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

9 Months Ended

Sep. 30, 2023

Notes Tables

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

																		Percent
		September 30, 2023								December 31, 2022								Increase
		Balance						%		Balance						%		(Decrease)
Commercial:
Commercial and industrial		$	1,166,187,000				28.4	%		$	1,185,083,000				30.3	%			(1.6	)%
Vacant land, land development, and residential construction			72,921,000				1.7				61,873,000				1.6				17.9
Real estate – owner occupied			671,083,000				16.4				639,192,000				16.3				5.0
Real estate – non-owner occupied *			1,000,411,000				24.4				979,214,000				25.0				2.2
Real estate – multi-family and residential rental *			308,229,000				7.5				266,468,000				6.8				15.7
Total commercial			3,218,831,000				78.4				3,131,830,000				80.0				2.8
Retail:
1-4 family mortgages			854,175,000				20.8				755,036,000				19.3				13.1
Other consumer loans			31,370,000				0.8				29,753,000				0.7				5.4
Total retail			885,545,000				21.6				784,789,000				20.0				12.8
Total loans		$	4,104,376,000				100.0	%		$	3,916,619,000				100.0	%			4.8	%

Financing Receivable, Nonperforming [Table Text Block]

		September 30,				December 31,
		2023				2022
Loans past due 90 days or more still accruing interest		$	0			$	0
Nonaccrual loans			5,889,000				7,728,000
Total nonperforming loans		$	5,889,000			$	7,728,000

		September 30,				December 31,
		2023				2022
Commercial:
Commercial and industrial		$	3,288,000			$	6,024,000
Vacant land, land development, and residential construction			0				0
Real estate – owner occupied			738,000				248,000
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			4,026,000				6,272,000
Retail:
1-4 family mortgages			1,863,000				1,456,000
Other consumer loans			0				0
Total retail			1,863,000				1,456,000
Total nonperforming loans		$	5,889,000			$	7,728,000

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		$	4,000			$	0			$	249,000			$	253,000			$	1,165,934,000			$	1,166,187,000			$	0
Vacant land, land development, and residential construction			0				0				0				0				72,921,000				72,921,000				0
Real estate – owner occupied			0				0				70,000				70,000				671,013,000				671,083,000				0
Real estate – non- owner occupied			0				0				0				0				1,000,411,000				1,000,411,000				0
Real estate – multi-family and residential rental			0				0				0				0				308,229,000				308,229,000				0
Total commercial			4,000				0				319,000				323,000				3,218,508,000				3,218,831,000				0
Retail:
1-4 family mortgages			680,000				499,000				132,000				1,311,000				852,864,000				854,175,000				0
Other consumer loans			1,000				0				0				1,000				31,369,000				31,370,000				0
Total retail			681,000				499,000				132,000				1,312,000				884,233,000				885,545,000				0
Total past due loans		$	685,000			$	499,000			$	451,000			$	1,635,000			$	4,102,741,000			$	4,104,376,000			$	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		$	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				979,214,000				979,214,000				0
Real estate – multi-family and residential rental			0				0				0				0				266,468,000				266,468,000				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

Financing Receivable, Nonaccrual [Table Text Block]

		Amortized				Related
		Cost				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			738,000				0
Real estate – non-owner occupied			0				0
Real estate – multi-family and residential rental			0				0
Total commercial			987,000				0
Retail:
1-4 family mortgages			1,366,000				0
Other consumer loans			0				0
Total retail			1,366,000				0
Total with no allowance recorded		$	2,353,000			$	0
With an allowance recorded:
Commercial:
Commercial and industrial		$	3,039,000			$	1,233,000
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			3,039,000				1,233,000
Retail:
1-4 family mortgages			497,000				192,000
Other consumer loans			0				0
Total retail			497,000				192,000
Total with an allowance recorded		$	3,536,000			$	1,425,000
Total nonaccrual loans:
Commercial		$	4,026,000			$	1,233,000
Retail			1,863,000				192,000
Total nonaccrual loans		$	5,889,000			$	1,425,000

		Amortized				Related
		Cost				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

Financing Receivable by Origination Year [Table Text Block]

