35
Comprehensive income, net of tax		$ (1,782)
Balance		150,139		152,922
Net change in other assets		2,662
Net cash - operating activities		16,549
Net change in loan		4,486
Net cash - investing activities		(27,732)
Previously Reported [Member] | Retained Earnings [Member]
Balance		116,094		112,494
Revision of Prior Period, Error Correction, Adjustment [Member]
Compensation and benefits		155
Total noninterest expense		155
Income before income tax expense		(155)
Income tax expenses		(19)
Net income		$ (136)
Basic (in dollars per share)		$ (0.04)
Diluted (in dollars per share)		$ (0.04)
Comprehensive income, net of tax		$ (136)
Balance		(1,369)		(1,233)
Net change in other assets		(19)
Net cash - operating activities		(155)
Net change in loan		(155)
Net cash - investing activities		155
Revision of Prior Period, Error Correction, Adjustment [Member] | Retained Earnings [Member]
Balance		$ (1,369)		$ (1,233)

Note 3 - Acquisition Activity_2

Note 3 - Acquisition Activity (Details Textual) - USD ($) $ / shares in Units, $ in Thousands	Jan. 31, 2022	Jan. 31, 2021	Mar. 31, 2022	Mar. 31, 2021	Jan. 28, 2022	Dec. 31, 2021
Payments to Acquire Businesses, Net of Cash Acquired, Total			$ (33,799)	$ 0
Share Price (in dollars per share)					$ 47.75
Goodwill, Ending Balance			22,774			$ 11,109
Loans and Leases Receivable, Net of Deferred Income			1,439,728			$ 966,720
Royal Financial, Inc. [Member]
Business Combination, Shares Issued Per Share (in dollars per share)	$ 0.4609
Business Acquisition, Right to Receive, Share Price (in dollars per share)	$ 20.14
Business Acquisition, Percentage of Share Outstanding Can Be Converted to Right to Receive Shares	65.00%
Business Acquisition, Percentage of Share Outstanding Can Be Converted to Right to Receive Cash	35.00%
Business Combination, Maximum Number of Shares to Receive Cash (in shares)	101
Business Acquisition, Maximum Right to Receive, Share Price (in dollars per share)	$ 20.14
Business Acquisition, Equity Interest Issued or Issuable, Number of Shares (in shares)	795,423
Payments to Acquire Businesses, Net of Cash Acquired, Total	$ 18,700
Business Combination, Consideration Transferred, Total	56,700	$ 56,627
Goodwill, Ending Balance	11,700	$ 11,664	11,700
Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Gross Loans	$ 456,700
Loans and Leases Receivable, Net of Deferred Income			443,800
Business Combination, Pro Forma Information, Earnings or Loss of Acquiree since Acquisition Date, Actual			3,200
Business Combination, Acquisition Related Costs			2,852
Royal Financial, Inc. [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans and Leases Receivable, Net of Deferred Income			$ 6,100

Note 3 - Acquisition Activity -

Note 3 - Acquisition Activity - Purchase Price (Details) - USD ($) $ in Thousands	Jan. 31, 2022	Jan. 31, 2021	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Goodwill			$ 22,774		$ 11,109
Cash paid			18,725	$ 0
Royal Financial, Inc. [Member]
Cash and due from banks		$ 52,524
Investment securities, available for sale		0
Non-interest bearing		32,095
Certificate of deposit in other financial institutions		245
NOW accounts		63,639
Savings and money market		184,149
Total Loans		450,757
Certificates of deposits		195,153
Total Deposits		475,036
Premises and equipment, net		13,848
FHLB stock		1,303
Interest payable		75
Goodwill	$ 11,700	11,664	$ 11,700
Other liabilities		11,228
Core deposit intangible		3,220
Interest receivable		1,836
Other assets		7,569
Total assets purchased		542,966
Common shares issued		37,902
Cash paid		18,725
Total purchase price	$ 56,700	56,627
Total liabilities assumed		$ 486,339

Note 3 - Acquisition Activity_3

Note 3 - Acquisition Activity - Pro Forma Information (Details) - Royal Financial, Inc. [Member] - USD ($) $ / shares in Units, $ in Thousands		3 Months Ended
		Mar. 31, 2022	Mar. 31, 2021
Interest income		$ 17,589	$ 17,391
Interest expense		(460)	(1,191)
Recovery of (provision for) loan losses		0	(278)
Non-interest income		3,283	4,516
Non-interest expense (1)	[1]	(14,397)	(12,945)
Income before provision for income taxes		6,015	7,493
Income tax expense		(1,032)	(1,173)
Net income		$ 4,983	$ 6,320
Basic (in dollars per share)		$ 1.24	$ 1.82
Diluted (in dollars per share)		$ 1.24	$ 1.82
[1]	Excludes $2.9 million in pre-tax merger expenses for the three months ended March 31, 2022.

Note 3 - Acquisition Activity_4

Note 3 - Acquisition Activity - Merger Expenses (Details) - Royal Financial, Inc. [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Period merger expense	$ 2,852
Compensation and Benefits [Member]
Period merger expense	132
Data Processing [Member]
Period merger expense	1,929
Marketing [Member]
Period merger expense	135
Other [Member]
Period merger expense	$ 656

Note 4 - Securities (Details Te

Note 4 - Securities (Details Textual) - USD ($) $ in Millions	Mar. 31, 2022	Dec. 31, 2021
Asset Pledged as Collateral [Member]
Financial Instruments, Owned, at Fair Value, Total	$ 34.8	$ 39.5

Note 4 - Securities - Available

Note 4 - Securities - Available for Sale Securities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Debt Securities, Available-for-sale, Amortized Cost, Total	$ 506,686	$ 521,485
Available for sale securities, gross unrealized gains	1,772	10,865
Available for sale securities, gross unrealized losses	(44,138)	(5,461)
Total securities available-for-sale	464,320	526,889
US Government-sponsored Enterprises Debt Securities [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	8,883	8,883
Available for sale securities, gross unrealized gains	0	0
Available for sale securities, gross unrealized losses	(681)	(214)
Total securities available-for-sale	8,202	8,669
US Treasury Securities [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	199	400
Available for sale securities, gross unrealized gains	0	0
Available for sale securities, gross unrealized losses	0	0
Total securities available-for-sale	199	400
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	178,431	187,279
Available for sale securities, gross unrealized gains	45	961
Available for sale securities, gross unrealized losses	(14,353)	(3,539)
Total securities available-for-sale	164,123	184,701
US States and Political Subdivisions Debt Securities [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	317,000	322,750
Available for sale securities, gross unrealized gains	1,727	9,904
Available for sale securities, gross unrealized losses	(27,903)	(527)
Total securities available-for-sale	290,824	332,127
Collateralized Debt Obligations [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total	2,173	2,173
Available for sale securities, gross unrealized gains	0	0
Available for sale securities, gross unrealized losses	(1,201)	(1,181)
Total securities available-for-sale	$ 972	$ 992

