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Note 3 - Loans and Allowance for Credit Losses (Tables)
12 Months Ended
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 > 
  3059  6089  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 > 
  3059  6089  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