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v3.22.4

Note 3 - Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2022
Notes Tables |
Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] |
|  | December 31, 2022 |  |  | December 31, 2021 |  |  | Percent Increase |
|  | Balance |  |  | % |  |  | Balance |  |  | % |  |  | (Decrease) |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial (1) |  | $ | 1,185,083,000 |  |  |  | 30.3 | % |  | $ | 1,137,419,000 |  |  |  | 32.9 | % |  |  | 4.2 | %
Vacant land, land development, and residential construction |  |  | 61,873,000 |  |  |  | 1.6 |  |  |  | 43,239,000 |  |  |  | 1.3 |  |  |  | 43.1 |
Real estate – owner occupied |  |  | 639,192,000 |  |  |  | 16.3 |  |  |  | 565,758,000 |  |  |  | 16.4 |  |  |  | 13.0 |
Real estate – non-owner occupied |  |  | 1,033,734,000 |  |  |  | 26.4 |  |  |  | 1,027,415,000 |  |  |  | 29.7 |  |  |  | 0.6 |
Real estate – multi-family and residential rental |  |  | 211,948,000 |  |  |  | 5.4 |  |  |  | 176,593,000 |  |  |  | 5.1 |  |  |  | 20.0 |
Total commercial |  |  | 3,131,830,000 |  |  |  | 80.0 |  |  |  | 2,950,424,000 |  |  |  | 85.4 |  |  |  | 6.1 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family mortgages |  |  | 755,036,000 |  |  |  | 19.3 |  |  |  | 442,547,000 |  |  |  | 12.8 |  |  |  | 70.6 |
Other consumer loans (2) |  |  | 29,753,000 |  |  |  | 0.7 |  |  |  | 60,488,000 |  |  |  | 1.8 |  |  |  | (50.8 | )
Total retail |  |  | 784,789,000 |  |  |  | 20.0 |  |  |  | 503,035,000 |  |  |  | 14.6 |  |  |  | 56.0 |
Total loans |  | $ | 3,916,619,000 |  |  |  | 100.0 | % |  | $ | 3,453,459,000 |  |  |  | 100.0 | % |  |  | 13.4 | %
Concentrations Within Loan Portfolio [Table Text Block] |
|  | 2022 |  |  | 2021 |
|  |  |  |  |  | Percentage |  |  |  |  |  |  | Percentage |
|  |  |  |  |  | of |  |  |  |  |  |  | of |
|  |  |  |  |  | Loan |  |  |  |  |  |  | Loan |
|  | Balance |  |  | Portfolio |  |  | Balance |  |  | Portfolio |
Commercial real estate loans to lessors of non-residential buildings |  | $ | 738,891,000 |  |  |  | 18.9 | % |  | $ | 737,589,000 |  |  |  | 21.4 | %
Financing Receivable, Nonperforming [Table Text Block] |
|  | 2022 |  |  | 2021 |
Loans past due 90 days or more still accruing interest |  | $ | 0 |  |  | $ | 155,000 |
Nonaccrual loans |  |  | 7,728,000 |  |  |  | 2,313,000 |
Total nonperforming loans |  | $ | 7,728,000 |  |  | $ | 2,468,000 |
|  | December 31, 2022 |  |  | December 31, 2021 |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,024,000 |  |  | $ | 663,000 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 248,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 6,272,000 |  |  |  | 663,000 |
Retail: |  |  |  |  |  |  |  |
1-4 family mortgages |  |  | 1,456,000 |  |  |  | 1,686,000 |
Other consumer loans |  |  | 0 |  |  |  | 119,000 |
Total retail |  |  | 1,456,000 |  |  |  | 1,805,000 |
Total nonperforming loans |  | $ | 7,728,000 |  |  | $ | 2,468,000 |
Financing Receivable, Past Due [Table Text Block] |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Balance > |
|  | 30 – 59 |  |  | 60 – 89 |  |  | Than 89 |  |  |  |  |  |  |  |  |  |  |  | 89 |
