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Note 6 - Allowance for Credit Losses | 6 Months Ended
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Jun. 30, 2023
Notes to Financial Statements |
Allowance for Credit Losses [Text Block] | 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 June 30, 2023 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of quarter: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 17,269 |  |  | $ | 8,995 |  |  | $ | 4,525 |  |  | $ | 30,789 |
Allowance for credit losses - loan commitments |  |  | 786 |  |  |  | 150 |  |  |  | 28 |  |  |  | 964 |
Total allowance for credit losses beginning of year |  |  | 18,055 |  |  |  | 9,145 |  |  |  | 4,553 |  |  |  | 31,753 |
Purchased credit deteriorated -Surrey acquisition |  |  | 1,452 |  |  |  | 529 |  |  |  | 30 |  |  |  | 2,011 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for credit losses - loans |  |  | 2,349 |  |  |  | 380 |  |  |  | 1,376 |  |  |  | 4,105 |
Provision for credit losses - loan commitments |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total provision for credit losses - loans and loan commitments |  |  | 2,349 |  |  |  | 380 |  |  |  | 1,376 |  |  |  | 4,105 |
Charge-offs |  |  | (133 | ) |  |  | (225 | ) |  |  | (1,635 | ) |  |  | (1,993 | )
Recoveries |  |  | 578 |  |  |  | 277 |  |  |  | 410 |  |  |  | 1,265 |
Net recoveries (charge-offs) |  |  | 445 |  |  |  | 52 |  |  |  | (1,225 | ) |  |  | (728 | )
Allowance for credit losses - loans |  |  | 21,515 |  |  |  | 9,956 |  |  |  | 4,706 |  |  |  | 36,177 |
Allowance for credit losses - loan commitments |  |  | 786 |  |  |  | 150 |  |  |  | 28 |  |  |  | 964 |
Ending balance |  | $ | 22,301 |  |  | $ | 10,106 |  |  | $ | 4,734 |  |  | $ | 37,141 |
|  | Three Months Ended June 30, 2022 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of quarter: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 15,896 |  |  | $ | 9,764 |  |  | $ | 3,321 |  |  | $ | 28,981 |
Allowance for credit losses - loan commitments |  |  | 663 |  |  |  | 94 |  |  |  | 19 |  |  |  | 776 |
Total allowance for credit losses beginning of year |  |  | 16,559 |  |  |  | 9,858 |  |  |  | 3,340 |  |  |  | 29,757 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for credit losses - loans |  |  | (808 | ) |  |  | 48 |  |  |  | 1,270 |  |  |  | 510 |
Provision (recovery of) for credit losses - loan commitments |  |  | 191 |  |  |  | (6 | ) |  |  | (5 | ) |  |  | 180 |
Total provision for credit losses - loans and loan commitments |  |  | (617 | ) |  |  | 42 |  |  |  | 1,265 |  |  |  | 690 |
Charge-offs |  |  | (151 | ) |  |  | (88 | ) |  |  | (1,230 | ) |  |  | (1,469 | )
Recoveries |  |  | 1,182 |  |  |  | 325 |  |  |  | 220 |  |  |  | 1,727 |
Net recoveries (charge-offs) |  |  | 1,031 |  |  |  | 237 |  |  |  | (1,010 | ) |  |  | 258 |
Allowance for credit losses - loans |  |  | 16,119 |  |  |  | 10,049 |  |  |  | 3,581 |  |  |  | 29,749 |
Allowance for credit losses - loan commitments |  |  | 854 |  |  |  | 88 |  |  |  | 14 |  |  |  | 956 |
Ending balance |  | $ | 16,973 |  |  | $ | 10,137 |  |  | $ | 3,595 |  |  | $ | 30,705 |
|  | Six Months Ended June 30, 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 |
Purchased credit deteriorated -Surrey acquisition |  |  | 1,452 |  |  |  | 529 |  |  |  | 30 |  |  |  | 2,011 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Provision for credit losses - loans |  |  | 2,386 |  |  |  | 483 |  |  |  | 3,210 |  |  |  | 6,079 |
(Recovery of) provision for credit losses - loan commitments |  |  | (232 | ) |  |  | (6 | ) |  |  | 6 |  |  |  | (232 | )
Total provision for credit losses - loans and loan commitments |  |  | 2,154 |  |  |  | 477 |  |  |  | 3,216 |  |  |  | 5,847 |
Charge-offs |  |  | (306 | ) |  |  | (323 | ) |  |  | (3,934 | ) |  |  | (4,563 | )
Recoveries |  |  | 770 |  |  |  | 336 |  |  |  | 988 |  |  |  | 2,094 |
Net recoveries (charge-offs) |  |  | 464 |  |  |  | 13 |  |  |  | (2,946 | ) |  |  | (2,469 | )
Allowance for credit losses - loans |  |  | 21,515 |  |  |  | 9,956 |  |  |  | 4,706 |  |  |  | 36,177 |
Allowance for credit losses - loan commitments |  |  | 786 |  |  |  | 150 |  |  |  | 28 |  |  |  | 964 |
Ending balance |  | $ | 22,301 |  |  | $ | 10,106 |  |  | $ | 4,734 |  |  | $ | 37,141 |
|  | Six Months Ended June 30, 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 |  |  | 300 |  |  |  | (193 | ) |  |  | 2,364 |  |  |  | 2,471 |
(Recovery of) provision for credit losses - loan commitments |  |  | 278 |  |  |  | - |  |  |  | - |  |  |  | 278 |
Total provision for credit losses - loans and loan commitments |  |  | 578 |  |  |  | (193 | ) |  |  | 2,364 |  |  |  | 2,749 |
Charge-offs |  |  | (408 | ) |  |  | (94 | ) |  |  | (2,269 | ) |  |  | (2,771 | )
Recoveries |  |  | 1,452 |  |  |  | 364 |  |  |  | 375 |  |  |  | 2,191 |
Net recoveries (charge-offs) |  |  | 1,044 |  |  |  | 270 |  |  |  | (1,894 | ) |  |  | (580 | )
Allowance for credit losses - loans |  |  | 16,119 |  |  |  | 10,049 |  |  |  | 3,581 |  |  |  | 29,749 |
Allowance for credit losses - loan commitments |  |  | 854 |  |  |  | 88 |  |  |  | 14 |  |  |  | 956 |
Ending balance |  | $ | 16,973 |  |  | $ | 10,137 |  |  | $ | 3,595 |  |  | $ | 30,705 |

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