XML 75 R64.htm IDEA: XBRL DOCUMENT v3.24.2.u1
Loans and Allowance for Credit Losses - Changes in allowance (Details)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2024
USD ($)
Jun. 30, 2023
USD ($)
Jun. 30, 2024
USD ($)
loan
Jun. 30, 2023
USD ($)
Dec. 31, 2023
USD ($)
Changes in the allowance          
Beginning balance $ 36,584 $ 35,102 $ 35,843 $ 31,146 $ 31,146
Provision for credit losses 4,270   5,069 460  
Loan charge-offs (2,734) (108) (2,939) (365) (613)
Loan recoveries 212 511 359 598  
Ending balance 38,332 35,696 38,332 35,696 35,843
Provision (recovery) for off-balance sheet credit loss 275 186 (518) 44  
Debt securities held-to-maturity credit loss (reversal) (56) 5 (62) 46  
Increase (decrease) in allowance for credit loss     $ 2,500    
Percentage of increase in ACL compared to previous year     6.90%    
Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     $ 3,857    
Provision for credit losses   191      
Ending balance         3,857
Commercial          
Changes in the allowance          
Beginning balance 28,610 25,154 27,971 23,472 23,472
Provision for credit losses 4,972   5,670 140  
Loan charge-offs (2,730) (85) (2,923) (260)  
Loan recoveries 128 450 262 517  
Ending balance 30,980 25,581 30,980 25,581 27,971
Commercial | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     1,712    
Provision for credit losses   62      
Ending balance         1,712
Commercial | Construction, land and development and non-owner occupied          
Changes in the allowance          
Increase (decrease) in allowance for credit loss     5,700    
Commercial | Commercial and industrial          
Changes in the allowance          
Beginning balance 9,508 7,954 9,705 8,690 8,690
Provision for credit losses (663)   (819) (219)  
Loan charge-offs (2,730) (85) (2,894) (260) (436)
Loan recoveries 119 438 242 494  
Ending balance 6,234 8,170 6,234 8,170 9,705
Increase (decrease) in allowance for credit loss     $ (2,600)    
Number of loans charged-off | loan     1    
Commercial | Commercial and industrial | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     $ (535)    
Provision for credit losses   (137)      
Ending balance         (535)
Commercial | Commercial real estate          
Changes in the allowance          
Beginning balance 18,635 16,856 18,086 14,251 14,251
Provision for credit losses 5,658   6,225 489  
Loan charge-offs     (29)    
Loan recoveries 9 11 20 22  
Ending balance 24,302 17,171 24,302 17,171 18,086
Commercial | Commercial real estate | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     2,409    
Provision for credit losses   304      
Ending balance         2,409
Commercial | Commercial real estate | Construction, land and development          
Changes in the allowance          
Beginning balance 5,922 4,349 6,135 1,458 1,458
Provision for credit losses 4,898   4,685 (278)  
Ending balance 10,820 3,731 10,820 3,731 6,135
Commercial | Commercial real estate | Construction, land and development | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     2,551    
Provision for credit losses   (618)      
Ending balance         2,551
Commercial | Commercial real estate | Multifamily          
Changes in the allowance          
Beginning balance 2,148 1,562 1,776 1,062 1,062
Provision for credit losses 282   654 1,091  
Ending balance 2,430 1,991 2,430 1,991 1,776
Commercial | Commercial real estate | Multifamily | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     (162)    
Provision for credit losses   429      
Ending balance         (162)
Commercial | Commercial real estate | Non-owner occupied          
Changes in the allowance          
Beginning balance 8,104 8,045 7,726 7,543 7,543
Provision for credit losses 668   1,046 (332)  
Ending balance 8,772 8,555 8,772 8,555 7,726
Commercial | Commercial real estate | Non-owner occupied | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     1,344    
Provision for credit losses   510      
Ending balance         1,344
Commercial | Commercial real estate | Owner occupied          
Changes in the allowance          
Beginning balance 2,461 2,900 2,449 4,188 4,188
Provision for credit losses (190)   (160) 8  
Loan charge-offs     (29)    
Loan recoveries 9 11 20 22  
Ending balance 2,280 2,894 2,280 2,894 2,449
Commercial | Commercial real estate | Owner occupied | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     (1,324)    
Provision for credit losses   (17)      
Ending balance         (1,324)
Agricultural | Commercial real estate          
Changes in the allowance          
