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Loans, Allowance For Credit Losses And OREO (Tables) | 9 Months Ended
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Sep. 30, 2023
Loans, Allowance For Credit Losses And OREO [Abstract] |
Summary Of Loans, Net |
| As of
| September 30, 2023
Commercial | $ 65,827
Commercial Real Estate: |
Commercial Mortgages-Owner Occupied | 128,646
Commercial Mortgages-Non-Owner Occupied | 177,073
Commercial Construction/Land | 23,745
Consumer |
Consumer Open-End | 52,023
Consumer Closed-End | 25,908
Residential: |
Residential Mortgages | 103,273
Residential Consumer Construction/Land | 30,410
Total loans | $ 606,905
Less allowance for credit losses | 7,320
Net loans | $ 599,585
| 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 $982 and $1,114 as of September 30, 2023 and December 31, 2022, respectively.
Amortized Cost Basis of Collateral Dependent Loans |
Collateral Dependent Loans |  | September 30, 2023
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 394 |  | $ -
Commercial Real Estate |  | - |  | 3,736
Consumer |  | - |  | 307
Residential |  | - |  | 1,114
Total |  | $ 394 |  | $ 5,157
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 Nine Months Ended September 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 | (137) |  | - |  | (56) |  | (3) |  | (196)
Recoveries | 50 |  | 91 |  | 42 |  | 17 |  | 200
Provision (Recovery of) | 23 |  | (187) |  | (41) |  | 17 |  | (188)
Ending Balance, September 30, 2023 | 512 |  | 3,963 |  | 1,106 |  | 1,739 |  | 7,320
Ending Balance: Individually evaluated | - |  | - |  | - |  | - |  | -
Ending Balance: Collectively evaluated | 512 |  | 3,963 |  | 1,106 |  | 1,739 |  | 7,320
Totals: | $ 512 |  | $ 3,963 |  | $ 1,106 |  | $ 1,739 |  | $ 7,320
Financing Receivables: |  |  |  |  |  |  |  |  |
Ending Balance: Individually evaluated | $ 394 |  | $ 3,736 |  | $ 307 |  | $ 1,114 |  | $ 5,551
Ending Balance: Collectively evaluated | 65,433 |  | 325,728 |  | 77,624 |  | 132,569 |  | 601,354
Totals: | $ 65,827 |  | $ 329,464 |  | $ 77,931 |  | $ 133,683 |  | $ 606,905
‎ 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
Amortized 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 | $ 5,114 |  | $ 4,921 |  | $ 9,499 |  | $ 7,010 |  | $ 2,974 |  | $ 19,014 |  | $ 16,426 |  | $ 64,958 |  | $ 43
Special Mention | - |  | - |  | - |  | 134 |  | - |  | - |  | 269 |  | 403 |  | -
Substandard | - |  | 19 |  | 233 |  | - |  | 7 |  | 207 |  | - |  | 466 |  | 180
Total | $ 5,114 |  | $ 4,940 |  | $ 9,732 |  | $ 7,144 |  | $ 2,981 |  | $ 19,221 |  | $ 16,695 |  | $ 65,827 |  | $ 223
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,944 |  | $ 22,122 |  | $ 46,430 |  | $ 8,181 |  | $ 9,141 |  | $ 32,094 |  | $ 1,115 |  | $ 126,027 |  | $ 162
Special Mention | - |  | - |  | - |  | - |  | - |  | 462 |  | - |  | 462 |  | -
Substandard | 94.00 |  | 107 |  | - |  | 46 |  | 290 |  | 1,620 |  | - |  | 2,157 |  | -
Total | $ 7,038 |  | $ 22,229 |  | $ 46,430 |  | $ 8,227 |  | $ 9,431 |  | $ 34,176 |  | $ 1,115 |  | $ 128,646 |  | $ 162
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 11,874 |  | $ 52,960 |  | $ 35,694 |  | $ 10,344 |  | $ 4,466 |  | $ 54,146 |  | $ 6,416 |  | $ 175,900 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,173 |  | - |  | - |  | 1,173 |  | -
Total | $ 11,874 |  | $ 52,960 |  | $ 35,694 |  | $ 10,344 |  | $ 5,639 |  | $ 54,146 |  | $ 6,416 |  | $ 177,073 |  | $ -
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 553 |  | $ 6,290 |  | $ 9,935 |  | $ 3,096 |  | $ 635 |  | $ 473 |  | $ 2,357 |  | $ 23,339 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 406 |  | - |  | - |  | - |  | - |  | 406 |  | -
Total | $ 553 |  | $ 6,290 |  | $ 10,341 |  | $ 3,096 |  | $ 635 |  | $ 473 |  | $ 2,357 |  | $ 23,745 |  | $ -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 51,804 |  | $ 51,804 |  | $ 1,081
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 219 |  | 219 |  | -
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 52,023 |  | $ 52,023 |  | $ 1,081
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 4,128 |  | $ 11,680 |  | $ 675 |  | $ 562 |  | $ 8,034 |  | $ 665 |  | $ - |  | $ 25,744 |  | $ -