|  | Days |  |  | Days |  |  | Days |  |  | Total |  |  |  |  |  | Total |  |  | Days and |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Loans |  |  | Accruing |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 0 |  |  | $ | 5,705,000 |  |  | $ | 249,000 |  |  | $ | 5,954,000 |  |  | $ | 1,179,129,000 |  |  | $ | 1,185,083,000 |  |  | $ | 0 |
Vacant land, land development, and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 61,873,000 |  |  |  | 61,873,000 |  |  |  | 0 |
Real estate – owner occupied |  |  | 0 |  |  |  | 248,000 |  |  |  | 0 |  |  |  | 248,000 |  |  |  | 638,944,000 |  |  |  | 639,192,000 |  |  |  | 0 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,033,734,000 |  |  |  | 1,033,734,000 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 211,948,000 |  |  |  | 211,948,000 |  |  |  | 0 |
Total commercial |  |  | 0 |  |  |  | 5,953,000 |  |  |  | 249,000 |  |  |  | 6,202,000 |  |  |  | 3,125,628,000 |  |  |  | 3,131,830,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family mortgages |  |  | 1,334,000 |  |  |  | 88,000 |  |  |  | 116,000 |  |  |  | 1,538,000 |  |  |  | 753,498,000 |  |  |  | 755,036,000 |  |  |  | 0 |
Other consumer loans |  |  | 15,000 |  |  |  | 1,000 |  |  |  | 0 |  |  |  | 16,000 |  |  |  | 29,737,000 |  |  |  | 29,753,000 |  |  |  | 0 |
Total retail |  |  | 1,349,000 |  |  |  | 89,000 |  |  |  | 116,000 |  |  |  | 1,554,000 |  |  |  | 783,235,000 |  |  |  | 784,789,000 |  |  |  | 0 |
Total past due loans |  | $ | 1,349,000 |  |  | $ | 6,042,000 |  |  | $ | 365,000 |  |  | $ | 7,756,000 |  |  | $ | 3,908,863,000 |  |  | $ | 3,916,619,000 |  |  | $ | 0 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded |
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Balance > |
|  | 30 – 59 |  |  | 60 – 89 |  |  | Than 89 |  |  |  |  |  |  |  |  |  |  |  | 89 |
|  | Days |  |  | Days |  |  | Days |  |  | Total |  |  |  |  |  | Total |  |  | Days and |
|  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Current |  |  | Loans |  |  | 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 |  | $ | 249,000 |  |  | $ | 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 |  |  | 249,000 |  |  |  | 0 |
Retail: |  |  |  |  |  |  |  |
1-4 family mortgages |  |  | 1,064,000 |  |  |  | 0 |
Other consumer loans |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 1,064,000 |  |  |  | 0 |
Total with no allowance recorded |  | $ | 1,313,000 |  |  | $ | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,775,000 |  |  | $ | 2,051,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 248,000 |  |  |  | 32,000 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 6,023,000 |  |  |  | 2,083,000 |
Retail: |  |  |  |  |  |  |  |
1-4 family mortgages |  |  | 392,000 |  |  |  | 200,000 |
Other consumer loans |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 392,000 |  |  |  | 200,000 |
Total with an allowance recorded |  | $ | 6,415,000 |  |  | $ | 2,283,000 |
Total nonaccrual loans: |  |  |  |  |  |  |  |
Commercial |  | $ | 6,272,000 |  |  | $ | 2,083,000 |
Retail |  |  | 1,456,000 |  |  |  | 200,000 |