Note 4 - Securities - Estimated

Note 4 - Securities - Estimated Fair Value of Available for Sale Securities, by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Due in one year or less, cost basis	$ 389
Available for sale securities, due in one year or less, estimated fair value	390
Due from one to five years, cost basis	1,759
Available for sale securities, due from one to five years, estimated fair value	1,763
Due from five to ten years, cost basis	30,204
Available for sale securities, due from five to ten years, estimated fair value	29,468
Due over ten years, cost basis	295,903
Available for sale securities, due over ten years, estimated fair value	268,576
Collateralized mortgage obligations and residential mortgage-backed securities, cost basis	178,431
Collateralized mortgage obligations and residential mortgage-backed securities, estimated fair value	164,123
Debt Securities, Available-for-sale, Amortized Cost, Total	506,686	$ 521,485
Total securities available-for-sale	$ 464,320	$ 526,889

Note 4 - Securities - Yields an

Note 4 - Securities - Yields and Maturity of Available for Sale Securities (Details) $ in Thousands	Mar. 31, 2022USD ($)
Available for sale securities, due in one year or less, estimated fair value	$ 390
Available for sale securities, due in one year or less, yield	2.43%
Available for sale securities, due from one to five years, estimated fair value	$ 1,763
Available for sale securities, due from one to five years, yield	4.13%
Available for sale securities, due from five to ten years, estimated fair value	$ 29,468
Available for sale securities, due from five to ten years, yield	2.85%
Available for sale securities, due over ten years, estimated fair value	$ 268,576
Available for sale securities, due over ten years, yield	2.87%
Available for sale securities with single maturity date, fair value	$ 300,197
US Government-sponsored Enterprises Debt Securities [Member]
Available for sale securities, due in one year or less, estimated fair value	$ 0
Available for sale securities, due in one year or less, yield	0.00%
Available for sale securities, due from one to five years, estimated fair value	$ 0
Available for sale securities, due from one to five years, yield	0.00%
Available for sale securities, due from five to ten years, estimated fair value	$ 8,202
Available for sale securities, due from five to ten years, yield	1.00%
Available for sale securities, due over ten years, estimated fair value	$ 0
Available for sale securities, due over ten years, yield	0.00%
Available for sale securities with single maturity date, fair value	$ 8,202
US Treasury Securities [Member]
Available for sale securities, due in one year or less, estimated fair value	$ 199
Available for sale securities, due in one year or less, yield	0.13%
Available for sale securities, due from one to five years, estimated fair value	$ 0
Available for sale securities, due from one to five years, yield	0.00%
Available for sale securities, due from five to ten years, estimated fair value	$ 0
Available for sale securities, due from five to ten years, yield	0.00%
Available for sale securities, due over ten years, estimated fair value	$ 0
Available for sale securities, due over ten years, yield	0.00%
Available for sale securities with single maturity date, fair value	$ 199
US States and Political Subdivisions Debt Securities [Member]
Available for sale securities, due in one year or less, estimated fair value	$ 191
Available for sale securities, due in one year or less, yield	4.84%
Available for sale securities, due from one to five years, estimated fair value	$ 1,763
Available for sale securities, due from one to five years, yield	4.13%
Available for sale securities, due from five to ten years, estimated fair value	$ 21,266
Available for sale securities, due from five to ten years, yield	3.56%
Available for sale securities, due over ten years, estimated fair value	$ 267,604
Available for sale securities, due over ten years, yield	2.87%
Available for sale securities with single maturity date, fair value	$ 290,824
Trust Preferred Securities Debt [Member]
Available for sale securities, due in one year or less, estimated fair value	$ 0
Available for sale securities, due in one year or less, yield	0.00%
Available for sale securities, due from one to five years, estimated fair value	$ 0
Available for sale securities, due from one to five years, yield	0.00%
Available for sale securities, due from five to ten years, estimated fair value	$ 0
Available for sale securities, due from five to ten years, yield	0.00%
Available for sale securities, due over ten years, estimated fair value	$ 972
Available for sale securities, due over ten years, yield	1.57%
Available for sale securities with single maturity date, fair value	$ 972

Note 4 - Securities - Sales of

Note 4 - Securities - Sales of Available for Sale Securities (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Proceeds	$ 16,236	$ 6,904
Gross gains	397	417
Gross losses	$ (16)	$ 0

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, 2022	Mar. 31, 2021
Ending balance	$ 4,276
Current period change	(37,738)	$ (6,461)
Ending balance	$ (33,462)

Note 4 - Securities - Securitie

Note 4 - Securities - Securities with Gross Unrealized Losses Not Recognized in Income (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Estimated fair value, less than 12 months	$ 332,214	$ 205,351
Unrealized losses, less than 12 months	(35,046)	(3,916)
Estimated fair value, 12 months or longer	72,560	9,101
Unrealized losses, 12 months or longer	(9,092)	(1,545)
Estimated fair value, total	404,774	214,452
Unrealized losses, total	$ (44,138)	$ (5,461)
percentage	87.20%	40.70%
Number of securities, unrealized losses, less than 12 months	384	133
Number of securities, unrealized losses, 12 months or longer	33	5
Number of securitiesunrealized losses, total	417	138
US Government-sponsored Enterprises Debt Securities [Member]
Estimated fair value, less than 12 months	$ 0	$ 8,669
Unrealized losses, less than 12 months	0	(214)
Estimated fair value, 12 months or longer	8,202	0
Unrealized losses, 12 months or longer	(681)	0
Estimated fair value, total	8,202	8,669
Unrealized losses, total	$ (681)	$ (214)
percentage	100.00%	100.00%
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Estimated fair value, less than 12 months	$ 99,994	$ 126,373
Unrealized losses, less than 12 months	(7,368)	(3,175)
Estimated fair value, 12 months or longer	60,792	8,109
Unrealized losses, 12 months or longer	(6,985)	(364)
Estimated fair value, total	160,786	134,482
Unrealized losses, total	$ (14,353)	$ (3,539)
percentage	98.00%	72.80%
US States and Political Subdivisions Debt Securities [Member]
Estimated fair value, less than 12 months	$ 232,220	$ 70,309
Unrealized losses, less than 12 months	(27,678)	(527)
Estimated fair value, 12 months or longer	2,594	0
Unrealized losses, 12 months or longer	(225)	0
Estimated fair value, total	234,814	70,309
Unrealized losses, total	$ (27,903)	$ (527)
percentage	80.70%	21.20%
Collateralized Debt Obligations [Member]
Estimated fair value, less than 12 months	$ 0	$ 0
Unrealized losses, less than 12 months	0	0
Estimated fair value, 12 months or longer	972	992
Unrealized losses, 12 months or longer	(1,201)	(1,181)
Estimated fair value, total	972	992
Unrealized losses, total	$ (1,201)	$ (1,181)
percentage	100.00%	100.00%

