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Note 3 - Loans and Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2022

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

																		Percent
		June 30, 2022								December 31, 2021								Increase
		Balance				%				Balance				%				(Decrease)
Commercial:
Commercial and industrial (1)		$	1,187,650,000				31.9	%		$	1,137,419,000				32.9	%			4.4	%
Vacant land, land development, and residential construction			57,808,000				1.6				43,239,000				1.3				33.7
Real estate – owner occupied			598,593,000				16.1				565,758,000				16.4				5.8
Real estate – non-owner occupied			1,003,118,000				26.9				1,027,415,000				29.7				(2.4	)
Real estate – multi-family and residential rental			224,591,000				6.0				176,593,000				5.1				27.2
Total commercial			3,071,760,000				82.5				2,950,424,000				85.4				4.1
Retail:
1-4 family mortgages			623,599,000				16.7				442,547,000				12.8				40.9
Other consumer loans (2)			28,441,000				0.8				60,488,000				1.8				(53.0	)
Total retail			652,040,000				17.5				503,035,000				14.6				29.6
Total loans		$	3,723,800,000				100.0	%		$	3,453,459,000				100.0	%			7.8	%

Financing Receivable, Nonperforming [Table Text Block]

		June 30, 2022				December 31, 2021
Loans past due 90 days or more still accruing interest		$	0			$	155,000
Nonaccrual loans			1,787,000				2,313,000
Total nonperforming loans		$	1,787,000			$	2,468,000

		June 30, 2022				December 31, 2021
Commercial:
Commercial and industrial		$	248,000			$	663,000
Vacant land, land development, and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			248,000				663,000
Retail:
1-4 family mortgages			1,538,000				1,686,000
Other consumer loans			1,000				119,000
Total retail			1,539,000				1,805,000
Total nonperforming loans		$	1,787,000			$	2,468,000

Financing Receivable, Past Due [Table Text Block]

		30 – 59 Days Past Due				60 – 89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Current				Total Loans				Recorded Balance > 89 Days and Accruing
Commercial:
Commercial and industrial		$	0			$	0			$	0			$	0			$	1,187,650,000			$	1,187,650,000			$	0
Vacant land, land development, and residential construction			0				0				0				0				57,808,000				57,808,000				0
Real estate – owner occupied			0				0				0				0				598,593,000				598,593,000				0
Real estate – non-owner occupied			0				0				0				0				1,003,118,000				1,003,118,000				0
Real estate – multi-family and residential rental			0				0				0				0				224,591,000				224,591,000				0
Total commercial			0				0				0				0				3,071,760,000				3,071,760,000				0
Retail:
1-4 family mortgages			102,000				107,000				207,000				416,000				623,183,000				623,599,000				0
Other consumer loans			3,000				0				0				3,000				28,438,000				28,441,000				0
Total retail			105,000				107,000				207,000				419,000				651,621,000				652,040,000				0
Total past due loans		$	105,000			$	107,000			$	207,000			$	419,000			$	3,723,381,000			$	3,723,800,000			$	0

		30 – 59 Days Past Due				60 – 89 Days Past Due				Greater Than 89 Days Past Due				Total Past Due				Current				Total Loans				Recorded Balance > 89 Days and Accruing
Commercial:
Commercial and industrial		$	14,000			$	0			$	193,000			$	207,000			$	1,137,212,000			$	1,137,419,000			$	155,000
Vacant land, land development, and residential construction			13,000				0				0				13,000				43,226,000				43,239,000				0
Real estate – owner occupied			0				0				0				0				565,758,000				565,758,000				0
Real estate – non-owner occupied			0				0				0				0				1,027,415,000				1,027,415,000				0
Real estate – multi-family and residential rental			0				0				0				0				176,593,000				176,593,000				0
Total commercial			27,000				0				193,000				220,000				2,950,204,000				2,950,424,000				155,000
Retail:
Home equity and other			132,000				2,000				20,000				154,000				60,334,000				60,488,000				0
1-4 family mortgages			1,265,000				241,000				82,000				1,588,000				440,959,000				442,547,000				0
Total retail			1,397,000				243,000				102,000				1,742,000				501,293,000				503,035,000				0
Total past due loans		$	1,424,000			$	243,000			$	295,000			$	1,962,000			$	3,451,497,000			$	3,453,459,000			$	155,000

Financing Receivable, Nonaccrual [Table Text Block]

