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v3.23.3

Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
Receivables [Abstract] |
Loans by Portfolio Segment | Loans in the accompanying consolidated balance sheets are classified as follows (in thousands):
| September 30, 2023 |  | December 31, 2022
Real estate loans: |  |  |
Construction | $ | 720,515 |  |  | $ | 559,681 |
1-4 family residential | 689,492 |  |  | 663,519 |
Commercial | 2,117,306 |  |  | 1,987,707 |
Commercial loans | 385,816 |  |  | 412,064 |
Municipal loans | 441,512 |  |  | 450,067 |
Loans to individuals | 65,992 |  |  | 74,653 |
Total loans | 4,420,633 |  |  | 4,147,691 |
Less: Allowance for loan losses | 41,760 |  |  | 36,515 |
Net loans | $ | 4,378,873 |  |  | $ | 4,111,176 |
Summary of loans by credit quality indicators and origination year | The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands):
September 30, 2023 | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Total
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  |  |
Construction real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 109,018 |  |  | $ | 225,290 |  |  | $ | 191,843 |  |  | $ | 33,111 |  |  | $ | 3,009 |  |  | $ | 6,753 |  |  | $ | 128,083 |  |  | $ | 697,107 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,544 |  |  | 9,544 |
Special mention | 171 |  |  | 13,303 |  |  | 188 |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | 13,670 |
Substandard | — |  |  | 73 |  |  | — |  |  | — |  |  | — |  |  | 80 |  |  | — |  |  | 153 |
Doubtful | — |  |  | — |  |  | 41 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 41 |
Total construction real estate | $ | 109,189 |  |  | $ | 238,666 |  |  | $ | 192,072 |  |  | $ | 33,111 |  |  | $ | 3,017 |  |  | $ | 6,833 |  |  | $ | 137,627 |  |  | $ | 720,515 |
Current period gross charge-offs | $ | — |  |  | $ | 63 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 63 |
1-4 family residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 36,549 |  |  | $ | 114,435 |  |  | $ | 143,340 |  |  | $ | 119,327 |  |  | $ | 64,791 |  |  | $ | 202,168 |  |  | $ | 1,858 |  |  | $ | 682,468 |
Pass watch | — |  |  | — |  |  | — |  |  | 34 |  |  | — |  |  | — |  |  | — |  |  | 34 |
Special mention | — |  |  | — |  |  | — |  |  | 1,090 |  |  | — |  |  | 1,348 |  |  | — |  |  | 2,438 |
Substandard | 155 |  |  | — |  |  | 76 |  |  | 378 |  |  | 53 |  |  | 3,479 |  |  | 57 |  |  | 4,198 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 354 |  |  | — |  |  | 354 |
Total 1-4 family residential real estate | $ | 36,704 |  |  | $ | 114,435 |  |  | $ | 143,416 |  |  | $ | 120,829 |  |  | $ | 64,844 |  |  | $ | 207,349 |  |  | $ | 1,915 |  |  | $ | 689,492 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 71 |  |  | $ | — |  |  | $ | 71 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 338,060 |  |  | $ | 708,281 |  |  | $ | 501,231 |  |  | $ | 148,979 |  |  | $ | 92,448 |  |  | $ | 203,242 |  |  | $ | 15,583 |  |  | $ | 2,007,824 |
Pass watch | 39,704 |  |  | 9,530 |  |  | 1,846 |  |  | 632 |  |  | 338 |  |  | 148 |  |  | — |  |  | 52,198 |