Note 5 - Loans Receivable (Deta

Note 5 - Loans Receivable (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)	Mar. 31, 2021USD ($)	Dec. 31, 2021USD ($)
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	$ 6,700		$ 6,810
Financial Asset Acquired with Credit Deterioration [Member]
Impaired Financing Receivable, Unpaid Principal Balance	13,200		4,200
Impaired Financing Receivable, Recorded Investment	11,200		2,800
Financial Asset Acquired [Member]
Financing Receivable, Unamortized Purchase Premium (Discount)	(6,400)		(1,100)
Residential Portfolio Segment [Member]
Financing Receivable, Troubled Debt Restructuring	39
Impaired Financing Receivable, Unpaid Principal Balance	5,156		3,105
Impaired Financing Receivable, Recorded Investment	$ 3,661		1,771
Residential Portfolio Segment [Member] | Principal Forgiveness [Member]
Financing Receivable, Modifications, Number of Contracts	4	2
Financing Receivable, Troubled Debt Restructuring	$ 194	$ 150
Residential Portfolio Segment [Member] | Residential Mortgage [Member]
Loans Receivable, Maximum Percentage of Purchase Price or Appraised Value	97.00%
Loans Receivable, Percentage of Value in Excess Requiring Private Mortgage Insurance	80.00%
Loans Receivable, Percentage of Equity, Excess Does Not Require Private Mortgage Insurance	20.00%
Residential Portfolio Segment [Member] | Fixed Rate Residential Mortgage [Member]
Loans Receivable, Minimum Contractual Maturity to be Classified as Held for Sale (Year)	15 years
Residential Portfolio Segment [Member] | Real Estate Loan [Member]
Financing Receivable, Modifications, Number of Contracts	1
Financing Receivable, Troubled Debt Restructuring	$ 7
Home Equity Portfolio Segment [Member]
Loans Receivable, Maximum Percentage of Purchase Price or Appraised Value	89.00%
Loans Receivable, Maximum Percentage of Appraised Value of Improved Property	85.00%
Impaired Financing Receivable, Unpaid Principal Balance	$ 284		297
Impaired Financing Receivable, Recorded Investment	$ 269		284
Home Equity Portfolio Segment [Member] | Maximum [Member]
Loans Receivable, Contractual Maturity (Month)	240 months
Commercial Real Estate Portfolio Segment [Member]
Loans Receivable, Maximum Percentage of Purchase Price or Appraised Value	80.00%
Financing Receivable, Modifications, Number of Contracts		1
Impaired Financing Receivable, Unpaid Principal Balance	$ 4,574		1,600
Impaired Financing Receivable, Recorded Investment	$ 4,461		1,600
Commercial Real Estate Portfolio Segment [Member] | Maximum [Member]
Loans Receivable, Contractual Maturity (Month)	20 years
Loans Receivable, Balloon Feature, Period for Full Repayment (Year)	10 years
Commercial Real Estate Portfolio Segment [Member] | Minimum [Member]
Loans Receivable, Contractual Maturity (Month)	15 years
Loans Receivable, Balloon Feature, Period for Full Repayment (Year)	7 years
Construction and Land Development Portfolio Segment [Member]
Impaired Financing Receivable, Unpaid Principal Balance	$ 920
Impaired Financing Receivable, Recorded Investment	$ 804
Construction and Land Development Portfolio Segment [Member] | Residential Mortgage [Member]
Loans Receivable, Maximum Percentage of Purchase Price or Appraised Value	89.00%
Construction and Land Development Portfolio Segment [Member] | Residential Mortgage [Member] | Maximum [Member]
Loans Receivable, Contractual Maturity (Month)	1 year
Construction and Land Development Portfolio Segment [Member] | Residential Mortgage [Member] | Minimum [Member]
Loans Receivable, Contractual Maturity (Month)	6 months
Construction and Land Development Portfolio Segment [Member] | Commercial Real Estate [Member]
Loans Receivable, Maximum Percentage of Purchase Price or Appraised Value	80.00%
Construction and Land Development Portfolio Segment [Member] | Commercial Real Estate [Member] | Maximum [Member]
Loans Receivable, Contractual Maturity (Month)	2 years
Manufactured Homes Portfolio Segment [Member]
Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums	$ 5,500		$ 5,800
Manufactured Homes Portfolio Segment [Member] | Maximum [Member]
Loans Receivable, Contractual Maturity (Month)	25 years

Note 5 - Loans Receivable - Loa

Note 5 - Loans Receivable - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Total loans secured by real estate	$ 1,272,489	$ 796,907
Total loans	1,432,621	960,139
Net deferred loan origination costs	6,700	6,810
Undisbursed loan funds	407	(229)
Loans receivable, net of deferred fees and costs	1,439,728	966,720
Residential Portfolio Segment [Member]
Total loans secured by real estate	444,753	260,134
Total loans	444,753	260,134
Home Equity Portfolio Segment [Member]
Total loans secured by real estate	34,284	34,612
Total loans	34,284	34,612
Commercial Real Estate Portfolio Segment [Member]
Total loans secured by real estate	408,375	317,145
Total loans	408,375	317,145
Construction and Land Development Portfolio Segment [Member]
Total loans secured by real estate	150,810	123,822
Total loans	150,810	123,822
Multifamily Portfolio Segment [Member]
Total loans secured by real estate	234,267	61,194
Total loans	234,267	61,194
Commercial Portfolio Segment [Member]
Total loans	112,396	115,772
Consumer Portfolio Segment [Member]
Total loans	924	582
Manufactured Homes Portfolio Segment [Member]
Total loans	38,636	37,887
Net deferred loan origination costs	5,500	5,800
Government Portfolio Segment [Member]
Total loans	$ 8,176	$ 8,991

