HMN Financial (HMNF) 10-Q 1 May 20 2020 Q1 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	3 Months Ended
	Mar. 31, 2020	Apr. 24, 2020
Document Information [Line Items]
Entity Registrant Name	HMN FINANCIAL INC
Entity Central Index Key	0000921183
Trading Symbol	hmnf
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	true
Entity Interactive Data Current	Yes
Entity Common Stock, Shares Outstanding (in shares)		4,833,973
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Mar. 31, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q1
Amendment Flag	false
Title of 12(b) Security	Common Stock

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Assets
Cash and cash equivalents	$ 35,744	$ 44,399
Securities available for sale	100,939	107,592
Equity securities	110	167
Loans held for sale	4,884	3,606
Loans receivable, net	617,645	596,392
Accrued interest receivable	2,236	2,251
Real estate, net	683	580
Federal Home Loan Bank stock, at cost	932	854
Mortgage servicing rights, net	2,206	2,172
Premises and equipment, net	10,426	10,515
Goodwill	802	802
Core deposit intangible	131	156
Prepaid expenses and other assets	6,254	6,451
Deferred tax asset, net	1,208	1,702
Total assets	784,200	777,639
Deposits	677,519	673,870
Accrued interest payable	344	420
Customer escrows	3,120	2,413
Accrued expenses and other liabilities	8,182	8,288
Total liabilities	689,165	684,991
Commitments and contingencies
Stockholders’ equity:
Serial-preferred stock ($.01 par value): authorized 500,000 shares; issued 0	0	0
Common stock ($.01 par value): authorized 16,000,000 shares; issued 9,128,662	91	91
Additional paid-in capital	40,347	40,365
Retained earnings, subject to certain restrictions	108,932	107,547
Accumulated other comprehensive income	1,321	46
Unearned employee stock ownership plan shares	(1,595)	(1,643)
Treasury stock, at cost 4,300,689 and 4,284,840 shares	(54,061)	(53,758)
Total stockholders’ equity	95,035	92,648
Total liabilities and stockholders’ equity	784,200	777,639
Collateralized Mortgage Backed Securities [Member]
Assets
Securities available for sale	53,687	54,851
Other Debt Obligations [Member]
Assets
Securities available for sale	$ 47,252	$ 52,741

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities available for sale, amortized cost	$ 99,105	$ 107,528
Serial preferred stock, par value (in dollars per share)	$ 0.01	$ 0.01
Serial preferred stock, shares authorized (in shares)	500,000	500,000
Serial preferred stock, shares issued (in shares)	0	0
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	16,000,000	16,000,000
Common stock, shares issued (in shares)	9,128,662	9,128,662
Treasury stock, shares (in shares)	4,300,689	4,284,840
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, amortized cost	$ 52,160	$ 54,777
Other Debt Obligations [Member]
Securities available for sale, amortized cost	$ 46,945	$ 52,751

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest income:
Loans receivable	$ 7,240	$ 7,268
Securities available for sale:
Mortgage-backed and related	289	46
Other marketable	212	292
Other	103	126
Total interest income	7,844	7,732
Interest expense:
Deposits	892	690
Total interest expense	892	690
Net interest income	6,952	7,042
Provision for loan losses	460	27
Net interest income after provision for loan losses	6,492	7,015
Non-interest income:
Gain on sales of loans	1,134	379
Other	291	297
Total non-interest income	2,471	1,691
Non-interest expense:
Compensation and benefits	4,047	3,910
Occupancy and equipment	1,123	1,060
Data processing	308	301
Professional services	487	272
Other	1,036	903
Total non-interest expense	7,001	6,446
Income before income tax expense	1,962	2,260
Income tax expense	577	640
Net income	1,385	1,620
Other comprehensive income, net of tax	1,275	484
Comprehensive income available to common shareholders	$ 2,660	$ 2,104
Basic earnings per share (in dollars per share)	$ 0.30	$ 0.35
Diluted earnings per share (in dollars per share)	$ 0.30	$ 0.35
Financial Service [Member]
Non-interest income:
Revenue from Contract with Customer	$ 714	$ 700
Bank Servicing [Member]
Non-interest income:
Revenue from Contract with Customer	$ 332	$ 315

Consolidated Statements of Stoc

Consolidated Statements of Stockholders' Equity (Unaudited) - USD ($) $ in Thousands	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Unearned Employee Stock Ownership Plan Shares [Member]	Treasury Stock [Member]	Total
Balance at Dec. 31, 2018	$ 91	$ 40,090	$ 99,754	$ (1,096)	$ (1,836)	$ (53,856)	$ 83,147
Net income			1,620				1,620
Other comprehensive income (loss)				484			484
Restricted stock awards		(110)				110	0
Stock awards withheld for tax withholding						(45)	(45)
Amortization of restricted stock awards		42					42
Earned employee stock ownership plan shares		54			48		102
Balance at Mar. 31, 2019	91	40,076	101,374	(612)	(1,788)	(53,791)	85,350
Balance at Dec. 31, 2019	91	40,365	107,547	46	(1,643)	(53,758)	92,648
Net income			1,385				1,385
Other comprehensive income (loss)				1,275			1,275
Stock repurchases						(360)	(360)
Restricted stock awards		(117)				117	0
Stock awards withheld for tax withholding						(60)	(60)
Amortization of restricted stock awards		46					46
Earned employee stock ownership plan shares		53			48		101
Balance at Mar. 31, 2020	$ 91	$ 40,347	$ 108,932	$ 1,321	$ (1,595)	$ (54,061)	$ 95,035

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities:
Net income	$ 1,385	$ 1,620
Adjustments to reconcile net income to cash provided by operating activities:
Provision for loan losses	460	27
Depreciation	291	273
Amortization of premiums (discounts), net	16	(4)
Amortization of deferred loan fees	2	13
Amortization of core deposit intangible	300
Amortization of purchased loan fair value adjustments	(4)	(8)
Amortization of mortgage servicing rights	228	140
Capitalized mortgage servicing rights	(262)	(116)
Securities losses (gains), net	57	(24)
Loss on sales of real estate	(2)	0
Gain on sales of loans	(1,134)	(379)
Proceeds from sale of loans held for sale	29,514	13,599
Disbursements on loans held for sale	(29,133)	(12,370)
Amortization of restricted stock awards	46	42
Amortization of unearned Employee Stock Ownership Plan shares	48	48
Earned Employee Stock Ownership Plan shares priced above original cost	53	54
Decrease in accrued interest receivable	15	30
Decrease in accrued interest payable	(76)	(14)
Decrease in other assets	505	668
Increase (decrease) in other liabilities	30	(572)
Other, net	0	1
Net cash provided by operating activities	2,068	3,052
Cash flows from investing activities:
Principal collected on securities available for sale	2,633	443
Proceeds collected on maturities of securities available for sale	25,875	300
Purchases of securities available for sale	(20,102)	0
Purchase of Federal Home Loan Bank stock	(79)	0
Redemption of Federal Home Loan Bank stock	0	14
Proceeds from sales of real estate owned	34	0
Net increase in loans receivable	(22,818)	(13,592)
Purchases of premises and equipment	(202)	(189)
Net cash used by investing activities	(14,659)	(13,024)
Cash flows from financing activities:
Increase in deposits	3,649	3,240
Purchase of treasury stock	(360)	0
Stock awards withheld for tax withholding	(60)	(45)
Increase in customer escrows	707	1,189
Net cash provided by financing activities	3,936	4,384
Decrease in cash and cash equivalents	(8,655)	(5,588)
Cash and cash equivalents, beginning of period	44,399	20,709
Cash and cash equivalents, end of period	35,744	15,121
Supplemental cash flow disclosures:
Cash paid for interest	968	704
Supplemental noncash flow disclosures:
Loans transferred to loans held for sale	969	759
Transfer of loans to real estate	139	30
Right to use assets and lease obligations	0	4,505
Core Deposits [Member]
Adjustments to reconcile net income to cash provided by operating activities:
Amortization of core deposit intangible	$ 25	$ 24

Note 1 - HMN Financial, Inc.

Note 1 - HMN Financial, Inc.	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Organization, Consolidation and Presentation of Financial Statements Disclosure [Text Block]	( 1 HMN Financial, Inc. HMN Financial, Inc. (HMN or the Company) is a stock savings bank holding company that owns 100 two The consolidated financial statements included herein are for HMN, the Bank, OIA and HPH. All significant intercompany accounts and transactions have been eliminated in consolidation.

Note 2 - Basis of Preparation

Note 2 - Basis of Preparation	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Basis of Accounting [Text Block]	( 2 Basis of Preparation The accompanying unaudited consolidated financial statements were prepared in accordance with instructions for Form 10 not three March 31, 2020 not may

Note 3 - New Accounting Standar

Note 3 - New Accounting Standards	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	( 3 New Accounting Standards In June 2016, 2016 13, Financial Instruments-Credit Losses (Topic 326 not December 15, 2019, November 26, 2019, 2019 11, Codification Improvements to Topic 326, 2016 13 first 2020 first 2023. may December 15, 2018, not first 2023. On February 6, 2020, 2020 02, Financial Instruments-Credit Losses (Topic 326 842 No. 119 No. 2016 02, 842 Leases (Topic 842 not 326 326. 326 first 2023.

Note 4 - Fair Value Measurement

Note 4 - Fair Value Measurements	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Fair Value Disclosures [Text Block]	( 4 ) Fair Value Measurements ASC 820, Fair Value Measurements , three Level 1 Level 2 not Level 3 not not The following table summarizes the assets of the Company for which fair values are determined on a recurring basis as of March 31, 2020 December 31, 2019. Carrying value at March 31, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 100,939 0 100,939 0 Equity securities 110 0 110 0 Mortgage loan commitments 522 0 522 0 Total $ 101,571 0 101,571 0 Carrying value at December 31, 2019 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 107,592 0 107,592 0 Equity securities 167 0 167 0 Mortgage loan commitments 14 0 14 0 Total $ 107,773 0 107,773 0 There were no 1, 2, 3 three March 31, 2020. The Company may March 31, 2020 December 31, 2019. Carrying value at March 31, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three months ended March 31, 2020 Total gains Loans held for sale $ 4,884 0 4,884 0 64 Mortgage servicing rights, net 2,206 0 2,206 0 0 Impaired loans (1) 2,990 0 2,990 0 29 Real estate, net (2) 683 0 683 0 0 Total $ 10,763 0 10,763 0 93 Carrying value at December 31, 2019 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year ended December 31, 2019 Total losses Loans held for sale $ 3,606 0 3,606 0 (40 ) Mortgage servicing rights, net 2,172 0 2,172 0 0 Impaired loans (1) 3,126 0 3,126 0 (28 ) Real estate, net (2) 580 0 580 0 0 Total $ 9,484 0 9,484 0 (68 ) ( 1 ( 2

