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Loans And Allowance For Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2024
Loans And Allowance For Credit Losses [Abstract] |
Summary Of Loans, Net |
| As of |  | As of
| September 30, 2024 |  | December 31, 2023
Commercial | $ 60,342 |  | $ 65,324
Commercial Real Estate: |  |  |
Commercial Mortgages-Owner Occupied | 143,791 |  | 131,519
Commercial Mortgages-Non-Owner Occupied | 189,977 |  | 175,344
Commercial Construction/Land | 22,358 |  | 21,966
Consumer: |  |  |
Consumer Open-End | 47,919 |  | 50,282
Consumer Closed-End | 27,171 |  | 26,235
Residential: |  |  |
Residential Mortgages | 114,989 |  | 106,990
Residential Consumer Construction/Land | 27,643 |  | 31,673
Total loans | $ 634,190 |  | $ 609,333
Less allowance for credit losses | 7,078 |  | 7,412
Net loans | $ 627,112 |  | $ 601,921
Amortized Cost Basis Of Collateral Dependent Loans |
Collateral Dependent Loans |  | September 30, 2024
(dollars in thousands) |  | Business/Other Assets |  | Real Estate
Commercial |  | $ 3,866 |  | $ -
Commercial Real Estate |  | - |  | 8,409
Consumer |  | - |  | 605
Residential |  | - |  | 1,261
Total |  | $ 3,866 |  | $ 10,275
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
| (dollars in thousands)
| As of and For the Three Months Ended September 30, 2024
|  |  | Commercial |  |  |  |  |  |
2024 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, June 30, 2024 | $ 606 |  | $ 3,748 |  | $ 897 |  | $ 1,700 |  | $ 6,951
Charge-Offs | - |  | - |  | - |  | - |  | -
Recoveries | 1 |  | 2 |  | 18 |  | - |  | 21
Provision for (recovery of) | (118) |  | 165 |  | (17) |  | 76 |  | 106
Ending Balance, September 30, 2024 | $ 489 |  | $ 3,915 |  | $ 898 |  | $ 1,776 |  | $ 7,078
| As of and For the Nine Months Ended September 30, 2024
| (dollars in thousands)
|  |  | 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) |  | - |  | (76) |  | - |  | (84)
Recoveries | 199 |  | 6 |  | 38 |  | 1 |  | 244
Recovery of | (216) |  | (76) |  | (157) |  | (45) |  | (494)
Ending Balance, September 30, 2024 | $ 489 |  | $ 3,915 |  | $ 898 |  | $ 1,776 |  | $ 7,078
| Allowance for Credit Losses
| (dollars in thousands)
| As of and For the Three Months Ended September 30, 2023
|  |  | Commercial |  |  |  |  |  |
2023 | Commercial |  | Real Estate |  | Consumer |  | Residential |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |
Beginning Balance, June 30, 2023 | $ 571 |  | $ 4,052 |  | $ 1,161 |  | $ 1,802 |  | $ 7,586
Charge-Offs | (120) |  | - |  | (24) |  | - |  | (144)
Recoveries | 2 |  | 1 |  | 3 |  | 2 |  | 8
Provision for (recovery of) | 59 |  | (90) |  | (34) |  | (65) |  | (130)
Ending Balance, September 30, 2023 | $ 512 |  | $ 3,963 |  | $ 1,106 |  | $ 1,739 |  | $ 7,320
| As of and For the Nine Months Ended September 30, 2023
| (dollars in thousands)
|  |  | 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 for (recovery of) | 23 |  | (187) |  | (41) |  | 17 |  | (188)
Ending Balance, September 30, 2023 | $ 512 |  | $ 3,963 |  | $ 1,106 |  | $ 1,739 |  | $ 7,320
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 |  | Revolving Loans Converted to Term |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 8,413 |  | $ 3,897 |  | $ 3,677 |  | $ 7,693 |  | $ 1,419 |  | $ 13,805 |  | $ 16,780 |  | $ 29 |  | $ 55,713
Special Mention | 68 |  | - |  | 45 |  | 84 |  | 121 |  | 2 |  | 384 |  | - |  | 704
Substandard | - |  | 933 |  | 14 |  | 220 |  | - |  | 106 |  | 2,477 |  | 175 |  | 3,925
Total | $ 8,481 |  | $ 4,830 |  | $ 3,736 |  | $ 7,997 |  | $ 1,540 |  | $ 13,913 |  | $ 19,641 |  | $ 204 |  | $ 60,342
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 20,272 |  | $ 9,132 |  | $ 21,849 |  | $ 40,684 |  | $ 7,271 |  | $ 36,987 |  | $ 826 |  | $ 155 |  | $ 137,176
Special Mention | - |  | - |  | - |  | - |  | - |  | 700 |  | - |  | - |  | 700
Substandard | - |  | 93 |  | - |  | 2,945 |  | 44 |  | 2,833 |  | - |  | - |  | 5,915