Special mention | 2,015 |  |  | 871 |  |  | — |  |  | — |  |  | 7,761 |  |  | 25,347 |  |  | — |  |  | 35,994 |
Substandard | — |  |  | — |  |  | 281 |  |  | 269 |  |  | 14,206 |  |  | 6,377 |  |  | — |  |  | 21,133 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 70 |  |  | 87 |  |  | — |  |  | 157 |
Total commercial real estate | $ | 379,779 |  |  | $ | 718,682 |  |  | $ | 503,358 |  |  | $ | 149,880 |  |  | $ | 114,823 |  |  | $ | 235,201 |  |  | $ | 15,583 |  |  | $ | 2,117,306 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 54,023 |  |  | $ | 78,551 |  |  | $ | 58,150 |  |  | $ | 12,486 |  |  | $ | 5,107 |  |  | $ | 4,038 |  |  | $ | 170,437 |  |  | $ | 382,792 |
Pass watch | 26 |  |  | 40 |  |  | 125 |  |  | — |  |  | — |  |  | 20 |  |  | — |  |  | 211 |
Special mention | — |  |  | 176 |  |  | — |  |  | 20 |  |  | — |  |  | 177 |  |  | 780 |  |  | 1,153 |
Substandard | 205 |  |  | 443 |  |  | 89 |  |  | — |  |  | 92 |  |  | 6 |  |  | — |  |  | 835 |
Doubtful | — |  |  | 395 |  |  | 106 |  |  | — |  |  | 102 |  |  | 120 |  |  | 102 |  |  | 825 |
Total commercial loans | $ | 54,254 |  |  | $ | 79,605 |  |  | $ | 58,470 |  |  | $ | 12,506 |  |  | $ | 5,301 |  |  | $ | 4,361 |  |  | $ | 171,319 |  |  | $ | 385,816 |
Current period gross charge-offs | $ | 575 |  |  | $ | 439 |  |  | $ | 44 |  |  | $ | 26 |  |  | $ | 23 |  |  | $ | 6 |  |  | $ | — |  |  | $ | 1,113 |
Municipal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 30,063 |  |  | $ | 62,250 |  |  | $ | 70,471 |  |  | $ | 50,793 |  |  | $ | 42,340 |  |  | $ | 185,595 |  |  | $ | — |  |  | $ | 441,512 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total municipal loans | $ | 30,063 |  |  | $ | 62,250 |  |  | $ | 70,471 |  |  | $ | 50,793 |  |  | $ | 42,340 |  |  | $ | 185,595 |  |  | $ | — |  |  | $ | 441,512 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Loans to individuals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 20,845 |  |  | $ | 17,948 |  |  | $ | 13,536 |  |  | $ | 7,550 |  |  | $ | 2,698 |  |  | $ | 1,169 |  |  | $ | 2,207 |  |  | $ | 65,953 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | — |  |  | — |  |  | 14 |
Doubtful | — |  |  | — |  |  | 5 |  |  | — |  |  | — |  |  | 11 |  |  | 9 |  |  | 25 |
Total loans to individuals | $ | 20,845 |  |  | $ | 17,948 |  |  | $ | 13,541 |  |  | $ | 7,550 |  |  | $ | 2,712 |  |  | $ | 1,180 |  |  | $ | 2,216 |  |  | $ | 65,992 |
Current period gross charge-offs (1) | $ | 1,218 |  |  | $ | 34 |  |  | $ | 39 |  |  | $ | 12 |  |  | $ | 3 |  |  | $ | 79 |  |  | $ | — |  |  | $ | 1,385 |
Total loans | $ | 630,834 |  |  | $ | 1,231,586 |  |  | $ | 981,328 |  |  | $ | 374,669 |  |  | $ | 233,037 |  |  | $ | 640,519 |  |  | $ | 328,660 |  |  | $ | 4,420,633 |
Total current period gross charge-offs (1) | $ | 1,793 |  |  | $ | 536 |  |  | $ | 83 |  |  | $ | 38 |  |  | $ | 26 |  |  | $ | 156 |  |  | $ | — |  |  | $ | 2,632 |
(1) Includes $1.2 million in charged off demand deposit overdrafts reported as 2023 originations.
