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Note 6 - Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2023 | Sep. 30, 2022 | Sep. 30, 2023 | Sep. 30, 2022
Balance, Loans | $ 36,177 | $ 29,749 | $ 30,556 | [1] | $ 27,858
Balance, Allowance for credit losses - loan commitments | 964 | 956 | 1,196 |  | 678
Total allowance for credit losses beginning of year | 37,141 | 30,705 | 31,752 |  | 28,536
Provision (recovery) for credit losses - loans | 1,315 | 685 | 7,394 |  | 3,156
Recovery of credit losses - loan commitments | (206) | 459 | (438) |  | 737
Total (recovery) provision for credit losses - loans and loan commitments | 1,109 | 1,144 | 6,956 |  | 3,893
Charge-offs | (2,157) | (2,158) | (6,720) |  | (4,929)
Recoveries | 696 | 1,112 | 2,790 |  | 3,303
Net (charge-offs) recoveries | (1,461) | (1,046) | (3,930) |  | (1,626)
Balance, Allowance for credit losses - loans | 36,031 | 29,388 | 36,031 |  | 29,388
Balance, Allowance for credit losses - loan commitments | 758 | 1,415 | 758 |  | 1,415
Ending balance | 36,789 | 30,803 | 36,789 |  | 30,803
Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans |  |  | 2,011 |  |
Commercial Portfolio Segment [Member] |  |  |  |  |
Balance, Loans | 21,515 | 16,119 | 17,213 |  | 14,775
Balance, Allowance for credit losses - loan commitments | 786 | 854 | 1,018 |  | 576
Total allowance for credit losses beginning of year | 22,301 | 16,973 | 18,231 |  | 15,351
Provision (recovery) for credit losses - loans | 39 | (444) | 2,425 |  | (144)
Recovery of credit losses - loan commitments | (194) | 391 | (426) |  | 669
Total (recovery) provision for credit losses - loans and loan commitments | (155) | (53) | 1,999 |  | 525
Charge-offs | (245) | (89) | (551) |  | (497)
Recoveries | 227 | 872 | 997 |  | 2,324
Net (charge-offs) recoveries | (18) | 783 | 446 |  | 1,827
Balance, Allowance for credit losses - loans | 21,536 | 16,458 | 21,536 |  | 16,458
Balance, Allowance for credit losses - loan commitments | 592 | 1,245 | 592 |  | 1,245
Ending balance | 22,128 | 17,703 | 22,128 |  | 17,703
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans |  |  | 1,452 |  |
Consumer Real Estate Portfolio Segment [Member] |  |  |  |  |
Balance, Loans | 9,956 | 10,049 | 8,931 |  | 9,972
Balance, Allowance for credit losses - loan commitments | 150 | 88 | 156 |  | 88
Total allowance for credit losses beginning of year | 10,106 | 10,137 | 9,087 |  | 10,060
Provision (recovery) for credit losses - loans | (207) | (1,391) | 276 |  | (1,584)
Recovery of credit losses - loan commitments | (9) | 63 | (15) |  | 63
Total (recovery) provision for credit losses - loans and loan commitments | (216) | (1,328) | 261 |  | (1,521)
Charge-offs | (73) | (182) | (396) |  | (276)
Recoveries | 82 | 77 | 418 |  | 441
Net (charge-offs) recoveries | 9 | (105) | 22 |  | 165
Balance, Allowance for credit losses - loans | 9,758 | 8,553 | 9,758 |  | 8,553
Balance, Allowance for credit losses - loan commitments | 141 | 151 | 141 |  | 151
Ending balance | 9,899 | 8,704 | 9,899 |  | 8,704
Consumer Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans |  |  | 529 |  |
Consumer and Other Portfolio Segment [Member] |  |  |  |  |
Balance, Loans | 4,706 | 3,581 | 4,412 |  | 3,111
Balance, Allowance for credit losses - loan commitments | 28 | 14 | 22 |  | 14
Total allowance for credit losses beginning of year | 4,734 | 3,595 | 4,434 |  | 3,125
Provision (recovery) for credit losses - loans | 1,483 | 2,520 | 4,693 |  | 4,884
Recovery of credit losses - loan commitments | (3) | 5 | 3 |  | 5
Total (recovery) provision for credit losses - loans and loan commitments | 1,480 | 2,525 | 4,696 |  | 4,889
Charge-offs | (1,839) | (1,887) | (5,773) |  | (4,156)
Recoveries | 387 | 163 | 1,375 |  | 538
Net (charge-offs) recoveries | (1,452) | (1,724) | (4,398) |  | (3,618)
Balance, Allowance for credit losses - loans | 4,737 | 4,377 | 4,737 |  | 4,377
Balance, Allowance for credit losses - loan commitments | 25 | 19 | 25 |  | 19
Ending balance | $ 4,762 | $ 4,396 | 4,762 |  | $ 4,396
Consumer and Other Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |
Balance, Loans |  |  | $ 30 |  |
[1] | Derived from audited financial statements

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