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Loan Quality And Allowance For Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2023
Loan Quality And Allowance For Credit Losses [Abstract] |
Schedule of loans by Year of origination and Internally Assigned Risk Ratings |
(Dollars in thousands, except per share) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |  |
|  | Term Loans |  | Loans |  | Loans |  |  |
|  | Amortized Cost Basis by Origination Year |  | Amortized |  | Converted |  |  |
As of September 30, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Cost Basis |  | to Term |  | Total
Residential real estate 1-4 family: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-5) |  | $ | 7,702 |  | $ | 9,386 |  | $ | 11,426 |  | $ | 9,807 |  | $ | 2,454 |  | $ | 23,930 |  | $ | 1,824 |  | $ | — |  | $ | 66,529
OAEM (6) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Substandard (7) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 98 |  |  | — |  |  | — |  |  | 98
Doubtful (8) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total Commercial |  |  | 7,702 |  |  | 9,386 |  |  | 11,426 |  |  | 9,807 |  |  | 2,454 |  |  | 24,028 |  |  | 1,824 |  |  | — |  |  | 66,627
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 37,186 |  |  | 30,157 |  |  | 15,746 |  |  | 10,893 |  |  | 5,684 |  |  | 29,605 |  |  | 42,554 |  |  | 20,605 |  |  | 192,430
Nonperforming |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total Consumer |  |  | 37,186 |  |  | 30,157 |  |  | 15,746 |  |  | 10,893 |  |  | 5,684 |  |  | 29,605 |  |  | 42,554 |  |  | 20,605 |  |  | 192,430
Total |  | $ | 44,888 |  | $ | 39,543 |  | $ | 27,172 |  | $ | 20,700 |  | $ | 8,138 |  | $ | 53,633 |  | $ | 44,378 |  | $ | 20,605 |  | $ | 259,057
Current period gross charge-offs |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-5) |  | $ | 3,420 |  | $ | 2,849 |  | $ | 1,503 |  | $ | 229 |  | $ | — |  | $ | 1,819 |  | $ | — |  | $ | — |  | $ | 9,820
OAEM (6) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Substandard (7) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Doubtful (8) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total Commercial |  |  | 3,420 |  |  | 2,849 |  |  | 1,503 |  |  | 229 |  |  | — |  |  | 1,819 |  |  | — |  |  | — |  |  | 9,820
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 7,434 |  |  | 3,830 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,264
Nonperforming |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total Consumer |  |  | 7,434 |  |  | 3,830 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,264
Total |  | $ | 10,854 |  | $ | 6,679 |  | $ | 1,503 |  | $ | 229 |  | $ | — |  | $ | 1,819 |  | $ | — |  | $ | — |  | $ | 21,084
Current period gross charge-offs |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-5) |  | $ | 140,948 |  | $ | 118,484 |  | $ | 99,775 |  | $ | 41,944 |  | $ | 39,762 |  | $ | 219,830 |  | $ | 5,310 |  | $ | — |  | $ | 666,053
OAEM (6) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,203 |  |  | 144 |  |  | — |  |  | 2,347
Substandard (7) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,732 |  |  | 50 |  |  | — |  |  | 2,782
Doubtful (8) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 140,948 |  | $ | 118,484 |  | $ | 99,775 |  | $ | 41,944 |  | $ | 39,762 |  | $ | 224,765 |  | $ | 5,504 |  | $ | — |  | $ | 671,182
Current period gross charge-offs |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (1-5) |  | $ | 28,531 |  | $ | 35,229 |  | $ | 47,478 |  | $ | 23,762 |  | $ | 4,121 |  | $ | 65,513 |  | $ | 39,315 |  | $ | — |  | $ | 243,949
OAEM (6) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Substandard (7) |  |  | 116 |  |  | 340 |  |  | — |  |  | — |  |  | — |  |  | 3,642 |  |  | 1,072 |  |  | — |  |  | 5,170
