HMN Financial (HMNF) 10-Q 2 Nov 22 2022 Q3 Quarterly report Financial data

Document And Entity Information

Document And Entity Information - shares	9 Months Ended
	Sep. 30, 2022	Oct. 25, 2022
Document Information [Line Items]
Entity Central Index Key	0000921183
Entity Registrant Name	HMN FINANCIAL INC
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Document Fiscal Period Focus	Q3
Document Fiscal Year Focus	2022
Document Type	10-Q
Document Quarterly Report	true
Document Period End Date	Sep. 30, 2022
Document Transition Report	false
Entity File Number	0-24100
Entity Incorporation, State or Country Code	DE
Entity Tax Identification Number	41-1777397
Entity Address, Address Line One	1016 Civic Center Drive N.W.
Entity Address, City or Town	Rochester
Entity Address, State or Province	MN
Entity Address, Postal Zip Code	55901
City Area Code	507
Local Phone Number	535-1200
Title of 12(b) Security	Common Stock
Trading Symbol	HMNF
Security Exchange Name	NASDAQ
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Shell Company	false
Entity Common Stock, Shares Outstanding		4,480,976

Consolidated Balance Sheets (Cu

Consolidated Balance Sheets (Current Period Unaudited) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Assets
Cash and cash equivalents	$ 18,645	$ 94,143
Securities available for sale	249,212	285,765
Loans held for sale	1,934	5,575
Loans receivable, net	740,280	652,502
Accrued interest receivable	2,662	2,132
Mortgage servicing rights, net	3,117	3,280
Premises and equipment, net	16,751	17,373
Goodwill	802	802
Core deposit intangible	0	10
Prepaid expenses and other assets	5,087	5,427
Deferred tax asset, net	9,303	2,529
Total assets	1,047,793	1,069,538
Deposits	947,557	950,666
Accrued interest payable	53	63
Customer escrows	3,332	2,143
Accrued expenses and other liabilities	7,141	6,635
Total liabilities	958,083	959,507
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	40,894	40,740
Retained earnings, subject to certain restrictions	136,230	131,413
Accumulated other comprehensive loss	(25,041)	(1,583)
Unearned employee stock ownership plan shares	(1,111)	(1,256)
Treasury stock, at cost 4,647,686 and 4,564,087 shares	(61,353)	(59,374)
Total stockholders’ equity	89,710	110,031
Total liabilities and stockholders’ equity	1,047,793	1,069,538
Collateralized Mortgage-Backed Securities [Member]
Assets
Securities available for sale	195,952	245,397
Other Debt Obligations [Member]
Assets
Securities available for sale	$ 53,260	$ 40,368

Consolidated Balance Sheets (_2

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities available for sale, amortized cost	$ 282,196	$ 287,966
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)	4,647,686	4,564,087
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	$ 226,499	$ 247,275
Other Debt Obligations [Member]
Securities available for sale, amortized cost	$ 55,697	$ 40,691

Consolidated Statements of Comp

Consolidated Statements of Comprehensive (Loss) Income (Unaudited) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Interest income:
Loans receivable	$ 7,473	$ 7,837	$ 21,389	$ 22,754
Securities available for sale:
Mortgage-backed and related	691	457	2,126	1,288
Other marketable	120	57	289	226
Other	347	50	449	116
Total interest income	8,631	8,401	24,253	24,384
Interest expense:
Deposits	340	360	910	1,223
Advances and other borrowings	0	0	5	0
Total interest expense	340	360	915	1,223
Net interest income	8,291	8,041	23,338	23,161
Provision for loan losses	579	(886)	941	(2,353)
Net interest income after provision for loan losses	7,712	8,927	22,397	25,514
Non-interest income:
Gain on sales of loans	414	1,471	2,096	4,909
Other	413	381	1,264	2,639
Total non-interest income	2,054	3,051	6,945	11,048
Non-interest expense:
Compensation and benefits	4,355	3,948	12,805	11,865
Occupancy and equipment	918	1,090	2,865	3,301
Data processing	513	384	1,443	1,099
Professional services	306	409	1,095	895
Other	1,082	1,075	3,201	3,205
Total non-interest expense	7,174	6,906	21,409	20,365
Income before income tax expense	2,592	5,072	7,933	16,197
Income tax expense	761	1,453	2,326	4,632
Net income	1,831	3,619	5,607	11,565
Other comprehensive loss, net of tax	(7,189)	(688)	(23,458)	(1,508)
Comprehensive (loss) income available to common stockholders	$ (5,358)	$ 2,931	$ (17,851)	$ 10,057
Basic earnings per common share (in dollars per share)	$ 0.42	$ 0.82	$ 1.28	$ 2.57
Diluted earnings per common share (in dollars per share)	$ 0.42	$ 0.81	$ 1.27	$ 2.55
Financial Service [Member]
Non-interest income:
Revenue from Contract with Customer	$ 821	$ 810	$ 2,397	$ 2,332
Bank Servicing [Member]
Non-interest income:
Revenue from Contract with Customer	$ 406	$ 389	$ 1,188	$ 1,168

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, 2020	$ 91	$ 40,480	$ 117,849	$ 1,282	$ (1,450)	$ (55,000)	$ 103,252
Net income			11,565				11,565
Other comprehensive income (loss)				(1,508)			(1,508)
Stock repurchases						(3,866)	(3,866)
Amortization of restricted stock awards		182					182
Earned employee stock ownership plan shares		170			146		316
Restricted stock awards		(222)				222	0
Stock awards withheld for tax withholding						(7)	(7)
Balance at Sep. 30, 2021	91	40,610	129,414	(226)	(1,304)	(58,651)	109,934
Balance at Jun. 30, 2021	91	40,484	125,795	462	(1,353)	(57,521)	107,958
Net income			3,619				3,619
Other comprehensive income (loss)				(688)			(688)
Stock repurchases						(1,130)	(1,130)
Amortization of restricted stock awards		61					61
Earned employee stock ownership plan shares		65			49		114
Balance at Sep. 30, 2021	91	40,610	129,414	(226)	(1,304)	(58,651)	109,934
Balance at Dec. 31, 2021	91	40,740	131,413	(1,583)	(1,256)	(59,374)	110,031
Net income			5,607				5,607
Other comprehensive income (loss)				(23,458)			(23,458)
Dividends paid to stockholders			(790)				(790)
Stock repurchases						(2,134)	(2,134)
Amortization of restricted stock awards		172					172
Earned employee stock ownership plan shares		207			145		352
Restricted stock awards		(225)				225	0
Stock awards withheld for tax withholding						(70)	(70)
Balance at Sep. 30, 2022	91	40,894	136,230	(25,041)	(1,111)	(61,353)	89,710
Balance at Jun. 30, 2022	91	40,775	134,661	(17,852)	(1,159)	(60,668)	95,848
Net income			1,831				1,831
Other comprehensive income (loss)				(7,189)			(7,189)
Dividends paid to stockholders			(262)				(262)
Stock repurchases						(685)	(685)
Amortization of restricted stock awards		55					55
Earned employee stock ownership plan shares		64			48		112
Balance at Sep. 30, 2022	$ 91	$ 40,894	$ 136,230	$ (25,041)	$ (1,111)	$ (61,353)	$ 89,710

Consolidated Statements of St_2

Consolidated Statements of Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2022
Common Stock, Dividends, Per Share, Cash Paid (in dollars per share)	$ 0.06	$ 0.18

Consolidated Statements of Cash

Consolidated Statements of Cash Flows (Unaudited) - USD ($) $ in Thousands	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Cash flows from operating activities:
Net income	$ 5,607	$ 11,565
Adjustments to reconcile net income to cash provided by operating activities:
Provision for loan losses	941	(2,353)
Depreciation	924	757
Amortization of premiums, net	783	709
Amortization of deferred loan fees	(388)	(2,342)
Amortization of purchased fair value adjustments	(18)	(20)
Amortization of mortgage servicing rights and servicing costs	695	881
Capitalized mortgage servicing rights	(532)	(1,070)
Deferred income tax expense	550	0
Losses (gains) recognized on equity securities	50	(69)
Gain on sale of premises	(6)	(15)
Gain on sales of real estate	(113)	(1,492)
Gain on sales of loans	(2,096)	(4,909)
Proceeds from sale of loans held for sale	81,275	147,153
Disbursements on loans held for sale	(61,820)	(133,807)
Amortization of restricted stock awards	172	182
Amortization of unearned Employee Stock Ownership Plan shares	145	146
Earned Employee Stock Ownership Plan shares priced above original cost	207	170
(Increase) decrease in accrued interest receivable	(530)	1,040
Decrease in accrued interest payable	(10)	(64)
Decrease in other assets	178	842
Increase (decrease) in other liabilities	506	(850)
Other, net	4	14
Net cash provided by operating activities	26,534	16,508
Cash flows from investing activities:
Principal collected on securities available for sale	35,032	27,739
Proceeds collected on maturities of securities available for sale	5,000	30,762
Purchases of securities available for sale	(35,043)	(148,149)
Purchase of Federal Home Loan Bank stock	(1,743)	(159)
Redemption of Federal Home Loan Bank stock	1,552	0
Proceeds from sales of real estate	402	2,128
Net (increase) decrease in loans receivable	(102,021)	17,323
Proceeds from sale of premises	9	16
Purchases of premises and equipment	(306)	(440)
Net cash used by investing activities	(97,118)	(70,780)
Cash flows from financing activities:
(Decrease) increase in deposits	(3,109)	120,098
Purchase of treasury stock	(2,134)	(3,866)
Stock awards withheld for tax withholding	(70)	(7)
Dividends to stockholders	(790)	0
Proceeds from borrowings	31,000	0
Repayment of borrowings	(31,000)	0
Increase in customer escrows	1,189	1,214
Net cash (used) provided by financing activities	(4,914)	117,439
(Decrease) increase in cash and cash equivalents	(75,498)	63,167
Cash and cash equivalents, beginning of period	94,143	86,269
Cash and cash equivalents, end of period	18,645	149,436
Supplemental cash flow disclosures:
Cash paid for interest	925	1,287
Cash paid for income taxes	2,399	5,310
Supplemental noncash flow disclosures:
Loans transferred to loans held for sale	13,708	7,757
Right to use assets obtained in exchange for lease liabilities	137	0
Core Deposits [Member]
Adjustments to reconcile net income to cash provided by operating activities:
Amortization of core deposit intangible	$ 10	$ 40

Note 1 - HMN Financial, Inc.

Note 1 - HMN Financial, Inc.	9 Months Ended
	Sep. 30, 2022
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 percent of Home Federal Savings Bank (the Bank). The Bank has a community banking philosophy and operates retail banking and loan production facilities in Minnesota, Iowa and Wisconsin. The Bank has two wholly owned subsidiaries, Osterud Insurance Agency, Inc. (OIA), which does business as Home Federal Investment Services and offers financial planning products and services, and HFSB Property Holdings, LLC (HPH), which is currently inactive, but has acted in the past as an intermediary for the Bank in holding and operating certain foreclosed properties. The consolidated financial statements included herein are for HMN, the Bank, OIA and HPH. All significant intercompany accounts and transactions have been eliminated in consolidation.

Note 2 - Basis of Preparation

Note 2 - Basis of Preparation	9 Months Ended
	Sep. 30, 2022
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 nine September 30, 2022 not may

Note 3 - New Accounting Standar

Note 3 - New Accounting Standards	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Accounting Standards Update and Change in Accounting Principle [Text Block]	( 3 New Accounting Standards In March 2022, 2022 02, Financial Instruments-Credit Losses (Topic 326 310 40, Receivables-Troubled Debt Restructurings by Creditors, 310 20 35 9 35 11 326 20, Financial Instruments-Credit Losses-Measured at Amortized Cost 326 20 50 6 . not 2016 13 2016 13 first 2023. 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, Credit Losses 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. third 326 first 2023.

