XML 97 R77.htm IDEA: XBRL DOCUMENT v3.25.0.1
Allowance for Credit Losses - Loan Rating and Year of Origination (Details) - USD ($)
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Term Loans Amortized Cost Basis by Origination Year      
Loans, gross $ 1,920,398,000 $ 1,742,139,000 $ 1,635,718,000
Commercial and consumer loan portfolio      
Term Loans Amortized Cost Basis by Origination Year      
2024 281,353,000 225,488,000  
2023 218,665,000 287,252,000  
2022 285,203,000 234,752,000  
2021 185,661,000 187,479,000  
2020 168,717,000 64,335,000  
Prior 230,059,000 204,500,000  
Revolving Loans Recorded Balance 83,329,000 68,946,000  
Revolving Loans Converted to Term 618,000 877,000  
Loans, gross 1,453,605,000 1,273,629,000  
Commercial and consumer loan portfolio | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 281,228,000 225,426,000  
2023 217,775,000 287,252,000  
2022 285,111,000 229,021,000  
2021 185,438,000 187,376,000  
2020 168,614,000 64,259,000  
Prior 228,620,000 203,065,000  
Revolving Loans Recorded Balance 83,329,000 68,946,000  
Revolving Loans Converted to Term 456,000 724,000  
Loans, gross 1,450,571,000 1,266,069,000  
Commercial and consumer loan portfolio | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
2024   62,000  
2023 890,000    
2022   5,731,000  
2021 223,000    
2020 103,000    
Prior 1,151,000 1,003,000  
Revolving Loans Converted to Term 76,000 85,000  
Loans, gross 2,443,000 6,881,000  
Commercial and consumer loan portfolio | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2021   103,000  
2020   5,000  
Prior 172,000 165,000  
Revolving Loans Converted to Term 86,000    
Loans, gross 258,000 273,000  
Commercial and consumer loan portfolio | Substandard Nonaccrual      
Term Loans Amortized Cost Basis by Origination Year      
2024 125,000    
2022 92,000    
2020   71,000  
Prior 116,000 267,000  
Revolving Loans Converted to Term   68,000  
Loans, gross 333,000 406,000  
Commercial real estate      
Term Loans Amortized Cost Basis by Origination Year      
2024 91,330,000 81,324,000  
2023 80,445,000 125,278,000  
2022 161,794,000 161,536,000  
2021 131,071,000 121,365,000  
2020 110,055,000 37,383,000  
Prior 159,377,000 141,117,000  
Revolving Loans Converted to Term 110,000 119,000  
Loans, gross 734,182,000 668,122,000  
Commercial real estate | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 91,330,000 81,324,000  
2023 80,445,000 125,278,000  
2022 161,794,000 155,805,000  
2021 131,071,000 121,365,000  
2020 110,055,000 37,383,000  
Prior 158,437,000 140,158,000  
Revolving Loans Converted to Term 110,000 119,000  
Loans, gross 733,242,000 661,432,000  
Commercial real estate | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
2022   5,731,000  
Prior 940,000 959,000  
Loans, gross 940,000 6,690,000  
Commercial business      
Term Loans Amortized Cost Basis by Origination Year      
2024 9,425,000 18,744,000  
2023 13,097,000 18,190,000  
2022 14,663,000 17,219,000  
2021 13,954,000 12,062,000  
2020 8,843,000 14,847,000  
Prior 22,690,000 15,339,000  
Revolving Loans Recorded Balance 22,206,000 18,686,000  
Revolving Loans Converted to Term 69,000 261,000  
Loans, gross 104,947,000 115,348,000  
Revolving Loans Converted to Term During The Period 69,000    
Commercial business | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 9,425,000 18,682,000  
2023 13,097,000 18,190,000  
2022 14,663,000 17,219,000  
2021 13,954,000 12,062,000  
2020 8,843,000 14,847,000  
Prior 22,690,000 15,339,000  
Revolving Loans Recorded Balance 22,206,000 18,686,000  
Revolving Loans Converted to Term 69,000 261,000  
Loans, gross 104,947,000 115,286,000  
Commercial business | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
2024   62,000  
Loans, gross   62,000  
Construction - commercial real estate      
Term Loans Amortized Cost Basis by Origination Year      
2024 47,294,000 29,346,000  
2023 55,159,000 36,907,000  
2022 24,320,000    
2021   3,515,000  
2020 5,944,000    
Loans, gross 132,717,000 69,768,000  
Construction - commercial real estate | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 47,294,000 29,346,000  
2023 55,159,000 36,907,000  
2022 24,320,000    
2021   3,515,000  
2020 5,944,000    
Loans, gross 132,717,000 69,768,000  
Land acquisition and development      
Term Loans Amortized Cost Basis by Origination Year      
