HMN Financial (HMNF) 10-Q 30 Oct 20 2020 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2020	Oct. 26, 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)		4,836,359
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Sep. 30, 2020
Document Fiscal Year Focus	2020
Document Fiscal Period Focus	Q3
Amendment Flag	false
Title of 12(b) Security	Common Stock

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Assets
Cash and cash equivalents	$ 76,027	$ 44,399
Mortgage-backed and related securities (amortized cost $69,826 and $54,777)	118,564	107,592
Loans held for sale	7,225	3,606
Loans receivable, net	670,297	596,392
Accrued interest receivable	4,236	2,251
Mortgage servicing rights, net	2,880	2,172
Premises and equipment, net	10,342	10,515
Goodwill	802	802
Core deposit intangible	82	156
Prepaid expenses and other assets	6,798	8,052
Deferred tax asset, net	1,199	1,702
Total assets	898,452	777,639
Liabilities and Stockholders’ Equity
Deposits	787,023	673,870
Accrued interest payable	225	420
Customer escrows	1,857	2,413
Accrued expenses and other liabilities	8,204	8,288
Total liabilities	797,309	684,991
Commitments and contingencies
Stockholders’ equity:
Serial-preferred stock ($.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	40,393	40,365
Retained earnings, subject to certain restrictions	114,724	107,547
Accumulated other comprehensive income	1,343	46
Unearned employee stock ownership plan shares	(1,498)	(1,643)
Treasury stock, at cost 4,292,303 and 4,284,840 shares	(53,910)	(53,758)
Total stockholders’ equity	101,143	92,648
Total liabilities and stockholders’ equity	898,452	777,639
Collateralized Mortgage Backed Securities [Member]
Assets
Mortgage-backed and related securities (amortized cost $69,826 and $54,777)	71,458	54,851
Other Debt Obligations [Member]
Assets
Mortgage-backed and related securities (amortized cost $69,826 and $54,777)	$ 47,106	$ 52,741

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Securities available for sale, amortized cost	$ 116,700	$ 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)	4,292,303	4,284,840
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, amortized cost	$ 69,826	$ 54,777
Other Debt Obligations [Member]
Securities available for sale, amortized cost	$ 46,874	$ 52,751

Consolidated Statements of Comp

Consolidated Statements of Comprehensive Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Interest income:
Loans receivable	$ 7,489	$ 7,428	$ 22,156	$ 22,597
Securities available for sale:
Mortgage-backed and related	271	56	825	146
Other marketable	163	309	546	905
Other	26	205	149	381
Total interest income	7,949	7,998	23,676	24,029
Interest expense:
Deposits	656	906	2,293	2,418
Federal Home Loan Bank advances and other borrowings	0	0	0	7
Total interest expense	656	906	2,293	2,425
Net interest income	7,293	7,092	21,383	21,604
Provision for loan losses	770	(420)	1,548	(1,452)
Net interest income after provision for loan losses	6,523	7,512	19,835	23,056
Non-interest income:
Gain on sales of loans	3,005	845	6,503	1,835
Other	291	238	846	842
Total non-interest income	4,396	2,227	10,461	5,939
Non-interest expense:
Compensation and benefits	3,916	3,849	11,762	11,496
Occupancy and equipment	1,101	1,142	3,335	3,284
Data processing	334	319	963	925
Professional services	241	428	1,175	1,081
Other	1,004	1,009	3,015	2,975
Total non-interest expense	6,596	6,747	20,250	19,761
Income before income tax expense	4,323	2,992	10,046	9,234
Income tax expense	1,222	916	2,869	2,677
Net income	3,101	2,076	7,177	6,557
Other comprehensive income (loss), net of tax	(202)	149	1,297	1,075
Comprehensive income available to common shareholders	$ 2,899	$ 2,225	$ 8,474	$ 7,632
Basic earnings per share (in dollars per share)	$ 0.67	$ 0.45	$ 1.55	$ 1.42
Diluted earnings per share (in dollars per share)	$ 0.67	$ 0.45	$ 1.54	$ 1.41
Financial Service [Member]
Non-interest income:
Revenue from Contract with Customer	$ 753	$ 820	$ 2,136	$ 2,305
Bank Servicing [Member]
Non-interest income:
Revenue from Contract with Customer	$ 347	$ 324	$ 976	$ 957

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			6,557				6,557
Other comprehensive income (loss), net of tax				1,075			1,075
Amortization of restricted stock awards		138					138
Earned employee stock ownership plan shares		173			144		317
Restricted stock awards		(143)				143	0
Stock awards withheld for tax withholding						(45)	(45)
Stock compensation expense		1					1
Balance at Sep. 30, 2019	91	40,259	106,311	(21)	(1,692)	(53,758)	91,190
Balance at Jun. 30, 2019	91	40,153	104,235	(170)	(1,740)	(53,758)	88,811
Net income			2,076				2,076
Other comprehensive income (loss), net of tax				149			149
Amortization of restricted stock awards		48					48
Earned employee stock ownership plan shares		58			48		106
Balance at Sep. 30, 2019	91	40,259	106,311	(21)	(1,692)	(53,758)	91,190
Balance at Dec. 31, 2019	91	40,365	107,547	46	(1,643)	(53,758)	92,648
Net income			7,177				7,177
Other comprehensive income (loss), net of tax				1,297			1,297
Amortization of restricted stock awards		184					184
Earned employee stock ownership plan shares		112			145		257
Stock repurchases						(360)	(360)
Restricted stock awards		(268)				268	0
Stock awards withheld for tax withholding						(60)	(60)
Balance at Sep. 30, 2020	91	40,393	114,724	1,343	(1,498)	(53,910)	101,143
Balance at Jun. 30, 2020	91	40,312	111,623	1,545	(1,546)	(53,910)	98,115
Net income			3,101				3,101
Other comprehensive income (loss), net of tax				(202)			(202)
Amortization of restricted stock awards		54					54
Earned employee stock ownership plan shares		27			48		75
Balance at Sep. 30, 2020	$ 91	$ 40,393	$ 114,724	$ 1,343	$ (1,498)	$ (53,910)	$ 101,143

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Cash flows from operating activities:
Net income	$ 7,177	$ 6,557
Adjustments to reconcile net income to cash provided by operating activities:
Provision for loan losses	1,548	(1,452)
Depreciation	785	838
Amortization of premiums (discounts), net	119	(10)
Amortization of deferred loan fees	(350)	(153)
Amortization of core deposit intangible	1,100	600
Amortization of purchased asset fair value adjustments	(26)	(29)
Amortization of mortgage servicing rights	1,002	535
Capitalized mortgage servicing rights	(1,710)	(674)
Securities losses (gains), net	40	(42)
(Gain) loss on sale of premises and equipment	(6)	20
Gain on sales of real estate	(129)	0
Gain on sales of loans	(6,503)	(1,835)
Proceeds from sales of loans held for sale	202,243	77,289
Disbursements on loans held for sale	(195,571)	(75,833)
Amortization of restricted stock awards	184	138
Amortization of unearned Employee Stock Ownership Plan shares	145	144
Earned Employee Stock Ownership Plan shares priced above original cost	112	173
Stock option compensation expense	0	1
(Increase) decrease in accrued interest receivable	(1,985)	139
(Decrease) increase in accrued interest payable	(195)	31
Decrease in other assets	1,379	1,285
(Decrease) increase in other liabilities	(170)	923
Other, net	6	22
Net cash provided by operating activities	8,169	8,141
Cash flows from investing activities:
Principal collected on securities available for sale	11,050	1,347
Proceeds collected on maturities of securities available for sale	30,875	10,400
Purchases of securities available for sale	(51,218)	(15,246)
Purchase of Federal Home Loan Bank stock	(79)	(1,040)
Redemption of Federal Home Loan Bank stock	0	1,054
Proceeds from sales of real estate	434	0
Net (increase) decrease in loans receivable	(79,174)	1,008
Proceeds from sale of premises and equipment	63	195
Purchases of premises and equipment	(669)	(1,748)
Net cash used by investing activities	(88,718)	(4,030)
Cash flows from financing activities:
Increase in deposits	113,153	36,256
Common Stock purchased	(360)	0
Stock awards withheld for tax withholding	(60)	(45)
Proceeds from borrowings	0	26,000
Repayment of borrowings	0	(26,000)
(Decrease) increase in customer escrows	(556)	1,476
Net cash provided by financing activities	112,177	37,687
Increase in cash and cash equivalents	31,628	41,798
Cash and cash equivalents, beginning of period	44,399	20,709
Cash and cash equivalents, end of period	76,027	62,507
Supplemental cash flow disclosures:
Cash paid for interest	2,488	2,394
Cash paid for income taxes	2,041	2,189
Supplemental noncash flow disclosures:
Loans transferred to loans held for sale	3,960	4,054
Transfer of loans to real estate	139	166
Right to use assets and lease obligations	0	4,241
Core Deposits [Member]
Adjustments to reconcile net income to cash provided by operating activities:
Amortization of core deposit intangible	$ 74	$ 74

Note 1 - HMN Financial, Inc.

Note 1 - HMN Financial, Inc.	9 Months Ended
	Sep. 30, 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. Certain amounts in the consolidated financial statements for the prior year have been reclassified to conform to the current year presentation.

Note 2 - Basis of Preparation

Note 2 - Basis of Preparation	9 Months Ended
	Sep. 30, 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 nine September 30, 2020 not may

Note 3 - New Accounting Standar

Note 3 - New Accounting Standards	9 Months Ended
	Sep. 30, 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	9 Months Ended
	Sep. 30, 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 and liabilities of the Company for which fair values are determined on a recurring basis as of September 30, 2020 December 31, 2019. Carrying value at September 30, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 118,564 0 118,564 0 Equity securities 127 0 127 0 Mortgage loan commitments 266 0 266 0 Total $ 118,957 0 118,957 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 nine September 30, 2020. The Company may September 30, 2020 December 31, 2019. Carrying value at September 30, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three months ended September 30, 2020 total gains Nine months ended September 30, 2020 total gains Loans held for sale $ 7,225 0 7,225 0 24 86 Mortgage servicing rights 2,880 0 2,880 0 0 0 Loans (1) 2,881 0 2,881 0 12 50 Real estate, net (2) 414 0 414 0 0 0 Total $ 13,400 0 13,400 0 36 136 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 2,172 0 2,172 0 0 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 Represents the carrying value of loans for which adjustments are based on the appraised value of the collateral. The carrying value of loans fully charged-off is zero. ( 2 Represents the fair value of foreclosed real estate and other collateral owned that were measured at fair value subsequent to their initial classification as foreclosed assets.