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, 2022	Mar. 31, 2021
Beginning Balance	$ 13,343	$ 12,458
Recoveries	54	22
Provisions		578
Ending Balance	13,387	13,047
Charge-offs	(10)	(11)
Residential Portfolio Segment [Member]
Beginning Balance	2,480	2,211
Recoveries	21	10
Provisions	(8)	(41)
Ending Balance	2,493	2,176
Charge-offs		(4)
Home Equity Portfolio Segment [Member]
Beginning Balance	357	276
Provisions	(3)	34
Ending Balance	354	309
Charge-offs		(1)
Commercial Real Estate Portfolio Segment [Member]
Beginning Balance	5,515	5,406
Provisions	15	320
Ending Balance	5,530	5,726
Construction and Land Development Portfolio Segment [Member]
Beginning Balance	2,119	1,405
Provisions	16	182
Ending Balance	2,135	1,587
Multifamily Portfolio Segment [Member]
Beginning Balance	848	626
Provisions	41	54
Ending Balance	889	680
Commercial Portfolio Segment [Member]
Beginning Balance	2,009	2,508
Recoveries	31	8
Provisions	(99)	36
Ending Balance	1,941	2,552
Consumer Portfolio Segment [Member]
Beginning Balance	15	26
Recoveries	2	4
Provisions	38	(7)
Ending Balance	45	17
Charge-offs	(10)	$ (6)
Manufactured Homes Portfolio Segment [Member]
Ending Balance	0
Government Portfolio Segment [Member]
Ending Balance	$ 0

Note 5 - Loans Receivable - Imp

Note 5 - Loans Receivable - Impairment Analysis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Allowance individually evaluated for impairment reserves	$ 720	$ 684
Allowance collectively evaluated for impairment reserves	12,667	12,659
Total loans	1,432,621	960,139
Loans receivable individually evaluated for impairment	2,885	3,026
Loans receivable purchased credit impaired individually evaluated for impairment	11,195	2,782
Loans receivable collectively evaluated for impairment	1,418,541	954,331
Loans	1,432,621	960,139
Residential Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	17	17
Allowance collectively evaluated for impairment reserves	2,476	2,463
Total loans	444,753	260,134
Loans receivable individually evaluated for impairment	753	755
Loans receivable purchased credit impaired individually evaluated for impairment	2,908	1,016
Loans receivable collectively evaluated for impairment	441,092	258,363
Loans	444,753	260,134
Home Equity Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	4	4
Allowance collectively evaluated for impairment reserves	350	353
Total loans	34,284	34,612
Loans receivable individually evaluated for impairment	135	147
Loans receivable purchased credit impaired individually evaluated for impairment	134	137
Loans receivable collectively evaluated for impairment	34,015	34,328
Loans	34,284	34,612
Commercial Real Estate Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	440	386
Allowance collectively evaluated for impairment reserves	5,090	5,129
Total loans	408,375	317,145
Loans receivable individually evaluated for impairment	1,496	1,600
Loans receivable purchased credit impaired individually evaluated for impairment	2,965
Loans receivable collectively evaluated for impairment	403,914	315,545
Loans	408,375	317,145
Construction and Land Development Portfolio Segment [Member]
Allowance collectively evaluated for impairment reserves	2,135	2,119
Total loans	150,810	123,822
Loans receivable individually evaluated for impairment		0
Loans receivable purchased credit impaired individually evaluated for impairment	804	0
Loans receivable collectively evaluated for impairment	150,006	123,822
Loans	150,810	123,822
Multifamily Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves		0
Allowance collectively evaluated for impairment reserves	889	848
Total loans	234,267	61,194
Loans receivable purchased credit impaired individually evaluated for impairment	3,302	556
Loans receivable collectively evaluated for impairment	230,965	60,638
Loans	234,267	61,194
Commercial Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves	259	277
Allowance collectively evaluated for impairment reserves	1,682	1,732
Total loans	112,396	115,772
Loans receivable individually evaluated for impairment	501	524
Loans receivable purchased credit impaired individually evaluated for impairment	1,061	1,073
Loans receivable collectively evaluated for impairment	110,834	114,175
Loans	112,396	115,772
Consumer Portfolio Segment [Member]
Allowance individually evaluated for impairment reserves		0
Allowance collectively evaluated for impairment reserves	45	15
Total loans	924	582
Loans receivable purchased credit impaired individually evaluated for impairment	21
Loans receivable collectively evaluated for impairment	903	582
Loans	924	582
Manufactured Homes Portfolio Segment [Member]
Total loans	38,636	37,887
Loans receivable collectively evaluated for impairment	38,636	37,887
Loans	38,636	37,887
Government Portfolio Segment [Member]
Total loans	8,176	8,991
Loans receivable collectively evaluated for impairment	8,176	8,991
Loans	$ 8,176	$ 8,991

Note 5 - Loans Receivable - Cre

Note 5 - Loans Receivable - Credit Quality Indicators (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Pass [Member]
Loan Receivable	$ 1,391,975	$ 930,329
Pass/monitor [Member]
Loan Receivable	23,503	21,123
Special Mention [Member]
Loan Receivable	17,143	8,687
Substandard [Member]
Loan Receivable	1,432,621	960,139
Residential Portfolio Segment [Member] | Pass [Member]
Loan Receivable	435,814	253,472
Residential Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	2,308	2,940
Residential Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	6,631	3,722
Residential Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	444,753	260,134
Home Equity Portfolio Segment [Member] | Pass [Member]
Loan Receivable	33,234	33,565
Home Equity Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	415	415
Home Equity Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	635	632
Home Equity Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	34,284	34,612
Commercial Real Estate Portfolio Segment [Member] | Pass [Member]
Loan Receivable	390,533	301,572
Commercial Real Estate Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	11,391	12,011
Commercial Real Estate Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	6,451	3,562
Commercial Real Estate Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	408,375	317,145
Construction and Land Development Portfolio Segment [Member] | Pass [Member]
Loan Receivable	146,407	120,192
Construction and Land Development Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	4,403	3,630
Construction and Land Development Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	0	0
Construction and Land Development Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	150,810	123,822
Multifamily Portfolio Segment [Member] | Pass [Member]
Loan Receivable	229,705	60,657
Multifamily Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	1,532	153
Multifamily Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	3,030	384
Multifamily Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	234,267	61,194
Commercial Portfolio Segment [Member] | Pass [Member]
Loan Receivable	108,605	113,470
Commercial Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	3,395	1,915
Commercial Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	396	387
Commercial Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	112,396	115,772
Consumer Portfolio Segment [Member] | Pass [Member]
Loan Receivable	924	582
Consumer Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	0	0
Consumer Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	0	0
Consumer Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	924	582
Manufactured Homes Portfolio Segment [Member] | Pass [Member]
Loan Receivable	38,577	37,828
Manufactured Homes Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	59	59
Manufactured Homes Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	0	0
Manufactured Homes Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	38,636	37,887
Government Portfolio Segment [Member] | Pass [Member]
Loan Receivable	8,176	8,991
Government Portfolio Segment [Member] | Pass/monitor [Member]
Loan Receivable	0	0
Government Portfolio Segment [Member] | Special Mention [Member]
Loan Receivable	0	0
Government Portfolio Segment [Member] | Substandard [Member]
Loan Receivable	$ 8,176	$ 8,991

