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Loans, Allowance For Credit Losses And OREO (Tables) | 3 Months Ended
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Mar. 31, 2023
Loans, allowance for credit losses and OREO [Abstract] |
Summary Of Loans, Net |
| As of
| March 31, 2023
Commercial | $ 71,652
Commercial Real Estate: |
Commercial Mortgages-Owner Occupied | 131,171
Commercial Mortgages-Non-Owner Occupied | 180,053
Commercial Construction/Land | 23,472
Consumer |
Consumer Open-End | 50,449
Consumer Closed-End | 27,285
Residential: |
Residential Mortgages | 101,688
Residential Consumer Construction/Land | 40,168
Total loans | $ 625,938
Less allowance for credit losses | 7,715
Net loans | $ 618,223
| As of
| December 31, 2022
Commercial | $ 95,885
Commercial Real Estate: |
Commercial Mortgages-Owner Occupied | 135,189
Commercial Mortgages-Non-Owner Occupied | 206,701
Commercial Construction | 12,135
Consumer |
Consumer Unsecured | 2,828
Consumer Secured | 95,131
Residential: |
Residential Mortgages | 43,049
Residential Consumer Construction | 20,707
Total loans | $ 611,625
Less allowance for credit losses | 6,259
Net loans | $ 605,366
(1)Includes net deferred costs of $1,054 and $1,114 as of March 31, 2023 and December 31, 2022, respectively.
Amortized Cost Basis of Collateral Dependent Loans |
Collateral Dependent Loans |  | March 31, 2023
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 346 |  | $ -
Commercial Real Estate |  | - |  | 3,633
Consumer |  | - |  | 399
Residential |  | - |  | 1,339
Total |  | $ 346 |  | $ 5,371
Impaired Loans |
|  | Impaired Loans
|  | (dollars in thousands)
|  | As of and For the Year Ended December 31, 2022
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
2022 |  | Investment (1) |  | Balance |  | Allowance |  | Investment |  | Recognized
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ - |  | $ - |  | $ - |  | 9 |  | -
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 554 |  | 581 |  | - |  | 1,573 |  | 48
| Commercial Mortgage Non-Owner Occupied | 518 |  | 526 |  | - |  | 310 |  | 23
| Commercial Construction | - |  | - |  | - |  | - |  | -
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 249 |  | 249 |  | - |  | 154 |  | 12
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,345 |  | 1,428 |  | - |  | 1,331 |  | 54
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
With an Allowance Recorded: |  |  |  |  |  |  |  |  |
| Commercial | $ - |  | $ - |  | $ - |  | - |  | -
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | - |  | - |  | - |  | - |  | -
| Commercial Mortgage Non-Owner Occupied | - |  | - |  | - |  | - |  | -
| Commercial Construction | - |  | - |  | - |  | - |  | -
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | - |  | - |  | - |  | - |  | -
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | - |  | - |  | - |  | - |  | -
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
Totals: |  |  |  |  |  |  |  |  |
| Commercial | $ - |  | $ - |  | $ - |  | $ 9 |  | $ -
| Commercial Real Estate |  |  |  |  |  |  |  |  |
| Commercial Mortgages-Owner Occupied | 554 |  | 581 |  | - |  | 1,573 |  | 48
| Commercial Mortgage Non-Owner Occupied | 518 |  | 526 |  | - |  | 310 |  | 23
| Commercial Construction | - |  | - |  | - |  | - |  | -
| Consumer |  |  |  |  |  |  |  |  |
| Consumer Unsecured | - |  | - |  | - |  | - |  | -
| Consumer Secured | 249 |  | 249 |  | - |  | 154 |  | 12
| Residential |  |  |  |  |  |  |  |  |
| Residential Mortgages | 1,345 |  | 1,428 |  | - |  | 1,331 |  | 54
| Residential Consumer Construction | - |  | - |  | - |  | - |  | -
|  | $ 2,666 |  | $ 2,784 |  | $ - |  | $ 3,377 |  | $ 137
(1)Recorded Investment is net of charge-offs and interest paid while a loan is in nonaccrual status.