																														Revolving				Grand
		2023				2022				2021				2020				2019				Prior				Term Total				Loans				Total
Commercial:
Commercial and Industrial:
Grades 1 – 4		$	94,356			$	94,042			$	100,652			$	25,063			$	7,012			$	9,411			$	330,536			$	384,697			$	715,233
Grades 5 – 7			112,012				67,379				32,543				19,118				7,629				154				238,835				180,387				419,222
Grades 8 – 9			3,674				2,439				296				0				0				0				6,409				25,323				31,732
Total		$	210,042			$	163,860			$	133,491			$	44,181			$	14,641			$	9,565			$	575,780			$	590,407			$	1,166,187
Current year-to-date gross write offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	218			$	218
Vacant Land, Land Development and Residential Construction:
Grades 1 – 4		$	17,966			$	15,813			$	1,751			$	2,832			$	0			$	287			$	38,649			$	0			$	38,649
Grades 5 – 7			13,749				17,194				2,359				319				43				514				34,178				0				34,178
Grades 8 – 9			10				0				0				0				0				84				94				0				94
Total		$	31,725			$	33,007			$	4,110			$	3,151			$	43			$	885			$	72,921			$	0			$	72,921
Current year-to-date gross write offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Real Estate – Owner Occupied:
Grades 1 – 4		$	165,698			$	117,923			$	82,222			$	49,528			$	17,511			$	16,968			$	449,850			$	456			$	450,306
Grades 5 – 7			62,259				62,487				36,949				29,235				9,614				10,064				210,608				6,332				216,940
Grades 8 – 9			0				3,727				0				40				0				70				3,837				0				3,837
Total		$	227,957			$	184,137			$	119,171			$	78,803			$	27,125			$	27,102			$	664,295			$	6,788			$	671,083
Current year-to-date gross write offs		$	0			$	14			$	0			$	0			$	0			$	40			$	54			$	0			$	54
Real Estate – Non-Owner Occupied:
Grades 1 – 4		$	92,790			$	88,742			$	113,072			$	101,821			$	28,307			$	17,189			$	441,921			$	0			$	441,921
Grades 5 – 7			162,540				126,362				128,389				96,612				6,553				26,013				546,469				0				546,469
Grades 8 – 9			0				6,507				5,514				0				0				0				12,021				0				12,021
Total		$	255,330			$	221,611			$	246,975			$	198,433			$	34,860			$	43,202			$	1,000,411			$	0			$	1,000,411
Current year-to-date gross write offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4		$	20,509			$	42,674			$	61,279			$	35,615			$	4,974			$	5,780			$	170,831			$	0			$	170,831
Grades 5 – 7			52,733				53,171				4,985				9,727				2,783				1,735				125,134				0				125,134
Grades 8 – 9			11,250				0				0				1,014				0				0				12,264				0				12,264
Total		$	84,492			$	95,845			$	66,264			$	46,356			$	7,757			$	7,515			$	308,229			$	0			$	308,229
Current year-to-date gross write offs		$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0			$	0
Total Commercial		$	809,546			$	698,460			$	570,011			$	370,924			$	84,426			$	88,269			$	2,621,636			$	597,195			$	3,218,831
Total Commercial current YTD gross write offs		$	0			$	14			$	0			$	0			$	0			$	40			$	54			$	218			$	272

																														Revolving				Grand
		2023				2022				2021				2020				2019				Prior				Term Total				Loans				Total
Retail:
1-4 Family Mortgages:
Performing		$	104,955			$	334,373			$	235,394			$	83,701			$	10,833			$	46,666			$	815,922			$	36,390			$	852,312
Nonperforming			142				313				333				0				11				1,064				1,863				0				1,863
Total		$	105,097			$	334,686			$	235,727			$	83,701			$	10,844			$	47,730			$	817,785			$	36,390			$	854,175
Current year-to-date gross write offs		$	0			$	136			$	0			$	0			$	0			$	239			$	375			$	138			$	513
Other Consumer Loans:
Performing		$	4,449			$	2,954			$	1,667			$	542			$	658			$	336			$	10,606			$	20,764			$	31,370
Nonperforming			0				0				0				0				0				0				0				0				0
Total		$	4,449			$	2,954			$	1,667			$	542			$	658			$	336			$	10,606			$	20,764			$	31,370
Current year-to-date gross write offs		$	2			$	3			$	0			$	0			$	0			$	3			$	8			$	17			$	25
Total Retail		$	109,546			$	337,640			$	237,394			$	84,243			$	11,502			$	48,066			$	828,391			$	57,154			$	885,545
Total Retail Current YTD gross write offs		$	2			$	139			$	0			$	0			$	0			$	242			$	383			$	155			$	538
Grand Total		$	919,092			$	1,036,100			$	807,405			$	455,167			$	95,928			$	136,335			$	3,450,027			$	654,349			$	4,104,376
Grand Total Current YTD gross write offs		$	2			$	153			$	0			$	0			$	0			$	282			$	437			$	373			$	810