Note 5 - Fair Value of Financia

Note 5 - Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 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 September 30, 2020 December 31, 2019 no The estimated fair value of the Company's financial instruments as of September 30, 2020 December 31, 2019 September 30, 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 $ 76,027 76,027 76,027 44,399 44,399 44,399 Securities available for sale 118,564 118,564 118,564 107,592 107,592 107,592 Equity securities 127 127 127 167 167 167 Loans held for sale 7,225 7,225 7,225 3,606 3,606 3,606 Loans receivable, net 670,297 674,804 674,804 596,392 600,863 600,863 Federal Home Loan Bank stock 932 932 932 854 854 854 Accrued interest receivable 4,236 4,236 4,236 2,251 2,251 2,251 Financial liabilities: Deposits 787,023 787,975 787,975 673,870 673,945 673,945 Accrued interest payable 225 225 225 420 420 420 Off-balance sheet financial instruments: Commitments to extend credit 266 266 191,522 14 14 178,804 Commitments to sell loans (102 ) (102 ) 48,199 (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 were adjusted to 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 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 (Loss)	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	( 6 ) Other Comprehensive Income (Loss) Other comprehensive income (loss) 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 (loss), which for the Company is comprised of unrealized gains and losses on securities available for sale. The components of other comprehensive income (loss) and the related tax effects were as follows: For the three months ended September 30, (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 (losses) gains arising during the period $ (281 ) (79 ) (202 ) 206 57 149 Other comprehensive income (loss) $ (281 ) (79 ) (202 ) 206 57 149 For the nine months ended September 30, (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 $ 1,800 503 1,297 1,491 416 1,075 Other comprehensive income $ 1,800 503 1,297 1,491 416 1,075

Note 7 - Securities Available f

Note 7 - Securities Available for Sale	9 Months Ended
	Sep. 30, 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 value 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 September 30, 2020 December 31, 2019. Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Fair Value Unrealized # of Fair Value Unrealized Fair Value Unrealized Losses September 30, 2020 Mortgage-backed securities: Federal National Mortgage Association (FNMA) 2 $ 10,254 (35 ) 0 $ 0 0 $ 10,254 (35 ) Other marketable securities: Corporate obligations 1 37 (1 ) 0 0 0 37 (1 ) Corporate preferred stock 0 0 0 1 595 (105 ) 595 (105 ) Total temporarily impaired securities 3 $ 10,291 (36 ) 1 $ 595 (105 ) $ 10,886 (141 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Fair Value Unrealized # of Fair Value Unrealized Fair Value Unrealized 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 September 30, 2020 September 30, 2020 not September 30, 2020. not may A summary of securities available for sale at September 30, 2020 December 31, 2019 (Dollars in thousands) Amortized cost Gross unrealized Gross unrealized Fair value September 30, 2020: Mortgage-backed securities: FNMA $ 52,922 1,388 (35 ) 54,275 Federal Home Loan Mortgage Corporation (FHLMC) 16,783 272 0 17,055 Collateralized mortgage obligations: FNMA 121 7 0 128 69,826 1,667 (35 ) 71,458 Other marketable securities: U.S. Government agency obligations 45,046 333 0 45,379 Municipal obligations 1,091 5 0 1,096 Corporate obligations 37 0 (1 ) 36 Corporate preferred stock 700 0 (105 ) 595 46,874 338 (106 ) 47,106 $ 116,700 2,005 (141 ) 118,564 Dollars in thousands) Amortized cost Gross unrealized 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 September 30, 2020 (Dollars in thousands) Amortized Cost Fair Value Due less than one year $ 63,341 64,159 Due after one year through five years 43,832 44,776 Due after five years through ten years 8,662 8,865 Due after ten years 865 764 Total $ 116,700 118,564 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 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	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Loans, Notes, Trade and Other Receivables Disclosure [Text Block]	( 8 ) Loans Receivable, Net A summary of loans receivable at September 30, 2020 December 31, 2019 (Dollars in thousands) September 30, 2020 December 31, Single family $ 130,843 120,064 Commercial real estate: Real estate rental and leasing 213,696 192,502 Other 170,211 157,693 383,907 350,195 Consumer 59,271 69,949 Commercial business 106,796 64,227 Total loans 680,817 604,435 Less: Unamortized discounts 13 15 Net deferred loan fees (costs) 975 (536 ) Allowance for loan losses 9,532 8,564 Total loans receivable, net $ 670,297 596,392

Note 9 - Allowance for Loan Los

Note 9 - Allowance for Loan Losses and Credit Quality Information	9 Months Ended
	Sep. 30, 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 Consumer Commercial Total For the three months ended September 30, 2020: Balance, June 30, 2020 $ 938 5,382 1,464 865 8,649 Provision for losses 27 878 (64 ) (71 ) 770 Charge-offs 0 0 (29 ) (8 ) (37 ) Recoveries 0 0 5 145 150 Balance, September 30, 2020 $ 965 6,260 1,376 931 9,532 For the nin e months ended September 30, 2020 : Balance, December 31, 2019 $ 857 5,060 1,507 1,140 8,564 Provision for losses 108 1,913 (79 ) (394 ) 1,548 Charge-offs 0 (730 ) (74 ) (8 ) (812 ) Recoveries 0 17 22 193 232 Balance, September 30, 2020 $ 965 6,260 1,376 931 9,532 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 $ 31 5 63 17 116 General reserves 934 6,255 1,313 914 9,416 Balance, September 30, 2020 $ 965 6,260 1,376 931 9,532 Loans receivable at December 31, 201 9 : 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 September 30, 2020: Individually reviewed for impairment $ 708 1,537 707 45 2,997 Collectively reviewed for impairment 130,135 382,370 58,564 106,751 677,820 Ending balance $ 130,843 383,907 59,271 106,796 680,817 (Dollars in thousands) Single Family Commercial Consumer Commercial Total For the three months ended September 30, 2019: Balance, June 30, 2019 $ 867 4,762 1,632 1,363 8,624 Provision for losses 24 (42 ) (37 ) (365 ) (420 ) Charge-offs (2 ) 0 (46 ) 0 (48 ) Recoveries 0 0 2 37 39 Balance, September 30, 2019 $ 889 4,720 1,551 1,035 8,195 For the nine months ended September 30, 2019: Balance, December 31, 2018 $ 833 4,869 1,622 1,362 8,686 Provision for losses 58 (1,834 ) 13 311 (1,452 ) Charge-offs (2 ) 0 (92 ) (869 ) (963 ) Recoveries 0 1,685 8 231 1,924 Balance, September 30, 2019 $ 889 4,720 1,551 1,035 8,195 The following table summarizes the amount of classified and unclassified loans at September 30, 2020 December 31, 2019: September 30, 2020 Classified Unclassified (Dollars in thousands) Special Substandard Doubtful Loss Total Total Total Loans Single family $ 274 2,313 31 0 2,618 128,225 130,843 Commercial real estate: Real estate rental and leasing 5,194 3,451 0 0 8,645 205,051 213,696 Other 5,537 5,574 0 0 11,111 159,100 170,211 Consumer 0 624 63 20 707 58,564 59,271 Commercial business 3,575 1,884 0 0 5,459 101,337 106,796 $ 14,580 13,846 94 20 28,540 652,277 680,817 December 31, 2019 Classified Unclassified (Dollars in thousands) Special 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 September 30, 2020 December 31, 2019 (Dollars in thousands) 30-59 Days 60-89 Days 90 Days or More Past Due Total Past Due Current Total Loans Loans 90 Days September 30, 2020 Single family $ 550 223 144 917 129,926 130,843 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 213,696 213,696 0 Other 0 0 185 185 170,026 170,211 0 Consumer 360 49 300 709 58,562 59,271 0 Commercial business 0 0 0 0 106,796 106,796 0 $ 910 272 629 1,811 679,006 680,817 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 September 30, 2020 December 31, 2019: September 30, 2020 December 31, 2019 (Dollars in thousands) Recorded Unpaid Related Recorded Unpaid Related Loans with no related allowance recorded: Single family $ 588 607 0 544 563 0 Commercial real estate: Real estate rental and leasing 968 1,618 0 0 0 0 Other 399 479 0 0 0 0 Consumer 596 596 0 781 781 0 Loans with an allowance recorded: Single family 120 120 31 430 430 62 Commercial real estate: Real estate rental and leasing 170 170 5 184 184 16 Other 0 0 0 982 982 435 Consumer 111 111 63 195 195 119 Commercial business 45 597 17 735 1,287 93 Total: Single family 708 727 31 974 993 62 Commercial real estate: Real estate rental and leasing 1,138 1,788 5 184 184 16 Other 399 479 0 982 982 435 Consumer 707 707 63 976 976 119 Commercial business 45 597 17 735 1,287 93 $ 2,997 4,298 116 3,851 4,422 725 The following tables summarize average recorded investment and interest income recognized on impaired loans during the three nine September 30, 2020 2019. For the three months ended For the nine months ended September 30, 2020 (Dollars in thousands) Average Recorded Interest Income Average Investment Interest Income Loans with no related allowance recorded: Single family $ 606 6 585 23 Commercial real estate: Real estate rental and leasing 985 0 493 33 Other 401 0 340 2 Consumer 586 3 640 9 Commercial business 4 0 2 0 Loans with an allowance recorded: Single family 121 0 273 0 Commercial real estate: Real estate rental and leasing 173 0 177 0 Other 0 0 487 0 Consumer 142 0 169 2 Commercial business 50 1 242 2 Total: Single family 727 6 858 23 Commercial real estate: Real estate rental and leasing 1,158 0 670 33 Other 401 0 827 2 Consumer 728 3 809 11 Commercial business 54 1 244 2 $ 3,068 10 3,408 71 For the three months ended For the nine months ended September 30, 2019 (Dollars in thousands) Average Recorded Interest Income Average Interest Income Loans with no related allowance recorded: Single family $ 551 6 499 17 Commercial real estate: Other 0 0 13 0 Consumer 612 3 530 17 Loans with an allowance recorded: Single family 579 1 684 2 Commercial real estate: Real estate rental and leasing 191 0 195 0 Other 1,061 20 1,065 22 Consumer 192 3 241 8 Commercial business 248 3 286 8 Total: Single family 1,130 7 1,183 19 Commercial real estate: Real estate rental and leasing 191 0 195 0 Other 1,061 20 1,078 22 Consumer 804 6 771 25 Commercial business 248 3 286 8 $ 3,434 36 3,513 74 At September 30, 2020 December 31, 2019, $2.5 $2.1 $0.1 $0.2 no $2.2 $0.8 September 30, 2020 December 31, 2019, The non-accrual loans at September 30, 2020 December 31, 2019 (Dollars in thousands) September 30, 2020 December 31, 2019 Single family $ 352 617 Commercial real estate: Real estate rental and leasing 1,138 184 Other 399 0 Consumer 641 659 Commercial business 11 621 $ 2,541 2,081 At September 30, 2020 December 31, 2019 $1.5 $2.5 no third 2020. third 2019, none $0.1 September 30, 2019. The following table summarizes TDRs at September 30, 2020 December 31, 2019: September 30, 2020 December 31, 2019 (Dollars in thousands) Accrual Non-Accrual Total Accrual Non-Accrual Total Single family $ 356 261 617 357 266 623 Commercial real estate 0 214 214 983 0 983 Consumer 66 589 655 316 429 745 Commercial business 35 0 35 114 0 114 $ 457 1,064 1,521 1,770 695 2,465 As of September 30, 2020, $1.3 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 12 12 When a loan is modified as a TDR, there may may three nine September 30, 2020 2019. Three Months Ended September 30, 2020 Nine Months Ended September 30, 2020 (Dollars in thousands) Number of Pre- Post- Number of Pre- modification Post- modification Troubled debt restructurings: Single family 0 $ 0 0 1 $ 94 101 Commercial real estate: Other 0 0 0 2 293 293 Total 0 $ 0 0 3 $ 387 394 Three Months Ended September 30, 2019 Nine Months Ended September 30, 2019 (Dollars in thousands) Number of Pre- modification Post- modification Number of Pre- modification Post- modification Troubled debt restructurings: Single family 0 $ 0 0 3 $ 176 181 Consumer 1 58 58 4 118 118 Total 1 $ 58 58 7 $ 294 299 There were no 12 September 30, 2020 2019 three nine September 30, 2020 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 $0.1 1.1%, $9.5 September 30, 2020 $0.6 7.2%, $8.6 December 31, 2019. In the first nine 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 September 30, 2020 June 30, 2020 (Dollars in thousands) Balance Balance Commercial real estate loans by industry: Hotels (1) $ 54,660 54,660 Retail/Office 7,127 20,322 Theaters 11,269 11,269 Multi-family 0 11,195 Single family 0 4,675 Restaurant/Bar 2,876 4,477 Other 5,747 9,449 Total commercial loans 81,679 116,047 Consumer loans by collateral type: Single family 366 2,955 Other 0 77 Total consumer loans 366 3,032 Total deferred loans $ 82,045 119,079 ( 1 Approximately $38.5 $21.3 $13.8 $3.4 All of the borrowers whose loan deferral period ended during the third 2020 none September 30, 2020. September 30, 2020 fourth 2020. may may

