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Note 5 - Allowance for Credit Losses (Tables)

6 Months Ended

Jun. 30, 2025

Notes Tables

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

		*Three Months Ended June 30, 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		$	19,908			$	9,720			$	4,156			$	33,784
Allowance for credit losses - loan commitments			154				132				26				312
Total allowance for credit losses beginning of year			20,062				9,852				4,182				34,096
Provision for credit losses:
(Recovery of) provision for credit losses - loans			(1,104	)			59				753				(292	)
Provision for (recovery of) credit losses - loan commitments			9				(2	)			-				7
Total (recovery of) provision for credit losses - loans and loan commitments			(1,095	)			57				753				(285	)
Charge-offs			(161	)			(22	)			(1,326	)			(1,509	)
Recoveries			604				50				383				1,037
Net recoveries (charge-offs)			443				28				(943	)			(472	)
Allowance for credit losses - loans			19,247				9,807				3,966				33,020
Allowance for credit losses - loan commitments			163				130				26				319
Ending balance		$	19,410			$	9,937			$	3,992			$	33,339

		*Three Months Ended June 30, 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		$	21,052			$	9,701			$	4,708			$	35,461
Allowance for credit losses - loan commitments			597				121				28				746
Total allowance for credit losses beginning of year			21,649				9,822				4,736				36,207
Provision for credit losses:
(Recovery of) provision for credit losses - loans			(634	)			193				890				449
(Recovery of) provision for credit losses - loan commitments			(308	)			(3	)			6				(305	)
Total (recovery of) provision for credit losses - loans and loan commitments			(942	)			190				896				144
Charge-offs			(194	)			(63	)			(1,342	)			(1,599	)
Recoveries			128				48				398				574
Net charge-offs			(66	)			(15	)			(944	)			(1,025	)
Allowance for credit losses - loans			20,352				9,879				4,654				34,885
Allowance for credit losses - loan commitments			289				118				34				441
Ending balance		$	20,641			$	9,997			$	4,688			$	35,326

		*Six Months Ended June 30, 2025*
						*Consumer Real*				*Consumer and*				*Total*
(Amounts in thousands)		*Commercial*				*Estate*				*Other*				*Allowance*
Total allowance
Balance at beginning of year:
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			(1,162	)			(248	)			1,468				58
Recovery of credit losses - loan commitments			(8	)			(8	)			(6	)			(22	)
Total (recovery of) provision for credit losses - loans and loan commitments			(1,170	)			(256	)			1,462				36
Charge-offs			(695	)			(29	)			(2,783	)			(3,507	)
Recoveries			686				177				781				1,644
Net (charge-offs) recoveries			(9	)			148				(2,002	)			(1,863	)
Allowance for credit losses - loans			19,247				9,807				3,966				33,020
Allowance for credit losses - loan commitments			163				130				26				319
Ending balance		$	19,410			$	9,937			$	3,992			$	33,339

		*Six Months Ended June 30, 2024*
						*Consumer Real*				*Consumer and*				*Total*
(Amounts in thousands)		*Commercial*				*Estate*				*Other*				*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			(1,186	)			58				2,588				1,460
(Recovery of) provision for credit losses - loan commitments			(308	)			(3	)			6				(305	)
Total (recovery of) provision for credit losses - loans and loan commitments			(1,494	)			55				2,594				1,155
Charge-offs			(556	)			(129	)			(3,362	)			(4,047	)
Recoveries			244				257				782				1,283
Net (charge-offs) recoveries			(312	)			128				(2,580	)			(2,764	)
Allowance for credit losses - loans			20,352				9,879				4,654				34,885
Allowance for credit losses - loan commitments			289				118				34				441
Ending balance		$	20,641			$	9,997			$	4,688			$	35,326