Total | $ 20,272 |  | $ 9,225 |  | $ 21,849 |  | $ 43,629 |  | $ 7,315 |  | $ 40,520 |  | $ 826 |  | $ 155 |  | $ 143,791
Commercial Mort. - Non-Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 32,420 |  | $ 12,360 |  | $ 49,899 |  | $ 27,855 |  | $ 9,828 |  | $ 50,634 |  | $ 5,808 |  | $ - |  | $ 188,804
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | 1,173 |  | - |  | - |  | - |  | 1,173
Total | $ 32,420 |  | $ 12,360 |  | $ 49,899 |  | $ 27,855 |  | $ 11,001 |  | $ 50,634 |  | $ 5,808 |  | $ - |  | $ 189,977
Commercial Construction/Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 3,906 |  | $ 2,804 |  | $ 774 |  | $ 9,577 |  | $ 2,035 |  | $ 1,038 |  | $ 904 |  | $ - |  | $ 21,038
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | 957 |  | 363 |  | - |  | - |  | - |  | - |  | 1,320
Total | $ 3,906 |  | $ 2,804 |  | $ 1,731 |  | $ 9,940 |  | $ 2,035 |  | $ 1,038 |  | $ 904 |  | $ - |  | $ 22,358
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer - Open-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 46,021 |  | $ 1,471 |  | $ 47,492
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 427 |  | - |  | 427
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 46,448 |  | $ 1,471 |  | $ 47,919
Consumer - Closed-End |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 4,413 |  | $ 4,757 |  | $ 9,907 |  | $ 426 |  | $ 434 |  | $ 6,795 |  | $ - |  | $ - |  | $ 26,732
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | 38.00 |  | - |  | 209 |  | - |  | - |  | 192 |  | - |  | - |  | 439
Total | $ 4,451 |  | $ 4,757 |  | $ 10,116 |  | $ 426 |  | $ 434 |  | $ 6,987 |  | $ - |  | $ - |  | $ 27,171
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 17,828 |  | $ 24,198 |  | $ 23,223 |  | $ 9,166 |  | $ 8,551 |  | $ 30,003 |  | $ - |  | $ - |  | $ 112,969
Special Mention | - |  | - |  | - |  | - |  | - |  | 398 |  | - |  | - |  | 398
Substandard | - |  | - |  | 270 |  | - |  | 103 |  | 1,249 |  | - |  | - |  | 1,622
Total | $ 17,828 |  | $ 24,198 |  | $ 23,493 |  | $ 9,166 |  | $ 8,654 |  | $ 31,650 |  | $ - |  | $ - |  | $ 114,989
Residential Consumer Constr./Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 9,853 |  | $ 8,854 |  | $ 2,908 |  | $ 1,201 |  | $ 859 |  | $ 3,968 |  | $ - |  | $ - |  | $ 27,643
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total | $ 9,853 |  | $ 8,854 |  | $ 2,908 |  | $ 1,201 |  | $ 859 |  | $ 3,968 |  | $ - |  | $ - |  | $ 27,643
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 97,105 |  | $ 66,002 |  | $ 112,237 |  | $ 96,602 |  | $ 30,397 |  | $ 143,230 |  | $ 70,339 |  | $ 1,655 |  | $ 617,567
Special Mention | 68 |  | - |  | 45 |  | 84 |  | 121 |  | 1,100 |  | 384 |  | - |  | 1,802
Substandard | 38 |  | 1,026 |  | 1,450 |  | 3,528 |  | 1,320 |  | 4,380 |  | 2,904 |  | 175 |  | 14,821
Total | $ 97,211 |  | $ 67,028 |  | $ 113,732 |  | $ 100,214 |  | $ 31,838 |  | $ 148,710 |  | $ 73,627 |  | $ 1,830 |  | $ 634,190
‎ 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, 2023.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 6,086 |  | $ 4,559 |  | $ 9,091 |  | $ 6,067 |  | $ 2,754 |  | $ 18,429 |  | $ 17,302 |  | $ 39 |  | $ 64,327
Special Mention | 100 |  | - |  | - |  | 132 |  | - |  | - |  | 382 |  | - |  | 614
Substandard | - |  | 18 |  | 51 |  | - |  | 6 |  | 127 |  | - |  | 181 |  | 383
Total | $ 6,186 |  | $ 4,577 |  | $ 9,142 |  | $ 6,199 |  | $ 2,760 |  | $ 18,556 |  | $ 17,684 |  | $ 220 |  | $ 65,324
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mort. - Owner Occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ 10,260 |  | $ 23,120 |  | $ 45,838 |  | $ 7,972 |  | $ 8,988 |  | $ 31,254 |  | $ 1,471 |  | $ 159 |  | $ 129,062
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 |  | $ 1,471 |  | $ 159 |  | $ 131,519
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 | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,576 |  | $ 1,466 |  | $ 50,042
