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Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2025

Receivables [Abstract]

Schedule of Allowance for Loan Losses by Class of Financing Receivable and Allowance

A breakdown of the ACL as of March 31, 2025, by class of financing receivable and allowance element, is presented in the following table:

As of March 31, 2025			Specific Reserves on Loans Evaluated Individually			General Reserves on Loans Based on Historical Loss Experience			Reserves for Qualitative Factors			Total Reserves
Commercial
Real estate owner occupied			$	—		$	4,472,000		$	717,000		$	5,189,000
Real estate non-owner occupied			—			4,252,000			618,000			4,870,000
Construction			—			472,000			147,000			619,000
C&I			1,029,000			3,872,000			598,000			5,499,000
Multifamily			—			1,290,000			165,000			1,455,000
Agriculture			—			444,000			143,000			587,000
Municipal			—			33,000			202,000			235,000
Residential
Term			—			4,823,000			437,000			5,260,000
Construction			—			403,000			62,000			465,000
Home Equity
Revolving and term			—			662,000			89,000			751,000
Consumer			—			176,000			8,000			184,000
			$	1,029,000		$	20,899,000		$	3,186,000		$	25,114,000

A breakdown of the ACL as of December 31, 2024, by class of financing receivable and allowance element, is presented in the following table:

As of December 31, 2024			Specific Reserves on Loans Evaluated Individually			General Reserves on Loans Based on Historical Loss Experience			Reserves for Qualitative Factors			Total Reserves
Commercial
Real estate owner occupied			$	—		$	4,355,000		$	690,000		$	5,045,000
Real estate non-owner occupied			—			4,237,000			592,000			4,829,000
Construction			—			786,000			158,000			944,000
C&I			1,047,000			3,744,000			573,000			5,364,000
Multifamily			—			1,108,000			131,000			1,239,000
Agriculture			—			449,000			156,000			605,000
Municipal			—			35,000			227,000			262,000
Residential
Term			—			4,811,000			430,000			5,241,000
Construction			—			414,000			60,000			474,000
Home Equity
Revolving and term			—			600,000			86,000			686,000
Consumer			—			175,000			7,000			182,000
			$	1,047,000		$	20,714,000		$	3,110,000		$	24,871,000

A breakdown of the ACL as of March 31, 2024, by class of financing receivable and allowance element, is presented in the following table:

As of March 31, 2024			Specific Reserves on Loans Evaluated Individually			General Reserves on Loans Based on Historical Loss Experience			Reserves for Qualitative Factors			Total Reserves
Commercial
Real estate owner occupied			$	—		$	4,177,000		$	1,003,000		$	5,180,000
Real estate non-owner occupied			—			3,730,000			535,000			4,265,000
Construction			—			910,000			(90,000)			820,000
C&I			221,000			4,001,000			861,000			5,083,000
Multifamily			—			1,348,000			159,000			1,507,000
Agriculture			—			358,000			34,000			392,000
Municipal			—			38,000			156,000			194,000
Residential
Term			22,000			4,587,000			745,000			5,354,000
Construction			—			648,000			(86,000)			562,000
Home Equity
Revolving and term			—			554,000			123,000			677,000
Consumer			—			158,000			15,000			173,000
			$	243,000		$	20,509,000		$	3,455,000		$	24,207,000

Schedule of ACL for Off-balance Sheet Credit Exposure

The following table presents the activity in the ACL for off-balance sheet credit exposures for the three months ended March 31, 2025 and 2024:

			For the three months ended March 31,
			2025			2024
Allowance for credit losses:
Beginning balance			$	714,000		$	1,255,000
Credit loss reduction			(5,000)			(360,000)
Total ending allowance balance			$	709,000		$	895,000

Schedule of Credit Quality Risk Ratings for Loans

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of March 31, 2025:

			Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands			2025			2024			2023			2022			2021			Prior			Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term			Total
As of March 31, 2025
Commercial
Real estate owner occupied
Pass (risk rating 1-5)			$	25,528		$	47,943		$	63,697		$	69,323		$	34,093		$	105,636		$	11,439		$	960		$	358,619
Special Mention (risk rating 6)			335			—			3,026			5,334			—			1,602			134			—			10,431
Substandard (risk rating 7)			—			50			254			—			257			854			—			—			1,415
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Real Estate Owner Occupied			25,863			47,993			66,977			74,657			34,350			108,092			11,573			960			370,465
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Real estate non-owner occupied
Pass (risk rating 1-5)			12,815			30,688			29,387			70,836			113,717			139,405			13,310			1,520			411,678
Special Mention (risk rating 6)			—			—			62			—			44			199			—			—			305
Substandard (risk rating 7)			1,285			201			—			—			—			61			—			—			1,547
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Real Estate Non-Owner Occupied			14,100			30,889			29,449			70,836			113,761			139,665			13,310			1,520			413,530
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Construction
Pass (risk rating 1-5)			4,992			33,225			19,150			8,412			4,951			3,508			—			—			74,238
Special Mention (risk rating 6)			—			—			—			2,001			—			—			—			—			2,001
Substandard (risk rating 7)			—			95			—			—			68			—			—			—			163
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Construction			4,992			33,320			19,150			10,413			5,019			3,508			—			—			76,402
Current period gross write-offs			—			—			—			—			—			—			—			—			—
C&I
Pass (risk rating 1-5)			17,421			71,806			49,011			45,461			38,872			36,195			115,708			1,184			375,658
Special Mention (risk rating 6)			—			25			10			301			471			73			840			—			1,720
Substandard (risk rating 7)			100			—			1,256			280			39			275			181			—			2,131
Doubtful (risk rating 8)			—			—			—			—			—			258			—			—			258
Total C&I			17,521			71,831			50,277			46,042			39,382			36,801			116,729			1,184			379,767
Current period gross write-offs			—			(46)			—			—			—			(100)			—			—			(146)
Multifamily
Pass (risk rating 1-5)			4,181			14,711			11,913			49,518			19,005			25,969			769			—			126,066
Special Mention (risk rating 6)			112			—			1,600			—			—			—			—			—			1,712
Substandard (risk rating 7)			—			—			—			1,020			1,328			910			—			—			3,258
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Multifamily			4,293			14,711			13,513			50,538			20,333			26,879			769			—			131,036
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Agriculture
Pass (risk rating 1-5)			2,798			10,784			2,712			5,139			3,777			19,080			1,168			231			45,689
Special Mention (risk rating 6)			—			—			460			—			52			135			600			—			1,247
Substandard (risk rating 7)			1,325			—			75			211			29			129			—			—			1,769
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Agriculture			4,123			10,784			3,247			5,350			3,858			19,344			1,768			231			48,705
Current period gross write-offs			—			—			—			—			—			—			—			—			—

			Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands			2025			2024			2023			2022			2021			Prior			Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term			Total
As of March 31, 2025
Municipal
Pass (risk rating 1-5)			1,937			9,186			18,563			3,984			3,881			17,553			—			—			55,104
Special Mention (risk rating 6)			—			—			—			—			—			—			—			—			—
Substandard (risk rating 7)			—			—			—			—			—			—			—			—			—
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Municipal			1,937			9,186			18,563			3,984			3,881			17,553			—			—			55,104
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Residential
Term
Performing			15,831			57,989			94,350			148,507			127,709			269,381			2,517			120			716,404
Non-performing			—			—			—			420			703			1,821			—			—			2,944
Total Term			15,831			57,989			94,350			148,927			128,412			271,202			2,517			120			719,348
Current period gross write-offs			—			—			—			—			—			(1)			—			—			(1)
Construction
Performing			3,031			27,475			3,510			728			—			683			—			—			35,427
Non-performing			—			—			—			—			—			—			—			—			—
Total Construction			3,031			27,475			3,510			728			—			683			—			—			35,427
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Home Equity Revolving and Term
Performing			2,995			12,157			9,070			8,039			1,872			2,683			85,270			9,021			131,107
Non-performing			—			—			—			88			—			93			63			171			415
Total Home Equity Revolving and Term			2,995			12,157			9,070			8,127			1,872			2,776			85,333			9,192			131,522
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Consumer
Performing			1,750			2,614			2,134			1,079			626			6,399			7,242			—			21,844
Non-performing			—			—			—			—			—			—			—			—			—
Total Consumer			1,750			2,614			2,134			1,079			626			6,399			7,242			—			21,844
Current period gross write-offs			—			(16)			(11)			(8)			(2)			(24)			—			—			(61)
Total loans			$	96,436		$	318,949		$	310,240		$	420,681		$	351,494		$	632,902		$	239,241		$	13,207		$	2,383,150