Allowance For Loan Losses And Recorded Investment In Loans |
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Three Months Ended March 31, 2023
|  |  | Commercial |  |  |  |  |  |
2023 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2022 | $ 1,102 |  | $ 2,902 |  | $ 904 |  | $ 1,351 |  | $ 6,259
Adoption of ASU 2016-13 | (526) |  | 1,157 |  | 257 |  | 357 |  | 1,245
Charge-Offs | (17) |  | - |  | (16) |  | - |  | (33)
Recoveries | 9 |  | 88 |  | 5 |  | 2 |  | 104
Provision (Recovery of) | 33 |  | (52) |  | 11 |  | 148 |  | 140
Ending Balance, March 31, 2023 | 601 |  | 4,095 |  | 1,161 |  | 1,858 |  | 7,715
Ending Balance: Individually evaluated | - |  | - |  | 2 |  | - |  | 2
Ending Balance: Collectively evaluated | 601 |  | 4,095 |  | 1,159 |  | 1,858 |  | 7,713
Totals: | $ 601 |  | $ 4,095 |  | $ 1,161 |  | $ 1,858 |  | $ 7,715
Financing Receivables: |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated | $ 346 |  | $ 3,633 |  | $ 399 |  | $ 1,339 |  | $ 5,717
Ending Balance: Collectively evaluated | 71,306 |  | 331,063 |  | 77,335 |  | 140,517 |  | 620,221
Totals: | $ 71,652 |  | $ 334,696 |  | $ 77,734 |  | $ 141,856 |  | $ 625,938
‎ Note 8 – Loans, allowance for credit losses and OREO (continued)
| As of and For the Year Ended December 31, 2022
|  |  | Commercial |  |  |  |  |  |
2022 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance | $ 1,471 |  | $ 3,637 |  | $ 860 |  | $ 947 |  | $ 6,915
Charge-Offs | - |  | (137) |  | (25) |  | - |  | (162)
Recoveries | 104 |  | 212 |  | 18 |  | 72 |  | 406
Provision (Recovery of) | (473) |  | (810) |  | 51 |  | 332 |  | (900)
Ending Balance | 1,102 |  | 2,902 |  | 904 |  | 1,351 |  | 6,259
Ending Balance: Individually evaluated for impairment | - |  | - |  | - |  | - |  | -
Ending Balance: Collectively evaluated for impairment | 1,102 |  | 2,902 |  | 904 |  | 1,351 |  | 6,259
Totals: | $ 1,102 |  | $ 2,902 |  | $ 904 |  | $ 1,351 |  | $ 6,259
Financing Receivables: |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated for impairment | $ - |  | $ 1,072 |  | $ 249 |  | $ 1,345 |  | $ 2,666
Ending Balance: Collectively evaluated for impairment | 95,885 |  | 352,953 |  | 97,710 |  | 62,411 |  | 608,959
Totals: | $ 95,885 |  | $ 354,025 |  | $ 97,959 |  | $ 63,756 |  | $ 611,625
Amoritzed Cost Basis by Origination Year |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Revolving Loans Converted to Term
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 2,986 |  | $ 5,994 |  | $ 14,357 |  | $ 8,355 |  | $ 3,417 |  | $ 12,746 |  | $ 22,721 |  | $ 70,576 |  | $ -
Special Mention | - |  | 95 |  | - |  | 143 |  | - |  | - |  | 413 |  | 651 |  | -
Substandard | - |  | 21 |  | 58 |  | - |  | 8 |  | 149 |  | 189 |  | 425 |  | -
Total | $ 2,986 |  | $ 6,110 |  | $ 14,415 |  | $ 8,498 |  | $ 3,425 |  | $ 12,895 |  | $ 23,323 |  | $ 71,652 |  | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 2,719 |  | $ 23,189 |  | $ 49,580 |  | $ 8,696 |  | $ 9,832 |  | $ 34,648 |  | $ - |  | $ 128,664 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | 475 |  | - |  | 475 |  | -
Substandard | - |  | - |  | - |  | 46 |  | 302 |  | 1,684 |  | - |  | 2,032 |  | -
Total | $ 2,719 |  | $ 23,189 |  | $ 49,580 |  | $ 8,742 |  | $ 10,134 |  | $ 36,807 |  | $ - |  | $ 131,171 |  | $ -
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 7,778 |  | $ 54,870 |  | $ 36,512 |  | $ 10,760 |  | $ 8,387 |  | $ 60,570 |  | $ - |  | $ 178,877 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,176 |  | - |  | - |  | 1,176 |  | -
Total | $ 7,778 |  | $ 54,870 |  | $ 36,512 |  | $ 10,760 |  | $ 9,563 |  | $ 60,570 |  | $ - |  | $ 180,053 |  | $ -
