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Note 6 - Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2024 | Jun. 30, 2023 | Jun. 30, 2024 | Jun. 30, 2023 | Dec. 31, 2023
Balance, Loans | $ 35,461 | $ 30,789 | $ 36,189 | [1] | $ 30,556 | $ 30,556 |
Balance, Allowance for credit losses - loan commitments | 746 | 964 | 746 |  | 1,196 | 1,196 |
Total allowance for credit losses beginning of year | 36,207 | 31,753 | 36,935 |  | 31,752 | 31,752 |
Provision (recovery) for credit losses - loans | 449 | 4,105 | 1,460 |  | 6,079 |  |
Provision for credit losses - loan commitments | (305) | 0 | (305) |  | (232) |  |
Total (recovery) provision for credit losses - loans and loan commitments | 144 | 4,105 | 1,155 |  | 5,847 |  |
Charge-offs | (1,599) | (1,993) | (4,047) |  | (4,563) | (8,825) |
Recoveries | 574 | 1,265 | 1,283 |  | 2,094 |  |
Net charge-offs | (1,025) | (728) | (2,764) |  | (2,469) |  |
Balance, Allowance for credit losses - loans | 34,885 | 36,177 | 34,885 |  | 36,177 | 36,189 | [1]
Balance, Allowance for credit losses - loan commitments | 441 | 964 | 441 |  | 964 | 746 |
Ending balance | 35,326 | 37,141 | 35,326 |  | 37,141 | 36,935 |
(Recovery) provision for credit losses - loan commitments | (305) | 0 | (305) |  | (232) |  |
Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |  |
Balance, Loans |  | 2,011 | 0 |  | 2,011 | 2,011 |
Balance, Allowance for credit losses - loans |  |  |  |  |  | 0 |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |
Balance, Loans | 21,052 | 17,269 | 21,850 |  | 17,213 | 17,213 |
Balance, Allowance for credit losses - loan commitments | 597 | 786 | 597 |  | 1,018 | 1,018 |
Total allowance for credit losses beginning of year | 21,649 | 18,055 | 22,447 |  | 18,231 | 18,231 |
Provision (recovery) for credit losses - loans | (634) | 2,349 | (1,186) |  | 2,386 |  |
Provision for credit losses - loan commitments | (308) | 0 | (308) |  | (232) |  |
Total (recovery) provision for credit losses - loans and loan commitments | (942) | 2,349 | (1,494) |  | 2,154 |  |
Charge-offs | (194) | (133) | (556) |  | (306) |  |
Recoveries | 128 | 578 | 244 |  | 770 |  |
Net charge-offs | (66) | 445 | (312) |  | 464 |  |
Balance, Allowance for credit losses - loans | 20,352 | 21,515 | 20,352 |  | 21,515 | 21,850 |
Balance, Allowance for credit losses - loan commitments | 289 | 786 | 289 |  | 786 | 597 |
Ending balance | 20,641 | 22,301 | 20,641 |  | 22,301 | 22,447 |
(Recovery) provision for credit losses - loan commitments | (308) | 0 | (308) |  | (232) |  |
Commercial Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |  |
Balance, Loans |  | 1,452 | 0 |  | 1,452 | 1,452 |
Balance, Allowance for credit losses - loans |  |  |  |  |  | 0 |
Consumer Real Estate Portfolio Segment [Member] |  |  |  |  |  |  |
Balance, Loans | 9,701 | 8,995 | 9,693 |  | 8,931 | 8,931 |
Balance, Allowance for credit losses - loan commitments | 121 | 150 | 121 |  | 156 | 156 |
Total allowance for credit losses beginning of year | 9,822 | 9,145 | 9,814 |  | 9,087 | 9,087 |
Provision (recovery) for credit losses - loans | 193 | 380 | 58 |  | 483 |  |
Provision for credit losses - loan commitments | (3) | 0 | (3) |  | (6) |  |
Total (recovery) provision for credit losses - loans and loan commitments | 190 | 380 | 55 |  | 477 |  |
Charge-offs | (63) | (225) | (129) |  | (323) |  |
Recoveries | 48 | 277 | 257 |  | 336 |  |
Net charge-offs | (15) | 52 | 128 |  | 13 |  |
Balance, Allowance for credit losses - loans | 9,879 | 9,956 | 9,879 |  | 9,956 | 9,693 |
Balance, Allowance for credit losses - loan commitments | 118 | 150 | 118 |  | 150 | 121 |
Ending balance | 9,997 | 10,106 | 9,997 |  | 10,106 | 9,814 |
(Recovery) provision for credit losses - loan commitments | (3) | 0 | (3) |  | (6) |  |
Consumer Real Estate Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |  |
Balance, Loans |  | 529 | 0 |  | 529 | 529 |
Balance, Allowance for credit losses - loans |  |  |  |  |  | 0 |
Consumer and Other Portfolio Segment [Member] |  |  |  |  |  |  |
Balance, Loans | 4,708 | 4,525 | 4,646 |  | 4,412 | 4,412 |
Balance, Allowance for credit losses - loan commitments | 28 | 28 | 28 |  | 22 | 22 |
Total allowance for credit losses beginning of year | 4,736 | 4,553 | 4,674 |  | 4,434 | 4,434 |
Provision (recovery) for credit losses - loans | 890 | 1,376 | 2,588 |  | 3,210 |  |
Provision for credit losses - loan commitments | 6 | 0 | 6 |  | 6 |  |
Total (recovery) provision for credit losses - loans and loan commitments | 896 | 1,376 | 2,594 |  | 3,216 |  |
Charge-offs | (1,342) | (1,635) | (3,362) |  | (3,934) | (7,660) |
Recoveries | 398 | 410 | 782 |  | 988 |  |
Net charge-offs | (944) | (1,225) | (2,580) |  | (2,946) |  |
Balance, Allowance for credit losses - loans | 4,654 | 4,706 | 4,654 |  | 4,706 | 4,646 |
Balance, Allowance for credit losses - loan commitments | 34 | 28 | 34 |  | 28 | 28 |
Ending balance | 4,688 | 4,734 | 4,688 |  | 4,734 | 4,674 |
(Recovery) provision for credit losses - loan commitments | $ 6 | 0 | 6 |  | 6 |  |
Consumer and Other Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member] |  |  |  |  |  |  |
Balance, Loans |  | $ 30 | $ 0 |  | $ 30 | 30 |
Balance, Allowance for credit losses - loans |  |  |  |  |  | $ 0 |
[1] | Derived from audited financial statements

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