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Note 3 - LOANS/LEASES RECEIVABLE - Allowance for Estimated Losses on Loans Leases (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
Balance, beginning | $ 86,573 | $ 74,786 | $ 87,706 | $ 78,721
Change in ACL for writedown of LHFS to fair value | (2,277) |  |  |
Initial ACL recorded for PCD loans |  | 5,902 | (3,986) | 5,902
Provision for credit losses | 3,313 | 12,141 | 5,771 | 8,292
Charged off | (1,947) | (620) | (4,222) | (1,076)
Recoveries | 135 | 216 | 528 | 586
Balance, ending | 85,797 | 92,425 | 85,797 | 92,425
Guaranty Bank |  |  |  |
Provision for credit losses |  | 11,000 |  | 11,000
C&I | C&I - revolving |  |  |  |
Balance, beginning | 4,637 | 3,619 | 4,457 | 3,907
Initial ACL recorded for PCD loans |  | 600 |  | 600
Provision for credit losses | (536) | 960 | (356) | 672
Balance, ending | 4,101 | 5,179 | 4,101 | 5,179
C&I | C&I - other including lease |  |  |  |
Balance, beginning | 26,637 | 25,437 | 27,753 | 25,982
Change in ACL for writedown of LHFS to fair value | (5) |  |  |
Initial ACL recorded for PCD loans |  | 7 | (5) | 7
Provision for credit losses | 2,318 | 2,864 | 2,875 | 2,533
Charged off | (1,920) | (426) | (3,975) | (875)
Recoveries | 132 | 211 | 514 | 446
Balance, ending | 27,162 | 28,093 | 27,162 | 28,093
CRE | Owner occupied |  |  |  |
Balance, beginning | 9,089 | 7,897 | 9,965 | 8,501
Initial ACL recorded for PCD loans |  | 2,481 |  | 2,481
Provision for credit losses | (358) | 686 | (1,026) | 77
Charged off |  |  | (208) |
Recoveries |  | 1 |  | 6
Balance, ending | 8,731 | 11,065 | 8,731 | 11,065
CRE | Non-owner occupied |  |  |  |
Balance, beginning | 12,632 | 7,857 | 11,749 | 8,549
Initial ACL recorded for PCD loans |  | 1,076 |  | 1,076
Provision for credit losses | (664) | 3,309 | 214 | 2,489
Charged off |  | (193) |  | (193)
Recoveries |  |  | 5 | 128
Balance, ending | 11,968 | 12,049 | 11,968 | 12,049
Construction and land development |  |  |  |
Balance, beginning | 15,245 | 14,671 | 14,262 | 16,972
Change in ACL for writedown of LHFS to fair value | 207 |  |  |
Initial ACL recorded for PCD loans |  | 1,100 | (147) | 1,100
Provision for credit losses | 436 | 617 | 1,785 | (1,684)
Charged off |  |  | (12) |
Balance, ending | 15,888 | 16,388 | 15,888 | 16,388
Multi-family |  |  |  |
Balance, beginning | 11,621 | 10,336 | 13,186 | 9,339
Change in ACL for writedown of LHFS to fair value | (2,479) |  |  |
Initial ACL recorded for PCD loans |  | 481 | (3,834) | 481
Provision for credit losses | 2,087 | 1,966 | 1,877 | 2,963
Balance, ending | 11,229 | 12,783 | 11,229 | 12,783
Direct financing leases |  |  |  |
Balance, beginning |  |  | 970 |
Charged off | (49) |  | (53) |
Balance, ending | 1,006 |  | 1,006 |
Direct financing leases | C&I - other including lease |  |  |  |
Balance, beginning |  |  |  | 1,500
Provision for credit losses |  | 185 |  | 158
Charged off |  | (109) |  | 223
Recoveries |  | 48 |  | 108
Threshold for related party loans evaluated |  | 1,600 |  | 1,600
1-4 family real estate |  |  |  |
Balance, beginning | 5,270 | 4,154 | 4,963 | 4,541
Initial ACL recorded for PCD loans |  | 137 |  | 137
Provision for credit losses | (57) | 1,222 | 245 | 835
Recoveries |  |  | 5 |
Balance, ending | 5,213 | 5,513 | 5,213 | 5,513
Consumer |  |  |  |
Balance, beginning | 1,442 | 815 | 1,371 | 930
Initial ACL recorded for PCD loans |  | 20 |  | 20
Provision for credit losses | 87 | 517 | 157 | 407
Charged off | (27) | (1) | (27) | (8)
Recoveries | 3 | 4 | 4 | 6
Balance, ending | $ 1,505 | $ 1,355 | $ 1,505 | $ 1,355

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- Definition Amount includes investment in lease, excluding accrued interest, of allowance for credit loss on financing receivable. + References No definition available. + Details
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- Definition Amount, excluding accrued interest, of decrease in allowance for credit loss on financing receivable from writeoff. Includes net investment in lease. + References No definition available. + Details
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