Note 5 - Loans Receivable - Ind

Note 5 - Loans Receivable - Individually Evaluated Impaired Loans (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Residential Portfolio Segment [Member]
With no related allowance recorded, recorded investment	$ 3,575		$ 1,683
With no related allowance recorded, unpaid principal balance	5,070		3,017
With no related allowance recorded, average recorded investment	2,629	$ 1,817
With no related allowance recorded, interest income recognized	30	22
With an allowance recorded, recorded investment	86		88
With an allowance recorded, unpaid principal balance	86		88
With an allowance recorded, related allowance	17		17
With an allowance recorded, average recorded investment	87	217
With an allowance recorded, interest income recognized	3	5
Total, recorded investment	3,661		1,771
Total, unpaid principal balance	5,156		3,105
Total, average recorded investment	2,716	2,034
Total, interest income recognized	33	27
Home Equity Portfolio Segment [Member]
With no related allowance recorded, recorded investment	248		262
With no related allowance recorded, unpaid principal balance	263		275
With no related allowance recorded, average recorded investment	255	341
With no related allowance recorded, interest income recognized	7	4
With an allowance recorded, recorded investment	21		22
With an allowance recorded, unpaid principal balance	21		22
With an allowance recorded, related allowance	4		4
With an allowance recorded, average recorded investment	22	12
With an allowance recorded, interest income recognized	1
Total, recorded investment	269		284
Total, unpaid principal balance	284		297
Total, average recorded investment	277	353
Total, interest income recognized	8	4
Commercial Real Estate Portfolio Segment [Member]
With no related allowance recorded, recorded investment	3,610		765
With no related allowance recorded, unpaid principal balance	3,722		765
With no related allowance recorded, average recorded investment	2,188	1,174
With no related allowance recorded, interest income recognized	10	12
With an allowance recorded, recorded investment	851		835
With an allowance recorded, unpaid principal balance	852		835
With an allowance recorded, related allowance	440		386
With an allowance recorded, average recorded investment	843	5,549
With an allowance recorded, interest income recognized	0	50
Total, recorded investment	4,461		1,600
Total, unpaid principal balance	4,574		1,600
Total, average recorded investment	3,031	6,723
Total, interest income recognized	10	62
Construction and Land Development Portfolio Segment [Member]
With no related allowance recorded, recorded investment	804
With no related allowance recorded, unpaid principal balance	920
With no related allowance recorded, average recorded investment	460
With no related allowance recorded, interest income recognized	0
With an allowance recorded, recorded investment	0
With an allowance recorded, average recorded investment	0
With an allowance recorded, interest income recognized	0
Total, recorded investment	804
Total, unpaid principal balance	920
Total, average recorded investment	460
Total, interest income recognized	0
Multifamily Portfolio Segment [Member]
With no related allowance recorded, recorded investment	3,302		556
With no related allowance recorded, unpaid principal balance	4,241		647
With no related allowance recorded, average recorded investment	2,036	708
With no related allowance recorded, interest income recognized	0	5
With an allowance recorded, recorded investment	0
With an allowance recorded, related allowance			0
With an allowance recorded, average recorded investment	0
With an allowance recorded, interest income recognized	0
Total, recorded investment	3,302		556
Total, unpaid principal balance	4,241		647
Total, average recorded investment	2,036	708
Total, interest income recognized	0	5
Commercial Portfolio Segment [Member]
With no related allowance recorded, recorded investment	1,247		1,205
With no related allowance recorded, unpaid principal balance	1,363		1,324
With no related allowance recorded, average recorded investment	1,226	1,467
With no related allowance recorded, interest income recognized	15	18
With an allowance recorded, recorded investment	315		392
With an allowance recorded, unpaid principal balance	377		392
With an allowance recorded, related allowance	259		277
With an allowance recorded, average recorded investment	354	737
With an allowance recorded, interest income recognized	16	11
Total, recorded investment	1,562		1,597
Total, unpaid principal balance	1,740		$ 1,716
Total, average recorded investment	1,580	2,204
Total, interest income recognized	31	$ 29
Consumer Portfolio Segment [Member]
With no related allowance recorded, recorded investment	21
With no related allowance recorded, unpaid principal balance	21
With no related allowance recorded, average recorded investment	11
With no related allowance recorded, interest income recognized	0
With an allowance recorded, recorded investment	0
With an allowance recorded, average recorded investment	0
With an allowance recorded, interest income recognized	0
Total, recorded investment	21
Total, unpaid principal balance	21
Total, average recorded investment	11
Total, interest income recognized	0
Manufactured Homes Portfolio Segment [Member]
With no related allowance recorded, recorded investment	0
With no related allowance recorded, unpaid principal balance	0
With no related allowance recorded, average recorded investment	0
With no related allowance recorded, interest income recognized	0
With an allowance recorded, recorded investment	0
With an allowance recorded, average recorded investment	0
With an allowance recorded, interest income recognized	0
Total, average recorded investment	0
Total, interest income recognized	0
Government Portfolio Segment [Member]
With no related allowance recorded, recorded investment	0
With no related allowance recorded, unpaid principal balance	0
With no related allowance recorded, average recorded investment	0
With no related allowance recorded, interest income recognized	0
With an allowance recorded, recorded investment	0
With an allowance recorded, average recorded investment	0
With an allowance recorded, interest income recognized	0
Total, average recorded investment	0
Total, interest income recognized	$ 0