December 31, 2022 | Term Loans Amortized Cost Basis by Origination Year |  | Revolving Loans Amortized Cost Basis |  | Total
| 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  |  |  |
Construction real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 169,652 |  |  | $ | 184,501 |  |  | $ | 34,537 |  |  | $ | 7,091 |  |  | $ | 1,844 |  |  | $ | 6,434 |  |  | $ | 152,530 |  |  | $ | 556,589 |
Pass watch | 299 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 299 |
Special mention | 1,858 |  |  | 290 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,148 |
Substandard | — |  |  | — |  |  | — |  |  | 10 |  |  | 42 |  |  | 194 |  |  | — |  |  | 246 |
Doubtful | — |  |  | 44 |  |  | — |  |  | 355 |  |  | — |  |  | — |  |  | — |  |  | 399 |
Total construction real estate | $ | 171,809 |  |  | $ | 184,835 |  |  | $ | 34,537 |  |  | $ | 7,456 |  |  | $ | 1,886 |  |  | $ | 6,628 |  |  | $ | 152,530 |  |  | $ | 559,681 |
1-4 family residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 82,847 |  |  | $ | 144,424 |  |  | $ | 128,666 |  |  | $ | 70,142 |  |  | $ | 36,710 |  |  | $ | 194,490 |  |  | $ | 2,160 |  |  | $ | 659,439 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Special mention | — |  |  | — |  |  | 79 |  |  | — |  |  | 1,397 |  |  | — |  |  | — |  |  | 1,476 |
Substandard | 3 |  |  | — |  |  | 217 |  |  | 54 |  |  | 32 |  |  | 1,942 |  |  | 43 |  |  | 2,291 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 173 |  |  | 140 |  |  | — |  |  | 313 |
Total 1-4 family residential real estate | $ | 82,850 |  |  | $ | 144,424 |  |  | $ | 128,962 |  |  | $ | 70,196 |  |  | $ | 38,312 |  |  | $ | 196,572 |  |  | $ | 2,203 |  |  | $ | 663,519 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 798,653 |  |  | $ | 546,938 |  |  | $ | 168,607 |  |  | $ | 136,440 |  |  | $ | 55,480 |  |  | $ | 233,509 |  |  | $ | 12,315 |  |  | $ | 1,951,942 |
Pass watch | — |  |  | 9,219 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,219 |
Special mention | — |  |  | — |  |  | 1,832 |  |  | 330 |  |  | 115 |  |  | 1,849 |  |  | — |  |  | 4,126 |
Substandard | — |  |  | — |  |  | 281 |  |  | 14,603 |  |  | 260 |  |  | 6,992 |  |  | — |  |  | 22,136 |
Doubtful | — |  |  | — |  |  | — |  |  | 76 |  |  | — |  |  | 208 |  |  | — |  |  | 284 |
Total commercial real estate | $ | 798,653 |  |  | $ | 556,157 |  |  | $ | 170,720 |  |  | $ | 151,449 |  |  | $ | 55,855 |  |  | $ | 242,558 |  |  | $ | 12,315 |  |  | $ | 1,987,707 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 113,678 |  |  | $ | 68,509 |  |  | $ | 17,852 |  |  | $ | 8,249 |  |  | $ | 4,820 |  |  | $ | 3,313 |  |  | $ | 178,951 |  |  | $ | 395,372 |
Pass watch | 208 |  |  | 13 |  |  | 56 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 277 |
Special mention | — |  |  | 5,109 |  |  | 31 |  |  | — |  |  | 288 |  |  | — |  |  | 9,986 |  |  | 15,414 |
Substandard | 220 |  |  | 116 |  |  | 70 |  |  | 110 |  |  | 12 |  |  | 9 |  |  | — |  |  | 537 |
Doubtful | 68 |  |  | 100 |  |  | — |  |  | 86 |  |  | 210 |  |  | — |  |  | — |  |  | 464 |
Total commercial loans | $ | 114,174 |  |  | $ | 73,847 |  |  | $ | 18,009 |  |  | $ | 8,445 |  |  | $ | 5,330 |  |  | $ | 3,322 |  |  | $ | 188,937 |  |  | $ | 412,064 |
Municipal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 65,258 |  |  | $ | 74,617 |  |  | $ | 57,147 |  |  | $ | 47,636 |  |  | $ | 24,576 |  |  | $ | 173,919 |  |  | $ | — |  |  | $ | 443,153 |
Pass watch | — |  |  | — |  |  | — |  |  | 508 |  |  | 403 |  |  | 6,003 |  |  | — |  |  | 6,914 |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total municipal loans | $ | 65,258 |  |  | $ | 74,617 |  |  | $ | 57,147 |  |  | $ | 48,144 |  |  | $ | 24,979 |  |  | $ | 179,922 |  |  | $ | — |  |  | $ | 450,067 |
