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Loans And Allowance For Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2024
Loans And Allowance For Credit Losses [Abstract] |
Summary Of Loans, Net |
| As of |  | As of
| March 31, 2024 |  | December 31, 2023
Commercial | $ 68,257 |  | $ 65,324
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 133,346 |  | 131,519
Commercial Mortgages-Non-Owner Occupied | 172,178 |  | 175,344
Commercial Construction/Land | 22,364 |  | 21,966
Consumer: |  |  |
Consumer Open-End | 48,073 |  | 50,282
Consumer Closed-End | 26,691 |  | 26,235
Residential: |  |  |
Residential Mortgages | 105,417 |  | 106,990
Residential Consumer Construction/Land | 31,709 |  | 31,673
Total loans | $ 608,035 |  | $ 609,333
Less allowance for credit losses | 6,920 |  | 7,412
Net loans | $ 601,115 |  | $ 601,921
Amortized Cost Basis Of Collateral Dependent Loans |
Collateral Dependent Loans |  | March 31, 2024
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 3,969 |  | $ -
Commercial Real Estate |  | - |  | 7,524
Consumer |  | - |  | 327
Residential |  | - |  | 1,101
Total |  | $ 3,969 |  | $ 8,952
Collateral Dependent Loans |  | December 31, 2023
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 313 |  | $ -
Commercial Real Estate |  | - |  | 3,566
Consumer |  | - |  | 329
Residential |  | - |  | 1,105
Total |  | $ 313 |  | $ 5,000
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 Three Months Ended March 31, 2024
|  |  | Commercial |  |  |  |  |  |
2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, December 31, 2023 | $ 514 |  | $ 3,985 |  | $ 1,093 |  | $ 1,820 |  | $ 7,412
Charge-Offs | (8) |  | - |  | (57) |  | - |  | (65)
Recoveries | 65 |  | 1 |  | 7 |  | 1 |  | 74
Provision for (recovery of) | 73 |  | (344) |  | (159) |  | (71) |  | (501)
Ending Balance, March 31, 2024 | $ 644 |  | $ 3,642 |  | $ 884 |  | $ 1,750 |  | $ 6,920
| 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 for (recovery of) | 33 |  | (52) |  | 11 |  | 148 |  | 140
Ending Balance, March 31, 2023 | $ 601 |  | $ 4,095 |  | $ 1,161 |  | $ 1,858 |  | $ 7,715
Amortized Cost Basis By Origination Year |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  | Revolving Loans Converted to Term
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 4,868 |  | $ 4,458 |  | $ 4,001 |  | $ 8,892 |  | $ 1,984 |  | $ 21,037 |  | $ 18,579 |  | $ 63,819 |  | $ 35
Special Mention | 80 |  | - |  | - |  | - |  | 128 |  | - |  | 159 |  | 367 |  | -
Substandard | - |  | 954 |  | 17 |  | 230 |  | - |  | 124 |  | 2,530 |  | 3,855 |  | 181
Total | $ 4,948 |  | $ 5,412 |  | $ 4,018 |  | $ 9,122 |  | $ 2,112 |  | $ 21,161 |  | $ 21,268 |  | $ 68,041 |  | $ 216
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 5,482 |  | $ 9,248 |  | $ 22,450 |  | $ 42,190 |  | $ 7,661 |  | $ 39,290 |  | $ 1,418 |  | $ 127,739 |  | $ 158
Special Mention | - |  | - |  | - |  | - |  | - |  | 449 |  | - |  | 449 |  | -
Substandard | - |  | 94 |  | - |  | 3,036 |  | 45 |  | 1,825 |  | - |  | 5,000 |  | -
Total | $ 5,482 |  | $ 9,342 |  | $ 22,450 |  | $ 45,226 |  | $ 7,706 |  | $ 41,564 |  | $ 1,418 |  | $ 133,188 |  | $ 158
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 905 |  | $ 12,577 |  | $ 51,521 |  | $ 34,246 |  | $ 10,076 |  | $ 55,672 |  | $ 6,008 |  | $ 171,005 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,173 |  | - |  | - |  | 1,173 |  | -
Total | $ 905 |  | $ 12,577 |  | $ 51,521 |  | $ 34,246 |  | $ 11,249 |  | $ 55,672 |  | $ 6,008 |  | $ 172,178 |  | $ -