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ 6,093 |  | $ 10,708 |  | $ 3,227 |  | $ 756 |  | $ 2,264 |  | $ - |  | $ 23,048 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 424 |  | - |  | - |  | - |  | - |  | 424 |  | -
Total | $ - |  | $ 6,093 |  | $ 11,132 |  | $ 3,227 |  | $ 756 |  | $ 2,264 |  | $ - |  | $ 23,472 |  | $ -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 50,231 |  | $ 50,231 |  | $ 1,448
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 218 |  | 218 |  | -
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 50,449 |  | $ 50,449 |  | $ 1,448
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 2,071 |  | $ 12,988 |  | $ 819 |  | $ 630 |  | $ 9,546 |  | $ 963 |  | $ - |  | $ 27,017 |  | $ -
Special Mention | - |  | - |  | - |  | 18 |  | - |  | - |  | - |  | 18 |  | -
Substandard | - |  | - |  | - |  | - |  | 217 |  | 33 |  | - |  | 250 |  | -
Total | $ 2,071 |  | $ 12,988 |  | $ 819 |  | $ 648 |  | $ 9,763 |  | $ 996 |  | $ - |  | $ 27,285 |  | $ -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 14,430 |  | $ 26,460 |  | $ 10,540 |  | $ 10,142 |  | $ 8,308 |  | $ 28,433 |  | $ - |  | $ 98,313 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | 1,770 |  | - |  | 1,770 |  | -
Substandard | - |  | - |  | - |  | - |  | 60 |  | 1,545 |  | - |  | 1,605 |  | -
Total | $ 14,430 |  | $ 26,460 |  | $ 10,540 |  | $ 10,142 |  | $ 8,368 |  | $ 31,748 |  | $ - |  | $ 101,688 |  | $ -
Residential Consumer Constr./Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,437 |  | $ 20,134 |  | $ 10,527 |  | $ 2,815 |  | $ 2,253 |  | $ 3,002 |  | $ - |  | $ 40,168 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 1,437 |  | $ 20,134 |  | $ 10,527 |  | $ 2,815 |  | $ 2,253 |  | $ 3,002 |  | $ - |  | $ 40,168 |  | $ -
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 31,421 |  | $ 149,728 |  | $ 133,043 |  | $ 44,625 |  | $ 42,499 |  | $ 142,626 |  | $ 72,952 |  | $ 616,894 |  | $ 1,448
Special Mention | - |  | 95 |  | - |  | 161 |  | - |  | 2,245 |  | 413 |  | 2,914 |  | -
Substandard | - |  | 21 |  | 482 |  | 46 |  | 1,763 |  | 3,411 |  | 407 |  | 6,130 |  | -
Total | $ 31,421 |  | $ 149,844 |  | $ 133,525 |  | $ 44,832 |  | $ 44,262 |  | $ 148,282 |  | $ 73,772 |  | $ 625,938 |  | $ 1,448
Gross Charge-Offs by Origination Year |
Current Period Gross Charge-Offs by Origination Year (in thousands)
| 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total | Revolving Loans Converted to Term
Commercial | $ - | $ - | $ - | $ 17 | $ - | $ - | $ - | $ 17 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | - | 6 | 6 | -
Consumer Closed-End | - | - | 10 | - | - | - | - | 10 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | - | - | - | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ - | $ - | $ 10 | $ 17 | $ - | $ - | $ 6 | $ 33 | $ -
Credit Quality Information-By Class |
Credit Quality Information - by Class
December 31, 2022
2022 |  | Pass |  |  | Monitor |  |  | Special |  |  | Substandard |  |  | Doubtful |  |  | Totals
|  |  |  |  |  |  |  | Mention |  |  |  |  |  |  |  |  |
Commercial | $ | 89,889 |  | $ | 4,418 |  | $ | 1,465 |  | $ | 113 |  | $ | — |  | $ | 95,885
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 132,686 |  |  | 1,931 |  |  | — |  |  | 572 |  |  | — |  |  | 135,189
Commercial Mortgages-Non-Owner Occupied |  | 204,810 |  |  | — |  |  | 1,182 |  |  | 709 |  |  | — |  |  | 206,701
Commercial Construction |  | 12,126 |  |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 12,135
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | 2,809 |  |  | — |  |  | 19 |  |  | — |  |  | — |  |  | 2,828
Consumer Secured |  | 94,788 |  |  | — |  |  | — |  |  | 343 |  |  | — |  |  | 95,131