Note 5 - Fair Value of Financia

Note 5 - Fair Value of Financial Instruments	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Financial Instruments Disclosure [Text Block]	( 5 ) Fair Value of Financial Instruments ASC 825, Disclosures about Fair Values of Financial Instruments March 31, 2020 December 31, 2019 no The estimated fair value of the Company’s financial instruments as of March 31, 2020 December 31, 2019 March 31, 2020 December 31, 2019 Fair value hierarchy Fair value hierarchy (Dollars in thousands) Carrying amount Estimated fair value Level 1 Level 2 Level 3 Contract amount Carrying amount Estimated fair value Level 1 Level 2 Level 3 Contract amount Financial assets: Cash and cash equivalents $ 35,744 35,744 35,744 44,399 44,399 44,399 Securities available for sale 100,939 100,939 100,939 107,592 107,592 107,592 Equity securities 110 110 110 167 167 167 Loans held for sale 4,884 4,884 4,884 3,606 3,606 3,606 Loans receivable, net 617,645 631,431 631,431 596,392 600,863 600,863 Federal Home Loan Bank stock 932 932 932 854 854 854 Accrued interest receivable 2,236 2,236 2,236 2,251 2,251 2,251 Financial liabilities: Deposits 677,519 678,952 678,952 673,870 673,945 673,945 Accrued interest payable 344 344 344 420 420 420 Off-balance sheet finacial Commitments to extend credit 522 522 210,676 14 14 178,804 Commitments to sell loans (81 ) (81 ) 66,668 (16 ) (16 ) 10,098 Cash and Cash Equivalents The carrying amount of cash and cash equivalents approximates their fair value. Securities Available for Sale The fair values of securities were based upon quoted market prices for identical or similar instruments in active markets. Equity Securities The fair values of equity securities were based upon quoted market prices. Loans Held for Sale The fair values of loans held for sale were based upon quoted market prices for loans with similar interest rates and terms to maturity. Loans Receivable , net The fair value of the loan portfolio, with the exception of the adjustable rate portfolio, was calculated by discounting the scheduled cash flows through the estimated maturity using anticipated prepayment speeds and using discount rates that reflect the credit and interest rate risk inherent in each loan portfolio. The fair value of the adjustable loan portfolio was estimated by grouping the loans with similar characteristics and comparing the characteristics of each group to the prices quoted for similar types of loans in the secondary market. The fair value disclosures for both the fixed and adjustable rate portfolios reflect the exit price amount anticipated to be received from the sale of the portfolio in an open market transaction. Federal Home Loan Bank Stock The carrying amount of Federal Home Loan Bank (FHLB) stock approximates its fair value. Accrued Interest Receivable The carrying amount of accrued interest receivable approximates its fair value since it is short-term in nature and does not Deposits The fair value of demand deposits, savings accounts and certain money market account deposits is the amount payable on demand at the reporting date. The fair value of fixed maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value disclosures for all of the deposits reflect the exit price amount anticipated to be received from the sale of the deposits in an open market transaction. Accrued Interest Payable The carrying amount of accrued interest payable approximates its fair value since it is short-term in nature. Commitments to Extend Credit The fair values of commitments to extend credit are estimated using the fees normally charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present creditworthiness of the counter parties. Commitments to Sell Loans The fair values of commitments to sell loans are estimated using the quoted market prices for loans with similar interest rates and terms to maturity.

Note 6 - Other Comprehensive In

Note 6 - Other Comprehensive Income	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	( 6 ) Other Comprehensive Income Other comprehensive income is defined as the change in equity during a period from transactions and other events from nonowner sources. Comprehensive income is the total of net income and other comprehensive income, which for the Company is comprised of unrealized gains on securities available for sale. The components of other comprehensive income and the related tax effects were as follows: For the period ended March 31, (Dollars in thousands) 2020 2019 Securities available for sale: Before tax Tax effect Net of tax Before tax Tax effect Net of tax Net unrealized gains arising during the period $ 1,770 495 1,275 671 187 484 Other comprehensive income $ 1,770 495 1,275 671 187 484

Note 7 - Securities Available f

Note 7 - Securities Available for Sale	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	( 7 ) Securities Available For Sale The following table shows the gross unrealized losses and fair values for the securities available for sale portfolio, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at March 31, 2020 December 31, 2019. Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses March 31, 2020 Other marketable securities: Corporate preferred stock 0 $ 0 0 1 $ 525 (175 ) $ 525 (175 ) Total temporarily impaired securities 0 $ 0 0 1 $ 525 (175 ) $ 525 (175 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2019 Mortgage backed securities: FNMA 4 $ 12,143 (65 ) 0 $ 0 0 $ 12,143 (65 ) Other marketable securities: U.S. Government agency obligations 0 0 0 4 19,972 (21 ) 19,972 (21 ) Corporate preferred stock 0 0 0 1 665 (35 ) 665 (35 ) Total temporarily impaired securities 4 $ 12,143 (65 ) 5 $ 20,637 (56 ) $ 32,780 (121 ) The Company reviews its investment portfolio on a quarterly basis for indications of impairment. This review includes analyzing the length of time and the extent to which the fair value has been lower than the cost, the market liquidity for the investment, the financial condition and near-term prospects of the issuer, including any specific events which may March 31, 2020 March 31, 2020 not March 31, 2020 not may A summary of securities available for sale at March 31, 2020 December 31, 2019 (Dollars in thousands) Amortized cost Gross unrealized gains Gross unrealized losses Fair value March 31, 2020 Mortgage-backed securities: Federal National Mortgage Association (FNMA) $ 44,499 1,269 0 45,768 Federal Home Loan Mortgage Corporation (FHLMC) 7,499 248 0 7,747 Collateralized mortgage obligations: FNMA 162 10 0 172 52,160 1,527 0 53,687 Other marketable securities: U.S. Government agency obligations 45,080 478 0 45,558 Municipal obligations 1,092 4 0 1,096 Corporate obligations 73 0 0 73 Corporate preferred stock 700 0 (175 ) 525 46,945 482 (175 ) 47,252 $ 99,105 2,009 (175 ) 100,939 (Dollars in thousands) Amortized cost Gross unrealized gains Gross unrealized losses Fair value December 31, 2019 Mortgage-backed securities: FNMA $ 46,604 47 (65 ) 46,586 FHLMC 8,004 88 0 8,092 Collateralized mortgage obligations: FNMA 169 4 0 173 54,777 139 (65 ) 54,851 Other marketable securities: U.S. Government agency obligations 49,974 39 (21 ) 49,992 Municipal obligations 1,969 7 0 1,976 Corporate obligations 108 0 0 108 Corporate preferred stock 700 0 (35 ) 665 52,751 46 (56 ) 52,741 $ 107,528 185 (121 ) 107,592 The following table indicates amortized cost and estimated fair value of securities available for sale at March 31, 2020 (Dollars in thousands) Amortized Cost Fair Value Due less than one year $ 46,906 47,594 Due after one year through five years 37,624 38,539 Due after five years through ten years 13,469 13,863 Due after ten years 1,106 943 Total $ 99,105 100,939 The allocation of mortgage-backed securities in the table above is based upon the anticipated future cash flow of the securities using estimated mortgage prepayment speeds. The allocation of other marketable securities that have call features is based on the anticipated cash flows to the expected call date if it is anticipated that the security will be called, or to the maturity date if it is not

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	( 8 ) Loans Receivable, Net A summary of loans receivable at March 31, 2020 December 31, 2019 (Dollars in thousands) March 31, 2020 December 31, 2019 Single family $ 125,141 120,064 Commercial real estate: Real estate rental and leasing 201,847 192,502 Other 161,712 157,693 363,559 350,195 Consumer 68,080 69,949 Commercial business 69,485 64,227 Total loans 626,265 604,435 Less: Unamortized discounts 15 15 Net deferred loan costs (431 ) (536 ) Allowance for loan losses 9,036 8,564 Total loans receivable, net $ 617,645 596,392

