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Loans (Tables)

9 Months Ended

Sep. 30, 2024

Receivables [Abstract]

Schedule of Loan Portfolio Segments and Classes

The table below identifies the Company’s loan portfolio segments and classes.

Portfolio Segment						Class of Financing Receivable
Commercial						Owner occupied real estate
						Non-owner occupied real estate
						Residential spec homes
						Development & spec land
						Commercial and industrial
Real estate						Residential mortgage
						Residential construction
Mortgage warehouse						Mortgage warehouse
Consumer						Installment
						Indirect auto
						Home equity

Schedule of Loans Outstanding By Portfolio Class

The following table presents total loans outstanding by portfolio class, as of September 30, 2024 and December 31, 2023:

			September 30, 2024						December 31, 2023
Commercial
Owner occupied real estate			$	634,470					$	640,731
Non–owner occupied real estate			1,424,248						1,273,838
Residential spec homes			16,447						13,489
Development & spec land			30,294						34,039
Commercial and industrial			808,600						712,863
Total commercial			2,914,059						2,674,960
Real estate
Residential mortgage			783,957						654,295
Residential construction			17,399						26,841
Mortgage warehouse			80,437						45,078
Total real estate			881,793						726,214
Consumer
Installment			101,554						52,366
Indirect auto			341,979						399,946
Home equity			564,611						564,144
Total consumer			1,008,144						1,016,456
Total loans			4,803,996						4,417,630
Allowance for credit losses			(52,881)						(50,029)
Net loans			$	4,751,115					$	4,367,601

Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans

The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loans at September 30, 2024:

			September 30, 2024
			Non–accrual						Loans Past Due Over 90 Days Still Accruing						Non–accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate			$	3,854					$	—					$	2,976
Non–owner occupied real estate			456						—						456
Residential spec homes			—						—						—
Development & spec land			574						—						574
Commercial and industrial			1,946						—						949
Total commercial			6,830						—						4,955
Real estate
Residential mortgage			9,529						71						—
Residential construction			—						—						—
Mortgage warehouse			—						—						—
Total real estate			9,529						71						—
Consumer
Installment			371						27						—
Indirect auto			1,304						228						—
Home equity			5,533						493						—
Total consumer			7,208						748						—
Total			$	23,567					$	819					$	4,955

The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loan at December 31, 2023:

			December 31, 2023
			Non–accrual						Loans Past Due Over 90 Days Still Accruing						Non–accruing Loans with no Allowance for Credit Losses
Commercial
Owner occupied real estate			$	2,636					$	—					$	1,789
Non–owner occupied real estate			3,485						—						1,242
Residential spec homes			—						—						—
Development & spec land			617						—						617
Commercial and industrial			624						—						20
Total commercial			7,362						—						3,668
Real estate
Residential mortgage			8,058						—						—
Residential construction			—						—						—
Mortgage warehouse			—						—						—
Total real estate			8,058						—						—
Consumer
Installment			88						—						—
Indirect auto			899						299						—
Home equity			3,303						260						—
Total consumer			4,290						559						—
Total			$	19,710					$	559					$	3,668

Schedule of Payment Status by Class of Loan

The following table presents the payment status by class of loan at September 30, 2024:

			September 30, 2024
			Current						30–59 Days Past Due						60–89 Days Past Due						90 Days or Greater Past Due						Total  Past Due Loans						Total Loans
Commercial
Owner occupied real estate			$	630,542					$	806					$	1,782					$	1,340					$	3,928					$	634,470
Non–owner occupied real estate			1,423,495						150						302						301						753						1,424,248
Residential spec homes			16,447						—						—						—						—						16,447
Development & spec land			30,294						—						—						—						—						30,294
Commercial and industrial			806,547						579						126						1,348						2,053						808,600
Total commercial			2,907,325						1,535						2,210						2,989						6,734						2,914,059
Real estate
Residential mortgage			775,653						89						3,130						5,085						8,304						783,957
Residential construction			17,399						—						—						—						—						17,399
Mortgage warehouse			80,437						—						—						—						—						80,437
Total real estate			873,489						89						3,130						5,085						8,304						881,793
Consumer
Installment			100,294						821						167						272						1,260						101,554
Indirect auto			336,038						4,310						971						660						5,941						341,979
Home equity			552,498						6,170						2,246						3,697						12,113						564,611
Total consumer			988,830						11,301						3,384						4,629						19,314						1,008,144
Total			$	4,769,644					$	12,925					$	8,724					$	12,703					$	34,352					$	4,803,996