Doubtful (8) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 28,647 |  | $ | 35,569 |  | $ | 47,478 |  | $ | 23,762 |  | $ | 4,121 |  | $ | 69,155 |  | $ | 40,387 |  | $ | — |  | $ | 249,119
Current period gross charge-offs |  | $ | (8) |  | $ | — |  | $ | (81) |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | (89)
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 1,421 |  |  | 759 |  |  | 2,053 |  |  | 181 |  |  | 114 |  |  | 8 |  |  | 1,858 |  |  | — |  |  | 6,394
Nonperforming |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14 |  |  | — |  |  | 14
Total |  | $ | 1,421 |  | $ | 759 |  | $ | 2,053 |  | $ | 181 |  | $ | 114 |  | $ | 8 |  | $ | 1,872 |  | $ | — |  | $ | 6,408
Current period gross charge-offs |  | $ | (37) |  | $ | (16) |  | $ | (10) |  | $ | (2) |  | $ | (6) |  | $ | — |  | $ | (26) |  | $ | — |  | $ | (97)
Schedule of nonaccrual loans and loans past due over 90 days and still on accrual by class of loans |
(Dollars in thousands) |  | Nonaccrual and Loans Past Due Over 90 Days+
|  |  |  |  |  |  |  | Loans Past Due
|  | Nonaccrual |  | Nonaccrual |  | Over 90 Days
|  | Without ACL |  | With ACL |  | Still Accruing
September 30, 2023 |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |
First liens |  | $ | 98 |  | $ | — |  | $ | —
Junior liens and lines of credit |  |  | — |  |  | — |  |  | —
Total |  |  | 98 |  |  | — |  |  | —
Residential real estate - construction |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | — |  |  | — |  |  | —
Commercial |  |  | 115 |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | 14
Total |  | $ | 213 |  | $ | — |  | $ | 14
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
Aging Of Payments Of The Loan Portfolio |
(Dollars in thousands) |  |  | Loans Past Due
|  |  |  |  |  |  |  |  |  |  |  | Total |  |  |  |  | Total
|  |  | 30-59 Days |  | 60-89 Days |  | 90 Days+ |  | Past Due |  | Current |  | Loans
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  |  | $ | 21 |  | $ | 232 |  | $ | 98 |  | $ | 351 |  | $ | 186,880 |  | $ | 187,231
Junior liens and lines of credit |  |  |  | 399 |  |  | — |  |  | — |  |  | 399 |  |  | 71,427 |  |  | 71,826
Total |  |  |  | 420 |  |  | 232 |  |  | 98 |  |  | 750 |  |  | 258,307 |  |  | 259,057
Residential real estate - construction |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,084 |  |  | 21,084
Commercial real estate |  |  |  | 311 |  |  | — |  |  | — |  |  | 311 |  |  | 670,871 |  |  | 671,182
Commercial |  |  |  | 662 |  |  | — |  |  | 115 |  |  | 777 |  |  | 248,342 |  |  | 249,119
Consumer |  |  |  | 10 |  |  | 16 |  |  | 14 |  |  | 40 |  |  | 6,368 |  |  | 6,408
Total |  |  | $ | 1,403 |  | $ | 248 |  | $ | 227 |  | $ | 1,878 |  | $ | 1,204,972 |  | $ | 1,206,850
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | Total |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  | Past Due & |  |  |  |  | Total
December 31, 2022 |  |  | 30-59 Days |  | 60-89 Days |  | 90 Days+ |  | Nonaccrual |  | Nonaccrual |  | Current |  | Loans
Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
First liens |  |  | $ | 340 |  | $ | 177 |  | $ | — |  | $ | 120 |  | $ | 637 |  | $ | 143,860 |  | $ | 144,497
Junior liens and lines of credit |  |  |  | 490 |  |  | — |  |  | — |  |  | — |  |  | 490 |  |  | 73,198 |  |  | 73,688
Total |  |  |  | 830 |  |  | 177 |  |  | — |  |  | 120 |  |  | 1,127 |  |  | 217,058 |  |  | 218,185
Residential real estate - construction |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,393 |  |  | 24,393
Commercial real estate |  |  |  | 649 |  |  | — |  |  | — |  |  | — |  |  | 649 |  |  | 566,013 |  |  | 566,662
Commercial |  |  |  | 681 |  |  | 50 |  |  | — |  |  | — |  |  | 731 |  |  | 234,871 |  |  | 235,602
Consumer |  |  |  | 29 |  |  | 5 |  |  | 13 |  |  | — |  |  | 47 |  |  | 6,152 |  |  | 6,199