Note 9 - Allowance for Loan Los

Note 9 - Allowance for Loan Losses and Credit Quality Information	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Allowance For Loan Losses And Credit Quality Information [Text Block]	( 9 ) Allowance for Loan Losses and Credit Quality Information The allowance for loan losses is summarized as follows: (Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total Balance, December 31, 2019 $ 857 5,060 1,507 1,140 8,564 Provision for losses 80 479 87 (186 ) 460 Charge-offs 0 0 (12 ) 0 (12 ) Recoveries 0 0 1 23 24 Balance, March 31, 2020 $ 937 5,539 1,583 977 9,036 Balance, December 31, 2018 $ 833 4,869 1,622 1,362 8,686 Provision for losses 100 13 3 (89 ) 27 Charge-offs 0 0 (39 ) (43 ) (82 ) Recoveries 0 10 2 30 42 Balance, March 31, 2019 $ 933 4,892 1,588 1,260 8,673 Allocated to: Specific reserves $ 62 451 119 93 725 General reserves 795 4,609 1,388 1,047 7,839 Balance, December 31, 2019 $ 857 5,060 1,507 1,140 8,564 Allocated to: Specific reserves $ 46 443 120 38 647 General reserves 891 5,096 1,463 939 8,389 Balance, March 31, 2020 $ 937 5,539 1,583 977 9,036 Loans receivable at December 31, 2019: Individually reviewed for impairment $ 974 1,166 976 735 3,851 Collectively reviewed for impairment 119,090 349,029 68,973 63,492 600,584 Ending balance $ 120,064 350,195 69,949 64,227 604,435 Loans receivable at March 31, 2020: Individually reviewed for impairment $ 1,003 1,703 802 131 3,639 Collectively reviewed for impairment 124,138 361,856 67,278 69,354 622,626 Ending balance $ 125,141 363,559 68,080 69,485 626,265 The following table summarizes the amount of classified and unclassified loans at March 31, 2020 December 31, 2019: March 31, 2020 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 1,371 1,728 34 0 3,133 122,008 125,141 Commercial real estate: Real estate rental and leasing 5,197 9,034 0 0 14,231 187,616 201,847 Other 6,399 5,473 0 0 11,872 149,840 161,712 Consumer 0 667 74 61 802 67,278 68,080 Commercial business 6,553 1,758 0 0 8,311 61,174 69,485 $ 19,520 18,660 108 61 38,349 587,916 626,265 December 31, 2019 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 1,118 1,765 35 0 2,918 117,146 120,064 Commercial real estate: Real estate rental and leasing 3,489 9,114 0 0 12,603 179,899 192,502 Other 4,451 5,253 0 0 9,704 147,989 157,693 Consumer 0 842 69 65 976 68,973 69,949 Commercial business 5,710 2,516 0 0 8,226 56,001 64,227 $ 14,768 19,490 104 65 34,427 570,008 604,435 Classified loans represent special mention, substandard (performing and non-performing), and non-performing loans categorized as doubtful and loss. Loans classified as special mention are loans that have potential weaknesses that, if left uncorrected, may not may not The aging of past due loans at March 31, 2020 December 31, 2019 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Loans Total Loans Loans 90 Days or More Past Due and Still Accruing March 31, 2020 Single family $ 1,124 206 91 1,421 123,720 125,141 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 201,847 201,847 0 Other 0 96 265 361 161,351 161,712 0 Consumer 294 80 107 481 67,599 68,080 0 Commercial business 11 11 0 22 69,463 69,485 0 $ 1,429 393 463 2,285 623,980 626,265 0 December 31, 201 9 Single family $ 786 77 59 922 119,142 120,064 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 192,502 192,502 0 Other 0 0 0 0 157,693 157,693 0 Consumer 527 31 206 764 69,185 69,949 0 Commercial business 147 13 550 710 63,517 64,227 0 $ 1,460 121 815 2,396 602,039 604,435 0 Impaired loans include loans that are non-performing (non-accruing) and loans that have been modified in a troubled debt restructuring (TDR). The following table summarizes impaired loans and related allowances as of March 31, 2020 December 31, 2019: March 31, 2020 December 31, 2019 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 583 602 0 544 563 0 Commercial real estate: Other 557 557 0 0 0 0 Consumer 606 606 0 781 781 0 Loans with an allowance recorded: Single family 420 420 46 430 430 62 Commercial real estate: Real estate rental and leasing 179 179 6 184 184 16 Other 967 967 437 982 982 435 Consumer 196 196 120 195 195 119 Commercial business 131 683 38 735 1,287 93 Total: Single family 1,003 1,022 46 974 993 62 Commercial real estate: Real estate rental and leasing 179 179 6 184 184 16 Other 1,524 1,524 437 982 982 435 Consumer 802 802 120 976 976 119 Commercial business 131 683 38 735 1,287 93 $ 3,639 4,210 647 3,851 4,422 725 The following table summarizes the average recorded investment and interest income recognized on impaired loans during the three March 31, 2020 2019: March 31, 2020 March 31, 2019 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 564 5 448 4 Commercial real estate: Other 279 2 25 30 Consumer 694 5 449 2 Loans with an allowance recorded: Single family 425 6 789 3 Commercial real estate: Real estate rental and leasing 182 0 200 0 Other 975 20 1,069 0 Consumer 196 2 290 3 Commercial business 433 2 325 1 Total: Single family 989 11 1,237 7 Commercial real estate: Real estate rental and leasing 182 0 200 0 Other 1,254 22 1,094 30 Consumer 890 7 739 5 Commercial business 433 2 325 1 $ 3,748 42 3,595 43 At March 31, 2020 December 31, 2019, $1.9 $2.1 $0.1 $0.2, no $1.2 $0.8 March 31, 2020 December 31, 2019, The non-accrual loans at March 31, 2020 December 31, 2019 (Dollars in thousands) March 31, 2020 December 31, 2019 Single family $ 647 $ 617 Commercial real estate: Real estate rental and leasing 179 184 Other 557 0 Consumer 491 659 Commercial business 40 621 $ 1,914 $ 2,081 At March 31, 2020 December 31, 2019, $2.7 $2.5 first 2020, none $0.4 March 31, 2020. first 2019 not The following table summarizes TDRs at March 31, 2020 December 31, 2019: March 31, 2020 December, 31, 2019 (Dollars in thousands) Accruing Non-Accrual Total Accruing Non-Accrual Total Single family $ 357 271 628 357 266 623 Commercial real estate 966 292 1,258 983 0 983 Consumer 311 420 731 316 429 745 Commercial business 91 0 91 114 0 114 $ 1,725 983 2,708 1,770 695 2,465 As of March 31, 2020, $1.0 75%. December 31, 2019, $0.8 TDR concessions can include reduction of interest rates, extension of maturity dates, forgiveness of principal and/or interest due, or acceptance of real estate or other assets in full or partial satisfaction of the debt. Loan modifications are not twelve twelve When a loan is modified in a TDR, there may may three March 31, 2020 March 31, 2019. Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 (Dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Single family 1 $ 94 101 1 $ 21 24 Commercial real estate: Other 2 293 293 0 0 0 Consumer 0 0 0 2 26 26 Total 3 $ 387 394 3 $ 47 50 There were no twelve March 31, 2020 March 31, 2019 three March 31, 2020 March 31, 2019. The Company considers a loan to have defaulted when it becomes 90 six six may TDRs are reviewed for impairment following the same methodology as other impaired loans. For loans that are collateral-dependent, the value of the collateral is reviewed and additional reserves may not may $0.6 6.8%, $9.0 March 31, 2020 $0.6 7.2%, $8.6 December 31, 2019. In the first 2020 six 19. Interagency Statement on Loan Modification and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus April 7, 2020, not not may March 31, 2020, (Dollars in thousands) Balance Commercial loans by industry: Hotels $ 48,410 Theaters 9,619 Restaurant/Bar 3,974 Retail/Office 4,623 Other 9,138 Total commercial loans 75,764 Consumer loans by collateral type: Single family 2,575 Other consumer 300 Total consumer loans 2,875 Total deferred loans $ 78,639

Note 10 - Intangible Assets

Note 10 - Intangible Assets	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Intangible Assets Disclosure [Text Block]	( 1 0 ) Intangible Assets The Company’s intangible assets consist of core deposit intangibles, goodwill, and mortgage servicing rights. A summary of mortgage servicing activity is as follows: (Dollars in thousands) Three Months ended March 31, 2020 Twelve Months ended December 31, 2019 Three Months ended March 31, 2019 Balance, beginning of period $ 2,172 1,855 1,855 Originations 262 1,097 116 Amortization (228 ) (780 ) (140 ) Balance, end of period $ 2,206 2,172 1,831 Fair value of mortgage servicing rights $ 2,745 3,390 3,702 All of the loans sold where the Company continues to service the loans are serviced for FNMA under the individual loan sale program. The following is a summary of the risk characteristics of the loans being serviced for FNMA at March 31, 2020: Weighted Weighted Loan Average Average Principal Interest Remaining Number (Dollars in thousands) Balance Rate Term (months) of Loans Original term 30 year fixed rate $ 335,718 4.06 % 308 2,457 Original term 15 year fixed rate 96,149 3.20 132 955 Adjustable rate 40 4.63 254 2 The gross carrying amount of intangible assets and the associated accumulated amortization at March 31, 2020 December 31, 2019 $0.3 $0.2 three March 31, 2020 December 31, 2019, March 31, 2020 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,032 (2,826 ) 2,206 Core deposit intangible 574 (443 ) 131 Goodwill 802 0 802 Total $ 6,408 (3,269 ) 3,139 December 31, 2019 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 4,968 (2,796 ) 2,172 Core deposit intangible 574 (418 ) 156 Goodwill 802 0 802 Total $ 6,344 (3,214 ) 3,130 The following table indicates the estimated future amortization expense for intangible assets: (Dollars in thousands) Mortgage Servicing Rights Core Deposit Intangible Total Intangible Assets Year ending December 31, 2020 $ 390 74 464 2021 477 47 524 2022 424 10 434 2023 356 0 356 2024 278 0 278 Thereafter 281 0 281 Total $ 2,206 131 2,337 No not may March 31, 2020 not no March 31, 2020. Projections of amortization are based on existing asset balances and the existing interest rate environment as of March 31, 2020. may

Note 11 - Leases

Note 11 - Leases	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	( 11 Leases On January 1, 2019, ASU 2016 02, 842 $4.5 Operating lease right-of-use assets represent the Company’s right to use an underlying asset during the lease term and operating lease liabilities represent its obligation to make lease payments arising from the lease. Right-of-use assets and operating lease liabilities are recognized at lease commencement based on the present value of the remaining lease payments using a discount rate that represents the Company’s incremental borrowing rate at the lease commencement date. Because the Company only has operating leases and the right-of-use asset is offset by a lease payment obligation liability, the lease payments are the only amount that is recorded in occupancy expense in the consolidated statements of comprehensive income. The Company’s leases relate to office space and bank branches with remaining lease terms between three seven three ten not not March 31, 2020, $3.8 three March 31, 2020 March 31, 2019 $0.2 The table below summarizes other information related to the Company’s operating leases: (Dollars in thousands) Three Months Ended Three Months Ended Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 222 225 Weighted-average remaining lease term – operating leases, in years 4.5 5.4 Weighted-average discount rate – operating leases 2.19 % 2.60 % The table below summarizes the maturity of remaining lease liabilities at March 31, 2020: (Dollars in thousands) March 31, 2020 2020 $ 665 2021 897 2022 932 2023 807 2024 729 2025 and thereafter 15 Total lease payments 4,045 Less: Interest (199 ) Present value of lease liabilities $ 3,846

Note 12 - Earnings Per Common S

Note 12 - Earnings Per Common Share	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	( 1 2 ) Earnings per Common Share The following table reconciles the weighted average shares outstanding and the earnings available to common shareholders used for basic and diluted earnings per common share: Three months ended March 31, March 31, (Dollars in thousands, except per share data) 2020 2019 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,625,908 4,598,234 Net dilutive effect of: Restricted stock awards and options 27,718 28,503 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,653,626 4,626,737 Income available to common shareholders $ 1,385 1,620 Basic earnings per common share $ 0.30 0.35 Diluted earnings per common share $ 0.30 0.35

Note 13 - Regulatory Capital an

Note 13 - Regulatory Capital and Oversight	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	( 1 3 ) Regulatory Capital and Oversight The Company and the Bank are subject to the Basel III regulatory capital requirements. The Basel III requirements, among other things, (i) apply a set of capital requirements to the Bank (the Company is exempt, pursuant to the Small Bank Holding Company Policy Statement (Policy Statement) described below), including requirements relating to common equity as a component of core capital, (ii) implement a “capital conservation buffer” against risk and a higher minimum Tier 1 January 1, 2019. The Board of Governors of the Federal Reserve System amended its Policy Statement, to exempt small bank holding companies with assets less than $3 Quantitative measures established by regulations to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table and defined in the regulation) of Common Equity Tier 1 1 1 The Bank’s average total assets for the first 2020 $776.7 $775.8 $643.7 March 31, 2020 Actual Required to be Adequately Capitalized Excess Capital To Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) March 31, 2020 Common equity Tier 1 capital $ 85,074 13.22 % $ 28,967 4.50 % $ 56,107 8.72 % $ 41,841 6.50 % Tier 1 leverage 85,074 10.97 31,033 4.00 54,041 6.97 38,791 5.00 Tier 1 risk-based capital 85,074 13.22 38,623 6.00 46,451 7.22 51,497 8.00 Total risk-based capital 93,132 14.47 51,497 8.00 41,635 6.47 64,371 10.00 ( 1 1 The Bank must maintain a capital conservation buffer composed of common equity Tier 1 January 1, 2019, 2.50% March 31, 2020, no

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	( 1 4 ) Stockholders’ Equity The Company may $6 not 20,000 $0.4 first 2020. 19 no second 2020.

