XML 53 R42.htm IDEA: XBRL DOCUMENT v3.24.1.u1
LOANS HELD FOR INVESTMENT, Activity in ACL for Loans (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended
Mar. 31, 2024
Mar. 31, 2023
Dec. 31, 2023
LOANS HELD FOR INVESTMENT [Abstract]      
Ratio of ACL for loans to loans held for investment 1.40%   1.41%
Allowance for Credit Losses [Roll Forward]      
Beginning Balance $ 42,356 $ 39,288 $ 39,288
Provision for credit losses 765 [1] 800 [2]  
Charge-offs (1,139) (939)  
Recoveries 192 309  
Ending Balance 42,174 39,560 42,356
Provision for credit losses 830 1,010  
Provision for off-balance sheet credit exposures 65 210  
Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   102 102
Commercial Real Estate [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 15,808 13,029 13,029
Provision for credit losses 62 [1] (475) [2]  
Charge-offs (86) 0 0
Recoveries 0 0  
Ending Balance 15,784 13,381 15,808
Commercial Real Estate [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   827 827
Commercial [Member] | Specialized [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 4,020 3,425 3,425
Provision for credit losses (205) [1] (11) [2]  
Charge-offs 0 0 (11)
Recoveries 33 63  
Ending Balance 3,848 3,510 4,020
Commercial [Member] | Specialized [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   33 33
Commercial [Member] | General [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 6,391 9,215 9,215
Provision for credit losses 659 [1] (237) [2]  
Charge-offs (375) (199) (469)
Recoveries 33 62  
Ending Balance 6,708 6,267 6,391
Commercial [Member] | General [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   (2,574) (2,574)
Consumer [Member] | 1-4 Family Residential [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 9,177 6,194 6,194
Provision for credit losses 273 [1] 635 [2]  
Charge-offs (172) 0 (1)
Recoveries 2 2  
Ending Balance 9,280 8,531 9,177
Consumer [Member] | 1-4 Family Residential [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   1,700 1,700
Consumer [Member] | Auto Loans [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 3,601 3,926 3,926
Provision for credit losses (27) [1] 298 [2]  
Charge-offs (224) (254) (888)
Recoveries 65 76  
Ending Balance 3,415 3,714 3,601
Consumer [Member] | Auto Loans [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   (332) (332)
Consumer [Member] | Other Consumer [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 968 1,376 1,376
Provision for credit losses 238 [1] 68 [2]  
Charge-offs (282) [3] (214) (1,140) [4]
Recoveries 59 106  
Ending Balance 983 1,101 968
Consumer [Member] | Other Consumer [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   (235) (235)
Construction [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance 2,391 2,123 2,123
Provision for credit losses (235) [1] 522 [2]  
Charge-offs 0 (272) (319)
Recoveries 0 0  
Ending Balance $ 2,156 3,056 2,391
Construction [Member] | Impact of CECL Adoption [Member]      
Allowance for Credit Losses [Roll Forward]      
Beginning Balance   $ 683 $ 683
[1] The $830 thousand provision for credit loss on the consolidated statement of comprehensive income (loss) includes a $765 thousand provision for credit losses on loans and a $65 thousand provision for off-balance sheet credit exposures for the three months ended March 31, 2024.
[2] 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.
[3] Includes $62 thousand in charged-off demand deposit overdrafts reported as 2024 originations.
[4] Includes $574 thousand in charged-off demand deposit overdrafts reported as 2023 originations.