Note 4 - Fair Value Measurement

Note 4 - Fair Value Measurements	9 Months Ended
	Sep. 30, 2022
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, 2022 December 31, 2021. Carrying Value at September 30, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 249,212 0 249,212 0 Equity securities 198 0 198 0 Mortgage loan commitments (49 ) 0 (49 ) 0 Total $ 249,361 0 249,361 0 Carrying Value at December 31, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 285,765 0 285,765 0 Equity securities 248 0 248 0 Mortgage loan commitments 26 0 26 0 Total $ 286,039 0 286,039 0 The Company may September 30, 2022 December 31, 2021. Carrying Value at September 30, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three Months Ended September 30, 2022 Total Losses Nine Months Ended September 30, 2022 Total Losses Loans held for sale $ 1,934 0 1,934 0 (1 ) (61 ) Mortgage servicing rights 3,117 0 3,117 0 0 0 Impaired loans 1,864 0 1,864 0 (34 ) (38 ) Total $ 6,915 0 6,915 0 (35 ) (99 ) Carrying Value at December 31, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year Ended December 31, 2021 Total Losses Loans held for sale $ 5,575 0 5,575 0 (56 ) Mortgage servicing rights 3,280 0 3,280 0 0 Impaired loans 4,244 0 4,244 0 (218 ) Real estate, net 290 0 290 0 0 Total $ 13,389 0 13,389 0 (274 )

Note 5 - Fair Value of Financia

Note 5 - Fair Value of Financial Instruments	9 Months Ended
	Sep. 30, 2022
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, 2022 December 31, 2021 no The estimated fair value of the Company’s financial instruments as of September 30, 2022 December 31, 2021 September 30, 2022 December 31, 2021 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 $ 18,645 18,645 18,645 94,143 94,143 94,143 Securities available for sale 249,212 249,212 249,212 285,765 285,765 285,765 Equity securities 198 198 198 248 248 248 Loans held for sale 1,934 1,934 1,934 5,575 5,575 5,575 Loans receivable, net 740,280 699,301 699,301 652,502 661,298 661,298 Federal Home Loan Bank stock 1,283 1,283 1,283 1,092 1,092 1,092 Accrued interest receivable 2,662 2,662 2,662 2,132 2,132 2,132 Financial liabilities: Deposits 947,557 945,335 945,335 950,666 950,558 950,558 Accrued interest payable 53 53 53 63 63 63 Off-balance sheet financial instruments: Commitments to extend credit (49 ) (49 ) 251,806 26 26 195,141 Commitments to sell loans 73 73 6,072 12 12 12,340 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 similar securities. Equity Securities The fair values of equity securities were based upon quoted market prices for similar securities. 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 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 (FHLB) Stock The carrying amount of FHLB stock approximates its fair value. Accrued Interest Receivable The carrying amount of accrued interest receivable approximates its fair value since it is short-term in nature and does not Deposits The fair value of demand deposits, savings accounts and certain money market account deposits is the amount payable on demand at the reporting date. The fair value of fixed maturity certificates of deposit is estimated using the rates currently offered for deposits of similar remaining maturities. The fair value disclosures for all of the deposits were adjusted to 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 (L

Note 6 - Other Comprehensive (Loss) Income	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Comprehensive Income (Loss) Note [Text Block]	( 6 Other Comprehensive Loss Other comprehensive loss is defined as the change in equity during a period from transactions and other events from non-owner sources. Comprehensive loss is the total of net income and other comprehensive loss, which for the Company is comprised of unrealized losses on securities available for sale. The components of other comprehensive loss and the related tax effects were as follows: For the Three Months Ended September 30, (Dollars in thousands) 2022 2021 Securities available for sale: Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Gross unrealized losses arising during the period $ (9,100 ) (1,911 ) (7,189 ) (957 ) (269 ) (688 ) Other comprehensive loss $ (9,100 ) (1,911 ) (7,189 ) (957 ) (269 ) (688 ) For the Nine Months Ended September 30, (Dollars in thousands) 2022 2021 Securities available for sale: Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Gross unrealized losses arising during the period $ (30,782 ) (7,324 ) (23,458 ) (2,092 ) (584 ) (1,508 ) Other comprehensive loss $ (30,782 ) (7,324 ) (23,458 ) (2,092 ) (584 ) (1,508 )

Note 7 - Securities Available f

Note 7 - Securities Available for Sale	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]	( 7 Securities Available For Sale The following table shows the gross unrealized losses and fair values for the securities available for sale portfolio, aggregated by investment category and length of time that individual securities have been in a continuous unrealized loss position at September 30, 2022 December 31, 2021. Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses September 30, 2022 Mortgage-backed securities: Federal National Mortgage Association (FNMA) 16 $ 47,032 (6,069 ) 18 $ 60,019 (10,126 ) $ 107,051 (16,195 ) Federal Home Loan Mortgage Corporation (FHLMC) 7 34,085 (5,107 ) 17 54,779 (9,242 ) 88,864 (14,349 ) Collateralized mortgage obligations: FNMA 1 37 (3 ) 0 0 0 37 (3 ) Other marketable securities: U.S. Government agency obligations 3 14,371 (629 ) 7 33,364 (1,633 ) 47,735 (2,262 ) Corporate preferred stock 0 0 0 1 525 (175 ) 525 (175 ) Total temporarily impaired securities 27 $ 95,525 (11,808 ) 43 $ 148,687 (21,176 ) $ 244,212 (32,984 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2021 Mortgage-backed securities: FNMA 19 $ 98,423 (1,234 ) 2 $ 6,810 (133 ) $ 105,233 (1,367 ) FHLMC 17 85,624 (1,038 ) 2 7,664 (151 ) 93,288 (1,189 ) Other marketable securities: U.S. Government agency obligations 7 34,659 (337 ) 0 0 0 34,659 (337 ) Corporate preferred stock 0 0 0 1 658 (42 ) 658 (42 ) Total temporarily impaired securities 43 $ 218,706 (2,609 ) 5 $ 15,132 (326 ) $ 233,838 (2,935 ) 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, 2022 September 30, 2022 not September 30, 2022, not may A summary of securities available for sale at September 30, 2022 December 31, 2021 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value September 30, 2022 Mortgage-backed securities: FNMA $ 123,246 0 (16,195 ) 107,051 FHLMC 103,213 0 (14,349 ) 88,864 Collateralized mortgage obligations: FNMA 40 0 (3 ) 37 226,499 0 (30,547 ) 195,952 Other marketable securities: U.S. Government agency obligations 54,997 0 (2,262 ) 52,735 Corporate preferred stock 700 0 (175 ) 525 55,697 0 (2,437 ) 53,260 $ 282,196 0 (32,984 ) 249,212 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2021 Mortgage-backed securities: FNMA $ 138,628 550 (1,367 ) 137,811 FHLMC 108,599 126 (1,189 ) 107,536 Collateralized mortgage obligations: FNMA 48 2 0 50 247,275 678 (2,556 ) 245,397 Other marketable securities: U.S. Government agency obligations 39,991 56 (337 ) 39,710 Corporate preferred stock 700 0 (42 ) 658 40,691 56 (379 ) 40,368 $ 287,966 734 (2,935 ) 285,765 The following table indicates amortized cost and estimated fair value of securities available for sale at September 30, 2022 (Dollars in thousands) Amortized Cost Fair Value Due one year or less $ 59,534 52,442 Due after one year through five years 170,935 152,099 Due after five years through fifteen years 51,723 44,667 Due after fifteen years 4 4 Total $ 282,196 249,212 The allocation of mortgage-backed securities in the table above is based upon the anticipated future cash flow of the securities using estimated mortgage prepayment speeds. The allocation of other marketable securities that have call features is based on the anticipated cash flows to the expected call date if it is anticipated that the security will be called, or to the maturity date if it is not

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net	9 Months Ended
	Sep. 30, 2022
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, 2022 December 31, 2021 September 30, December 31, (Dollars in thousands) 2022 2021 Single family $ 188,045 163,322 Commercial real estate: Real estate rental and leasing 241,362 209,666 Other 213,999 187,202 455,361 396,868 Consumer 44,224 41,645 Commercial business 63,236 60,165 Total loans 750,866 662,000 Less: Unamortized discounts 14 10 Net deferred loan fees 431 209 Allowance for loan losses 10,141 9,279 Total loans receivable, net $ 740,280 652,502

Note 9 - Allowance for Loan Los

Note 9 - Allowance for Loan Losses and Credit Quality Information	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Allowance For Loan Losses And Credit Quality Information [Text Block]	( 9 Allowance for Loan Losses and Credit Quality Information The allowance for loan losses is summarized as follows: (Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total For the three months ended September 30, 2022: Balance, June 30, 2022 $ 1,068 6,586 1,047 943 9,644 Provision for losses 77 505 12 (15 ) 579 Charge-offs 0 (90 ) (8 ) 0 (98 ) Recoveries 1 0 5 10 16 Balance, September 30, 2022 $ 1,146 7,001 1,056 938 10,141 For the nine months ended September 30, 2022 $ 974 6,388 981 936 9,279 Provision for losses 171 703 92 (25 ) 941 Charge-offs 0 (90 ) (24 ) 0 (114 ) Recoveries 1 0 7 27 35 Balance, September 30, 2022 $ 1,146 7,001 1,056 938 10,141 Allocated to: Specific reserves $ 36 280 83 7 406 General reserves 938 6,108 898 929 8,873 Balance, December 31, 2021 $ 974 6,388 981 936 9,279 Allocated to: Specific reserves $ 24 0 112 12 148 General reserves 1,122 7,001 944 926 9,993 Balance, September 30, 2022 $ 1,146 7,001 1,056 938 10,141 Loans receivable at December 31, 2021: Individually reviewed for impairment $ 340 3,757 546 7 4,650 Collectively reviewed for impairment 162,982 393,111 41,099 60,158 657,350 Ending balance $ 163,322 396,868 41,645 60,165 662,000 Loans receivable at September 30, 2022: Individually reviewed for impairment $ 732 179 462 639 2,012 Collectively reviewed for impairment 187,313 455,182 43,762 62,597 748,854 Ending balance $ 188,045 455,361 44,224 63,236 750,866 (Dollars in thousands) Single Commercial Consumer Commercial Business Total For the three months ended September 30, 2021: Balance, June 30, 2021 $ 929 7,033 1,039 914 9,915 Provision for losses 13 (713 ) (72 ) (114 ) (886 ) Recoveries 0 0 30 11 41 Balance, September 30, 2021 $ 942 6,320 997 811 9,070 For the nine months ended September 30, 2021: Balance, December 31, 2020 $ 1,030 7,295 1,389 985 10,699 Provision for losses (88 ) (1,625 ) (408 ) (232 ) (2,353 ) Charge-offs 0 0 (42 ) 0 (42 ) Recoveries 0 650 58 58 766 Balance, September 30, 2021 $ 942 6,320 997 811 9,070 The following table summarizes the amount of classified and unclassified loans at September 30, 2022 December 31, 2021: September 30, 2022 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 1,364 1,319 49 0 2,732 185,313 188,045 Commercial real estate: Real estate rental and leasing 14,878 3,576 0 0 18,454 222,908 241,362 Other 12,867 10,079 0 0 22,946 191,053 213,999 Consumer 0 357 18 87 462 43,762 44,224 Commercial business 1,262 2,445 0 0 3,707 59,529 63,236 $ 30,371 17,776 67 87 48,301 702,565 750,866 December 31, 2021 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 410 791 56 0 1,257 162,065 163,322 Commercial real estate: Real estate rental and leasing 16,012 4,753 0 0 20,765 188,901 209,666 Other 6,824 9,571 0 0 16,395 170,807 187,202 Consumer 0 475 21 50 546 41,099 41,645 Commercial business 1,933 1,813 0 0 3,746 56,419 60,165 $ 25,179 17,403 77 50 42,709 619,291 662,000 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, 2022 December 31, 2021 (Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Loans Total Loans Loans 90 Days or More Past Due and Still Accruing September 30, 2022 Single family $ 1,261 258 363 1,882 186,163 188,045 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 241,362 241,362 0 Other 0 0 0 0 213,999 213,999 0 Consumer 255 95 92 442 43,782 44,224 0 Commercial business 0 0 633 633 62,603 63,236 0 $ 1,516 353 1,088 2,957 747,909 750,866 0 December 31, 2021 Single family $ 864 65 153 1,082 162,240 163,322 0 Commercial real estate: Real estate rental and leasing 198 0 0 198 209,468 209,666 0 Other 226 3,402 0 3,628 183,574 187,202 0 Consumer 174 89 122 385 41,260 41,645 0 Commercial business 0 0 0 0 60,165 60,165 0 $ 1,462 3,556 275 5,293 656,707 662,000 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, 2022 December 31, 2021: September 30, 2022 December 31, 2021 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 684 702 0 253 272 0 Commercial real estate: Other 179 179 0 189 189 0 Consumer 307 307 0 419 419 0 Loans with an allowance recorded: Single family 48 48 24 87 87 36 Commercial real estate: Other 0 0 0 3,568 3,568 280 Consumer 155 155 112 127 127 83 Commercial business 639 639 12 7 7 7 Total: Single family 732 750 24 340 359 36 Commercial real estate: Other 179 179 0 3,757 3,757 280 Consumer 462 462 112 546 546 83 Commercial business 639 639 12 7 7 7 $ 2,012 2,030 148 4,650 4,669 406 The following table summarizes the average recorded investment and interest income recognized on impaired loans during the three nine September 30, 2022 2021: For the Three Months Ended For the Nine Months Ended (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 584 1 454 8 Commercial real estate: Other 180 5 183 7 Consumer 304 2 346 7 Loans with an allowance recorded: Single family 65 0 75 0 Commercial real estate: Other 1,643 0 2,555 0 Consumer 157 0 151 1 Commercial business 323 0 165 0 Total: Single family 649 1 529 8 Commercial real estate: Other 1,823 5 2,738 7 Consumer 461 2 497 8 Commercial business 323 0 165 0 $ 3,256 8 3,929 23 For the Three Months Ended September 30, 2021 For the Nine Months Ended September 30, 2021 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 390 0 564 4 Commercial real estate: Real estate rental and leasing 78 0 540 0 Other 193 0 199 0 Consumer 610 0 577 6 Loans with an allowance recorded: Single family 122 0 119 0 Commercial real estate: Real estate rental and leasing 163 0 123 7 Other 168 0 163 0 Consumer 114 3 138 1 Commercial business 22 0 29 1 Total: Single family 512 0 683 4 Commercial real estate: Real estate rental and leasing 241 0 663 7 Other 361 0 362 0 Consumer 724 3 715 7 Commercial business 22 0 29 1 $ 1,860 3 2,452 19 At September 30, 2022 December 31, 2021, no September 30, 2022 December 31, 2021, The non-accrual loans at September 30, 2022 December 31, 2021 (Dollars in thousands) September 30, 2022 December 31, 2021 Single family $ 732 $ 340 Commercial real estate: Other 0 3,757 Consumer 440 517 Commercial business 639 7 $ 1,811 $ 4,621 At September 30, 2022 December 31, 2021, third 2022, none not September 30, 2022. third 2021, none not September 30, 2021. The following table summarizes TDRs at September 30, 2022 December 31, 2021: September 30, 2022 December 31, 2021 (Dollars in thousands) Accruing Non-Accrual Total Accruing Non-Accrual Total Single family $ 0 206 206 0 254 254 Commercial real estate 179 0 179 0 355 355 Consumer 22 339 361 29 413 442 $ 201 545 746 29 1,022 1,051 TDR concessions can include reduction of interest rates, extension of maturity dates, forgiveness of principal and/or interest due, or acceptance of real estate or other assets in full or partial satisfaction of the debt. Loan modifications are not twelve twelve When a loan is modified in a TDR, there may may three nine September 30, 2022 2021. Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 (Dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial real estate: Other 0 $ 0 0 1 $ 165 165 Consumer 1 19 19 1 19 19 Total 1 $ 19 19 2 $ 184 184 Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 (Dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Troubled debt restructurings: Single family 1 $ 38 40 1 $ 38 40 Commercial real estate: Other 0 0 0 1 139 139 Consumer 0 0 0 1 93 94 Commercial business 0 0 0 1 14 14 Total 1 $ 38 40 4 $ 284 287 The following table summarizes the loans that were restructured in the twelve September 30, 2022 three nine September 30, 2022. Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 (Dollars in thousands) Number of Contracts Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Troubled debt restructurings that subsequently defaulted: Commercial real estate: Other 1 $ 162 1 $ 162 Total 1 $ 162 1 $ 162 There were no loans that were restructured within the twelve September 30, 2021 three nine September 30, 2021. 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 September 30, 2022 December 31, 2021. The Coronavirus Aid, Relief, and Economic Security Act March 27, 2020 Interagency Statement on Loan Modification and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus April 7, 2020. 4013 December 31, 2021. 19 September 30, 2022 September 30, 2021, 4013