		Recorded
		Principal				Related
		Balance				Allowance
With no allowance recorded:
Commercial:
Commercial and industrial		$	248,000			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			248,000				0
Retail:
1-4 family mortgages			1,000				0
Other consumer loans			1,454,000				0
Total retail			1,455,000				0
Total with no allowance recorded		$	1,703,000			$	0
With an allowance recorded:
Commercial:
Commercial and industrial		$	0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			0				0
Retail:
1-4 family mortgages			84,000				48,000
Other consumer loans			0				0
Total retail			84,000				48,000
Total with an allowance recorded		$	84,000			$	48,000
Total nonaccrual loans:
Commercial		$	248,000			$	0
Retail			1,539,000				48,000
Total nonaccrual loans		$	1,787,000			$	48,000

Impaired Financing Receivables [Table Text Block]

		Unpaid Contractual Principal Balance				Recorded Principal Balance			Related Allowance		Second Quarter Average Recorded Principal Balance				Year-To- Date Average Recorded Principal Balance
With no related allowance recorded
Commercial:
Commercial and industrial		$	2,893,000			$	2,818,000				$	3,129,000			$	4,167,000
Vacant land, land development and residential construction			0				0					0				0
Real estate – owner occupied			9,674,000				9,674,000					13,114,000				13,607,000
Real estate – non-owner occupied			0				0					156,000				218,000
Real estate – multi-family and residential rental			91,000				91,000					0				0
Total commercial			12,658,000				12,583,000					16,399,000				17,992,000
Retail:
Home equity and other			1,173,000				1,107,000					1,088,000				1,054,000
1-4 family mortgages			3,166,000				2,025,000					2,376,000				2,442,000
Total retail			4,339,000				3,132,000					3,464,000				3,496,000
Total with no related allowance recorded		$	16,997,000			$	15,715,000				$	19,863,000			$	21,488,000

		Unpaid Contractual Principal Balance				Recorded Principal Balance				Related Allowance				Second Quarter Average Recorded Principal Balance				Year-To- Date Average Recorded Principal Balance
With an allowance recorded
Commercial:
Commercial and industrial		$	2,192,000			$	2,192,000			$	266,000			$	1,661,000			$	1,222,000
Vacant land, land development and residential construction			0				0				0				0				0
Real estate – owner occupied			761,000				761,000				84,000				872,000				826,000
Real estate – non-owner occupied			146,000				146,000				4,000				156,000				158,000
Real estate – multi-family and residential rental			0				0				0				0				0
Total commercial			3,099,000				3,099,000				354,000				2,689,000				2,206,000
Retail:
Home equity and other			160,000				140,000				123,000				242,000				256,000
1-4 family mortgages			412,000				412,000				69,000				581,000				620,000
Total retail			572,000				552,000				192,000				823,000				876,000
Total with an allowance recorded		$	3,671,000			$	3,651,000			$	546,000			$	3,512,000			$	3,082,000
Total impaired loans:
Commercial		$	15,757,000			$	15,682,000			$	354,000			$	19,088,000			$	20,198,000
Retail			4,911,000				3,684,000				192,000				4,287,000				4,372,000
Total impaired loans		$	20,668,000			$	19,366,000			$	546,000			$	23,375,000			$	24,570,000

Financing Receivable Credit Quality Indicators [Table Text Block]

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4 (1)		$	726,012,000			$	40,317,000			$	363,381,000			$	508,666,000			$	136,632,000
Grades 5 – 7			454,518,000				17,379,000				234,999,000				481,799,000				87,816,000
Grades 8 – 9			7,120,000				112,000				213,000				12,653,000				143,000
Total commercial		$	1,187,650,000			$	57,808,000			$	598,593,000			$	1,003,118,000			$	224,591,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Internal credit risk grade groupings:
Grades 1 – 4 (1)		$	729,224,000			$	28,390,000			$	346,082,000			$	503,482,000			$	119,473,000
Grades 5 – 7			398,378,000				14,730,000				208,060,000				511,280,000				56,968,000
Grades 8 – 9			9,817,000				119,000				11,616,000				12,653,000				152,000
Total commercial		$	1,137,419,000			$	43,239,000			$	565,758,000			$	1,027,415,000			$	176,593,000

Financing Receivable by Origination Year [Table Text Block]