Note 15 - Commitments and Conti

Note 15 - Commitments and Contingencies	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	( 1 5 ) Commitments and Contingencies The Bank issues standby letters of credit which guarantee the performance of customers to third March 31, 2020 $2.3 29 may not From time to time, the Company is party to legal proceedings arising out of its lending and deposit operations. The Company is, and expects to become, engaged in foreclosure proceedings, collection actions, and other litigation as part of its normal banking activities. Among the various current litigation matters, the Company is involved in a bankruptcy litigation claim where the bankruptcy trustee is attempting to recover $3.8 The Company examines each legal matter, and, in those situations where it determines that a particular legal matter presents loss contingencies that are both probable and reasonably estimable, establishes an appropriate accrual. In many situations, the Company is not $0 $1.0 not may may Based on the Company’s current understanding of all of the outstanding legal matters, management does not

Note 16 - Business Segments

Note 16 - Business Segments	3 Months Ended
	Mar. 31, 2020
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	( 1 6 ) Business Segments The Bank has been identified as a reportable operating segment in accordance with the provisions of ASC 280. not The Company evaluates performance and allocates resources based on the segment’s net income, return on average assets and return on average equity. Each corporation is managed separately with its own officers and board of directors. The following table sets forth certain information about the reconciliations of reported profit and assets for each of the Company’s reportable segments. (Dollars in thousands) Home Federal Savings Bank Other Eliminations Consolidated Total At or for the quarter ended March 31, 20 20 : Interest income - external customers $ 7,844 0 0 7,844 Non-interest income - external customers 2,471 0 0 2,471 Intersegment interest income 0 15 (15 ) 0 Intersegment non-interest income 59 1,524 (1,583 ) 0 Interest expense 907 0 (15 ) 892 Provision for loan losses 460 0 0 460 Non-interest expense 6,874 186 (59 ) 7,001 Income tax expense (benefit) 609 (32 ) 0 577 Net income 1,524 1,385 (1,524 ) 1,385 Total assets 783,615 95,197 (94,612 ) 784,200 At or for the quarter ended March 31, 2019: Interest income - external customers $ 7,732 0 0 7,732 Non-interest income - external customers 1,691 0 0 1,691 Intersegment non-interest income 59 1,762 (1,821 ) 0 Interest expense 690 0 0 690 Provision for loan losses 27 0 0 27 Non-interest expense 6,332 173 (59 ) 6,446 Income tax expense (benefit) 671 (31 ) 0 640 Net income 1,762 1,620 (1,762 ) 1,620 Total assets 721,736 85,546 (84,537 ) 722,745

Note 4 - Fair Value Measureme_2

Note 4 - Fair Value Measurements (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Carrying value at March 31, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 100,939 0 100,939 0 Equity securities 110 0 110 0 Mortgage loan commitments 522 0 522 0 Total $ 101,571 0 101,571 0 Carrying value at December 31, 2019 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 107,592 0 107,592 0 Equity securities 167 0 167 0 Mortgage loan commitments 14 0 14 0 Total $ 107,773 0 107,773 0
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying value at March 31, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three months ended March 31, 2020 Total gains Loans held for sale $ 4,884 0 4,884 0 64 Mortgage servicing rights, net 2,206 0 2,206 0 0 Impaired loans (1) 2,990 0 2,990 0 29 Real estate, net (2) 683 0 683 0 0 Total $ 10,763 0 10,763 0 93 Carrying value at December 31, 2019 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year ended December 31, 2019 Total losses Loans held for sale $ 3,606 0 3,606 0 (40 ) Mortgage servicing rights, net 2,172 0 2,172 0 0 Impaired loans (1) 3,126 0 3,126 0 (28 ) Real estate, net (2) 580 0 580 0 0 Total $ 9,484 0 9,484 0 (68 )

Note 5 - Fair Value of Financ_2

Note 5 - Fair Value of Financial Instruments (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	March 31, 2020 December 31, 2019 Fair value hierarchy Fair value hierarchy (Dollars in thousands) Carrying amount Estimated fair value Level 1 Level 2 Level 3 Contract amount Carrying amount Estimated fair value Level 1 Level 2 Level 3 Contract amount Financial assets: Cash and cash equivalents $ 35,744 35,744 35,744 44,399 44,399 44,399 Securities available for sale 100,939 100,939 100,939 107,592 107,592 107,592 Equity securities 110 110 110 167 167 167 Loans held for sale 4,884 4,884 4,884 3,606 3,606 3,606 Loans receivable, net 617,645 631,431 631,431 596,392 600,863 600,863 Federal Home Loan Bank stock 932 932 932 854 854 854 Accrued interest receivable 2,236 2,236 2,236 2,251 2,251 2,251 Financial liabilities: Deposits 677,519 678,952 678,952 673,870 673,945 673,945 Accrued interest payable 344 344 344 420 420 420 Off-balance sheet finacial Commitments to extend credit 522 522 210,676 14 14 178,804 Commitments to sell loans (81 ) (81 ) 66,668 (16 ) (16 ) 10,098

Note 6 - Other Comprehensive _2

Note 6 - Other Comprehensive Income (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Comprehensive Income (Loss) [Table Text Block]	For the period ended March 31, (Dollars in thousands) 2020 2019 Securities available for sale: Before tax Tax effect Net of tax Before tax Tax effect Net of tax Net unrealized gains arising during the period $ 1,770 495 1,275 671 187 484 Other comprehensive income $ 1,770 495 1,275 671 187 484

Note 7 - Securities Available_2

Note 7 - Securities Available for Sale (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Unrealized Loss on Investments [Table Text Block]	Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses March 31, 2020 Other marketable securities: Corporate preferred stock 0 $ 0 0 1 $ 525 (175 ) $ 525 (175 ) Total temporarily impaired securities 0 $ 0 0 1 $ 525 (175 ) $ 525 (175 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2019 Mortgage backed securities: FNMA 4 $ 12,143 (65 ) 0 $ 0 0 $ 12,143 (65 ) Other marketable securities: U.S. Government agency obligations 0 0 0 4 19,972 (21 ) 19,972 (21 ) Corporate preferred stock 0 0 0 1 665 (35 ) 665 (35 ) Total temporarily impaired securities 4 $ 12,143 (65 ) 5 $ 20,637 (56 ) $ 32,780 (121 )
Available-for-sale Securities [Table Text Block]	(Dollars in thousands) Amortized cost Gross unrealized gains Gross unrealized losses Fair value March 31, 2020 Mortgage-backed securities: Federal National Mortgage Association (FNMA) $ 44,499 1,269 0 45,768 Federal Home Loan Mortgage Corporation (FHLMC) 7,499 248 0 7,747 Collateralized mortgage obligations: FNMA 162 10 0 172 52,160 1,527 0 53,687 Other marketable securities: U.S. Government agency obligations 45,080 478 0 45,558 Municipal obligations 1,092 4 0 1,096 Corporate obligations 73 0 0 73 Corporate preferred stock 700 0 (175 ) 525 46,945 482 (175 ) 47,252 $ 99,105 2,009 (175 ) 100,939 (Dollars in thousands) Amortized cost Gross unrealized gains Gross unrealized losses Fair value December 31, 2019 Mortgage-backed securities: FNMA $ 46,604 47 (65 ) 46,586 FHLMC 8,004 88 0 8,092 Collateralized mortgage obligations: FNMA 169 4 0 173 54,777 139 (65 ) 54,851 Other marketable securities: U.S. Government agency obligations 49,974 39 (21 ) 49,992 Municipal obligations 1,969 7 0 1,976 Corporate obligations 108 0 0 108 Corporate preferred stock 700 0 (35 ) 665 52,751 46 (56 ) 52,741 $ 107,528 185 (121 ) 107,592
Available-for-sale Securities [Member]
Notes Tables
Contractual Obligation, Fiscal Year Maturity [Table Text Block]	(Dollars in thousands) Amortized Cost Fair Value Due less than one year $ 46,906 47,594 Due after one year through five years 37,624 38,539 Due after five years through ten years 13,469 13,863 Due after ten years 1,106 943 Total $ 99,105 100,939

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Summary of Loans Receivable [Table Text Block]	(Dollars in thousands) March 31, 2020 December 31, 2019 Single family $ 125,141 120,064 Commercial real estate: Real estate rental and leasing 201,847 192,502 Other 161,712 157,693 363,559 350,195 Consumer 68,080 69,949 Commercial business 69,485 64,227 Total loans 626,265 604,435 Less: Unamortized discounts 15 15 Net deferred loan costs (431 ) (536 ) Allowance for loan losses 9,036 8,564 Total loans receivable, net $ 617,645 596,392

