XML 36 R26.htm IDEA: XBRL DOCUMENT v3.25.1

Loans (Tables)

3 Months Ended

Mar. 31, 2025

Loans

Summary of classes of loans

​

​	​	​	​	​	​	​
​	​	March 31,		​	December 31,
(Dollars in thousands)		2025			2024
Commercial real estate	​	$	758,310	​	$	734,182
Commercial business	​		106,844	​		104,947
Construction - commercial real estate	​		121,140	​		132,717
Land acquisition and development	​		46,042	​		46,072
Builder lines	​		42,720	​		35,605
Construction - consumer real estate	​	​	21,188	​	​	18,799
Residential mortgage	​	​	308,549	​	​	308,809
Equity lines	​	​	66,440	​	​	62,204
Other consumer	​	​	9,957	​	​	10,270
Consumer finance - automobiles	​	​	396,590	​	​	398,651
Consumer finance - marine and recreational vehicles	​		65,546	​		68,142
Subtotal	​		1,943,326	​		1,920,398
Less allowance for credit losses	​		(40,043)	​		(40,087)
Loans, net	​	$	1,903,283	​	$	1,880,311

Schedule of past due status of loans

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

30-59

​

60-89

​

90+

​

​

​

​

​

​

​

​

​

​

90+ Days

​

​

Days

​

Days

​

Days

​

Total

​

​

​

​

​

​

​

Past Due and

(Dollars in thousands)

Past Due

​

Past Due

​

Past Due

​

Past Due

​

Current1

​

Total Loans

​

Accruing

Commercial real estate

​

$

—

​

$

21

​

$

—

​

$

21

​

$

758,289

​

$

758,310

​

$

—

Commercial business

​

10

​

​

—

​

​

—

​

​

10

​

​

106,834

​

​

106,844

​

​

—

Construction - commercial real estate

​

—

​

​

—

​

​

—

​

​

—

​

​

121,140

​

​

121,140

​

​

—

Land acquisition and development

​

—

​

​

—

​

​

—

​

​

—

​

​

46,042

​

​

46,042

​

​

—

Builder lines

​

—

​

​

—

​

​

—

​

​

—

​

​

42,720

​

​

42,720

​

​

—

Construction - consumer real estate

​

​

—

​

​

—

​

​

—

​

​

—

​

​

21,188

​

​

21,188

​

​

—

Residential mortgage

​

​

1,694

​

​

—

​

​

1,066

​

​

2,760

​

​

305,789

​

​

308,549

​

​

111

Equity lines

​

​

328

​

​

—

​

​

—

​

​

328

​

​

66,112

​

​

66,440

​

​

—

Other consumer

​

​

—

​

​

—

​

​

—

​

​

—

​

​

9,957

​

​

9,957

​

​

—

Consumer finance - automobiles

​

​

11,438

​

​

1,437

​

​

911

​

​

13,786

​

​

382,804

​

​

396,590

​

​

—

Consumer finance - marine and recreational vehicles

​

99

​

​

139

​

​

64

​

​

302

​

​

65,244

​

​

65,546

​

​

—

Total

​

$

13,569

​

$

1,597

​

$

2,041

​

$

17,207

​

$

1,926,119

​

$

1,943,326

​

$

111

1 For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

30-59

​

60-89

​

90+

​

​

​

​

​

​

​

​

​

​

90+ Days

​

​

Days

​

Days

​

Days

​

Total

​

​

​

​

​

​

​

Past Due and

(Dollars in thousands)