The following table presents the payment status by class of loan at December 31, 2023:

			December 31, 2023
			Current						30–59 Days Past Due						60–89 Days Past Due						90 Days or Greater Past Due						Total  Past Due Loans						Total
Commercial
Owner occupied real estate			$	638,389					$	2,342					$	—					$	—					$	2,342					$	640,731
Non–owner occupied real estate			1,273,791						—						—						47						47						1,273,838
Residential spec homes			13,489						—						—						—						—						13,489
Development & spec land			33,036						—						1,003						—						1,003						34,039
Commercial and industrial			710,567						1,659						54						583						2,296						712,863
Total commercial			2,669,272						4,001						1,057						630						5,688						2,674,960
Real estate
Residential mortgage			646,984						2,823						2,353						2,135						7,311						654,295
Residential construction			26,841						—						—						—						—						26,841
Mortgage warehouse			45,078						—						—						—						—						45,078
Total real estate			718,903						2,823						2,353						2,135						7,311						726,214
Consumer
Installment			52,001						304						10						51						365						52,366
Indirect auto			393,615						4,958						736						637						6,331						399,946
Home equity			558,062						3,748						1,217						1,117						6,082						564,144
Total consumer			1,003,678						9,010						1,963						1,805						12,778						1,016,456
Total			$	4,391,853					$	15,834					$	5,373					$	4,570					$	25,777					$	4,417,630

Modified Loans

The following tables detail the amortized cost at September 30, 2024 of loans that were modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024 and the amortized cost at September 30, 2023, of loans that were modified to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2023:

			Three Months Ended September 30, 2024
			Principal Forgiveness						Term Extension						Interest Rate Reduction						Other-Than-Insignificant Payment Delay						Term Extension and Interest Rate Reduction						Multiple1						Total						% of Loans Held for Investment
Commercial
Owner occupied real estate			—						$	2,038					$	—					$	—					$	—					$	—					$	2,038					0.3		%
Commercial and industrial			—						1,111						—						—						—						—						1,111						0.1		%
Total			$	—					$	3,149					$	—					$	—					$	—					$	—					$	3,149					0.1		%
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.

			Nine Months Ended September 30, 2024
			Principal Forgiveness						Term Extension						Interest Rate Reduction						Other-Than-Insignificant Payment Delay						Term Extension and Interest Rate Reduction						Multiple1						Total						% of Loans Held for Investment
Commercial
Owner occupied real estate			$	—					$	3,986					$	—					$	—					$	—					$	—					$	3,986					0.6		%
Non–owner occupied real estate			—						1,720						—						651						—						—						2,371						0.2		%
Commercial and industrial			—						2,205						—						—						437						—						2,642						0.3		%
Total			$	—					$	7,911					$	—					$	651					$	437					$	—					$	8,999					0.3		%
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.

			Three Months Ended September 30, 2023
			Principal Forgiveness						Term Extension						Interest Rate Reduction						Other-Than-Insignificant Payment Delay						Term Extension and Interest Rate Reduction						Multiple1						Total						% of Loans Held for Investment
Commercial
Owner occupied real estate			$	—					$	2,082					$	—					$	—					$	—					$	—					$	2,082					0.3		%
Commercial and industrial			—						1,278						—						—						171						69						1,518						0.2		%
Total			$	—					$	3,360					$	—					$	—					$	171					$	69					$	3,600					0.1		%
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.

			Nine Months Ended September 30, 2023
			Principal Forgiveness						Term Extension						Interest Rate Reduction						Other-Than-Insignificant Payment Delay						Term Extension and Interest Rate Reduction						Multiple1						Total						% of Loans Held for Investment
Commercial
Owner occupied real estate			$	—					$	2,762					$	—					$	—					$	—					$	—					$	2,762					0.4		%
Commercial and industrial			—						1,347						—						—						1,243						165						2,755						0.3		%
Total			$	—					$	4,109					$	—					$	—					$	1,243					$	165					$	5,517					0.2		%
1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.