Total nonaccrual loans |  | $ | 7,728,000 |  |  | $ | 2,283,000 |
Impaired Financing Receivables [Table Text Block] |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Year-To-Date Average Recorded Principal Balance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,893,000 |  |  | $ | 2,818,000 |  |  |  |  |  |  | $ | 3,632,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 0 |
Real estate – owner occupied |  |  | 9,674,000 |  |  |  | 9,674,000 |  |  |  |  |  |  |  | 12,634,000 |
Real estate – non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  |  |  |  |  | 131,000 |
Real estate – multi-family and residential rental |  |  | 91,000 |  |  |  | 91,000 |  |  |  |  |  |  |  | 37,000 |
Total commercial |  |  | 12,658,000 |  |  |  | 12,583,000 |  |  |  |  |  |  |  | 16,434,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 1,173,000 |  |  |  | 1,107,000 |  |  |  |  |  |  |  | 1,096,000 |
1-4 family mortgages |  |  | 3,166,000 |  |  |  | 2,025,000 |  |  |  |  |  |  |  | 2,327,000 |
Total retail |  |  | 4,339,000 |  |  |  | 3,132,000 |  |  |  |  |  |  |  | 3,423,000 |
Total with no related allowance recorded |  | $ | 16,997,000 |  |  | $ | 15,715,000 |  |  |  |  |  |  | $ | 19,857,000 |
|  | Unpaid Contractual Principal Balance |  |  | Recorded Principal Balance |  |  | Related Allowance |  |  | Year-To-Date Average Recorded Principal Balance |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 2,192,000 |  |  | $ | 2,192,000 |  |  | $ | 266,000 |  |  | $ | 1,732,000 |
Vacant land, land development and residential construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Real estate – owner occupied |  |  | 761,000 |  |  |  | 761,000 |  |  |  | 84,000 |  |  |  | 803,000 |
Real estate – non-owner occupied |  |  | 146,000 |  |  |  | 146,000 |  |  |  | 4,000 |  |  |  | 154,000 |
Real estate – multi-family and residential rental |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total commercial |  |  | 3,099,000 |  |  |  | 3,099,000 |  |  |  | 354,000 |  |  |  | 2,689,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 160,000 |  |  |  | 140,000 |  |  |  | 123,000 |  |  |  | 214,000 |
1-4 family mortgages |  |  | 412,000 |  |  |  | 412,000 |  |  |  | 69,000 |  |  |  | 537,000 |
Total retail |  |  | 572,000 |  |  |  | 552,000 |  |  |  | 192,000 |  |  |  | 751,000 |
Total with an allowance recorded |  | $ | 3,671,000 |  |  | $ | 3,651,000 |  |  | $ | 546,000 |  |  | $ | 3,440,000 |
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 15,757,000 |  |  | $ | 15,682,000 |  |  | $ | 354,000 |  |  | $ | 19,123,000 |
Retail |  |  | 4,911,000 |  |  |  | 3,684,000 |  |  |  | 192,000 |  |  |  | 4,174,000 |
Total impaired loans |  | $ | 20,668,000 |  |  | $ | 19,366,000 |  |  | $ | 546,000 |  |  | $ | 23,297,000 |
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) |  | $ | 719,583,000 |  |  | $ | 41,711,000 |  |  | $ | 406,341,000 |  |  | $ | 447,606,000 |  |  | $ | 118,385,000 |
Grades 5 – 7 |  |  | 450,405,000 |  |  |  | 20,057,000 |  |  |  | 229,766,000 |  |  |  | 573,728,000 |  |  |  | 93,514,000 |