Loans to individuals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 29,579 |  |  | $ | 21,480 |  |  | $ | 12,651 |  |  | $ | 5,261 |  |  | $ | 1,665 |  |  | $ | 1,005 |  |  | $ | 2,935 |  |  | $ | 74,576 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | 1 |  |  | — |  |  | 6 |  |  | — |  |  | 2 |  |  | — |  |  | 9 |
Doubtful | 7 |  |  | — |  |  | — |  |  | 18 |  |  | 40 |  |  | 3 |  |  | — |  |  | 68 |
Total loans to individuals | $ | 29,586 |  |  | $ | 21,481 |  |  | $ | 12,651 |  |  | $ | 5,285 |  |  | $ | 1,705 |  |  | $ | 1,010 |  |  | $ | 2,935 |  |  | $ | 74,653 |
Total loans | $ | 1,262,330 |  |  | $ | 1,055,361 |  |  | $ | 422,026 |  |  | $ | 290,975 |  |  | $ | 128,067 |  |  | $ | 630,012 |  |  | $ | 358,920 |  |  | $ | 4,147,691 |
Aging of past due loans by class of loan | The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands):
| September 30, 2023
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater than 90 Days Past Due |  | Total Past Due |  | Current |  | Total
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Construction | $ | 175 |  |  | $ | — |  |  | $ | — |  |  | $ | 175 |  |  | $ | 720,340 |  |  | $ | 720,515 |
1-4 family residential | 748 |  |  | 685 |  |  | 1,963 |  |  | 3,396 |  |  | 686,096 |  |  | 689,492 |
Commercial | 2,331 |  |  | 41 |  |  | 36 |  |  | 2,408 |  |  | 2,114,898 |  |  | 2,117,306 |
Commercial loans | 494 |  |  | 162 |  |  | 525 |  |  | 1,181 |  |  | 384,635 |  |  | 385,816 |
Municipal loans | — |  |  | — |  |  | — |  |  | — |  |  | 441,512 |  |  | 441,512 |
Loans to individuals | 140 |  |  | 11 |  |  | — |  |  | 151 |  |  | 65,841 |  |  | 65,992 |
Total | $ | 3,888 |  |  | $ | 899 |  |  | $ | 2,524 |  |  | $ | 7,311 |  |  | $ | 4,413,322 |  |  | $ | 4,420,633 |
| December 31, 2022
| 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater than 90 Days Past Due |  | Total Past Due |  | Current |  | Total
Real estate loans: |  |  |  |  |  |  |  |  |  |  |
Construction | $ | 43 |  |  | $ | 21 |  |  | $ | — |  |  | $ | 64 |  |  | $ | 559,617 |  |  | $ | 559,681 |
1-4 family residential | 3,529 |  |  | 368 |  |  | 214 |  |  | 4,111 |  |  | 659,408 |  |  | 663,519 |
Commercial | 105 |  |  | 153 |  |  | 415 |  |  | 673 |  |  | 1,987,034 |  |  | 1,987,707 |
Commercial loans | 515 |  |  | 277 |  |  | 247 |  |  | 1,039 |  |  | 411,025 |  |  | 412,064 |
Municipal loans | — |  |  | — |  |  | — |  |  | — |  |  | 450,067 |  |  | 450,067 |
Loans to individuals | 203 |  |  | 3 |  |  | 40 |  |  | 246 |  |  | 74,407 |  |  | 74,653 |
Total | $ | 4,395 |  |  | $ | 822 |  |  | $ | 916 |  |  | $ | 6,133 |  |  | $ | 4,141,558 |  |  | $ | 4,147,691 |
Nonperforming assets by asset class | The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands):
| September 30, 2023 |  | December 31, 2022
Nonaccrual loans: |  |  |
Real estate loans: |  |  |
Construction | $ | 41 |  |  | $ | 405 |
1-4 family residential | 2,365 |  |  | 848 |
Commercial | 527 |  |  | 762 |
Commercial loans | 1,358 |  |  | 757 |
Loans to individuals | 25 |  |  | 74 |
Total nonaccrual loans (1) | 4,316 |  |  | 2,846 |
Accruing loans past due more than 90 days | — |  |  | — |
Restructured loans (2) | 15 |  |  | 7,849 |
OREO | 50 |  |  | 93 |
Repossessed assets | — |  |  | 74 |
Total nonperforming assets | $ | 4,381 |  |  | $ | 10,862 |
(1) Includes $343,000 and $897,000 of restructured loans as of September 30, 2023 and December 31, 2022, respectively. (2) Pursuant to our adoption of ASU 2022-02, effective January 1, 2023, we prospectively discontinued the recognition and measurement guidance previously required on troubled debt restructures. As a result, “restructured” loans as of September 30, 2023 exclude any loan modifications that are performing but would have previously required disclosure as troubled debt restructures.