The following tables summarize the financial impacts of loan modifications and payment deferrals, as applicable, during the three and nine months ended September 30, 2024 and September 30, 2023:

						Three Months Ended September 30, 2024
						Weighted Average Term Extension (In Months)			Weighted Average Payment Delay (In Months)						Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate						6			—						—
Commercial and industrial						21			—						—

						Nine Months Ended September 30, 2024
						Weighted Average Term Extension (In Months)			Weighted Average Payment Delay (In Months)						Term Extension (In Months) & Rate Reduction (In Percentage Terms)
Commercial
Owner occupied real estate						7			—						—
Non–owner occupied real estate						15			5						—
Commercial and industrial						15			—						Weighted average term extension of 14 months & Weighted-average interest rate reduction of 2.03%

Three Months Ended September 30, 2023

Weighted Average Term Extension (In Months)

Term Extension (In Months) & Rate Reduction (In Percentage Terms)

Multiple1

Commercial

Owner occupied real estate

6

—

—

Commercial and industrial

4

Weighted average term extension of 96 months and weighted average rate reduction of 1.95%

Weighted Average term extension of 36 months and weighted average payment delay of 4 months

1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.

Nine Months Ended September 30, 2023

Weighted Average Term Extension (In Months)

Term Extension (In Months) & Rate Reduction (In Percentage Terms)

Multiple1

Commercial

Owner occupied real estate

15

—

—

Commercial and industrial

6

Weighted average term extension of 75 months and weighted average rate reduction of 1.04%

Weighted Average term extension of 40 months and weighted average payment delay of 7 months

1 Multiple modifications represents modifications to borrowers in the form of term extensions and other-than-insignificant payment deferrals.

Modified Loans Past Due

The following table presents the amortized cost basis at September 30, 2024 of loans to borrowers experiencing financial difficulty that had been modified within the previous 12 months:

			September 30, 2024
			Current						30-89 Days Past Due						90 Days Past Due						Total
Commercial
Owner occupied real estate			$	3,986					$	—					$	—					$	3,986
Non–owner occupied real estate			2,371						—						—						2,371
Commercial and industrial			2,641						—						—						2,641
Total commercial			8,998						—						—						8,998
Total			$	8,998					$	—					$	—					$	8,998

The following table presents the amortized cost basis at September 30, 2023 of loans to borrowers experiencing financial difficulty that had been modified on or after January 1, 2023 (the date we adopted ASU 2022-02) through September 30, 2023:

			September 30, 2023
			Current						30-89 Days Past Due						90 Days Past Due						Total
Commercial
Owner occupied real estate			$	2,762					$	—					$	—					$	2,762
Commercial and industrial			2,755						—						—						2,755
Total			$	5,517					$	—					$	—					$	5,517

Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans

The tables below present the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses, at September 30, 2024 and December 31, 2023.

			September 30, 2024
			Real Estate						Accounts Receivable/Equipment						Other						Total (1)						ACL Allocation
Commercial
Owner occupied real estate			$	3,854					$	—					$	—					$	3,854					$	234
Non–owner occupied real estate			456						—						—						456						—
Residential spec homes			—						—						—						—						—
Development & spec land			574						—						—						574						—
Commercial and industrial			1,437						509						—						1,946						799
Total commercial			6,321						509						—						6,830						1,033
Total collateral dependent loans			$	6,321					$	509					$	—					$	6,830					$	1,033
(1) Collateral dependent loans had a collateral fair value of $3.0 million at September 30, 2024

			December 31, 2023
			Real Estate						Accounts Receivable/Equipment						Other						Total (1)						ACL Allocation
Commercial
Owner occupied real estate			$	2,636					$	—					$	—					$	2,636					$	190
Non–owner occupied real estate			3,485						—						—						3,485						699
Residential spec homes			—						—						—						—						—
Development & spec land			617						—						—						617						—
Commercial and industrial			563						42						20						625						604
Total commercial			7,301						42						20						7,363						1,493
Total collateral dependent loans			$	7,301					$	42					$	20					$	7,363					$	1,493
(1) Collateral dependent loans had a collateral fair value of $6.3 million at December 31, 2023

Schedule of Loans by Credit Grades

The following tables present loans by credit grades and origination year at September 30, 2024.

