XML 52 R42.htm IDEA: XBRL DOCUMENT v3.24.3
Loans and the Allowance for Credit Losses on Loans, Credit Quality Indicators (Details) - USD ($)
$ in Thousands
9 Months Ended
Sep. 30, 2024
Sep. 30, 2023
Dec. 31, 2023
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 $ 66,002   $ 188,858
2023/2022 170,358   274,769
2022/2021 238,685   203,777
2021/2020 184,317   89,317
2020/2019 82,058   46,551
Prior 208,416   197,421
Revolving Loans 75,876   79,559
Total loans [1] 1,025,712   1,080,252
Current Period Charge-offs by Origination Year [Abstract]      
2024/2023 193 $ 215  
2023/2022 330 544  
2022/2021 763 287  
2021/2020 160 72  
2020/2019 34 21  
Prior 46 61  
Revolving Loans Amortized Cost Basis 0 0  
Current period gross charge-offs 1,526 1,200  
Demand deposit overdrafts 425   244
Collateral [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
Total loans 0   0
Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 66,002   188,858
2023/2022 170,358   274,769
2022/2021 238,685   203,777
2021/2020 172,566   88,967
2020/2019 82,058   45,624
Prior 207,593   194,204
Revolving Loans 75,876   79,559
Total loans 1,013,138   1,075,758
OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 11,751   0
2020/2019 0   881
Prior 779   2,985
Revolving Loans 0   0
Total loans 12,530   3,866
Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   350
2020/2019 0   46
Prior 44   232
Revolving Loans 0   0
Total loans 44   628
Mortgage Loans on Real Estate [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
Total loans 821,529   832,748
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 23,765   40,168
2023/2022 33,523   36,581
2022/2021 28,783   25,770
2021/2020 1,503   3,630
2020/2019 1,803   297
Prior 292   285
Revolving Loans 886   448
Total loans 90,555   107,179
Current Period Charge-offs by Origination Year [Abstract]      
Current period gross charge-offs 0 0  
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 23,765   40,168
2023/2022 33,523   36,581
2022/2021 28,783   25,770
2021/2020 1,503   3,630
2020/2019 1,803   297
Prior 292   285
Revolving Loans 886   448
Total loans 90,555   107,179
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Mortgage Loans on Real Estate [Member] | Construction and Land Development [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Mortgage Loans on Real Estate [Member] | Commercial Real Estate [Member]      
Current Period Charge-offs by Origination Year [Abstract]      
Current period gross charge-offs [2] 0 0  
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 7,238   10,145
2023/2022 9,427   33,720
2022/2021 27,689   21,058
2021/2020 20,510   13,708
2020/2019 11,002   12,102
Prior 57,400   60,053
Revolving Loans 725   5,680
Total loans 133,991   156,466
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 7,238   10,145
2023/2022 9,427   33,720
2022/2021 27,689   21,058
2021/2020 20,510   13,708
2020/2019 11,002   12,025
Prior 57,394   56,978
Revolving Loans 725   5,680
Total loans 133,985   153,314
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   77
Prior 6   2,985
Revolving Loans 0   0
Total loans 6   3,062
Mortgage Loans on Real Estate [Member] | Commercial - Owner Occupied [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   90
Revolving Loans 0   0
Total loans 0   90
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 3,218   31,539
2023/2022 33,721   53,217
2022/2021 66,168   96,755
2021/2020 114,536   38,704
2020/2019 39,557   11,321
Prior 46,707   51,451
Revolving Loans 424   2,263
Total loans 304,331   285,250
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 3,218   31,539
2023/2022 33,721   53,217
2022/2021 66,168   96,755
2021/2020 102,785   38,704
2020/2019 39,557   10,517
Prior 45,934   51,451
Revolving Loans 424   2,263
Total loans 291,807   284,446
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 11,751   0
2020/2019 0   804
Prior 773   0
Revolving Loans 0   0
Total loans 12,524   804
Mortgage Loans on Real Estate [Member] | Commercial - Non-Owner Occupied [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Mortgage Loans on Real Estate [Member] | Multifamily [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   6,568
2023/2022 7,625   3,841
2022/2021 1,352   2,151
2021/2020 2,099   605
2020/2019 586   5,955
Prior 22,664   9,005
Revolving Loans 4,906   1,082
Total loans 39,232   29,207
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   6,568
2023/2022 7,625   3,841
2022/2021 1,352   2,151
2021/2020 2,099   605
2020/2019 586   5,955
Prior 22,664   9,005
Revolving Loans 4,906   1,082
Total loans 39,232   29,207
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Mortgage Loans on Real Estate [Member] | Multifamily [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 7,352   27,497
2023/2022 34,061   41,062
2022/2021 39,474   39,937
2021/2020 33,339   26,718
2020/2019 25,554   13,055
Prior 56,179   52,290
Revolving Loans 57,461   54,087
Total loans 253,420   254,646
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 7,352   27,497
2023/2022 34,061   41,062
2022/2021 39,474   39,937
2021/2020 33,339   26,368
2020/2019 25,554   13,009
Prior 56,135   52,148
Revolving Loans 57,461   54,087
Total loans 253,376   254,108