Note 10 - Intangible Assets

Note 10 - Intangible Assets	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Intangible Assets Disclosure [Text Block]	( 10 Intangible Assets The Company’s intangible assets consist of core deposit intangibles, goodwill and mortgage servicing rights. A summary of mortgage servicing activity is as follows: (Dollars in thousands) Nine Months Ended September 30, 2022 Twelve Months Ended December 31, 2021 Nine Months Ended September 30, 2021 Balance, beginning of period $ 3,280 3,043 3,043 Originations 532 1,405 1,070 Amortization (695 ) (1,168 ) (881 ) Balance, end of period $ 3,117 3,280 3,232 Fair value of mortgage servicing rights $ 6,249 4,813 4,292 All of the loans sold where the Company continues to service the loans are serviced for FNMA under the individual loan sale program. The following is a summary of the risk characteristics of the loans being serviced for FNMA at September 30, 2022: Weighted Weighted Loan Average Average Principal Interest Remaining Number (Dollars in thousands) Balance Rate Term (months) of Loans Original term 15 year fixed rate $ 111,731 2.89 % 138 1,040 Original term 30 year fixed rate 429,994 3.51 309 2,681 Amortization expense for intangible assets was $0.7 million and $0.9 million for the nine September 30, 2022 2021, September 30, 2022 December 31, 2021 September 30, 2022 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,953 (2,836 ) 3,117 Core deposit intangible 154 (154 ) 0 Goodwill 802 0 802 Total $ 6,909 (2,990 ) 3,919 December 31, 2021 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,854 (2,574 ) 3,280 Core deposit intangible 574 (564 ) 10 Goodwill 802 0 802 Total $ 7,230 (3,138 ) 4,092 The following table indicates the estimated future amortization expense for mortgage servicing rights: (Dollars in thousands) Mortgage Servicing Rights Year ending December 31, 2022 $ 187 2023 698 2024 663 2025 597 2026 500 Thereafter 472 Total $ 3,117 No not may Projections of amortization are based on existing asset balances and the existing interest rate environment as of September 30, 2022. may

Note 11 - Leases

Note 11 - Leases	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Lessee, Operating Leases [Text Block]	( 11 Leases The Company accounts for its leases in accordance with ASU 2016 02, 842 The Company’s leases relate to office space and bank branches with remaining lease terms between twenty-three sixty-two three ten not not September 30, 2022, The table below summarizes the Company’s net lease cost for the three nine September 30, 2022. (Dollars in thousands) Three Months Ended Nine Months Ended Operating lease cost $ 57 172 The table below summarizes other information related to the Company’s operating leases: Three Months Ended Nine Months Ended (Dollars in thousands) September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 57 223 172 672 Weighted-average remaining lease term – operating leases, in years 3.0 3.0 3.0 3.0 Weighted-average discount rate – operating leases 2.63 % 2.19 % 2.63 % 2.19 % The decrease in the net lease cost and operating cash flows between the periods is related to the purchase of the combined corporate office and branch facility in Rochester, Minnesota during the fourth 2021. The table below summarizes the maturity of remaining lease liabilities at September 30, 2022: (Dollars in thousands) September 30, 2022 2022 $ 57 2023 232 2024 212 2025 58 2026 27 2027 and thereafter 25 Total lease payments 611 Less: Interest (25 ) Present value of lease liabilities $ 586

Note 12 - Earnings Per Common S

Note 12 - Earnings Per Common Share	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Earnings Per Share [Text Block]	( 12 Earnings per Common Share The following table reconciles the weighted average shares outstanding and the earnings available to common stockholders used for basic and diluted earnings per common share: Three Months Ended September 30, Nine Months Ended (Dollars in thousands, except per share data) 2022 2021 2022 2021 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,348,444 4,432,447 4,366,672 4,494,761 Net dilutive effect of: Restricted stock awards and options 30,652 33,421 32,651 33,122 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,379,096 4,465,868 4,399,323 4,527,883 Income available to common stockholders $ 1,831 3,619 5,607 11,565 Basic earnings per common share $ 0.42 0.82 1.28 2.57 Diluted earnings per common share $ 0.42 0.81 1.27 2.55

Note 13 - Regulatory Capital an

Note 13 - Regulatory Capital and Oversight	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Regulatory Capital Requirements under Banking Regulations [Text Block]	( 13 Regulatory Capital and Oversight The Bank is 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, 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 The FRB amended its Small Bank Holding Company Policy Statement (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 third 2022 September 30, 2022 Actual Required to be Adequately Capitalized Excess Capital To Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Common equity Tier 1 capital $ 97,772 11.47 % $ 38,360 4.50 % $ 59,412 6.97 % $ 55,409 6.50 % Tier 1 leverage 97,772 8.95 43,690 4.00 54,082 4.95 54,612 5.00 Tier 1 risk-based capital 97,772 11.47 51,147 6.00 46,625 5.47 68,196 8.00 Total risk-based capital 107,913 12.66 68,196 8.00 39,717 4.66 85,245 10.00 ( 1 1 The Bank must maintain a capital conservation buffer of 2.50% composed of common equity Tier 1 September 30, 2022, no

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Stockholders' Equity Note Disclosure [Text Block]	( 14 Stockholders Equity The Company repurchased 30,000 shares and 90,000 shares of its common stock in the open market for a gross purchase price of $0.7 million and $2.1 million under its share repurchase program during the third first nine 2022, September 30, 2022, three 6 March 9, 2022, June 7, 2022, September 7, 2022. first nine 2022

Note 15 - Commitments and Conti

Note 15 - Commitments and Contingencies	9 Months Ended
	Sep. 30, 2022
Notes to Financial Statements
Commitments and Contingencies Disclosure [Text Block]	( 15 Commitments and Contingencies The Bank issues standby letters of credit which guarantee the performance of customers to third September 30, 2022 twenty-six 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. 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 not

Note 16 - Business Segments

Note 16 - Business Segments	9 Months Ended
	Sep. 30, 2022
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 Savings Bank Other Eliminations Consolidated Total At or for the nine months ended September 30, 2022: Interest income – external customers $ 24,253 0 0 24,253 Non-interest income – external customers 6,945 0 0 6,945 Intersegment interest income 0 27 (27 ) 0 Intersegment non-interest income 176 6,052 (6,228 ) 0 Interest expense 942 0 (27 ) 915 Provision for loan losses 941 0 0 941 Non-interest expense 20,972 613 (176 ) 21,409 Income tax expense 2,467 (141 ) 0 2,326 Net income 6,052 5,607 (6,052 ) 5,607 Total assets 1,046,983 89,817 (89,007 ) 1,047,793 At or for the nine months ended September 30, 2021: Interest income – external customers $ 24,384 0 0 24,384 Non-interest income – external customers 11,047 1 0 11,048 Intersegment interest income 0 22 (22 ) 0 Intersegment non-interest income 176 12,054 (12,230 ) 0 Interest expense 1,245 0 (22 ) 1,223 Provision for loan losses (2,353 ) 0 0 (2,353 ) Non-interest expense 19,906 635 (176 ) 20,365 Income tax expense 4,755 (123 ) 0 4,632 Net income 12,054 11,565 (12,054 ) 11,565 Total assets 1,035,945 110,072 (109,402 ) 1,036,615 At or for the quarter ended September 30, 2022: Interest income – external customers $ 8,631 0 0 8,631 Non-interest income – external customers 2,054 0 0 2,054 Intersegment interest income 0 10 (10 ) 0 Intersegment non-interest income 59 1,981 (2,040 ) 0 Interest expense 350 0 (10 ) 340 Provision for loan losses 579 0 0 579 Non-interest expense 7,025 208 (59 ) 7,174 Income tax expense 809 (48 ) 0 761 Net income 1,981 1,831 (1,981 ) 1,831 Total assets 1,046,983 89,817 (89,007 ) 1,047,793 At or for the quarter ended September 30, 2021: Interest income – external customers $ 8,401 0 0 8,401 Non-interest income – external customers 3,051 0 0 3,051 Intersegment interest income 0 8 (8 ) 0 Intersegment non-interest income 59 3,773 (3,832 ) 0 Interest expense 368 0 (8 ) 360 Provision for loan losses (886 ) 0 0 (886 ) Non-interest expense 6,766 199 (59 ) 6,906 Income tax expense 1,490 (37 ) 0 1,453 Net income 3,773 3,619 (3,773 ) 3,619 Total assets 1,035,945 110,072 (109,402 ) 1,036,615

