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v3.23.2

Loans and Allowance for Credit Losses - Changes in Allowance for Loan Losses (Details) - USD ($) | 3 Months Ended | 6 Months Ended
--- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022
Total allowance for loan losses |  |  |  |
Beginning Balance | $ 12,034,000 | $ 9,987,000 | $ 11,985,000 | $ 9,855,000
Provision (Reversal) of Credit Losses | 2,675,000 | 2,913,000 | 5,343,000 | 5,860,000
Charge-Offs | (2,722,000) | (2,662,000) | (5,887,000) | (5,571,000)
Recoveries | 334,000 | 364,000 | 623,000 | 458,000
Ending Balance | 12,321,000 | 10,602,000 | 12,321,000 | 10,602,000
Unfunded lending commitments |  |  |  |
Beginning Balance | 29,000 |  | 0 |
Provision (Reversal) of Credit Losses | 13,000 |  | 16,000 |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 41,500 |  | 41,500 |
Total allowance for credit losses |  |  |  |
Beginning Balance | 12,063,000 |  | 11,985,000 |
Provision (Reversal) of Credit Losses | 2,688,000 |  | 5,359,000 |
Charge-Offs | (2,722,000) |  | (5,887,000) |
Recoveries | 334,000 |  | 623,000 |
Ending Balance | 12,363,000 |  | 12,363,000 |
Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | 257,000 |
Unfunded lending commitments |  |  |  |
Beginning Balance |  |  | 26,000 |
Total allowance for credit losses |  |  |  |
Beginning Balance |  |  | 283,000 |
Construction and land development |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 285,000 |  | 424,000 |
Provision (Reversal) of Credit Losses | (6,000) |  | (78,000) |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 279,000 |  | 279,000 |
Construction and land development | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (67,000) |
Residential real estate |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 799,000 | 411,000 | 876,000 | 352,000
Provision (Reversal) of Credit Losses | (51,000) | 4,000 | (73,000) | 63,000
Charge-Offs | (121,000) | 0 | (121,000) | 0
Recoveries | 81,000 | 0 | 84,000 | 0
Ending Balance | 708,000 | 415,000 | 708,000 | 415,000
Residential real estate | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (58,000) |
Residential real estate multifamily |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 5,000 |  | 3,000 |
Provision (Reversal) of Credit Losses | 1,000 |  | 2,000 |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 6,000 |  | 6,000 |
Residential real estate multifamily | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | 1,000 |
Commercial real estate |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 3,034,000 | 21,000 | 3,238,000 | 21,000
Provision (Reversal) of Credit Losses | 133,000 | 1,000 | 625,000 | 1,000
Charge-Offs | 0 | 0 | (122,000) | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 3,167,000 | 22,000 | 3,167,000 | 22,000
Commercial real estate | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (574,000) |
Commercial and industrial |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 277,000 |  | 339,000 |
Provision (Reversal) of Credit Losses | 75,000 |  | 114,000 |
Charge-Offs | (66,000) |  | (84,000) |
Recoveries | 1,000 |  | 3,000 |
Ending Balance | 287,000 |  | 287,000 |
Commercial and industrial | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (85,000) |
Consumer |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 82,000 | 62,000 | 65,000 | 62,000
Provision (Reversal) of Credit Losses | 27,000 | 3,000 | 30,000 | 3,000
Charge-Offs | (19,000) | 0 | (19,000) | 0
Recoveries | 0 | 0 | 0 | 0
Ending Balance | 90,000 | 65,000 | 90,000 | 65,000
Consumer | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | 14,000 |
Lease financing receivables |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 325,000 |  | 339,000 |
Provision (Reversal) of Credit Losses | 203,000 |  | 294,000 |
Charge-Offs | 0 |  | 0 |
Recoveries | 0 |  | 0 |
Ending Balance | 528,000 |  | 528,000 |
Lease financing receivables | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | (105,000) |
Retained Strategic Program loans |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance | 7,227,000 | 6,322,000 | 6,701,000 | 6,549,000
Provision (Reversal) of Credit Losses | 2,293,000 | 2,365,000 | 4,429,000 | 4,923,000
Charge-Offs | (2,516,000) | (2,560,000) | (5,541,000) | (5,438,000)
Recoveries | 252,000 | 315,000 | 536,000 | 408,000
Ending Balance | $ 7,256,000 | 6,442,000 | 7,256,000 | 6,442,000
Retained Strategic Program loans | Impact of ASU 2016-13 adoption |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  |  | $ 1,131,000 |
SBA |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  | 3,064,000 |  | 2,739,000
Provision (Reversal) of Credit Losses |  | 374,000 |  | 730,000
Charge-Offs |  | (102,000) |  | (133,000)
Recoveries |  | 48,000 |  | 48,000
Ending Balance |  | 3,384,000 |  | 3,384,000
Commercial, non-real estate |  |  |  |
Total allowance for loan losses |  |  |  |
Beginning Balance |  | 107,000 |  | 132,000
Provision (Reversal) of Credit Losses |  | 166,000 |  | 140,000
Charge-Offs |  | 0 |  | 0
Recoveries |  | 1,000 |  | 2,000
Ending Balance |  | $ 274,000 |  | $ 274,000

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- Definition Financing Receivable, Allowance for Credit Loss, Excluding Accrued Interest and Off-Balance-Sheet, Credit Loss, Liability, Charge-Off + References No definition available. + Details
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