Note 5 - Loans Receivable - Age

Note 5 - Loans Receivable - Age Analysis of Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021	Dec. 31, 2020
Loans	$ 1,432,621	$ 960,139
Recorded investments greater than 90 past due and still accruing		494	$ 205
Financial Asset, 30 to 59 Days Past Due [Member]
Loans	8,612	9,261
Financial Asset, 60 to 89 Days Past Due [Member]
Loans	2,433	4,902
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	5,771	4,002
Financial Asset, Past Due [Member]
Loans	16,816	18,165
Financial Asset, Not Past Due [Member]
Loans	1,415,805	941,974
Residential Portfolio Segment [Member]
Loans	444,753	260,134
Recorded investments greater than 90 past due and still accruing		117	31
Residential Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	3,056	2,507
Residential Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	1,388	824
Residential Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	3,528	2,142
Residential Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	7,972	5,473
Residential Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	436,781	254,661
Home Equity Portfolio Segment [Member]
Loans	34,284	34,612
Recorded investments greater than 90 past due and still accruing		0	34
Home Equity Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	37	169
Home Equity Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	18	67
Home Equity Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	534	565
Home Equity Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	589	801
Home Equity Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	33,695	33,811
Commercial Real Estate Portfolio Segment [Member]
Loans	408,375	317,145
Recorded investments greater than 90 past due and still accruing		163	91
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	1,665	231
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	805	1,960
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	1,015	944
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	3,485	3,135
Commercial Real Estate Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	404,890	314,010
Construction and Land Development Portfolio Segment [Member]
Loans	150,810	123,822
Recorded investments greater than 90 past due and still accruing		0	0
Construction and Land Development Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	2,513	5,148
Construction and Land Development Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	283
Construction and Land Development Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Construction and Land Development Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	2,513	5,431
Construction and Land Development Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	148,297	118,391
Multifamily Portfolio Segment [Member]
Loans	234,267	61,194
Recorded investments greater than 90 past due and still accruing		0	0
Multifamily Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	55	0
Multifamily Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	18	0
Multifamily Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	111	109
Multifamily Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	184	109
Multifamily Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	234,083	61,085
Commercial Portfolio Segment [Member]
Loans	112,396	115,772
Recorded investments greater than 90 past due and still accruing		214	49
Commercial Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	970	573
Commercial Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	1,594
Commercial Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	583	242
Commercial Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	1,553	2,409
Commercial Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	110,843	113,363
Consumer Portfolio Segment [Member]
Loans	924	582
Recorded investments greater than 90 past due and still accruing		0	0
Consumer Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	3
Consumer Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Consumer Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	0	3
Consumer Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	924	579
Manufactured Homes Portfolio Segment [Member]
Loans	38,636	37,887
Recorded investments greater than 90 past due and still accruing		0	0
Manufactured Homes Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	316	633
Manufactured Homes Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	204	171
Manufactured Homes Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Manufactured Homes Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	520	804
Manufactured Homes Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	38,116	37,083
Government Portfolio Segment [Member]
Loans	8,176	8,991
Recorded investments greater than 90 past due and still accruing		0	$ 0
Government Portfolio Segment [Member] | Financial Asset, 30 to 59 Days Past Due [Member]
Loans	0	0
Government Portfolio Segment [Member] | Financial Asset, 60 to 89 Days Past Due [Member]
Loans	0	0
Government Portfolio Segment [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans	0	0
Government Portfolio Segment [Member] | Financial Asset, Past Due [Member]
Loans	0	0
Government Portfolio Segment [Member] | Financial Asset, Not Past Due [Member]
Loans	$ 8,176	$ 8,991

Note 5 - Loans Receivable - L_2

Note 5 - Loans Receivable - Loans on Nonaccrual Status (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Financing receivables on nonaccrual status	$ 8,414	$ 7,056
Residential Portfolio Segment [Member]
Financing receivables on nonaccrual status	5,710	4,651
Home Equity Portfolio Segment [Member]
Financing receivables on nonaccrual status	620	623
Commercial Real Estate Portfolio Segment [Member]
Financing receivables on nonaccrual status	1,263	940
Construction and Land Development Portfolio Segment [Member]
Financing receivables on nonaccrual status	0	0
Multifamily Portfolio Segment [Member]
Financing receivables on nonaccrual status	447	455
Commercial Portfolio Segment [Member]
Financing receivables on nonaccrual status	374	387
Consumer Portfolio Segment [Member]
Financing receivables on nonaccrual status	0	0
Manufactured Homes Portfolio Segment [Member]
Financing receivables on nonaccrual status	0	0
Government Portfolio Segment [Member]
Financing receivables on nonaccrual status	$ 0	$ 0

Note 5 - Loans Receivable - Acc

Note 5 - Loans Receivable - Accretable Yield (Details) - First Personal Financial Corporation [Member] $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Remainder 2022, to be collected	$ 719
2023, to be collected	804
2024, to be collected	623
2025, to be collected	605
2026 and thereafter, to be collected	3,671
Total, to be collected	6,422
Financial Asset Acquired with Credit Deterioration [Member]
2020, accretable yield collected	305
2021, accretable yield collected	$ 107

Note 6 - Intangibles and Acqu_3

Note 6 - Intangibles and Acquisition Related Accounting (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Jan. 31, 2022	Dec. 31, 2021	Jan. 31, 2021
Goodwill, Ending Balance	$ 22,774		$ 11,109
Goodwill, Impairment Loss	0
Core Deposits [Member]
Finite-Lived Core Deposits, Gross	6,000		$ 3,100
Royal Financial, Inc. [Member]
Goodwill, Ending Balance	11,700	$ 11,700		$ 11,664
Certificates of Deposit, Fair Value Premium	1,000
Amortization of Intangible Assets	129
Finite-Lived Intangible Asset, Expected Amortization, Remainder of Fiscal Year	412
Finite-Lived Intangible Asset, Expected Amortization, Year One	217
Finite-Lived Intangible Asset, Expected Amortization, Year Two	124
Finite-Lived Intangible Asset, Expected Amortization, Year Three	72
Finite-Lived Intangible Asset, Expected Amortization, after Year Three	$ 55

Note 6 - Intangibles and Acqu_4

Note 6 - Intangibles and Acquisition Related Accounting - Annual Amortization (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
First Federal Savings and Loan [Member]
Amortization of intangible assets	$ 347	$ 248

