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Note 6 - Allowance for Credit Losses | 12 Months Ended
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Dec. 31, 2024
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.
|  | Year Ended December 31, 2024 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans |  | $ | 21,850 |  |  | $ | 9,693 |  |  | $ | 4,646 |  |  | $ | 36,189 |
Allowance for credit losses - loan commitments |  |  | 597 |  |  |  | 121 |  |  |  | 28 |  |  |  | 746 |
Total allowance for credit losses beginning of year |  |  | 22,447 |  |  |  | 9,814 |  |  |  | 4,674 |  |  |  | 36,935 |
Provision for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Recovery of) provision for credit losses - loans |  |  | (1,227 | ) |  |  | 175 |  |  |  | 5,054 |  |  |  | 4,002 |
(Recovery of) provision for credit losses - loan commitments |  |  | (426 | ) |  |  | 17 |  |  |  | 4 |  |  |  | (405 | )
Total provision for credit losses - loans and loan commitments |  |  | (1,653 | ) |  |  | 192 |  |  |  | 5,058 |  |  |  | 3,597 |
Charge-offs |  |  | (822 | ) |  |  | (336 | ) |  |  | (6,693 | ) |  |  | (7,851 | )
Recoveries |  |  | 617 |  |  |  | 375 |  |  |  | 1,493 |  |  |  | 2,485 |
Net (charge-offs) recoveries |  |  | (205 | ) |  |  | 39 |  |  |  | (5,200 | ) |  |  | (5,366 | )
Allowance for credit losses - loans |  |  | 20,418 |  |  |  | 9,907 |  |  |  | 4,500 |  |  |  | 34,825 |
Allowance for credit losses - loan commitments |  |  | 171 |  |  |  | 138 |  |  |  | 32 |  |  |  | 341 |
Ending balance |  | $ | 20,589 |  |  | $ | 10,045 |  |  | $ | 4,532 |  |  | $ | 35,166 |
|  | Year Ended December 31, 2023 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total 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 (recovery of) credit losses - loans |  |  | 2,217 |  |  |  | 125 |  |  |  | 6,093 |  |  |  | 8,435 |
(Recovery of) provision for credit losses - loan commitments |  |  | (421 | ) |  |  | (35 | ) |  |  | 6 |  |  |  | (450 | )
Total provision for credit losses - loans and loan commitments |  |  | 1,796 |  |  |  | 90 |  |  |  | 6,099 |  |  |  | 7,985 |
Charge-offs |  |  | (753 | ) |  |  | (412 | ) |  |  | (7,660 | ) |  |  | (8,825 | )
Recoveries |  |  | 1,721 |  |  |  | 520 |  |  |  | 1,771 |  |  |  | 4,012 |
Net (charge-offs) recoveries |  |  | 968 |  |  |  | 108 |  |  |  | (5,889 | ) |  |  | (4,813 | )
Allowance for credit losses - loans |  |  | 21,850 |  |  |  | 9,693 |  |  |  | 4,646 |  |  |  | 36,189 |
Allowance for credit losses - loan commitments |  |  | 597 |  |  |  | 121 |  |  |  | 28 |  |  |  | 746 |
Ending balance |  | $ | 22,447 |  |  | $ | 9,814 |  |  | $ | 4,674 |  |  | $ | 36,935 |

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