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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2023
Receivables [Abstract] |
Loans by portfolio segment | Loans in the accompanying consolidated balance sheets are classified as follows (in thousands):
|  | December 31, 2023 |  | December 31, 2022
Real estate loans: |  |  |  |
Construction |  | $ | 789,744 |  |  | $ | 559,681 |
1-4 family residential |  | 696,738 |  |  | 663,519 |
Commercial |  | 2,168,451 |  |  | 1,987,707 |
Commercial loans |  | 366,893 |  |  | 412,064 |
Municipal loans |  | 441,168 |  |  | 450,067 |
Loans to individuals |  | 61,516 |  |  | 74,653 |
Total loans |  | 4,524,510 |  |  | 4,147,691 |
Less: Allowance for loan losses |  | 42,674 |  |  | 36,515 |
Net loans |  | $ | 4,481,836 |  |  | $ | 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):
December 31, 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 | $ | 132,838 |  |  | $ | 236,573 |  |  | $ | 196,311 |  |  | $ | 37,997 |  |  | $ | 3,938 |  |  | $ | 6,457 |  |  | $ | 144,358 |  |  | $ | 758,472 |
Pass watch | — |  |  | 7,798 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,798 |
Special mention | 13,166 |  |  | 9,456 |  |  | 698 |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | 23,327 |
Substandard | 36 |  |  | — |  |  | 68 |  |  | — |  |  | — |  |  | 43 |  |  | — |  |  | 147 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total construction real estate | $ | 146,040 |  |  | $ | 253,827 |  |  | $ | 197,077 |  |  | $ | 37,997 |  |  | $ | 3,945 |  |  | $ | 6,500 |  |  | $ | 144,358 |  |  | $ | 789,744 |
Current period gross charge-offs | $ | — |  |  | $ | 92 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 92 |
1-4 family residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 41,520 |  |  | $ | 126,981 |  |  | $ | 145,671 |  |  | $ | 114,631 |  |  | $ | 63,710 |  |  | $ | 196,651 |  |  | $ | 1,803 |  |  | $ | 690,967 |
Pass watch | — |  |  | — |  |  | — |  |  | 32 |  |  | — |  |  | — |  |  | — |  |  | 32 |
Special mention | — |  |  | — |  |  | — |  |  | 75 |  |  | — |  |  | — |  |  | — |  |  | 75 |
Substandard | 325 |  |  | — |  |  | 73 |  |  | 1,379 |  |  | — |  |  | 3,259 |  |  | 74 |  |  | 5,110 |
Doubtful | — |  |  | — |  |  | — |  |  | 163 |  |  | — |  |  | 391 |  |  | — |  |  | 554 |
Total 1-4 family residential real estate | $ | 41,845 |  |  | $ | 126,981 |  |  | $ | 145,744 |  |  | $ | 116,280 |  |  | $ | 63,710 |  |  | $ | 200,301 |  |  | $ | 1,877 |  |  | $ | 696,738 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | 118 |  |  | $ | — |  |  | $ | 119 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 469,844 |  |  | $ | 641,577 |  |  | $ | 495,363 |  |  | $ | 143,150 |  |  | $ | 91,085 |  |  | $ | 189,021 |  |  | $ | 16,493 |  |  | $ | 2,046,533 |
Pass watch | 24,300 |  |  | 34,424 |  |  | 255 |  |  | 1,037 |  |  | 333 |  |  | 146 |  |  | — |  |  | 60,495 |
Special mention | 17,403 |  |  | — |  |  | — |  |  | — |  |  | 9,746 |  |  | 25,072 |  |  | — |  |  | 52,221 |
Substandard | — |  |  | 862 |  |  | 95 |  |  | 269 |  |  | 1,565 |  |  | 6,346 |  |  | — |  |  | 9,137 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 65 |  |  | — |  |  | — |  |  | 65 |
Total commercial real estate | $ | 511,547 |  |  | $ | 676,863 |  |  | $ | 495,713 |  |  | $ | 144,456 |  |  | $ | 102,794 |  |  | $ | 220,585 |  |  | $ | 16,493 |  |  | $ | 2,168,451 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 788 |  |  | $ | — |  |  | $ | — |  |  | $ | 788 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 78,090 |  |  | $ | 62,192 |  |  | $ | 42,114 |  |  | $ | 10,708 |  |  | $ | 4,356 |  |  | $ | 3,310 |  |  | $ | 161,153 |  |  | $ | 361,923 |
Pass watch | — |  |  | 128 |  |  | 117 |  |  | — |  |  | — |  |  | 18 |  |  | — |  |  | 263 |
Special mention | 191 |  |  | 174 |  |  | — |  |  | 16 |  |  | — |  |  | 162 |  |  | — |  |  | 543 |