		2022				2021				2020				2019				2018				Prior				Term Total				Revolving Loans				Grand Total
Commercial:
Commercial and Industrial:
Grades 1 – 4		$	73,547			$	183,393			$	54,533			$	13,863			$	3,792			$	10,932			$	340,060			$	385,952			$	726,012
Grades 5 – 7			122,198				68,241				62,274				9,459				2,074				600				264,846				189,672				454,518
Grades 8 – 9			3,849				249				0				0				55				47				4,200				2,920				7,120
Total		$	199,594			$	251,883			$	116,807			$	23,322			$	5,921			$	11,579			$	609,106			$	578,544			$	1,187,650
Vacant Land, Land Development and Residential Construction:
Grades 1 – 4		$	17,011			$	19,004			$	3,660			$	0			$	0			$	354			$	40,029			$	288			$	40,317
Grades 5 – 7			5,248				10,652				572				55				0				794				17,321				58				17,379
Grades 8 – 9			0				0				0				0				16				96				112				0				112
Total		$	22,259			$	29,656			$	4,232			$	55			$	16			$	1,244			$	57,462			$	346			$	57,808
Real Estate – Owner Occupied:
Grades 1 – 4		$	81,554			$	175,628			$	63,568			$	20,865			$	10,866			$	10,900			$	363,381			$	0			$	363,381
Grades 5 – 7			88,415				64,394				40,122				11,405				23,771				6,892				234,999				0				234,999
Grades 8 – 9			0				0				47				0				166				0				213				0				213
Total		$	169,969			$	240,022			$	103,737			$	32,270			$	34,803			$	17,792			$	598,593			$	0			$	598,593
Real Estate – Non-Owner Occupied:
Grades 1 – 4		$	64,529			$	193,494			$	144,040			$	78,997			$	10,428			$	17,178			$	508,666			$	0			$	508,666
Grades 5 – 7			83,053				178,420				133,404				23,436				15,620				47,866				481,799				0				481,799
Grades 8 – 9			6,849				5,804				0				0				0				0				12,653				0				12,653
Total		$	154,431			$	377,718			$	277,444			$	102,433			$	26,048			$	65,044			$	1,003,118			$	0			$	1,003,118
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4		$	26,872			$	58,323			$	37,867			$	5,768			$	3,121			$	4,681			$	136,632			$	0			$	136,632
Grades 5 – 7			38,618				26,763				13,928				3,486				3,591				1,430				87,816				0				87,816
Grades 8 – 9			88				0				0				0				0				55				143				0				143
Total		$	65,578			$	85,086			$	51,795			$	9,254			$	6,712			$	6,166			$	224,591			$	0			$	224,591
Total Commercial		$	611,831			$	984,365			$	554,015			$	167,334			$	73,500			$	101,825			$	2,492,870			$	578,890			$	3,071,760
Retail:
1-4 Family Mortgages		$	174,239			$	240,232			$	97,334			$	13,962			$	15,543			$	49,346			$	590,656			$	32,943			$	623,599
Other Consumer Loans			2,905				3,822				1,599				1,447				624				702				11,099				17,342				28,441
Total Retail		$	177,144			$	244,054			$	98,933			$	15,409			$	16,167			$	50,048			$	601,755			$	50,285			$	652,040
Grand Total		$	788,975			$	1,228,419			$	652,948			$	182,743			$	89,667			$	151,873			$	3,094,625			$	629,175			$	3,723,800

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		Commercial and industrial				Commercial vacant land, land development and residential construction				Commercial real estate – owner occupied				Commercial real estate – non-owner occupied				Commercial real estate – multi-family and residential rental				1-4 family mortgages				Other consumer loans				Unallocated				Total
Allowance for credit losses:
Balance at 3-31-22		$	8,413			$	455			$	5,803			$	10,322			$	1,276			$	8,562			$	191			$	131			$	35,153
Provision for credit losses			150				(10	)			(251	)			(708	)			(8	)			1,464				(28	)			(109	)			500
Charge-offs			0				0				0				0				0				0				(15	)			0				(15	)
Recoveries			45				1				26				0				6				241				17				0				336
Ending balance		$	8,608			$	446			$	5,578			$	9,614			$	1,274			$	10,267			$	165			$	22			$	35,974
Balance at 12-31-21		$	10,782			$	420			$	6,045			$	13,301			$	1,695			$	2,449			$	626			$	45			$	35,363
Adoption of ASU 2016-13			(1,571	)			(43	)			(560	)			(2,534	)			(621	)			5,395				(411	)			(55	)			(400	)
Provision for credit losses			(592	)			96				35				(1,153	)			186				2,057				(61	)			32				600
Charge-offs			(171	)			(29	)			0				0				0				(2	)			(18	)			0				(220	)
Recoveries			160				2				58				0				14				368				29				0				631
Ending balance		$	8,608			$	446			$	5,578			$	9,614			$	1,274			$	10,267			$	165			$	22			$	35,974