Past Due

​

Past Due

​

Past Due

​

Past Due

​

Current1

​

Total Loans

​

Accruing

Commercial real estate

​

$

26

​

$

—

​

$

—

​

$

26

​

$

734,156

​

$

734,182

​

$

—

Commercial business

​

29

​

​

—

​

​

—

​

​

29

​

​

104,918

​

​

104,947

​

​

—

Construction - commercial real estate

​

—

​

​

—

​

​

—

​

​

—

​

​

132,717

​

​

132,717

​

​

—

Land acquisition and development

​

—

​

​

—

​

​

—

​

​

—

​

​

46,072

​

​

46,072

​

​

—

Builder lines

​

—

​

​

—

​

​

—

​

​

—

​

​

35,605

​

​

35,605

​

​

—

Construction - consumer real estate

​

​

747

​

​

—

​

​

—

​

​

747

​

​

18,052

​

​

18,799

​

​

—

Residential mortgage

​

​

1,012

​

​

1,076

​

​

426

​

​

2,514

​

​

306,295

​

​

308,809

​

​

334

Equity lines

​

​

85

​

​

—

​

​

76

​

​

161

​

​

62,043

​

​

62,204

​

​

76

Other consumer

​

​

9

​

​

—

​

​

—

​

​

9

​

​

10,261

​

​

10,270

​

​

—

Consumer finance - automobiles

​

​

14,703

​

​

2,650

​

​

599

​

​

17,952

​

​

380,699

​

​

398,651

​

​

—

Consumer finance - marine and recreational vehicles

​

215

​

​

22

​

​

15

​

​

252

​

​

67,890

​

​

68,142

​

​

—

Total

​

$

16,826

​

$

3,748

​

$

1,116

​

$

21,690

​

$

1,898,708

​

$

1,920,398

​

$

410

1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

Schedule of loans on nonaccrual status

​

​	​	​	​	​	​	​
​	​	March 31,		​	December 31,
(Dollars in thousands)		2025		​	2024
Residential mortgage	​	$	1,189	​	$	333
Consumer finance - automobiles	​	​	911	​	​	599
Consumer finance - marine and recreational vehicles	​	​	64	​	​	15
Total	​	$	2,164	​	$	947

Summary of amortized cost basis of loans that were both experiencing financial difficulty and modified

​

​	​	​	​	​	​	​	​	​
​	​	Three Months Ended March 31, 2024				​	​	​
​	​	​		% of Total		​	​	​
​	​	Amortized		Class of		​	​	​
(Dollars in thousands)		Cost		Loans		​	​	​
Term Extension	​	​	​	​	​	​	​	​
Residential mortgage	​	$	341	​	0.1	%	​	​
Total Term Extension	​	$	341	​	​	​	​	​
​	​	​	​	​	​	​	​	​
Combination Term Extension and Interest Rate Reduction	​	​	​	​	​	​	​	​
Residential mortgage	​	$	19	​	0.0	%	​	​
Total Combination Term Extension and Interest Rate Reduction	​	$	19	​	​	​	​	​
Total	​	$	360	​	0.1	%	​	​

​

​

​	​	​	​	​	​	​	​
​	​	​	Three Months Ended March 31, 2024
​	​	​	Weighted-		​	Weighted-
​	​	​	Average		​	Average
​	​	​	Interest Rate		​	Term Extension
(Dollars in thousands)	​	​	Reduction		​	(in years)
Residential mortgage	​	​	​	1.51	%	​	6.9
Total	​	​	​	1.51	%	​	6.9

​

X

- Definition

Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7A

Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 14
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-14

Reference 4: http://www.xbrl.org/2003/role/exampleRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 55
-Paragraph 80
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479294/326-20-55-80

+ Details

Name:	us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- References

No definition available.

+ Details

Name:	us-gaap_ReceivablesAbstract
Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(4))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Topic 210
-SubTopic 10
-Name Accounting Standards Codification
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02(3))
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147480566/210-10-S99-1

+ Details

Name:	us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable on nonaccrual status.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 7
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-7

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Topic 326
-SubTopic 20
-Name Accounting Standards Codification
-Section 50
-Paragraph 16
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147479319/326-20-50-16

+ Details

Name:	us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-34

Reference 2: http://fasb.org/us-gaap/role/ref/otherTransitionRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 33
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-33

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481933/310-10-55-12A

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147481962/310-10-50-42

+ Details

Name:	us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix:	us-gaap_
Data Type:	dtr-types:textBlockItemType
Balance Type:	na
Period Type:	duration