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Note 4 - Credit Quality (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Financing Receivable Credit Quality Indicators [Table Text Block]

		March 31, 2025
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	68,591			$	131			$	1,483			$	-			$	-			$	70,205
Commercial and industrial			241,694				1,301				3,607				-				-				246,602
Multi-family residential			191,893				154				146				-				-				192,193
Single family non-owner occupied			182,978				1,670				6,883				-				-				191,531
Non-farm, non-residential			820,637				12,237				7,872				-				-				840,746
Agricultural			10,177				3,521				1,881				-				-				15,579
Farmland			10,251				408				1,135				-				-				11,794
Consumer real estate loans
Home equity lines			84,606				424				2,958				-				-				87,988
Single family owner occupied			618,681				1,708				20,280				-				-				640,669
Owner occupied construction			3,873				-				-				-				-				3,873
Consumer and other loans
Consumer loans			77,891				-				1,612				-				-				79,503
Other			2,016				-				-				-				-				2,016
Total loans		$	2,313,288			$	21,554			$	47,857			$	-			$	-			$	2,382,699

		December 31, 2024
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	69,290			$	133			$	2,896			$	—			$	—			$	72,319
Commercial and industrial			227,108				2,045				3,701				—				—				232,854
Multi-family residential			194,865				3,319				1,337				—				—				199,521
Single family non-owner occupied			187,762				1,701				6,125				—				—				195,588
Non-farm, non-residential			831,821				12,572				7,830				—				—				852,223
Agricultural			11,144				3,589				1,943				—				—				16,676
Farmland			10,729				430				1,152				—				—				12,311
Consumer real estate loans
Home equity lines			86,908				476				2,843				—				—				90,227
Single family owner occupied			627,853				2,047				20,406				—				—				650,306
Owner occupied construction			4,491				—				—				—				—				4,491
Consumer and other loans
Consumer loans			86,177				—				1,581				—				—				87,758
Other			1,815				—				—				—				—				1,815
Total loans		$	2,339,963			$	26,312			$	49,814			$	—			$	—			$	2,416,089

