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Loan Quality (Tables) | 12 Months Ended
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Dec. 31, 2022
Loan Quality [Abstract] |
Allowance For Loan Losses, By Loan Segment | The following table shows the activity in the Allowance for Loan Loss (ALL), for the years ended December 31, 2022 and 2021:
|  | Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |
|  | First |  | Junior Liens & |  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Liens |  | Lines of Credit |  | Construction |  | Real Estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
ALL at December 31, 2021 |  | $ | 475 |  | $ | 252 |  | $ | 325 |  | $ | 8,168 |  | $ | 5,127 |  | $ | 130 |  | $ | 589 |  | $ | 15,066
Charge-offs |  |  | (20) |  |  | — |  |  | — |  |  | (1,451) |  |  | (71) |  |  | (102) |  |  | — |  |  | (1,644)
Recoveries |  |  | 48 |  |  | 2 |  |  | — |  |  | 1 |  |  | 26 |  |  | 26 |  |  | — |  |  | 103
Provision |  |  | (44) |  |  | (20) |  |  | 18 |  |  | 775 |  |  | (236) |  |  | 79 |  |  | 78 |  |  | 650
ALL at December 31, 2022 |  | $ | 459 |  | $ | 234 |  | $ | 343 |  | $ | 7,493 |  | $ | 4,846 |  | $ | 133 |  | $ | 667 |  | $ | 14,175
ALL at December 31, 2020 |  | $ | 555 |  | $ | 226 |  | $ | 294 |  | $ | 9,163 |  | $ | 5,679 |  | $ | 97 |  | $ | 775 |  | $ | 16,789
Charge-offs |  |  | — |  |  | — |  |  | (28) |  |  | (57) |  |  | (50) |  |  | (195) |  |  | — |  |  | (330)
Recoveries |  |  | — |  |  | 170 |  |  | — |  |  | 1 |  |  | 505 |  |  | 31 |  |  | — |  |  | 707
Provision |  |  | (80) |  |  | (144) |  |  | 59 |  |  | (939) |  |  | (1,007) |  |  | 197 |  |  | (186) |  |  | (2,100)
ALL at December 31, 2021 |  | $ | 475 |  | $ | 252 |  | $ | 325 |  | $ | 8,168 |  | $ | 5,127 |  | $ | 130 |  | $ | 589 |  | $ | 15,066
The following table shows the loans that were evaluated for the Allowance for Loan Loss (ALL) under a specific reserve (individually) and those that were evaluated under a general reserve (collectively), and the amount of the allowance established in each category as of December 31, 2022 and 2021:
|  | Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |
|  | First |  | Junior Liens & |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Liens |  | Lines of Credit |  | Construction |  | Real Estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans evaluated for ALL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 619 |  | $ | — |  | $ | — |  | $ | 2,331 |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,950
Collectively |  |  | 143,878 |  |  | 73,688 |  |  | 24,393 |  |  | 564,331 |  |  | 235,602 |  |  | 6,199 |  |  | — |  |  | 1,048,091
Total |  | $ | 144,497 |  | $ | 73,688 |  | $ | 24,393 |  | $ | 566,662 |  | $ | 235,602 |  | $ | 6,199 |  | $ | — |  | $ | 1,051,041
ALL established for ‎ loans evaluated: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Collectively |  |  | 459 |  |  | 234 |  |  | 343 |  |  | 7,493 |  |  | 4,846 |  |  | 133 |  |  | 667 |  |  | 14,175
ALL at December 31, 2022 |  | $ | 459 |  | $ | 234 |  | $ | 343 |  | $ | 7,493 |  | $ | 4,846 |  | $ | 133 |  | $ | 667 |  | $ | 14,175
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans evaluated for ALL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 661 |  | $ | — |  | $ | 424 |  | $ | 10,520 |  | $ | — |  | $ | — |  | $ | — |  | $ | 11,605
Collectively |  |  | 131,822 |  |  | 71,944 |  |  | 20,233 |  |  | 512,259 |  |  | 244,543 |  |  | 6,406 |  |  | — |  |  | 987,207
Total |  | $ | 132,483 |  | $ | 71,944 |  | $ | 20,657 |  | $ | 522,779 |  | $ | 244,543 |  | $ | 6,406 |  | $ | — |  | $ | 998,812
ALL established for ‎ loans evaluated: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | — |  | $ | — |  | $ | — |  | $ | 698 |  | $ | — |  | $ | — |  | $ | — |  | $ | 698
Collectively |  |  | 475 |  |  | 252 |  |  | 325 |  |  | 7,470 |  |  | 5,127 |  |  | 130 |  |  | 589 |  |  | 14,368
ALL at December 31, 2021 |  | $ | 475 |  | $ | 252 |  | $ | 325 |  | $ | 8,168 |  | $ | 5,127 |  | $ | 130 |  | $ | 589 |  | $ | 15,066