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,721 |  | $ 2,247 |  | $ 787 |  | $ 9,753 |  | $ 2,780 |  | $ 1,074 |  | $ 2,650 |  | $ 21,012 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 970 |  | 382 |  | - |  | - |  | - |  | 1,352 |  | -
Total | $ 1,721 |  | $ 2,247 |  | $ 1,757 |  | $ 10,135 |  | $ 2,780 |  | $ 1,074 |  | $ 2,650 |  | $ 22,364 |  | $ -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 46,783 |  | $ 46,783 |  | $ 1,049
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 241 |  | 241 |  | -
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 47,024 |  | $ 47,024 |  | $ 1,049
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,828 |  | $ 5,162 |  | $ 10,725 |  | $ 518 |  | $ 494 |  | $ 7,742 |  | $ - |  | $ 26,469 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | 13 |  | - |  | - |  | 13 |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | 209 |  | - |  | 209 |  | -
Total | $ 1,828 |  | $ 5,162 |  | $ 10,725 |  | $ 518 |  | $ 507 |  | $ 7,951 |  | $ - |  | $ 26,691 |  | $ -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 2,544 |  | $ 26,225 |  | $ 24,277 |  | $ 9,517 |  | $ 8,861 |  | $ 32,208 |  | $ - |  | $ 103,632 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | 408 |  | - |  | 408 |  | -
Substandard | - |  | - |  | - |  | - |  | 104 |  | 1,273 |  | - |  | 1,377 |  | -
Total | $ 2,544 |  | $ 26,225 |  | $ 24,277 |  | $ 9,517 |  | $ 8,965 |  | $ 33,889 |  | $ - |  | $ 105,417 |  | $ -
Residential Consumer Constr./Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,351 |  | $ 13,009 |  | $ 8,882 |  | $ 3,112 |  | $ 1,186 |  | $ 4,169 |  | $ - |  | $ 31,709 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 1,351 |  | $ 13,009 |  | $ 8,882 |  | $ 3,112 |  | $ 1,186 |  | $ 4,169 |  | $ - |  | $ 31,709 |  | $ -
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 18,699 |  | $ 72,926 |  | $ 122,643 |  | $ 108,228 |  | $ 33,042 |  | $ 161,192 |  | $ 75,438 |  | $ 592,168 |  | $ 1,242
Special Mention | 80 |  | - |  | - |  | - |  | 141 |  | 857 |  | 159 |  | 1,237 |  | -
Substandard | - |  | 1,048 |  | 987 |  | 3,648 |  | 1,322 |  | 3,431 |  | 2,771 |  | 13,207 |  | 181
Total | $ 18,779 |  | $ 73,974 |  | $ 123,630 |  | $ 111,876 |  | $ 34,505 |  | $ 165,480 |  | $ 78,368 |  | $ 606,612 |  | $ 1,423
‎ Note 8 – Loans and allowance for credit losses (continued) The table below details the amortized cost of the classes of loans by credit quality indicator and year of origination as of December 31 31, 2023.
| 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 | $ 6,724 |  | $ 4,559 |  | $ 9,091 |  | $ 6,067 |  | $ 2,754 |  | $ 18,429 |  | $ 16,703 |  | $ 64,327 |  | $ 39
Special Mention | 100 |  | - |  | - |  | 132 |  | - |  | - |  | 382 |  | 614 |  | -
Substandard | - |  | 18 |  | 232 |  | - |  | 6 |  | 127 |  | - |  | 383 |  | 181
Total | $ 6,824 |  | $ 4,577 |  | $ 9,323 |  | $ 6,199 |  | $ 2,760 |  | $ 18,556 |  | $ 17,085 |  | $ 65,324 |  | $ 220
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,260 |  | $ 23,120 |  | $ 45,838 |  | $ 7,972 |  | $ 8,988 |  | $ 31,254 |  | $ 1,630 |  | $ 129,062 |  | $ 159
Special Mention | - |  | - |  | - |  | - |  | - |  | 456 |  | - |  | 456 |  | -
Substandard | 94 |  | - |  | - |  | 45 |  | 283 |  | 1,579 |  | - |  | 2,001 |  | -
Total | $ 10,354 |  | $ 23,120 |  | $ 45,838 |  | $ 8,017 |  | $ 9,271 |  | $ 33,289 |  | $ 1,630 |  | $ 131,519 |  | $ 159
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 13,069 |  | $ 52,341 |  | $ 35,419 |  | $ 10,210 |  | $ 4,397 |  | $ 52,583 |  | $ 6,152 |  | $ 174,171 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | 1,173 |  | - |  | - |  | - |  | 1,173 |  | -
Total | $ 13,069 |  | $ 52,341 |  | $ 35,419 |  | $ 11,383 |  | $ 4,397 |  | $ 52,583 |  | $ 6,152 |  | $ 175,344 |  | $ -