Note 4 - Fair Value Measureme_2

Note 4 - Fair Value Measurements (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]	Carrying Value at September 30, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 249,212 0 249,212 0 Equity securities 198 0 198 0 Mortgage loan commitments (49 ) 0 (49 ) 0 Total $ 249,361 0 249,361 0 Carrying Value at December 31, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Securities available for sale $ 285,765 0 285,765 0 Equity securities 248 0 248 0 Mortgage loan commitments 26 0 26 0 Total $ 286,039 0 286,039 0
Fair Value Measurements, Nonrecurring [Table Text Block]	Carrying Value at September 30, 2022 (Dollars in thousands) Total Level 1 Level 2 Level 3 Three Months Ended September 30, 2022 Total Losses Nine Months Ended September 30, 2022 Total Losses Loans held for sale $ 1,934 0 1,934 0 (1 ) (61 ) Mortgage servicing rights 3,117 0 3,117 0 0 0 Impaired loans 1,864 0 1,864 0 (34 ) (38 ) Total $ 6,915 0 6,915 0 (35 ) (99 ) Carrying Value at December 31, 2021 (Dollars in thousands) Total Level 1 Level 2 Level 3 Year Ended December 31, 2021 Total Losses Loans held for sale $ 5,575 0 5,575 0 (56 ) Mortgage servicing rights 3,280 0 3,280 0 0 Impaired loans 4,244 0 4,244 0 (218 ) Real estate, net 290 0 290 0 0 Total $ 13,389 0 13,389 0 (274 )

Note 5 - Fair Value of Financ_2

Note 5 - Fair Value of Financial Instruments (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Fair Value, by Balance Sheet Grouping [Table Text Block]	September 30, 2022 December 31, 2021 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 $ 18,645 18,645 18,645 94,143 94,143 94,143 Securities available for sale 249,212 249,212 249,212 285,765 285,765 285,765 Equity securities 198 198 198 248 248 248 Loans held for sale 1,934 1,934 1,934 5,575 5,575 5,575 Loans receivable, net 740,280 699,301 699,301 652,502 661,298 661,298 Federal Home Loan Bank stock 1,283 1,283 1,283 1,092 1,092 1,092 Accrued interest receivable 2,662 2,662 2,662 2,132 2,132 2,132 Financial liabilities: Deposits 947,557 945,335 945,335 950,666 950,558 950,558 Accrued interest payable 53 53 53 63 63 63 Off-balance sheet financial instruments: Commitments to extend credit (49 ) (49 ) 251,806 26 26 195,141 Commitments to sell loans 73 73 6,072 12 12 12,340

Note 6 - Other Comprehensive _2

Note 6 - Other Comprehensive (Loss) Income (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Comprehensive Income (Loss) [Table Text Block]	For the Three Months Ended September 30, (Dollars in thousands) 2022 2021 Securities available for sale: Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Gross unrealized losses arising during the period $ (9,100 ) (1,911 ) (7,189 ) (957 ) (269 ) (688 ) Other comprehensive loss $ (9,100 ) (1,911 ) (7,189 ) (957 ) (269 ) (688 ) For the Nine Months Ended September 30, (Dollars in thousands) 2022 2021 Securities available for sale: Before Tax Tax Effect Net of Tax Before Tax Tax Effect Net of Tax Gross unrealized losses arising during the period $ (30,782 ) (7,324 ) (23,458 ) (2,092 ) (584 ) (1,508 ) Other comprehensive loss $ (30,782 ) (7,324 ) (23,458 ) (2,092 ) (584 ) (1,508 )

Note 7 - Securities Available_2

Note 7 - Securities Available for Sale (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Unrealized Loss on Investments [Table Text Block]	Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses September 30, 2022 Mortgage-backed securities: Federal National Mortgage Association (FNMA) 16 $ 47,032 (6,069 ) 18 $ 60,019 (10,126 ) $ 107,051 (16,195 ) Federal Home Loan Mortgage Corporation (FHLMC) 7 34,085 (5,107 ) 17 54,779 (9,242 ) 88,864 (14,349 ) Collateralized mortgage obligations: FNMA 1 37 (3 ) 0 0 0 37 (3 ) Other marketable securities: U.S. Government agency obligations 3 14,371 (629 ) 7 33,364 (1,633 ) 47,735 (2,262 ) Corporate preferred stock 0 0 0 1 525 (175 ) 525 (175 ) Total temporarily impaired securities 27 $ 95,525 (11,808 ) 43 $ 148,687 (21,176 ) $ 244,212 (32,984 ) Less Than Twelve Months Twelve Months or More Total (Dollars in thousands) # of Investments Fair Value Unrealized Losses # of Investments Fair Value Unrealized Losses Fair Value Unrealized Losses December 31, 2021 Mortgage-backed securities: FNMA 19 $ 98,423 (1,234 ) 2 $ 6,810 (133 ) $ 105,233 (1,367 ) FHLMC 17 85,624 (1,038 ) 2 7,664 (151 ) 93,288 (1,189 ) Other marketable securities: U.S. Government agency obligations 7 34,659 (337 ) 0 0 0 34,659 (337 ) Corporate preferred stock 0 0 0 1 658 (42 ) 658 (42 ) Total temporarily impaired securities 43 $ 218,706 (2,609 ) 5 $ 15,132 (326 ) $ 233,838 (2,935 )
Debt Securities, Available-for-Sale [Table Text Block]	(Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value September 30, 2022 Mortgage-backed securities: FNMA $ 123,246 0 (16,195 ) 107,051 FHLMC 103,213 0 (14,349 ) 88,864 Collateralized mortgage obligations: FNMA 40 0 (3 ) 37 226,499 0 (30,547 ) 195,952 Other marketable securities: U.S. Government agency obligations 54,997 0 (2,262 ) 52,735 Corporate preferred stock 700 0 (175 ) 525 55,697 0 (2,437 ) 53,260 $ 282,196 0 (32,984 ) 249,212 (Dollars in thousands) Amortized Cost Gross Unrealized Gains Gross Unrealized Losses Fair Value December 31, 2021 Mortgage-backed securities: FNMA $ 138,628 550 (1,367 ) 137,811 FHLMC 108,599 126 (1,189 ) 107,536 Collateralized mortgage obligations: FNMA 48 2 0 50 247,275 678 (2,556 ) 245,397 Other marketable securities: U.S. Government agency obligations 39,991 56 (337 ) 39,710 Corporate preferred stock 700 0 (42 ) 658 40,691 56 (379 ) 40,368 $ 287,966 734 (2,935 ) 285,765
Available-for-Sale Securities [Member]
Notes Tables
Contractual Obligation, Fiscal Year Maturity [Table Text Block]	(Dollars in thousands) Amortized Cost Fair Value Due one year or less $ 59,534 52,442 Due after one year through five years 170,935 152,099 Due after five years through fifteen years 51,723 44,667 Due after fifteen years 4 4 Total $ 282,196 249,212

Note 8 - Loans Receivable, Net

Note 8 - Loans Receivable, Net (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Summary of Loans Receivable [Table Text Block]	September 30, December 31, (Dollars in thousands) 2022 2021 Single family $ 188,045 163,322 Commercial real estate: Real estate rental and leasing 241,362 209,666 Other 213,999 187,202 455,361 396,868 Consumer 44,224 41,645 Commercial business 63,236 60,165 Total loans 750,866 662,000 Less: Unamortized discounts 14 10 Net deferred loan fees 431 209 Allowance for loan losses 10,141 9,279 Total loans receivable, net $ 740,280 652,502

Note 9 - Allowance for Loan L_2

Note 9 - Allowance for Loan Losses and Credit Quality Information (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Financing Receivable, Allowance for Credit Loss [Table Text Block]	(Dollars in thousands) Single Family Commercial Real Estate Consumer Commercial Business Total For the three months ended September 30, 2022: Balance, June 30, 2022 $ 1,068 6,586 1,047 943 9,644 Provision for losses 77 505 12 (15 ) 579 Charge-offs 0 (90 ) (8 ) 0 (98 ) Recoveries 1 0 5 10 16 Balance, September 30, 2022 $ 1,146 7,001 1,056 938 10,141 For the nine months ended September 30, 2022 $ 974 6,388 981 936 9,279 Provision for losses 171 703 92 (25 ) 941 Charge-offs 0 (90 ) (24 ) 0 (114 ) Recoveries 1 0 7 27 35 Balance, September 30, 2022 $ 1,146 7,001 1,056 938 10,141 Allocated to: Specific reserves $ 36 280 83 7 406 General reserves 938 6,108 898 929 8,873 Balance, December 31, 2021 $ 974 6,388 981 936 9,279 Allocated to: Specific reserves $ 24 0 112 12 148 General reserves 1,122 7,001 944 926 9,993 Balance, September 30, 2022 $ 1,146 7,001 1,056 938 10,141 Loans receivable at December 31, 2021: Individually reviewed for impairment $ 340 3,757 546 7 4,650 Collectively reviewed for impairment 162,982 393,111 41,099 60,158 657,350 Ending balance $ 163,322 396,868 41,645 60,165 662,000 Loans receivable at September 30, 2022: Individually reviewed for impairment $ 732 179 462 639 2,012 Collectively reviewed for impairment 187,313 455,182 43,762 62,597 748,854 Ending balance $ 188,045 455,361 44,224 63,236 750,866 (Dollars in thousands) Single Commercial Consumer Commercial Business Total For the three months ended September 30, 2021: Balance, June 30, 2021 $ 929 7,033 1,039 914 9,915 Provision for losses 13 (713 ) (72 ) (114 ) (886 ) Recoveries 0 0 30 11 41 Balance, September 30, 2021 $ 942 6,320 997 811 9,070 For the nine months ended September 30, 2021: Balance, December 31, 2020 $ 1,030 7,295 1,389 985 10,699 Provision for losses (88 ) (1,625 ) (408 ) (232 ) (2,353 ) Charge-offs 0 0 (42 ) 0 (42 ) Recoveries 0 650 58 58 766 Balance, September 30, 2021 $ 942 6,320 997 811 9,070
Financing Receivable Credit Quality Indicators [Table Text Block]	September 30, 2022 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 1,364 1,319 49 0 2,732 185,313 188,045 Commercial real estate: Real estate rental and leasing 14,878 3,576 0 0 18,454 222,908 241,362 Other 12,867 10,079 0 0 22,946 191,053 213,999 Consumer 0 357 18 87 462 43,762 44,224 Commercial business 1,262 2,445 0 0 3,707 59,529 63,236 $ 30,371 17,776 67 87 48,301 702,565 750,866 December 31, 2021 Classified Unclassified (Dollars in thousands) Special Mention Substandard Doubtful Loss Total Total Total Loans Single family $ 410 791 56 0 1,257 162,065 163,322 Commercial real estate: Real estate rental and leasing 16,012 4,753 0 0 20,765 188,901 209,666 Other 6,824 9,571 0 0 16,395 170,807 187,202 Consumer 0 475 21 50 546 41,099 41,645 Commercial business 1,933 1,813 0 0 3,746 56,419 60,165 $ 25,179 17,403 77 50 42,709 619,291 662,000
Financing Receivable, Past Due [Table Text Block]	(Dollars in thousands) 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due Total Past Due Current Loans Total Loans Loans 90 Days or More Past Due and Still Accruing September 30, 2022 Single family $ 1,261 258 363 1,882 186,163 188,045 0 Commercial real estate: Real estate rental and leasing 0 0 0 0 241,362 241,362 0 Other 0 0 0 0 213,999 213,999 0 Consumer 255 95 92 442 43,782 44,224 0 Commercial business 0 0 633 633 62,603 63,236 0 $ 1,516 353 1,088 2,957 747,909 750,866 0 December 31, 2021 Single family $ 864 65 153 1,082 162,240 163,322 0 Commercial real estate: Real estate rental and leasing 198 0 0 198 209,468 209,666 0 Other 226 3,402 0 3,628 183,574 187,202 0 Consumer 174 89 122 385 41,260 41,645 0 Commercial business 0 0 0 0 60,165 60,165 0 $ 1,462 3,556 275 5,293 656,707 662,000 0
Impaired Financing Receivables [Table Text Block]	September 30, 2022 December 31, 2021 (Dollars in thousands) Recorded Investment Unpaid Principal Balance Related Allowance Recorded Investment Unpaid Principal Balance Related Allowance Loans with no related allowance recorded: Single family $ 684 702 0 253 272 0 Commercial real estate: Other 179 179 0 189 189 0 Consumer 307 307 0 419 419 0 Loans with an allowance recorded: Single family 48 48 24 87 87 36 Commercial real estate: Other 0 0 0 3,568 3,568 280 Consumer 155 155 112 127 127 83 Commercial business 639 639 12 7 7 7 Total: Single family 732 750 24 340 359 36 Commercial real estate: Other 179 179 0 3,757 3,757 280 Consumer 462 462 112 546 546 83 Commercial business 639 639 12 7 7 7 $ 2,012 2,030 148 4,650 4,669 406 For the Three Months Ended For the Nine Months Ended (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 584 1 454 8 Commercial real estate: Other 180 5 183 7 Consumer 304 2 346 7 Loans with an allowance recorded: Single family 65 0 75 0 Commercial real estate: Other 1,643 0 2,555 0 Consumer 157 0 151 1 Commercial business 323 0 165 0 Total: Single family 649 1 529 8 Commercial real estate: Other 1,823 5 2,738 7 Consumer 461 2 497 8 Commercial business 323 0 165 0 $ 3,256 8 3,929 23 For the Three Months Ended September 30, 2021 For the Nine Months Ended September 30, 2021 (Dollars in thousands) Average Recorded Investment Interest Income Recognized Average Recorded Investment Interest Income Recognized Loans with no related allowance recorded: Single family $ 390 0 564 4 Commercial real estate: Real estate rental and leasing 78 0 540 0 Other 193 0 199 0 Consumer 610 0 577 6 Loans with an allowance recorded: Single family 122 0 119 0 Commercial real estate: Real estate rental and leasing 163 0 123 7 Other 168 0 163 0 Consumer 114 3 138 1 Commercial business 22 0 29 1 Total: Single family 512 0 683 4 Commercial real estate: Real estate rental and leasing 241 0 663 7 Other 361 0 362 0 Consumer 724 3 715 7 Commercial business 22 0 29 1 $ 1,860 3 2,452 19
Financing Receivable, Nonaccrual [Table Text Block]	(Dollars in thousands) September 30, 2022 December 31, 2021 Single family $ 732 $ 340 Commercial real estate: Other 0 3,757 Consumer 440 517 Commercial business 639 7 $ 1,811 $ 4,621
Financing Receivable, Troubled Debt Restructuring [Table Text Block]	September 30, 2022 December 31, 2021 (Dollars in thousands) Accruing Non-Accrual Total Accruing Non-Accrual Total Single family $ 0 206 206 0 254 254 Commercial real estate 179 0 179 0 355 355 Consumer 22 339 361 29 413 442 $ 201 545 746 29 1,022 1,051
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, 2022 Nine Months Ended September 30, 2022 (Dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Troubled debt restructurings: Commercial real estate: Other 0 $ 0 0 1 $ 165 165 Consumer 1 19 19 1 19 19 Total 1 $ 19 19 2 $ 184 184 Three Months Ended September 30, 2021 Nine Months Ended September 30, 2021 (Dollars in thousands) Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Number of Contracts Pre- Modification Outstanding Recorded Investment Post- Modification Outstanding Recorded Investment Troubled debt restructurings: Single family 1 $ 38 40 1 $ 38 40 Commercial real estate: Other 0 0 0 1 139 139 Consumer 0 0 0 1 93 94 Commercial business 0 0 0 1 14 14 Total 1 $ 38 40 4 $ 284 287
Financing Receivable, Troubled Debt Restructuring, Subsequently Defaulted [Table Text Block]	Three Months Ended September 30, 2022 Nine Months Ended September 30, 2022 (Dollars in thousands) Number of Contracts Outstanding Recorded Investment Number of Contracts Outstanding Recorded Investment Troubled debt restructurings that subsequently defaulted: Commercial real estate: Other 1 $ 162 1 $ 162 Total 1 $ 162 1 $ 162