Note 6 - Intangibles and Acqu_5

Note 6 - Intangibles and Acquisition Related Accounting - Future Annual Amortization (Details) - First Federal Savings and Loan [Member] $ in Thousands	Mar. 31, 2022USD ($)
Finite-Lived Intangible Asset, Expected Amortization, Remainder of Fiscal Year	$ 1,205
Finite-Lived Intangible Asset, Expected Amortization, Year One	1,522
Finite-Lived Intangible Asset, Expected Amortization, Year Two	1,411
Finite-Lived Intangible Asset, Expected Amortization, Year Three	688
Finite-Lived Intangible Asset, Expected Amortization, after Year Three	1,172
Total	$ 5,998

Note 8 - Earnings Per Share - R

Note 8 - Earnings Per Share - Reconciliation of Basic and Diluted Earnings per Common Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Net income as reported	$ 2,135	$ 4,543
Weighted average common shares outstanding (in shares)	4,020,815	3,471,604
Basic earnings per common share (in dollars per share)	$ 0.53	$ 1.31
Weighted average common and dilutive potential common shares outstanding (in shares)	4,020,815	3,471,604
Diluted earnings per common share (in dollars per share)	$ 0.53	$ 1.31

Note 9 - Stock Based Compensa_3

Note 9 - Stock Based Compensation (Details Textual) - USD ($)	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Feb. 17, 2015
Share-Based Payment Arrangement, Expense	$ 169,000	$ 146,000
Share Based Compensation Expense, Estimated Future Compensation, Total	$ 1,600
Share-Based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition (Year)	1 year 10 months 24 days
2015 Stock Option and Incentive Plan [Member]
Share-based Compensation Arrangement by Share-based Payment Award, Number of Shares Authorized (in shares)			250,000
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)	18,891	17,716
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 9 - Stock Based Compensa_4

Note 9 - Stock Based Compensation - Restricted Stock Activity (Details)	3 Months Ended
	Mar. 31, 2022$ / sharesshares
Non-vested, shares (in shares) | shares	44,235
Non-vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 42.33
Granted, shares (in shares) | shares	18,891
Granted, weighted average grant date fair value (in dollars per share) | $ / shares	$ 47.96
Vested, shares (in shares) | shares	(10,863)
Vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 41.56
Forfeited, shares (in shares) | shares	(513)
Forfeited, weighted average grant date fair value (in dollars per share) | $ / shares	$ 44.17
Non-vested, shares (in shares) | shares	51,750
Non-vested, weighted average grant date fair value (in dollars per share) | $ / shares	$ 44.53

Note 12 - Derivative Financia_3

Note 12 - Derivative Financial Instruments - Non-hedging Derivative Financial Instruments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021	Dec. 31, 2021
Derivative assets, fair vale	$ 5,156		$ 2,827
Derivative liabilities, fair vale	4,990		2,686
Derivative instrument, gain (loss)	25	$ 10
Not Designated as Hedging Instrument [Member]
Derivative, notational amount	102,628		101,991
Interest Rate Swap [Member] | Fees and Service Charges [Member]
Derivative instrument, gain (loss)		(13)
Interest Rate Swap [Member] | Other Assets [Member]
Derivative assets, fair vale	4,990		2,686
Interest Rate Swap [Member] | Other Liabilities [Member]
Derivative liabilities, fair vale	4,990		2,686
Interest Rate Swap [Member] | Not Designated as Hedging Instrument [Member]
Derivative, notational amount	93,890		94,154
Interest Rate Lock Commitments [Member] | Gain (Loss) on Sale of Loans Held-for-Sale, Net [Member]
Derivative instrument, gain (loss)	25	$ 23
Interest Rate Lock Commitments [Member] | Other Assets [Member]
Derivative assets, fair vale	166		141
Interest Rate Lock Commitments [Member] | Other Liabilities [Member]
Derivative liabilities, fair vale	0
Interest Rate Lock Commitments [Member] | Not Designated as Hedging Instrument [Member]
Derivative, notational amount	$ 8,738		$ 7,837

Note 12 - Derivative Financia_4

Note 12 - Derivative Financial Instruments - Offset Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Gross amount of recognized assets	$ 5,156	$ 2,827
Gross amounts offset in the statements of financial condition	0
Net amount of assets presented in the statement of financial condition	5,156	2,827
Financial instruments	0
Cash collateral received	0
Net amount	5,156	2,827
Interest Rate Swap [Member]
Gross amount of recognized assets	4,990	2,686
Gross amounts offset in the statements of financial condition	0
Net amount of assets presented in the statement of financial condition	4,990	2,686
Financial instruments	0
Cash collateral received	0
Net amount	4,990	2,686
Interest Rate Lock Commitments [Member]
Gross amount of recognized assets	166	141
Gross amounts offset in the statements of financial condition	0
Net amount of assets presented in the statement of financial condition	166	141
Financial instruments	0
Cash collateral received	0
Net amount	$ 166	$ 141

Note 12 - Derivative Financia_5

Note 12 - Derivative Financial Instruments - Offset Liabilities (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Gross amount of recognized liabilities	$ 4,990	$ 2,686
Gross amounts offset in the statement of financial condition	0
Net amount of liabilities present in the statement of financial condition	4,990	2,686
Financial instruments	0
Cash collateral pledged	3,930	3,930
Net amount	1,060
Net amount		(1,244)
Interest Rate Swap [Member]
Gross amount of recognized liabilities	4,990	2,686
Gross amounts offset in the statement of financial condition	0
Net amount of liabilities present in the statement of financial condition	4,990	2,686
Financial instruments	0
Cash collateral pledged	3,930	3,930
Net amount	$ 1,060
Net amount		$ (1,244)

Note 13 - Fair Value (Details T

Note 13 - Fair Value (Details Textual) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2021	Mar. 31, 2022
Other than Temporary Impairment, Credit Losses Recognized in Earnings, Additions, Additional Credit Losses	$ 0
Debt Securities, Available-for-sale, Amortized Cost, Total	$ 521,485	$ 506,686
Trust Preferred Securities Debt [Member]
Debt Securities, Available-for-sale, Amortized Cost, Total		$ 2,200

Note 13 - Fair Value - Credit L

Note 13 - Fair Value - Credit Loss Roll Forward for Trust Preferred Securities Classified with Other Than Temporary Impairment (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2022USD ($)
Balance	$ 173
Additions not previously recognized	0
Balance	$ 173

