Loans and Allowance for Credit Losses

12 Months Ended

Dec. 31, 2024

Loans and Allowance for Credit Losses [Abstract]

Loans and Allowance for Credit Losses

(3) Loans and Allowance for Credit Losses

The composition of the Company’s loan portfolio, by loan class, as of December 31, is as follows:

	2024			2023
Commercial	$	117,921		$	106,897
Commercial Real Estate		723,650			721,729
Agriculture		92,564			105,838
Residential Mortgage		105,886			107,328
Residential Construction		6,858			12,323
Consumer		15,716			14,868
		1,062,595			1,068,983
Allowance for credit losses		(15,885	)		(16,596	)
Net deferred origination fees and costs		142			78
Loans, net	$	1,046,852		$	1,052,465

At December 31, 2024 and 2023, all loans were pledged under a blanket collateral lien to secure actual and potential borrowings from the Federal Home Loan Bank.
 
Allowance for Credit Losses

The following table summarizes the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the Consolidated Balance Sheets within other liabilities as of December 31, 2024:

	Allowance for Credit Losses – Year ended December 31, 2024
($ in thousands)	Beginning balance		Charge-offs			Recoveries		Provision (Recovery)			Ending Balance
Commercial	$	2,041	$	(956	)	$	60	$	477		$	1,622
Commercial Real Estate		10,864		—			—		(619	)		10,245
Agriculture		997		—			—		558			1,555
Residential Mortgage		2,005		—			—		(226	)		1,779
Residential Construction		334		—			—		99			433
Consumer		355		(28	)		13		(89	)		251
Allowance for credit losses on loans		16,596		(984	)		73		200			15,885
Reserve for unfunded commitments		1,150		—			—		(450	)		700
Total	$	17,746	$	(984	)	$	73	$	(250	)	$	16,585

The following table summarizes the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the Consolidated Balance Sheets within other liabilities as of December 31, 2023:

	Allowance for Credit Losses – Year ended December 31, 2023
($ in thousands)	Beginning balance		Adoption of CECL			Charge-offs			Recoveries		Provision (Recovery)			Ending Balance
Commercial	$	1,491	$	689		$	(366	)	$	235	$	(8	)	$	2,041
Commercial Real Estate		10,259		(513	)		—			—		1,118			10,864
Agriculture		1,789		(742	)		(2,567	)		2,567		(50	)		997
Residential Mortgage		896		923			(3	)		—		189			2,005
Residential Construction		181		221			—			—		(68	)		334
Consumer		176		222			(13	)		1		(31	)		355
Allowance for credit losses on loans		14,792		800			(2,949	)		2,803		1,150			16,596
Reserve for unfunded commitments		700		500			—			—		(50	)		1,150
Total	$	15,492	$	1,300		$	(2,949	)	$	2,803	$	1,100		$	17,746

The Company utilizes two economic variables, forecasted unemployment and gross domestic product, as loss drivers for its allowance for credit losses. The Company moved from California state loss drivers to national loss drivers at the beginning of 2024. The reason for the change is a higher credit loss correlation between the national loss driver variables than the state loss driver variables. The levels of forecasted national unemployment and forecasted gross domestic product are forecasted to be relatively stable. A decrease in unfunded commitments was the primary driver for the reversal of provision expense of $250 recognized for the year ended December

31, 2024. Management believes that the allowance for credit losses at December 31, 2024 appropriately reflected expected credit losses in the loan portfolio at that date.

Collateral-Dependent Loans

In accordance with ASC 326, a loan is considered collateral-dependent when the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. All loans individually analyzed were collateral-dependent loans as of December 31, 2024 and December 31, 2023. The following table presents the amortized cost basis of collateral-dependent loans by class, which are individually evaluated to determine expected credit losses as of December 31, 2024 and December 31, 2023:

December 31, 2024
($ in thousands)	Secured by 1-4 Family Residential Properties-1st lien		Secured by 1-4 Family Residential Properties- junior lien		Secured by 1-4 Family Residential Properties- revolving		Commercial		Construction and land development
Commercial	$	—	$	—	$	—	$	139	$	—
Commercial Real Estate		—		—		—		—		—
Agriculture		—		—		—		—		—
Residential Mortgage		202		—		—		—		—
Residential Construction		—		—		—		—		—
Consumer		—		282		360		—		—
Total	$	202	$	282	$	360	$	139	$	—

