XML 90 R72.htm IDEA: XBRL DOCUMENT v3.25.0.1
Note 6 - Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Balance, Loans $ 36,189 $ 30,556
Balance, Allowance for credit losses - loan commitments 746 1,196
Total allowance for credit losses beginning of year 36,935 31,752
(Recovery of) provision for credit losses - loans 4,002 8,435
(Recovery of) provision for credit losses - loan commitments (405) (450)
Total provision for credit losses - loans and loan commitments 3,597 7,985
Charge-offs (7,851) (8,825)
Recoveries 2,485 4,012
Net (charge-offs) recoveries (5,366) (4,813)
Balance, Allowance for credit losses - loans 34,825 36,189
Balance, Allowance for credit losses - loan commitments 341 746
Ending balance 35,166 36,935
(Recovery of) provision for credit losses - loan commitments (405) (450)
Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member]    
Balance, Loans   2,011
Commercial Portfolio Segment [Member]    
Balance, Loans 21,850 17,213
Balance, Allowance for credit losses - loan commitments 597 1,018
Total allowance for credit losses beginning of year 22,447 18,231
(Recovery of) provision for credit losses - loans (1,227) 2,217
(Recovery of) provision for credit losses - loan commitments (426) (421)
Total provision for credit losses - loans and loan commitments (1,653) 1,796
Charge-offs (822) (753)
Recoveries 617 1,721
Net (charge-offs) recoveries (205) 968
Balance, Allowance for credit losses - loans 20,418 21,850
Balance, Allowance for credit losses - loan commitments 171 597
Ending balance 20,589 22,447
(Recovery of) provision for credit losses - loan commitments (426) (421)
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 9,693 8,931
Balance, Allowance for credit losses - loan commitments 121 156
Total allowance for credit losses beginning of year 9,814 9,087
(Recovery of) provision for credit losses - loans 175 125
(Recovery of) provision for credit losses - loan commitments 17 (35)
Total provision for credit losses - loans and loan commitments 192 90
Charge-offs (336) (412)
Recoveries 375 520
Net (charge-offs) recoveries 39 108
Balance, Allowance for credit losses - loans 9,907 9,693
Balance, Allowance for credit losses - loan commitments 138 121
Ending balance 10,045 9,814
(Recovery of) provision for credit losses - loan commitments 17 (35)
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 4,646 4,412
Balance, Allowance for credit losses - loan commitments 28 22
Total allowance for credit losses beginning of year 4,674 4,434
(Recovery of) provision for credit losses - loans 5,054 6,093
(Recovery of) provision for credit losses - loan commitments 4 6
Total provision for credit losses - loans and loan commitments 5,058 6,099
Charge-offs (6,693) (7,660)
Recoveries 1,493 1,771
Net (charge-offs) recoveries (5,200) (5,889)
Balance, Allowance for credit losses - loans 4,500 4,646
Balance, Allowance for credit losses - loan commitments 32 28
Ending balance 4,532 4,674
(Recovery of) provision for credit losses - loan commitments $ 4 6
Consumer and Other Portfolio Segment [Member] | Financial Asset Acquired with Credit Deterioration [Member] | Surrey [Member]    
Balance, Loans   $ 30