Note 13 - Fair Value - Assets M

Note 13 - Fair Value - Assets Measured at Fair Value on a Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Derivative Assets	$ 5,156	$ 2,827
Total securities available-for-sale	464,320	526,889
Net amount of liabilities present in the statement of financial condition	4,990	2,686
US Government-sponsored Enterprises Debt Securities [Member]
Total securities available-for-sale	8,202	8,669
US Treasury Securities [Member]
Total securities available-for-sale	199	400
Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Total securities available-for-sale	164,123	184,701
US States and Political Subdivisions Debt Securities [Member]
Total securities available-for-sale	290,824	332,127
Collateralized Debt Obligations [Member]
Total securities available-for-sale	972	992
Interest Rate Swap [Member]
Derivative Assets	4,990	2,686
Net amount of liabilities present in the statement of financial condition	4,990	2,686
Fair Value, Recurring [Member]
Total securities available-for-sale	464,320	526,889
Fair Value, Recurring [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Total securities available-for-sale	8,202	8,669
Fair Value, Recurring [Member] | US Treasury Securities [Member]
Total securities available-for-sale	199	400
Fair Value, Recurring [Member] | Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Total securities available-for-sale	164,123	184,701
Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]
Total securities available-for-sale	290,824	332,127
Fair Value, Recurring [Member] | Collateralized Debt Obligations [Member]
Total securities available-for-sale	972	992
Fair Value, Recurring [Member] | Interest Rate Lock Commitments [Member]
Derivative Assets	166	141
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US Treasury Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | US States and Political Subdivisions Debt Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Collateralized Debt Obligations [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member] | Interest Rate Lock Commitments [Member]
Derivative Assets	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Total securities available-for-sale	463,348	525,897
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Total securities available-for-sale	8,202	8,669
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US Treasury Securities [Member]
Total securities available-for-sale	199	400
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Total securities available-for-sale	164,123	184,701
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | US States and Political Subdivisions Debt Securities [Member]
Total securities available-for-sale	290,824	332,127
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Collateralized Debt Obligations [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member] | Interest Rate Lock Commitments [Member]
Derivative Assets	166	141
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Total securities available-for-sale	972	992
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Government-sponsored Enterprises Debt Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US Treasury Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Mortgage Obligations and Residential Mortgage Backed Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | US States and Political Subdivisions Debt Securities [Member]
Total securities available-for-sale	0	0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Collateralized Debt Obligations [Member]
Total securities available-for-sale	972	992
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Interest Rate Lock Commitments [Member]
Derivative Assets	0	0
Fair Value, Recurring [Member] | Interest Rate Swap [Member]
Derivative Assets	4,990	2,686
Net amount of liabilities present in the statement of financial condition	4,990	2,686
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 1 [Member]
Derivative Assets	0	0
Net amount of liabilities present in the statement of financial condition	0	0
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 2 [Member]
Derivative Assets	4,990	2,686
Net amount of liabilities present in the statement of financial condition	4,990	2,686
Fair Value, Recurring [Member] | Interest Rate Swap [Member] | Fair Value, Inputs, Level 3 [Member]
Derivative Assets	0	0
Net amount of liabilities present in the statement of financial condition	$ 0	$ 0

Note 13 - Fair Value - Availabl

Note 13 - Fair Value - Available for Sale Securities (Details) - Fair Value, Inputs, Level 3 [Member] - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2022	Mar. 31, 2021
Beginning balance	$ 992	$ 929
Principal payments	0	(5)
Total unrealized gains (losses), included in other comprehensive income	(20)	20
Ending balance	$ 972	$ 944

Note 13 - Fair Value - Assets_2

Note 13 - Fair Value - Assets Measured on a Nonrecurring Basis (Details) - Fair Value, Nonrecurring [Member] - Impaired Loans [Member] - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Assets, fair value	$ 151	$ 896
Fair Value, Inputs, Level 1 [Member]
Assets, fair value	0	0
Fair Value, Inputs, Level 2 [Member]
Assets, fair value	0	0
Fair Value, Inputs, Level 3 [Member]
Assets, fair value	$ 151	$ 896

Note 13 - Fair Value - Financia

Note 13 - Fair Value - Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2022	Dec. 31, 2021
Reported Value Measurement [Member]
Cash and cash equivalents	$ 54,501	$ 33,176
Certificates of deposit in other financial institutions	1,731	1,709
Loans held-for-sale	1,420	4,987
Loans receivable, net	1,426,341	953,377
Federal Home Loan Bank stock	3,038	3,247
Accrued interest receivable	7,427	5,444
Non-interest bearing deposits	380,515	295,294
Interest bearing deposits	1,514,696	1,138,907
Repurchase agreements	23,239	14,581
Borrowed funds	5	0
Accrued interest payable	42	22
Borrowed funds	5	0
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	54,501	33,176
Certificates of deposit in other financial institutions	1,650	1,737
Loans held-for-sale	1,445	5,065
Loans receivable, net	1,382,030	951,744
Federal Home Loan Bank stock	3,038	3,247
Accrued interest receivable	7,427	5,444
Non-interest bearing deposits	380,515	295,294
Interest bearing deposits	1,513,699	1,139,126
Repurchase agreements	23,150	14,579
Borrowed funds	5	0
Accrued interest payable	42	22
Borrowed funds	5	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	54,501	33,176
Certificates of deposit in other financial institutions	0	0
Loans held-for-sale	0	0
Loans receivable, net	0	0
Federal Home Loan Bank stock	0	0
Accrued interest receivable	0	0
Non-interest bearing deposits	380,515	295,294
Interest bearing deposits	1,084,309	899,690
Repurchase agreements	12,939	12,842
Borrowed funds	5	0
Accrued interest payable	0	0
Borrowed funds	5	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents	0	0
Certificates of deposit in other financial institutions	1,650	1,737
Loans held-for-sale	1,445	5,065
Loans receivable, net	0	0
Federal Home Loan Bank stock	3,038	3,247
Accrued interest receivable	7,427	5,444
Non-interest bearing deposits	0	0
Interest bearing deposits	429,390	239,436
Repurchase agreements	10,211	1,737
Borrowed funds	0	0
Accrued interest payable	42	22
Borrowed funds	0	0
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Cash and cash equivalents	0	0
Certificates of deposit in other financial institutions	0	0
Loans held-for-sale	0	0
Loans receivable, net	1,382,030	951,744
Federal Home Loan Bank stock	0	0
Accrued interest receivable	0	0
Non-interest bearing deposits	0	0
Interest bearing deposits	0	0
Repurchase agreements	0	0
Borrowed funds	0	0
Accrued interest payable	0	0
Borrowed funds	$ 0	$ 0