Substandard | 14 |  |  | 2,357 |  |  | 73 |  |  | — |  |  | 65 |  |  | 12 |  |  | 821 |  |  | 3,342 |
Doubtful | 238 |  |  | 267 |  |  | 133 |  |  | — |  |  | 64 |  |  | 120 |  |  | — |  |  | 822 |
Total commercial loans | $ | 78,533 |  |  | $ | 65,118 |  |  | $ | 42,437 |  |  | $ | 10,724 |  |  | $ | 4,485 |  |  | $ | 3,622 |  |  | $ | 161,974 |  |  | $ | 366,893 |
Current period gross charge-offs | $ | 745 |  |  | $ | 440 |  |  | $ | 44 |  |  | $ | 26 |  |  | $ | 23 |  |  | $ | 5 |  |  | $ | — |  |  | $ | 1,283 |
Municipal loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 39,028 |  |  | $ | 61,429 |  |  | $ | 68,979 |  |  | $ | 49,746 |  |  | $ | 39,949 |  |  | $ | 182,037 |  |  | $ | — |  |  | $ | 441,168 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total municipal loans | $ | 39,028 |  |  | $ | 61,429 |  |  | $ | 68,979 |  |  | $ | 49,746 |  |  | $ | 39,949 |  |  | $ | 182,037 |  |  | $ | — |  |  | $ | 441,168 |
Current period gross charge-offs | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Loans to individuals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 22,788 |  |  | $ | 15,503 |  |  | $ | 11,588 |  |  | $ | 6,256 |  |  | $ | 2,180 |  |  | $ | 941 |  |  | $ | 2,216 |  |  | $ | 61,472 |
Pass watch | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Special mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | — |  |  | — |  |  | 13 |
Doubtful | 4 |  |  | 17 |  |  | — |  |  | 10 |  |  | — |  |  | — |  |  | — |  |  | 31 |
Total loans to individuals | $ | 22,792 |  |  | $ | 15,520 |  |  | $ | 11,588 |  |  | $ | 6,266 |  |  | $ | 2,193 |  |  | $ | 941 |  |  | $ | 2,216 |  |  | $ | 61,516 |
Current period gross charge-offs (1) | $ | 1,682 |  |  | $ | 54 |  |  | $ | 61 |  |  | $ | 20 |  |  | $ | 6 |  |  | $ | 99 |  |  | $ | — |  |  | $ | 1,922 |
Total loans | $ | 839,785 |  |  | $ | 1,199,738 |  |  | $ | 961,538 |  |  | $ | 365,469 |  |  | $ | 217,076 |  |  | $ | 613,986 |  |  | $ | 326,918 |  |  | $ | 4,524,510 |
Total current period gross charge-offs (1) | $ | 2,427 |  |  | $ | 586 |  |  | $ | 105 |  |  | $ | 46 |  |  | $ | 818 |  |  | $ | 222 |  |  | $ | — |  |  | $ | 4,204 |
(1) Includes $1.7 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):
|  | December 31, 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 |  | $ | 474 |  |  | $ | — |  |  | $ | 29 |  |  | $ | 503 |  |  | $ | 789,241 |  |  | $ | 789,744 |
1-4 family residential |  | 4,638 |  |  | 774 |  |  | 1,700 |  |  | 7,112 |  |  | 689,626 |  |  | 696,738 |
Commercial |  | 621 |  |  | 34 |  |  | 40 |  |  | 695 |  |  | 2,167,756 |  |  | 2,168,451 |
Commercial loans |  | 1,693 |  |  | 347 |  |  | 127 |  |  | 2,167 |  |  | 364,726 |  |  | 366,893 |
Municipal loans |  | 27 |  |  | — |  |  | — |  |  | 27 |  |  | 441,141 |  |  | 441,168 |
Loans to individuals |  | 107 |  |  | 1 |  |  | 10 |  |  | 118 |  |  | 61,398 |  |  | 61,516 |
Total |  | $ | 7,560 |  |  | $ | 1,156 |  |  | $ | 1,906 |  |  | $ | 10,622 |  |  | $ | 4,513,888 |  |  | $ | 4,524,510 |
|  | 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):
| December 31, 2023 |  | December 31, 2022
Nonaccrual loans: |  |  |
Real estate loans: |  |  |
Construction | $ | 29 |  |  | $ | 405 |
1-4 family residential | 2,093 |  |  | 848 |
Commercial | 528 |  |  | 762 |
Commercial loans | 1,208 |  |  | 757 |
Loans to individuals | 31 |  |  | 74 |
Total nonaccrual loans (1) | 3,889 |  |  | 2,846 |
Accruing loans past due more than 90 days | — |  |  | — |
Restructured loans (2) | 13 |  |  | 7,849 |
OREO | 99 |  |  | 93 |
Repossessed assets | — |  |  | 74 |
Total nonperforming assets | $ | 4,001 |  |  | $ | 10,862 |
(1) Includes $506,000 and $897,000 of restructured loans as of December 31, 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 December 31, 2023 exclude any loan modifications that are performing but would have previously required disclosure as troubled debt restructures.