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at March 31, 2025		2025				2024				2023				2022				2021				Prior				Revolving				Total
Construction, development and other land
Pass		$	429			$	10,300			$	7,306			$	32,155			$	12,272			$	5,474			$	655			$	68,591
Special mention			-				-				-				-				-				131				-				131
Substandard			-				164				1,155				-				-				164				-				1,483
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total construction, development, and other land		$	429			$	10,464			$	8,461			$	32,155			$	12,272			$	5,769			$	655			$	70,205
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Commercial and industrial
Pass		$	26,647			$	66,417			$	30,840			$	47,235			$	9,971			$	18,218			$	42,366			$	241,694
Special mention			-				2				-				60				-				947				292				1,301
Substandard			64				341				380				901				571				1,000				350				3,607
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total commercial and industrial		$	26,711			$	66,760			$	31,220			$	48,196			$	10,542			$	20,165			$	43,008			$	246,602
Current period gross write-offs		$	-			$	33			$	11			$	40			$	-			$	393			$	-			$	477
Multi-family residential
Pass		$	-			$	768			$	10,011			$	73,072			$	40,115			$	65,172			$	2,755			$	191,893
Special mention			-				-				-				-				-				154				-				154
Substandard			-				-				-				103				-				43				-				146
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total multi-family residential		$	-			$	768			$	10,011			$	73,175			$	40,115			$	65,369			$	2,755			$	192,193
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-farm, non-residential
Pass		$	10,484			$	38,925			$	74,887			$	221,780			$	133,780			$	330,686			$	10,095			$	820,637
Special mention			-				153				-				560				3,789				7,735				-				12,237
Substandard			-				-				82				339				2,620				4,521				310				7,872
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total non-farm, non-residential		$	10,484			$	39,078			$	74,969			$	222,679			$	140,189			$	342,942			$	10,405			$	840,746
Current period gross write-offs		$	-			$	-			$	-			$	56			$	-			$	-			$	-			$	56
Agricultural
Pass		$	20			$	585			$	2,929			$	2,515			$	1,398			$	1,898			$	832			$	10,177
Special mention			-				-				-				251				155				2,715				400				3,521
Substandard			-				-				447				159				22				1,253				-				1,881
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total agricultural		$	20			$	585			$	3,376			$	2,925			$	1,575			$	5,866			$	1,232			$	15,579
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Farmland
Pass		$	155			$	854			$	1,110			$	1,023			$	1,345			$	4,602			$	1,162			$	10,251
Special mention			-				-				-				-				97				311				-				408
Substandard			-				-				-				-				-				1,135				-				1,135
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total farmland		$	155			$	854			$	1,110			$	1,023			$	1,442			$	6,048			$	1,162			$	11,794
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at March 31, 2025		2025				2024				2023				2022				2021				Prior				Revolving				Total
Home equity lines
Pass		$	765			$	9			$	101			$	1,217			$	149			$	4,050			$	78,315			$	84,606
Special mention			-				-				-				-				-				88				336				424
Substandard			-				-				22				13				-				1,909				1,014				2,958
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total home equity lines		$	765			$	9			$	123			$	1,230			$	149			$	6,047			$	79,665			$	87,988
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	5			$	5
Single family Mortgage
Pass		$	7,775			$	16,695			$	47,858			$	150,458			$	199,756			$	378,532			$	585			$	801,659
Special mention			-				-				-				-				541				2,837				-				3,378
Substandard			-				30				878				2,853				1,388				22,014				-				27,163
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total single family owner and non-owner occupied		$	7,775			$	16,725			$	48,736			$	153,311			$	201,685			$	403,383			$	585			$	832,200
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	1			$	-			$	1
Owner occupied construction
Pass		$	87			$	3,135			$	153			$	51			$	161			$	286			$	-			$	3,873
Special mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total owner occupied construction		$	87			$	3,135			$	153			$	51			$	161			$	286			$	-			$	3,873
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer loans
Pass		$	5,949			$	15,806			$	18,094			$	20,608			$	8,379			$	3,442			$	7,629			$	79,907
Special mention			-				-				-				-				-				-				-				-
Substandard			-				139				252				525				331				331				34				1,612
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total consumer loans		$	5,949			$	15,945			$	18,346			$	21,133			$	8,710			$	3,773			$	7,663			$	81,519
Current period gross write-offs		$	379			$	175			$	312			$	316			$	159			$	37			$	81			$	1,459

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at March 31, 2025		2025				2024				2023				2022				2021				Prior				Revolving				Total
Total loans
Pass		$	52,311			$	153,494			$	193,289			$	550,114			$	407,326			$	812,360			$	144,394			$	2,313,288
Special mention			-				155				-				871				4,582				14,918				1,028				21,554
Substandard			64				674				3,216				4,893				4,932				32,370				1,708				47,857
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total loans		$	52,375			$	154,323			$	196,505			$	555,878			$	416,840			$	859,648			$	147,130			$	2,382,699
Current period gross write-offs		$	379			$	208			$	323			$	412			$	159			$	431			$	86			$	1,998