($ in thousands)	Secured by farmland		Agriculture production loans		Loans secured by owner- occupied, nonfarm nonresidential properties		Loans secured by other nonfarm nonresidential properties		Total
Commercial	$	—	$	—	$	—	$	—	$	139
Commercial Real Estate		—		—		—		7,993		7,993
Agriculture		740		1,496		—		—		2,236
Residential Mortgage		—		—		—		—		202
Residential Construction		—		—		—		—		—
Consumer		—		—		—		—		642
Total	$	740	$	1,496	$	—	$	7,993	$	11,212

December 31, 2023
($ in thousands)	Secured by 1-4 Family Residential Properties-1st lien		Secured by 1-4 Family Residential Properties- junior lien		Secured by 1-4 Family Residential Properties- revolving		Commercial		Construction and land development
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial Real Estate		—		—		—		—		—
Agriculture		—		—		—		—		—
Residential Mortgage		424		—		—		—		—
Residential Construction		—		—		—		—		—
Consumer		—		351		352		—		—
Total	$	424	$	351	$	352	$	—	$	—

($ in thousands)	Secured by farmland		Agriculture production loans		Loans secured by owner- occupied, nonfarm nonresidential properties		Loans secured by other nonfarm nonresidential properties		Total
Commercial	$	—	$	—	$	—	$	—	$	—
Commercial Real Estate		—		—		—		—		—
Agriculture		946		1,925		—		—		2,871
Residential Mortgage		—		—		—		—		424
Residential Construction		—		—		—		—		—
Consumer		—		—		—		—		703
Total	$	946	$	1,925	$	—	$	—	$	3,998

Foreclosure Proceedings

The Company had no residential real estate property in the process of foreclosure at December 31, 2024 and December 31, 2023.

Non-accrual and Past Due Loans

The Company’s loans by delinquency and non-accrual status, as of December 31, 2024 and December 31, 2023, was as follows:

($ in thousands)	30-59 days Past Due & Accruing		60-89 days Past Due & Accruing		90 days or More Past Due & Accruing		Nonaccrual Loans		Total Past Due & Nonaccrual Loans		Current & Accruing Loans		Total Loans		Nonaccrual loans with No ACL
December 31, 2024
Commercial	$	2,287	$	—	$	—	$	139	$	2,426	$	115,495	$	117,921	$	139
Commercial Real Estate		—		—		—		7,993		7,993		715,657		723,650		7,993
Agriculture		1,354		500		—		2,236		4,090		88,474		92,564		2,236
Residential Mortgage		749		—		—		202		951		104,935		105,886		202
Residential Construction		—		—		—		—		—		6,858		6,858		—
Consumer		—		10		—		642		652		15,064		15,716		642
Total	$	4,390	$	510	$	—	$	11,212	$	16,112	$	1,046,483	$	1,062,595	$	11,212
December 31, 2023
Commercial	$	91	$	178	$	—	$	—	$	269	$	106,628	$	106,897	$	—
Commercial Real Estate		—		—		—		—		—		721,729		721,729		—
Agriculture		—		—		—		2,871		2,871		102,967		105,838		2,871
Residential Mortgage		976		—		916		424		2,316		105,012		107,328		424
Residential Construction		—		—		3,420		—		3,420		8,903		12,323		—
Consumer		194		—		—		703		897		13,971		14,868		703
Total	$	1,261	$	178	$	4,336	$	3,998	$	9,773	$	1,059,210	$	1,068,983	$	3,998

The Company recognized $450 and $1,626 of interest income on nonaccrual loans during the years ended December 31, 2024 and December 31, 2023, respectively.

Loan Modifications

Occasionally, the Company modifies loans to borrowers in financial difficulty by providing principal forgiveness, term extension, payment delays or interest rate reduction. When principal forgiveness is provided, the amount of forgiveness is charged-off against the ACL.

In some cases, the Company provides multiple types of concessions on one loan. Typically, one type of concession, such as a term extension, is granted initially. If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted. For the loans included in the “combination” columns below, multiple types of modifications have been made on the same loan within the current reporting period. The combination is at least two of the following: a term extension, principal forgiveness, an other-than-insignificant payment delay and/or an interest rate reduction.

The following tables present the amortized cost basis of loans that were experiencing both financial difficulty and modification during the periods indicated, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below.