Note 10 - Intangible Assets (Ta

Note 10 - Intangible Assets (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Servicing Liability at Amortized Cost [Table Text Block]	(Dollars in thousands) Nine Months Ended September 30, 2022 Twelve Months Ended December 31, 2021 Nine Months Ended September 30, 2021 Balance, beginning of period $ 3,280 3,043 3,043 Originations 532 1,405 1,070 Amortization (695 ) (1,168 ) (881 ) Balance, end of period $ 3,117 3,280 3,232 Fair value of mortgage servicing rights $ 6,249 4,813 4,292
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 15 year fixed rate $ 111,731 2.89 % 138 1,040 Original term 30 year fixed rate 429,994 3.51 309 2,681
Schedule of Finite-Lived Intangible Assets [Table Text Block]	September 30, 2022 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,953 (2,836 ) 3,117 Core deposit intangible 154 (154 ) 0 Goodwill 802 0 802 Total $ 6,909 (2,990 ) 3,919 December 31, 2021 Gross Unamortized Carrying Accumulated Intangible (Dollars in thousands) Amount Amortization Assets Mortgage servicing rights $ 5,854 (2,574 ) 3,280 Core deposit intangible 574 (564 ) 10 Goodwill 802 0 802 Total $ 7,230 (3,138 ) 4,092
Schedule of Finite-Lived Intangible Assets, Future Amortization Expense [Table Text Block]	(Dollars in thousands) Mortgage Servicing Rights Year ending December 31, 2022 $ 187 2023 698 2024 663 2025 597 2026 500 Thereafter 472 Total $ 3,117

Note 11 - Leases (Tables)

Note 11 - Leases (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Lease, Cost [Table Text Block]	(Dollars in thousands) Three Months Ended Nine Months Ended Operating lease cost $ 57 172
Other Information Related to Operating Leases [Table Text Block]	Three Months Ended Nine Months Ended (Dollars in thousands) September 30, 2022 September 30, 2021 September 30, 2022 September 30, 2021 Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases $ 57 223 172 672 Weighted-average remaining lease term – operating leases, in years 3.0 3.0 3.0 3.0 Weighted-average discount rate – operating leases 2.63 % 2.19 % 2.63 % 2.19 %
Lessee, Operating Lease, Liability, Maturity [Table Text Block]	(Dollars in thousands) September 30, 2022 2022 $ 57 2023 232 2024 212 2025 58 2026 27 2027 and thereafter 25 Total lease payments 611 Less: Interest (25 ) Present value of lease liabilities $ 586

Note 12 - Earnings Per Common_2

Note 12 - Earnings Per Common Share (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Earnings Per Share, Basic and Diluted [Table Text Block]	Three Months Ended September 30, Nine Months Ended (Dollars in thousands, except per share data) 2022 2021 2022 2021 Weighted average number of common shares outstanding used in basic earnings per common share calculation 4,348,444 4,432,447 4,366,672 4,494,761 Net dilutive effect of: Restricted stock awards and options 30,652 33,421 32,651 33,122 Weighted average number of shares outstanding adjusted for effect of dilutive securities 4,379,096 4,465,868 4,399,323 4,527,883 Income available to common stockholders $ 1,831 3,619 5,607 11,565 Basic earnings per common share $ 0.42 0.82 1.28 2.57 Diluted earnings per common share $ 0.42 0.81 1.27 2.55

Note 13 - Regulatory Capital _2

Note 13 - Regulatory Capital and Oversight (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table Text Block]	Actual Required to be Adequately Capitalized Excess Capital To Be Well Capitalized Under Prompt Corrective Action Provisions (Dollars in thousands) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Amount Percent of Assets (1) Common equity Tier 1 capital $ 97,772 11.47 % $ 38,360 4.50 % $ 59,412 6.97 % $ 55,409 6.50 % Tier 1 leverage 97,772 8.95 43,690 4.00 54,082 4.95 54,612 5.00 Tier 1 risk-based capital 97,772 11.47 51,147 6.00 46,625 5.47 68,196 8.00 Total risk-based capital 107,913 12.66 68,196 8.00 39,717 4.66 85,245 10.00

Note 16 - Business Segments (Ta

Note 16 - Business Segments (Tables)	9 Months Ended
	Sep. 30, 2022
Notes Tables
Schedule of Segment Reporting Information, by Segment [Table Text Block]	(Dollars in thousands) Home Federal Savings Bank Other Eliminations Consolidated Total At or for the nine months ended September 30, 2022: Interest income – external customers $ 24,253 0 0 24,253 Non-interest income – external customers 6,945 0 0 6,945 Intersegment interest income 0 27 (27 ) 0 Intersegment non-interest income 176 6,052 (6,228 ) 0 Interest expense 942 0 (27 ) 915 Provision for loan losses 941 0 0 941 Non-interest expense 20,972 613 (176 ) 21,409 Income tax expense 2,467 (141 ) 0 2,326 Net income 6,052 5,607 (6,052 ) 5,607 Total assets 1,046,983 89,817 (89,007 ) 1,047,793 At or for the nine months ended September 30, 2021: Interest income – external customers $ 24,384 0 0 24,384 Non-interest income – external customers 11,047 1 0 11,048 Intersegment interest income 0 22 (22 ) 0 Intersegment non-interest income 176 12,054 (12,230 ) 0 Interest expense 1,245 0 (22 ) 1,223 Provision for loan losses (2,353 ) 0 0 (2,353 ) Non-interest expense 19,906 635 (176 ) 20,365 Income tax expense 4,755 (123 ) 0 4,632 Net income 12,054 11,565 (12,054 ) 11,565 Total assets 1,035,945 110,072 (109,402 ) 1,036,615 At or for the quarter ended September 30, 2022: Interest income – external customers $ 8,631 0 0 8,631 Non-interest income – external customers 2,054 0 0 2,054 Intersegment interest income 0 10 (10 ) 0 Intersegment non-interest income 59 1,981 (2,040 ) 0 Interest expense 350 0 (10 ) 340 Provision for loan losses 579 0 0 579 Non-interest expense 7,025 208 (59 ) 7,174 Income tax expense 809 (48 ) 0 761 Net income 1,981 1,831 (1,981 ) 1,831 Total assets 1,046,983 89,817 (89,007 ) 1,047,793 At or for the quarter ended September 30, 2021: Interest income – external customers $ 8,401 0 0 8,401 Non-interest income – external customers 3,051 0 0 3,051 Intersegment interest income 0 8 (8 ) 0 Intersegment non-interest income 59 3,773 (3,832 ) 0 Interest expense 368 0 (8 ) 360 Provision for loan losses (886 ) 0 0 (886 ) Non-interest expense 6,766 199 (59 ) 6,906 Income tax expense 1,490 (37 ) 0 1,453 Net income 3,773 3,619 (3,773 ) 3,619 Total assets 1,035,945 110,072 (109,402 ) 1,036,615

Note 1 - HMN Financial, Inc. (D

Note 1 - HMN Financial, Inc. (Details Textual)	9 Months Ended
	Sep. 30, 2022
Percentage Of Ownership In Subsidiaries	100%
Number of Wholly Owned Subsidiaries	2

Note 3 - New Accounting Stand_2

Note 3 - New Accounting Standards (Details Textual) - Forecast [Member]	Mar. 31, 2023
Minimum [Member]
Increase (Decrease) for Loans and Leases Receivable Allowance, Percentage	7%
Maximum [Member]
Increase (Decrease) for Loans and Leases Receivable Allowance, Percentage	11%

Note 4 - Fair Value Measureme_3

Note 4 - Fair Value Measurements - Assets and Liabilities Measured on Recurring Basis (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities available for sale	$ 249,212	$ 285,765
Fair Value, Recurring [Member]
Securities available for sale	249,212	285,765
Equity securities	198	248
Mortgage loan commitments	(49)	26
Total	249,361	286,039
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	249,212	285,765
Equity securities	198	248
Mortgage loan commitments	(49)	26
Total	249,361	286,039
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, 2022	Sep. 30, 2022	Dec. 31, 2021
Loans held for sale, Total gains (losses)	$ (1)	$ (61)	$ (56)
Mortgage servicing rights, Total gains (losses)	0	0	0
Impaired loanss, Total gains (losses)	(34)	(38)	(218)
Total, Total gains (losses)	(35)	(99)	(274)
Real estate, net, Total gains (losses)			0
Fair Value, Nonrecurring [Member]
Loans held for sale	1,934	1,934	5,575
Mortgage servicing rights	3,117	3,117	3,280
Impaired loans	1,864	1,864	4,244
Total	6,915	6,915	13,389
Real estate, net			290
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]
Loans held for sale	0	0	0
Mortgage servicing rights	0	0	0
Impaired loans	0	0	0
Total	0	0	0
Real estate, net			0
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]
Loans held for sale	1,934	1,934	5,575
Mortgage servicing rights	3,117	3,117	3,280
Impaired loans	1,864	1,864	4,244
Total	6,915	6,915	13,389
Real estate, net			290
Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 3 [Member]
Loans held for sale	0	0	0
Mortgage servicing rights	0	0	0
Impaired loans	0	0	0
Total	$ 0	$ 0	0
Real estate, net			$ 0

