XML 52 R41.htm IDEA: XBRL DOCUMENT v3.23.1
LOANS HELD FOR INVESTMENT, Activity in Allowance for Credit Losses (Details) - USD ($)
$ in Thousands
3 Months Ended
Mar. 31, 2023
Mar. 31, 2022
Dec. 31, 2022
LOANS HELD FOR INVESTMENT [Abstract]      
Ratio of allowance for credit losses to loans held for investment 1.42%   1.43%
Allowance for Credit Losses [Roll Forward]      
Beginning Balance $ 39,288 $ 42,098  
Provision for credit losses 800 [1] (2,085)  
Charge-offs (939) (657)  
Recoveries 309 293  
Ending Balance 39,560 39,649  
Provision for credit loss on loans including off-balance sheet credit exposures 1,010 (2,085)  
Provision for off-balance sheet credit exposures 210    
Changes in ACL impacted by net charge offs 630    
Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 102    
Commercial Real Estate [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 13,029 17,245  
Provision for credit losses (475) [1] (2,649)  
Charge-offs 0 0  
Recoveries 0 25  
Ending Balance 13,381 14,621  
Commercial Real Estate [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 827    
Commercial [Member] | Specialized [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 3,425 4,363  
Provision for credit losses (11) [1] (1,083)  
Charge-offs 0 (39)  
Recoveries 63 34  
Ending Balance 3,510 3,275  
Commercial [Member] | Specialized [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 33    
Commercial [Member] | General [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 9,215 8,466  
Provision for credit losses (237) [1] 1,659  
Charge-offs (199) (307)  
Recoveries 62 122  
Ending Balance 6,267 9,940  
Commercial [Member] | General [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance (2,574)    
Consumer [Member] | 1-4 Family Residential [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 6,194 5,268  
Provision for credit losses 635 [1] (298)  
Charge-offs 0 (40)  
Recoveries 2 1  
Ending Balance 8,531 4,931  
Consumer [Member] | 1-4 Family Residential [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 1,700    
Consumer [Member] | Auto Loans [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 3,926 3,653  
Provision for credit losses 298 [1] 68  
Charge-offs (254) (86)  
Recoveries 76 46  
Ending Balance 3,714 3,681  
Consumer [Member] | Auto Loans [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance (332)    
Consumer [Member] | Other Consumer [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 1,376 1,357  
Provision for credit losses 68 [1] 147  
Charge-offs (214) (185)  
Recoveries 106 65  
Ending Balance 1,101 1,384  
Consumer [Member] | Other Consumer [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance (235)    
Construction [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 2,123 1,746  
Provision for credit losses 522 [1] 71  
Charge-offs (272) 0  
Recoveries 0 0  
Ending Balance 3,056 $ 1,817  
Construction [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance $ 683    
[1] The $1.0 million provision for credit loss on the consolidated statement of comprehensive income (loss) includes a $800 thousand provision for credit losses on loans and a $210 thousand provision for off-balance sheet credit exposures for the three months ended March 31, 2023.