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Note 5 - Allowance for Credit Losses

3 Months Ended

Mar. 31, 2022

Note 5. Allowance for Credit Losses

The following tables present the changes in the allowance for credit losses, by loan segment, during the periods indicated:

	*Three Months Ended March 31, 2022*
				*Consumer Real*			*Consumer and*			*Total*
(Amounts in thousands)	*Commercial*			*Estate*			*Other*			*Allowance*
Total allowance
Beginning balance	$	14,775		$	9,972		$	3,111		$	27,858
Provision for (recovery of) loan losses charged to operations		1,108			(241	)		1,094			1,961
Charge-offs		(257	)		(6	)		(1,039	)		(1,302	)
Recoveries		270			39			155			464
Net charge-offs		13			33			(884	)		(838	)
Ending balance	$	15,896		$	9,764		$	3,321		$	28,981

	*Three Months Ended March 31, 2021*
				*Consumer Real*			*Consumer and*			*Total*
(Amounts in thousands)	*Commercial*			*Estate*			*Other*			*Allowance*
Total allowance
Beginning balance	$	14,661		$	8,951		$	2,570		$	26,182
Cumulative effect of adoption of ASU 2016-13		8,360			4,145			602			13,107
(Recovery of) provision for credit losses charged to operations		(3,070	)		(1,542	)		611			(4,001	)
Charge-offs		(757	)		(10	)		(963	)		(1,730	)
Recoveries		392			343			270			1,005
Net charge-offs		(365	)		333			(693	)		(725	)
Ending balance	$	19,586		$	11,887		$	3,090		$	34,563