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Note 6 - Allowance for Credit Losses

9 Months Ended

Sep. 30, 2022

Note 6. 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 September 30, 2022*
				*Consumer Real*			*Consumer and*			*Total*
(Amounts in thousands)	*Commercial*			*Estate*			*Other*			*Allowance*
Total allowance
Beginning balance	$	16,119		$	10,049		$	3,581		$	29,749
(Recovery of) provision for credit losses charged to operations		(444	)		(1,391	)		2,520			685
Charge-offs		(89	)		(182	)		(1,887	)		(2,158	)
Recoveries		872			77			163			1,112
Net recoveries (charge-offs)		783			(105	)		(1,724	)		(1,046	)
Ending balance	$	16,458		$	8,553		$	4,377		$	29,388

	*Three Months Ended September 30, 2021*
				*Consumer Real*			*Consumer and*			*Total*
(Amounts in thousands)	*Commercial*			*Estate*			*Other*			*Allowance*
Total allowance
Beginning balance	$	17,704		$	11,055		$	3,098		$	31,857
(Recovery of) provision for credit losses charged to operations		(1,504	)		(317	)		427			(1,394	)
Charge-offs		(407	)		(195	)		(653	)		(1,255	)
Recoveries		285			179			205			669
Net (charge-offs) recoveries		(122	)		(16	)		(448	)		(586	)
Ending balance	$	16,078		$	10,722		$	3,077		$	29,877

	*Nine Months Ended September 30, 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
(Recovery of) provision for credit losses charged to operations		(144	)		(1,584	)		4,884			3,156
Charge-offs		(497	)		(276	)		(4,156	)		(4,929	)
Recoveries		2,324			441			538			3,303
Net recoveries (charge-offs)		1,827			165			(3,618	)		(1,626	)
Ending balance	$	16,458		$	8,553		$	4,377		$	29,388

	*Nine Months Ended September 30, 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		(6,286	)		(2,845	)		1,506			(7,625	)
Charge-offs		(2,366	)		(253	)		(2,268	)		(4,887	)
Recoveries		1,709			724			667			3,100
Net (charge-offs) recoveries		(657	)		471			(1,601	)		(1,787	)
Ending balance	$	16,078		$	10,722		$	3,077		$	29,877