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of December 31, 2024:

			Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term			Total
As of December 31, 2024
Commercial
Real estate owner occupied
Pass (risk rating 1-5)			$	47,724		$	62,376		$	77,469		$	39,635		$	26,448		$	81,529		$	10,727		$	1,126		$	347,034
Special Mention (risk rating 6)			125			3,026			5,334			—			195			1,603			50			—			10,333
Substandard (risk rating 7)			41			261			—			257			160			502			—			—			1,221
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Real Estate Owner Occupied			47,890			65,663			82,803			39,892			26,803			83,634			10,777			1,126			358,588
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Real estate non-owner occupied
Pass (risk rating 1-5)			33,083			29,546			72,025			113,630			45,421			96,778			11,241			1,520			403,244
Special Mention (risk rating 6)			—			62			—			44			—			199			—			—			305
Substandard (risk rating 7)			289			—			—			—			—			61			—			—			350
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Real Estate Non-Owner Occupied			33,372			29,608			72,025			113,674			45,421			97,038			11,241			1,520			403,899
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Construction
Pass (risk rating 1-5)			36,478			22,629			26,650			7,826			1,356			2,314			—			—			97,253
Special Mention (risk rating 6)			—			—			2,007			44			—			199			—			—			2,250
Substandard (risk rating 7)			145			—			—			69			—			—			—			—			214
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Construction			36,623			22,629			28,657			7,939			1,356			2,513			—			—			99,717
Current period gross write-offs			—			—			—			—			—			—			—			—			—
C&I
Pass (risk rating 1-5)			69,543			50,204			45,986			39,217			14,958			25,284			114,567			778			360,537
Special Mention (risk rating 6)			25			15			561			478			723			—			900			—			2,702
Substandard (risk rating 7)			473			1,227			356			30			15			19			200			—			2,320
Doubtful (risk rating 8)			—			—			—			—			—			258			—			—			258
Total C&I			70,041			51,446			46,903			39,725			15,696			25,561			115,667			778			365,817
Current period gross write-offs			—			(128)			(39)			(72)			(47)			(165)			—			—			(451)
Multifamily
Pass (risk rating 1-5)			14,048			13,102			33,558			17,335			14,483			12,152			781			—			105,459
Special Mention (risk rating 6)			—			—			—			—			—			—			—			—			—
Substandard (risk rating 7)			—			—			1,020			1,341			912			—			—			—			3,273
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Multifamily			14,048			13,102			34,578			18,676			15,395			12,152			781			—			108,732
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Agriculture
Pass (risk rating 1-5)			11,694			2,749			5,790			3,835			14,651			6,023			4,546			215			49,503
Special Mention (risk rating 6)			—			474			—			52			—			152			600			—			1,278
Substandard (risk rating 7)			—			75			731			30			—			602			—			—			1,438
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Agriculture			11,694			3,298			6,521			3,917			14,651			6,777			5,146			215			52,219
Current period gross write-offs			—			—			—			—			—			—			—			—			—

			Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term			Total
As of December 31, 2024
Municipal
Pass (risk rating 1-5)			9,503			18,642			4,017			3,822			8,498			17,345			—			—			61,827
Special Mention (risk rating 6)			—			—			—			—			—			—			—			—			—
Substandard (risk rating 7)			—			—			—			—			—			—			—			—			—
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Municipal			9,503			18,642			4,017			3,822			8,498			17,345			—			—			61,827
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Residential
Term
Performing			56,378			94,816			148,877			130,413			84,028			192,466			2,109			121			709,208
Non-performing			—			—			297			257			380			665			—			—			1,599
Total Term			56,378			94,816			149,174			130,670			84,408			193,131			2,109			121			710,807
Current period gross write-offs			—			—			—			—			—			(37)			—			—			(37)
Construction
Performing			26,386			7,487			925			—			683			—			—			—			35,481
Non-performing			—			—			—			—			—			—			—			—			—
Total Construction			26,386			7,487			925			—			683			—			—			—			35,481
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Home Equity Revolving and Term
Performing			12,449			8,917			8,310			1,894			1,021			1,857			79,132			9,192			122,772
Non-performing			—			—			—			—			—			96			15			180			291
Total Home Equity Revolving and Term			12,449			8,917			8,310			1,894			1,021			1,953			79,147			9,372			123,063
Current period gross write-offs			—			—			—			—			—			(7)			—			—			(7)
Consumer
Performing			3,146			2,438			1,218			734			1,114			5,805			6,335			—			20,790
Non-performing			—			—			—			—			—			—			—			—			—
Total Consumer			3,146			2,438			1,218			734			1,114			5,805			6,335			—			20,790
Current period gross write-offs			(13)			(53)			(72)			(39)			(20)			(55)			—			—			(252)
Total loans			$	321,530		$	318,046		$	435,131		$	360,943		$	215,046		$	445,909		$	231,203		$	13,132		$	2,340,940