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Construction, development
and other land
Pass		$	9,806			$	7,378			$	33,423			$	12,495			$	1,948			$	3,589			$	651			$	69,290
Special Mention			-				-				-				-				65				68				-				133
Substandard			164				2,418				-				-				11				303								2,896
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total construction, development, and other land		$	9,970			$	9,796			$	33,423			$	12,495			$	2,024			$	3,960			$	651			$	72,319
Current period gross write-offs		$	-			$	-			$	-			$	-			$	1			$	8			$	-			$	9
Commercial and industrial
Pass		$	71,241			$	34,794			$	50,214			$	11,973			$	7,332			$	12,265			$	39,289			$	227,108
Special Mention			5				-				35				82				-				1,584				339				2,045
Substandard			193				404				831				457				465				1,351				-				3,701
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total commercial and industrial		$	71,439			$	35,198			$	51,080			$	12,512			$	7,797			$	15,200			$	39,628			$	232,854
Current period gross write-offs		$	24			$	95			$	351			$	48			$	34			$	2			$	-			$	554
Multi-family residential
Pass		$	775			$	10,084			$	73,633			$	42,533			$	28,855			$	36,150			$	2,835			$	194,865
Special Mention			-				-				-				-				-				3,319								3,319
Substandard			-				-				1,285				-				-				52								1,337
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total multi-family residential		$	775			$	10,084			$	74,918			$	42,533			$	28,855			$	39,521			$	2,835			$	199,521
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Non-farm, non-residential
Pass		$	40,054			$	76,285			$	226,217			$	140,911			$	104,728			$	235,001			$	8,625			$	831,821
Special Mention			154				-				565				1,758				-				10,095				-				12,572
Substandard			-				593				285				1,882				872				3,885				313				7,830
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-								-
Total non-farm, non-residential		$	40,208			$	76,878			$	227,067			$	144,551			$	105,600			$	248,981			$	8,938			$	852,223
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	29			$	-			$	29
Agricultural
Pass		$	646			$	3,168			$	2,723			$	1,561			$	245			$	1,754			$	1,047			$	11,144
Special Mention			-				-				256				161				3				3,169								3,589
Substandard			-				429				166				25				79				1,244								1,943
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total agricultural		$	646			$	3,597			$	3,145			$	1,747			$	327			$	6,167			$	1,047			$	16,676
Current period gross write-offs		$	-			$	115			$	96			$	19			$	-			$	-			$	-			$	230
Farmland
Pass		$	861			$	1,175			$	1,052			$	1,389			$	665			$	4,429			$	1,158			$	10,729
Special Mention			-				-				-				99				-				331								430
Substandard			-				-				-				-				142				1,010								1,152
Doubtful			-				-				-				-				-				-								-
Loss			-				-				-				-				-				-				-				-
Total farmland		$	861			$	1,175			$	1,052			$	1,488			$	807			$	5,770			$	1,158			$	12,311
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Home equity lines
Pass		$	10			$	106			$	1,205			$	100			$	86			$	4,175			$	81,226			$	86,908
Special Mention			-				-				-				-				-				140				336				476
Substandard			23				22				78				-				22				1,793				905				2,843
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total home equity lines		$	33			$	128			$	1,283			$	100			$	108			$	6,108			$	82,467			$	90,227
Current period gross write-offs		$	3			$	-			$	-			$	-			$	47			$	-			$	17			$	67
Single family Mortgage
Pass		$	16,876			$	47,598			$	154,680			$	204,443			$	173,310			$	218,047			$	661			$	815,615
Special Mention			-				-				-				440				-				3,308				-				3,748
Substandard			6				779				1,550				1,270				1,161				21,765				-				26,531
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total single family owner and non-owner occupied		$	16,882			$	48,377			$	156,230			$	206,153			$	174,471			$	243,120			$	661			$	845,894
Current period gross write-offs		$	-			$	-			$	-			$	185			$	-			$	84			$	-			$	269
Owner occupied construction
Pass		$	2,387			$	1,272			$	318			$	217			$	-			$	297			$	-			$	4,491
Special Mention			-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total owner occupied construction		$	2,387			$	1,272			$	318			$	217			$	-			$	297			$	-			$	4,491
Current period gross write-offs		$	-			$	-			$	-			$	-			$	-			$	-			$	-			$	-
Consumer loans
Pass		$	19,684			$	20,709			$	24,573			$	10,590			$	3,214			$	1,493			$	7,729			$	87,992
Special Mention			-				-				-				-				-				-				-				-
Substandard			94				327				532				284				30				279				35				1,581
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total consumer loans		$	19,778			$	21,036			$	25,105			$	10,874			$	3,244			$	1,772			$	7,764			$	89,573
Current period gross write-offs		$	1,518			$	1,269			$	2,277			$	908			$	243			$	105			$	373			$	6,693

(Amounts in thousands)		Term Loans Amortized Cost Basis by Origination Year
Balance at December 31, 2024		2024				2023				2022				2021				2020				Prior				Revolving				Total
Total loans
Pass		$	162,340			$	202,569			$	568,038			$	426,212			$	320,383			$	517,200			$	143,221			$	2,339,963
Special mention			159				-				856				2,540				68				22,014				675				26,312
Substandard			480				4,972				4,727				3,918				2,782				31,682				1,253				49,814
Doubtful			-				-				-				-				-				-				-				-
Loss			-				-				-				-				-				-				-				-
Total loans		$	162,979			$	207,541			$	573,621			$	432,670			$	323,233			$	570,896			$	145,149			$	2,416,089
Current period gross write-offs		$	1,545			$	1,479			$	2,724			$	1,160			$	325			$	228			$	390			$	7,851