September 30, 2024						2024						2023						2022						2021						2020						Prior						Revolving Term Loans						Revolving Loans						Total
Commercial
Owner occupied real estate
Pass						$	45,932					$	71,649					$	91,609					$	68,549					$	38,369					$	186,270					$	79,812					$	10,369					$	592,559
Special Mention						128						222						2,217						3,657						143						9,316						—						451						16,134
Substandard						552						8,574						1,056						6,346						—						8,749						—						500						25,777
Doubtful						—						—						—						—						—						—						—						—						—
Total owner occupied real estate						$	46,612					$	80,445					$	94,882					$	78,552					$	38,512					$	204,335					$	79,812					$	11,320					$	634,470
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	1					$	—					$	—					$	1
Non–owner occupied real estate
Pass						$	138,309					$	118,039					$	223,155					$	136,689					$	102,129					$	356,777					$	274,678					$	12,486					$	1,362,262
Special Mention						—						1,344						19,090						1,270						—						37,481						—						—						59,185
Substandard						84						302						—						—						137						2,278						—						—						2,801
Doubtful						—						—						—						—						—						—						—						—						—
Total non–owner occupied real estate						$	138,393					$	119,685					$	242,245					$	137,959					$	102,266					$	396,536					$	274,678					$	12,486					$	1,424,248
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	1					$	—					$	—					$	1
Residential spec homes
Pass						$	364					$	500					$	—					$	420					$	—					$	—					$	6,932					$	8,231					$	16,447
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						—						—						—						—
Doubtful						—						—						—						—						—						—						—						—						—
Total residential spec homes						$	364					$	500					$	—					$	420					$	—					$	—					$	6,932					$	8,231					$	16,447
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Development & spec land
Pass						$	721					$	4,152					$	796					$	119					$	343					$	1,986					$	20,894					$	292					$	29,303
Special Mention						—						—						—						—						—						320						—						—						320
Substandard						—						—						—						—						—						97						574						—						671
Doubtful						—						—						—						—						—						—						—						—						—
Total development & spec land						$	721					$	4,152					$	796					$	119					$	343					$	2,403					$	21,468					$	292					$	30,294
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Commercial & industrial
Pass						$	148,245					$	108,640					$	133,693					$	77,002					$	8,122					$	66,359					$	54,988					$	169,710					$	766,759
Special Mention						1,043						905						1,235						28						907						1,556						10,249						12,948						28,871
Substandard						191						1,813						853						365						292						3,780						1,325						4,351						12,970
Doubtful						—						—						—						—						—						—						—						—						—
Total commercial & industrial						$	149,479					$	111,358					$	135,781					$	77,395					$	9,321					$	71,695					$	66,562					$	187,009					$	808,600
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	40					$	108					$	—					$	148

September 30, 2024						2024						2023						2022						2021						2020						Prior						Revolving Term Loans						Revolving Loans						Total
Real estate
Residential mortgage
Performing						$	52,449					$	149,467					$	163,825					$	142,833					$	80,086					$	185,697					$	—					$	—					$	774,357
Non–performing						—						925						1,965						1,190						342						5,178						—						—						9,600
Total residential mortgage						$	52,449					$	150,392					$	165,790					$	144,023					$	80,428					$	190,875					$	—					$	—					$	783,957
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	5					$	—					$	—					$	5
Residential construction
Performing						$	—					$	—					$	—					$	—					$	—					$	—					$	17,359					$	40					$	17,399
Non–performing						—						—						—						—						—						—						—						—						—
Total residential construction						$	—					$	—					$	—					$	—					$	—					$	—					$	17,359					$	40					$	17,399
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Mortgage warehouse
Performing						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	80,437					$	80,437
Non–performing						—						—						—						—						—						—						—						—						—
Total mortgage warehouse						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	80,437					$	80,437
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