Note 9 - Allowance for Loan L_2

Note 9 - Allowance for Loan Losses and Credit Quality Information (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total Balance, December 31, 2019 $ 857 5,060 1,507 1,140 8,564 Provision for losses 80 479 87 (186 ) 460 Charge-offs 0 0 (12 ) 0 (12 ) Recoveries 0 0 1 23 24 Balance, March 31, 2020 $ 937 5,539 1,583 977 9,036 Balance, December 31, 2018 $ 833 4,869 1,622 1,362 8,686 Provision for losses 100 13 3 (89 ) 27 Charge-offs 0 0 (39 ) (43 ) (82 ) Recoveries 0 10 2 30 42 Balance, March 31, 2019 $ 933 4,892 1,588 1,260 8,673 Allocated to: Specific reserves $ 62 451 119 93 725 General reserves 795 4,609 1,388 1,047 7,839 Balance, December 31, 2019 $ 857 5,060 1,507 1,140 8,564 Allocated to: Specific reserves $ 46 443 120 38 647 General reserves 891 5,096 1,463 939 8,389 Balance, March 31, 2020 $ 937 5,539 1,583 977 9,036 Loans receivable at December 31, 2019: Individually reviewed for impairment $ 974 1,166 976 735 3,851 Collectively reviewed for impairment 119,090 349,029 68,973 63,492 600,584 Ending balance $ 120,064 350,195 69,949 64,227 604,435 Loans receivable at March 31, 2020: Individually reviewed for impairment $ 1,003 1,703 802 131 3,639 Collectively reviewed for impairment 124,138 361,856 67,278 69,354 622,626 Ending balance $ 125,141 363,559 68,080 69,485 626,265
Financing Receivable Credit Quality Indicators [Table Text Block]	March 31, 2020 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 1,371 1,728 34 0 3,133 122,008 125,141 Commercial real estate: Real estate rental and leasing 5,197 9,034 0 0 14,231 187,616 201,847 Other 6,399 5,473 0 0 11,872 149,840 161,712 Consumer 0 667 74 61 802 67,278 68,080 Commercial business 6,553 1,758 0 0 8,311 61,174 69,485 $ 19,520 18,660 108 61 38,349 587,916 626,265 December 31, 2019 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 1,118 1,765 35 0 2,918 117,146 120,064 Commercial real estate: Real estate rental and leasing 3,489 9,114 0 0 12,603 179,899 192,502 Other 4,451 5,253 0 0 9,704 147,989 157,693 Consumer 0 842 69 65 976 68,973 69,949 Commercial business 5,710 2,516 0 0 8,226 56,001 64,227 $ 14,768 19,490 104 65 34,427 570,008 604,435
Financing Receivable, Past Due [Table Text Block]	(Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Loans Total Loans Loans 90 Days or More Past Due and Still Accruing March 31, 2020 Single family $ 1,124 206 91 1,421 123,720 125,141 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 201,847 201,847 0 Other 0 96 265 361 161,351 161,712 0 Consumer 294 80 107 481 67,599 68,080 0 Commercial business 11 11 0 22 69,463 69,485 0 $ 1,429 393 463 2,285 623,980 626,265 0 December 31, 201 9 Single family $ 786 77 59 922 119,142 120,064 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 192,502 192,502 0 Other 0 0 0 0 157,693 157,693 0 Consumer 527 31 206 764 69,185 69,949 0 Commercial business 147 13 550 710 63,517 64,227 0 $ 1,460 121 815 2,396 602,039 604,435 0
Impaired Financing Receivables [Table Text Block]	March 31, 2020 December 31, 2019 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 583 602 0 544 563 0 Commercial real estate: Other 557 557 0 0 0 0 Consumer 606 606 0 781 781 0 Loans with an allowance recorded: Single family 420 420 46 430 430 62 Commercial real estate: Real estate rental and leasing 179 179 6 184 184 16 Other 967 967 437 982 982 435 Consumer 196 196 120 195 195 119 Commercial business 131 683 38 735 1,287 93 Total: Single family 1,003 1,022 46 974 993 62 Commercial real estate: Real estate rental and leasing 179 179 6 184 184 16 Other 1,524 1,524 437 982 982 435 Consumer 802 802 120 976 976 119 Commercial business 131 683 38 735 1,287 93 $ 3,639 4,210 647 3,851 4,422 725 March 31, 2020 March 31, 2019 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 564 5 448 4 Commercial real estate: Other 279 2 25 30 Consumer 694 5 449 2 Loans with an allowance recorded: Single family 425 6 789 3 Commercial real estate: Real estate rental and leasing 182 0 200 0 Other 975 20 1,069 0 Consumer 196 2 290 3 Commercial business 433 2 325 1 Total: Single family 989 11 1,237 7 Commercial real estate: Real estate rental and leasing 182 0 200 0 Other 1,254 22 1,094 30 Consumer 890 7 739 5 Commercial business 433 2 325 1 $ 3,748 42 3,595 43
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) March 31, 2020 December 31, 2019 Single family $ 647 $ 617 Commercial real estate: Real estate rental and leasing 179 184 Other 557 0 Consumer 491 659 Commercial business 40 621 $ 1,914 $ 2,081
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	March 31, 2020 December, 31, 2019 (Dollars in thousands) Accruing Non-Accrual Total Accruing Non-Accrual Total Single family $ 357 271 628 357 266 623 Commercial real estate 966 292 1,258 983 0 983 Consumer 311 420 731 316 429 745 Commercial business 91 0 91 114 0 114 $ 1,725 983 2,708 1,770 695 2,465
Financial Effects of Troubled Debt Restructurings and Difference Between Outstanding Recorded Balance Pre Modification and Post Modification [Table Text Block]	Three Months Ended March 31, 2020 Three Months Ended March 31, 2019 (Dollars in thousands) Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Number of Contracts Pre-Modification Outstanding Recorded Investment Post-Modification Outstanding Recorded Investment Troubled debt restructurings: Single family 1 $ 94 101 1 $ 21 24 Commercial real estate: Other 2 293 293 0 0 0 Consumer 0 0 0 2 26 26 Total 3 $ 387 394 3 $ 47 50
Schedule of Deferred Loans [Table Text Block]	(Dollars in thousands) Balance Commercial loans by industry: Hotels $ 48,410 Theaters 9,619 Restaurant/Bar 3,974 Retail/Office 4,623 Other 9,138 Total commercial loans 75,764 Consumer loans by collateral type: Single family 2,575 Other consumer 300 Total consumer loans 2,875 Total deferred loans $ 78,639

Note 10 - Intangible Assets (Ta

Note 10 - Intangible Assets (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Servicing Liability at Amortized Cost [Table Text Block]	(Dollars in thousands) Three Months ended March 31, 2020 Twelve Months ended December 31, 2019 Three Months ended March 31, 2019 Balance, beginning of period $ 2,172 1,855 1,855 Originations 262 1,097 116 Amortization (228 ) (780 ) (140 ) Balance, end of period $ 2,206 2,172 1,831 Fair value of mortgage servicing rights $ 2,745 3,390 3,702
Summary of Risk Characteristics of Loans Being Serviced [Table Text Block]	Weighted Weighted Loan Average Average Principal Interest Remaining Number (Dollars in thousands) Balance Rate Term (months) of Loans Original term 30 year fixed rate $ 335,718 4.06 % 308 2,457 Original term 15 year fixed rate 96,149 3.20 132 955 Adjustable rate 40 4.63 254 2
Schedule of Finite-Lived Intangible Assets [Table Text Block]	March 31, 2020 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,032 (2,826 ) 2,206 Core deposit intangible 574 (443 ) 131 Goodwill 802 0 802 Total $ 6,408 (3,269 ) 3,139 December 31, 2019 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 4,968 (2,796 ) 2,172 Core deposit intangible 574 (418 ) 156 Goodwill 802 0 802 Total $ 6,344 (3,214 ) 3,130
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	(Dollars in thousands) Mortgage Servicing Rights Core Deposit Intangible Total Intangible Assets Year ending December 31, 2020 $ 390 74 464 2021 477 47 524 2022 424 10 434 2023 356 0 356 2024 278 0 278 Thereafter 281 0 281 Total $ 2,206 131 2,337

Note 11 - Leases (Tables)

Note 11 - Leases (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Other Information Related to Operating Leases [Table Text Block]	(Dollars in thousands) Three Months Ended Three Months Ended Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 222 225 Weighted-average remaining lease term – operating leases, in years 4.5 5.4 Weighted-average discount rate – operating leases 2.19 % 2.60 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	(Dollars in thousands) March 31, 2020 2020 $ 665 2021 897 2022 932 2023 807 2024 729 2025 and thereafter 15 Total lease payments 4,045 Less: Interest (199 ) Present value of lease liabilities $ 3,846

Note 12 - Earnings Per Common_2

Note 12 - Earnings Per Common Share (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three months ended March 31, March 31, (Dollars in thousands, except per share data) 2020 2019 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,625,908 4,598,234 Net dilutive effect of: Restricted stock awards and options 27,718 28,503 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,653,626 4,626,737 Income available to common shareholders $ 1,385 1,620 Basic earnings per common share $ 0.30 0.35 Diluted earnings per common share $ 0.30 0.35

Note 13 - Regulatory Capital _2

Note 13 - Regulatory Capital and Oversight (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Required to be Adequately Capitalized Excess Capital To Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) March 31, 2020 Common equity Tier 1 capital $ 85,074 13.22 % $ 28,967 4.50 % $ 56,107 8.72 % $ 41,841 6.50 % Tier 1 leverage 85,074 10.97 31,033 4.00 54,041 6.97 38,791 5.00 Tier 1 risk-based capital 85,074 13.22 38,623 6.00 46,451 7.22 51,497 8.00 Total risk-based capital 93,132 14.47 51,497 8.00 41,635 6.47 64,371 10.00

Note 16 - Business Segments (Ta

Note 16 - Business Segments (Tables)	3 Months Ended
	Mar. 31, 2020
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	(Dollars in thousands) Home Federal Savings Bank Other Eliminations Consolidated Total At or for the quarter ended March 31, 20 20 : Interest income - external customers $ 7,844 0 0 7,844 Non-interest income - external customers 2,471 0 0 2,471 Intersegment interest income 0 15 (15 ) 0 Intersegment non-interest income 59 1,524 (1,583 ) 0 Interest expense 907 0 (15 ) 892 Provision for loan losses 460 0 0 460 Non-interest expense 6,874 186 (59 ) 7,001 Income tax expense (benefit) 609 (32 ) 0 577 Net income 1,524 1,385 (1,524 ) 1,385 Total assets 783,615 95,197 (94,612 ) 784,200 At or for the quarter ended March 31, 2019: Interest income - external customers $ 7,732 0 0 7,732 Non-interest income - external customers 1,691 0 0 1,691 Intersegment non-interest income 59 1,762 (1,821 ) 0 Interest expense 690 0 0 690 Provision for loan losses 27 0 0 27 Non-interest expense 6,332 173 (59 ) 6,446 Income tax expense (benefit) 671 (31 ) 0 640 Net income 1,762 1,620 (1,762 ) 1,620 Total assets 721,736 85,546 (84,537 ) 722,745

Note 1 - HMN Financial, Inc. (D

Note 1 - HMN Financial, Inc. (Details Textual)	3 Months Ended
	Mar. 31, 2020
Percentage Of Ownership In Subsidiaries	100.00%
Number of Wholly Owned Subsidiaries	2

Note 4 - Fair Value Measureme_3

Note 4 - Fair Value Measurements - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Securities available for sale	$ 100,939	$ 107,592
Equity securities	110	$ 167
Fair Value, Recurring [Member]
Securities available for sale	100,939		$ 107,592
Equity securities	110		167
Mortgage loan commitments	522		14
Total	101,571		107,773
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]
Securities available for sale	0		0
Equity securities	0		0
Mortgage loan commitments	0		0
Total	0		0
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]
Securities available for sale	100,939		107,592
Equity securities	110		167
Mortgage loan commitments	522		14
Total	101,571		107,773
Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]
Securities available for sale	0		0
Equity securities	0		0
Mortgage loan commitments	0		0
Total	$ 0		$ 0

Note 4 - Fair Value Measureme_4

Note 4 - Fair Value Measurements - Assets Measured at Fair Value on Nonrecurring Basis (Details) - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2020	Dec. 31, 2019
Loans held for sale, Total gains (losses)		$ 64	$ (40)
Real estate, net(2), Total gains (losses)	[1]	0	0
Total, Total gains (losses)		93	(68)
Fair Value, Nonrecurring [Member]
Loans held for sale		4,884	3,606
Mortgage servicing rights, net		2,206	2,172
Mortgage servicing rights, net, Total gains (losses)		0	0
Impaired loans(1)	[2]	2,990	3,126
Impaired loans(1), Total gains (losses)	[2]	29	(28)
Real estate, net(2)	[1]	683	580
Total		10,763	9,484
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale		0	0
Mortgage servicing rights, net		0	0
Impaired loans(1)	[2]	0	0
Real estate, net(2)	[1]	0	0
Total		0	0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale		4,884	3,606
Mortgage servicing rights, net		2,206	2,172
Impaired loans(1)	[2]	2,990	3,126
Real estate, net(2)	[1]	683	580
Total		10,763	9,484
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale		0	0
Mortgage servicing rights, net		0	0
Impaired loans(1)	[2]	0	0
Real estate, net(2)	[1]	0	0
Total		$ 0	$ 0
[1]	Represents the fair value and related losses of foreclosed real estate and other collateral owned that were measured at fair value subsequent to their initial classification as foreclosed assets.
[2]	Represents carrying value and related write-downs of loans for which adjustments are based on the appraised value of the collateral. The carrying value of loans fully charged-off is zero.