																														Revolving				Grand
		2022				2021				2020				2019				2018				Prior				Term Total				Loans				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		$	121,281			$	152,035			$	89,125			$	44,196			$	10,079			$	12,018			$	428,734			$	0			$	428,734
Grades 5 – 7			176,217				142,645				133,163				35,200				13,456				37,399				538,080				0				538,080
Grades 8 – 9			6,712				5,688				0				0				0				0				12,400				0				12,400
Total		$	304,210			$	300,368			$	222,288			$	79,396			$	23,535			$	49,417			$	979,214			$	0			$	979,214
Real Estate – Multi-Family and Residential Rental:
Grades 1 – 4		$	39,342			$	49,178			$	36,348			$	5,306			$	3,082			$	4,003			$	137,259			$	0			$	137,259
Grades 5 – 7			56,018				47,474				19,666				3,162				2,557				283				129,160				0				129,160
Grades 8 – 9			0				0				0				0				0				49				49				0				49
Total		$	95,360			$	96,652			$	56,014			$	8,468			$	5,639			$	4,335			$	266,468			$	0			$	266,468
Total Commercial		$	1,025,368			$	770,437			$	445,326			$	135,893			$	64,986			$	72,100			$	2,514,110			$	617,720			$	3,131,830

																														Revolving				Grand
		2022				2021				2020				2019				2018				Prior				Term Total				Loans				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			$	1,016,339			$	538,302			$	149,061			$	79,881			$	115,181			$	3,242,234			$	674,385			$	3,916,619

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

						Commercial												Commercial
						vacant land,												real estate –
		Commercial				land development				Commercial				Commercial				multi-family								Other
		and				and residential				real estate –				real estate –				and				1-4 family				consumer
		industrial				reconstruction				owner occupied				non-owner occupied				residential rental				mortgages				loans				Unallocated				Total
Allowance for credit losses:
Balance at 6-30-23		$	6,472			$	304			$	5,838			$	8,689			$	3,700			$	19,498			$	199			$	21			$	44,721
Provision for credit losses			2,500				31				627				564				(1,071	)			726				(56	)			(21	)			3,300
Charge-offs			0				0				(40	)			0				0				(201	)			(2	)			0				(243	)
Recoveries			26				22				9				0				6				161				6				0				230
Ending balance		$	8,998			$	357			$	6,434			$	9,253			$	2,635			$	20,184			$	147			$	0			$	48,008
Balance at 12-31-22		$	10,203			$	490			$	5,914			$	9,242			$	2,191			$	14,027			$	160			$	19			$	42,246
Provision for credit losses			(1,123	)			(167	)			495				11				426				6,317				(40	)			(19	)			5,900
Charge-offs			(218	)			0				(54	)			0				0				(513	)			(25	)			0				(810	)
Recoveries			136				34				79				0				18				353				52				0				672
Ending balance		$	8,998			$	357			$	6,434			$	9,253			$	2,635			$	20,184			$	147			$	0			$	48,008

						Commercial												Commercial
						vacant land,												real estate –
		Commercial				land development				Commercial				Commercial				multi-family								Other
		and				and residential				real estate –				real estate –				and				1-4 family				consumer
		industrial				construction				owner occupied				non-owner occupied				residential rental				mortgages				loans				Unallocated				Total
Allowance for credit losses:
Balance at 6-30-22		$	8,608			$	446			$	5,578			$	9,249			$	1,639			$	10,267			$	165			$	22			$	35,974
Provision for credit losses			1,110				21				372				(206	)			77				1,530				(13	)			9				2,900
Charge-offs			0				0				0				0				0				0				0				0				0
Recoveries			22				1				22				0				23				154				24				0				246
Ending balance		$	9,740			$	468			$	5,972			$	9,043			$	1,739			$	11,951			$	176			$	31			$	39,120
Balance at 12-31-21		$	10,782			$	420			$	6,045			$	12,990			$	2,006			$	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			518				117				407				(1,413	)			317				3,587				(74	)			41				3,500
Charge-offs			(170	)			(29	)			0				0				0				(2	)			(18	)			0				(219	)
Recoveries			181				3				80				0				37				522				53				0				876
Ending balance		$	9,740			$	468			$	5,972			$	9,043			$	1,739			$	11,951			$	176			$	31			$	39,120