September 30, 2024						2024						2023						2022						2021						2020						Prior						Revolving Term Loans						Revolving Loans						Total
Consumer
Installment
Performing						$	9,771					$	63,461					$	10,359					$	5,899					$	3,010					$	6,719					$	5					$	1,932					$	101,156
Non–performing						—						302						23						52						—						21						—						—						398
Total installment						$	9,771					$	63,763					$	10,382					$	5,951					$	3,010					$	6,740					$	5					$	1,932					$	101,554
Gross charge–offs for the nine months ended September 30, 2024						$	66					$	59					$	166					$	1					$	35					$	22					$	8					$	—					$	357
Indirect auto
Performing						$	29,177					$	76,552					$	145,560					$	57,303					$	21,587					$	10,268					$	—					$	—					$	340,447
Non–performing						120						237						601						227						213						134						—						—						1,532
Total indirect auto						$	29,297					$	76,789					$	146,161					$	57,530					$	21,800					$	10,402					$	—					$	—					$	341,979
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	227					$	852					$	330					$	125					$	80					$	—					$	—					$	1,614
Home equity
Performing						$	10,936					$	23,248					$	17,222					$	5,498					$	1,992					$	10,142					$	18,999					$	470,548					$	558,585
Non–performing						—						190						318						—						31						324						5,163						—						6,026
Total home equity						$	10,936					$	23,438					$	17,540					$	5,498					$	2,023					$	10,466					$	24,162					$	470,548					$	564,611
Gross charge–offs for the nine months ended September 30, 2024						$	—					$	25					$	52					$	88					$	—					$	39					$	109					$	11					$	324

The following tables present loans by credit grades and origination year at December 31, 2023.

December 31, 2023						2023						2022						2021						2020						2019						Prior						Revolving Term Loans						Revolving Loans						Total
Commercial
Owner occupied real estate
Pass						$	66,814					$	101,620					$	73,199					$	44,067					$	41,726					$	173,913					$	93,432					$	8,226					$	602,997
Special Mention						3,920						490						3,777						—						2,038						8,128						—						452						18,805
Substandard						1,376						—						6,490						966						228						9,339						530						—						18,929
Doubtful						—						—						—						—						—						—						—						—						—
Total owner occupied real estate						$	72,110					$	102,110					$	83,466					$	45,033					$	43,992					$	191,380					$	93,962					$	8,678					$	640,731
Gross charge–offs for the year ended December 31, 2023						$	—					$	—					$	—					$	—					$	—					$	15					$	401					$	—					$	416
Non–owner occupied real estate
Pass						$	116,031					$	197,702					$	149,540					$	104,591					$	83,394					$	303,191					$	246,569					$	9,878					$	1,210,896
Special Mention						1,366						16,135						1,334						254						845						36,590						—						—						56,524
Substandard						—						—						—						185						—						6,233						—						—						6,418
Doubtful						—						—						—						—						—						—						—						—						—
Total non–owner occupied real estate						$	117,397					$	213,837					$	150,874					$	105,030					$	84,239					$	346,014					$	246,569					$	9,878					$	1,273,838
Gross charge–offs for the year ended December 31, 2023						$	—					$	—					$	—					$	—					$	—					$	10					$	—					$	—					$	10
Residential spec homes
Pass						$	—					$	—					$	498					$	—					$	—					$	—					$	5,852					$	7,139					$	13,489
Special Mention						—						—						—						—						—						—						—						—						—
Substandard						—						—						—						—						—						—						—						—						—
Doubtful						—						—						—						—						—						—						—						—						—
Total residential spec homes						$	—					$	—					$	498					$	—					$	—					$	—					$	5,852					$	7,139					$	13,489
Gross charge–offs for the year ended December 31, 2023						$	—					$	—					$	—					$	—					$	—					$	—					$	29					$	—					$	29
Development & spec land
Pass						$	5,133					$	1,477					$	990					$	390					$	247					$	3,146					$	20,236					$	170					$	31,789
Special Mention						—						—						—						—						—						—						1,529						—						1,529
Substandard						—						—						—						—						—						104						617						—						721
Doubtful						—						—						—						—						—						—						—						—						—
Total development & spec land						$	5,133					$	1,477					$	990					$	390					$	247					$	3,250					$	22,382					$	170					$	34,039
Gross charge–offs for the year ended December 31, 2023						$	—					$	—					$	—					$	—					$	—					$	73					$	—					$	—					$	73
Commercial & industrial
Pass						$	121,969					$	151,847					$	93,709					$	12,154					$	20,497					$	59,041					$	60,539					$	147,773					$	667,529
Special Mention						1,434						726						265						2,137						119						1,305						9,375						18,836						34,197
Substandard						1,595						703						223						211						768						2,404						2,863						2,370						11,137
Doubtful						—						—						—						—						—						—						—						—						—
Total commercial & industrial						$	124,998					$	153,276					$	94,197					$	14,502					$	21,384					$	62,750					$	72,777					$	168,979					$	712,863
Gross charge–offs for the year ended December 31, 2023						$	—					$	33					$	—					$	123					$	25					$	351					$	344					$	—					$	876