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 41,591 |  |  | — |  |  | — |  |  | 1,458 |  |  | — |  |  | 43,049
Residential Consumer Construction |  | 19,178 |  |  | 1,529 |  |  | — |  |  | — |  |  | — |  |  | 20,707
Totals | $ | 597,877 |  | $ | 7,887 |  | $ | 2,666 |  | $ | 3,195 |  | $ | — |  | $ | 611,625
Loans On Non-Accrual Status |
| CECL |  | Incurred Loss
| March 31, 2023 |  | December 31, 2022
| Nonaccrual Loans |  | Nonaccrual Loans
| With No Allowance | With an Allowance | Total |  |
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages-Non-Owner Occupied | $ - | $ - | $ - |  | $ 518
Commercial Construction/Land | 424 | - | 424 |  | -
Consumer |  |  |  |  |
Consumer Open-End | 7 | - | 7 |  | -
Consumer Closed-End | 94 | - | 94 |  | 20
Residential: |  |  |  |  |
Residential Mortgages | - | - | - |  | 95
Total | $ 525 | $ - | $ 525 |  | $ 633
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of March 31, 2023
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
2023 |  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 71,652 |  | $ | 71,652 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 131,171 |  |  | 131,171 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 180,053 |  |  | 180,053 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,472 |  |  | 23,472 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 113 |  |  | — |  |  | — |  |  | 113 |  |  | 50,336 |  |  | 50,449 |  |  | —
Consumer Closed-End |  | 123 |  |  | — |  |  | 94 |  |  | 217 |  |  | 27,068 |  |  | 27,285 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 382 |  |  | 665 |  |  | — |  |  | 1,047 |  |  | 100,641 |  |  | 101,688 |  |  | —
Residential Consumer Construction/Land |  | 274 |  |  | — |  |  | — |  |  | 274 |  |  | 39,894 |  |  | 40,168 |  |  | —
Total | $ | 892 |  | $ | 665 |  | $ | 94 |  | $ | 1,651 |  | $ | 624,287 |  | $ | 625,938 |  | $ | —
Age Analysis of Past Due Loans as of December 31, 2022
2022 |  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
|  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | 52 |  | $ | 194 |  | $ | — |  | $ | 246 |  | $ | 95,639 |  | $ | 95,885 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 135,189 |  |  | 135,189 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | 55 |  |  | — |  |  | — |  |  | 55 |  |  | 206,646 |  |  | 206,701 |  |  | —
Commercial Construction |  | — |  |  | 397 |  |  | — |  |  | 397 |  |  | 11,738 |  |  | 12,135 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Unsecured |  | 15 |  |  | — |  |  | — |  |  | 15 |  |  | 2,813 |  |  | 2,828 |  |  | —
Consumer Secured |  | 62 |  |  | — |  |  | 13 |  |  | 75 |  |  | 95,056 |  |  | 95,131 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 139 |  |  | — |  |  | 95 |  |  | 234 |  |  | 42,815 |  |  | 43,049 |  |  | —
Residential Consumer Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 20,707 |  |  | 20,707 |  |  | —
Total | $ | 323 |  | $ | 591 |  | $ | 108 |  | $ | 1,022 |  | $ | 610,603 |  | $ | 611,625 |  | $ | —
Allowance for Credit Losses on Unfunded Commitments |
Allowance for Credit Losses on Unfunded Commitments |
Balance, December 31, 2022 | $ -
Adoption of ASU 2016-13 | 779
Provision for credit losses | -
Balance March 31, 2023 | $ 779
Changes in OREO Balance |
| Three Months Ended Year Ended
| March 31, 2023 |  | December 31, 2022
Balance at the beginning of the year (net) | $ | 566 |  | $ | 761
Transfers from loans |  | — |  |  | —
Capitalized costs |  | — |  |  | —
Valuation adjustments |  | (26) |  |  | (195)
Sales proceeds |  | — |  |  | —
Loss on disposition |  | — |  |  | —
Balance at the end of the period (net) | $ | 540 |  | $ | 566

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