Note 10 - Intangible Assets

Note 10 - Intangible Assets	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Intangible Assets Disclosure [Text Block]	( 1 0 ) Intangible Assets The Company's intangible assets consist of mortgage servicing rights, core deposit intangibles, and goodwill. A summary of mortgage servicing activity is as follows: (Dollars in thousands) Nine Months ended Twelve Months ended December 31, 2019 Nine Months ended September 30, 2019 Balance, beginning of period $ 2,172 1,855 1,855 Originations 1,710 1,097 674 Amortization (1,002 ) (780 ) (535 ) Balance, end of period $ 2,880 2,172 1,994 Fair value of mortgage servicing rights $ 2,956 3,390 2,922 All of the loans sold where the Company continues to service the loans are serviced for FNMA under the mortgage-backed security program or the individual loan sale program. The following is a summary of the risk characteristics of the loans being serviced for FNMA at September 30, 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 $ 380,018 3.74 % 311 2,593 Original term 15 year fixed rate 117,870 3.03 140 1,064 The gross carrying amount of intangible assets and the associated accumulated amortization at September 30, 2020 December 31, 2019 $1.1 $0.6 nine September 30, 2020 2019, September 30, 2020 Gross (Dollars in thousands) Carrying Amount Accumulated Amortization Unamortized Amount Mortgage servicing rights $ 6,018 (3,138 ) 2,880 Core deposit intangible 574 (492 ) 82 Goodwill 802 0 802 Total $ 7,394 (3,630 ) 3,764 December 31, 2019 Gross (Dollars in thousands) Carrying Amount Accumulated Amortization Unamortized Amount 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 amortizing intangible assets: (Dollars in thousands) Mortgage Core Deposit Total Amortizing Year ended December 31, 2020 $ 156 25 181 2021 596 47 643 2022 550 10 560 2023 495 0 495 2024 437 0 437 Thereafter 646 0 646 Total $ 2,880 82 2,962 Projections of amortization are based on existing asset balances and the existing interest rate environment as of September 30, 2020. may No not may September 30, 2020 not no September 30, 2020.

Note 11 - Leases

Note 11 - Leases	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	( 11 Leases The Company accounts for its leases in accordance with ASU 2016 02, 842 September 30, 2020, $3.4 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 22 54 3 10 not not The table below summarizes the Company's net lease cost: (Dollars in thousands) Three Months Ended Nine Months Ended Operating lease cost $ 224 669 The table below summarizes other information related to the Company's operating leases: (Dollars in thousands) Three Months Three Months Nine Months Nine Months Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 224 221 669 667 Weighted-average remaining lease term – operating leases, in years 3.9 5.0 3.9 5.0 Weighted-average discount rate – operating leases 2.19 % 2.19 % 2.19 % 2.19 % The table below summarizes the maturities of remaining lease liabilities: (Dollars in thousands) September 30, 2020 2020 $ 222 2021 902 2022 924 2023 802 2024 667 2025 and thereafter 11 Total lease payments 3,528 Less: Interest (153 ) Present value of lease liabilities $ 3,375

Note 12 - Earnings Per Common S

Note 12 - Earnings Per Common Share	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Earnings Per Share [Text Block]	( 1 2 ) Earnings per Common S hare The following table reconciles the weighted average shares outstanding and the earnings available to common shareholders used for basic and diluted earnings per share: Three Months Ended September 30, Nine Months Ended September 30, (In thousands, except per share data) 2020 2019 2020 2019 Weighted average number of common shares outstanding used in basic earnings per share calculation 4,628 4,614 4,624 4,606 Net dilutive effect of: Restricted stock awards and options 23 28 26 29 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,651 4,642 4,650 4,635 Income available to common shareholders $ 3,101 2,076 7,177 6,557 Basic earnings per common share $ 0.67 0.45 1.55 1.42 Diluted earnings per common share $ 0.67 0.45 1.54 1.41

Note 13 - Regulatory Capital an

Note 13 - Regulatory Capital and Oversight	9 Months Ended
	Sep. 30, 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 quarter ended September 30, 2020 $886.7 $885.8 $655.1 September 30, 2020 Actual Required to be Excess Capital To Be Well Capitalized (Dollars in thousands) Amount Percent of Amount Percent of Amount Percent of Amount Percent of September 30, 2020 Common equity tier 1 capital $ 86,209 13.16 % $ 29,481 4.50 % $ 56,728 8.66 % $ 42,583 6.50 % Tier 1 capital leverage 86,209 9.73 35,432 4.00 50,777 5.73 44,291 5.00 Tier 1 risk-based capital 86,209 13.16 39,307 6.00 46,902 7.16 52,410 8.00 Total risk-based capital 94,414 14.41 52,410 8.00 42,004 6.41 65,512 10.00 The Bank must maintain a capital conservation buffer of 2.50% 1 September 30, 2020, no

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	( 1 4 ) Stockholders' Equity The Company was authorized to repurchase up to $5.6 September 30, 2020. September 30, 2020 not second third 2020. 19 no not third 2020 no fourth 2020.

Note 15 - Commitments and Conti

Note 15 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 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 September 30, 2020 $7.0 14 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 $1.9 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 $0.9 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	9 Months Ended
	Sep. 30, 2020
Notes to Financial Statements
Segment Reporting Disclosure [Text Block]	( 16 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 Other Eliminations Consolidated At or for the nine months ended September 30, 2020: Interest income - external customers $ 23,676 0 0 23,676 Non-interest income - external customers 10,461 0 0 10,461 Intersegment interest income 0 32 (32 ) 0 Intersegment non-interest income 175 7,609 (7,784 ) 0 Interest expense 2,325 0 (32 ) 2,293 Provision for loan losses 1,548 0 0 1,548 Non-interest expense 19,863 562 (175 ) 20,250 Income tax expense 2,967 (98 ) 0 2,869 Net income 7,609 7,177 (7,609 ) 7,177 Total assets 897,694 101,308 (100,550 ) 898,452 At or for the nine months ended September 30, 2019: Interest income - external customers $ 24,029 2 (2 ) 24,029 Non-interest income - external customers 5,939 0 0 5,939 Intersegment non-interest income 176 7,015 (7,191 ) 0 Interest expense 2,427 0 (2 ) 2,425 Provision for loan losses (1,452 ) 0 0 (1,452 ) Non-interest expense 19,363 574 (176 ) 19,761 Income tax expense 2,791 (114 ) 0 2,677 Net income 7,015 6,557 (7,015 ) 6,557 Total assets 762,445 91,388 (90,605 ) 763,228 At or for the quarter ended September 30, 2020: Interest income - external customers $ 7,949 0 0 7,949 Non-interest income - external customers 4,396 0 0 4,396 Intersegment interest income 0 9 (9 ) 0 Intersegment non-interest income 58 3,251 (3,309 ) 0 Interest expense 665 0 (9 ) 656 Provision for loan losses 770 0 0 770 Non-interest expense 6,460 194 (58 ) 6,596 Income tax expense 1,257 (35 ) 0 1,222 Net income 3,251 3,101 (3,251 ) 3,101 Total assets 897,694 101,308 (100,550 ) 898,452 At or for the quarter ended September 30, 2019: Interest income - external customers $ 7,998 2 (2 ) 7,998 Non-interest income - external customers 2,227 0 0 2,227 Intersegment non-interest income 59 2,235 (2,294 ) 0 Interest expense 908 0 (2 ) 906 Provision for loan losses (420 ) 0 0 (420 ) Non-interest expense 6,604 202 (59 ) 6,747 Income tax expense 957 (41 ) 0 916 Net income 2,235 2,076 (2,235 ) 2,076 Total assets 762,445 91,388 (90,605 ) 763,228

Note 4 - Fair Value Measureme_2

Note 4 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Carrying value at September 30, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 118,564 0 118,564 0 Equity securities 127 0 127 0 Mortgage loan commitments 266 0 266 0 Total $ 118,957 0 118,957 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 September 30, 2020 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three months ended September 30, 2020 total gains Nine months ended September 30, 2020 total gains Loans held for sale $ 7,225 0 7,225 0 24 86 Mortgage servicing rights 2,880 0 2,880 0 0 0 Loans (1) 2,881 0 2,881 0 12 50 Real estate, net (2) 414 0 414 0 0 0 Total $ 13,400 0 13,400 0 36 136 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 2,172 0 2,172 0 0 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)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 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 $ 76,027 76,027 76,027 44,399 44,399 44,399 Securities available for sale 118,564 118,564 118,564 107,592 107,592 107,592 Equity securities 127 127 127 167 167 167 Loans held for sale 7,225 7,225 7,225 3,606 3,606 3,606 Loans receivable, net 670,297 674,804 674,804 596,392 600,863 600,863 Federal Home Loan Bank stock 932 932 932 854 854 854 Accrued interest receivable 4,236 4,236 4,236 2,251 2,251 2,251 Financial liabilities: Deposits 787,023 787,975 787,975 673,870 673,945 673,945 Accrued interest payable 225 225 225 420 420 420 Off-balance sheet financial instruments: Commitments to extend credit 266 266 191,522 14 14 178,804 Commitments to sell loans (102 ) (102 ) 48,199 (16 ) (16 ) 10,098