Financing Receivable, Modified, Financial Effect [Table Text Block]

		Interest Rate				Principal
		Reduction		Term Extension		Forgiveness
Commercial:
Commercial and industrial		$ 0		$ 0		$ 0
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		$ 0		$ 0		$ 0
Retail:
1-4 family mortgages		0		0		0
Other consumer loans		0		0		0
Total retail		$ 0		$ 0		$ 0
Total loans		$ 0		$ 0		$ 0

		Interest Rate				Principal
		Reduction		Term Extension		Forgiveness
Commercial:
Commercial and industrial		$ 0		$ 8,184,000		$ 0
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		$ 0		$ 8,184,000		$ 0
Retail:
1-4 family mortgages		0		0		0
Other consumer loans		0		0		0
Total retail		$ 0		$ 0		$ 0
Total loans		$ 0		$ 8,184,000		$ 0

Financing Receivable, Modified, Amortized Cost [Table Text Block]

						30 – 89 Days				90 + Days
		Current				Past Due				Past Due				Total
Commercial:
Commercial and industrial		$	8,184,000			$	0			$	0			$	8,184,000
Vacant land, land development and residential construction			0				0				0				0
Real estate – owner occupied			0				0				0				0
Real estate – non-owner occupied			0				0				0				0
Real estate – multi-family and residential rental			0				0				0				0
Total commercial		$	8,184,000			$	0			$	0			$	8,184,000
Retail:
1-4 family mortgages			0				0				0				0
Other consumer loans			0				0				0				0
Total retail		$	0			$	0			$	0			$	0
Total loans		$	8,184,000			$	0			$	0			$	8,184,000

Financing Receivable, Modified [Table Text Block]

						Pre-				Post-
						Modification				Modification
						Recorded				Recorded
		Number of				Principal				Principal
		Contracts				Balance				Balance
Commercial:
Commercial and industrial			1			$	19,000			$	19,000
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			1				19,000				19,000
Retail:
1-4 family mortgages			2				289,000				289,000
Other consumer loans			0				0				0
Total retail			2				289,000				289,000
Total loans			3			$	308,000			$	308,000

						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:
1-4 family mortgages			5				501,000				500,000
Other consumer loans			0				0				0
Total retail			5				501,000				500,000
Total loans			8			$	7,094,000			$	7,093,000

Trouble Debt Restructuring Activity [Table Text Block]

						Commercial
						Vacant Land,												Commercial
						Land												Real Estate -
						Development,				Commercial				Commercial				Multi-Family
		Commercial				and				Real Estate -				Real Estate -				and
		and				Residential				Owner				Non-Owner				Residential
		Industrial				Construction				Occupied				Occupied				Rental
Commercial Loan Portfolio:
Beginning Balance		$	9,938,000			$	0			$	87,000			$	139,000			$	88,000
Charge-Offs			0				0				0				0				0
Payments (net)			(891,000	)			0				(3,000	)			(4,000	)			(88,000	)
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			19,000				0				0				0				0
Ending Balance		$	9,066,000			$	0			$	84,000			$	135,000			$	0

		Retail				Retail
		1-4 Family				Other Consumer
		Mortgages				Loans
Retail Loan Portfolio:
Beginning Balance		$	2,339,000			$	3,000
Charge-Offs			0				0
Payments (net)			(84,000	)			(1,000	)
Transfers to ORE			0				0
Net Additions/Deletions			289,000				0
Ending Balance		$	2,544,000			$	2,000

						Commercial
						Vacant Land,												Commercial
						Land												Real Estate -
						Development,				Commercial				Commercial				Multi-Family
		Commercial				and				Real Estate -				Real Estate -				and
		and				Residential				Owner				Non-Owner				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				0				0				0
Payments (net)			(378,000	)			0				(9,682,000	)			(11,000	)			(91,000	)
Transfers to ORE			0				0				0				0				0
Net Additions/Deletions			4,566,000				0				(669,000	)			0				0
Ending Balance		$	9,066,000			$	0			$	84,000			$	135,000			$	0

		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)			(253,000	)			(13,000	)
Transfers to ORE			0				0
Net Additions/Deletions (1)			2,170,000				(1,187,000	)
Ending Balance		$	2,544,000			$	2,000

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