Financing Receivable, Nonaccrual [Table Text Block]

		March 31, 2025												December 31, 2024
(Amounts in thousands)		No Allowance				With an Allowance				Total				No Allowance				With an Allowance				Total
Commercial loans
Construction, development, and other land		$	16			$	1,156			$	1,172			$	140			$	—			$	140
Commercial and industrial			2,163				-				2,163				2,492				—				2,492
Multi-family residential			147				-				147				152				—				152
Single family non-owner occupied			1,093				-				1,093				983				—				983
Non-farm, non-residential			2,475				-				2,475				2,284				531				2,815
Agricultural			1,524				-				1,524				1,541				—				1,541
Farmland			383				-				383				386				—				386
Consumer real estate loans
Home equity lines			1,162				-				1,162				1,072				—				1,072
Single family owner occupied			8,775				-				8,775				9,189				—				9,189
Owner occupied construction			-				-				-				—				—				—
Consumer and other loans
Consumer loans			1,080				-				1,080				1,099				—				1,099
Total nonaccrual loans		$	18,818			$	1,156			$	19,974			$	19,338			$	531			$	19,869

Financing Receivable, Past Due [Table Text Block]

		March 31, 2025
																										Amortized Cost of
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total				> 90 Days Accruing
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans				No Allowance
Commercial loans
Construction, development, and other land		$	275			$	-			$	1,168			$	1,443			$	68,762			$	70,205			$	-
Commercial and industrial			808				696				1,922				3,426				243,176				246,602				-
Multi-family residential			103				-				-				103				192,090				192,193				-
Single family non-owner occupied			905				1,001				674				2,580				188,951				191,531				-
Non-farm, non-residential			2,009				366				1,788				4,163				836,583				840,746				-
Agricultural			83				1				304				388				15,191				15,579				-
Farmland			302				1				142				445				11,349				11,794				-
Consumer real estate loans
Home equity lines			213				239				466				918				87,070				87,988				-
Single family owner occupied			4,807				2,574				1,667				9,048				631,621				640,669				-
Owner occupied construction			-				-				-				-				3,873				3,873				-
Consumer and other loans
Consumer loans			2,343				764				468				3,575				75,928				79,503				-
Other			-				-				-				-				2,016				2,016				-
Total loans		$	11,848			$	5,642			$	8,599			$	26,089			$	2,356,610			$	2,382,699			$	-

		December 31, 2024
																										Amortized Cost of
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total				> 90 Days Accruing
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans				No Allowance
Commercial loans
Construction, development, and other land		$	40			$	2,424			$	143			$	2,607			$	69,712			$	72,319			$	—
Commercial and industrial			1,100				295				2,285				3,680				229,174				232,854				—
Multi-family residential			—				—				—				—				199,521				199,521				—
Single family non-owner occupied			1,228				434				500				2,162				193,426				195,588				—
Non-farm, non-residential			3,182				123				1,457				4,762				847,461				852,223				—
Agricultural			159				67				492				718				15,958				16,676				—
Farmland			11				2				142				155				12,156				12,311				—
Consumer real estate loans
Home equity lines			599				230				558				1,387				88,840				90,227				—
Single family owner occupied			5,812				1,457				3,974				11,243				639,063				650,306				—
Owner occupied construction			—				—				—				—				4,491				4,491				—
Consumer and other loans
Consumer loans			2,960				932				560				4,452				83,306				87,758				—
Other			—				—				—				—				1,815				1,815				—
Total loans		$	15,091			$	5,964			$	10,111			$	31,166			$	2,384,923			$	2,416,089			$	—

Collateral Dependent Loans [Table Text Block]

		March 31, 2025												December 31, 2024
(Amounts in thousands)		Balance				Collateral Coverage				%				Balance				Collateral Coverage				%
Commercial Real Estate		$	1,156			$	1,956				169.14	%		$	-			$	-				-
Other			-				-				-				531				645				121.57	%
Total collateral dependent loans		$	1,156			$	1,956				169.14	%		$	531			$	645				121.57	%