Grades 8 – 9 |  |  | 15,095,000 |  |  |  | 105,000 |  |  |  | 3,085,000 |  |  |  | 12,400,000 |  |  |  | 49,000 |
Total commercial |  | $ | 1,185,083,000 |  |  | $ | 61,873,000 |  |  | $ | 639,192,000 |  |  | $ | 1,033,734,000 |  |  | $ | 211,948,000 |
|  | 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 |  | $ | 115,494 |  |  | $ | 141,481 |  |  | $ | 43,961 |  |  | $ | 9,194 |  |  | $ | 3,230 |  |  | $ | 9,851 |  |  | $ | 323,211 |  |  | $ | 396,372 |  |  | $ | 719,583 |
Grades 5 – 7 |  |  | 151,783 |  |  |  | 47,030 |  |  |  | 31,697 |  |  |  | 8,870 |  |  |  | 569 |  |  |  | 93 |  |  |  | 240,042 |  |  |  | 210,363 |  |  |  | 450,405 |
Grades 8 – 9 |  |  | 3,784 |  |  |  | 249 |  |  |  | 0 |  |  |  | 0 |  |  |  | 48 |  |  |  | 29 |  |  |  | 4,110 |  |  |  | 10,985 |  |  |  | 15,095 |
Total |  | $ | 271,061 |  |  | $ | 188,760 |  |  | $ | 75,658 |  |  | $ | 18,064 |  |  | $ | 3,847 |  |  | $ | 9,973 |  |  | $ | 567,363 |  |  | $ | 617,720 |  |  | $ | 1,185,083 |
Vacant Land, Land Development and Residential Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 31,756 |  |  | $ | 6,196 |  |  | $ | 3,428 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 331 |  |  | $ | 41,711 |  |  | $ | 0 |  |  | $ | 41,711 |
Grades 5 – 7 |  |  | 10,270 |  |  |  | 8,760 |  |  |  | 351 |  |  |  | 50 |  |  |  | 0 |  |  |  | 626 |  |  |  | 20,057 |  |  |  | 0 |  |  |  | 20,057 |
Grades 8 – 9 |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 14 |  |  |  | 91 |  |  |  | 105 |  |  |  | 0 |  |  |  | 105 |
Total |  | $ | 42,026 |  |  | $ | 14,956 |  |  | $ | 3,779 |  |  | $ | 50 |  |  | $ | 14 |  |  | $ | 1,048 |  |  | $ | 61,873 |  |  | $ | 0 |  |  | $ | 61,873 |
Real Estate – Owner Occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 194,072 |  |  | $ | 113,528 |  |  | $ | 53,630 |  |  | $ | 19,670 |  |  | $ | 19,279 |  |  | $ | 6,162 |  |  | $ | 406,341 |  |  | $ | 0 |  |  | $ | 406,341 |
Grades 5 – 7 |  |  | 115,720 |  |  |  | 56,173 |  |  |  | 33,913 |  |  |  | 10,245 |  |  |  | 12,550 |  |  |  | 1,165 |  |  |  | 229,766 |  |  |  | 0 |  |  |  | 229,766 |
Grades 8 – 9 |  |  | 2,919 |  |  |  | 0 |  |  |  | 44 |  |  |  | 0 |  |  |  | 122 |  |  |  | 0 |  |  |  | 3,085 |  |  |  | 0 |  |  |  | 3,085 |
Total |  | $ | 312,711 |  |  | $ | 169,701 |  |  | $ | 87,587 |  |  | $ | 29,915 |  |  | $ | 31,951 |  |  | $ | 7,327 |  |  | $ | 639,192 |  |  | $ | 0 |  |  | $ | 639,192 |
Real Estate – Non-Owner Occupied: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 129,153 |  |  | $ | 163,035 |  |  | $ | 89,125 |  |  | $ | 44,196 |  |  | $ | 10,079 |  |  | $ | 12,018 |  |  | $ | 447,606 |  |  | $ | 0 |  |  | $ | 447,606 |
Grades 5 – 7 |  |  | 183,388 |  |  |  | 164,334 |  |  |  | 139,951 |  |  |  | 35,200 |  |  |  | 13,456 |  |  |  | 37,399 |  |  |  | 573,728 |  |  |  | 0 |  |  |  | 573,728 |
Grades 8 – 9 |  |  | 6,712 |  |  |  | 5,688 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,400 |  |  |  | 0 |  |  |  | 12,400 |
Total |  | $ | 319,253 |  |  | $ | 333,057 |  |  | $ | 229,076 |  |  | $ | 79,396 |  |  | $ | 23,535 |  |  | $ | 49,417 |  |  | $ | 1,033,734 |  |  | $ | 0 |  |  | $ | 1,033,734 |