The amortized cost basis of loans that were experiencing both financial difficulty and modification during the year ended December 31, 2024 were as follows:

($ in thousands)	Term Extension		Combination Term Extension and Interest Rate Reduction		Total Class of Financing Receivable
Commercial	$	1,832	$	45		1.59	%
Commercial Real Estate		—		—		—
Agriculture		—		—		—
Residential Mortgage		—		—		—
Residential Construction		—		—		—
Consumer		—		—		—
Total	$	1,832	$	45		0.18	%

The Company had no commitments to lend additional funds to borrowers whose loans were modified at December 31, 2024.

The amortized cost basis of loans that were experiencing both financial difficulty and modification during the year ended December 31, 2023 were as follows:

($ in thousands)	Term Extension		Combination Term Extension and Interest Rate Reduction		Total Class of Financing Receivable
Commercial	$	1,990	$	41		1.90	%
Commercial Real Estate		—		395		0.05	%
Agriculture		4,005		—		3.78	%
Residential Mortgage		—		—		—
Residential Construction		3,420		—		27.75	%
Consumer		—		—		—
Total	$	9,415	$	436		0.92	%

The Company had no commitments to lend additional funds to borrowers whose loans were modified at December 31, 2023.

The following table presents the financial effect of the loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2024:

($ in thousands)	Weighted-Average Interest Rate Reduction			Weighted-Average Term Extension (in months)
Commercial		3.00	%	$	9
Commercial Real Estate		—			—
Agriculture		—			—
Residential Mortgage		—			—
Residential Construction		—			—
Consumer		—			—
Total		3.00	%	$	9

The following table presents the financial effect of the loan modifications to borrowers experiencing financial difficulty during the year ended December 31, 2023:

($ in thousands)	Weighted-Average Interest Rate Reduction			Weighted-Average Term Extension (in months)
Commercial		0.50	%	$	3
Commercial Real Estate		0.25	%		26
Agriculture		—			4
Residential Mortgage		—			—
Residential Construction		—			1
Consumer		—			—
Total		0.27	%	$	3

Loans that were modified within the previous twelve months were current on payments as of December 31, 2024. There were no loans modified within the previous twelve months and for which there was a payment default during the year ended December 31, 2024. There were two agricultural loans totaling $4,005 and a residential construction loan totaling $3,420 that were modified within the previous twelve months and for which there was a payment default during the year ended December 31, 2023. In 2023, the Company recorded charge-offs on two agricultural loans totaling $2,567 that were subsequently recovered later in the year at payoff. The residential construction loan was 90 days or more past due as of December 31, 2023 and was subsequently paid off in 2024.

Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently become uncollectible, the loan (or a portion of the loan) is written off.  Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the ACL is adjusted by the same amount.

Credit Quality Indicators

All new loans are rated using the credit risk ratings and criteria adopted by the Company. Risk ratings are adjusted as future circumstances warrant. All credits risk rated 1, 2, 3 or 4 equate to a Pass as indicated by Federal and State regulatory agencies; a 5 equates to a Special Mention; a 6 equates to Substandard; a 7 equates to Doubtful; and an 8 equates to a Loss. General definitions for each risk rating are as follows:

Risk Rating “1” – Pass (High Quality):  This category is reserved for loans fully secured by Company CDs or savings accounts and properly margined (as defined in the Company’s Credit Policy) and actively traded securities (including stocks, as well as corporate, municipal and U.S. Government bonds).

Risk Rating “2” – Pass (Above Average Quality): This category is reserved for borrowers with strong balance sheets that are well structured with manageable levels of debt and good liquidity. Cash flow is sufficient to service all debt, including the Company’s, as agreed. Historical earnings, cash flow, and payment performance have all been strong and trends are positive and consistent.  Collateral protection is better than the Company’s Credit Policy guidelines.

Risk Rating “3” – Pass (Average Quality): Credits within this category are considered to be of average, but acceptable, quality.  Loan characteristics, including term and collateral advance rates, meet the Company’s Credit Policy guidelines; unsecured lines to borrowers with above average liquidity and cash flow may be considered for this category; the borrower’s financial strength is well documented, with adequate, but consistent, cash flow to meet all obligations. Liquidity should be sufficient and leverage should be moderate. Monitoring of collateral may be required, including a borrowing base or construction budget. Alternative financing is typically available.

Risk Rating “4” – Pass (Below Average Quality): Credits within this category are considered sound, but merit additional attention due to industry concentrations within the borrower’s customer base, problems within their industry, deteriorating financial or earnings trends, declining collateral values, increased frequency of past due payments and/or overdrafts, discovery of documentation deficiencies which may impair our borrower’s ability to repay, or the Company’s ability to liquidate collateral. Financial performance is average but inconsistent. There also may be changes of ownership, management or professional advisors, which could be detrimental to the borrower’s future performance.

