ALLOWANCE FOR CREDIT LOSSES FOR LOANS (“ACLL”) (Tables)

6 Months Ended

Jun. 30, 2025

Allowance For Credit Losses For Loans

ALLOWANCE FOR CREDIT LOSSES FOR LOANS ("ACLL")

		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Total
Three months ended June 30, 2025
Beginning balance	$	2,592	$	316	$	2,909	$	372	$	155	$	771	$	114	$	603	$	7,832
Charge-offs		-		-		-		-		-		-		(50)		(55)		(105)
Recoveries		-		11		12		3		-		1		-		39		66
Provision for credit losses		(31)		33		77		57		27		(35)		(2)		29		155
Ending balance	$	2,561	$	360	$	2,998	$	432	$	182	$	737	$	62	$	616	$	7,948
		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Total
Six months ended June 30, 2025
Beginning balance	$	12,565	$	322	$	2,923	$	382	$	149	$	751	$	36	$	556	$	7,684
Charge-offs		-		-		-		-		-		(18)		(50)		(115)		(183)
Recoveries		-		26		22		6		3		2		-		66		125
Provision for credit losses		(4)		12		53		44		30		2		76		109		322
Ending balance	$	2,561	$	360	$	2,998	$	432	$	182	$	737	$	62	$	616	$	7,948
		Real estate secured
(Dollars are in thousands)		Commercial		Construction and Land Development		Residential 1-4 family		Multifamily		Farmland		Commercial		Agriculture		Consumer and All Other		Total
Year ended December 30, 2024
Beginning balance	$	-	$	104	$	255	$	-	$	-	$	1,930	$	148	$	2,437	$	4,874
Charge-offs		(180)		-		(75)		(95)		-		(162)		-		(279)		(791)
Recoveries		106		44		100		-		297		9		-		157		713
Provision for credit losses		2,639		174		2,643		477		(148)		(1,026)		(112)		(1,759)		2,888
Ending balance	$	12,565	$	322	$	2,923	$	382	$	149	$	751	$	36	$	556	$	7,684