Real Estate – Multi-Family and Residential Rental: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Grades 1 – 4 |  | $ | 31,470 |  |  | $ | 38,176 |  |  | $ | 36,348 |  |  | $ | 5,306 |  |  | $ | 3,082 |  |  | $ | 4,003 |  |  | $ | 118,385 |  |  | $ | 0 |  |  | $ | 118,385 |
Grades 5 – 7 |  |  | 48,847 |  |  |  | 25,786 |  |  |  | 12,879 |  |  |  | 3,162 |  |  |  | 2,557 |  |  |  | 283 |  |  |  | 93,514 |  |  |  | 0 |  |  |  | 93,514 |
Grades 8 – 9 |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 49 |  |  |  | 49 |  |  |  | 0 |  |  |  | 49 |
Total |  | $ | 80,317 |  |  | $ | 63,962 |  |  | $ | 49,227 |  |  | $ | 8,468 |  |  | $ | 5,639 |  |  | $ | 4,335 |  |  | $ | 211,948 |  |  | $ | 0 |  |  | $ | 211,948 |
Total Commercial |  | $ | 1,025,368 |  |  | $ | 770,436 |  |  | $ | 445,327 |  |  | $ | 135,893 |  |  | $ | 64,986 |  |  | $ | 72,100 |  |  | $ | 2,514,110 |  |  | $ | 617,720 |  |  | $ | 3,131,830 |
|  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Term Total |  |  | Revolving Loans |  |  | Grand Total |
Retail: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 Family Mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 313,611 |  |  | $ | 242,950 |  |  | $ | 91,936 |  |  | $ | 12,094 |  |  | $ | 14,297 |  |  | $ | 41,622 |  |  | $ | 716,510 |  |  | $ | 37,070 |  |  | $ | 753,580 |
Nonperforming |  |  | 142 |  |  |  | 82 |  |  |  | 0 |  |  |  | 0 |  |  |  | 203 |  |  |  | 1,029 |  |  |  | 1,456 |  |  |  | 0 |  |  |  | 1,456 |
Total |  | $ | 313,753 |  |  | $ | 243,032 |  |  | $ | 91,936 |  |  | $ | 12,094 |  |  | $ | 14,500 |  |  | $ | 42,651 |  |  | $ | 717,966 |  |  | $ | 37,070 |  |  | $ | 755,036 |
Other Consumer Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 4,349 |  |  | $ | 2,870 |  |  | $ | 1,040 |  |  | $ | 1,074 |  |  | $ | 395 |  |  | $ | 430 |  |  | $ | 10,158 |  |  | $ | 19,595 |  |  | $ | 29,753 |
Nonperforming |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total |  | $ | 4,349 |  |  | $ | 2,870 |  |  | $ | 1,040 |  |  | $ | 1,074 |  |  | $ | 395 |  |  | $ | 430 |  |  | $ | 10,158 |  |  | $ | 19,595 |  |  | $ | 29,753 |
Total Retail |  | $ | 318,102 |  |  | $ | 245,902 |  |  | $ | 92,976 |  |  | $ | 13,168 |  |  | $ | 14,895 |  |  | $ | 43,081 |  |  | $ | 728,124 |  |  | $ | 56,665 |  |  | $ | 784,789 |
Grand Total |  | $ | 1,343,470 |  |  | $ | 1,016,338 |  |  | $ | 538,303 |  |  | $ | 149,061 |  |  | $ | 79,881 |  |  | $ | 115,181 |  |  | $ | 3,242,234 |  |  | $ | 674,385 |  |  | $ | 3,916,619 |
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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 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 |  |  | 946 |  |  |  | 138 |  |  |  | 378 |  |  |  | (603 | ) |  |  | 152 |  |  |  | 5,621 |  |  |  | (111 | ) |  |  | 29 |  |  |  | 6,550 |
Charge-offs |  |  | (171 | ) |  |  | (29 | ) |  |  | (38 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (33 | ) |  |  | (21 | ) |  |  | 0 |  |  |  | (292 | )
Recoveries |  |  | 217 |  |  |  | 4 |  |  |  | 89 |  |  |  | 0 |  |  |  | 43 |  |  |  | 595 |  |  |  | 77 |  |  |  | 0 |  |  |  | 1,025 |