Risk Rating “5” – Special Mention (Criticized): Loans in this category are currently protected by their collateral value and have no loss potential identified, but have potential weaknesses which may, if not monitored or corrected, weaken our ability to collect payments from the borrower or satisfactorily liquidate our collateral position. Loans where terms have been modified due to their failure to perform as agreed may be included in this category. Adverse trends in the borrower’s operation, such as reporting losses or inadequate cash flow, increasing and unsatisfactory leverage, or an adverse change in economic or market conditions may have weakened the borrower’s business and impaired their ability to repay based on original terms. The condition or value of the collateral has deteriorated to the point where adequate protection for our loan may be jeopardized in the future. Loans in this category are in transition and, generally, do not remain in this category beyond 12 months. During this time, efforts are focused on strategies aimed at upgrading the credit or locating alternative financing.

Risk Rating “6” – Substandard (Classified): Loans in this category are inadequately protected by the borrower’s net worth, capacity to repay or collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the repayment of the debt. There exists a strong possibility of loss if the deficiencies are not corrected. Loans that are dependent on the liquidation of collateral to repay are included in this category, as well as borrowers in bankruptcy or where legal action is required to effect collection of our debt.

Risk Rating “7” – Doubtful (Classified): Loans in this category indicate all of the weaknesses of a Substandard classification, however, collection of loan principal, in full, is highly questionable and improbable; possibility of loss is very high, but there is still a possibility that certain collection strategies may, yet, be successful, rendering a definitive loss difficult to estimate, at this time. Loans in this category are in transition and, generally, do not remain in this category more than 6 months.

Risk Rating “8” – Loss (Classified):

Active Charge-Off. Loans in this category are considered uncollectible and of such little value that their removal from the Company’s books is required. The charge-off is pending or already processed. Collateral positions have been or are in the process of being liquidated and the borrower/guarantor may or may not be cooperative in repayment of the debt. Recovery prospects are unknown, but the Company is actively engaged in the collection of the loan.

Inactive Charge-Off. Loans in this category are considered uncollectible and of such little value that their removal from the Company’s books is required. The charge-off is pending or already processed. Collateral positions have been liquidated and the

borrower/guarantor has nothing of any value remaining to apply to the repayment of our loan. Any further collection activities would be of little value.

The following tables present the loan portfolio by loan class, origination year, and internal risk rating as of December 31, 2024 and December 31, 2023. Generally, existing term loans that were re-underwritten are reflected in the table in the year of renewal. Lines of credit that have a conversion feature at the time of origination, such as construction to permanent loans, are presented by year of origination. Revolving loans converted to term loans totaled $3,121 and $881 as of December 31, 2024 and December 31, 2023, respectively.

(in thousands)
	Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024
	2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis		Total
Commercial
Pass	$	36,065		$	14,319		$	11,885		$	11,894		$	3,442		$	8,030		$	27,272	$	112,907
Special Mention		—			—			874			1,561			—			—			1,590		4,025
Substandard		227			—			—			32			471			—			259		989
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Commercial loans	$	36,292		$	14,319		$	12,759		$	13,487		$	3,913		$	8,030		$	29,121	$	117,921
Year-to-date Charge-offs		(47	)		(508	)		(224	)		(5	)		(163	)		(9	)		—		(956	)
Year-to-date Recoveries		—			—			4			—			—			56			—		60
Year-to-date Net Charge-offs		(47	)		(508	)		(220	)		(5	)		(163	)		47			—		(896	)
Commercial Real Estate
Pass	$	68,278		$	113,937		$	178,142		$	160,484		$	39,913		$	121,862		$	6,529	$	689,145
Special Mention		2,909			—			—			7,156			—			5,737			—		15,802
Substandard		—			381			—			2,052			1,638			14,632			—		18,703
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Commercial Real Estate loans	$	71,187		$	114,318		$	178,142		$	169,692		$	41,551		$	142,231		$	6,529	$	723,650
Year-to-date Charge-offs		—			—			—			—			—			—			—		—
Year-to-date Recoveries		—			—			—			—			—			—			—		—
Year-to-date Net Charge-offs		—			—			—			—			—			—			—		—
Agriculture
Pass	$	4,857		$	6,562		$	14,846		$	17,245		$	5,675			10,252		$	20,420	$	79,857
Special Mention		—			—			3,884			5,477			726			—			300		10,387
Substandard		—			—			—			740			—			—			1,580		2,320
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Agriculture loans	$	4,857		$	6,562		$	18,730		$	23,462		$	6,401		$	10,252		$	22,300	$	92,564
Year-to-date Charge-offs		—			—			—			—			—			—			—		—
Year-to-date Recoveries		—			—			—			—			—			—			—		—
Year-to-date Net Charge-offs		—			—			—			—			—			—			—		—