Special Mention | - |  | - |  | - |  | 15 |  | - |  | - |  | - |  | 15 |  | -
Substandard | - |  | - |  | - |  | - |  | 32 |  | 117 |  | - |  | 149 |  | -
Total | $ 4,128 |  | $ 11,680 |  | $ 675 |  | $ 577 |  | $ 8,066 |  | $ 782 |  | $ - |  | $ 25,908 |  | $ -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 22,245 |  | $ 24,834 |  | $ 10,276 |  | $ 9,110 |  | $ 7,260 |  | $ 26,378 |  | $ - |  | $ 100,103 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | 1,716 |  | - |  | 1,716 |  | -
Substandard | - |  | - |  | - |  | 105 |  | 56 |  | 1,293 |  | - |  | 1,454 |  | -
Total | $ 22,245 |  | $ 24,834 |  | $ 10,276 |  | $ 9,215 |  | $ 7,316 |  | $ 29,387 |  | $ - |  | $ 103,273 |  | $ -
Residential Consumer Constr./Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,116 |  | $ 10,745 |  | $ 6,270 |  | $ 2,520 |  | $ 2,173 |  | $ 2,586 |  | $ - |  | $ 30,410 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 6,116 |  | $ 10,745 |  | $ 6,270 |  | $ 2,520 |  | $ 2,173 |  | $ 2,586 |  | $ - |  | $ 30,410 |  | $ -
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 56,974 |  | $ 133,552 |  | $ 118,779 |  | $ 40,823 |  | $ 34,683 |  | $ 135,356 |  | $ 78,118 |  | $ 598,285 |  | $ 1,286
Special Mention | - |  | - |  | - |  | 149 |  | - |  | 2,178 |  | 269 |  | 2,596 |  | -
Substandard | 94 |  | 126 |  | 639 |  | 151 |  | 1,558 |  | 3,237 |  | 219 |  | 6,024 |  | 180
Total | $ 57,068 |  | $ 133,678 |  | $ 119,418 |  | $ 41,123 |  | $ 36,241 |  | $ 140,771 |  | $ 78,606 |  | $ 606,905 |  | $ 1,466
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 | $ - | $ 120 | $ - | $ 137 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 6 | 6 | 12 | -
Consumer Closed-End | - | 25 | 19 | - | - | - | - | 44 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | 3 | - | 3 | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ - | $ 25 | $ 19 | $ 17 | $ - | $ 129 | $ 6 | $ 196 | $ -
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
| September 30, 2023 |  | December 31, 2022
| Nonaccrual Loans |  | Nonaccrual Loans
| With No Allowance | With an Allowance | Total |  |
Commercial | $ 72 | $ - | $ 72 |  | $ -
Commercial Real Estate: |  |  |  |  |
Commercial Mortgages – Owner Occupied | 107 | - | 107 |  | -
Commercial Mortgages-Non-Owner Occupied | - | - | - |  | 518
Commercial Construction/Land | 406 | - | 406 |  | -
Consumer |  |  |  |  |
Consumer Open-End | - | - | - |  | -
Consumer Closed-End | - | - | - |  | 20
Residential: |  |  |  |  |
Residential Mortgages | - | - | - |  | 95
Residential Consumer Construction | - | - | - |  | -
Total | $ 585 | $ - | $ 585 |  | $ 633
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of September 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 | $ | 72 |  | $ | — |  | $ | — |  | $ | 72 |  | $ | 65,755 |  | $ | 65,827 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | — |  |  | 107 |  |  | — |  |  | 107 |  |  | 128,539 |  |  | 128,646 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 177,073 |  |  | 177,073 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,745 |  |  | 23,745 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 175 |  |  | — |  |  | — |  |  | 175 |  |  | 51,848 |  |  | 52,023 |  |  | —
Consumer Closed-End |  | 162 |  |  | — |  |  | — |  |  | 162 |  |  | 25,746 |  |  | 25,908 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 595 |  |  | — |  |  | — |  |  | 595 |  |  | 102,678 |  |  | 103,273 |  |  | —
Residential Consumer Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 30,410 |  |  | 30,410 |  |  | —
Total | $ | 1,004 |  | $ | 107 |  | $ | — |  | $ | 1,111 |  | $ | 605,794 |  | $ | 606,905 |  | $ | —
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 | (89)
Balance September 30, 2023 | $ 690
Changes in OREO Balance |
| Nine Months Ended Year Ended
| September 30, 2023 |  | December 31, 2022
Balance at the beginning of the year (net) | $ | 566 |  | $ | 761
Transfers from loans |  | — |  |  | —
Capitalized costs |  | — |  |  | —
Valuation adjustments |  | (23) |  |  | (195)
Sales proceeds |  | (540) |  |  | —
Loss on disposition |  | (3) |  |  | —
Balance at the end of the period (net) | $ | — |  | $ | 566

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