Beginning balance 467 344 180 531 531
Provision for credit losses (23)   264 (130)  
Loan recoveries   1   1  
Ending balance 444 240 444 240 180
Agricultural | Commercial real estate | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     (162)    
Provision for credit losses   (105)      
Ending balance         (162)
Agricultural | Commercial real estate | Land          
Changes in the allowance          
Beginning balance 248 192 96 281 281
Provision for credit losses 11   163 (59)  
Loan recoveries   1   1  
Ending balance 259 137 259 137 96
Agricultural | Commercial real estate | Land | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     (86)    
Provision for credit losses   (56)      
Ending balance         (86)
Agricultural | Commercial real estate | Production          
Changes in the allowance          
Beginning balance 219 152 84 250 250
Provision for credit losses (34)   101 (71)  
Ending balance 185 103 185 103 84
Agricultural | Commercial real estate | Production | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     (76)    
Provision for credit losses   (49)      
Ending balance         (76)
Consumer          
Changes in the allowance          
Beginning balance 7,974   7,872 7,674 7,674
Provision for credit losses (702)   (601) 320  
Loan charge-offs (4)   (16) (105)  
Loan recoveries 84   97 81  
Ending balance 7,352 10,115 7,352 10,115 7,872
Consumer | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     2,145    
Ending balance         2,145
Consumer | Commercial real estate | Junior lien          
Changes in the allowance          
Loan charge-offs         (77)
Consumer | Residential          
Changes in the allowance          
Beginning balance 7,789 9,625 7,671 7,143 7,143
Provision for credit losses (836)   (718) 442  
Loan charge-offs (3)   (3) (77)  
Loan recoveries 74 46 74 54  
Ending balance 7,024 9,804 7,024 9,804 7,671
Consumer | Residential | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     2,242    
Provision for credit losses   133      
Ending balance         2,242
Consumer | Residential | First lien          
Changes in the allowance          
Beginning balance 6,152 7,389 6,087 5,495 5,495
Provision for credit losses (786)   (721) 274  
Loan charge-offs         (9)
Loan recoveries       2  
Ending balance 5,366 7,571 5,366 7,571 6,087
Consumer | Residential | First lien | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     1,800    
Provision for credit losses   182      
Ending balance         1,800
Consumer | Residential | Construction          
Changes in the allowance          
Beginning balance 489 908 485 345 345
Provision for credit losses (31)   (27) (28)  
Ending balance 458 785 458 785 485
Consumer | Residential | Construction | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     468    
Provision for credit losses   (123)      
Ending balance         468
Consumer | Residential | HELOC          
Changes in the allowance          
Beginning balance 864 1,038 835 951 951
Provision for credit losses 22   51 104  
Loan charge-offs         (40)
Loan recoveries       3  
Ending balance 886 1,117 886 1,117 835
Consumer | Residential | HELOC | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     59    
Provision for credit losses   79      
Ending balance         59
Consumer | Residential | Junior lien          
Changes in the allowance          
Beginning balance 284 290 264 352 352
Provision for credit losses (41)   (21) 92  
Loan charge-offs (3)   (3) (77)  
Loan recoveries 74 46 74 49  
Ending balance 314 331 314 331 264
Consumer | Residential | Junior lien | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     (85)    
Provision for credit losses   (5)      
Ending balance         (85)
Consumer | Other consumer | Other consumer          
Changes in the allowance          
Beginning balance 185 323 201 531 531
Provision for credit losses 134   117 (122)  
Loan charge-offs (1) (23) (13) (28) (51)
Loan recoveries 10 15 23 27  
Ending balance $ 328 311 328 311 201
Consumer | Other consumer | Other consumer | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Beginning balance     $ (97)    
Provision for credit losses   (4)      
Ending balance         $ (97)
Consumer | Unallocated          
Changes in the allowance          
Beginning balance   9,948      
Loan charge-offs   (23)      
Loan recoveries   61      
Ending balance   10,115   $ 10,115  
Consumer | Unallocated | Adoption of CECL | Cumulative Effect, Period of Adoption, Adjustment          
Changes in the allowance          
Provision for credit losses   $ 129