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Loans, Allowance For Credit Losses And OREO (Tables) | 6 Months Ended
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Jun. 30, 2023
Loans, allowance for credit losses and OREO [Abstract] |
Summary Of Loans, Net |
| As of
| June 30, 2023
Commercial | $ 69,886
Commercial Real Estate: |
Commercial Mortgages-Owner Occupied | 130,081
Commercial Mortgages-Non-Owner Occupied | 180,236
Commercial Construction/Land | 22,430
Consumer |
Consumer Open-End | 53,549
Consumer Closed-End | 26,493
Residential: |
Residential Mortgages | 103,373
Residential Consumer Construction/Land | 31,956
Total loans | $ 618,004
Less allowance for credit losses | 7,586
Net loans | $ 610,418
| 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 $1,004 and $1,114 as of June 30, 2023 and December 31, 2022, respectively.
Amortized Cost Basis of Collateral Dependent Loans |
Collateral Dependent Loans |  | June 30, 2023
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 334 |  | $ -
Commercial Real Estate |  | - |  | 3,791
Consumer |  | - |  | 332
Residential |  | - |  | 1,117
Total |  | $ 334 |  | $ 5,240
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 Credit Losses and Recorded Investment in Loans |
| Allowance for Credit Losses and Recorded Investment in Loans
| (dollars in thousands)
| As of and For the Six Months Ended June 30, 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) |  | - |  | (32) |  | (3) |  | (52)
Recoveries | 48 |  | 90 |  | 39 |  | 15 |  | 192
Provision (Recovery of) | (36) |  | (97) |  | (7) |  | 82 |  | (58)
Ending Balance, June 30, 2023 | 571 |  | 4,052 |  | 1,161 |  | 1,802 |  | 7,586
Ending Balance: Individually evaluated | - |  | - |  | - |  | - |  | -
Ending Balance: Collectively evaluated | 571 |  | 4,052 |  | 1,161 |  | 1,802 |  | 7,586
Totals: | $ 571 |  | $ 4,052 |  | $ 1,161 |  | $ 1,802 |  | $ 7,586
Financing Receivables: |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated | $ 334 |  | $ 3,791 |  | $ 332 |  | $ 1,117 |  | $ 5,574
Ending Balance: Collectively evaluated | 69,552 |  | 328,956 |  | 79,710 |  | 134,212 |  | 612,430
Totals: | $ 69,886 |  | $ 332,747 |  | $ 80,042 |  | $ 135,329 |  | $ 618,004
‎ 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 | $ 5,370 |  | $ 6,174 |  | $ 10,161 |  | $ 7,659 |  | $ 3,146 |  | $ 19,943 |  | $ 16,884 |  | $ 69,337 |  | $ 112
Special Mention | - |  | - |  | - |  | 139 |  | - |  | - |  | - |  | 139 |  | -
Substandard | - |  | 20 |  | 240 |  | - |  | 8 |  | 142 |  | - |  | 410 |  | 184
Total | $ 5,370 |  | $ 6,194 |  | $ 10,401 |  | $ 7,798 |  | $ 3,154 |  | $ 20,085 |  | $ 16,884 |  | $ 69,886 |  | $ 296
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,136 |  | $ 21,936 |  | $ 46,976 |  | $ 8,371 |  | $ 9,275 |  | $ 33,236 |  | $ 1,479 |  | $ 127,409 |  | $ 162
Special Mention | - |  | - |  | - |  | - |  | - |  | 469 |  | - |  | 469 |  | -
Substandard | - |  | 212 |  | - |  | 46 |  | 296 |  | 1,649 |  | - |  | 2,203 |  | -
Total | $ 6,136 |  | $ 22,148 |  | $ 46,976 |  | $ 8,417 |  | $ 9,571 |  | $ 35,354 |  | $ 1,479 |  | $ 130,081 |  | $ 162
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 12,718 |  | $ 53,937 |  | $ 35,968 |  | $ 10,477 |  | $ 4,533 |  | $ 55,206 |  | $ 6,223 |  | $ 179,062 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,174 |  | - |  | - |  | 1,174 |  | -
Total | $ 12,718 |  | $ 53,937 |  | $ 35,968 |  | $ 10,477 |  | $ 5,707 |  | $ 55,206 |  | $ 6,223 |  | $ 180,236 |  | $ -
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 562 |  | $ 4,688 |  | $ 10,017 |  | $ 2,327 |  | $ 643 |  | $ 2,468 |  | $ 1,310 |  | $ 22,015 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 415 |  | - |  | - |  | - |  | - |  | 415 |  | -
Total | $ 562 |  | $ 4,688 |  | $ 10,432 |  | $ 2,327 |  | $ 643 |  | $ 2,468 |  | $ 1,310 |  | $ 22,430 |  | $ -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 53,308 |  | $ 53,308 |  | $ 929