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of March 31, 2024:

			Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term			Total
As of March 31, 2024
Commercial
Real estate owner occupied
Pass (risk rating 1-5)			$	10,565		$	66,273		$	75,952		$	40,501		$	28,584		$	85,709		$	10,728		$	—		$	318,312
Special Mention (risk rating 6)			—			1,903			—			—			—			6,428			50			—			8,381
Substandard (risk rating 7)			—			283			—			—			—			520			—			—			803
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Real Estate Owner Occupied			10,565			68,459			75,952			40,501			28,584			92,657			10,778			—			327,496
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Real estate non-owner occupied
Pass (risk rating 1-5)			2,669			34,878			76,822			124,788			47,560			107,295			5,646			—			399,658
Special Mention (risk rating 6)			—			—			—			—			—			—			—			—			—
Substandard (risk rating 7)			—			—			—			—			—			—			—			—			—
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Real Estate Non-Owner Occupied			2,669			34,878			76,822			124,788			47,560			107,295			5,646			—			399,658
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Construction
Pass (risk rating 1-5)			4,032			30,768			37,898			8,592			1,529			2,929			—			—			85,748
Special Mention (risk rating 6)			—			—			—			69			—			—			—			—			69
Substandard (risk rating 7)			—			—			—			—			—			—			—			—			—
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Construction			4,032			30,768			37,898			8,661			1,529			2,929			—			—			85,817
Current period gross write-offs			—			—			—			—			—			—			—			—			—
C&I
Pass (risk rating 1-5)			14,720			41,357			52,070			45,491			17,868			28,896			89,309			859			290,570
Special Mention (risk rating 6)			—			23,905			146			296			390			3,166			2,805			—			30,708
Substandard (risk rating 7)			—			—			361			54			—			34			128			—			577
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total C&I			14,720			65,262			52,577			45,841			18,258			32,096			92,242			859			321,855
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Multifamily
Pass (risk rating 1-5)			4,517			12,360			34,562			17,855			14,913			13,319			530			—			98,056
Special Mention (risk rating 6)			—			—			1,020			—			912			—			—			—			1,932
Substandard (risk rating 7)			—			—			—			1,356			—			—			—			—			1,356
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Multifamily			4,517			12,360			35,582			19,211			15,825			13,319			530			—			101,344
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Agriculture
Pass (risk rating 1-5)			4,330			3,738			7,534			4,325			15,357			7,974			670			234			44,162
Special Mention (risk rating 6)			21			—			—			—			—			—			600			—			621
Substandard (risk rating 7)			—			87			—			33			—			161			—			—			281
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Agriculture			4,351			3,825			7,534			4,358			15,357			8,135			1,270			234			45,064
Current period gross write-offs			—			—			—			—			—			—			—			—			—

			Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands			2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis			Revolving Loans Converted to Term			Total
As of March 31, 2024
Municipal
Pass (risk rating 1-5)			2,420			21,146			4,714			4,335			9,770			12,361			—			—			54,746
Special Mention (risk rating 6)			—			—			—			—			—			—			—			—			—
Substandard (risk rating 7)			—			—			—			—			—			—			—			—			—
Doubtful (risk rating 8)			—			—			—			—			—			—			—			—			—
Total Municipal			2,420			21,146			4,714			4,335			9,770			12,361			—			—			54,746
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Residential
Term
Performing			10,439			64,948			157,400			138,399			91,824			209,986			3,011			127			676,134
Non-performing			—			—			299			269			404			987			—			—			1,959
Total Term			10,439			64,948			157,699			138,668			92,228			210,973			3,011			127			678,093
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Construction
Performing			1,329			29,910			2,246			—			1,339			—			—			—			34,824
Non-performing			—			—			—			—			—			—			—			—			—
Total Construction			1,329			29,910			2,246			—			1,339			—			—			—			34,824
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Home Equity Revolving and Term
Performing			3,594			10,114			9,134			2,007			1,175			2,166			66,901			10,419			105,510
Non-performing			—			—			—			—			—			104			18			182			304
Total Home Equity Revolving and Term			3,594			10,114			9,134			2,007			1,175			2,270			66,919			10,601			105,814
Current period gross write-offs			—			—			—			—			—			—			—			—			—
Consumer
Performing			775			3,347			1,806			1,055			1,625			4,724			5,703			—			19,035
Non-performing			—			—			—			—			—			—			—			—			—
Total Consumer			775			3,347			1,806			1,055			1,625			4,724			5,703			—			19,035
Current period gross write-offs			—			(11)			(41)			(21)			(5)			(18)			—			—			(96)
Total loans			$	59,411		$	345,017		$	461,964		$	389,425		$	233,250		$	486,759		$	186,099		$	11,821		$	2,173,746

Schedule of Allowance for Loan Losses Transactions

The following table presents ACL activity by class for the three months ended March 31, 2025:

Dollars in thousands			Commercial																		Municipal			Residential						Home Equity			Consumer			Total
			Real Estate Owner Occupied			Real Estate Non-Owner Occupied			Construction			C&I			Multifamily			Agriculture						Term			Construction			Revolving and term
For the three months ended March 31, 2025
Beginning balance			$	5,045		$	4,829		$	944		$	5,364		$	1,239		$	605		$	262		$	5,241		$	474		$	686		$	182		$	24,871
Charge offs			—			—			—			(146)			—			—			—			(1)			—			—			(61)			(208)
Recoveries			—			—			—			26			—			—			—			2			—			2			25			55
Credit loss (reduction) expense			144			41			(325)			255			216			(18)			(27)			18			(9)			63			38			396
Ending balance			$	5,189		$	4,870		$	619		$	5,499		$	1,455		$	587		$	235		$	5,260		$	465		$	751		$	184		$	25,114

The following table presents ACL activity by class for the year ended December 31, 2024:

Dollars in thousands			Commercial																		Municipal			Residential						Home Equity			Consumer			Total
			Real Estate Owner Occupied			Real Estate Non-Owner Occupied			Construction			C&I			Multifamily			Agriculture						Term			Construction			Revolving and term
For the year ended December 31, 2024
Beginning balance			$	4,633		$	4,285		$	1,978		$	5,001		$	1,318		$	—		$	334		$	4,991		$	618		$	626		$	246		$	24,030
Charge offs			—			—			—			(451)			—			—			—			(37)			—			(7)			(252)			(747)
Recoveries			100			—			—			25			—			—			—			32			—			24			103			284
Credit loss (reduction) expense			312			544			(1,034)			789			(79)			605			(72)			255			(144)			43			85			1,304
Ending balance			$	5,045		$	4,829		$	944		$	5,364		$	1,239		$	605		$	262		$	5,241		$	474		$	686		$	182		$	24,871

The following table presents ACL activity by class for the three months ended March 31, 2024:

Dollars in thousands			Commercial																		Municipal			Residential						Home Equity			Consumer			Total
			Real Estate Owner Occupied			Real Estate Non-Owner Occupied			Construction			C&I			Multifamily			Agriculture						Term			Construction			Revolving and term
For the three months ended March 31, 2024
Beginning balance			$	4,633		$	4,285		$	1,978		$	5,001		$	1,318		$	—		$	334		$	4,991		$	618		$	626		$	246		$	24,030
Charge offs			—			—			—			—			—			—			—			—			—			—			(96)			(96)
Recoveries			100			—			—			23			—			—			—			25			—			3			23			174
Credit loss (reduction) expense			447			(20)			(1,158)			59			189			392			(140)			338			(56)			48			—			99
Ending balance			$	5,180		$	4,265		$	820		$	5,083		$	1,507		$	392		$	194		$	5,354		$	562		$	677		$	173		$	24,207

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Tabular disclosure of allowance for credit loss on financing receivable.

+ References

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-Topic 310
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+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
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-Section 50
-Paragraph 5
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