		Commercial and industrial				Commercial vacant land, land development and residential construction				Commercial real estate – owner occupied				Commercial real estate – non-owner occupied				Commercial real estate – multi-family and residential rental				Home equity and other				1–4 family mortgages				Unallocated				Total
Allowance for loan losses:
Balance at 3-31-21		$	10,111			$	720			$	8,304			$	13,751			$	1,825			$	841			$	2,953			$	190			$	38,695
Provision for loan losses			(764	)			(243	)			(696	)			(966	)			(38	)			(125	)			(263	)			(5	)			(3,100	)
Charge-offs			(54	)			0				(12	)			0				0				(2	)			0				0				(68	)
Recoveries			47				2				105				0				0				28				204				0				386
Ending balance		$	9,340			$	479			$	7,701			$	12,785			$	1,787			$	742			$	2,894			$	185			$	35,913
Balance at 12-31-20		$	9,424			$	679			$	8,246			$	13,611			$	1,819			$	889			$	3,240			$	59			$	37,967
Provision for loan losses			(181	)			(203	)			(877	)			(826	)			(32	)			(207	)			(600	)			126				(2,800	)
Charge-offs			(54	)			(15	)			(12	)			0				0				(6	)			(34	)			0				(121	)
Recoveries			151				18				344				0				0				66				288				0				867
Ending balance		$	9,340			$	479			$	7,701			$	12,785			$	1,787			$	742			$	2,894			$	185			$	35,913
Ending balance: individually evaluated for impairment		$	355			$	0			$	117			$	5			$	0			$	207			$	103			$	0			$	787
Ending balance: collectively evaluated for impairment		$	8,985			$	479			$	7,584			$	12,780			$	1,787			$	535			$	2,791			$	185			$	35,126
Total loans (*):
Ending balance		$	1,097,309			$	43,239			$	565,758			$	1,027,415			$	176,593			$	60,488			$	442,547							$	3,413,349
Ending balance: individually evaluated for impairment		$	5,010			$	0			$	10,435			$	146			$	91			$	1,247			$	2,437							$	19,366
Ending balance: collectively evaluated for impairment		$	1,092,299			$	43,239			$	555,323			$	1,027,269			$	176,502			$	59,241			$	440,110							$	3,393,983

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

		Number of Contracts				Pre- Modification Recorded Principal Balance				Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial			2			$	6,573,000			$	6,573,000
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			0				0				0
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total commercial			2				6,573,000				6,573,000
Retail:
1-4 family mortgages			1				84,000				84,000
Other consumer loans			0				0				0
Total retail			1				84,000				84,000
Total loans			3			$	6,657,000			$	6,657,000

		Number of Contracts				Pre- Modification Recorded Principal Balance				Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial			2			$	6,573,000			$	6,573,000
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			0				0				0
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total commercial			2				6,573,000				6,573,000
Retail:
1-4 family mortgages			3				212,000				212,000
Other consumer loans			0				0				0
Total retail			3				212,000				212,000
Total loans			5			$	6,785,000			$	6,785,000

		Number of Contracts				Pre- Modification Recorded Principal Balance				Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial			8			$	2,831,000			$	2,831,000
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			1				692,000				692,000
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total commercial			9				3,523,000				3,523,000
Retail:
Home equity and other			3				414,000				412,000
1-4 family mortgages			1				10,000				10,000
Total retail			4				424,000				422,000
Total loans			13			$	3,947,000			$	3,945,000

		Number of Contracts				Pre- Modification Recorded Principal Balance				Post- Modification Recorded Principal Balance
Commercial:
Commercial and industrial			9			$	2,854,000			$	2,853,000
Vacant land, land development and residential construction			0				0				0
Real estate – owner occupied			1				692,000				692,000
Real estate – non-owner occupied			0				0				0
Real estate – multi-family and residential rental			0				0				0
Total commercial			10				3,546,000				3,545,000
Retail:
Home equity and other			4				485,000				482,000
1-4 family mortgages			2				46,000				46,000
Total retail			6				531,000				528,000
Total loans			16			$	4,077,000			$	4,073,000

Troubled Debt Restructurings on Financing Receivables with in Previous Twelve Months that Became Over Thirty Days Past Due [Table Text Block]

		Number of Contracts				Recorded Principal Balance
Commercial:
Commercial and industrial			0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			0				0
Retail:
Home equity and other			0				0
1-4 family mortgages			0				0
Total retail			0				0
Total			0			$	0

