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Note 6 - Allowance for Credit Losses

3 Months Ended

Mar. 31, 2023

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 March 31, 2023*
				*Consumer Real*			*Consumer and*			*Total*
(Amounts in thousands)	*Commercial*			*Estate*			*Other*			*Allowance*
Total allowance
Balance at beginning of year:
Allowance for credit losses - loans	$	17,213		$	8,931		$	4,412		$	30,556
Allowance for credit losses - loan commitments		1,018			156			22			1,196
Total allowance for credit losses beginning of year		18,231			9,087			4,434			31,752
Provision for credit losses:
Provision for credit losses - loans		37			103			1,834			1,974
(Recovery of) provision for credit losses - loan commitments		(232	)		(6	)		6			(232	)
Total provision for credit losses - loans and loan commitments		(195	)		97			1,840			1,742
Charge-offs		(173	)		(98	)		(2,299	)		(2,570	)
Recoveries		192			59			578			829
Net recoveries (charge-offs)		19			(39	)		(1,721	)		(1,741	)
Allowance for credit losses - loans		17,269			8,995			4,525			30,789
Allowance for credit losses - loan commitments		786			150			28			964
Ending balance	$	18,055		$	9,145		$	4,553		$	31,753

	*Three Months Ended March 31, 2022*
				*Consumer Real*			*Consumer and*			*Total*
(Amounts in thousands)	*Commercial*			*Estate*			*Other*			*Allowance*
Total allowance
Balance at beginning of year:
Allowance for credit losses - loans	$	14,775		$	9,972		$	3,111		$	27,858
Allowance for credit losses - loan commitments		576			88			14			678
Total allowance for credit losses beginning of year		15,351			10,060			3,125			28,536
Provision for credit losses:
Provision for credit losses - loans		1,108			(241	)		1,094			1,961
(Recovery of) provision for credit losses - loan commitments		87			6			5			98
Total provision for credit losses - loans and loan commitments		1,195			(235	)		1,099			2,059
Charge-offs		(257	)		(6	)		(1,039	)		(1,302	)
Recoveries		270			39			155			464
Net (charge-offs) recoveries		13			33			(884	)		(838	)
Allowance for credit losses - loans		15,896			9,764			3,321			28,981
Allowance for credit losses - loan commitments		663			94			19			776
Ending balance	$	16,559		$	9,858		$	3,340		$	29,757