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Note 5 - Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Notes Tables

Financing Receivable, Allowance for Credit Loss [Table Text Block]

		*Three Months Ended March 31, 2025*
						*Consumer Real*				*Consumer and*				*Total*
(Amounts in thousands)		*Commercial*				*Estate*				*Other*				*Allowance*
Total allowance
Balance at beginning of quarter:
Allowance for credit losses - loans		$	20,418			$	9,907			$	4,500			$	34,825
Allowance for credit losses - loan commitments			171				138				32				341
Total allowance for credit losses beginning of year			20,589				10,045				4,532				35,166
Provision for credit losses:
(Recovery of) provision for credit losses - loans			(59	)			(307	)			716				350
Recovery of credit losses - loan commitments			(17	)			(6	)			(6	)			(29	)
Total (recovery of) provision for credit losses - loans and loan commitments			(76	)			(313	)			710				321
Charge-offs			(533	)			(6	)			(1,459	)			(1,998	)
Recoveries			82				126				399				607
Net recoveries (charge-offs)			(451	)			120				(1,060	)			(1,391	)
Allowance for credit losses - loans			19,908				9,720				4,156				33,784
Allowance for credit losses - loan commitments			154				132				26				312
Ending balance		$	20,062			$	9,852			$	4,182			$	34,096

		*Three Months Ended March 31, 2024*
						*Consumer Real*				*Consumer and*				*Total*
(Amounts in thousands)		*Commercial*				*Estate*				*Other*				*Allowance*
Total allowance
Balance at beginning of quarter:
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			(552	)			(135	)			1,698				1,011
Recovery of credit losses - loan commitments			-				-				-				-
Total (recovery of) provision for credit losses - loans and loan commitments			(552	)			(135	)			1,698				1,011
Charge-offs			(362	)			(66	)			(2,020	)			(2,448	)
Recoveries			116				209				384				709
Net (charge-offs) recoveries			(246	)			143				(1,636	)			(1,739	)
Allowance for credit losses - loans			21,052				9,701				4,708				35,461
Allowance for credit losses - loan commitments			597				121				28				746
Ending balance		$	21,649			$	9,822			$	4,736			$	36,207