Note 6 - Other Comprehensive _2

Note 6 - Other Comprehensive Income (Loss) (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Comprehensive Income (Loss) [Table Text Block]	For the three months ended September 30, (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 (losses) gains arising during the period $ (281 ) (79 ) (202 ) 206 57 149 Other comprehensive income (loss) $ (281 ) (79 ) (202 ) 206 57 149 For the nine months ended September 30, (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 $ 1,800 503 1,297 1,491 416 1,075 Other comprehensive income $ 1,800 503 1,297 1,491 416 1,075

Note 7 - Securities Available_2

Note 7 - Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 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 Fair Value Unrealized # of Fair Value Unrealized Fair Value Unrealized Losses September 30, 2020 Mortgage-backed securities: Federal National Mortgage Association (FNMA) 2 $ 10,254 (35 ) 0 $ 0 0 $ 10,254 (35 ) Other marketable securities: Corporate obligations 1 37 (1 ) 0 0 0 37 (1 ) Corporate preferred stock 0 0 0 1 595 (105 ) 595 (105 ) Total temporarily impaired securities 3 $ 10,291 (36 ) 1 $ 595 (105 ) $ 10,886 (141 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Fair Value Unrealized # of Fair Value Unrealized Fair Value Unrealized 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 Gross unrealized Fair value September 30, 2020: Mortgage-backed securities: FNMA $ 52,922 1,388 (35 ) 54,275 Federal Home Loan Mortgage Corporation (FHLMC) 16,783 272 0 17,055 Collateralized mortgage obligations: FNMA 121 7 0 128 69,826 1,667 (35 ) 71,458 Other marketable securities: U.S. Government agency obligations 45,046 333 0 45,379 Municipal obligations 1,091 5 0 1,096 Corporate obligations 37 0 (1 ) 36 Corporate preferred stock 700 0 (105 ) 595 46,874 338 (106 ) 47,106 $ 116,700 2,005 (141 ) 118,564 Dollars in thousands) Amortized cost Gross unrealized 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 $ 63,341 64,159 Due after one year through five years 43,832 44,776 Due after five years through ten years 8,662 8,865 Due after ten years 865 764 Total $ 116,700 118,564

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Summary of Loans Receivable [Table Text Block]	(Dollars in thousands) September 30, 2020 December 31, Single family $ 130,843 120,064 Commercial real estate: Real estate rental and leasing 213,696 192,502 Other 170,211 157,693 383,907 350,195 Consumer 59,271 69,949 Commercial business 106,796 64,227 Total loans 680,817 604,435 Less: Unamortized discounts 13 15 Net deferred loan fees (costs) 975 (536 ) Allowance for loan losses 9,532 8,564 Total loans receivable, net $ 670,297 596,392

Note 9 - Allowance for Loan L_2

Note 9 - Allowance for Loan Losses and Credit Quality Information (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Single Family Commercial Consumer Commercial Total For the three months ended September 30, 2020: Balance, June 30, 2020 $ 938 5,382 1,464 865 8,649 Provision for losses 27 878 (64 ) (71 ) 770 Charge-offs 0 0 (29 ) (8 ) (37 ) Recoveries 0 0 5 145 150 Balance, September 30, 2020 $ 965 6,260 1,376 931 9,532 For the nin e months ended September 30, 2020 : Balance, December 31, 2019 $ 857 5,060 1,507 1,140 8,564 Provision for losses 108 1,913 (79 ) (394 ) 1,548 Charge-offs 0 (730 ) (74 ) (8 ) (812 ) Recoveries 0 17 22 193 232 Balance, September 30, 2020 $ 965 6,260 1,376 931 9,532 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 $ 31 5 63 17 116 General reserves 934 6,255 1,313 914 9,416 Balance, September 30, 2020 $ 965 6,260 1,376 931 9,532 Loans receivable at December 31, 201 9 : 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 September 30, 2020: Individually reviewed for impairment $ 708 1,537 707 45 2,997 Collectively reviewed for impairment 130,135 382,370 58,564 106,751 677,820 Ending balance $ 130,843 383,907 59,271 106,796 680,817 (Dollars in thousands) Single Family Commercial Consumer Commercial Total For the three months ended September 30, 2019: Balance, June 30, 2019 $ 867 4,762 1,632 1,363 8,624 Provision for losses 24 (42 ) (37 ) (365 ) (420 ) Charge-offs (2 ) 0 (46 ) 0 (48 ) Recoveries 0 0 2 37 39 Balance, September 30, 2019 $ 889 4,720 1,551 1,035 8,195 For the nine months ended September 30, 2019: Balance, December 31, 2018 $ 833 4,869 1,622 1,362 8,686 Provision for losses 58 (1,834 ) 13 311 (1,452 ) Charge-offs (2 ) 0 (92 ) (869 ) (963 ) Recoveries 0 1,685 8 231 1,924 Balance, September 30, 2019 $ 889 4,720 1,551 1,035 8,195
Financing Receivable Credit Quality Indicators [Table Text Block]	September 30, 2020 Classified Unclassified (Dollars in thousands) Special Substandard Doubtful Loss Total Total Total Loans Single family $ 274 2,313 31 0 2,618 128,225 130,843 Commercial real estate: Real estate rental and leasing 5,194 3,451 0 0 8,645 205,051 213,696 Other 5,537 5,574 0 0 11,111 159,100 170,211 Consumer 0 624 63 20 707 58,564 59,271 Commercial business 3,575 1,884 0 0 5,459 101,337 106,796 $ 14,580 13,846 94 20 28,540 652,277 680,817 December 31, 2019 Classified Unclassified (Dollars in thousands) Special 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 60-89 Days 90 Days or More Past Due Total Past Due Current Total Loans Loans 90 Days September 30, 2020 Single family $ 550 223 144 917 129,926 130,843 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 213,696 213,696 0 Other 0 0 185 185 170,026 170,211 0 Consumer 360 49 300 709 58,562 59,271 0 Commercial business 0 0 0 0 106,796 106,796 0 $ 910 272 629 1,811 679,006 680,817 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]	September 30, 2020 December 31, 2019 (Dollars in thousands) Recorded Unpaid Related Recorded Unpaid Related Loans with no related allowance recorded: Single family $ 588 607 0 544 563 0 Commercial real estate: Real estate rental and leasing 968 1,618 0 0 0 0 Other 399 479 0 0 0 0 Consumer 596 596 0 781 781 0 Loans with an allowance recorded: Single family 120 120 31 430 430 62 Commercial real estate: Real estate rental and leasing 170 170 5 184 184 16 Other 0 0 0 982 982 435 Consumer 111 111 63 195 195 119 Commercial business 45 597 17 735 1,287 93 Total: Single family 708 727 31 974 993 62 Commercial real estate: Real estate rental and leasing 1,138 1,788 5 184 184 16 Other 399 479 0 982 982 435 Consumer 707 707 63 976 976 119 Commercial business 45 597 17 735 1,287 93 $ 2,997 4,298 116 3,851 4,422 725 For the three months ended For the nine months ended September 30, 2020 (Dollars in thousands) Average Recorded Interest Income Average Investment Interest Income Loans with no related allowance recorded: Single family $ 606 6 585 23 Commercial real estate: Real estate rental and leasing 985 0 493 33 Other 401 0 340 2 Consumer 586 3 640 9 Commercial business 4 0 2 0 Loans with an allowance recorded: Single family 121 0 273 0 Commercial real estate: Real estate rental and leasing 173 0 177 0 Other 0 0 487 0 Consumer 142 0 169 2 Commercial business 50 1 242 2 Total: Single family 727 6 858 23 Commercial real estate: Real estate rental and leasing 1,158 0 670 33 Other 401 0 827 2 Consumer 728 3 809 11 Commercial business 54 1 244 2 $ 3,068 10 3,408 71 For the three months ended For the nine months ended September 30, 2019 (Dollars in thousands) Average Recorded Interest Income Average Interest Income Loans with no related allowance recorded: Single family $ 551 6 499 17 Commercial real estate: Other 0 0 13 0 Consumer 612 3 530 17 Loans with an allowance recorded: Single family 579 1 684 2 Commercial real estate: Real estate rental and leasing 191 0 195 0 Other 1,061 20 1,065 22 Consumer 192 3 241 8 Commercial business 248 3 286 8 Total: Single family 1,130 7 1,183 19 Commercial real estate: Real estate rental and leasing 191 0 195 0 Other 1,061 20 1,078 22 Consumer 804 6 771 25 Commercial business 248 3 286 8 $ 3,434 36 3,513 74
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) September 30, 2020 December 31, 2019 Single family $ 352 617 Commercial real estate: Real estate rental and leasing 1,138 184 Other 399 0 Consumer 641 659 Commercial business 11 621 $ 2,541 2,081
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	September 30, 2020 December 31, 2019 (Dollars in thousands) Accrual Non-Accrual Total Accrual Non-Accrual Total Single family $ 356 261 617 357 266 623 Commercial real estate 0 214 214 983 0 983 Consumer 66 589 655 316 429 745 Commercial business 35 0 35 114 0 114 $ 457 1,064 1,521 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 September 30, 2020 Nine Months Ended September 30, 2020 (Dollars in thousands) Number of Pre- Post- Number of Pre- modification Post- modification Troubled debt restructurings: Single family 0 $ 0 0 1 $ 94 101 Commercial real estate: Other 0 0 0 2 293 293 Total 0 $ 0 0 3 $ 387 394 Three Months Ended September 30, 2019 Nine Months Ended September 30, 2019 (Dollars in thousands) Number of Pre- modification Post- modification Number of Pre- modification Post- modification Troubled debt restructurings: Single family 0 $ 0 0 3 $ 176 181 Consumer 1 58 58 4 118 118 Total 1 $ 58 58 7 $ 294 299
Schedule of Deferred Loans [Table Text Block]	(Dollars in thousands) Balance Balance Commercial real estate loans by industry: Hotels (1) $ 54,660 54,660 Retail/Office 7,127 20,322 Theaters 11,269 11,269 Multi-family 0 11,195 Single family 0 4,675 Restaurant/Bar 2,876 4,477 Other 5,747 9,449 Total commercial loans 81,679 116,047 Consumer loans by collateral type: Single family 366 2,955 Other 0 77 Total consumer loans 366 3,032 Total deferred loans $ 82,045 119,079