Restructured Loans | The following tables set forth the recorded balance of restructured loans and type of modification by class of loans during the periods presented (dollars in thousands):
| Three Months Ended September 30, 2023
| Amortization Period Extension |  | Interest Rate Reduction |  | Combination |  | Total Modifications |  | Number of Loans |  | Percent of Total Class
Commercial loans | $ | 15 |  |  | $ | — |  |  | $ | 65 |  |  | $ | 80 |  |  | 2 |  |  | 0.02 | %
Total | $ | 15 |  |  | $ | — |  |  | $ | 65 |  |  | $ | 80 |  |  | 2 |  |  |
| Nine Months Ended September 30, 2023
| Amortization Period Extension |  | Interest Rate Reduction |  | Combination |  | Total Modifications |  | Number of Loans |  | Percent of Total Class
Commercial loans | $ | 293 |  |  | $ | — |  |  | $ | 65 |  |  | $ | 358 |  |  | 4 |  |  | 0.09 | %
Total | $ | 293 |  |  | $ | — |  |  | $ | 65 |  |  | $ | 358 |  |  | 4 |  |  |
Allowance for loan losses activity by portfolio segment | The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands):
| Three Months Ended September 30, 2023
| Real Estate |  |  |  |  |  |  |  |  |  |
| Construction |  | 1-4 Family Residential |  | Commercial |  | Commercial Loans |  | Municipal Loans |  | Loans to Individuals |  |  |  | Total
Balance at beginning of period | $ | 3,395 |  |  | $ | 2,660 |  |  | $ | 28,012 |  |  | $ | 2,017 |  |  | $ | 37 |  |  | $ | 182 |  |  |  |  | $ | 36,303 |
Loans charged-off | — |  |  | — |  |  | — |  |  | (744) |  |  | — |  |  | (518) |  |  |  |  | (1,262) |
Recoveries of loans charged-off | — |  |  | 62 |  |  | — |  |  | 65 |  |  | — |  |  | 251 |  |  |  |  | 378 |
Net loans (charged-off) recovered | — |  |  | 62 |  |  | — |  |  | (679) |  |  | — |  |  | (267) |  |  |  |  | (884) |
Provision for (reversal of) loan losses | 1,019 |  |  | 17 |  |  | 4,327 |  |  | 731 |  |  | (17) |  |  | 264 |  |  |  |  | 6,341 |
Balance at end of period | $ | 4,414 |  |  | $ | 2,739 |  |  | $ | 32,339 |  |  | $ | 2,069 |  |  | $ | 20 |  |  | $ | 179 |  |  |  |  | $ | 41,760 |
| Nine Months Ended September 30, 2023
| Real Estate |  |  |  |  |  |  |  |  |  |
| Construction |  | 1-4 Family Residential |  | Commercial |  | Commercial Loans |  | Municipal Loans |  | Loans to Individuals |  |  |  | Total
Balance at beginning of period | $ | 3,164 |  |  | $ | 2,173 |  |  | $ | 28,701 |  |  | $ | 2,235 |  |  | $ | 45 |  |  | $ | 197 |  |  |  |  | $ | 36,515 |
Loans charged-off | (63) |  |  | (71) |  |  | — |  |  | (1,113) |  |  | — |  |  | (1,385) |  |  |  |  | (2,632) |