Note 5 - Fair Value of Financ_3

Note 5 - Fair Value of Financial Instruments - Estimated Fair Value of Company's Financial Instruments (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Financial assets:
Securities available for sale	$ 100,939	$ 107,592
Equity securities	110	167
Loans receivable, net	617,645	596,392
Reported Value Measurement [Member]
Financial assets:
Cash and cash equivalents	35,744	44,399
Securities available for sale	100,939	107,592
Equity securities	110	167
Loans held for sale	4,884	3,606
Loans receivable, net	617,645	596,392
Federal Home Loan Bank stock	932	854
Accrued interest receivable	2,236	2,251
Financial liabilities:
Deposits	677,519	673,870
Accrued interest payable	344	420
Commitments to extend credit	522	14
Commitments to sell loans	(81)	(16)
Estimate of Fair Value Measurement [Member]
Financial assets:
Cash and cash equivalents	35,744	44,399
Securities available for sale	100,939	107,592
Equity securities	110	167
Loans held for sale	4,884	3,606
Loans receivable, net	631,431	600,863
Federal Home Loan Bank stock	932	854
Accrued interest receivable	2,236	2,251
Financial liabilities:
Deposits	678,952	673,945
Accrued interest payable	344	420
Commitments to extend credit	522	14
Commitments to sell loans	(81)	(16)
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Financial assets:
Cash and cash equivalents	35,744	44,399
Securities available for sale
Equity securities
Loans held for sale
Loans receivable, net
Federal Home Loan Bank stock
Accrued interest receivable
Financial liabilities:
Deposits
Accrued interest payable
Commitments to extend credit
Commitments to sell loans
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Financial assets:
Cash and cash equivalents
Securities available for sale	100,939	107,592
Equity securities	110	167
Loans held for sale	4,884	3,606
Loans receivable, net	631,431	600,863
Federal Home Loan Bank stock	932	854
Accrued interest receivable	2,236	2,251
Financial liabilities:
Deposits	678,952	673,945
Accrued interest payable	344	420
Commitments to extend credit
Commitments to sell loans
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
Financial assets:
Cash and cash equivalents
Securities available for sale
Equity securities
Loans held for sale
Loans receivable, net
Federal Home Loan Bank stock
Accrued interest receivable
Financial liabilities:
Deposits
Accrued interest payable
Commitments to extend credit
Commitments to sell loans
Portion at Other than Fair Value Measurement [Member]
Financial assets:
Cash and cash equivalents
Securities available for sale
Equity securities
Loans held for sale
Loans receivable, net
Federal Home Loan Bank stock
Accrued interest receivable
Financial liabilities:
Deposits
Accrued interest payable
Commitments to extend credit	210,676	178,804
Commitments to sell loans	$ 66,668	$ 10,098

Note 6 - Other Comprehensive _3

Note 6 - Other Comprehensive Income (Loss) - Components of Other Comprehensive (Loss) Income and Related Tax Effects (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Other comprehensive income (loss), before tax	$ 1,770	$ 671
Other comprehensive income (loss), tax	495	187
Other comprehensive income, net of tax	$ 1,275	$ 484

Note 7 - Securities Available_3

Note 7 - Securities Available for Sale (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Other-than-temporary Impairment Loss, Debt Securities, Available-for-sale, Total	$ 0

Note 7 - Securities Available_4

Note 7 - Securities Available for Sale - Securities in a Continuous Unrealized Loss Position (Details) $ in Thousands	Mar. 31, 2020USD ($)	Dec. 31, 2019USD ($)
Less Than Twelve Months # of Investments	0	4
Less Than Twelve Months Fair Value	$ 0	$ 12,143
Less Than Twelve Months Unrealized Losses	$ 0	$ (65)
Twelve Months or More # of Investments	1	5
Twelve Months or More Fair Value	$ 525	$ 20,637
Twelve Months or More Unrealized Losses	(175)	(56)
Total Fair Value	525	32,780
Total Unrealized Losses	$ (175)	$ (121)
Other Marketable Securities [Member] | Preferred Stock [Member]
Less Than Twelve Months # of Investments	0	0
Less Than Twelve Months Fair Value	$ 0	$ 0
Less Than Twelve Months Unrealized Losses	$ 0	$ 0
Twelve Months or More # of Investments	1	1
Twelve Months or More Fair Value	$ 525	$ 665
Twelve Months or More Unrealized Losses	(175)	(35)
Total Fair Value	525	665
Total Unrealized Losses	$ (175)	$ (35)
Other Marketable Securities [Member] | US Government Agencies Debt Securities [Member]
Less Than Twelve Months # of Investments		0
Less Than Twelve Months Fair Value		$ 0
Less Than Twelve Months Unrealized Losses		$ 0
Twelve Months or More # of Investments		4
Twelve Months or More Fair Value		$ 19,972
Twelve Months or More Unrealized Losses		(21)
Total Fair Value		19,972
Total Unrealized Losses		$ (21)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Less Than Twelve Months # of Investments		4
Less Than Twelve Months Fair Value		$ 12,143
Less Than Twelve Months Unrealized Losses		$ (65)
Twelve Months or More # of Investments		0
Twelve Months or More Fair Value		$ 0
Twelve Months or More Unrealized Losses		0
Total Fair Value		12,143
Total Unrealized Losses		$ (65)

Note 7 - Securities Available_5

Note 7 - Securities Available for Sale - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities available for sale, amortized cost	$ 99,105	$ 107,528
Investment securities available for sale, gross unrealized gains	2,009	185
Investment securities available for sale, gross unrealized losses	(175)	(121)
Securities available for sale	100,939	107,592
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Securities available for sale, amortized cost	44,499	169
Investment securities available for sale, gross unrealized gains	1,269	4
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	45,768	173
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Securities available for sale, amortized cost	7,499	8,004
Investment securities available for sale, gross unrealized gains	248	88
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	7,747	8,092
Collateralized Mortgage Obligations [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Securities available for sale, amortized cost	162	46,604
Investment securities available for sale, gross unrealized gains	10	47
Investment securities available for sale, gross unrealized losses	0	(65)
Securities available for sale	172	46,586
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, amortized cost	52,160	54,777
Investment securities available for sale, gross unrealized gains	1,527	139
Investment securities available for sale, gross unrealized losses	0	(65)
Securities available for sale	53,687	54,851
Other Marketable Securities [Member]
Securities available for sale, amortized cost	46,945	52,751
Investment securities available for sale, gross unrealized gains	482	46
Investment securities available for sale, gross unrealized losses	(175)	(56)
Securities available for sale	47,252	52,741
Other Marketable Securities [Member] | US Government Agencies Debt Securities [Member]
Securities available for sale, amortized cost	45,080	49,974
Investment securities available for sale, gross unrealized gains	478	39
Investment securities available for sale, gross unrealized losses	0	(21)
Securities available for sale	45,558	49,992
Other Marketable Securities [Member] | US States and Political Subdivisions Debt Securities [Member]
Securities available for sale, amortized cost	1,092	1,969
Investment securities available for sale, gross unrealized gains	4	7
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	1,096	1,976
Other Marketable Securities [Member] | Corporate Debt Securities [Member]
Securities available for sale, amortized cost	73	108
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	73	108
Other Marketable Securities [Member] | Preferred Stock [Member]
Securities available for sale, amortized cost	700	700
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(175)	(35)
Securities available for sale	$ 525	$ 665

Note 7 - Securities Available_6

Note 7 - Securities Available for Sale - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Due less than one year, amortized cost	$ 46,906
Due less than one year, fair value	47,594
Due after one year through five years, amortized cost	37,624
Due after one year through five years, fair value	38,539
Due after five years through ten years, amortized cost	13,469
Due after five years through ten years, fair value	13,863
Due after ten years, amortized cost	1,106
Due after ten years, fair value	943
Total, amortized cost	99,105	$ 107,528
Total, fair value	$ 100,939	$ 107,592

Note 8 - Loans Receivable, Ne_2

Note 8 - Loans Receivable, Net - Loans Receivable (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Loans receivable	$ 626,265	$ 604,435
Unamortized discounts	15	15
Net deferred loan costs	(431)	(536)
Allowance for loan losses	9,036	8,564	$ 8,673	$ 8,686
Total loans receivable, net	617,645	596,392
Residential Portfolio Segment [Member]
Loans receivable	125,141	120,064
Allowance for loan losses	937	857	933	833
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	363,559	350,195
Allowance for loan losses	5,539	5,060	4,892	4,869
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	201,847	192,502
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	161,712	157,693
Consumer Portfolio Segment [Member]
Loans receivable	68,080	69,949
Allowance for loan losses	1,583	1,507	1,588	1,622
Commercial Portfolio Segment [Member]
Loans receivable	69,485	64,227
Allowance for loan losses	$ 977	$ 1,140	$ 1,260	$ 1,362

Note 9 - Allowance for Loan L_3

Note 9 - Allowance for Loan Losses and Credit Quality Information (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019	Dec. 31, 2018
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	$ 1,914		$ 2,081
Impaired Financing Receivable, Related Allowance	647		725
Loan Receivable for Which Value of Collateral Sufficient to Repay	1,200		800
Financing Receivable, Troubled Debt Restructuring	2,708		2,465
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	$ 1,000		800
Loan to Value Ratio	75.00%
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 0	$ 0
Financing Receivable, Troubled Debt Restructuring, Reserves	$ 600		$ 600
Percentage Reserves For Loan Losses On Troubled Debt Restructurings	6.80%		7.20%
Loans and Leases Receivable, Allowance, Ending Balance	$ 9,036	$ 8,673	$ 8,564	$ 8,686
Nonperforming Financial Instruments [Member]
Impaired Financing Receivable, Related Allowance	100		200
Financing Receivable, Troubled Debt Restructuring	983		695
Nonperforming Financial Instruments [Member] | Classified [Member]
Financing Receivable, Troubled Debt Restructuring	400
Performing Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring	1,725		$ 1,770
Performing Financial Instruments [Member] | Classified [Member]
Financing Receivable, Troubled Debt Restructuring	$ 0

Note 9 - Allowance for Loan L_4

Note 9 - Allowance for Loan Losses and Credit Quality Information - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Mar. 31, 2020	Dec. 31, 2019
Balance	$ 8,564	$ 8,686
Provision for losses	(460)	(27)
Charge-offs	(12)	(82)
Recoveries	24	42
Balance	9,036	8,673
Specific reserves			$ 647	$ 725
General reserves			8,389	7,839
Balance	8,564	8,673	9,036	8,564
Individually reviewed for impairment			3,639	3,851
Collectively reviewed for impairment			622,626	600,584
Ending balance			626,265	604,435
Residential Portfolio Segment [Member]
Balance	857	833
Provision for losses	(80)	(100)
Charge-offs	0	0
Recoveries	0	0
Balance	937	933
Specific reserves			46	62
General reserves			891	795
Balance	937	933	937	857
Individually reviewed for impairment			1,003	974
Collectively reviewed for impairment			124,138	119,090
Ending balance			125,141	120,064
Commercial Real Estate Portfolio Segment [Member]
Balance	5,060	4,869
Provision for losses	(479)	(13)
Charge-offs	0	0
Recoveries	0	10
Balance	5,539	4,892
Specific reserves			443	451
General reserves			5,096	4,609
Balance	5,539	4,892	5,539	5,060
Individually reviewed for impairment			1,703	1,166
Collectively reviewed for impairment			361,856	349,029
Ending balance			363,559	350,195
Consumer Portfolio Segment [Member]
Balance	1,507	1,622
Provision for losses	(87)	(3)
Charge-offs	(12)	(39)
Recoveries	1	2
Balance	1,583	1,588
Specific reserves			120	119
General reserves			1,463	1,388
Balance	1,583	1,588	1,583	1,507
Individually reviewed for impairment			802	976
Collectively reviewed for impairment			67,278	68,973
Ending balance			68,080	69,949
Commercial Portfolio Segment [Member]
Balance	1,140	1,362
Provision for losses	186	89
Charge-offs	0	(43)
Recoveries	23	30
Balance	977	1,260
Specific reserves			38	93
General reserves			939	1,047
Balance	$ 977	$ 1,260	977	1,140
Individually reviewed for impairment			131	735
Collectively reviewed for impairment			69,354	63,492
Ending balance			$ 69,485	$ 64,227