Note 10 - Intangible Assets (Ta

Note 10 - Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Servicing Liability at Amortized Cost [Table Text Block]	(Dollars in thousands) Nine Months ended Twelve Months ended December 31, 2019 Nine Months ended September 30, 2019 Balance, beginning of period $ 2,172 1,855 1,855 Originations 1,710 1,097 674 Amortization (1,002 ) (780 ) (535 ) Balance, end of period $ 2,880 2,172 1,994 Fair value of mortgage servicing rights $ 2,956 3,390 2,922
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 $ 380,018 3.74 % 311 2,593 Original term 15 year fixed rate 117,870 3.03 140 1,064
Schedule of Finite-Lived Intangible Assets [Table Text Block]	September 30, 2020 Gross (Dollars in thousands) Carrying Amount Accumulated Amortization Unamortized Amount Mortgage servicing rights $ 6,018 (3,138 ) 2,880 Core deposit intangible 574 (492 ) 82 Goodwill 802 0 802 Total $ 7,394 (3,630 ) 3,764 December 31, 2019 Gross (Dollars in thousands) Carrying Amount Accumulated Amortization Unamortized Amount 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 Core Deposit Total Amortizing Year ended December 31, 2020 $ 156 25 181 2021 596 47 643 2022 550 10 560 2023 495 0 495 2024 437 0 437 Thereafter 646 0 646 Total $ 2,880 82 2,962

Note 11 - Leases (Tables)

Note 11 - Leases (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Lease, Cost [Table Text Block]	(Dollars in thousands) Three Months Ended Nine Months Ended Operating lease cost $ 224 669
Other Information Related to Operating Leases [Table Text Block]	(Dollars in thousands) Three Months Three Months Nine Months Nine Months Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 224 221 669 667 Weighted-average remaining lease term – operating leases, in years 3.9 5.0 3.9 5.0 Weighted-average discount rate – operating leases 2.19 % 2.19 % 2.19 % 2.19 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	(Dollars in thousands) September 30, 2020 2020 $ 222 2021 902 2022 924 2023 802 2024 667 2025 and thereafter 11 Total lease payments 3,528 Less: Interest (153 ) Present value of lease liabilities $ 3,375

Note 12 - Earnings Per Common_2

Note 12 - Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended September 30, Nine Months Ended September 30, (In thousands, except per share data) 2020 2019 2020 2019 Weighted average number of common shares outstanding used in basic earnings per share calculation 4,628 4,614 4,624 4,606 Net dilutive effect of: Restricted stock awards and options 23 28 26 29 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,651 4,642 4,650 4,635 Income available to common shareholders $ 3,101 2,076 7,177 6,557 Basic earnings per common share $ 0.67 0.45 1.55 1.42 Diluted earnings per common share $ 0.67 0.45 1.54 1.41

Note 13 - Regulatory Capital _2

Note 13 - Regulatory Capital and Oversight (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Required to be Excess Capital To Be Well Capitalized (Dollars in thousands) Amount Percent of Amount Percent of Amount Percent of Amount Percent of September 30, 2020 Common equity tier 1 capital $ 86,209 13.16 % $ 29,481 4.50 % $ 56,728 8.66 % $ 42,583 6.50 % Tier 1 capital leverage 86,209 9.73 35,432 4.00 50,777 5.73 44,291 5.00 Tier 1 risk-based capital 86,209 13.16 39,307 6.00 46,902 7.16 52,410 8.00 Total risk-based capital 94,414 14.41 52,410 8.00 42,004 6.41 65,512 10.00

Note 16 - Business Segments (Ta

Note 16 - Business Segments (Tables)	9 Months Ended
	Sep. 30, 2020
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	(Dollars in thousands) Home Federal Other Eliminations Consolidated At or for the nine months ended September 30, 2020: Interest income - external customers $ 23,676 0 0 23,676 Non-interest income - external customers 10,461 0 0 10,461 Intersegment interest income 0 32 (32 ) 0 Intersegment non-interest income 175 7,609 (7,784 ) 0 Interest expense 2,325 0 (32 ) 2,293 Provision for loan losses 1,548 0 0 1,548 Non-interest expense 19,863 562 (175 ) 20,250 Income tax expense 2,967 (98 ) 0 2,869 Net income 7,609 7,177 (7,609 ) 7,177 Total assets 897,694 101,308 (100,550 ) 898,452 At or for the nine months ended September 30, 2019: Interest income - external customers $ 24,029 2 (2 ) 24,029 Non-interest income - external customers 5,939 0 0 5,939 Intersegment non-interest income 176 7,015 (7,191 ) 0 Interest expense 2,427 0 (2 ) 2,425 Provision for loan losses (1,452 ) 0 0 (1,452 ) Non-interest expense 19,363 574 (176 ) 19,761 Income tax expense 2,791 (114 ) 0 2,677 Net income 7,015 6,557 (7,015 ) 6,557 Total assets 762,445 91,388 (90,605 ) 763,228 At or for the quarter ended September 30, 2020: Interest income - external customers $ 7,949 0 0 7,949 Non-interest income - external customers 4,396 0 0 4,396 Intersegment interest income 0 9 (9 ) 0 Intersegment non-interest income 58 3,251 (3,309 ) 0 Interest expense 665 0 (9 ) 656 Provision for loan losses 770 0 0 770 Non-interest expense 6,460 194 (58 ) 6,596 Income tax expense 1,257 (35 ) 0 1,222 Net income 3,251 3,101 (3,251 ) 3,101 Total assets 897,694 101,308 (100,550 ) 898,452 At or for the quarter ended September 30, 2019: Interest income - external customers $ 7,998 2 (2 ) 7,998 Non-interest income - external customers 2,227 0 0 2,227 Intersegment non-interest income 59 2,235 (2,294 ) 0 Interest expense 908 0 (2 ) 906 Provision for loan losses (420 ) 0 0 (420 ) Non-interest expense 6,604 202 (59 ) 6,747 Income tax expense 957 (41 ) 0 916 Net income 2,235 2,076 (2,235 ) 2,076 Total assets 762,445 91,388 (90,605 ) 763,228

Note 1 - HMN Financial, Inc. (D

Note 1 - HMN Financial, Inc. (Details Textual)	9 Months Ended
	Sep. 30, 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	Sep. 30, 2020	Dec. 31, 2019
Securities available for sale	$ 118,564	$ 107,592
Fair Value, Recurring [Member]
Securities available for sale	118,564	107,592
Equity securities	127	167
Mortgage loan commitments	266	14
Total	118,957	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	118,564	107,592
Equity securities	127	167
Mortgage loan commitments	266	14
Total	118,957	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		9 Months Ended		12 Months Ended
		Sep. 30, 2020		Sep. 30, 2020		Dec. 31, 2019
Loans held for sale, Total gains (losses)		$ 24		$ 86		$ (40)
Loans (1), Total gains (losses)		12	[1]	50	[1]	(28)
Real estate, net (2), Total gains (losses)		0	[2]	0	[2]	0
Total, Total gains (losses)		36		136		(68)
Fair Value, Nonrecurring [Member]
Loans held for sale		7,225		7,225		3,606
Mortgage servicing rights		2,880		2,880		2,172
Mortgage servicing rights, Total gains (losses)		0		0		0
Loans (1)	[1]	2,881		2,881		3,126
Real estate, net (2)	[2]	414		414		580
Total		13,400		13,400		9,484
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale		0		0		0
Mortgage servicing rights		0		0		0
Loans (1)	[1]	0		0		0
Real estate, net (2)	[2]	0		0		0
Total		0		0		0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale		7,225		7,225		3,606
Mortgage servicing rights		2,880		2,880		2,172
Loans (1)	[1]	2,881		2,881		3,126
Real estate, net (2)	[2]	414		414		580
Total		13,400		13,400		9,484
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale		0		0		0
Mortgage servicing rights		0		0		0
Loans (1)	[1]	0		0		0
Real estate, net (2)	[2]	0		0		0
Total		$ 0		$ 0		$ 0
[1]	Represents the carrying value of loans for which adjustments are based on the appraised value of the collateral. The carrying value of loans fully charged-off is zero.
[2]	Represents the fair value of foreclosed real estate and other collateral owned that were measured at fair value subsequent to their initial classification as foreclosed assets.

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	Sep. 30, 2020	Dec. 31, 2019
Securities available for sale	$ 118,564	$ 107,592
Loans receivable, net	670,297	596,392
Reported Value Measurement [Member]
Cash and cash equivalents	76,027	44,399
Securities available for sale	118,564	107,592
Equity securities	127	167
Loans held for sale	7,225	3,606
Loans receivable, net	670,297	596,392
Federal Home Loan Bank stock	932	854
Accrued interest receivable	4,236	2,251
Deposits	787,023	673,870
Accrued interest payable	225	420
Commitments to extend credit	266	14
Commitments to sell loans	(102)	(16)
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	76,027	44,399
Securities available for sale	118,564	107,592
Equity securities	127	167
Loans held for sale	7,225	3,606
Loans receivable, net	674,804	600,863
Federal Home Loan Bank stock	932	854
Accrued interest receivable	4,236	2,251
Deposits	787,975	673,945
Accrued interest payable	225	420
Commitments to extend credit	266	14
Commitments to sell loans	(102)	(16)
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	76,027	44,399
Securities available for sale
Equity securities
Loans held for sale
Loans receivable, net
Federal Home Loan Bank stock
Accrued interest receivable
Deposits
Accrued interest payable
Commitments to extend credit
Commitments to sell loans
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]
Cash and cash equivalents
Securities available for sale	118,564	107,592
Equity securities	127	167
Loans held for sale	7,225	3,606
Loans receivable, net	674,804	600,863
Federal Home Loan Bank stock	932	854
Accrued interest receivable	4,236	2,251
Deposits	787,975	673,945
Accrued interest payable	225	420
Commitments to extend credit
Commitments to sell loans
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]
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
Deposits
Accrued interest payable
Commitments to extend credit
Commitments to sell loans
Portion at Other than Fair Value Measurement [Member]
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
Deposits
Accrued interest payable
Commitments to extend credit	191,522	178,804
Commitments to sell loans	$ 48,199	$ 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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Other comprehensive income (loss), before tax	$ (281)	$ 206	$ 1,800	$ 1,491
Other comprehensive income (loss), tax	(79)	57	503	416
Other comprehensive income (loss), net of tax	$ (202)	$ 149	$ 1,297	$ 1,075

