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LOANS, ALLOWANCE FOR CREDIT LOSSES (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of Loans

A summary of loans at December 31, 2024, and December 31, 2023, follows:

						December 31, 2024												December 31, 2023
						Amortized Cost						% of Total						Amortized Cost						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	707,009					51.7		%				$	748,447					51.2		%
Agricultural real estate						72,738						5.3		%				83,157						5.7		%
Multi-family real estate						220,706						16.1		%				228,004						15.6		%
Construction and land development						78,146						5.7		%				110,218						7.5		%
C&I/Agricultural operating:
Commercial and industrial						115,535						8.4		%				121,190						8.3		%
Agricultural operating						31,017						2.3		%				25,695						1.8		%
Residential mortgage:
Residential mortgage						131,892						9.6		%				128,479						8.8		%
Purchased HELOC loans						2,956						0.2		%				2,880						0.2		%
Consumer installment:
Originated indirect paper						3,970						0.3		%				6,535						0.4		%
Other consumer						5,012						0.4		%				6,187						0.4		%
Total loans receivable						$	1,368,981					100		%				$	1,460,792					100		%
Less Allowance for credit losses						(20,549)												(22,908)
Net loans receivable						$	1,348,432											$	1,437,884

Schedule of Financing Receivable Credit Quality Indicators

As of December 31, 2024, and December 31, 2023, there were no loans classified as doubtful with a risk rating of 8 and no loans classified as loss with a risk rating of 9.

Residential and consumer loans are typically not rated until they are past due 90 days at month-end which is why they are classified as pass graded 1 - 5 and once 90 days past due at month-end or nonaccrual, get assigned a grade 7.

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of December 31, 2024, and gross charge-offs for the twelve months ended December 31, 2024:

			Amortized Cost Basis by Origination Year
			2024			2023			2022			2021			2020			Prior			Revolving			Revolving to Term			Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5			$	49,580		$	76,381		$	123,806		$	207,155		$	89,539		$	141,264		$	7,669		$	—		$	695,394
Risk rating 6			173			1,406			2,238			138			—			—			—			—			3,955
Risk rating 7			—			—			553			2,445			214			4,448			—			—			7,660
Total			$	49,753		$	77,787		$	126,597		$	209,738		$	89,753		$	145,712		$	7,669		$	—		$	707,009
Current period gross charge-offs			$	—		$	—		$	—		$	39		$	—		$	—		$	—		$	—		$	39
Agricultural real estate
Risk rating 1 to 5			$	3,556		$	10,870		$	17,160		$	10,098		$	7,335		$	16,642		$	715		$	—		$	66,376
Risk rating 6			—			—			—			—			—			140			—			—			140
Risk rating 7			—			202			477			5,102			—			441			—			—			6,222
Total			$	3,556		$	11,072		$	17,637		$	15,200		$	7,335		$	17,223		$	715		$	—		$	72,738
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Multi-family real estate
Risk rating 1 to 5			$	8,777		$	7,790		$	40,426		$	101,213		$	43,115		$	19,005		$	380		$	—		$	220,706
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	8,777		$	7,790		$	40,426		$	101,213		$	43,115		$	19,005		$	380		$	—		$	220,706
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	23,832		$	25,102		$	10,186		$	346		$	1,297		$	868		$	16,412		$	—		$	78,043
Risk rating 6			—			—			—			—			—			103			—			—			103
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	23,832		$	25,102		$	10,186		$	346		$	1,297		$	971		$	16,412		$	—		$	78,146
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	17,599		$	13,049		$	28,343		$	13,629		$	8,787		$	4,197		$	24,809		$	—		$	110,413
Risk rating 6			—			—			3,062			13			—			—			292			626			3,993
Risk rating 7			—			500			74			401			—			—			154			—			1,129
Total			$	17,599		$	13,549		$	31,479		$	14,043		$	8,787		$	4,197		$	25,255		$	626		$	115,535
Current period gross charge-offs			$	—		$	131		$	7		$	—		$	5		$	—		$	—		$	—		$	143
Agricultural operating
Risk rating 1 to 5			$	3,373		$	3,062		$	3,144		$	563		$	198		$	1,884		$	17,609		$	—		$	29,833
Risk rating 6			—			49			—			37			240			—			65			—			391
Risk rating 7			—			—			473			320			—			—			—			—			793
Total			$	3,373		$	3,111		$	3,617		$	920		$	438		$	1,884		$	17,674		$	—		$	31,017
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Continued			Amortized Cost Basis by Origination Year
			2024			2023			2022			2021			2020			Prior			Revolving			Revolving to Term			Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5			$	13,400		$	28,598		$	30,386		$	7,369		$	2,141		$	30,004		$	17,349		$	—		$	129,247
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			130			—			—			2,507			8			—			2,645
Total			$	13,400		$	28,598		$	30,516		$	7,369		$	2,141		$	32,511		$	17,357		$	—		$	131,892
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	4		$	—		$	—		$	4
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,839		$	—		$	2,839
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			117			—			117
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,956		$	—		$	2,956
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	3,944		$	—		$	—		$	3,944
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			26			—			—			26
Total			$	—		$	—		$	—		$	—		$	—		$	3,970		$	—		$	—		$	3,970
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	17		$	—		$	—		$	17
Other consumer
Risk rating 1 to 5			$	1,519		$	1,229		$	811		$	385		$	341		$	214		$	511		$	—		$	5,010
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			2			—			—			—			—			—			—			—			2
Total			$	1,521		$	1,229		$	811		$	385		$	341		$	214		$	511		$	—		$	5,012
Current period gross charge-offs			$	—		$	4		$	3		$	1		$	—		$	—		$	10		$	—		$	18
Total loans receivable			$	121,811		$	168,238		$	261,269		$	349,214		$	153,207		$	225,687		$	88,929		$	626		$	1,368,981
Total current period gross charge-offs			$	—		$	135		$	10		$	40		$	5		$	21		$	10		$	—		$	221