(in thousands)
	Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2024
	2024			2023			2022			2021			2020			Prior			Revolving Loans Amortized Cost Basis		Total
Residential Mortgage
Pass	$	4,873		$	20,162		$	22,408		$	26,123		$	13,233		$	18,886		$	—	$	105,685
Special Mention		—			—			—			—			—			—			—		—
Substandard		79			—			—			34			—			88			—		201
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Residential Mortgage loans	$	4,952		$	20,162		$	22,408		$	26,157		$	13,233		$	18,974		$	—	$	105,886
Year-to-date Charge-offs		—			—			—			—			—			—			—		—
Year-to-date Recoveries		—			—			—			—			—			—			—		—
Year-to-date Net Charge-offs		—			—			—			—			—			—			—		—
Residential Construction
Pass	$	1,525		$	2,117		$	1,998		$	1,218		$	—		$	—		$	—	$	6,858
Special Mention		—			—			—			—			—			—			—		—
Substandard		—			—			—			—			—			—			—		—
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Residential Construction loans	$	1,525		$	2,117		$	1,998		$	1,218		$	—		$	—		$	—	$	6,858
Year-to-date Charge-offs		—			—			—			—			—			—			—		—
Year-to-date Recoveries		—			—			—			—			—			—			—		—
Year-to-date Net Charge-offs		—			—			—			—			—			—			—		—
Consumer
Pass	$	212		$	145		$	1,129		$	109		$	122		$	286		$	13,071	$	15,074
Special Mention		—			—			—			—			—			—			—		—
Substandard		—			—			—			—			—			—			642		642
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Consumer loans	$	212		$	145		$	1,129		$	109		$	122		$	286		$	13,713	$	15,716
Year-to-date Charge-offs		(28	)		—			—			—			—			—			—		(28	)
Year-to-date Recoveries		10			—			—			—			—			3			—		13
Year-to-date Net Charge-offs		(18	)		—			—			—			—			3			—		(15	)
Total Loans
Pass	$	115,810		$	157,242		$	230,408		$	217,073		$	62,385		$	159,316		$	67,292	$	1,009,526
Special Mention		2,909			—			4,758			14,194			726			5,737			1,890		30,214
Substandard		306			381			—			2,858			2,109			14,720			2,481		22,855
Doubtful/Loss		—			—			—			—			—			—			—		—
Total Loans	$	119,025		$	157,623		$	235,166		$	234,125		$	65,220		$	179,773		$	71,663	$	1,062,595
Year-to-date Charge-offs	$	(75	)	$	(508	)	$	(224	)	$	(5	)	$	(163	)	$	(9	)	$	—	$	(984	)
Year-to-date Recoveries	$	10		$	—		$	4		$	—		$	—		$	59		$	—	$	73
Year-to-date Net Charge-offs	$	(65	)	$	(508	)	$	(220	)	$	(5	)	$	(163	)	$	50		$	—	$	(911	)