		Number of Contracts				Recorded Principal Balance
Commercial:
Commercial and industrial			0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			0				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			0				0
Retail:
Home equity and other			0				0
1-4 family mortgages			0				0
Total retail			0				0
Total			0			$	0

		Number of Contracts				Recorded Principal Balance
Commercial:
Commercial and industrial			0			$	0
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			1				431,000
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			1				431,000
Retail:
Home equity and other			0				0
1-4 family mortgages			0				0
Total retail			0				0
Total			1			$	431,000

		Number of Contracts				Recorded Principal Balance
Commercial:
Commercial and industrial			2			$	522,000
Vacant land, land development and residential construction			0				0
Real estate – owner occupied			1				431,000
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			3				953,000
Retail:
Home equity and other			0				0
1-4 family mortgages			0				0
Total retail			0				0
Total			3			$	953,000

Trouble Debt Restructuring Activity [Table Text Block]

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	2,829,000			$	0			$	89,000			$	143,000			$	90,000
Charge-Offs			0				0				0				0				0
Payments (net)			536,000				0				(2,000	)			(4,000	)			(2,000	)
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			6,573,000				0				0				0				0
Ending Balance		$	9,938,000			$	0			$	87,000			$	139,000			$	88,000

		Retail				Retail
		1-4 Family				Other Consumer
		Mortgages				Loans
Retail Loan Portfolio:
Beginning Balance		$	2,346,000			$	13,000
Charge-Offs			0				0
Payments (net)			(91,000	)			(10,000	)
Transfers to ORE			0				0
Net Additions/Deletions			84,000				0
Ending Balance		$	2,339,000			$	3,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	4,973,000			$	0			$	10,435,000			$	146,000			$	91,000
Charge-Offs			0				0				0				0				0
Payments (net)			324,000				0				(9,679,000	)			(7,000	)			(3,000	)
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			4,641,000				0				(669,000	)			0				0
Ending Balance		$	9,938,000			$	0			$	87,000			$	139,000			$	88,000

		Retail				Retail
		1-4 Family				Other Consumer
		Mortgages				Loans
Retail Loan Portfolio:
Beginning Balance		$	627,000			$	1,202,000
Charge-Offs			0				0
Payments (net)			(169,000	)			(12,000	)
Transfers to ORE			0				0
Net Additions/Deletions (1)			1,881,000				(1,187,000	)
Ending Balance		$	2,339,000			$	3,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	3,760,000			$	0			$	13,887,000			$	471,000			$	0
Charge-Offs			0				0				0				0				0
Payments (net)			(845,000	)			0				(685,000	)			(318,000	)			0
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			2,648,000				0				686,000				0				0
Ending Balance		$	5,563,000			$	0			$	13,888,000			$	153,000			$	0

		Retail Home Equity and Other				Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance		$	1,099,000			$	820,000
Charge-Offs			0				0
Payments (net)			(115,000	)			(131,000	)
Transfers to ORE			0				0
Net Additions/Deletions			412,000				10,000
Ending Balance		$	1,396,000			$	699,000

		Commercial and Industrial				Commercial Vacant Land, Land Development, and Residential Construction				Commercial Real Estate - Owner Occupied				Commercial Real Estate - Non-Owner Occupied				Commercial Real Estate - Multi-Family and Residential Rental
Commercial Loan Portfolio:
Beginning Balance		$	6,414,000			$	0			$	14,797,000			$	480,000			$	0
Charge-Offs			0				0				0				0				0
Payments (net)			(3,521,000	)			0				(1,595,000	)			(327,000	)			0
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			2,670,000				0				686,000				0				0
Ending Balance		$	5,563,000			$	0			$	13,888,000			$	153,000			$	0

		Retail Home Equity and Other				Retail 1-4 Family Mortgages
Retail Loan Portfolio:
Beginning Balance		$	1,146,000			$	806,000
Charge-Offs			0				0
Payments (net)			(232,000	)			(153,000	)
Transfers to ORE			0				0
Net Additions/Deletions			482,000				46,000
Ending Balance		$	1,396,000			$	699,000

Retail Portfolio Segment [Member]

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		Other Consumer Loans				Retail 1-4 Family Mortgages
Performing		$	28,440,000			$	622,061,000
Nonperforming			1,000				1,538,000
Total retail		$	28,441,000			$	623,599,000

		Retail Home Equity and Other				Retail 1-4 Family Mortgages
Performing		$	60,369,000			$	440,861,000
Nonperforming			119,000				1,686,000
Total retail		$	60,488,000			$	442,547,000

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