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of December 31, 2023, and gross charge-offs for the twelve months ended December 31, 2023:

			Amortized Cost Basis by Origination Year
			2023			2022			2021			2020			2019			Prior			Revolving			Revolving to Term			Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5			$	73,564		$	133,583		$	236,774		$	90,881		$	71,104		$	107,999		$	10,204		$	—		$	724,109
Risk rating 6			309			—			9,510			—			—			—			—			—			9,819
Risk rating 7			25			696			3,213			4,548			183			5,854			—			—			14,519
Total			$	73,898		$	134,279		$	249,497		$	95,429		$	71,287		$	113,853		$	10,204		$	—		$	748,447
Current period gross charge-offs			$	—		$	—		$	10		$	—		$	—		$	4		$	—		$	—		$	14
Agricultural real estate
Risk rating 1 to 5			$	16,335		$	19,026		$	11,582		$	7,719		$	5,463		$	15,418		$	1,009		$	—		$	76,552
Risk rating 6			—			171			5,409			—			152			482			—			—			6,214
Risk rating 7			—			360			—			—			31			—			—			—			391
Total			$	16,335		$	19,557		$	16,991		$	7,719		$	5,646		$	15,900		$	1,009		$	—		$	83,157
Current period gross charge-offs			$	—		$	—		$	—		$	32		$	—		$	—		$	—		$	—		$	32
Multi-family real estate
Risk rating 1 to 5			$	5,016		$	50,617		$	95,686		$	45,685		$	8,591		$	22,364		$	45		$	—		$	228,004
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	5,016		$	50,617		$	95,686		$	45,685		$	8,591		$	22,364		$	45		$	—		$	228,004
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	42,639		$	37,783		$	18,912		$	8,014		$	119		$	1,124		$	1,314		$	—		$	109,905
Risk rating 6			—			—			—			—			—			110			—			—			110
Risk rating 7			—			—			—			—			—			54			149			—			203
Total			$	42,639		$	37,783		$	18,912		$	8,014		$	119		$	1,288		$	1,463		$	—		$	110,218
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	16,758		$	31,915		$	28,059		$	11,406		$	4,746		$	2,023		$	24,059		$	—		$	118,966
Risk rating 6			—			—			—			—			5			—			2,200			—			2,205
Risk rating 7			—			—			—			—			—			2			—			17			19
Total			$	16,758		$	31,915		$	28,059		$	11,406		$	4,751		$	2,025		$	26,259		$	17		$	121,190
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Agricultural operating
Risk rating 1 to 5			$	4,734		$	3,908		$	856		$	746		$	295		$	2,144		$	11,831		$	—		$	24,514
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			476			704			—			—			1			—			—			1,181
Total			$	4,734		$	4,384		$	1,560		$	746		$	295		$	2,145		$	11,831		$	—		$	25,695
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Continued			Amortized Cost Basis by Origination Year
			2023			2022			2021			2020			2019			Prior			Revolving			Revolving to Term			Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5			$	28,808		$	33,660		$	8,743		$	2,610		$	2,292		$	33,744		$	15,544		$	—		$	125,401
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			141			—			—			14			2,875			—			48			3,078
Total			$	28,808		$	33,801		$	8,743		$	2,610		$	2,306		$	36,619		$	15,544		$	48		$	128,479
Current period gross charge-offs			$	—		$	—		$	10		$	—		$	—		$	68		$	—		$	—		$	78
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,880		$	—		$	2,880
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,880		$	—		$	2,880
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	6,491		$	—		$	—		$	6,491
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			44			—			—			44
Total			$	—		$	—		$	—		$	—		$	—		$	6,535		$	—		$	—		$	6,535
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	13		$	—		$	—		$	13
Other consumer
Risk rating 1 to 5			$	2,104		$	1,525		$	763		$	559		$	402		$	274		$	530		$	1		$	6,158
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			9			2			—			—			16			1			1			—			29
Total			$	2,113		$	1,527		$	763		$	559		$	418		$	275		$	531		$	1		$	6,187
Current period gross charge-offs			$	—		$	2		$	1		$	11		$	3		$	6		$	—		$	—		$	23
Total loans receivable			$	190,301		$	313,863		$	420,211		$	172,168		$	93,413		$	201,004		$	69,766		$	66		$	1,460,792
Total current period gross charge-offs			$	—		$	2		$	21		$	43		$	3		$	91		$	—		$	—		$	160