(in thousands)
	Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023
	2023			2022			2021			2020		2019			Prior		Revolving Loans Amortized Cost Basis			Total
Commercial
Pass	$	19,776		$	16,961		$	15,833		$	5,381	$	7,420		$	6,298	$	26,183		$	97,852
Special Mention		—			1,122			2,530			235		308			—		2,936			7,131
Substandard		—			32			1,152			542		—			—		188			1,914
Doubtful/Loss		—			—			—			—		—			—		—			—
Total Commercial loans	$	19,776		$	18,115		$	19,515		$	6,158	$	7,728		$	6,298	$	29,307		$	106,897
Year-to-date Charge-offs		(47	)		(196	)		(36	)		—		(87	)		—		—			(366	)
Year-to-date Recoveries		—			—			—			—		87			148		—			235
Year-to-date Net Charge-offs		(47	)		(196	)		(36	)		—		—			148		—			(131	)
Commercial Real Estate
Pass	$	115,807		$	173,918		$	191,907		$	50,150	$	52,157		$	107,909	$	6,879		$	698,727
Special Mention		—			—			7,448			—		2,869			1,273		—			11,590
Substandard		395			—			1,712			1,684		6,604			1,017		—			11,412
Doubtful/Loss		—			—			—			—		—			—		—			—
Total Commercial Real Estate loans	$	116,202		$	173,918		$	201,067		$	51,834	$	61,630		$	110,199	$	6,879		$	721,729
Year-to-date Charge-offs		—			—			—			—		—			—		—			—
Year-to-date Recoveries		—			—			—			—		—			—		—			—
Year-to-date Net Charge-offs		—			—			—			—		—			—		—			—
Agriculture
Pass	$	6,842		$	16,985		$	20,511		$	8,792	$	2,509			11,437	$	29,893		$	96,969
Special Mention		—			1,937			2,996			—		—			1,064		—			5,997
Substandard		—			—			946			—		1,926			—		—			2,872
Doubtful/Loss		—			—			—			—		—			—		—			—
Total Agriculture loans	$	6,842		$	18,922		$	24,453		$	8,792	$	4,435		$	12,501	$	29,893		$	105,838
Year-to-date Charge-offs		(1,825	)		—			—			—		—			—		(742	)		(2,567	)
Year-to-date Recoveries		1,825			—			—			—		—			—		742			2,567
Year-to-date Net Charge-offs		—			—			—			—		—			—		—			—

(in thousands)
	Term Loans Amortized Cost Basis by Origination Year - As of December 31, 2023
	2023			2022			2021			2020		2019			Prior			Revolving Loans Amortized Cost Basis			Total
Residential Mortgage
Pass	$	20,239		$	24,906		$	26,429		$	14,500	$	5,481		$	15,349		$	—		$	106,904
Special Mention		—			—			—			—		—			—			—			—
Substandard		—			—			39			—		—			385			—			424
Doubtful/Loss		—			—			—			—		—			—			—			—
Total Residential Mortgage loans	$	20,239		$	24,906		$	26,468		$	14,500	$	5,481		$	15,734		$	—		$	107,328
Year-to-date Charge-offs		—			—			—			—		—			(3	)		—			(3	)
Year-to-date Recoveries		—			—			—			—		—			—			—			—
Year-to-date Net Charge-offs		—			—			—			—		—			(3	)		—			(3	)
Residential Construction
Pass	$	3,714		$	1,991		$	3,198		$	—	$	—		$	—		$	—		$	8,903
Special Mention		—			—			—			—		—			—			—			—
Substandard		—			3,420			—			—		—			—			—			3,420
Doubtful/Loss		—			—			—			—		—			—			—			—
Total Residential Construction loans	$	3,714		$	5,411		$	3,198		$	—	$	—		$	—		$	—		$	12,323
Year-to-date Charge-offs		—			—			—			—		—			—			—			—
Year-to-date Recoveries		—			—			—			—		—			—			—			—
Year-to-date Net Charge-offs		—			—			—			—		—			—			—			—
Consumer
Pass	$	350		$	758		$	133		$	149	$	70		$	273		$	12,516		$	14,249
Special Mention		—			—			—			—		—			—			—			—
Substandard		—			—			—			—		—			—			619			619
Doubtful/Loss		—			—			—			—		—			—			—			—
Total Consumer loans	$	350		$	758		$	133		$	149	$	70		$	273		$	13,135		$	14,868
Year-to-date Charge-offs		(13	)		—			—			—		—			—			—			(13	)
Year-to-date Recoveries		—			—			—			—		—			1			—			1
Year-to-date Net Charge-offs		(13	)		—			—			—		—			1			—			(12	)
Total Loans
Pass	$	166,728		$	235,519		$	258,011		$	78,972	$	67,637		$	141,266		$	75,471		$	1,023,604
Special Mention		—			3,059			12,974			235		3,177			2,337			2,936			24,718
Substandard		395			3,452			3,849			2,226		8,530			1,402			807			20,661
Doubtful/Loss		—			—			—			—		—			—			—			—
Total Loans	$	167,123		$	242,030		$	274,834		$	81,433	$	79,344		$	145,005		$	79,214		$	1,068,983
Year-to-date Charge-offs	$	(1,885	)	$	(196	)	$	(36	)	$	—	$	(87	)	$	(3	)	$	(742	)	$	(2,949	)
Year-to-date Recoveries	$	1,825		$	—		$	—		$	—	$	87		$	149		$	742		$	2,803
Year-to-date Net Charge-offs	$	(60	)	$	(196	)	$	(36	)	$	—	$	—		$	146		$	—		$	(146	)