Note 7 - Securities Available_3

Note 7 - Securities Available for Sale (Details Textual) $ in Thousands	9 Months Ended
	Sep. 30, 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	Sep. 30, 2020USD ($)	Dec. 31, 2019USD ($)
Less Than Twelve Months # of Investments	3	4
Less Than Twelve Months Fair Value	$ 10,291	$ 12,143
Less Than Twelve Months Unrealized Losses	$ (36)	$ (65)
Twelve Months or More # of Investments	1	5
Twelve Months or More Fair Value	$ 595	$ 20,637
Twelve Months or More Unrealized Losses	(105)	(56)
Total fair value	10,886	32,780
Total temporarily impaired securities	$ (141)	$ (121)
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	2	4
Less Than Twelve Months Fair Value	$ 10,254	$ 12,143
Less Than Twelve Months Unrealized Losses	$ (35)	$ (65)
Twelve Months or More # of Investments	0	0
Twelve Months or More Fair Value	$ 0	$ 0
Twelve Months or More Unrealized Losses	0	0
Total fair value	10,254
Total temporarily impaired securities		(65)
Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member] | US Government Agencies Debt Securities [Member]
Total fair value		$ 12,143
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 temporarily impaired securities	$ (35)	$ (21)
Other Marketable Securities [Member] | Corporate Debt Securities [Member]
Less Than Twelve Months # of Investments	1
Less Than Twelve Months Fair Value	$ 37
Less Than Twelve Months Unrealized Losses	$ (1)
Twelve Months or More # of Investments	0
Twelve Months or More Fair Value	$ 0
Twelve Months or More Unrealized Losses	0
Total fair value	37
Total temporarily impaired securities	$ (1)
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	$ 595	$ 665
Twelve Months or More Unrealized Losses	(105)	(35)
Total fair value	595	665
Total temporarily impaired securities	$ (105)	$ (35)

Note 7 - Securities Available_5

Note 7 - Securities Available for Sale - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Securities available for sale, amortized cost	$ 116,700	$ 107,528
Investment securities available for sale, gross unrealized gains	2,005	185
Investment securities available for sale, gross unrealized losses	(141)	(121)
Securities available for sale	118,564	107,592
Collateralized Mortgage Backed Securities [Member]
Securities available for sale, amortized cost	69,826	54,777
Investment securities available for sale, gross unrealized gains	1,667	139
Investment securities available for sale, gross unrealized losses	(35)	(65)
Securities available for sale	71,458	54,851
Other Marketable Securities [Member]
Securities available for sale, amortized cost	46,874	52,751
Investment securities available for sale, gross unrealized gains	338	46
Investment securities available for sale, gross unrealized losses	(106)	(56)
Securities available for sale	47,106	52,741
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, amortized cost	52,922	46,604
Investment securities available for sale, gross unrealized gains	1,388	47
Investment securities available for sale, gross unrealized losses	(35)	(65)
Securities available for sale	54,275	46,586
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] | Collateralized Mortgage Obligations [Member]
Securities available for sale, amortized cost	121	169
Investment securities available for sale, gross unrealized gains	7	4
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	128	173
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] | Mortgage-backed Securities, Issued by US Government Sponsored Enterprises [Member]
Securities available for sale, amortized cost	16,783	8,004
Investment securities available for sale, gross unrealized gains	272	88
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	17,055	8,092
US Government Agencies Debt Securities [Member] | Other Marketable Securities [Member]
Securities available for sale, amortized cost	45,046	49,974
Investment securities available for sale, gross unrealized gains	333	39
Investment securities available for sale, gross unrealized losses	0	(21)
Securities available for sale	45,379	49,992
US States and Political Subdivisions Debt Securities [Member] | Other Marketable Securities [Member]
Securities available for sale, amortized cost	1,091	1,969
Investment securities available for sale, gross unrealized gains	5	7
Investment securities available for sale, gross unrealized losses	0	0
Securities available for sale	1,096	1,976
Corporate Debt Securities [Member] | Other Marketable Securities [Member]
Securities available for sale, amortized cost	37	108
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(1)	0
Securities available for sale	36	108
Preferred Stock [Member] | Other Marketable Securities [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	(105)	(35)
Securities available for sale	$ 595	$ 665

Note 7 - Securities Available_6

Note 7 - Securities Available for Sale - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Due less than one year, amortized cost	$ 63,341
Due less than one year, fair value	64,159
Due after one year through five years, amortized cost	43,832
Due after one year through five years, fair value	44,776
Due after five years through ten years, amortized cost	8,662
Due after five years through ten years, fair value	8,865
Due after ten years, amortized cost	865
Due after ten years, fair value	764
Total, amortized cost	116,700	$ 107,528
Total, fair value	$ 118,564	$ 107,592

Note 8 - Loans Receivable, Ne_2

Note 8 - Loans Receivable, Net - Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Jun. 30, 2020	Dec. 31, 2019	Sep. 30, 2019	Jun. 30, 2019	Dec. 31, 2018
Loans receivable	$ 680,817		$ 604,435
Unamortized discounts	13		15
Net deferred loan fees (costs)	975		(536)
Allowance for loan losses	9,532	$ 8,649	8,564	$ 8,195	$ 8,624	$ 8,686
Total loans receivable, net	670,297		596,392
Residential Portfolio Segment [Member]
Loans receivable	130,843		120,064
Allowance for loan losses	965	938	857	889	867	833
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	383,907		350,195
Allowance for loan losses	6,260	5,382	5,060	4,720	4,762	4,869
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	213,696		192,502
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	170,211		157,693
Consumer Portfolio Segment [Member]
Loans receivable	59,271		69,949
Allowance for loan losses	1,376	1,464	1,507	1,551	1,632	1,622
Commercial Portfolio Segment [Member]
Loans receivable	106,796		64,227
Allowance for loan losses	$ 931	$ 865	$ 1,140	$ 1,035	$ 1,363	$ 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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Jun. 30, 2020	Dec. 31, 2019	Jun. 30, 2019	Dec. 31, 2018
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	$ 2,541		$ 2,541			$ 2,081
Impaired Financing Receivable, Related Allowance	116		116			725
Loan Receivable for Which Value of Collateral Sufficient to Repay	2,200		2,200			800
Financing Receivable, Troubled Debt Restructuring	1,521		1,521			2,465
Financing Receivable, Troubled Debt Restructuring, Commitment to Lend	$ 1,300		$ 1,300			800
Loan to Value Ratio	75.00%		75.00%
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 0	$ 0	$ 0	$ 0
Financing Receivable, Troubled Debt Restructuring, Reserves	$ 100		$ 100			$ 600
Percentage Reserves For Loan Losses On Troubled Debt Restructurings	1.10%		1.10%			7.20%
Loans and Leases Receivable, Allowance, Ending Balance	$ 9,532	8,195	$ 9,532	8,195	$ 8,649	$ 8,564	$ 8,624	$ 8,686
Deferred Loan Payments	82,045		82,045		119,079
Commercial Real Estate Portfolio Segment [Member]
Impaired Financing Receivable, Related Allowance	5		5			451
Financing Receivable, Troubled Debt Restructuring	214		214			983
Loans and Leases Receivable, Allowance, Ending Balance	6,260	4,720	6,260	4,720	5,382	5,060	$ 4,762	$ 4,869
Deferred Loan Payments	81,679		81,679		$ 116,047
Hotel [Member] | MINNESOTA | Commercial Real Estate Portfolio Segment [Member]
Deferred Loan Payments	38,500		38,500
Hotel [Member] | Rochester, Minnesota [Member] | Commercial Real Estate Portfolio Segment [Member]
Deferred Loan Payments	21,300		21,300
Hotel [Member] | Minneapolis, Minnesota [Member]
Deferred Loan Payments	13,800		13,800
Hotel [Member] | St. Cloud, Minnesota {Member] | Commercial Real Estate Portfolio Segment [Member]
Deferred Loan Payments	3,400		3,400
Nonperforming Financial Instruments [Member]
Impaired Financing Receivable, Related Allowance	100		100			200
Financing Receivable, Troubled Debt Restructuring	1,064		1,064			695
Nonperforming Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Troubled Debt Restructuring	214		214			0
Performing Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring	457		457			1,770
Performing Financial Instruments [Member] | Commercial Real Estate Portfolio Segment [Member]
Financing Receivable, Troubled Debt Restructuring	0		0			$ 983
Performing Financial Instruments [Member] | Classified [Member]
Financing Receivable, Troubled Debt Restructuring	$ 0	$ 100	$ 0	$ 100