Schedule of Changes in Loans

A summary of the changes in those loans is as follows:

						Twelve months ended						Twelve months ended
						December 31, 2024						December 31, 2023
Balance—beginning of period						$	36,592					$	38,410
New loan originations						1,006						624
Repayments						(2,856)						(2,442)
Balance—end of period						$	34,742					$	36,592
Available and unused lines of credit						$	19					$	603

Schedule of Allowance for Credit Losses

The following tables present the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the twelve months ended December 31, 2024 and December 31, 2023:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Twelve months ended December 31, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,784					$	1,105					$	2,744					$	275											$	22,908
Charge-offs			(39)						(143)						(4)						(35)												(221)
Recoveries			56						36						7						22												121
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			(2,285)						332						(258)						(48)												(2,259)
ACL - Loans, at end of period			$	16,516					$	1,330					$	2,489					$	214											$	20,549

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
Twelve months ended December 31, 2023
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	14,085					$	2,318					$	599					$	129					$	808					$	17,939
Cumulative effect of ASU 2016-13 adoption			4,510						(331)						1,119						216						(808)						4,706
Charge-offs			(46)						—						(78)						(36)						—						(160)
Recoveries			489						47						42						33						—						611
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			(254)						(929)						1,062						(67)						—						(188)
ACL - Loans, at end of period			$	18,784					$	1,105					$	2,744					$	275					$	—					$	22,908

						December 31, 2024 and Twelve Months Ended						December 31, 2023 and Twelve Months Ended
ACL - Unfunded Commitments - beginning of period						$	1,250					$	—
Cumulative effect of ASU 2016-13 adoption						—						1,537
Reversals to ACL - Unfunded Commitments via provision for credit losses charged to operations						(916)						(287)
ACL - Unfunded Commitments - End of period						$	334					$	1,250

Schedule of Aging Analysis of Bank Real Estate and Consumer Loans

An aging analysis of the Company’s commercial/agricultural real estate, C&I, agricultural operating, residential mortgage, consumer installment and purchased third party loans as of December 31, 2024 and December 31, 2023, respectively, was as follows:

(Loan balances at amortized cost)			30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due																		Current						Total Loans
December 31, 2024
Commercial/Agricultural real estate:
Commercial real estate			$	857					$	322					$	367					$	1,546																	$	705,463					$	707,009
Agricultural real estate			26						—						556						582																		72,156						72,738
Multi-family real estate			—						—						—						—																		220,706						220,706
Construction and land development			—						—						—						—																		78,146						78,146
C&I/Agricultural operating:
Commercial and industrial			566						50						564						1,180																		114,355						115,535
Agricultural operating			—						—						793						793																		30,224						31,017
Residential mortgage:
Residential mortgage			1,873						796						500						3,169																		128,723						131,892
Purchased HELOC loans			—						—						117						117																		2,839						2,956
Consumer installment:
Originated indirect paper			25						—						—						25																		3,945						3,970
Other consumer			27						—						—						27																		4,985						5,012
Total			$	3,374					$	1,168					$	2,897					$	7,439																	$	1,361,542					$	1,368,981

(Loan balances at amortized cost)			30-59 Days Past Due and Accruing						60-89 Days Past Due and Accruing						Greater Than 89 Days Past Due and Accruing						Total Past Due and Accruing						Nonaccrual Loans						Total Past Due Accruing and Nonaccrual Loans						Current						Total Loans
December 31, 2023
Commercial/Agricultural real estate:
Commercial real estate			$	50					$	308					$	—					$	358					$	10,359					$	10,717					$	737,730					$	748,447
Agricultural real estate			—						—						—						—						391						391						82,766						83,157
Multi-family real estate			—						—						—						—						—						—						228,004						228,004
Construction and land development			—						—						—						—						54						54						110,164						110,218
C&I/Agricultural operating:
Commercial and industrial			248						—						—						248						—						248						120,942						121,190
Agricultural operating			—						—						—						—						1,180						1,180						24,515						25,695
Residential mortgage:
Residential mortgage			826						350						387						1,563						1,167						2,730						125,749						128,479
Purchased HELOC loans			117						—						—						117						—						117						2,763						2,880
Consumer installment:
Originated indirect paper			66						—						—						66						15						81						6,454						6,535
Other consumer			38						—						2						40						18						58						6,129						6,187
Total			$	1,345					$	658					$	389					$	2,392					$	13,184					$	15,576					$	1,445,216					$	1,460,792

The following table shows the performance of such loans that have been modified during the twelve months ended December 31, 2024.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	1,407					$	—					$	—					$	—
Commercial and industrial						1,513						—						50						—
Residential mortgage						256						—						—						—
Other consumer						2						—						—						—
Total						$	3,178					$	—					$	50					$	—

The following table shows the performance of such loans that have been modified during the twelve months ended December 31, 2023.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	4,694					$	—					$	—					$	—
Commercial and industrial						2,200						—						—						—
Residential mortgage						35						—						69						—
Other consumer						20						—						—						—
Total						$	6,949					$	—					$	69					$	—

Schedule of Nonaccrual Loans

The following table presents the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated at December 31, 2024 and December 31, 2023, with no allowance for credit losses:

December 31, 2024			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses						Loans Past Due Over 89 Days Still Accruing
Commercial/Agricultural real estate:
Commercial real estate			$	4,594					$	4,374					$	—
Agricultural real estate			6,222						6,020						—
Multi-family real estate			—						—						—
Construction and land development			103						103						—
C&I/Agricultural operating:
Commercial and industrial			597						564						—
Agricultural operating			793						793						—
Residential mortgage:
Residential mortgage			741						548						186
Purchased HELOC loans			117						117						—
Consumer installment:
Originated indirect paper			1						1						—
Other consumer			—						—						—
Total			$	13,168					$	12,520					$	186

December 31, 2023			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses
Commercial/Agricultural real estate:
Commercial real estate			$	10,359					$	10,347
Agricultural real estate			391						391
Multi-family real estate			—						—
Construction and land development			54						54
C&I/Agricultural operating:
Commercial and industrial			—						—
Agricultural operating			1,180						1,180
Residential mortgage:
Residential mortgage			1,167						934
Purchased HELOC loans			—						—
Consumer installment:
Originated indirect paper			15						15
Other consumer			18						18
Total			$	13,184					$	12,939

Schedule of Collateral Dependent Loans by Portfolio Segment

The following table presents the amortized cost basis of collateral dependent loans by portfolio segment and collateral type that were individually evaluated to determine expected credit losses and the related allowance for credit losses as of December 31, 2024 and December 31, 2023.