Total |  |  | $ | 2,189 |  | $ | 232 |  | $ | 13 |  | $ | 120 |  | $ | 2,554 |  | $ | 1,048,487 |  | $ | 1,051,041
Allowance for Credit Losses (ACL), By Loan Segment |
|  | Residential Real Estate 1-4 Family |  |  |  |  |  |  |  |  |  |  |  |  |
|  | First |  | Junior Liens & |  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Liens |  | Lines of Credit |  | Construction |  | Real Estate |  | Commercial |  | Consumer |  | Unallocated |  | Total
ACL at June 30, 2023 |  | $ | 1,720 |  | $ | 683 |  | $ | 177 |  | $ | 9,083 |  | $ | 2,854 |  | $ | 98 |  | $ | — |  | $ | 14,615
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (2) |  |  | (21) |  |  | — |  |  | (23)
Recoveries |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 15 |  |  | 51 |  |  | — |  |  | 70
Provision |  |  | (519) |  |  | (265) |  |  | 61 |  |  | 1,124 |  |  | 503 |  |  | (38) |  |  | — |  |  | 866
ACL at September 30, 2023 |  | $ | 1,201 |  | $ | 418 |  | $ | 242 |  | $ | 10,207 |  | $ | 3,370 |  | $ | 90 |  | $ | — |  | $ | 15,528
ALL at December 31, 2022 |  | $ | 459 |  | $ | 234 |  | $ | 343 |  | $ | 7,493 |  | $ | 4,846 |  | $ | 133 |  | $ | 667 |  | $ | 14,175
Impact of adopting ASU 2016-13 |  |  | 1,096 |  |  | 493 |  |  | (95) |  |  | 584 |  |  | (1,907) |  |  | (40) |  |  | (667) |  |  | (56)
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (89) |  |  | (97) |  |  | — |  |  | (186)
Recoveries |  |  | 2 |  |  | — |  |  | 46 |  |  | — |  |  | 94 |  |  | 76 |  |  | — |  |  | 218
Provision |  |  | (356) |  |  | (309) |  |  | (52) |  |  | 2,130 |  |  | 426 |  |  | 18 |  |  | — |  |  | 1,857
ACL at September 30, 2023 |  | $ | 1,201 |  | $ | 418 |  | $ | 242 |  | $ | 10,207 |  | $ | 3,370 |  | $ | 90 |  | $ | — |  | $ | 15,528
ALL at June 30, 2022 |  | $ | 465 |  | $ | 245 |  | $ | 289 |  | $ | 8,096 |  | $ | 5,076 |  | $ | 119 |  | $ | 725 |  | $ | 15,015
Charge-offs |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (6) |  |  | (33) |  |  | — |  |  | (39)
Recoveries |  |  | — |  |  | 1 |  |  | — |  |  | — |  |  | 8 |  |  | 4 |  |  | — |  |  | 13
Provision |  |  | (4) |  |  | 3 |  |  | 75 |  |  | 9 |  |  | (33) |  |  | 38 |  |  | (88) |  |  | —
ALL at September 30, 2022 |  | $ | 461 |  | $ | 249 |  | $ | 364 |  | $ | 8,105 |  | $ | 5,045 |  | $ | 128 |  | $ | 637 |  | $ | 14,989
ALL at December 31, 2021 |  | $ | 475 |  | $ | 252 |  | $ | 325 |  | $ | 8,168 |  | $ | 5,127 |  | $ | 130 |  | $ | 589 |  | $ | 15,066
Charge-offs |  |  | (20) |  |  | — |  |  | — |  |  | — |  |  | (69) |  |  | (79) |  |  | — |  |  | (168)
Recoveries |  |  | 47 |  |  | 2 |  |  | — |  |  | — |  |  | 20 |  |  | 22 |  |  | — |  |  | 91
Provision |  |  | (41) |  |  | (5) |  |  | 39 |  |  | (63) |  |  | (33) |  |  | 55 |  |  | 48 |  |  | —
ALL at September 30, 2022 |  | $ | 461 |  | $ | 249 |  | $ | 364 |  | $ | 8,105 |  | $ | 5,045 |  | $ | 128 |  | $ | 637 |  | $ | 14,989
The following table presents, by class, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) and the amount of the ALL established in each class as of December 31, 2022:
|  | 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
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 |  | $ | — |  | $ | — |  | $ | —
Troubled Debt Restructuring Loans |
|  |  |  |  |  |  |  |  |  |  |  |  | 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 - farm land |  | 3 |  |  | 1,466 |  |  | 1,466 |  |  | — |  | — |  |  | —
Commercial real estate - construction and land development |  | — |  |  | — |  |  | — |  |  | — |  | — |  |  | —
Commercial real estate - other |  | 1 |  |  | 82 |  |  | 82 |  |  | — |  | — |  |  | —
Total |  | 12 |  | $ | 2,950 |  | $ | 2,950 |  | $ | — |  | — |  | $ | —
*The performing status is determined by the loans compliance with the modified terms. Nonperforming is considered 90 days or more past due. |  |  |

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