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 1,848 |  | $ 3,157 |  | $ 9,869 |  | $ 2,842 |  | $ 628 |  | $ 463 |  | $ 2,768 |  | $ 21,575 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 391 |  | - |  | - |  | - |  | - |  | 391 |  | -
Total | $ 1,848 |  | $ 3,157 |  | $ 10,260 |  | $ 2,842 |  | $ 628 |  | $ 463 |  | $ 2,768 |  | $ 21,966 |  | $ -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 50,042 |  | $ 50,042 |  | $ 1,466
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 240 |  | 240 |  | -
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 50,282 |  | $ 50,282 |  | $ 1,466
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 5,587 |  | $ 11,121 |  | $ 588 |  | $ 529 |  | $ 7,647 |  | $ 601 |  | $ - |  | $ 26,073 |  | $ -
Special Mention | - |  | - |  | - |  | 14 |  | - |  | - |  | - |  | 14 |  | -
Substandard | - |  | - |  | - |  | - |  | 32 |  | 116 |  | - |  | 148 |  | -
Total | $ 5,587 |  | $ 11,121 |  | $ 588 |  | $ 543 |  | $ 7,679 |  | $ 717 |  | $ - |  | $ 26,235 |  | $ -
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 26,854 |  | $ 24,740 |  | $ 10,220 |  | $ 9,007 |  | $ 7,161 |  | $ 25,935 |  | $ - |  | $ 103,917 |  | $ -
Special Mention | - |  | - |  | - |  | - |  | - |  | 1,687 |  | - |  | 1,687 |  | -
Substandard | - |  | - |  | - |  | 105 |  | 54 |  | 1,227 |  | - |  | 1,386 |  | -
Total | $ 26,854 |  | $ 24,740 |  | $ 10,220 |  | $ 9,112 |  | $ 7,215 |  | $ 28,849 |  | $ - |  | $ 106,990 |  | $ -
Residential Consumer Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,762 |  | $ 11,341 |  | $ 3,821 |  | $ 1,414 |  | $ 1,896 |  | $ 2,417 |  | $ - |  | $ 31,651 |  | $ -
Special Mention | - |  | - |  | 22 |  | - |  | - |  | - |  | - |  | 22 |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 10,762 |  | $ 11,341 |  | $ 3,843 |  | $ 1,414 |  | $ 1,896 |  | $ 2,417 |  | $ - |  | $ 31,673 |  | $ -
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 75,104 |  | $ 130,379 |  | $ 114,846 |  | $ 38,041 |  | $ 33,471 |  | $ 131,682 |  | $ 77,295 |  | $ 600,818 |  | $ 1,664
Special Mention | 100 |  | - |  | 22 |  | 146 |  | - |  | 2,143 |  | 382 |  | 2,793 |  | -
Substandard | 94 |  | 18 |  | 623 |  | 1,323 |  | 375 |  | 3,049 |  | 240 |  | 5,722 |  | 181
Total | $ 75,298 |  | $ 130,397 |  | $ 115,491 |  | $ 39,510 |  | $ 33,846 |  | $ 136,874 |  | $ 77,917 |  | $ 609,333 |  | $ 1,845
‎
Gross Charge-Offs By Origination Year |
Current Period Gross Charge-Offs by Origination Year (in thousands)
| 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Total | Revolving Loans Converted to Term
Commercial | $ - | $ 8 | $ - | $ - | $ - | $ - | $ - | $ 8 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 2 | - | 2 | -
Consumer Closed-End | - | - | 55 | - | - | - | - | 55 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | - | - | - | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ - | $ 8 | $ 55 | $ - | $ - | $ 2 | $ - | $ 65 | $ -
| 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total | Revolving Loans Converted to Term
Commercial | $ - | $ - | $ - | $ 17 | $ - | $ 132 | $ - | $ 149 | $ -
Commercial Real Estate: |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Mortgages-Non-Owner Occupied | - | - | - | - | - | - | - | - | -
Commercial Construction/Land | - | - | - | - | - | - | - | - | -
Consumer: |  |  |  |  |  |  |  |  |
Consumer Open-End | - | - | - | - | - | 6 | 7 | 13 | -
Consumer Closed-End | 19 | 33 | 19 | - | - | - | - | 71 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | 3 | - | 3 | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ 19 | $ 33 | $ 19 | $ 17 | $ - | $ 141 | $ 7 | $ 236 | $ -