Impaired Financing Receivables |
|  | Impaired Loans
|  | With No Allowance |  | With Allowance
(Dollars in thousands) |  |  |  |  | Unpaid |  |  |  |  | Unpaid |  |  |
|  | Recorded |  | Principal |  | Recorded |  | Principal |  | Related
December 31, 2022 |  | Investment |  | Balance |  | Investment |  | Balance |  | Allowance
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 619 |  | $ | 619 |  | $ | — |  | $ | — |  | $ | —
Junior liens and lines of credit |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  |  | 619 |  |  | 619 |  |  | — |  |  | — |  |  | —
Residential real estate - construction |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | 2,331 |  |  | 2,331 |  |  | — |  |  | — |  |  | —
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 2,950 |  | $ | 2,950 |  | $ | — |  | $ | — |  | $ | —
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 661 |  | $ | 661 |  | $ | — |  | $ | — |  | $ | —
Junior liens and lines of credit |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  |  | 661 |  |  | 661 |  |  | — |  |  | — |  |  | —
Residential real estate - construction |  |  | 424 |  |  | 729 |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | 4,942 |  |  | 5,405 |  |  | 5,578 |  |  | 5,764 |  |  | 698
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 6,027 |  | $ | 6,795 |  | $ | 5,578 |  | $ | 5,764 |  | $ | 698
|  | Twelve Months Ended
|  | December 31, 2022 |  | December 31, 2021
|  | Average |  | Interest |  | Average |  | Interest
(Dollars in thousands) |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 641 |  | $ | 33 |  | $ | 657 |  | $ | 32
Junior liens and lines of credit |  |  | — |  |  | — |  |  | — |  |  | —
Total |  |  | 641 |  |  | 33 |  |  | 657 |  |  | 32
Residential real estate - construction |  |  | 106 |  |  | 105 |  |  | 469 |  |  | —
Commercial real estate |  |  | 7,765 |  |  | 369 |  |  | 14,530 |  |  | 341
Commercial |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,512 |  | $ | 507 |  | $ | 15,656 |  | $ | 373
Aging Of Payments Of The Loan Portfolio |
(Dollars in thousands) |  |  |  |  | Loans Past Due and Still Accruing |  |  |  |  | Total
|  | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days+ |  | Total |  | Non-Accrual |  | Loans
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 143,860 |  | $ | 340 |  | $ | 177 |  | $ | — |  | $ | 517 |  | $ | 120 |  | $ | 144,497
Junior liens and lines of credit |  |  | 73,198 |  |  | 490 |  |  | — |  |  | — |  |  | 490 |  |  | — |  |  | 73,688
Total |  |  | 217,058 |  |  | 830 |  |  | 177 |  |  | — |  |  | 1,007 |  |  | 120 |  |  | 218,185
Residential real estate - construction |  |  | 24,393 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,393
Commercial real estate |  |  | 566,013 |  |  | 649 |  |  | — |  |  | — |  |  | 649 |  |  | — |  |  | 566,662
Commercial |  |  | 234,871 |  |  | 681 |  |  | 50 |  |  | — |  |  | 731 |  |  | — |  |  | 235,602
Consumer |  |  | 6,152 |  |  | 29 |  |  | 5 |  |  | 13 |  |  | 47 |  |  | — |  |  | 6,199
Total |  | $ | 1,048,487 |  | $ | 2,189 |  | $ | 232 |  | $ | 13 |  | $ | 2,434 |  | $ | 120 |  | $ | 1,051,041
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  | $ | 132,224 |  | $ | 96 |  | $ | 113 |  | $ | — |  | $ | 209 |  | $ | 50 |  | $ | 132,483
Junior liens and lines of credit |  |  | 71,788 |  |  | 118 |  |  | — |  |  | — |  |  | 118 |  |  | 38 |  |  | 71,944
Total |  |  | 204,012 |  |  | 214 |  |  | 113 |  |  | — |  |  | 327 |  |  | 88 |  |  | 204,427
Residential real estate - construction |  |  | 20,233 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 424 |  |  | 20,657
Commercial real estate |  |  | 515,487 |  |  | 293 |  |  | 187 |  |  | — |  |  | 480 |  |  | 6,812 |  |  | 522,779
Commercial |  |  | 244,377 |  |  | 106 |  |  | — |  |  | — |  |  | 106 |  |  | 60 |  |  | 244,543
Consumer |  |  | 6,368 |  |  | 27 |  |  | 11 |  |  | — |  |  | 38 |  |  | — |  |  | 6,406
Total |  | $ | 990,477 |  | $ | 640 |  | $ | 311 |  | $ | — |  | $ | 951 |  | $ | 7,384 |  | $ | 998,812