Note 9 - Allowance for Loan L_5

Note 9 - Allowance for Loan Losses and Credit Quality Information - Classified and Unclassified Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans receivable	$ 626,265	$ 604,435
Classified [Member]
Loans receivable	38,349	34,427
Classified [Member] | Special Mention [Member]
Loans receivable	19,520	14,768
Classified [Member] | Substandard [Member]
Loans receivable	18,660	19,490
Classified [Member] | Doubtful [Member]
Loans receivable	108	104
Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	61	65
Unclassified [Member]
Loans receivable	587,916	570,008
Residential Portfolio Segment [Member]
Loans receivable	125,141	120,064
Residential Portfolio Segment [Member] | Classified [Member]
Loans receivable	3,133	2,918
Residential Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	1,371	1,118
Residential Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	1,728	1,765
Residential Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	34	35
Residential Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	0	0
Residential Portfolio Segment [Member] | Unclassified [Member]
Loans receivable	122,008	117,146
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	363,559	350,195
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	201,847	192,502
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	161,712	157,693
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Real Estate Loan [Member]
Loans receivable	14,231	12,603
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Commercial Real Estate Other [Member]
Loans receivable	11,872	9,704
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Special Mention [Member] | Real Estate Loan [Member]
Loans receivable	5,197	3,489
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Special Mention [Member] | Commercial Real Estate Other [Member]
Loans receivable	6,399	4,451
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Substandard [Member] | Real Estate Loan [Member]
Loans receivable	9,034	9,114
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Substandard [Member] | Commercial Real Estate Other [Member]
Loans receivable	5,473	5,253
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Doubtful [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Doubtful [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	0
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	0
Commercial Real Estate Portfolio Segment [Member] | Unclassified [Member] | Real Estate Loan [Member]
Loans receivable	187,616	179,899
Commercial Real Estate Portfolio Segment [Member] | Unclassified [Member] | Commercial Real Estate Other [Member]
Loans receivable	149,840	147,989
Consumer Portfolio Segment [Member]
Loans receivable	68,080	69,949
Consumer Portfolio Segment [Member] | Classified [Member]
Loans receivable	802	976
Consumer Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	0	0
Consumer Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	667	842
Consumer Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	74	69
Consumer Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	61	65
Consumer Portfolio Segment [Member] | Unclassified [Member]
Loans receivable	67,278	68,973
Commercial Portfolio Segment [Member]
Loans receivable	69,485	64,227
Commercial Portfolio Segment [Member] | Classified [Member]
Loans receivable	8,311	8,226
Commercial Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	6,553	5,710
Commercial Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	1,758	2,516
Commercial Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	0	0
Commercial Portfolio Segment [Member] | Unclassified [Member]
Loans receivable	$ 61,174	$ 56,001

Note 9 - Allowance for Loan L_6

Note 9 - Allowance for Loan Losses and Credit Quality Information - Aging of Past Due Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Loans past due	$ 2,285	$ 2,396
Current loans	623,980	602,039
Loans receivable	626,265	604,435
Loans 90 days or more past due and still accruing	0	0
Residential Portfolio Segment [Member]
Loans past due	1,421	922
Current loans	123,720	119,142
Loans receivable	125,141	120,064
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	363,559	350,195
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans past due	0	0
Current loans	201,847	192,502
Loans receivable	201,847	192,502
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due	361	0
Current loans	161,351	157,693
Loans receivable	161,712	157,693
Loans 90 days or more past due and still accruing	0	0
Consumer Portfolio Segment [Member]
Loans past due	481	764
Current loans	67,599	69,185
Loans receivable	68,080	69,949
Loans 90 days or more past due and still accruing	0	0
Commercial Portfolio Segment [Member]
Loans past due	22	710
Current loans	69,463	63,517
Loans receivable	69,485	64,227
Loans 90 days or more past due and still accruing	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans past due	1,429	1,460
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	1,124	786
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans past due	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due	0	0
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans past due	294	527
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans past due	11	147
Financial Asset, 60 to 89 Days Past Due [Member]
Loans past due	393	121
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	206	77
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans past due	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due	96	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans past due	80	31
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans past due	11	13
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans past due	463	815
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	91	59
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans past due	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans past due	265	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans past due	107	206
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans past due	$ 0	$ 550

Note 9 - Allowance for Loan L_7

Note 9 - Allowance for Loan Losses and Credit Quality Information - Impaired Loans and Related Allowances (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Related allowance	$ 647		$ 725
Recorded investment	3,639		3,851
Unpaid principal balance	4,210		4,422
Average recorded investment	3,748	$ 3,595
Interest income recognized	42	43
Residential Portfolio Segment [Member]
Recorded investment, with no related allowance	583		544
Unpaid principal balance, with no related allowance	602		563
Recorded investment, with related allowance	420		430
Unpaid principal balance, with related allowance	420		430
Related allowance	46		62
Recorded investment	1,003		974
Unpaid principal balance	1,022		993
Average recorded investment, with no related allowance	564	448
Interest income recognized, with no related allowance	5	4
Average recorded investment, with related allowance	425	789
Interest income recognized, with related allowance	6	3
Average recorded investment	989	1,237
Interest income recognized	11	7
Commercial Real Estate Portfolio Segment [Member]
Related allowance	443		451
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Recorded investment, with no related allowance	557		0
Unpaid principal balance, with no related allowance	557		0
Recorded investment, with related allowance	967		982
Unpaid principal balance, with related allowance	967		982
Related allowance	437		435
Recorded investment	1,524		982
Unpaid principal balance	1,524		982
Average recorded investment, with no related allowance	279	25
Interest income recognized, with no related allowance	2	30
Average recorded investment, with related allowance	975	1,069
Interest income recognized, with related allowance	20	0
Average recorded investment	1,254	1,094
Interest income recognized	22	30
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Recorded investment, with related allowance	179		184
Unpaid principal balance, with related allowance	179		184
Related allowance	6		16
Recorded investment	179		184
Unpaid principal balance	179		184
Average recorded investment, with related allowance	182	200
Interest income recognized, with related allowance	0	0
Interest income recognized	0	0
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance	606		781
Unpaid principal balance, with no related allowance	606		781
Recorded investment, with related allowance	196		195
Unpaid principal balance, with related allowance	196		195
Related allowance	120		119
Recorded investment	802		976
Unpaid principal balance	802		976
Average recorded investment, with no related allowance	694	449
Interest income recognized, with no related allowance	5	2
Average recorded investment, with related allowance	196	290
Interest income recognized, with related allowance	2	3
Average recorded investment	890	739
Interest income recognized	7	5
Commercial Portfolio Segment [Member]
Recorded investment, with related allowance	131		735
Unpaid principal balance, with related allowance	683		1,287
Related allowance	38		93
Recorded investment	131		735
Unpaid principal balance	683		$ 1,287
Average recorded investment, with related allowance	433	325
Interest income recognized, with related allowance	2	1
Average recorded investment	433	325
Interest income recognized	$ 2	$ 1

Note 9 - Allowance for Loan L_8

Note 9 - Allowance for Loan Losses and Credit Quality Information - Non-accrual Loans (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Non-accrual loans	$ 1,914	$ 2,081
Residential Portfolio Segment [Member]
Non-accrual loans	647	617
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Non-accrual loans	179	184
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Non-accrual loans	557	0
Consumer Portfolio Segment [Member]
Non-accrual loans	491	659
Commercial Portfolio Segment [Member]
Non-accrual loans	$ 40	$ 621

Note 9 - Allowance for Loan L_9

Note 9 - Allowance for Loan Losses and Credit Quality Information - Troubled Debt Restructurings (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Troubled debt restructurings	$ 2,708	$ 2,465
Performing Financial Instruments [Member]
Troubled debt restructurings	1,725	1,770
Nonperforming Financial Instruments [Member]
Troubled debt restructurings	983	695
Residential Portfolio Segment [Member]
Troubled debt restructurings	628	623
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	357	357
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	271	266
Commercial Real Estate Portfolio Segment [Member]
Troubled debt restructurings	1,258	983
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	966	983
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	292	0
Consumer Portfolio Segment [Member]
Troubled debt restructurings	731	745
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	311	316
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	420	429
Commercial Portfolio Segment [Member]
Troubled debt restructurings	91	114
Commercial Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	91	114
Commercial Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	$ 0	$ 0

Note 9 - Allowance for Loan _10

Note 9 - Allowance for Loan Losses and Credit Quality Information - Financial Effects of Troubled Debt Restructurings (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)	Mar. 31, 2019USD ($)
Number of Contracts	3	3
Pre- modification Outstanding Recorded Investment	$ 387	$ 47
Post- modification Outstanding Recorded Investment	$ 394	$ 50
Residential Portfolio Segment [Member]
Number of Contracts	1	1
Pre- modification Outstanding Recorded Investment	$ 94	$ 21
Post- modification Outstanding Recorded Investment	$ 101	$ 24
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Number of Contracts	2	0
Pre- modification Outstanding Recorded Investment	$ 293	$ 0
Post- modification Outstanding Recorded Investment	$ 293	$ 0
Consumer Portfolio Segment [Member]
Number of Contracts	0	2
Pre- modification Outstanding Recorded Investment	$ 0	$ 26
Post- modification Outstanding Recorded Investment	$ 0	$ 26

Note 9 - Allowance for Loan _11

Note 9 - Allowance for Loan Losses and Credit Quality Information - Deferred Loans (Details) $ in Thousands	Mar. 31, 2020USD ($)
Deferred loans	$ 78,639
Commercial Real Estate Portfolio Segment [Member]
Deferred loans	75,764
Commercial Real Estate Portfolio Segment [Member] | Hotels [Member]
Deferred loans	48,410
Commercial Real Estate Portfolio Segment [Member] | Theaters [Member]
Deferred loans	9,619
Commercial Real Estate Portfolio Segment [Member] | Restaurant/Bar [Member]
Deferred loans	3,974
Commercial Real Estate Portfolio Segment [Member] | Retail/Office [Member]
Deferred loans	4,623
Commercial Real Estate Portfolio Segment [Member] | Other Industry Sectors [Member]
Deferred loans	9,138
Consumer Portfolio Segment [Member]
Deferred loans	2,875
Consumer Portfolio Segment [Member] | Residential Real Estate [Member]
Deferred loans	2,575
Consumer Portfolio Segment [Member] | Other Consumer [Member]
Deferred loans	$ 300