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, 2022	Dec. 31, 2021
Securities available for sale	$ 249,212	$ 285,765
Loans receivable, net	740,280	652,502
Reported Value Measurement [Member]
Cash and cash equivalents	18,645	94,143
Securities available for sale	249,212	285,765
Equity securities	198	248
Loans held for sale	1,934	5,575
Loans receivable, net	740,280	652,502
Federal Home Loan Bank stock	1,283	1,092
Accrued interest receivable	2,662	2,132
Deposits	947,557	950,666
Accrued interest payable	53	63
Commitments to extend credit	(49)	(26)
Commitments to extend credit	49	26
Commitments to sell loans	73	12
Estimate of Fair Value Measurement [Member]
Cash and cash equivalents	18,645	94,143
Securities available for sale	249,212	285,765
Equity securities	198	248
Loans held for sale	1,934	5,575
Loans receivable, net	699,301	661,298
Federal Home Loan Bank stock	1,283	1,092
Accrued interest receivable	2,662	2,132
Deposits	945,335	950,558
Accrued interest payable	53	63
Commitments to extend credit	(49)	(26)
Commitments to extend credit	49	26
Commitments to sell loans	73	12
Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]
Cash and cash equivalents	18,645	94,143
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 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	249,212	285,765
Equity securities	198	248
Loans held for sale	1,934	5,575
Loans receivable, net	699,301	661,298
Federal Home Loan Bank stock	1,283	1,092
Accrued interest receivable	2,662	2,132
Deposits	945,335	950,558
Accrued interest payable	53	63
Commitments to extend credit
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	(251,806)	(195,141)
Commitments to extend credit	251,806	195,141
Commitments to sell loans	$ 6,072	$ 12,340

Note 6 - Other Comprehensive In

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Gross unrealized losses arising during the period	$ (9,100)	$ (957)	$ (30,782)	$ (2,092)
Gross unrealized losses arising during the period	(1,911)	(269)	(7,324)	(584)
Gross unrealized losses arising during the period	(7,189)	(688)	(23,458)	(1,508)
Other comprehensive loss	(9,100)	(957)	(30,782)	(2,092)
Other comprehensive loss	(1,911)	(269)	(7,324)	(584)
Other comprehensive loss	$ (7,189)	$ (688)	$ (23,458)	$ (1,508)

Note 7 - Securities Available_3

Note 7 - Securities Available for Sale (Details Textual) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($)
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, 2022 USD ($)	Dec. 31, 2021 USD ($)
Less Than Twelve Months # of Investments	27	43
Less Than Twelve Months Fair Value	$ 95,525	$ 218,706
Less Than Twelve Months Unrealized Losses	$ (11,808)	$ (2,609)
Twelve Months or More # of Investments	43	5
Twelve Months or More Fair Value	$ 148,687	$ 15,132
Twelve Months or More Unrealized Losses	(21,176)	(326)
Total fair value	244,212	233,838
Total temporarily impaired securities	$ (32,984)	$ (2,935)
Collateralized Mortgage-Backed Securities [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Less Than Twelve Months # of Investments	16	19
Less Than Twelve Months Fair Value	$ 47,032	$ 98,423
Less Than Twelve Months Unrealized Losses	$ (6,069)	$ (1,234)
Twelve Months or More # of Investments	18	2
Twelve Months or More Fair Value	$ 60,019	$ 6,810
Twelve Months or More Unrealized Losses	(10,126)	(133)
Total fair value	107,051	105,233
Total temporarily impaired securities	$ (16,195)	$ (1,367)
Collateralized Mortgage-Backed Securities [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Less Than Twelve Months # of Investments	7	17
Less Than Twelve Months Fair Value	$ 34,085	$ 85,624
Less Than Twelve Months Unrealized Losses	$ (5,107)	$ (1,038)
Twelve Months or More # of Investments	17	2
Twelve Months or More Fair Value	$ 54,779	$ 7,664
Twelve Months or More Unrealized Losses	(9,242)	(151)
Total fair value	88,864	93,288
Total temporarily impaired securities	$ (14,349)	$ (1,189)
Collateralized Mortgage Obligations [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Less Than Twelve Months # of Investments	1
Less Than Twelve Months Fair Value	$ 37
Less Than Twelve Months Unrealized Losses	$ (3)
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	$ (3)
Other Marketable Securities [Member] | US Government Agencies Debt Securities [Member]
Less Than Twelve Months # of Investments	3	7
Less Than Twelve Months Fair Value	$ 14,371	$ 34,659
Less Than Twelve Months Unrealized Losses	$ (629)	$ (337)
Twelve Months or More # of Investments	7	0
Twelve Months or More Fair Value	$ 33,364	$ 0
Twelve Months or More Unrealized Losses	(1,633)	0
Total fair value	47,735	34,659
Total temporarily impaired securities	$ (2,262)	$ (337)
Other Marketable Securities [Member] | Preferred Stock [Member]
Less Than Twelve Months # of Investments	0	0
Less Than Twelve Months Fair Value	$ 0	$ 0
Less Than Twelve Months Unrealized Losses	$ 0	$ 0
Twelve Months or More # of Investments	1	1
Twelve Months or More Fair Value	$ 525	$ 658
Twelve Months or More Unrealized Losses	(175)	(42)
Total fair value	525	658
Total temporarily impaired securities	$ (175)	$ (42)

Note 7 - Securities Available_5

Note 7 - Securities Available for Sale - Summary of Securities Available for Sale (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Securities available for sale, amortized cost	$ 282,196	$ 287,966
Investment securities available for sale, gross unrealized gains	0	734
Investment securities available for sale, gross unrealized losses	(32,984)	(2,935)
Securities available for sale	249,212	285,765
Mortgage Backed Securities, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Securities available for sale, amortized cost	123,246	138,628
Investment securities available for sale, gross unrealized gains	0	550
Investment securities available for sale, gross unrealized losses	(16,195)	(1,367)
Securities available for sale	107,051	137,811
Mortgage Backed Securities, Issued by Us Government Sponsored Enterprises, Federal Home Loan Mortgage Corporation Certificates and Obligations FHLMC [Member]
Securities available for sale, amortized cost	103,213	108,599
Investment securities available for sale, gross unrealized gains	0	126
Investment securities available for sale, gross unrealized losses	(14,349)	(1,189)
Securities available for sale	88,864	107,536
Mortgage Backed Securities, Issued by Us Government Sponsored Enterprises, Federal National Mortgage Association Certificates and Obligations FNMA [Member]
Securities available for sale, amortized cost	40	48
Investment securities available for sale, gross unrealized gains	0	2
Investment securities available for sale, gross unrealized losses	(3)	0
Securities available for sale	37	50
Collateralized Mortgage-Backed Securities [Member]
Securities available for sale, amortized cost	226,499	247,275
Investment securities available for sale, gross unrealized gains	0	678
Investment securities available for sale, gross unrealized losses	(30,547)	(2,556)
Securities available for sale	195,952	245,397
Other Marketable Securities, Us Government Agencies Debt Securities [Member]
Securities available for sale, amortized cost	54,997	39,991
Investment securities available for sale, gross unrealized gains	0	56
Investment securities available for sale, gross unrealized losses	(2,262)	(337)
Securities available for sale	52,735	39,710
Other Marketable Securities, Corporate Preferred Stock [Member]
Securities available for sale, amortized cost	700	700
Investment securities available for sale, gross unrealized gains	0	0
Investment securities available for sale, gross unrealized losses	(175)	(42)
Securities available for sale	525	658
Other Marketable Securities [Member]
Securities available for sale, amortized cost	55,697	40,691
Investment securities available for sale, gross unrealized gains	0	56
Investment securities available for sale, gross unrealized losses	(2,437)	(379)
Securities available for sale	$ 53,260	$ 40,368

Note 7 - Securities Available_6

Note 7 - Securities Available for Sale - Securities by Contractual Maturity (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Due one year or less	$ 59,534
Due one year or less, fair value	52,442
Due after one year through five years, amortized cost	170,935
Due after one year through five years, fair value	152,099
Due after five years through fifteen years, amortized cost	51,723
Due after five years through fifteen years, fair value	44,667
Due after fifteen years, amortized cost	4
Due after fifteen years, fair value	4
Total, amortized cost	282,196	$ 287,966
Total, fair value	$ 249,212	$ 285,765

Note 8 - Loans Receivable, Ne_2

Note 8 - Loans Receivable, Net - Loans Receivable (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Jun. 30, 2022	Dec. 31, 2021	Sep. 30, 2021	Jun. 30, 2021	Dec. 31, 2020
Loans receivable	$ 750,866		$ 662,000
Unamortized discounts	14		10
Net deferred loan fees	431		209
Allowance for loan losses	10,141	$ 9,644	9,279	$ 9,070	$ 9,915	$ 10,699
Total loans receivable, net	740,280		652,502
Residential Portfolio Segment [Member]
Loans receivable	188,045		163,322
Allowance for loan losses	1,146	1,068	974	942	929	1,030
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	455,361		396,868
Allowance for loan losses	7,001	6,586	6,388	6,320	7,033	7,295
Consumer Portfolio Segment [Member]
Loans receivable	44,224		41,645
Allowance for loan losses	1,056	1,047	981	997	1,039	1,389
Commercial Portfolio Segment [Member]
Loans receivable	63,236		60,165
Allowance for loan losses	938	$ 943	936	$ 811	$ 914	$ 985
Single Family Segment [Member] | Residential Portfolio Segment [Member]
Loans receivable	188,045		163,322
Real Estate [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	241,362		209,666
Commercial Real Estate Other [Member] | Commercial Real Estate Portfolio Segment [Member]
Loans receivable	$ 213,999		$ 187,202

Note 9 - Allowance for Loan L_3

Note 9 - Allowance for Loan Losses and Credit Quality Information (Details Textual) $ in Thousands	3 Months Ended		9 Months Ended		21 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Jun. 30, 2022 USD ($)	Dec. 31, 2021 USD ($)	Jun. 30, 2021 USD ($)	Dec. 31, 2020 USD ($)
Loans and Leases Receivable, Nonperforming, Nonaccrual of Interest	$ 1,811		$ 1,811		$ 1,811		$ 4,621
Impaired Financing Receivable, Related Allowance	148		148		148		406
Loan Receivable for Which Value of Collateral Sufficient to Repay	1,000		1,000		1,000		900
Financing Receivable, Troubled Debt Restructuring	$ 746		$ 746		746		1,051
Financing Receivable, Modifications, Number of Contracts	1	1	2	4
Financing Receivable, Troubled Debt Restructuring, Subsequent Default	$ 162	$ 0	$ 162	$ 0
Financing Receivable, Troubled Debt Restructuring, Reserves	$ 100		$ 100		$ 100		$ 200
Percentage Reserves For Loan Losses On Troubled Debt Restructurings	0.70%		0.70%		0.70%		2.60%
Loans and Leases Receivable, Allowance	$ 10,141	9,070	$ 10,141	9,070	$ 10,141	$ 9,644	$ 9,279	$ 9,915	$ 10,699
Financing Receivable, Deferred Loans with Granted Loan Modifications	0	$ 25,500	0	$ 25,500	0
Nonperforming Financial Instruments [Member]
Impaired Financing Receivable, Related Allowance	100		100		100		400
Financing Receivable, Troubled Debt Restructuring	545		545		545		1,022
Performing Financial Instruments [Member]
Financing Receivable, Troubled Debt Restructuring	$ 201		$ 201		$ 201		$ 29
Performing Financial Instruments [Member] | Classified [Member]
Financing Receivable, Modifications, Number of Contracts			0		0