Ending balance |  | $ | 10,203 |  |  | $ | 490 |  |  | $ | 5,914 |  |  | $ | 10,164 |  |  | $ | 1,269 |  |  | $ | 14,027 |  |  | $ | 160 |  |  | $ | 19 |  |  | $ | 42,246 |
|  | 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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 9,424 |  |  | $ | 679 |  |  | $ | 8,246 |  |  | $ | 13,611 |  |  | $ | 1,819 |  |  | $ | 889 |  |  | $ | 3,240 |  |  | $ | 59 |  |  | $ | 37,967 |
Provision for loan losses |  |  | 2,030 |  |  |  | (618 | ) |  |  | (3,308 | ) |  |  | (310 | ) |  |  | (150 | ) |  |  | (301 | ) |  |  | (1,629 | ) |  |  | (14 | ) |  |  | (4,300 | )
Charge-offs |  |  | (882 | ) |  |  | (15 | ) |  |  | (12 | ) |  |  | 0 |  |  |  | 0 |  |  |  | (43 | ) |  |  | (92 | ) |  |  | 0 |  |  |  | (1,044 | )
Recoveries |  |  | 210 |  |  |  | 374 |  |  |  | 1,119 |  |  |  | 0 |  |  |  | 26 |  |  |  | 81 |  |  |  | 930 |  |  |  | 0 |  |  |  | 2,740 |
Ending balance |  | $ | 10,782 |  |  | $ | 420 |  |  | $ | 6,045 |  |  | $ | 13,301 |  |  | $ | 1,695 |  |  | $ | 626 |  |  | $ | 2,449 |  |  | $ | 45 |  |  | $ | 35,363 |
Ending balance: individually evaluated for impairment |  | $ | 266 |  |  | $ | 0 |  |  | $ | 84 |  |  | $ | 0 |  |  | $ | 4 |  |  | $ | 123 |  |  | $ | 69 |  |  | $ | 0 |  |  | $ | 546 |
Ending balance: collectively evaluated for impairment |  | $ | 10,516 |  |  | $ | 420 |  |  | $ | 5,961 |  |  | $ | 13,301 |  |  | $ | 1,691 |  |  | $ | 503 |  |  | $ | 2,380 |  |  | $ | 45 |  |  | $ | 34,817 |
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 |
|  | 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: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 6,659 |  |  | $ | 466 |  |  | $ | 6,291 |  |  | $ | 6,761 |  |  | $ | 893 |  |  | $ | 861 |  |  |  | 1,888 |  |  | $ | 70 |  |  | $ | 23,889 |
Provision for loan losses |  |  | 2,921 |  |  |  | 289 |  |  |  | 1,881 |  |  |  | 6,837 |  |  |  | 907 |  |  |  | 58 |  |  |  | 1,168 |  |  |  | (11 | ) |  |  | 14,050 |
Charge-offs |  |  | (247 | ) |  |  | (113 | ) |  |  | (235 | ) |  |  | 0 |  |  |  | (18 | ) |  |  | (96 | ) |  |  | (129 | ) |  |  | 0 |  |  |  | (838 | )
Recoveries |  |  | 91 |  |  |  | 37 |  |  |  | 309 |  |  |  | 13 |  |  |  | 37 |  |  |  | 66 |  |  |  | 313 |  |  |  | 0 |  |  |  | 866 |
Ending balance |  | $ | 9,424 |  |  | $ | 679 |  |  | $ | 8,246 |  |  | $ | 13,611 |  |  | $ | 1,819 |  |  | $ | 889 |  |  | $ | 3,240 |  |  | $ | 59 |  |  | $ | 37,967 |
Ending balance: individually evaluated for impairment |  | $ | 53 |  |  | $ | 0 |  |  | $ | 77 |  |  | $ | 8 |  |  | $ | 0 |  |  | $ | 241 |  |  | $ | 172 |  |  | $ | 0 |  |  | $ | 551 |
Ending balance: collectively evaluated for impairment |  | $ | 9,371 |  |  | $ | 679 |  |  | $ | 8,169 |  |  | $ | 13,603 |  |  | $ | 1,819 |  |  | $ | 648 |  |  | $ | 3,068 |  |  | $ | 59 |  |  | $ | 37,416 |
Total loans (*): |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 780,164 |  |  | $ | 55,055 |  |  | $ | 529,953 |  |  | $ | 917,436 |  |  | $ | 146,095 |  |  | $ | 61,620 |  |  | $ | 337,888 |  |  |  |  |  |  | $ | 2,828,211 |
Ending balance: individually evaluated for impairment |  | $ | 6,585 |  |  | $ | 0 |  |  | $ | 15,327 |  |  | $ | 503 |  |  | $ | 0 |  |  | $ | 1,270 |  |  | $ | 3,273 |  |  |  |  |  |  | $ | 26,958 |