Recoveries of loans charged-off | 1 |  |  | 108 |  |  | 1 |  |  | 268 |  |  | — |  |  | 792 |  |  |  |  | 1,170 |
Net loans (charged-off) recovered | (62) |  |  | 37 |  |  | 1 |  |  | (845) |  |  | — |  |  | (593) |  |  |  |  | (1,462) |
Provision for (reversal of) loan losses | 1,312 |  |  | 529 |  |  | 3,637 |  |  | 679 |  |  | (25) |  |  | 575 |  |  |  |  | 6,707 |
Balance at end of period | $ | 4,414 |  |  | $ | 2,739 |  |  | $ | 32,339 |  |  | $ | 2,069 |  |  | $ | 20 |  |  | $ | 179 |  |  |  |  | $ | 41,760 |
| Three Months Ended September 30, 2022
| Real Estate |  |  |  |  |  |  |  |  |  |
| Construction |  | 1-4 Family Residential |  | Commercial |  | Commercial Loans |  | Municipal Loans |  | Loans to Individuals |  |  |  | Total
Balance at beginning of period | $ | 3,399 |  |  | $ | 2,024 |  |  | $ | 27,221 |  |  | $ | 2,558 |  |  | $ | 46 |  |  | $ | 201 |  |  |  |  | $ | 35,449 |
Loans charged-off | — |  |  | (66) |  |  | — |  |  | (192) |  |  | — |  |  | (428) |  |  |  |  | (686) |
Recoveries of loans charged-off | — |  |  | 4 |  |  | — |  |  | 139 |  |  | — |  |  | 306 |  |  |  |  | 449 |
Net loans (charged-off) recovered | — |  |  | (62) |  |  | — |  |  | (53) |  |  | — |  |  | (122) |  |  |  |  | (237) |
Provision for (reversal of) loan losses | 136 |  |  | 44 |  |  | 1,273 |  |  | (272) |  |  | (2) |  |  | 115 |  |  |  |  | 1,294 |
Balance at end of period | $ | 3,535 |  |  | $ | 2,006 |  |  | $ | 28,494 |  |  | $ | 2,233 |  |  | $ | 44 |  |  | $ | 194 |  |  |  |  | $ | 36,506 |
| Nine Months Ended September 30, 2022
| Real Estate |  |  |  |  |  |  |  |  |  |
| Construction |  | 1-4 Family Residential |  | Commercial |  | Commercial Loans |  | Municipal Loans |  | Loans to Individuals |  |  |  | Total
Balance at beginning of period | $ | 3,787 |  |  | $ | 1,866 |  |  | $ | 26,980 |  |  | $ | 2,397 |  |  | $ | 47 |  |  | $ | 196 |  |  |  |  | $ | 35,273 |
Loans charged-off | — |  |  | (66) |  |  | — |  |  | (369) |  |  | — |  |  | (1,285) |  |  |  |  | (1,720) |
Recoveries of loans charged-off | 1 |  |  | 96 |  |  | 81 |  |  | 469 |  |  | — |  |  | 858 |  |  |  |  | 1,505 |
Net loans (charged-off) recovered | 1 |  |  | 30 |  |  | 81 |  |  | 100 |  |  | — |  |  | (427) |  |  |  |  | (215) |
Provision for (reversal of) loan losses | (253) |  |  | 110 |  |  | 1,433 |  |  | (264) |  |  | (3) |  |  | 425 |  |  |  |  | 1,448 |
Balance at end of period | $ | 3,535 |  |  | $ | 2,006 |  |  | $ | 28,494 |  |  | $ | 2,233 |  |  | $ | 44 |  |  | $ | 194 |  |  |  |  | $ | 36,506 |

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