Loans On Non-Accrual Status |
| CECL
| March 31, 2024
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial Real Estate: |  |  |
Commercial Construction/Land | $ 382 | - | $ 382
Consumer |  |  |
Consumer Open-End | 24 | - | 24
Consumer Closed-End | 152 | - | 152
Total | $ 558 | $ - | $ 558
| CECL
| December 31, 2023
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial Real Estate: |  |  |
Commercial Construction/Land | $ 391 | - | $ 391
Age Analysis Of Past Due Financing Receivables |
Age Analysis of Past Due Loans as of March 31, 2024
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | Investment
2024 |  | 30-59 Days |  |  | 60-89 Days |  |  | than |  |  | Total Past |  |  |  |  |  | Total |  |  | > 90 Days &
|  | Past Due |  |  | Past Due |  |  | 90 Days |  |  | Due |  |  | Current |  |  | Loans |  |  | Accruing
Commercial | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 68,257 |  | $ | 68,257 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 199 |  |  | — |  |  | — |  |  | 199 |  |  | 133,147 |  |  | 133,346 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 172,178 |  |  | 172,178 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 22,364 |  |  | 22,364 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 193 |  |  | — |  |  | 24 |  |  | 217 |  |  | 47,856 |  |  | 48,073 |  |  | —
Consumer Closed-End |  | 19 |  |  | — |  |  | 86 |  |  | 105 |  |  | 26,586 |  |  | 26,691 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 1,105 |  |  | 74 |  |  | — |  |  | 1,179 |  |  | 104,238 |  |  | 105,417 |  |  | —
Residential Consumer Construction/Land |  | 6 |  |  | — |  |  | — |  |  | 6 |  |  | 31,703 |  |  | 31,709 |  |  | —
Total | $ | 1,522 |  | $ | 74 |  | $ | 110 |  | $ | 1,706 |  | $ | 606,329 |  | $ | 608,035 |  | $ | —
Age Analysis of Past Due Loans as of December 31, 2023
2023 |  |  |  |  |  |  |  | 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 | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 65,324 |  | $ | 65,324 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 91 |  |  | — |  |  | — |  |  | 91 |  |  | 131,428 |  |  | 131,519 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 175,344 |  |  | 175,344 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,966 |  |  | 21,966 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | 357 |  |  | — |  |  | — |  |  | 357 |  |  | 49,925 |  |  | 50,282 |  |  | —
Consumer Closed-End |  | 126 |  |  | 89 |  |  | — |  |  | 215 |  |  | 26,020 |  |  | 26,235 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 396 |  |  | — |  |  | — |  |  | 396 |  |  | 106,594 |  |  | 106,990 |  |  | —
Residential Consumer Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,673 |  |  | 31,673 |  |  | —
Total | $ | 970 |  | $ | 89 |  | $ | — |  | $ | 1,059 |  | $ | 608,274 |  | $ | 609,333 |  | $ | —
Allowance For Credit Losses On Unfunded Commitments |
Allowance for Credit Losses on Unfunded Commitments |
Balance, December 31, 2023 | $ 665
Recovery of credit losses | (52)
Balance March 31, 2024 | $ 613
Balance, December 31, 2022 | $ -
Adoption of ASU 2016-13 | 779
Provision for credit losses | 30
Balance March 31, 2023 | $ 809
Changes In OREO Balance |
| Three-months Ended Year Ended
| March 31, 2024 |  | December 31, 2023
Balance at the beginning of the year (net) | $ | — |  | $ | 566
Transfers from loans |  | — |  |  | —
Capitalized costs |  | — |  |  | —
Valuation adjustments |  | — |  |  | (23)
Sales proceeds |  | — |  |  | (540)
Loss on disposition |  | — |  |  | (3)
Balance at the end of the period (net) | $ | — |  | $ | —

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