Troubled debt restructurings | The following table sets forth the recorded balance of restructured loans and type of modification by class of loans during the periods presented (dollars in thousands):
| Year Ended December 31, 2023
| Amortization Period Extension |  | Interest Rate Reduction |  | Combination |  | Total Modifications |  | Number of Loans |  | Percent of Total Class
Commercial loans | $ | 603 |  |  | $ | — |  |  | $ | 64 |  |  | $ | 667 |  |  | 5 |  |  | 0.18 | %
Total | $ | 603 |  |  | $ | — |  |  | $ | 64 |  |  | $ | 667 |  |  | 5 |  |  |
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):
| Year Ended December 31, 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 (1) | (92) |  |  | (119) |  |  | (788) |  |  | (1,283) |  |  | — |  |  | (1,922) |  |  |  |  | (4,204) |
Recoveries of loans charged-off | 2 |  |  | 110 |  |  | 1 |  |  | 298 |  |  | — |  |  | 1,043 |  |  |  |  | 1,454 |
Net loans (charged-off) recovered | (90) |  |  | (9) |  |  | (787) |  |  | (985) |  |  | — |  |  | (879) |  |  |  |  | (2,750) |
Provision for (reversal of) loan losses | 2,213 |  |  | 676 |  |  | 4,352 |  |  | 836 |  |  | (26) |  |  | 858 |  |  |  |  | 8,909 |
Balance at end of period | $ | 5,287 |  |  | $ | 2,840 |  |  | $ | 32,266 |  |  | $ | 2,086 |  |  | $ | 19 |  |  | $ | 176 |  |  |  |  | $ | 42,674 |
| Year Ended December 31, 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 | — |  |  | (69) |  |  | — |  |  | (792) |  |  | — |  |  | (1,723) |  |  |  |  | (2,584) |
Recoveries of loans charged-off | 2 |  |  | 107 |  |  | 81 |  |  | 593 |  |  | — |  |  | 1,105 |  |  |  |  | 1,888 |
Net loans (charged-off) recovered | 2 |  |  | 38 |  |  | 81 |  |  | (199) |  |  | — |  |  | (618) |  |  |  |  | (696) |
Provision for (reversal of) loan losses | (625) |  |  | 269 |  |  | 1,640 |  |  | 37 |  |  | (2) |  |  | 619 |  |  |  |  | 1,938 |
Balance at end of period | $ | 3,164 |  |  | $ | 2,173 |  |  | $ | 28,701 |  |  | $ | 2,235 |  |  | $ | 45 |  |  | $ | 197 |  |  |  |  | $ | 36,515 |
| Year Ended December 31, 2021
| Real Estate |  |  |  |  |  |  |  |  |  |
| Construction |  | 1-4 Family Residential |  | Commercial |  | Commercial Loans |  | Municipal Loans |  | Loans to Individuals |  |  |  | Total
Balance at beginning of period | $ | 6,490 |  |  | $ | 2,270 |  |  | $ | 35,709 |  |  | $ | 4,107 |  |  | $ | 46 |  |  | $ | 384 |  |  |  |  | $ | 49,006 |
Loans charged-off | — |  |  | (136) |  |  | — |  |  | (1,004) |  |  | — |  |  | (1,611) |  |  |  |  | (2,751) |
Recoveries of loans charged-off | 2 |  |  | 75 |  |  | 87 |  |  | 674 |  |  | — |  |  | 1,142 |  |  |  |  | 1,980 |
Net loans (charged-off) recovered | 2 |  |  | (61) |  |  | 87 |  |  | (330) |  |  | — |  |  | (469) |  |  |  |  | (771) |
Provision for (reversal of) loan losses | (2,705) |  |  | (343) |  |  | (8,816) |  |  | (1,380) |  |  | 1 |  |  | 281 |  |  |  |  | (12,962) |
Balance at end of period | $ | 3,787 |  |  | $ | 1,866 |  |  | $ | 26,980 |  |  | $ | 2,397 |  |  | $ | 47 |  |  | $ | 196 |  |  |  |  | $ | 35,273 |
(1) Included in charge-offs for the year ended December 31, 2023 is a $788,000 write down to fair value an $8.1 million commercial real estate loan relationship transferred to held for sale.

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