Internal Credit Rating For The Loan Portfolio |
| Pass |  | OAEM |  | Substandard |  | Doubtful |  |  |
(Dollars in thousands) | (1-5) |  | (6) |  | (7) |  | (8) |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens | $ | 144,377 |  | $ | — |  | $ | 120 |  | $ | — |  | $ | 144,497
Junior liens and lines of credit |  | 73,688 |  |  | — |  |  | — |  |  | — |  |  | 73,688
Total |  | 218,065 |  |  | — |  |  | 120 |  |  | — |  |  | 218,185
Residential real estate - construction |  | 24,393 |  |  | — |  |  | — |  |  | — |  |  | 24,393
Commercial real estate |  | 562,665 |  |  | 1,095 |  |  | 2,902 |  |  | — |  |  | 566,662
Commercial |  | 228,085 |  |  | 2,751 |  |  | 4,766 |  |  | — |  |  | 235,602
Consumer |  | 6,199 |  |  | — |  |  | — |  |  | — |  |  | 6,199
Total | $ | 1,039,407 |  | $ | 3,846 |  | $ | 7,788 |  | $ | — |  | $ | 1,051,041
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens | $ | 132,433 |  | $ | — |  | $ | 50 |  | $ | — |  | $ | 132,483
Junior liens and lines of credit |  | 71,906 |  |  | — |  |  | 38 |  |  | — |  |  | 71,944
Total |  | 204,339 |  |  | — |  |  | 88 |  |  | — |  |  | 204,427
Residential real estate - construction |  | 20,233 |  |  | — |  |  | 424 |  |  | — |  |  | 20,657
Commercial real estate |  | 486,903 |  |  | 19,006 |  |  | 16,870 |  |  | — |  |  | 522,779
Commercial |  | 244,315 |  |  | 49 |  |  | 179 |  |  | — |  |  | 244,543
Consumer |  | 6,406 |  |  | — |  |  | — |  |  | — |  |  | 6,406
Total | $ | 962,196 |  | $ | 19,055 |  | $ | 17,561 |  | $ | — |  | $ | 998,812
Troubled Debt Restructuring Loans | The following table presents TDR loans as of December 31, 2022 and 2021:
|  |  |  |  |  |  |  |  |  |  |  |  | Troubled Debt Restructurings
|  |  |  |  |  |  |  |  |  |  |  |  | Within the Last 12 Months
|  |  |  |  |  |  |  |  |  | That Have Defaulted
(Dollars in thousands) |  | Troubled Debt Restructurings |  | on Modified Terms
|  | Number of |  | Recorded |  |  |  |  |  |  |  | Number of |  | Recorded
|  | Contracts |  | Investment |  | Performing* |  | Nonperforming* |  | Contracts |  | Investment
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate - construction |  | — |  | $ | — |  | $ | — |  | $ | — |  | — |  | $ | —
Residential real estate |  | 5 |  |  | 619 |  |  | 619 |  |  | — |  | — |  |  | —
Commercial real estate - owner occupied |  | 3 |  |  | 783 |  |  | 783 |  |  | — |  | — |  |  | —
Commercial real estate - farmland |  | 3 |  |  | 1,466 |  |  | 1,466 |  |  | — |  | — |  |  | —
Commercial real estate - multi-family residential |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | —
Commercial real estate |  | 1 |  |  | 82 |  |  | 82 |  |  | — |  | — |  |  | —
Total |  | 12 |  | $ | 2,950 |  | $ | 2,950 |  | $ | — |  | — |  | $ | —
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate - construction |  | 1 |  | $ | 424 |  | $ | — |  | $ | 424 |  | — |  | $ | —
Residential real estate |  | 5 |  |  | 661 |  |  | 661 |  |  | — |  | — |  |  | —
Commercial real estate - owner occupied |  | 4 |  |  | 1,161 |  |  | 1,161 |  |  | — |  | — |  |  | —
Commercial real estate - farmland |  | 4 |  |  | 1,664 |  |  | 1,664 |  |  | — |  | — |  |  | —
Commercial real estate - construction and land development |  | 1 |  |  | 1,360 |  |  | 1,360 |  |  | — |  | — |  |  | —
Commercial real estate |  | 2 |  |  | 294 |  |  | 294 |  |  | — |  | — |  |  | —
Total |  | 17 |  | $ | 5,564 |  | $ | 5,140 |  | $ | 424 |  | — |  | $ | —
*The performing status is determined by the loan’s compliance with the modified terms. There were no new TDR loans made during 2022. The following table presents new TDR loans made during 2021, concession granted and the recorded investment as of December 31, 2022:
|  | New During Period
Twelve Months Ended |  | Number of |  | Pre-TDR |  | After-TDR |  | Recorded |  |
December 31, 2021 |  | Contracts |  | Modification |  | Modification |  | Investment |  | Concession
Residential real estate |  | 1 |  | $ | 41 |  | $ | 50 |  | $ | 37 |  | multiple

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