			Collateral Type
December 31, 2024			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	9,004					$	—					$	9,004					$	6,597					$	2,407					$	258
Agricultural real estate			6,222						—						6,222						6,020						202						99
Multi-family real estate			—						—						—						—						—						—
Construction and land development			103						—						103						103						—						—
C&I/Agricultural operating:
Commercial and industrial			—						1,806						1,806						1,146						660						49
Agricultural operating			—						793						793						793						—						—
Residential mortgage:
Residential mortgage			3,066						—						3,066						2,773						293						49
Purchased HELOC loans			—						—						—						—						—						—
Consumer installment:
Originated indirect paper			—						25						25						25						—						—
Other consumer			—						2						2						2						—						—
Total			$	18,395					$	2,626					$	21,021					$	17,459					$	3,562					$	455

			Collateral Type
December 31, 2023			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	15,086					$	—					$	15,086					$	11,350					$	3,736					$	703
Agricultural real estate			6,605						—						6,605						6,605						—						—
Multi-family real estate			—						—						—						—						—						—
Construction and land development			313						—						313						313						—						—
C&I/Agricultural operating:
Commercial and industrial			—						2,219						2,219						2,219						—						—
Agricultural operating			—						1,181						1,181						1,181						—						—
Residential mortgage:
Residential mortgage			3,145						—						3,145						2,591						554						88
Purchased HELOC loans			—						—						—						—						—						—
Consumer installment:
Originated indirect paper			—						44						44						44						—						—
Other consumer			—						29						29						29						—						—
Total			$	25,149					$	3,473					$	28,622					$	24,332					$	4,290					$	791

Schedule of Loan Modifications

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the twelve months ended December 31, 2024:

						Term Extension
Loan Class						Amortized Cost Basis at December 31, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	225					0.03		%
Commercial and industrial						$	741					0.64		%
Residential mortgage						$	20					0.02		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at December 31, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	1,182					0.17		%
Commercial and industrial						$	822					0.71		%
Residential mortgage						$	236					0.18		%
						Term Extension and Principal Forgiveness
Loan Class						Amortized Cost Basis at December 31, 2024						% of Total Class of Financing Receivables
Other consumer						$	2					0.04		%

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the twelve months ended December 31, 2023:

						Term Extension
Loan Class						Amortized Cost Basis at December 31, 2023						% of Total Class of Financing Receivables
Commercial real estate						$	4,694					0.63		%
Commercial and industrial						$	2,200					1.82		%
Residential mortgage						$	35					0.03		%
Other consumer						$	1					0.02		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at December 31, 2023						% of Total Class of Financing Receivables
Residential mortgage						$	69					0.05		%
Other consumer						$	19					0.31		%

Schedule of Financial Effect of the Modified Made to Borrowers Experiencing

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the twelve months ended December 31, 2024:

Term Extension
Loan Class						Financial Effect
Commercial real estate						A weighted average of 6 months was added to the term of the loans
Commercial and industrial						A weighted average of 13 months was added to the term of the loans
Residential mortgage						A weighted average of 54 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial real estate						Payments were deferred a weighted average of 3 months
Commercial and industrial						Payments were deferred a weighted average of 3 months
Residential mortgage						Payments were deferred a weighted average of 3 months
Term Extension and Principal Forgiveness
Loan Type						Financial Effect
Other Consumer						A weighted average of 3 months was added to the term of the loan and a principal balance of $2 was forgiven

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the twelve months ended December 31, 2023:

Term Extension
Loan Class						Financial Effect
Commercial real estate						A weighted average of 20 months was added to the term of the loans
Commercial and industrial						A weighted average of 3 months was added to the term of the loans
Residential mortgage						A weighted average of 16 months was added to the term of the loans
Other consumer						A weighted average of 12 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Residential mortgage						Payments were deferred a weighted average of 6 months
Other consumer						Payments were deferred a weighted average of 3 months

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