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Loans and Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2024
Loans and Allowance for Credit Losses [Abstract]  
Loan Portfolio, by Loan Class
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
  
Activity in ACL on Loans by Loan Class
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
  
Amortized Cost of Collateral Dependent Loans by Class 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
  
Loans by Delinquency and Non-Accrual Status
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  
Amortized Cost Basis of Loans Modified to Borrowers Experiencing Financial Difficulty and Financial Effects of Loan Modifications
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
  
Risk Ratings by Loan Class
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
)