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v3.23.2

Note 5 - Loans and Leases - Change in Allowance (Details) - USD ($) $ in Thousands | 3 Months Ended | 6 Months Ended | 12 Months Ended
--- | --- | --- | ---
Jun. 30, 2023 | Jun. 30, 2022 | Jun. 30, 2023 | Jun. 30, 2022 | Dec. 31, 2022
Beginning balance | $ 17,910 |  | $ 16,081 | $ 17,149 |  | $ 15,624 | $ 15,624 |
Initial allowance on loans purchased with credit deterioration |  |  |  | 126 |  |  |  |
Charge-offs | (293) |  | (73) | (597) |  | (168) | (815) |
Recoveries | 58 |  | 57 | 199 |  | 84 | 240 |
Provision for credit losses on loans | 675 |  | 525 | 855 |  | 1,050 |  |
Ending balance | 18,350 |  | 16,590 | 18,350 |  | 16,590 | 17,149 |
Ending balance: individually evaluated | 295 |  |  | 295 |  |  | 161 |
Ending balance: collectively evaluated | 18,055 |  |  | 18,055 |  |  | 16,988 |
Financing Receivable, before Allowance for Credit Loss | 1,629,664 | [1],[2] |  | 1,629,664 | [1],[2] |  | 1,564,174 | [3],[4]
Ending balance: individually evaluated | 8,563 |  |  | 8,563 |  |  | 3,868 |
Ending balance: collectively evaluated | 1,621,101 |  |  | 1,621,101 |  |  | 1,560,306 |
Provision | 675 |  | 525 |  |  | 1,050 | 2,100 |
Ending balance: individually evaluated for impairment | 295 |  |  | 295 |  |  | 161 |
Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 618 |  |  |  |
Ending balance |  |  |  |  |  |  | 618 |
Commercial Portfolio Segment [Member] |  |  |  |  |  |  |  |
Beginning balance | 2,550 |  | 2,780 | 2,924 |  | 2,204 | 2,204 |
Initial allowance on loans purchased with credit deterioration |  |  |  | 0 |  |  |  |
Charge-offs | (150) |  | (31) | (320) |  | (31) | (371) |
Recoveries | 1 |  | 2 | 22 |  | 4 | 11 |
Provision for credit losses on loans |  |  |  | (543) |  |  |  |
Ending balance | 2,361 |  | 2,745 | 2,361 |  | 2,745 | 2,924 |
Ending balance: individually evaluated | 16 |  |  | 16 |  |  | 48 |
Ending balance: collectively evaluated | 2,345 |  |  | 2,345 |  |  | 2,876 |
Financing Receivable, before Allowance for Credit Loss | 212,182 | [1] |  | 212,182 | [1] |  | 234,478 | [3]
Ending balance: individually evaluated | 668 |  |  | 668 |  |  | 719 |
Ending balance: collectively evaluated | 211,514 |  |  | 211,514 |  |  | 233,759 |
Provision | (40) |  | (6) |  |  | 568 | 1,080 |
Ending balance: individually evaluated for impairment | 16 |  |  | 16 |  |  | 48 |
Commercial Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 278 |  |  |  |
Ending balance |  |  |  |  |  |  | 278 |
Commercial Real Estate Portfolio Segment [Member] |  |  |  |  |  |  |  |
Beginning balance | 8,157 |  | 6,822 | 7,162 |  | 7,422 | 7,422 |
Initial allowance on loans purchased with credit deterioration |  |  |  | 126 |  |  |  |
Charge-offs | 0 |  | 0 | (32) |  | (1) | (67) |
Recoveries | 2 |  | 19 | 41 |  | 28 | 153 |
Provision for credit losses on loans |  |  |  | 525 |  |  |  |
Ending balance | 8,578 |  | 6,963 | 8,578 |  | 6,963 | 7,162 |
Ending balance: individually evaluated | 219 |  |  | 219 |  |  | 112 |
Ending balance: collectively evaluated | 8,359 |  |  | 8,359 |  |  | 7,050 |
Financing Receivable, before Allowance for Credit Loss | 648,613 | [1] |  | 648,613 | [1] |  | 606,618 | [3]
Ending balance: individually evaluated | 7,000 |  |  | 7,000 |  |  | 2,782 |
Ending balance: collectively evaluated | 641,613 |  |  | 641,613 |  |  | 603,836 |
Provision | 419 |  | 122 |  |  | (486) | (346) |
Ending balance: individually evaluated for impairment | 219 |  |  | 219 |  |  | 112 |
Commercial Real Estate Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 756 |  |  |  |
Ending balance |  |  |  |  |  |  | 756 |
Consumer Portfolio Segment [Member] |  |  |  |  |  |  |  |
