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Note 6 - Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2023

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		*Three Months Ended September 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		$	21,515			$	9,956			$	4,706			$	36,177
Allowance for credit losses - loan commitments			786				150				28				964
Total allowance for credit losses beginning of year			22,301				10,106				4,734				37,141
Provision for credit losses:
Provision (recovery) for credit losses - loans			39				(207	)			1,483				1,315
Recovery of credit losses - loan commitments			(194	)			(9	)			(3	)			(206	)
Total (recovery) provision for credit losses - loans and loan commitments			(155	)			(216	)			1,480				1,109
Charge-offs			(245	)			(73	)			(1,839	)			(2,157	)
Recoveries			227				82				387				696
Net (charge-offs) recoveries			(18	)			9				(1,452	)			(1,461	)
Allowance for credit losses - loans			21,536				9,758				4,737				36,031
Allowance for credit losses - loan commitments			592				141				25				758
Ending balance		$	22,128			$	9,899			$	4,762			$	36,789

		*Three Months Ended September 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		$	16,119			$	10,049			$	3,581			$	29,749
Allowance for credit losses - loan commitments			854				88				14				956
Total allowance for credit losses beginning of year			16,973				10,137				3,595				30,705
Provision for credit losses:
(Recovery) provision for credit losses - loans			(444	)			(1,391	)			2,520				685
Provision for credit losses - loan commitments			391				63				5				459
Total (recovery) provision for credit losses - loans and loan commitments			(53	)			(1,328	)			2,525				1,144
Charge-offs			(89	)			(182	)			(1,887	)			(2,158	)
Recoveries			872				77				163				1,112
Net recoveries (charge-offs)			783				(105	)			(1,724	)			(1,046	)
Allowance for credit losses - loans			16,458				8,553				4,377				29,388
Allowance for credit losses - loan commitments			1,245				151				19				1,415
Ending balance		$	17,703			$	8,704			$	4,396			$	30,803

		*Nine Months Ended September 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			2,425				276				4,693				7,394
(Recovery of) provision for credit losses - loan commitments			(426	)			(15	)			3				(438	)
Total provision for credit losses - loans and loan commitments			1,999				261				4,696				6,956
Charge-offs			(551	)			(396	)			(5,773	)			(6,720	)
Recoveries			997				418				1,375				2,790
Net recoveries (charge-offs)			446				22				(4,398	)			(3,930	)
Allowance for credit losses - loans			21,536				9,758				4,737				36,031
Allowance for credit losses - loan commitments			592				141				25				758
Ending balance		$	22,128			$	9,899			$	4,762			$	36,789

		*Nine Months Ended September 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:
(Recovery) provision for credit losses - loans			(144	)			(1,584	)			4,884				3,156
Provision for credit losses - loan commitments			669				63				5				737
Total provision for credit losses - loans and loan commitments			525				(1,521	)			4,889				3,893
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	)
Allowance for credit losses - loans			16,458				8,553				4,377				29,388
Allowance for credit losses - loan commitments			1,245				151				19				1,415
Ending balance		$	17,703			$	8,704			$	4,396			$	30,803