The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Year Ended December 31, 2024
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066
Charged-off loans and leases		—		—		—		(441)		(928)		(1,312)		(336)		(3,017)
Recoveries of charge-offs		—		36		4		—		159		8		101		308
Provision charged to expense ⁽¹⁾		126		(113)		1,102		(265)		2,397		1,583		236		5,066
Ending balance	$	6,972	$	8,341	$	8,355	$	4,168	$	8,552	$	919	$	116	$	37,423

(1)

In the provision charged to expense there was a provision of $87 thousand for unfunded commitments through the provision for credit losses not reflected in the year ended December 31, 2024.


	Year Ended December 31, 2023
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	5,694	$	5,127	$	4,028	$	3,059	$	3,997	$	1,293	$	136	$	23,334
Impact of adopting ASU 2016-13		458		421		1,952		2,145		1,451		(683)		13		5,757
Purchased credit-deteriorated gross up		117		2,535		166		25		27		28		—		2,898
Charged-off loans and leases		—		—		(9)		—		(584)		(345)		(425)		(1,363)
Recoveries of charge-offs		—		6		53		25		396		—		205		685
Provision charged to expense ⁽¹⁾		577		329		1,059		(380)		1,637		347		186		3,755
Ending balance	$	6,846	$	8,418	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066

(1)

In the provision charged to expense there was a release of $726 thousand for unfunded commitments through the provision for credit losses not reflected in the year ended December 31, 2023.


	Year Ended December 31, 2022
	Commercial		Commercial
	Real Estate		Real Estate		Consumer		Construction		Commercial
	Non-Owner		Owner		Real		and Land		and				Consumer
	Occupied		Occupied		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	5,611	$	4,170	$	3,454	$	1,882	$	3,781	$	330	$	124	$	19,352
Charged-off loans and leases		—		—		(33)		—		(307)		(110)		(744)		(1,194)
Recoveries of charge-offs		—		6		564		—		184		194		210		1,158
Provision charged to expense		83		951		43		1,177		339		879		546		4,018
Ending balance	$	5,694	$	5,127	$	4,028	$	3,059	$	3,997	$	1,293	$	136	$	23,334

Past Due Loans and Leases

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	378	$	—	$	263	$	641	$	1,079,763	$	1,080,404
Owner occupied		731		47		539		1,317		866,361		867,678
Consumer real estate		2,258		826		764		3,848		737,988		741,836
Construction and land development		523		—		—		523		361,212		361,735
Commercial and industrial		1,417		367		1,636		3,420		772,200		775,620
Leases		1,645		—		2,118		3,763		61,115		64,878
Consumer and other		96		24		18		138		14,051		14,189
Total	$	7,048	$	1,264	$	5,338	$	13,650	$	3,892,690	$	3,906,340


	December 31, 2023
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate:
Non-owner occupied	$	—	$	—	$	571	$	571	$	940,218		940,789
Owner occupied		52		270		1,089		1,411		797,005		798,416
Consumer real estate		2,216		1,347		561		4,124		645,743		649,867
Construction and land development		631		—		620		1,251		325,934		327,185
Commercial and industrial		956		330		2,286		3,572		642,346		645,918
Leases		1,208		132		212		1,552		67,200		68,752
Consumer and other		80		9		98		187		13,348		13,535
Total	$	5,143	$	2,088	$	5,437	$	12,668	$	3,431,794	$	3,444,462

Summary of amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses

The following table presents the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	December 31, 2024
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	733	$	—	$	733
Owner occupied		4,636				4,636
Consumer real estate		1,139		—		1,139
Construction and land development		262		—		262
Commercial and industrial		—		2,286		2,286
Leases		—		534		534
Consumer and other		—		—		—
Total	$	6,770	$	2,820	$	9,590

	December 31, 2023
	Real Estate		Other		Total
Commercial real estate:
Non-owner occupied	$	780	$	—	$	780
Owner occupied		4,375				4,375
Consumer real estate		2,756		—		2,756
Construction and land development		1,411		—		1,411
Commercial and industrial		—		1,018		1,018
Leases		—		—		—
Consumer and other		—		—		—
Total	$	9,322	$	1,018	$	10,340

Summary of loans and leases made to borrowers experiencing financial difficulty that were modified

The table below shows the amortized cost of loans and leases made to borrowers experiencing financial difficulty that were modified during the years ended December 31, 2024, and 2023, respectively. (dollars in thousands):


					Payment Delay
	Payment		Term		and Term
Year ended December 31, 2024	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		301		—		301
Construction and land development		—		—		—		—
Commercial and industrial		—		24		—		24
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	325	$	—	$	325

					Payment Delay
	Payment		Term		and Term
Year ended December 31, 2023	Delay		Extension		Extension		Total
Commercial real estate:							$	—
Non-owner occupied	$	—	$	2,492	$	—	$	2,492
Owner occupied		386		38		—		424
Consumer real estate		—		446		—		446
Construction and land development		—		690		—		690
Commercial and industrial		57		—		136		193
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	443	$	3,666	$	136	$	4,245

The following table summarizes the financial impacts of loan modifications made to borrowers experiencing financial difficulty for the year ended December 31, 2024, and 2023, respectively (dollars in thousands):


	Weighted-Average
	Term		Weighted-Average
	Extension		Total Payment
Year ended December 31, 2024	(in months)		Delay
Commercial real estate:
Non-owner occupied		—	$	—
Owner occupied		—		—
Consumer real estate		63		—
Construction and land development		—		—
Commercial and industrial		38		—
Leases		—		—
Consumer and other		—		—

	Weighted-Average
	Term		Weighted-Average
	Extension		Total Payment
Year ended December 31, 2023	(in months)		Delay
Commercial real estate:
Non-owner occupied		7	$	—
Owner occupied		180		22
Consumer real estate		16		—
Construction and land development		8		—
Commercial and industrial		30		6
Leases		—		—
Consumer and other		—		—


					Payment Delay
	Payment		Term		and Term
Year ended December 31, 2024	Delay		Extension		Extension		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—
Consumer real estate		—		60		—		60
Construction and land development		—		—		—		—
Commercial and industrial		—		—		—		—
Leases		—		—		—		—
Consumer and other		—		—		—		—
Total	$	—	$	60	$	—	$	60

The table below shows an age analysis of loans and leases made to borrowers experiencing financial difficulty that were modified in the last twelve months, (in thousands):


	December 31, 2024
					90 Days
			30-89 Days		or More
	Current		Past Due		Past Due		Nonaccrual		Total
Commercial real estate:
Non-owner occupied	$	—	$	—	$	—	$	—	$	—
Owner occupied		—		—		—		—		—
Consumer real estate		168		—		—		134		302
Construction and land development		—		—		—		—		—
Commercial and industrial		14		—		—		9		23
Leases		—		—		—		—		—
Consumer and other		—		—		—		—		—
Total	$	182	$	—	$	—	$	143	$	325