Beginning balance | 2,448 |  | 2,547 | 2,827 |  | 2,404 | 2,404 |
Initial allowance on loans purchased with credit deterioration |  |  |  | 0 |  |  |  |
Charge-offs | (143) |  | (42) | (245) |  | (136) | (377) |
Recoveries | 55 |  | 36 | 126 |  | 50 | 74 |
Provision for credit losses on loans |  |  |  | 353 |  |  |  |
Ending balance | 2,514 |  | 2,770 | 2,514 |  | 2,770 | 2,827 |
Ending balance: individually evaluated | 56 |  |  | 56 |  |  | 1 |
Ending balance: collectively evaluated | 2,458 |  |  | 2,458 |  |  | 2,826 |
Financing Receivable, before Allowance for Credit Loss | 290,966 | [1],[5] |  | 290,966 | [1],[5] |  | 282,710 | [3],[6]
Ending balance: individually evaluated | 286 |  |  | 286 |  |  | 364 |
Ending balance: collectively evaluated | 290,680 |  |  | 290,680 |  |  | 282,346 |
Provision | 154 |  | 229 |  |  | 452 | 726 |
Ending balance: individually evaluated for impairment | 56 |  |  | 56 |  |  | 1 |
Consumer Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Beginning balance |  |  |  | (547) |  |  |  |
Ending balance |  |  |  |  |  |  | (547) |
Residential Portfolio Segment [Member] |  |  |  |  |  |  |  |
Beginning balance | 4,683 |  | 3,851 | 4,169 |  | 3,508 | 3,508 |
Initial allowance on loans purchased with credit deterioration |  |  |  | 0 |  |  |  |
Charge-offs | 0 |  | 0 | 0 |  | 0 | 0 |
Recoveries | 0 |  | 0 | 10 |  | 2 | 2 |
Provision for credit losses on loans |  |  |  | 470 |  |  |  |
Ending balance | 4,847 |  | 4,037 | 4,847 |  | 4,037 | 4,169 |
Ending balance: individually evaluated | 4 |  |  | 4 |  |  | 0 |
Ending balance: collectively evaluated | 4,843 |  |  | 4,843 |  |  | 4,169 |
Financing Receivable, before Allowance for Credit Loss | 477,903 | [1] |  | 477,903 | [1] |  | 440,368 | [3]
Ending balance: individually evaluated | 609 |  |  | 609 |  |  | 3 |
Ending balance: collectively evaluated | 477,294 |  |  | 477,294 |  |  | 440,365 |
Provision | 164 |  | 186 |  |  | 527 | 659 |
Ending balance: individually evaluated for impairment | 4 |  |  | 4 |  |  | 0 |
Residential Portfolio Segment [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Beginning balance |  |  |  | 198 |  |  |  |
Ending balance |  |  |  |  |  |  | 198 |
Unallocated Financing Receivables [Member] |  |  |  |  |  |  |  |
Beginning balance | 72 |  | 81 | 67 |  | 86 | 86 |
Initial allowance on loans purchased with credit deterioration |  |  |  | 0 |  |  |  |
Charge-offs | 0 |  | 0 | 0 |  | 0 | 0 |
Recoveries | 0 |  | 0 | 0 |  | 0 | 0 |
Provision for credit losses on loans |  |  |  | 50 |  |  |  |
Ending balance | 50 |  | 75 | 50 |  | 75 | 67 |
Ending balance: individually evaluated | 0 |  |  | 0 |  |  | 0 |
Ending balance: collectively evaluated | 50 |  |  | 50 |  |  | 67 |
Financing Receivable, before Allowance for Credit Loss | 0 | [1] |  | 0 | [1] |  | 0 | [3]
Ending balance: individually evaluated | 0 |  |  | 0 |  |  | 0 |
Ending balance: collectively evaluated | 0 |  |  | 0 |  |  | 0 |
Provision | (22) |  | $ (6) |  |  | $ (11) | (19) |
Ending balance: individually evaluated for impairment | $ 0 |  |  | 0 |  |  | 0 |
Unallocated Financing Receivables [Member] | Cumulative Effect, Period of Adoption, Adjustment [Member] |  |  |  |  |  |  |  |
Beginning balance |  |  |  | $ (67) |  |  |  |
Ending balance |  |  |  |  |  |  | $ (67) |
[1] | Includes $4.9 million of net deferred loan costs.
[2] | Includes net deferred loan costs of $4.9 million.
[3] | Includes $4.6 million of net deferred loan costs.
[4] | Includes net deferred loan costs of $4.6 million.
[5] | Net of unearned lease revenue of $1.9 million
[6] | Net of unearned lease revenue of $1.7 million.

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