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Mortgage Loans on Real Estate [Member] | Residential 1-4 Family [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   350
2020/2019 0   46
Prior 44   142
Revolving Loans 0   0
Total loans 44   538
Commercial and Industrial Loans [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 4,079   18,248
2023/2022 13,956   21,698
2022/2021 14,307   4,300
2021/2020 3,322   1,691
2020/2019 1,095   2,192
Prior 5,681   2,075
Revolving Loans 9,507   13,908
Total loans 51,947   64,112
Current Period Charge-offs by Origination Year [Abstract]      
2024/2023 28 0  
2023/2022 18 140  
2022/2021 108 15  
2021/2020 0 4  
2020/2019 0 0  
Prior 9 0  
Revolving Loans Amortized Cost Basis 0 0  
Current period gross charge-offs 163 159  
Commercial and Industrial Loans [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 4,079   18,248
2023/2022 13,956   21,698
2022/2021 14,307   4,300
2021/2020 3,322   1,691
2020/2019 1,095   2,192
Prior 5,681   2,075
Revolving Loans 9,507   13,908
Total loans 51,947   64,112
Commercial and Industrial Loans [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Commercial and Industrial Loans [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Consumer [Member]      
Current Period Charge-offs by Origination Year [Abstract]      
Current period gross charge-offs [3] 1,198 813  
Consumer [Member] | Consumer Automobile [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 17,086   52,750
2023/2022 37,825   83,885
2022/2021 60,537   13,184
2021/2020 8,477   4,152
2020/2019 2,423   1,618
Prior 3,862   4,848
Revolving Loans 0   0
Total loans 130,210   160,437
Current Period Charge-offs by Origination Year [Abstract]      
2024/2023 0 9  
2023/2022 312 382  
2022/2021 655 267  
2021/2020 160 68  
2020/2019 34 18  
Prior 28 51  
Revolving Loans Amortized Cost Basis 0 0  
Current period gross charge-offs 1,189 795  
Consumer [Member] | Consumer Automobile [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 17,086   52,750
2023/2022 37,825   83,885
2022/2021 60,537   13,184
2021/2020 8,477   4,152
2020/2019 2,423   1,618
Prior 3,862   4,848
Revolving Loans 0   0
Total loans 130,210   160,437
Consumer [Member] | Consumer Automobile [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Consumer [Member] | Consumer Automobile [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Consumer [Member] | Other Consumer Loans [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 1,005   323
2023/2022 220   765
2022/2021 375   330
2021/2020 257   109
2020/2019 38   11
Prior 14,638   16,089
Revolving Loans 1,967   2,091
Total loans 18,500   19,718
Current Period Charge-offs by Origination Year [Abstract]      
2024/2023 0 0  
2023/2022 0 0  
2022/2021 0 5  
2021/2020 0 0  
2020/2019 0 3  
Prior 9 10  
Revolving Loans Amortized Cost Basis 0 0  
Current period gross charge-offs 9 18  
Consumer [Member] | Other Consumer Loans [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 1,005   323
2023/2022 220   765
2022/2021 375   330
2021/2020 257   109
2020/2019 38   11
Prior 14,638   16,089
Revolving Loans 1,967   2,091
Total loans 18,500   19,718
Consumer [Member] | Other Consumer Loans [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Consumer [Member] | Other Consumer Loans [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Other [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 2,259   1,620
2023/2022 0   0
2022/2021 0   292
2021/2020 274   0
2020/2019 0   0
Prior 993   1,325
Revolving Loans 0   0
Total loans [4] 3,526   3,237
Current Period Charge-offs by Origination Year [Abstract]      
2024/2023 165 [5] 206 [6]  
2023/2022 0 [5] 22 [6]  
2022/2021 0 [5] 0 [6]  
2021/2020 0 [5] 0 [6]  
2020/2019 0 [5] 0 [6]  
Prior 0 [5] 0 [6]  
Revolving Loans Amortized Cost Basis 0 [5] 0 [6]  
Current period gross charge-offs 165 [5] 228 [6]  
Demand deposit overdrafts 165 $ 206  
Other [Member] | Pass [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 2,259   1,620
2023/2022 0   0
2022/2021 0   292
2021/2020 274   0
2020/2019 0   0
Prior 993   1,325
Revolving Loans 0   0
Total loans 3,526   3,237
Other [Member] | OAEM [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans 0   0
Other [Member] | Substandard [Member]      
Term Loans Amortized Cost Basis by Origination Year [Abstract]      
2024/2023 0   0
2023/2022 0   0
2022/2021 0   0
2021/2020 0   0
2020/2019 0   0
Prior 0   0
Revolving Loans 0   0
Total loans $ 0   $ 0
[1] Net deferred loan fees totaled $1.0 million on September 30, 2024 and $1.2 million on  December 31, 2023.
[2] The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied.
[3] The consumer segment included consumer automobile loans.
[4] Overdrawn accounts are reclassified as loans and included in the Other category in the table above.  Overdrawn deposit accounts totaled $425 thousand and $244 thousand at September 30, 2024 and December 31, 2023, respectively.
[5] Gross charge-offs of other loans for the nine months ended September 30, 2024 included $165 thousand of demand deposit overdrafts that originated in 2024.
[6] Gross charge-offs of other loans for the nine months ended September 30, 2023 included $206 thousand of demand deposit overdrafts that originated in 2023.