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Note 6 - Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 12 Months Ended |
--- | --- | ---
Dec. 31, 2023 | Dec. 31, 2022 | Jan. 01, 2021
Balance, Loans | $ 30,556 | [1] | $ 27,858 |  |  |
Balance, Allowance for credit losses - loan commitments | 1,196 |  | 678 |  |  |
Total allowance for credit losses beginning of year | 31,752 |  | 28,536 |  |  |
Purchased credit deteriorated -Surrey acquisition | 36,189 |  | 30,556 | [1] | $ 26,182 | [2]
Provision for (recovery of) credit losses - loans | 8,435 |  | 6,572 |  |  |
Provision for (recovery of) credit losses - loan commitments | (450) |  | 518 |  |  |
Total provision for credit losses - loans and loan commitments | 7,985 |  | 7,090 |  |  |
Charge-offs | (8,825) |  | (7,803) |  |  |
Recoveries | 4,012 |  | 3,929 |  |  |
Net (charge-offs) recoveries | (4,813) |  | (3,874) |  |  |
Balance, Allowance for credit losses - loans | 36,189 |  | 30,556 | [1] |  |
Balance, Allowance for credit losses - loan commitments | 746 |  | 1,196 |  |  |
Ending balance | 36,935 |  | 31,752 |  |  |
Provision for (recovery of) credit losses - loan commitments | (450) |  | 518 |  |  |
Financial Asset Acquired with Credit Deterioration [Member] |  |  |  |  |  |
Purchased credit deteriorated -Surrey acquisition |  |  |  |  | $ 5,880 |
Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |
Purchased credit deteriorated -Surrey acquisition | 2,011 |  |  |  |  |
Balance, Allowance for credit losses - loans | 2,011 |  |  |  |  |
Commercial Portfolio Segment [Member] |  |  |  |  |  |
Balance, Loans | 17,213 |  | 14,775 |  |  |
Balance, Allowance for credit losses - loan commitments | 1,018 |  | 576 |  |  |
Total allowance for credit losses beginning of year | 18,231 |  | 15,351 |  |  |
Purchased credit deteriorated -Surrey acquisition | 21,850 |  | 17,213 |  |  |
Provision for (recovery of) credit losses - loans | 2,217 |  | 431 |  |  |
Provision for (recovery of) credit losses - loan commitments | (421) |  | 442 |  |  |
Total provision for credit losses - loans and loan commitments | 1,796 |  | 873 |  |  |
Charge-offs | (753) |  | (633) |  |  |
Recoveries | 1,721 |  | 2,640 |  |  |
Net (charge-offs) recoveries | 968 |  | 2,007 |  |  |
Balance, Allowance for credit losses - loans | 21,850 |  | 17,213 |  |  |
Balance, Allowance for credit losses - loan commitments | 597 |  | 1,018 |  |  |
Ending balance | 22,447 |  | 18,231 |  |  |
Provision for (recovery of) credit losses - loan commitments | (421) |  | 442 |  |  |
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |
Purchased credit deteriorated -Surrey acquisition | 1,452 |  |  |  |  |
Balance, Allowance for credit losses - loans | 1,452 |  |  |  |  |
Consumer Real Estate Portfolio Segment [Member] |  |  |  |  |  |
Balance, Loans | 8,931 |  | 9,972 |  |  |
Balance, Allowance for credit losses - loan commitments | 156 |  | 88 |  |  |
Total allowance for credit losses beginning of year | 9,087 |  | 10,060 |  |  |
Purchased credit deteriorated -Surrey acquisition | 9,693 |  | 8,931 |  |  |
Provision for (recovery of) credit losses - loans | 125 |  | (1,121) |  |  |
Provision for (recovery of) credit losses - loan commitments | (35) |  | 68 |  |  |
Total provision for credit losses - loans and loan commitments | 90 |  | (1,053) |  |  |
Charge-offs | (412) |  | (427) |  |  |
Recoveries | 520 |  | 507 |  |  |
Net (charge-offs) recoveries | 108 |  | 80 |  |  |
Balance, Allowance for credit losses - loans | 9,693 |  | 8,931 |  |  |
Balance, Allowance for credit losses - loan commitments | 121 |  | 156 |  |  |
Ending balance | 9,814 |  | 9,087 |  |  |
Provision for (recovery of) credit losses - loan commitments | (35) |  | 68 |  |  |
Consumer Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |
Purchased credit deteriorated -Surrey acquisition | 529 |  |  |  |  |
Balance, Allowance for credit losses - loans | 529 |  |  |  |  |
Consumer and Other Portfolio Segment [Member] |  |  |  |  |  |
Balance, Loans | 4,412 |  | 3,111 |  |  |
Balance, Allowance for credit losses - loan commitments | 22 |  | 14 |  |  |
Total allowance for credit losses beginning of year | 4,434 |  | 3,125 |  |  |
Purchased credit deteriorated -Surrey acquisition | 4,646 |  | 4,412 |  |  |
Provision for (recovery of) credit losses - loans | 6,093 |  | 7,262 |  |  |
Provision for (recovery of) credit losses - loan commitments | 6 |  | 8 |  |  |
Total provision for credit losses - loans and loan commitments | 6,099 |  | 7,270 |  |  |
Charge-offs | (7,660) |  | (6,743) |  |  |
Recoveries | 1,771 |  | 782 |  |  |
Net (charge-offs) recoveries | (5,889) |  | (5,961) |  |  |
Balance, Allowance for credit losses - loans | 4,646 |  | 4,412 |  |  |
Balance, Allowance for credit losses - loan commitments | 28 |  | 22 |  |  |
Ending balance | 4,674 |  | 4,434 |  |  |
Provision for (recovery of) credit losses - loan commitments | 6 |  | $ 8 |  |  |
Consumer and Other Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |
Purchased credit deteriorated -Surrey acquisition | 30 |  |  |  |  |
Balance, Allowance for credit losses - loans | $ 30 |  |  |  |  |
[1] | Derived from audited financial statements
[2] | Calculated adjustment to the ACL related to the adoption of ASU 2016-13. Includes additional reserve related to purchased deteriorated loans of $5.88 million.

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