2024 33,129,000 4,562,000  
2023 2,653,000 4,665,000  
2022 366,000 9,844,000  
2021 1,323,000 9,993,000  
2020 8,601,000    
Loans, gross 46,072,000 29,064,000  
Land acquisition and development | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 33,129,000 4,562,000  
2023 2,653,000 4,665,000  
2022 366,000 9,844,000  
2021 1,323,000 9,993,000  
2020 8,601,000    
Loans, gross 46,072,000 29,064,000  
Builder lines      
Term Loans Amortized Cost Basis by Origination Year      
2024 30,651,000 17,919,000  
2023 3,120,000 5,124,000  
2022 1,430,000 1,221,000  
2020   404,000  
Prior 404,000    
Loans, gross 35,605,000 24,668,000  
Builder lines | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 30,651,000 17,919,000  
2023 3,120,000 5,124,000  
2022 1,430,000 1,221,000  
2020   404,000  
Prior 404,000    
Loans, gross 35,605,000 24,668,000  
Construction - consumer real estate      
Term Loans Amortized Cost Basis by Origination Year      
2024 16,472,000 7,889,000  
2023 2,327,000 3,240,000  
Revolving Loans Recorded Balance   94,000  
Loans, gross 18,799,000 11,223,000  
Construction - consumer real estate | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 16,472,000 7,889,000  
2023 2,327,000 3,240,000  
Revolving Loans Recorded Balance   94,000  
Loans, gross 18,799,000 11,223,000  
Residential mortgage      
Term Loans Amortized Cost Basis by Origination Year      
2024 47,778,000 59,441,000  
2023 59,480,000 91,086,000  
2022 81,083,000 44,292,000  
2021 39,056,000 40,192,000  
2020 35,082,000 11,586,000  
Prior 46,330,000 46,659,000  
Loans, gross 308,809,000 293,256,000  
Residential mortgage | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 47,653,000 59,441,000  
2023 58,590,000 91,086,000  
2022 80,991,000 44,292,000  
2021 38,833,000 40,089,000  
2020 34,979,000 11,524,000  
Prior 45,831,000 46,192,000  
Loans, gross 306,877,000 292,624,000  
Residential mortgage | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
2023 890,000    
2021 223,000    
2020 103,000    
Prior 211,000 44,000  
Loans, gross 1,427,000 44,000  
Residential mortgage | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2021   103,000  
Prior 172,000 165,000  
Loans, gross 172,000 268,000  
Residential mortgage | Substandard Nonaccrual      
Term Loans Amortized Cost Basis by Origination Year      
2024 125,000    
2022 92,000    
2020   62,000  
Prior 116,000 258,000  
Loans, gross 333,000 320,000  
Equity lines      
Term Loans Amortized Cost Basis by Origination Year      
2022   34,000  
2021   70,000  
2020 60,000 5,000  
Prior 628,000 866,000  
Revolving Loans Recorded Balance 61,077,000 50,120,000  
Revolving Loans Converted to Term 439,000 497,000  
Loans, gross 62,204,000 51,592,000  
Revolving Loans Converted to Term During The Period 179,000    
Equity lines | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2022   34,000  
2021   70,000  
2020 60,000    
Prior 628,000 857,000  
Revolving Loans Recorded Balance 61,077,000 50,120,000  
Revolving Loans Converted to Term 277,000 344,000  
Loans, gross 62,042,000 51,425,000  
Equity lines | Special Mention      
Term Loans Amortized Cost Basis by Origination Year      
Revolving Loans Converted to Term 76,000 85,000  
Loans, gross 76,000 85,000  
Equity lines | Substandard      
Term Loans Amortized Cost Basis by Origination Year      
2020   5,000  
Revolving Loans Converted to Term 86,000    
Loans, gross 86,000 5,000  
Equity lines | Substandard Nonaccrual      
Term Loans Amortized Cost Basis by Origination Year      
Prior   9,000  
Revolving Loans Converted to Term   68,000  
Loans, gross   77,000  
Other consumer      
Term Loans Amortized Cost Basis by Origination Year      
2024 5,274,000 6,263,000  
2023 2,384,000 2,762,000  
2022 1,547,000 606,000  
2021 257,000 282,000  
2020 132,000 110,000  
Prior 630,000 519,000  
Revolving Loans Recorded Balance 46,000 46,000  
Loans, gross 10,270,000 10,588,000  
Other consumer | Pass      
Term Loans Amortized Cost Basis by Origination Year      
2024 5,274,000 6,263,000  
2023 2,384,000 2,762,000  
2022 1,547,000 606,000  
2021 257,000 282,000  
2020 132,000 101,000  
Prior 630,000 519,000  
Revolving Loans Recorded Balance 46,000 46,000  
Loans, gross $ 10,270,000 10,579,000  
Other consumer | Substandard Nonaccrual      
Term Loans Amortized Cost Basis by Origination Year      
2020   9,000  
Loans, gross   $ 9,000