Special Mention | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Substandard | - |  | - |  | - |  | - |  | - |  | - |  | 240 |  | - |  | 240
Total | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ - |  | $ 48,816 |  | $ 1,466 |  | $ 50,282
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 | $ 74,466 |  | $ 130,379 |  | $ 114,846 |  | $ 38,041 |  | $ 33,471 |  | $ 131,682 |  | $ 76,269 |  | $ 1,664 |  | $ 600,818
Special Mention | 100 |  | - |  | 22 |  | 146 |  | - |  | 2,143 |  | 382 |  | - |  | 2,793
Substandard | 94 |  | 18 |  | 442 |  | 1,323 |  | 375 |  | 3,049 |  | 240 |  | 181 |  | 5,722
Total | $ 74,660 |  | $ 130,397 |  | $ 115,310 |  | $ 39,510 |  | $ 33,846 |  | $ 136,874 |  | $ 76,891 |  | $ 1,845 |  | $ 609,333
‎
Gross Charge-Offs By Origination Year |
Current Period Gross Charge-Offs by Origination Year (in thousands)
As of September 30, 2024 | 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 | - | - | 74 | - | - | - | - | 74 | -
Residential: |  |  |  |  |  |  |  |  |
Residential Mortgages | - | - | - | - | - | - | - | - | -
Residential Consumer Construction/Land | - | - | - | - | - | - | - | - | -
Total | $ - | $ 8 | $ 74 | $ - | $ - | $ 2 | $ - | $ 84 | $ -
As of December 31, 2023 | 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 |
| September 30, 2024
| Nonaccrual Loans
| With No Allowance | With an Allowance | Total
Commercial | $ 399 | $ - | $ 399
Commercial Real Estate: |  |  |
Commercial Construction/Land | 363 | - | 363
Consumer: |  |  |
Consumer Closed-End | 263 | - | 263
Residential Mortgages | 270 | - | 270
Total | $ 1,295 | $ - | $ 1,295
| 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 September 30, 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 | $ | 56 |  | $ | — |  | $ | — |  | $ | 56 |  | $ | 60,286 |  | $ | 60,342 |  | $ | —
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Mortgages-Owner Occupied |  | 93 |  |  | — |  |  | — |  |  | 93 |  |  | 143,698 |  |  | 143,791 |  |  | —
Commercial Mortgages-Non-Owner Occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 189,977 |  |  | 189,977 |  |  | —
Commercial Construction/Land |  | — |  |  | — |  |  | — |  |  | — |  |  | 22,358 |  |  | 22,358 |  |  | —
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer Open-End |  | — |  |  | — |  |  | — |  |  | — |  |  | 47,919 |  |  | 47,919 |  |  | —
Consumer Closed-End |  | — |  |  | 76 |  |  | 125 |  |  | 201 |  |  | 26,970 |  |  | 27,171 |  |  | —
Residential: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Mortgages |  | 438 |  |  | 202 |  |  | 99 |  |  | 739 |  |  | 114,250 |  |  | 114,989 |  |  | —
Residential Consumer Construction/Land |  | — |  |  | 4 |  |  | — |  |  | 4 |  |  | 27,639 |  |  | 27,643 |  |  | —
Total | $ | 587 |  | $ | 282 |  | $ | 224 |  | $ | 1,093 |  | $ | 633,097 |  | $ | 634,190 |  | $ | —
Age Analysis of Past Due Loans as of December 31, 2023
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
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 (in thousands) |
Balance, June 30, 2024 | $ 589
Recovery of credit losses | (14)
Balance September 30, 2024 | $ 575
Balance, December 31, 2023 | $ 665
Recovery of credit losses | (90)
Balance September 30, 2024 | $ 575
Balance, June 30, 2023 | $ 723
Recovery of credit losses | (33)
Balance September 30, 2023 | $ 690
Balance, December 31, 2022 | $ -
Adoption of ASU 2016-13 | 779
Recovery of credit losses | (89)
Balance September 30, 2023 | $ 690
Changes In OREO Balance |
OREO Changes
| Nine Months Ended |  | Year Ended
(in thousands) | September 30, 2024 |  | December 31, 2023
Balance at the beginning of the year | $ | — |  | $ | 566
Transfers from Loans |  | — |  |  | —
Capitalized costs |  | — |  |  | —
Valuation adjustments |  | — |  |  | (23)
Sales proceeds |  | — |  |  | (540)
Loss on sales |  | — |  |  | (3)
Balance at the end of the year | $ | — |  | $ | —

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