Ending balance: collectively evaluated for impairment |  | $ | 773,579 |  |  | $ | 55,055 |  |  | $ | 514,626 |  |  | $ | 916,933 |  |  | $ | 146,095 |  |  | $ | 60,350 |  |  | $ | 334,615 |  |  |  |  |  |  | $ | 2,801,253 |
Financing Receivable, Troubled Debt Restructuring [Table Text Block] |
|  |  |  |  |  | Pre- |  |  | Post- |
|  |  |  |  |  | Modification |  |  | Modification |
|  |  |  |  |  | Recorded |  |  | Recorded |
|  | Number of |  |  | Principal |  |  | Principal |
|  | Contracts |  |  | Balance |  |  | Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 3 |  |  | $ | 6,593,000 |  |  | $ | 6,593,000 |
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 |  |  | 3 |  |  |  | 6,593,000 |  |  |  | 6,593,000 |
Retail: |  |  |  |  |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 7 |  |  |  | 758,000 |  |  |  | 757,000 |
Total retail |  |  | 7 |  |  |  | 758,000 |  |  |  | 757,000 |
Total |  |  | 10 |  |  | $ | 7,351,000 |  |  | $ | 7,350,000 |
|  |  |  |  |  | Pre- |  |  | Post- |
|  |  |  |  |  | Modification |  |  | Modification |
|  |  |  |  |  | Recorded |  |  | Recorded |
|  | Number of |  |  | Principal |  |  | Principal |
|  | Contracts |  |  | Balance |  |  | Balance |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 10 |  |  | $ | 3,017,000 |  |  | $ | 3,016,000 |
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 |  |  | 1 |  |  |  | 93,000 |  |  |  | 93,000 |
Total commercial |  |  | 12 |  |  |  | 3,802,000 |  |  |  | 3,801,000 |
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 |  |  | 18 |  |  | $ | 4,333,000 |  |  | $ | 4,329,000 |
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 |  |  | 2 |  |  | $ | 5,665,000 |
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 |  |  | 2 |  |  |  | 5,665,000 |
Retail: |  |  |  |  |  |  |  |
Home equity and other |  |  | 0 |  |  |  | 0 |
1-4 family mortgages |  |  | 0 |  |  |  | 0 |
Total retail |  |  | 0 |  |  |  | 0 |
Total |  |  | 2 |  |  | $ | 5,665,000 |
|  | 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 |
Trouble Debt Restructuring Activity [Table Text Block] |
|  | Commercial and |  |  | Commercial Vacant Land, Land Development, and Residential |  |  | Commercial Real Estate - Owner |  |  | Commercial Real Estate - Non-Owner |  |  | Commercial Real Estate - Multi-Family and Residential |
|  | Industrial |  |  | Construction |  |  | Occupied |  |  | Occupied |  |  | Rental |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 4,973,000 |  |  | $ | 0 |  |  | $ | 10,435,000 |  |  | $ | 146,000 |  |  | $ | 91,000 |
Charge-Offs |  |  | (95,000 | ) |  |  | 0 |  |  |  | (39,000 | ) |  |  | 0 |  |  |  | 0 |
Payments |  |  | (772,000 | ) |  |  | 0 |  |  |  | (9,683,000 | ) |  |  | (16,000 | ) |  |  | (91,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 4,566,000 |  |  |  | 0 |  |  |  | (669,000 | ) |  |  | 0 |  |  |  | 0 |