Note 10 - Intangible Assets (De

Note 10 - Intangible Assets (Details Textual) - USD ($) $ in Millions	3 Months Ended	12 Months Ended
	Mar. 31, 2020	Dec. 31, 2019
Amortization of Intangible Assets, Total	$ 0.3	$ 0.2

Note 10 - Intangible Assets - M

Note 10 - Intangible Assets - Mortgage Servicing Activity (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Balance	$ 2,172	$ 1,855	$ 1,855
Originations	262	116	1,097
Amortization	(228)	(140)	(780)
Balance	2,206	1,831	2,172
Fair value of mortgage servicing rights	$ 2,745	$ 3,702	$ 3,390

Note 10 - Intangible Assets - R

Note 10 - Intangible Assets - Risk Characteristics of Loans Being Serviced (Details) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Original Term Thirty Year Fixed Rate [Member]
Loan Principal Balance	$ 335,718
Weighted Average Interest Rate	4.06%
Weighted Average Remaining Term (Month)	25 years 240 days
Number of Loans	2,457
Original Term Fifteen Year Fixed Rate [Member]
Loan Principal Balance	$ 96,149
Weighted Average Interest Rate	3.20%
Weighted Average Remaining Term (Month)	11 years
Number of Loans	955
Adjustable Rate [Member]
Loan Principal Balance	$ 40
Weighted Average Interest Rate	4.63%
Weighted Average Remaining Term (Month)	21 years 60 days
Number of Loans	2

Note 10 - Intangible Assets - G

Note 10 - Intangible Assets - Gross Carrying Amount and Accumulated Amortization of Intangible Assets (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Finite-lived intangible assets, accumulated amortization	$ (3,269)	$ (3,214)
Finite-lived intangible assets, unamortized intangible assets	2,337
Goodwill, gross carrying amount	802	802
Goodwill, accumulated impairment	0	0
Goodwill	802	802
Intangible assets (including goodwill), gross carrying amount	6,408	6,344
Intangible assets, unamortized intangible assets	3,139	3,130
Mortgage Servicing Rights [Member]
Finite-lived intangible assets, gross carrying amount	5,032	4,968
Finite-lived intangible assets, accumulated amortization	(2,826)	(2,796)
Finite-lived intangible assets, unamortized intangible assets	2,206	2,172
Core Deposits [Member]
Finite-lived intangible assets, gross carrying amount	574	574
Finite-lived intangible assets, accumulated amortization	(443)	(418)
Finite-lived intangible assets, unamortized intangible assets	$ 131	$ 156

Note 10 - Intangible Assets - E

Note 10 - Intangible Assets - Estimated Future Amortization Expense (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
2020	$ 464
2021	524
2022	434
2023	356
2024	278
Thereafter	281
Total	2,337
Mortgage Servicing Rights [Member]
2020	390
2021	477
2022	424
2023	356
2024	278
Thereafter	281
Total	2,206	$ 2,172
Core Deposits [Member]
2020	74
2021	47
2022	10
2023	0
2024	0
Thereafter	0
Total	$ 131	$ 156

Note 11 - Leases (Details Textu

Note 11 - Leases (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Jan. 01, 2019
Operating Lease, Right-of-Use Asset	$ 3,800
Operating Lease, Cost	200	$ 200
Operating Lease, Liability, Total	$ 3,800
Minimum [Member]
Lessee, Operating Lease, Remaining Lease Term (Year)	3 years
Lessee, Operating Lease, Renewal Term (Year)	3 years
Maximum [Member]
Lessee, Operating Lease, Remaining Lease Term (Year)	7 years
Lessee, Operating Lease, Renewal Term (Year)	10 years
Other Liabilities [Member]
Operating Lease, Liability, Total	$ 3,846
Accounting Standards Update 2016-02 [Member] | Other Assets [Member]
Operating Lease, Right-of-Use Asset			$ 4,500
Accounting Standards Update 2016-02 [Member] | Other Liabilities [Member]
Operating Lease, Liability, Total			$ 4,500

Note 11 - Leases - Summary of O

Note 11 - Leases - Summary of Other Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 222	$ 225
Weighted-average remaining lease term – operating leases (Year)	4 years 182 days	5 years 146 days
Weighted-average discount rate – operating leases	2.19%	2.60%

Note 11 - Leases - Maturity of

Note 11 - Leases - Maturity of Remaining Lease Liabilities (Details) $ in Thousands	Mar. 31, 2020USD ($)
2020	$ 665
2021	897
2022	932
2023	807
2024	729
2025 and thereafter	15
Total lease payments	4,045
Less: Interest	(199)
Operating Lease, Liability, Total	3,800
Other Liabilities [Member]
Operating Lease, Liability, Total	$ 3,846

Note 12 - Earnings Per Common_3

Note 12 - Earnings Per Common Share - Basic and Diluted Earnings (Loss) Per Share (Details) - USD ($) $ / shares in Units, $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Weighted average number of common shares outstanding used in basic earnings per common share calculation (in shares)	4,625,908	4,598,234
Restricted stock awards and options (in shares)	27,718	28,503
Weighted average number of shares outstanding adjusted for effect of dilutive securities (in shares)	4,653,626	4,626,737
Net income	$ 1,385	$ 1,620
Basic earnings per share (in dollars per share)	$ 0.30	$ 0.35
Diluted earnings per share (in dollars per share)	$ 0.30	$ 0.35

Note 13 - Regulatory Capital _3

Note 13 - Regulatory Capital and Oversight (Details Textual) - USD ($) $ in Millions	Jan. 01, 2019	Mar. 31, 2020
Banks Tangible Assets		$ 776.7
Adjusted Assets		775.8
Banking Regulation, Risk-Weighted Assets, Actual		$ 643.7
Capital Conservation Buffer	2.50%

Note 13 - Regulatory Capital _4

Note 13 - Regulatory Capital and Oversight - Capital Amounts and Ratios (Details) $ in Thousands	Mar. 31, 2020USD ($)
Common equity tier 1 capital, actual amount	$ 85,074
Common equity tier 1 capital, actual percent of asset	0.1322	[1]
Common equity tier 1 capital, amount required to be adequately capitalized	$ 28,967
Common equity tier 1 capital, percent of assets required to be adequately capitalized	0.045	[1]
Common equity tier 1 capital, excess capital amount	$ 56,107
Common equity tier 1 capital, excess capital percent of assets	0.0872	[1]
Common equity tier 1 capital, amount to be well capitalized under prompt corrective action provisions	$ 41,841
Common equity tier 1 capital, percent of assets to be well capitalized under prompt corrective action provisions	0.065	[1]
Tier 1 leverage, actual amount	$ 85,074
Tier 1 leverage, actual percent of asset	0.1097	[1]
Tier 1 leverage, amount required to be adequately capitalized	$ 31,033
Tier 1 leverage, percent of assets required to be adequately capitalized	0.04	[1]
Tier 1 leverage, excess capital amount	$ 54,041
Tier 1 leverage, excess capital percent of assets	0.0697	[1]
Tier 1 leverage, amount to be well capitalized under prompt corrective action provisions	$ 38,791
Tier 1 leverage, percent of assets to be well capitalized under prompt corrective action provisions	0.05	[1]
Tier 1 risk-based capital, actual amount	$ 85,074
Tier 1 risk-based capital, actual percent of asset	0.1322	[1]
Tier 1 risk-based capital, amount required to be adequately capitalized	$ 38,623
Tier 1 risk-based capital, percent of assets required to be adequately capitalized	0.06	[1]
Tier 1 risk-based capital, excess capital amount	$ 46,451
Tier 1 risk-based capital, excess capital percent of assets	0.0722	[1]
Tier 1 risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 51,497
Tier 1 risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.08	[1]
Total risk-based capital, actual amount	$ 93,132
Total risk-based capital, actual percent of asset	0.1447	[1]
Total risk-based capital, amount required to be adequately capitalized	$ 51,497
Total risk-based capital, percent of assets required to be adequately capitalized	0.08	[1]
Total risk-based capital, excess capital amount	$ 41,635
Total risk-based capital, excess capital percent of assets	0.0647	[1]
Total risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 64,371
Total risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.1	[1]
[1]	Based upon the Bank's adjusted total assets for the purpose of the Tier 1 leverage capital ratio and risk-weighted assets for the purpose of the risk-based capital ratios.

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity (Details Textual) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Nov. 28, 2018
Stock Repurchased During Period, Shares (in shares)	20,000
Treasury Stock, Value, Acquired, Cost Method	$ 360
Dividends, Common Stock, Cash	$ 0
New Share Repurchase Program [Member]
Stock Repurchase Program, Authorized Amount		$ 6,000

Note 15 - Commitments and Con_2

Note 15 - Commitments and Contingencies (Details Textual) $ in Thousands	3 Months Ended
	Mar. 31, 2020USD ($)
Letters of Credit Issued and Available Amount	$ 2,300
Loss Contingency, Damages Sought, Value	3,800
Minimum [Member]
Loss Contingency, Estimate of Possible Loss	0
Maximum [Member]
Loss Contingency, Estimate of Possible Loss	$ 1,000

Note 16 - Business Segments - P

Note 16 - Business Segments - Profit and Assets for the Reportable Segments (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Interest income - external customers	$ 7,844	$ 7,732
Total non-interest income	2,471	1,691
Intersegment interest income	0
Intersegment non-interest income	0	0
Interest expense	892	690
Provision for loan losses	460	27
Non-interest expense	7,001	6,446
Income tax expense	577	640
Net income	1,385	1,620
Total assets	784,200	722,745	$ 777,639
Consolidation, Eliminations [Member]
Interest income - external customers	0	0
Total non-interest income	0	0
Intersegment interest income	(15)
Intersegment non-interest income	(1,583)	(1,821)
Interest expense	(15)	0
Provision for loan losses	0	0
Non-interest expense	(59)	(59)
Income tax expense	0	0
Net income	(1,524)	(1,762)
Total assets	(94,612)	(84,537)
Home Federal Savings Bank [Member] | Operating Segments [Member]
Interest income - external customers	7,844	7,732
Total non-interest income	2,471	1,691
Intersegment interest income	0
Intersegment non-interest income	59	59
Interest expense	907	690
Provision for loan losses	460	27
Non-interest expense	6,874	6,332
Income tax expense	609	671
Net income	1,524	1,762
Total assets	783,615	721,736
Other Segments [Member] | Operating Segments [Member]
Interest income - external customers	0	0
Total non-interest income	0	0
Intersegment interest income	15
Intersegment non-interest income	1,524	1,762
Interest expense	0	0
Provision for loan losses	0	0
Non-interest expense	186	173
Income tax expense	(32)	(31)
Net income	1,385	1,620
Total assets	$ 95,197	$ 85,546