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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Dec. 31, 2019
Balance	$ 8,649	$ 8,624	$ 8,564	$ 8,686
Provision for losses	(770)	420	(1,548)	1,452
Charge-offs	(37)	(48)	(812)	(963)
Recoveries	150	39	232	1,924
Balance	9,532	8,195	9,532	8,195
Specific reserves					$ 116	$ 725
General reserves					9,416	7,839
Balance	8,649	8,195	8,564	8,686	9,532	8,564
Individually reviewed for impairment					2,997	3,851
Collectively reviewed for impairment					677,820	600,584
Ending balance					680,817	604,435
Residential Portfolio Segment [Member]
Balance	938	867	857	833
Provision for losses	(27)	(24)	(108)	(58)
Charge-offs	0	(2)	0	(2)
Recoveries	0	0	0	0
Balance	965	889	965	889
Specific reserves					31	62
General reserves					934	795
Balance	965	889	857	833	965	857
Individually reviewed for impairment					708	974
Collectively reviewed for impairment					130,135	119,090
Ending balance					130,843	120,064
Commercial Real Estate Portfolio Segment [Member]
Balance	5,382	4,762	5,060	4,869
Provision for losses	(878)	42	(1,913)	1,834
Charge-offs	0	0	(730)	0
Recoveries	0	0	17	1,685
Balance	6,260	4,720	6,260	4,720
Specific reserves					5	451
General reserves					6,255	4,609
Balance	6,260	4,720	5,060	4,869	6,260	5,060
Individually reviewed for impairment					1,537	1,166
Collectively reviewed for impairment					382,370	349,029
Ending balance					383,907	350,195
Consumer Portfolio Segment [Member]
Balance	1,464	1,632	1,507	1,622
Provision for losses	64	37	79	(13)
Charge-offs	(29)	(46)	(74)	(92)
Recoveries	5	2	22	8
Balance	1,376	1,551	1,376	1,551
Specific reserves					63	119
General reserves					1,313	1,388
Balance	1,376	1,551	1,507	1,622	1,376	1,507
Individually reviewed for impairment					707	976
Collectively reviewed for impairment					58,564	68,973
Ending balance					59,271	69,949
Commercial Portfolio Segment [Member]
Balance	865	1,363	1,140	1,362
Provision for losses	71	365	394	(311)
Charge-offs	(8)	0	(8)	(869)
Recoveries	145	37	193	231
Balance	931	1,035	931	1,035
Specific reserves					17	93
General reserves					914	1,047
Balance	$ 931	$ 1,035	$ 1,140	$ 1,362	931	1,140
Individually reviewed for impairment					45	735
Collectively reviewed for impairment					106,751	63,492
Ending balance					$ 106,796	$ 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	Sep. 30, 2020	Dec. 31, 2019
Loans receivable	$ 680,817	$ 604,435
Classified [Member]
Loans receivable	28,540	34,427
Classified [Member] | Special Mention [Member]
Loans receivable	14,580	14,768
Classified [Member] | Substandard [Member]
Loans receivable	13,846	19,490
Classified [Member] | Doubtful [Member]
Loans receivable	94	104
Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	20	65
Unclassified [Member]
Loans receivable	652,277	570,008
Residential Portfolio Segment [Member]
Loans receivable	130,843	120,064
Residential Portfolio Segment [Member] | Classified [Member]
Loans receivable	2,618	2,918
Residential Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	274	1,118
Residential Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	2,313	1,765
Residential Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	31	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	128,225	117,146
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	383,907	350,195
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	213,696	192,502
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	170,211	157,693
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Real Estate Loan [Member]
Loans receivable	8,645	12,603
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Commercial Real Estate Other [Member]
Loans receivable	11,111	9,704
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Special Mention [Member] | Real Estate Loan [Member]
Loans receivable	5,194	3,489
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Special Mention [Member] | Commercial Real Estate Other [Member]
Loans receivable	5,537	4,451
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Substandard [Member] | Real Estate Loan [Member]
Loans receivable	3,451	9,114
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Substandard [Member] | Commercial Real Estate Other [Member]
Loans receivable	5,574	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	205,051	179,899
Commercial Real Estate Portfolio Segment [Member] | Unclassified [Member] | Commercial Real Estate Other [Member]
Loans receivable	159,100	147,989
Consumer Portfolio Segment [Member]
Loans receivable	59,271	69,949
Consumer Portfolio Segment [Member] | Classified [Member]
Loans receivable	707	976
Consumer Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	0	0
Consumer Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	624	842
Consumer Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	63	69
Consumer Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	20	65
Consumer Portfolio Segment [Member] | Unclassified [Member]
Loans receivable	58,564	68,973
Commercial Portfolio Segment [Member]
Loans receivable	106,796	64,227
Commercial Portfolio Segment [Member] | Classified [Member]
Loans receivable	5,459	8,226
Commercial Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	3,575	5,710
Commercial Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	1,884	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	$ 101,337	$ 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	Sep. 30, 2020	Dec. 31, 2019
Loans past due	$ 1,811	$ 2,396
Current loans	679,006	602,039
Loans receivable	680,817	604,435
Loans 90 days or more past due and still accruing	0	0
Residential Portfolio Segment [Member]
Loans past due	917	922
Current loans	129,926	119,142
Loans receivable	130,843	120,064
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	383,907	350,195
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans past due	0	0
Current loans	213,696	192,502
Loans receivable	213,696	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	185	0
Current loans	170,026	157,693
Loans receivable	170,211	157,693
Loans 90 days or more past due and still accruing	0	0
Consumer Portfolio Segment [Member]
Loans past due	709	764
Current loans	58,562	69,185
Loans receivable	59,271	69,949
Loans 90 days or more past due and still accruing	0	0
Commercial Portfolio Segment [Member]
Loans past due	0	710
Current loans	106,796	63,517
Loans receivable	106,796	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	910	1,460
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	550	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	360	527
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans past due	0	147
Financial Asset, 60 to 89 Days Past Due [Member]
Loans past due	272	121
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	223	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	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans past due	49	31
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans past due	0	13
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans past due	629	815
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans past due	144	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	185	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans past due	300	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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Related allowance	$ 116		$ 116		$ 725
Recorded investment	2,997		2,997		3,851
Unpaid principal balance	4,298		4,298		4,422
Average recorded investment	3,068	$ 3,434	3,408	$ 3,513
Interest income recognized	10	36	71	74
Residential Portfolio Segment [Member]
Recorded investment, with no related allowance	588		588		544
Unpaid principal balance, with no related allowance	607		607		563
Recorded investment, with related allowance	120		120		430
Unpaid principal balance, with related allowance	120		120		430
Related allowance	31		31		62
Recorded investment	708		708		974
Unpaid principal balance	727		727		993
Average recorded investment, with no related allowance	606	551	585	499
Interest income recognized, with no related allowance	6	6	23	17
Average recorded investment, with related allowance	121	579	273	684
Interest income recognized, with related allowance	0	1	0	2
Average recorded investment	727	1,130	858	1,183
Interest income recognized	6	7	23	19
Commercial Real Estate Portfolio Segment [Member]
Related allowance	5		5		451
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Recorded investment, with no related allowance	968		968		0
Unpaid principal balance, with no related allowance	1,618		1,618		0
Recorded investment, with related allowance	170		170		184
Unpaid principal balance, with related allowance	170		170		184
Related allowance	5		5		16
Recorded investment	1,138		1,138		184
Unpaid principal balance	1,788		1,788		184
Average recorded investment, with no related allowance	985		493
Interest income recognized, with no related allowance	0		33
Average recorded investment, with related allowance	173	191	177	195
Interest income recognized, with related allowance	0	0	0	0
Average recorded investment	1,158		670
Interest income recognized	0	0	33	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Recorded investment, with no related allowance	399		399		0
Unpaid principal balance, with no related allowance	479		479		0
Recorded investment, with related allowance	0		0		982
Unpaid principal balance, with related allowance	0		0		982
Related allowance	0		0		435
Recorded investment	399		399		982
Unpaid principal balance	479		479		982
Average recorded investment, with no related allowance	401	0	340	13
Interest income recognized, with no related allowance	0	0	2	0
Average recorded investment, with related allowance	0	1,061	487	1,065
Interest income recognized, with related allowance	0	20	0	22
Average recorded investment	401	1,061	827	1,078
Interest income recognized	0	20	2	22
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance	596		596		781
Unpaid principal balance, with no related allowance	596		596		781
Recorded investment, with related allowance	111		111		195
Unpaid principal balance, with related allowance	111		111		195
Related allowance	63		63		119
Recorded investment	707		707		976
Unpaid principal balance	707		707		976
Average recorded investment, with no related allowance	586	612	640	530
Interest income recognized, with no related allowance	3	3	9	17
Average recorded investment, with related allowance	142	192	169	241
Interest income recognized, with related allowance	0	3	2	8
Average recorded investment	728	804	809	771
Interest income recognized	3	6	11	25
Commercial Portfolio Segment [Member]
Recorded investment, with no related allowance	45		45		735
Unpaid principal balance, with no related allowance	597		597		1,287
Recorded investment, with related allowance	45		45		735
Unpaid principal balance, with related allowance	597		597		1,287
Related allowance	17		17		$ 93
Average recorded investment, with no related allowance	4		2
Interest income recognized, with no related allowance	0		0
Average recorded investment, with related allowance	50	248	242	286
Interest income recognized, with related allowance	1	3	2	8
Average recorded investment	54	248	244	286
Interest income recognized	$ 1	$ 3	$ 2	$ 8

Note 9 - Allowance for Loan L_8

Note 9 - Allowance for Loan Losses and Credit Quality Information - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Non-accrual loans	$ 2,541	$ 2,081
Residential Portfolio Segment [Member]
Non-accrual loans	352	617
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Non-accrual loans	1,138	184
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Non-accrual loans	399	0
Consumer Portfolio Segment [Member]
Non-accrual loans	641	659
Commercial Portfolio Segment [Member]
Non-accrual loans	$ 11	$ 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	Sep. 30, 2020	Dec. 31, 2019
Troubled debt restructurings	$ 1,521	$ 2,465
Performing Financial Instruments [Member]
Troubled debt restructurings	457	1,770
Nonperforming Financial Instruments [Member]
Troubled debt restructurings	1,064	695
Residential Portfolio Segment [Member]
Troubled debt restructurings	617	623
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	356	357
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	261	266
Commercial Real Estate Portfolio Segment [Member]
Troubled debt restructurings	214	983
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	0	983
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	214	0
Consumer Portfolio Segment [Member]
Troubled debt restructurings	655	745
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	66	316
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	589	429
Commercial Portfolio Segment [Member]
Troubled debt restructurings	35	114
Commercial Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	35	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		9 Months Ended
	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)	Sep. 30, 2020USD ($)	Sep. 30, 2019USD ($)
Number of Contracts	0	1	3	7
Pre- modification Outstanding Recorded Investment	$ 0	$ 58	$ 387	$ 294
Post- modification Outstanding Recorded Investment	$ 0	$ 58	$ 394	$ 299
Residential Portfolio Segment [Member]
Number of Contracts	0	0	1	3
Pre- modification Outstanding Recorded Investment	$ 0	$ 0	$ 94	$ 176
Post- modification Outstanding Recorded Investment	$ 0	$ 0	$ 101	$ 181
Consumer Portfolio Segment [Member]
Number of Contracts		1		4
Pre- modification Outstanding Recorded Investment		$ 58		$ 118
Post- modification Outstanding Recorded Investment		$ 58		$ 118
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Number of Contracts	0		2
Pre- modification Outstanding Recorded Investment	$ 0		$ 293
Post- modification Outstanding Recorded Investment	$ 0		$ 293

Note 9 - Allowance for Loan _11

Note 9 - Allowance for Loan Losses and Credit Quality Information - Deferred Loans (Details) - USD ($) $ in Thousands		Sep. 30, 2020	Jun. 30, 2020
Deferred loans		$ 82,045	$ 119,079
Commercial Real Estate Portfolio Segment [Member]
Deferred loans		81,679	116,047
Commercial Real Estate Portfolio Segment [Member] | Hotels [Member]
Deferred loans	[1]	54,660	54,660
Commercial Real Estate Portfolio Segment [Member] | Retail/Office [Member]
Deferred loans		7,127	20,322
Commercial Real Estate Portfolio Segment [Member] | Theaters [Member]
Deferred loans		11,269	11,269
Commercial Real Estate Portfolio Segment [Member] | Multi Family [Member]
Deferred loans		0	11,195
Commercial Real Estate Portfolio Segment [Member] | Restaurant/Bar [Member]
Deferred loans		2,876	4,477
Commercial Real Estate Portfolio Segment [Member] | Other Industry Sectors [Member]
Deferred loans		5,747	9,449
Commercial Real Estate Portfolio Segment [Member] | Single Family Mortgages [Member]
Deferred loans		366	2,955
Consumer Portfolio Segment [Member]
Deferred loans		366	3,032
Consumer Portfolio Segment [Member] | Residential Real Estate [Member]
Deferred loans		0	4,675
Consumer Portfolio Segment [Member] | Other Consumer [Member]
Deferred loans		$ 0	$ 77
[1]	Approximately $38.5 million of the hotel properties are located in Minnesota with approximately $21.3 million located in Rochester, Minnesota, $13.8 million in the Minneapolis/St. Paul, Minnesota metro area, and $3.4 million in St. Cloud, Minnesota

Note 10 - Intangible Assets (De

Note 10 - Intangible Assets (Details Textual) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019
Amortization of Intangible Assets, Total	$ 1.1	$ 0.6