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 241 |  | 241 |  | -
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 53,549 |  | $ 53,549 |  | $ 929
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 3,232 |  | $ 12,323 |  | $ 738 |  | $ 596 |  | $ 8,599 |  | $ 836 |  | $ - |  | $ 26,324 |  | $ -
Special Mention | - |  | - |  | - |  | 17 |  | - |  | - |  | - |  | 17 |  | -
Substandard | - |  | - |  | - |  | - |  | 32 |  | 120 |  | - |  | 152 |  | -
Total | $ 3,232 |  | $ 12,323 |  | $ 738 |  | $ 613 |  | $ 8,631 |  | $ 956 |  | $ - |  | $ 26,493 |  | $ -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 18,821 |  | $ 25,773 |  | $ 10,452 |  | $ 9,708 |  | $ 8,214 |  | $ 27,197 |  | $ - |  | $ 100,165 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | 1,743 |  | - |  | 1,743 |  | -
Substandard | - |  | - |  | - |  | 105 |  | 58 |  | 1,302 |  | - |  | 1,465 |  | -
Total | $ 18,821 |  | $ 25,773 |  | $ 10,452 |  | $ 9,813 |  | $ 8,272 |  | $ 30,242 |  | $ - |  | $ 103,373 |  | $ -
Residential Consumer Constr./Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 4,374 |  | $ 12,086 |  | $ 7,759 |  | $ 2,678 |  | $ 2,221 |  | $ 2,838 |  | $ - |  | $ 31,956 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 4,374 |  | $ 12,086 |  | $ 7,759 |  | $ 2,678 |  | $ 2,221 |  | $ 2,838 |  | $ - |  | $ 31,956 |  | $ -
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 51,213 |  | $ 136,917 |  | $ 122,071 |  | $ 41,816 |  | $ 36,631 |  | $ 141,724 |  | $ 79,204 |  | $ 609,576 |  | $ 1,203
Special Mention | - |  | - |  | - |  | 156 |  | - |  | 2,212 |  | - |  | 2,368 |  | -
Substandard | - |  | 232 |  | 655 |  | 151 |  | 1,568 |  | 3,213 |  | 241 |  | 6,060 |  | 184
Total | $ 51,213 |  | $ 137,149 |  | $ 122,726 |  | $ 42,123 |  | $ 38,199 |  | $ 147,149 |  | $ 79,445 |  | $ 618,004 |  | $ 1,387
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 | $ - | $ 1 | $ - | $ 18 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 7 | 6 | 13 | -
Consumer Closed-End | - | - | 18 | - | - | - | - | 18 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | 3 | - | 3 | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ - | $ - | $ 18 | $ 17 | $ - | $ 11 | $ 6 | $ 52 | $ -
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
| June 30, 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 | 415 | - | 415 |  | -
Consumer |  |  |  |  |
Consumer Open-End | - | - | - |  | -
Consumer Closed-End | - | - | - |  | 20
Residential: |  |  |  |  |
Residential Mortgages | - | - | - |  | 95
Total | $ 415 | $ - | $ 415 |  | $ 633
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of June 30, 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 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 69,886 |  | $ | 69,886 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 130,081 |  |  | 130,081 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 180,236 |  |  | 180,236 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 22,430 |  |  | 22,430 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 43 |  |  | — |  |  | — |  |  | 43 |  |  | 53,506 |  |  | 53,549 |  |  | —
Consumer Closed-End |  | 63 |  |  | — |  |  | — |  |  | 63 |  |  | 26,430 |  |  | 26,493 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 152 |  |  | — |  |  | — |  |  | 152 |  |  | 103,221 |  |  | 103,373 |  |  | —
Residential Consumer Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,956 |  |  | 31,956 |  |  | —
Total | $ | 258 |  | $ | — |  | $ | — |  | $ | 258 |  | $ | 617,746 |  | $ | 618,004 |  | $ | —
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
Recovery of credit losses | (56)
Balance June 30, 2023 | $ 723
Changes in OREO Balance |
| Six Months Ended Year Ended
| June 30, 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 |  | (40) |  |  | —
Loss on disposition |  | — |  |  | —
Balance at the end of the period (net) | $ | 500 |  | $ | 566

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