Ending Balance |  | $ | 8,672,000 |  |  | $ | 0 |  |  | $ | 44,000 |  |  | $ | 130,000 |  |  | $ | 0 |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,202,000 |  |  | $ | 627,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | (14,000 | ) |  |  | (317,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions (1) |  |  | (1,187,000 | ) |  |  | 2,426,000 |
Ending Balance |  | $ | 1,000 |  |  | $ | 2,736,000 |
|  | Commercial and |  |  | Commercial Vacant Land, Land Development, and Residential |  |  | Commercial Real Estate - Owner |  |  | Commercial Real Estate - Non-Owner |  |  | Commercial Real Estate - Multi-Family and Residential |
|  | Industrial |  |  | Construction |  |  | Occupied |  |  | Occupied |  |  | Rental |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 6,414,000 |  |  | $ | 0 |  |  | $ | 14,797,000 |  |  | $ | 480,000 |  |  | $ | 0 |
Charge-Offs |  |  | (17,000 | ) |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Payments |  |  | (4,278,000 | ) |  |  | 0 |  |  |  | (5,048,000 | ) |  |  | (334,000 | ) |  |  | (1,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 2,854,000 |  |  |  | 0 |  |  |  | 686,000 |  |  |  | 0 |  |  |  | 92,000 |
Ending Balance |  | $ | 4,973,000 |  |  | $ | 0 |  |  | $ | 10,435,000 |  |  | $ | 146,000 |  |  | $ | 91,000 |
|  | 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 |  |  | (426,000 | ) |  |  | (224,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 482,000 |  |  |  | 45,000 |
Ending Balance |  | $ | 1,202,000 |  |  | $ | 627,000 |
|  | Commercial and |  |  | Commercial Vacant Land, Land Development, and Residential |  |  | Commercial Real Estate - Owner |  |  | Commercial Real Estate - Non-Owner |  |  | Commercial Real Estate - Multi-Family and Residential |
|  | Industrial |  |  | Construction |  |  | Occupied |  |  | Occupied |  |  | Rental |
Commercial Loan Portfolio: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 8,587,000 |  |  | $ | 85,000 |  |  | $ | 1,145,000 |  |  | $ | 178,000 |  |  | $ | 7,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Payments |  |  | (11,260,000 | ) |  |  | (85,000 | ) |  |  | (3,765,000 | ) |  |  | (585,000 | ) |  |  | (7,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 9,087,000 |  |  |  | 0 |  |  |  | 17,417,000 |  |  |  | 887,000 |  |  |  | 0 |
Ending Balance |  | $ | 6,414,000 |  |  | $ | 0 |  |  | $ | 14,797,000 |  |  | $ | 480,000 |  |  | $ | 0 |
|  | Retail Home Equity and Other |  |  | Retail 1-4 Family Mortgages |
Retail Loan Portfolio: |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,415,000 |  |  | $ | 724,000 |
Charge-Offs |  |  | 0 |  |  |  | 0 |
Payments |  |  | (881,000 | ) |  |  | (68,000 | )
Transfers to ORE |  |  | 0 |  |  |  | 0 |
Net Additions/Deletions |  |  | 612,000 |  |  |  | 150,000 |
Ending Balance |  | $ | 1,146,000 |  |  | $ | 806,000 |
Retail Portfolio Segment [Member] |
Notes Tables |
Financing Receivable Credit Quality Indicators [Table Text Block] |
|  | Retail 1-4 Family Mortgages |  |  | Retail Other Consumer Loans |
Performing |  | $ | 753,580,000 |  |  | $ | 29,753,000 |
Nonperforming |  |  | 1,456,000 |  |  |  | 0 |
Total retail |  | $ | 755,036,000 |  |  | $ | 29,753,000 |
|  | 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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