December 31, 2023						2023						2022						2021						2020						2019						Prior						Revolving Term Loans						Revolving Loans						Total
Real estate
Residential mortgage
Performing						$	40,920					$	154,803					$	157,480					$	85,159					$	30,464					$	177,411					$	—					$	—					$	646,237
Non–performing						118						1,591						748						259						647						4,695						—						—						8,058
Total residential mortgage						$	41,038					$	156,394					$	158,228					$	85,418					$	31,111					$	182,106					$	—					$	—					$	654,295
Gross charge–offs for the year ended December 31, 2023						$	—					$	28					$	—					$	—					$	—					$	20					$	—					$	—					$	48
Residential construction
Performing						$	—					$	—					$	—					$	—					$	—					$	—					$	26,841					$	—					$	26,841
Non–performing						—						—						—						—						—						—						—						—						—
Total residential construction						$	—					$	—					$	—					$	—					$	—					$	—					$	26,841					$	—					$	26,841
Gross charge–offs for the year ended December 31, 2023						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—
Mortgage warehouse
Performing						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	45,078					$	45,078
Non–performing						—						—						—						—						—						—						—						—						—
Total mortgage warehouse						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	45,078					$	45,078
Gross charge–offs for the year ended December 31, 2023						$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	—

December 31, 2023						2023						2022						2021						2020						2019						Prior						Revolving Term Loans						Revolving Loans						Total
Consumer
Installment
Performing						$	14,835					$	13,447					$	7,859					$	4,246					$	4,449					$	5,074					$	6					$	2,362					$	52,278
Non–performing						—						44						10						—						27						7						—						—						88
Total installment						$	14,835					$	13,491					$	7,869					$	4,246					$	4,476					$	5,081					$	6					$	2,362					$	52,366
Gross charge–offs for the year ended December 31, 2023						$	33					$	28					$	31					$	10					$	32					$	27					$	6					$	—					$	167
Indirect auto
Performing						$	65,260					$	191,871					$	80,773					$	35,995					$	16,690					$	8,159					$	—					$	—					$	398,748
Non–performing						49						424						312						229						124						60						—						—						1,198
Total indirect auto						$	65,309					$	192,295					$	81,085					$	36,224					$	16,814					$	8,219					$	—					$	—					$	399,946
Gross charge–offs for the year ended December 31, 2023						$	86					$	1,388					$	708					$	137					$	58					$	74					$	—					$	—					$	2,451
Home equity
Performing						$	26,376					$	21,379					$	5,121					$	2,447					$	3,885					$	9,987					$	12,713					$	478,673					$	560,581
Non–performing						—						212						—						54						177						260						2,860						—						3,563
Total home equity						$	26,376					$	21,591					$	5,121					$	2,501					$	4,062					$	10,247					$	15,573					$	478,673					$	564,144
Gross charge–offs for the year ended December 31, 2023						$	—					$	10					$	—					$	103					$	—					$	91					$	13					$	—					$	217

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