Note 10 - Intangible Assets - M

Note 10 - Intangible Assets - Mortgage Servicing Activity (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Balance	$ 2,172	$ 1,855	$ 1,855
Originations	1,710	674	1,097
Amortization	(1,002)	(535)	(780)
Balance	2,880	1,994	2,172
Fair value of mortgage servicing rights	$ 2,956	$ 2,922	$ 3,390

Note 10 - Intangible Assets - R

Note 10 - Intangible Assets - Risk Characteristics of Loans Being Serviced (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)
Original Term Thirty Year Fixed Rate [Member]
Loan Principal Balance	$ 380,018
Weighted Average Interest Rate	3.74%
Weighted Average Remaining Term (Month)	25 years 330 days
Number of Loans	2,593
Original Term Fifteen Year Fixed Rate [Member]
Loan Principal Balance	$ 117,870
Weighted Average Interest Rate	3.03%
Weighted Average Remaining Term (Month)	11 years 240 days
Number of Loans	1,064

Note 10 - Intangible Assets - G

Note 10 - Intangible Assets - Gross Carrying Amount and Accumulated Amortization of Intangible Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
Finite-lived intangible assets, accumulated amortization	$ (3,630)	$ (3,214)
Finite-lived intangible assets, unamortized intangible assets	2,962
Goodwill, gross carrying amount	802	802
Goodwill, accumulated impairment	0	0
Goodwill	802	802
Intangible assets (including goodwill), gross carrying amount	7,394	6,344
Intangible assets, unamortized intangible assets	3,764	3,130
Mortgage Servicing Rights [Member]
Finite-lived intangible assets, gross carrying amount	6,018	4,968
Finite-lived intangible assets, accumulated amortization	(3,138)	(2,796)
Finite-lived intangible assets, unamortized intangible assets	2,880	2,172
Core Deposits [Member]
Finite-lived intangible assets, gross carrying amount	574	574
Finite-lived intangible assets, accumulated amortization	(492)	(418)
Finite-lived intangible assets, unamortized intangible assets	$ 82	$ 156

Note 10 - Intangible Assets - E

Note 10 - Intangible Assets - Estimated Future Amortization Expense (Details) - USD ($) $ in Thousands	Sep. 30, 2020	Dec. 31, 2019
2020	$ 181
2021	643
2022	560
2023	495
2024	437
Thereafter	646
Total	2,962
Mortgage Servicing Rights [Member]
2020	156
2021	596
2022	550
2023	495
2024	437
Thereafter	646
Total	2,880	$ 2,172
Core Deposits [Member]
2020	25
2021	47
2022	10
2023	0
2024	0
Thereafter	0
Total	$ 82	$ 156

Note 11 - Leases (Details Textu

Note 11 - Leases (Details Textual) $ in Thousands	Sep. 30, 2020USD ($)
Minimum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)	1 year 300 days
Lessee, Operating Lease, Renewal Term (Year)	3 years
Maximum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)	4 years 180 days
Lessee, Operating Lease, Renewal Term (Year)	10 years
Other Assets [Member]
Operating Lease, Right-of-Use Asset	$ 3,400
Other Liabilities [Member]
Operating Lease, Liability, Total	$ 3,375

Note 11 - Leases - Operating Le

Note 11 - Leases - Operating Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2020	Sep. 30, 2020
Operating lease cost	$ 224	$ 669

Note 11 - Leases - Summary of O

Note 11 - Leases - Summary of Other Information Related to Operating Leases (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Cash paid for amounts included in the measurement of lease liabilities:
Operating cash flows from operating leases	$ 224	$ 221	$ 669	$ 667
Weighted-average remaining lease term – operating leases (Year)	3 years 328 days	5 years	3 years 328 days	5 years
Weighted-average discount rate – operating leases	2.19%	2.19%	2.19%	2.19%

Note 11 - Leases - Maturity of

Note 11 - Leases - Maturity of Remaining Lease Liabilities (Details) $ in Thousands	Sep. 30, 2020USD ($)
2020	$ 222
2021	902
2022	924
2023	802
2024	667
2025 and thereafter	11
Total lease payments	3,528
Less: Interest	(153)
Other Liabilities [Member]
Operating Lease, Liability, Total	$ 3,375

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		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019
Weighted average number of common shares outstanding used in basic earnings per share calculation (in shares)	4,628	4,614	4,624	4,606
Restricted stock awards and options (in shares)	23	28	26	29
Weighted average number of shares outstanding adjusted for effect of dilutive securities (in shares)	4,651	4,642	4,650	4,635
Net income	$ 3,101	$ 2,076	$ 7,177	$ 6,557
Basic earnings per share (in dollars per share)	$ 0.67	$ 0.45	$ 1.55	$ 1.42
Diluted earnings per share (in dollars per share)	$ 0.67	$ 0.45	$ 1.54	$ 1.41

Note 13 - Regulatory Capital _3

Note 13 - Regulatory Capital and Oversight (Details Textual) - USD ($) $ in Millions	Jan. 01, 2019	Sep. 30, 2020
Banks Tangible Assets		$ 886.7
Adjusted Assets		885.8
Banking Regulation, Risk-Weighted Assets, Actual		$ 655.1
Capital Conservation Buffer	2.50%

Note 13 - Regulatory Capital _4

Note 13 - Regulatory Capital and Oversight - Capital Amounts and Ratios (Details) $ in Thousands	Sep. 30, 2020USD ($)
Common equity tier 1 capital, actual amount	$ 86,209
Common equity tier 1 capital, actual percent of asset	0.1316
Common equity tier 1 capital, amount required to be adequately capitalized	$ 29,481
Common equity tier 1 capital, percent of assets required to be adequately capitalized	0.045
Common equity tier 1 capital, excess capital amount	$ 56,728
Common equity tier 1 capital, excess capital percent of assets	0.0866
Common equity tier 1 capital, amount to be well capitalized under prompt corrective action provisions	$ 42,583
Common equity tier 1 capital, percent of assets to be well capitalized under prompt corrective action provisions	0.065
Tier 1 capital leverage, actual amount	$ 86,209
Tier 1 capital leverage, actual percent of asset	0.0973
Tier 1 capital leverage, amount required to be adequately capitalized	$ 35,432
Tier 1 capital leverage, percent of assets required to be adequately capitalized	0.04
Tier 1 capital leverage, excess capital amount	$ 50,777
Tier 1 capital leverage, excess capital percent of assets	0.0573
Tier 1 capital leverage, amount to be well capitalized under prompt corrective action provisions	$ 44,291
Tier 1 capital leverage, percent of assets to be well capitalized under prompt corrective action provisions	0.05
Tier 1 risk-based capital, actual amount	$ 86,209
Tier 1 risk-based capital, actual percent of asset	0.1316
Tier 1 risk-based capital, amount required to be adequately capitalized	$ 39,307
Tier 1 risk-based capital, percent of assets required to be adequately capitalized	0.06
Tier 1 risk-based capital, excess capital amount	$ 46,902
Tier 1 risk-based capital, excess capital percent of assets	0.0716
Tier 1 risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 52,410
Tier 1 risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.08
Total risk-based capital, actual amount	$ 94,414
Total risk-based capital, actual percent of asset	0.1441
Total risk-based capital, amount required to be adequately capitalized	$ 52,410
Total risk-based capital, percent of assets required to be adequately capitalized	0.08
Total risk-based capital, excess capital amount	$ 42,004
Total risk-based capital, excess capital percent of assets	0.0641
Total risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 65,512
Total risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.1

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity (Details Textual) - USD ($) shares in Thousands, $ in Thousands	3 Months Ended
	Sep. 30, 2020	Jun. 30, 2020
Treasury Stock, Shares, Acquired (in shares)	0	0
Dividends, Common Stock, Cash	$ 0
New Share Repurchase Program [Member]
Stock Repurchase Program, Authorized Amount	$ 5,600

Note 15 - Commitments and Con_2

Note 15 - Commitments and Contingencies (Details Textual) $ in Thousands	9 Months Ended
	Sep. 30, 2020USD ($)
Letters of Credit Issued and Available Amount	$ 7,000
Line of Credit Facility, Expiration Period (Month)	1 year 60 days
Loss Contingency, Damages Sought, Value	$ 1,900
Minimum [Member]
Loss Contingency, Estimate of Possible Loss	0
Maximum [Member]
Loss Contingency, Estimate of Possible Loss	$ 900

Note 16 - Business Segments - P

Note 16 - Business Segments - Profit and Assets for the Reportable Segments (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2020	Sep. 30, 2019	Sep. 30, 2020	Sep. 30, 2019	Dec. 31, 2019
Interest income - external customers	$ 7,949	$ 7,998	$ 23,676	$ 24,029
Non-interest income - external customers	4,396	2,227	10,461	5,939
Intersegment interest income	0		0
Intersegment non-interest income	0	0	0	0
Interest expense	656	906	2,293	2,425
Provision for loan losses	770	(420)	1,548	(1,452)
Non-interest expense	6,596	6,747	20,250	19,761
Income tax expense	1,222	916	2,869	2,677
Net income	3,101	2,076	7,177	6,557
Total assets	898,452	763,228	898,452	763,228	$ 777,639
Consolidation, Eliminations [Member]
Interest income - external customers	0	(2)	0	(2)
Non-interest income - external customers	0	0	0	0
Intersegment interest income	(9)		(32)
Intersegment non-interest income	(3,309)	(2,294)	(7,784)	(7,191)
Interest expense	(9)	(2)	(32)	(2)
Provision for loan losses	0	0	0	0
Non-interest expense	(58)	(59)	(175)	(176)
Income tax expense	0	0	0	0
Net income	(3,251)	(2,235)	(7,609)	(7,015)
Total assets	(100,550)	(90,605)	(100,550)	(90,605)
Home Federal Savings Bank [Member] | Operating Segments [Member]
Interest income - external customers	7,949	7,998	23,676	24,029
Non-interest income - external customers	4,396	2,227	10,461	5,939
Intersegment interest income	0		0
Intersegment non-interest income	58	59	175	176
Interest expense	665	908	2,325	2,427
Provision for loan losses	770	(420)	1,548	(1,452)
Non-interest expense	6,460	6,604	19,863	19,363
Income tax expense	1,257	957	2,967	2,791
Net income	3,251	2,235	7,609	7,015
Total assets	897,694	762,445	897,694	762,445
Other Segments [Member] | Operating Segments [Member]
Interest income - external customers	0	2	0	2
Non-interest income - external customers	0	0	0	0
Intersegment interest income	9		32
Intersegment non-interest income	3,251	2,235	7,609	7,015
Interest expense	0	0	0	0
Provision for loan losses	0	0	0	0
Non-interest expense	194	202	562	574
Income tax expense	(35)	(41)	(98)	(114)
Net income	3,101	2,076	7,177	6,557
Total assets	$ 101,308	$ 91,388	$ 101,308	$ 91,388