Note 9 - Allowance for Loan L_4

Note 9 - Allowance for Loan Losses and Credit Quality Information - Allowance for Loan Losses (Details) - USD ($) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Balance	$ 9,644	$ 9,915	$ 9,279	$ 10,699
Provision for losses	579	(886)	941	(2,353)
Charge-offs	(98)		(114)	(42)
Recoveries	16	41	35	766
Balance	10,141	9,070	10,141	9,070
Specific reserves	148		148		$ 406
General reserves	9,993		9,993		8,873
Individually reviewed for impairment	2,012		2,012		4,650
Collectively reviewed for impairment	748,854		748,854		657,350
Ending balance	750,866		750,866		662,000
Residential Portfolio Segment [Member]
Balance	1,068	929	974	1,030
Provision for losses	77	13	171	(88)
Charge-offs	0		0	0
Recoveries	1	0	1	0
Balance	1,146	942	1,146	942
Specific reserves	24		24		36
General reserves	1,122		1,122		938
Individually reviewed for impairment	732		732		340
Collectively reviewed for impairment	187,313		187,313		162,982
Ending balance	188,045		188,045		163,322
Commercial Real Estate Portfolio Segment [Member]
Balance	6,586	7,033	6,388	7,295
Provision for losses	505	(713)	703	(1,625)
Charge-offs	(90)		(90)	0
Recoveries	0	0	0	650
Balance	7,001	6,320	7,001	6,320
Specific reserves	0		0		280
General reserves	7,001		7,001		6,108
Individually reviewed for impairment	179		179		3,757
Collectively reviewed for impairment	455,182		455,182		393,111
Ending balance	455,361		455,361		396,868
Consumer Portfolio Segment [Member]
Balance	1,047	1,039	981	1,389
Provision for losses	12	(72)	92	(408)
Charge-offs	(8)		(24)	(42)
Recoveries	5	30	7	58
Balance	1,056	997	1,056	997
Specific reserves	112		112		83
General reserves	944		944		898
Individually reviewed for impairment	462		462		546
Collectively reviewed for impairment	43,762		43,762		41,099
Ending balance	44,224		44,224		41,645
Commercial Portfolio Segment [Member]
Balance	943	914	936	985
Provision for losses	(15)	(114)	(25)	(232)
Charge-offs	0		0	0
Recoveries	10	11	27	58
Balance	938	$ 811	938	$ 811
Specific reserves	12		12		7
General reserves	926		926		929
Individually reviewed for impairment	639		639		7
Collectively reviewed for impairment	62,597		62,597		60,158
Ending balance	$ 63,236		$ 63,236		$ 60,165

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, 2022	Dec. 31, 2021
Loans receivable	$ 750,866	$ 662,000
Classified [Member]
Loans receivable	48,301	42,709
Classified [Member] | Special Mention [Member]
Loans receivable	30,371	25,179
Classified [Member] | Substandard [Member]
Loans receivable	17,776	17,403
Classified [Member] | Doubtful [Member]
Loans receivable	67	77
Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	87	50
Unclassified [Member]
Loans receivable	702,565	619,291
Residential Portfolio Segment [Member]
Loans receivable	188,045	163,322
Residential Portfolio Segment [Member] | Classified [Member]
Loans receivable	2,732	1,257
Residential Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	1,364	410
Residential Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	1,319	791
Residential Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	49	56
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	185,313	162,065
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	455,361	396,868
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	241,362	209,666
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	213,999	187,202
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Real Estate Loan [Member]
Loans receivable	18,454	20,765
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Commercial Real Estate Other [Member]
Loans receivable	22,946	16,395
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Special Mention [Member] | Real Estate Loan [Member]
Loans receivable	14,878	16,012
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Special Mention [Member] | Commercial Real Estate Other [Member]
Loans receivable	12,867	6,824
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Substandard [Member] | Real Estate Loan [Member]
Loans receivable	3,576	4,753
Commercial Real Estate Portfolio Segment [Member] | Classified [Member] | Substandard [Member] | Commercial Real Estate Other [Member]
Loans receivable	10,079	9,571
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	222,908	188,901
Commercial Real Estate Portfolio Segment [Member] | Unclassified [Member] | Commercial Real Estate Other [Member]
Loans receivable	191,053	170,807
Consumer Portfolio Segment [Member]
Loans receivable	44,224	41,645
Consumer Portfolio Segment [Member] | Classified [Member]
Loans receivable	462	546
Consumer Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	0	0
Consumer Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	357	475
Consumer Portfolio Segment [Member] | Classified [Member] | Doubtful [Member]
Loans receivable	18	21
Consumer Portfolio Segment [Member] | Classified [Member] | Unlikely to be Collected Financing Receivable [Member]
Loans receivable	87	50
Consumer Portfolio Segment [Member] | Unclassified [Member]
Loans receivable	43,762	41,099
Commercial Portfolio Segment [Member]
Loans receivable	63,236	60,165
Commercial Portfolio Segment [Member] | Classified [Member]
Loans receivable	3,707	3,746
Commercial Portfolio Segment [Member] | Classified [Member] | Special Mention [Member]
Loans receivable	1,262	1,933
Commercial Portfolio Segment [Member] | Classified [Member] | Substandard [Member]
Loans receivable	2,445	1,813
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	$ 59,529	$ 56,419

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, 2022	Dec. 31, 2021
Loans receivable	$ 750,866	$ 662,000
Loans 90 days or more past due and still accruing	0	0
Residential Portfolio Segment [Member]
Loans receivable	188,045	163,322
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans receivable	455,361	396,868
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	241,362	209,666
Loans 90 days or more past due and still accruing	0	0
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	213,999	187,202
Loans 90 days or more past due and still accruing	0	0
Consumer Portfolio Segment [Member]
Loans receivable	44,224	41,645
Loans 90 days or more past due and still accruing	0	0
Commercial Portfolio Segment [Member]
Loans receivable	63,236	60,165
Loans 90 days or more past due and still accruing	0	0
Financial Asset, 30 to 59 Days Past Due [Member]
Loans receivable	1,516	1,462
Financial Asset, 30 to 59 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	1,261	864
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	198
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	226
Financial Asset, 30 to 59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	255	174
Financial Asset, 30 to 59 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member]
Loans receivable	353	3,556
Financial Asset, 60 to 89 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	258	65
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	0
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	3,402
Financial Asset, 60 to 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	95	89
Financial Asset, 60 to 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member]
Loans receivable	1,088	275
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	363	153
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	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 receivable	0	0
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	92	122
Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	633	0
Financial Asset, Past Due [Member]
Loans receivable	2,957	5,293
Financial Asset, Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	1,882	1,082
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	0	198
Financial Asset, Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	0	3,628
Financial Asset, Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	442	385
Financial Asset, Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	633	0
Financial Asset, Not Past Due [Member]
Loans receivable	747,909	656,707
Financial Asset, Not Past Due [Member] | Residential Portfolio Segment [Member]
Loans receivable	186,163	162,240
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Loans receivable	241,362	209,468
Financial Asset, Not Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Loans receivable	213,999	183,574
Financial Asset, Not Past Due [Member] | Consumer Portfolio Segment [Member]
Loans receivable	43,782	41,260
Financial Asset, Not Past Due [Member] | Commercial Portfolio Segment [Member]
Loans receivable	$ 62,603	$ 60,165

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Related allowance	$ 148		$ 148		$ 406
Recorded investment	2,012		2,012		4,650
Unpaid principal balance	2,030		2,030		4,669
Average recorded investment	3,256	$ 1,860	3,929	$ 2,452
Interest income recognized	8	3	23	19
Residential Portfolio Segment [Member]
Recorded investment, with no related allowance	684		684		253
Unpaid principal balance, with no related allowance	702		702		272
Recorded investment, with related allowance	48		48		87
Unpaid principal balance, with related allowance	48		48		87
Related allowance	24		24		36
Recorded investment	732		732		340
Unpaid principal balance	750		750		359
Average recorded investment, with no related allowance	584	390	454	564
Interest income recognized, with no related allowance	1	0	8	4
Average recorded investment, with related allowance	65	122	75	119
Interest income recognized, with related allowance	0	0	0	0
Average recorded investment	649	512	529	683
Interest income recognized	1	0	8	4
Commercial Real Estate Portfolio Segment [Member]
Related allowance	0		0		280
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Recorded investment, with no related allowance	179		179		189
Unpaid principal balance, with no related allowance	179		179		189
Recorded investment, with related allowance	0		0		3,568
Unpaid principal balance, with related allowance	0		0		3,568
Related allowance	0		0		280
Recorded investment	179		179		3,757
Unpaid principal balance	179		179		3,757
Average recorded investment, with no related allowance	180	193	183	199
Interest income recognized, with no related allowance	5	0	7	0
Average recorded investment, with related allowance	1,643	168	2,555	163
Interest income recognized, with related allowance	0	0	0	0
Average recorded investment	1,823	361	2,738	362
Interest income recognized	5	0	7	0
Commercial Real Estate Portfolio Segment [Member] | Real Estate Loan [Member]
Average recorded investment, with no related allowance		78		540
Interest income recognized, with no related allowance		0		0
Average recorded investment, with related allowance		163		123
Interest income recognized, with related allowance		0		7
Average recorded investment		241		663
Interest income recognized		0		7
Consumer Portfolio Segment [Member]
Recorded investment, with no related allowance	307		307		419
Unpaid principal balance, with no related allowance	307		307		419
Recorded investment, with related allowance	155		155		127
Unpaid principal balance, with related allowance	155		155		127
Related allowance	112		112		83
Recorded investment	462		462		546
Unpaid principal balance	462		462		546
Average recorded investment, with no related allowance	304	610	346	577
Interest income recognized, with no related allowance	2	0	7	6
Average recorded investment, with related allowance	157	114	151	138
Interest income recognized, with related allowance	0	3	1	1
Average recorded investment	461	724	497	715
Interest income recognized	2	3	8	7
Commercial Portfolio Segment [Member]
Recorded investment, with related allowance	639		639		7
Unpaid principal balance, with related allowance	639		639		7
Related allowance	12		12		7
Recorded investment	639		639		7
Unpaid principal balance	639		639		$ 7
Average recorded investment, with related allowance	323	22	165	29
Interest income recognized, with related allowance	0	0	0	1
Average recorded investment	323	22	165	29
Interest income recognized	$ 0	$ 0	$ 0	$ 1

Note 9 - Allowance for Loan L_8

Note 9 - Allowance for Loan Losses and Credit Quality Information - Non-accrual Loans (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Non-accrual loans	$ 1,811	$ 4,621
Residential Portfolio Segment [Member]
Non-accrual loans	732	340
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Non-accrual loans	0	3,757
Consumer Portfolio Segment [Member]
Non-accrual loans	440	517
Commercial Portfolio Segment [Member]
Non-accrual loans	$ 639	$ 7

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, 2022	Dec. 31, 2021
Troubled debt restructurings	$ 746	$ 1,051
Performing Financial Instruments [Member]
Troubled debt restructurings	201	29
Nonperforming Financial Instruments [Member]
Troubled debt restructurings	545	1,022
Residential Portfolio Segment [Member]
Troubled debt restructurings	206	254
Residential Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	0	0
Residential Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	206	254
Commercial Real Estate Portfolio Segment [Member]
Troubled debt restructurings	179	355
Commercial Real Estate Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	179	0
Commercial Real Estate Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	0	355
Consumer Portfolio Segment [Member]
Troubled debt restructurings	361	442
Consumer Portfolio Segment [Member] | Performing Financial Instruments [Member]
Troubled debt restructurings	22	29
Consumer Portfolio Segment [Member] | Nonperforming Financial Instruments [Member]
Troubled debt restructurings	$ 339	$ 413

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, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Number of Contracts	1	1	2	4
Pre- modification Outstanding Recorded Investment	$ 19	$ 38	$ 184	$ 284
Post- modification Outstanding Recorded Investment	$ 19	$ 40	$ 184	$ 287
Residential Portfolio Segment [Member]
Number of Contracts		1		1
Pre- modification Outstanding Recorded Investment		$ 38		$ 38
Post- modification Outstanding Recorded Investment		$ 40		$ 40
Commercial Real Estate Portfolio Segment [Member] | Commercial Real Estate Other [Member]
Number of Contracts	0	0	1	1
Pre- modification Outstanding Recorded Investment	$ 0	$ 0	$ 165	$ 139
Post- modification Outstanding Recorded Investment	$ 0	$ 0	$ 165	$ 139
Consumer Portfolio Segment [Member]
Number of Contracts	1	0	1	1
Pre- modification Outstanding Recorded Investment	$ 19	$ 0	$ 19	$ 93
Post- modification Outstanding Recorded Investment	$ 19	$ 0	$ 19	$ 94
Commercial Portfolio Segment [Member]
Number of Contracts		0		1
Pre- modification Outstanding Recorded Investment		$ 0		$ 14
Post- modification Outstanding Recorded Investment		$ 0		$ 14