Financing Receivable, Modified [Table Text Block]

		Payment Delays
		Amortized Cost Basis				% of Total Class of
		March 31, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Non Farm, Non Residential Property		$	192				0.02	%	Deferred 6 months of interest to loan maturity.
Single Family Owner Occupied			498				0.08	%	Deferred $66 thousand in principal to loan maturity.
Single Family Non Owner Occupied			28				0.01	%	Deferred 6 months of interest to loan maturity.
Agricultural			182				1.17	%	Deferred 6 months of interest to loan maturity.
Commercial & Industrial			125				0.05	%	Deferred $8 thousand in principal to loan maturity.
Total		$	1,025
		Term Extensions
		Amortized Cost Basis				% of Total Class of
		March 31, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	71				0.01	%	Extended term 10.5 years.
Commercial & Industrial			130				0.05	%	Delayed repayment of P & I for two years.
Consumer			1				0.00	%	Extended term from 60 to 84 months.
HELOC			1				0.00	%	Delayed repayment of P & I for two years.
Total		$	203
		Term Extension and Rate Reduction
		Amortized Cost Basis				% of Total Class of
		March 31, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	796				0.12	%	Reduced interest income and extended time to recover principal.
Consumer			7				0.01	%	Reduced rate to 10.5%; extended term by ten months.
Total		$	803
		Interest Rate Reduction
		Amortized Cost Basis				% of Total Class of
		March 31, 2025				Financing Receivable			Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	93				0.01	%	Reduced interest rate from 3.15% to 1.95%.
Total		$	93

		Payment Delays
		Amortized Cost Basis				% of Total Class of
		December 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Non Farm, Non Residential Property		$	625				0.07	%			Deferred 6 months of interest to Loan Maturity.
Single Family Owner Occupied			509				0.08	%			Deferred $66 thousand in Principal to Loan Maturity.
Single Family Non Owner Occupied			30				0.02	%			Deferred 6 months of interest to Loan Maturity.
Commercial & Industrial			135				0.06	%			Deferred $8 thousand in Principal to Loan Maturity.
Total		$	1,299
		Term Extensions
		Amortized Cost Basis				% of Total Class of
		December 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Commercial & Industrial		$	144				0.06	%			Delayed repayment of P & I for two years.
Consumer			2				0.00	%			Extended term from 60 to 84 months.
Home Equity			2				0.00	%			Delayed repayment of P & I for two years.
Total		$	148
		Term Extension and Rate Reduction
		Amortized Cost Basis				% of Total Class of
		December 31, 2024				Financing Receivable					Financial Effect
(Amounts in thousands)
Single Family Owner Occupied		$	806				0.12	%			Reduced interest income and extended time to recover principal.
Consumer			7				0.01	%			Reduced rate to 10.5%; extended term by ten months.
Total		$	813

		March 31, 2025
		Payment Status (Amortized Cost Basis)
		Current				30-89 Days Past Due				90+ Days Past Due
(Amounts in thousands)
Non Farm, Non Residential Property		$	192			$	-			$	-
Single Family Owner Occupied			1,310				148				-
Single Family Non Owner Occupied			-				28				-
Agricultural			182				-				-
Commercial & Industrial			130				-				125
Consumer			8				-				-
Home Equity			1				-				-
Total		$	1,823			$	176			$	125
		December 31, 2024
		Payment Status (Amortized Cost Basis)
		Current				30-89 Days Past Due				90+ Days Past Due
(Amounts in thousands)
Non Farm, Non Residential Property		$	625			$	-			$	-
Single Family Owner Occupied			1,140				174				-
Single Family Non Owner Occupied			-				30				-
Commercial & Industrial			144				-				135
Consumer			10				-				-
Home Equity			2
Total		$	1,921			$	204			$	135

Other Real Estate Owned [Table Text Block]

		March 31, 2025				December 31, 2024
(Amounts in thousands)
OREO		$	298			$	521
OREO secured by residential real estate		$	298			$	521
Residential real estate loans in the foreclosure process(1)		$	1,727			$	2,625

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