Note 9 - Allowance for Loan _11

Note 9 - Allowance for Loan Losses and Credit Quality Information - Summary of Loans Restructured (Details) $ in Thousands	3 Months Ended		9 Months Ended
	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)	Sep. 30, 2022 USD ($)	Sep. 30, 2021 USD ($)
Other	1		1
Other	$ 162	$ 0	$ 162	$ 0
Commercial Real Estate Other [Member] | Commercial Portfolio Segment [Member]
Other	1		1
Other	$ 162		$ 162

Note 10 - Intangible Assets (De

Note 10 - Intangible Assets (Details Textual) - USD ($) $ in Millions	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Mortgage Servicing Rights and Core Deposits [Member]
Amortization of Intangible Assets	$ 0.7	$ 0.9

Note 10 - Intangible Assets - M

Note 10 - Intangible Assets - Mortgage Servicing Activity (Details) - USD ($) $ in Thousands	9 Months Ended		12 Months Ended
	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Balance, beginning of period	$ 3,280	$ 3,043	$ 3,043
Originations	532	1,070	1,405
Amortization	(695)	(881)	(1,168)
Balance, end of period	3,117	3,232	3,280
Fair value of mortgage servicing rights	$ 6,249	$ 4,292	$ 4,813

Note 10 - Intangible Assets - R

Note 10 - Intangible Assets - Risk Characteristics of Loans Being Serviced (Details) $ in Thousands	9 Months Ended
	Sep. 30, 2022 USD ($)
Original Term Thirty Year Fixed Rate [Member]
Loan Principal Balance	$ 111,731
Weighted Average Interest Rate	2.89%
Weighted Average Remaining Term (Month)	138 months
Number of Loans	1,040
Original Term Fifteen Year Fixed Rate [Member]
Loan Principal Balance	$ 429,994
Weighted Average Interest Rate	3.51%
Weighted Average Remaining Term (Month)	309 months
Number of Loans	2,681

Note 10 - Intangible Assets - G

Note 10 - Intangible Assets - Gross Carrying Amount and Accumulated Amortization of Intangible Assets (Details) - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
Finite-lived intangible assets, accumulated amortization	$ (2,990)	$ (3,138)
Goodwill, gross carrying amount	802	802
Goodwill, accumulated impairment	0	0
Goodwill	802	802
Intangible assets (including goodwill), gross carrying amount	6,909	7,230
Intangible assets, unamortized intangible assets	3,919	4,092
Mortgage Servicing Rights [Member]
Finite-lived intangible assets, gross carrying amount	5,953	5,854
Finite-lived intangible assets, accumulated amortization	(2,836)	(2,574)
Finite-lived intangible assets, unamortized intangible assets	3,117	3,280
Core Deposits [Member]
Finite-lived intangible assets, gross carrying amount	154	574
Finite-lived intangible assets, accumulated amortization	(154)	(564)
Finite-lived intangible assets, unamortized intangible assets	$ 0	$ 10

Note 10 - Intangible Assets - E

Note 10 - Intangible Assets - Estimated Future Amortization Expense (Details) - Mortgage Servicing Rights [Member] - USD ($) $ in Thousands	Sep. 30, 2022	Dec. 31, 2021
2022	$ 187
2023	698
2024	663
2025	597
2026	500
Thereafter	472
Total	$ 3,117	$ 3,280

Note 11 - Leases (Details Textu

Note 11 - Leases (Details Textual) $ in Millions	Sep. 30, 2022 USD ($)
Other Assets [Member]
Operating Lease, Right-of-Use Asset	$ 0.6
Other Liabilities [Member]
Operating Lease, Right-of-Use Asset	$ 0.6
Minimum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)	23 months
Lessee, Operating Lease, Renewal Term (Year)	3 years
Maximum [Member]
Lessee, Operating Lease, Remaining Lease Term (Month)	62 months
Lessee, Operating Lease, Renewal Term (Year)	10 years

Note 11 - Leases - Operating Le

Note 11 - Leases - Operating Lease Cost (Details) - USD ($) $ in Thousands	3 Months Ended	9 Months Ended
	Sep. 30, 2022	Sep. 30, 2021
Operating lease cost	$ 57	$ 172

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Cash paid for amounts included in the measurement of lease liabilities: Operating cash flows from operating leases	$ 57	$ 223	$ 172	$ 672
Weighted-average remaining lease term – operating leases (Year)	3 years	3 years	3 years	3 years
Weighted-average discount rate – operating leases	2.63%	2.19%	2.63%	2.19%

Note 11 - Leases - Maturity of

Note 11 - Leases - Maturity of Remaining Lease Liabilities (Details) $ in Thousands	Sep. 30, 2022 USD ($)
2022	$ 57
2023	232
2024	212
2025	58
2026	27
2027 and thereafter	25
Total lease payments	611
Less: Interest	(25)
Other Liabilities [Member]
Present value of lease liabilities	$ 586

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Weighted average number of common shares outstanding used in basic earnings per common share calculation (in shares)	4,348,444	4,432,447	4,366,672	4,494,761
Net dilutive effect of: Restricted stock awards and options (in shares)	30,652	33,421	32,651	33,122
Weighted average number of shares outstanding adjusted for effect of dilutive securities (in shares)	4,379,096	4,465,868	4,399,323	4,527,883
Net income	$ 1,831	$ 3,619	$ 5,607	$ 11,565
Basic earnings per common share (in dollars per share)	$ 0.42	$ 0.82	$ 1.28	$ 2.57
Diluted earnings per common share (in dollars per share)	$ 0.42	$ 0.81	$ 1.27	$ 2.55

Note 13 - Regulatory Capital _3

Note 13 - Regulatory Capital and Oversight (Details Textual) $ in Millions	Sep. 30, 2022 USD ($)
Banks Tangible Assets	$ 1,100
Adjusted Assets	1,100
Banking Regulation, Risk-Weighted Assets, Actual	$ 852.5
Banking Regulation, Capital Conservation Buffer, Common Equity Tier One Risk-Based Capital, Actual	0.0250

Note 13 - Regulatory Capital _4

Note 13 - Regulatory Capital and Oversight - Capital Amounts and Ratios (Details) $ in Thousands	Sep. 30, 2022 USD ($)
Common equity tier 1 capital, actual amount	$ 97,772
Common equity tier 1 capital, actual percent of asset	0.1147
Common equity tier 1 capital, amount required to be adequately capitalized	$ 38,360
Common equity tier 1 capital, percent of assets required to be adequately capitalized	0.0450
Common equity tier 1 capital, excess capital amount	$ 59,412
Common equity tier 1 capital, excess capital percent of assets	0.0697
Common equity tier 1 capital, amount to be well capitalized under prompt corrective action provisions	$ 55,409
Common equity tier 1 capital, percent of assets to be well capitalized under prompt corrective action provisions	0.0650
Tier 1 leverage, actual amount	$ 97,772
Tier 1 leverage, actual percent of asset	0.0895	[1]
Tier 1 leverage, amount required to be adequately capitalized	$ 43,690
Tier 1 leverage, percent of assets required to be adequately capitalized	0.0400	[1]
Tier 1 leverage, excess capital amount	$ 54,082
Tier 1 leverage, excess capital percent of assets	0.0495	[1]
Tier 1 leverage, amount to be well capitalized under prompt corrective action provisions	$ 54,612
Tier 1 leverage, percent of assets to be well capitalized under prompt corrective action provisions	0.0500	[1]
Tier 1 risk-based capital, actual amount	$ 97,772
Tier 1 risk-based capital, actual percent of asset	0.1147
Tier 1 risk-based capital, amount required to be adequately capitalized	$ 51,147
Tier 1 risk-based capital, percent of assets required to be adequately capitalized	0.0600
Tier 1 risk-based capital, excess capital amount	$ 46,625
Tier 1 risk-based capital, excess capital percent of assets	0.0547
Tier 1 risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 68,196
Tier 1 risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.0800
Total risk-based capital, actual amount	$ 107,913
Total risk-based capital, actual percent of asset	0.1266
Total risk-based capital, amount required to be adequately capitalized	$ 68,196
Total risk-based capital, percent of assets required to be adequately capitalized	0.0800
Total risk-based capital, excess capital amount	$ 39,717
Total risk-based capital, excess capital percent of assets	0.0466
Total risk-based capital, amount to be well capitalized under prompt corrective action provisions	$ 85,245
Total risk-based capital, percent of assets to be well capitalized under prompt corrective action provisions	0.1000
[1]Based upon the Bank’s adjusted total assets for the purpose of the Tier 1 leverage capital ratio and risk-weighted assets for the purpose of the risk-based capital ratios.

Note 14 - Stockholders' Equity

Note 14 - Stockholders' Equity (Details Textual) - USD ($) $ / shares in Units, $ in Thousands				3 Months Ended		9 Months Ended
	Sep. 07, 2022	Jun. 07, 2022	Mar. 09, 2022	Sep. 30, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021
Treasury Stock, Value, Acquired, Cost Method				$ 685	$ 1,130	$ 2,134	$ 3,866
Stock Repurchase Program, Authorized Amount				$ 2,000		2,000
Dividends, Cash, Total						$ 800
Quarterly Dividend [Member]
Common Stock, Dividends, Per Share, Declared (in dollars per share)	$ 0.06	$ 0.06	$ 0.06
New Share Repurchase Program [Member]
Treasury Stock, Shares, Acquired (in shares)				30,000		90,000
Treasury Stock, Value, Acquired, Cost Method				$ 700		$ 2,100

Note 15 - Commitments and Con_2

Note 15 - Commitments and Contingencies (Details Textual) $ in Millions	Sep. 30, 2022 USD ($)
Letters of Credit Issued and Available Amount	$ 13.8

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, 2022	Sep. 30, 2021	Sep. 30, 2022	Sep. 30, 2021	Dec. 31, 2021
Interest income – external customers	$ 8,631	$ 8,401	$ 24,253	$ 24,384
Non-interest income – external customers	2,054	3,051	6,945	11,048
Intersegment interest income	0	0	0	0
Intersegment non-interest income	0	0	0	0
Interest expense	340	360	915	1,223
Provision for loan losses	579	(886)	941	(2,353)
Non-interest expense	7,174	6,906	21,409	20,365
Income tax expense	761	1,453	2,326	4,632
Net income	1,831	3,619	5,607	11,565
Total assets	1,047,793	1,036,615	1,047,793	1,036,615	$ 1,069,538
Consolidation, Eliminations [Member]
Interest income – external customers	0	0	0	0
Non-interest income – external customers	0	0	0	0
Intersegment interest income	(2,040)	(3,832)	(27)	(12,230)
Intersegment non-interest income	(10)	(8)	(6,228)	(22)
Interest expense	(10)	(8)	(27)	(22)
Provision for loan losses	0	0	0	0
Non-interest expense	(59)	(59)	(176)	(176)
Income tax expense	0	0	0	0
Net income	(1,981)	(3,773)	(6,052)	(12,054)
Total assets	(89,007)	(109,402)	(89,007)	(109,402)
Home Federal Savings Bank [Member] | Operating Segments [Member]
Interest income – external customers	8,631	8,401	24,253	24,384
Non-interest income – external customers	2,054	3,051	6,945	11,047
Intersegment interest income	59	59	0	176
Intersegment non-interest income	0	0	176	0
Interest expense	350	368	942	1,245
Provision for loan losses	579	(886)	941	(2,353)
Non-interest expense	7,025	6,766	20,972	19,906
Income tax expense	809	1,490	2,467	4,755
Net income	1,981	3,773	6,052	12,054
Total assets	1,046,983	1,035,945	1,046,983	1,035,945
Other Segments [Member] | Operating Segments [Member]
Interest income – external customers	0	0	0	0
Non-interest income – external customers	0	0	0	1
Intersegment interest income	1,981	3,773	27	12,054
Intersegment non-interest income	10	8	6,052	22
Interest expense	0	0	0	0
Provision for loan losses	0	0	0	0
Non-interest expense	208	199	613	635
Income tax expense	(48)	(37)	(141)	(123)
Net income	1,831	3,619	5,607	11,565
Total assets	$ 89,817	$ 110,072	$ 89,817	$ 110,072