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Loans and the Allowance for Credit Losses on Loans (Tables)
 6 Months Ended
Jun. 30, 2025
Loans and the Allowance for Credit Losses on Loans [Abstract]  
Outstanding Loans by Segment Type

The following is a summary of the balances in each class of the Company’s portfolio of loans held for investment as of the dates indicated:


   
June 30,
    
December 31,
  
(dollars in thousands)
  
2025
    
2024
  
Mortgage loans on real estate:
            
Residential 1-4 family
  
$
180,840
    
$
179,704
  
Commercial - owner occupied
    
129,333
      
127,933
  
Commercial - non-owner occupied
    
294,225
      
310,952
  
Multifamily
    
45,571
      
39,467
  
Construction and land development
    
76,287
      
85,926
  
Second mortgages
    
10,586
      
10,749
  
Equity lines of credit
    
62,969
      
56,851
  
Total mortgage loans on real estate
    
799,811
      
811,582
  
Commercial and industrial loans
    
53,677
      
53,906
  
Consumer automobile loans
    
133,681
      
124,689
  
Other consumer loans
    
16,074
      
17,449
  
Other  (1)
    
3,032
      
2,534
  
Total loans, net of deferred fees (2)
    
1,006,275
      
1,010,160
  
Less:  Allowance for credit losses on loans
    
11,941
      
11,447
  
Loans, net of allowance and deferred fees (2)
  
$
994,334
    
$
998,713
  

(1)
Overdrawn accounts are reclassified as loans and included in the Other category in the table above. Overdrawn deposit accounts totaled $304 thousand and $286 thousand at June 30, 2025 and December 31, 2024, respectively.
(2)
Net deferred loan fees totaled $553 thousand and $868 thousand at June 30, 2025 and December 31, 2024, respectively.
Past Due Loans The following tables show the aging of the Company’s loan portfolio, by class, as of June 30, 2025 and December 31, 2024.


Age Analysis of Past Due Loans as of June 30, 2025


(dollars in thousands)
  
30 - 59 Days
Past Due
    
60 - 89 Days
Past Due
    
90 or More
Days Past
Due and still
Accruing
    
Nonaccrual(2)
    
Total Current
Loans (1)
    
Total
Loans
  
Mortgage loans on real estate:
                                    
Residential 1-4 family
  
$
-
    
$
185
    
$
139
    
$
-
    
$
180,516
    
$
180,840
  
Commercial - owner occupied
    
-
      
-
      
-
      
-
      
129,333
      
129,333
  
Commercial - non-owner occupied
    
-
      
-
      
-
      
-
      
294,225
      
294,225
  
Multifamily
    
-
      
-
      
-
      
-
      
45,571
      
45,571
  
Construction and land development
    
915
      
-
      
-
      
-
      
75,372
      
76,287
  
Second mortgages
    
-
      
-
      
74
      
-
      
10,512
      
10,586
  
Equity lines of credit
    
-
      
79
      
99
      
43
      
62,749
      
62,969
  
Total mortgage loans on real estate
  
$
915
    
$
264
    
$
312
    
$
43
    
$
798,278
    
$
799,811
  
Commercial and industrial loans
    
309
      
292
      
98
      
-
      
52,978
      
53,677
  
Consumer automobile loans
    
1,492
      
461
      
395
      
-
      
131,333
      
133,681
  
Other consumer loans
    
29
      
202
      
127
      
-
      
15,716
      
16,074
  
Other
    
304
      
-
      
-
      
-
      
2,728
      
3,032
  
Total
  
$
3,049
    
$
1,219
    
$
932
    
$
43
    
$
1,001,033
    
$
1,006,275
  

(1)
 For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.
(2)
 For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccrual column and not also in its respective past due column.

Age Analysis of Past Due Loans as of December 31, 2024

(dollars in thousands)
  
30 - 59 Days
Past Due
    
60 - 89 Days
Past Due
    
90 or More
Days Past
Due and still
Accruing
    
Nonaccrual(2)
    
Total Current
Loans (1)
    
Total
Loans
  
Mortgage loans on real estate:
                                    
Residential 1-4 family
  
$
125
    
$
-
    
$
-
    
$
39
    
$
179,540
    
$
179,704
  
Commercial - owner occupied
    
-
      
-
      
-
      
-
      
127,933
      
127,933
  
Commercial - non-owner occupied
    
-
      
-
      
-
      
-
      
310,952
      
310,952
  
Multifamily
    
-
      
-
      
-
      
-
      
39,467
      
39,467
  
Construction and land development
    
-
      
-
      
-
      
-
      
85,926
      
85,926
  
Second mortgages
    
176
      
13
      
-
      
-
      
10,560
      
10,749
  
Equity lines of credit
    
253
      
64
      
50
      
43
      
56,441
      
56,851
  
Total mortgage loans on real estate
  
$
554
    
$
77
    
$
50
    
$
82
    
$
810,819
    
$
811,582
  
Commercial and industrial loans
    
919
      
181
      
259
      
-
      
52,547
      
53,906
  
Consumer automobile loans
    
2,682
      
898
      
238
      
-
      
120,871
      
124,689
  
Other consumer loans
    
407
      
225
      
94
      
-
      
16,723
      
17,449
  
Other
    
286
      
-
      
-
      
-
      
2,248
      
2,534
  
Total
  
$
4,848
    
$
1,381
    
$
641
    
$
82
    
$
1,003,208
    
$
1,010,160
  

(1)
 For purposes of this table, Total Current Loans includes loans that are 1 - 29 days past due.
(2)
 For purposes of this table, if a loan is past due and on nonaccrual, it is included in the nonaccrual column and not also in its respective past due column.
Amortized Cost Basis of Loans on Nonaccrual Status and Loans Past Due

The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and accruing as of June 30, 2025 and December 31, 2024, by class of loan.


   
Nonaccrual
     Nonaccrual with no ACLL
     90 Days and still Accruing  
(dollars in thousands)
  
June 30, 2025
    
December 31, 2024
     June 30, 2025     December 31, 2024     June 30, 2025     December 31, 2024  
Mortgage loans on real estate:
                                    
Residential 1-4 family
  
$
-
    
$
39
     $ -     $ 39     $ 139     $ -  
Commercial - owner occupied
    -       -       -       -       -       -  
Construction and land development     -       -       -       -       -       -  
Second mortgages
     -       -       -       -       74       -  
Equity lines of credit
    
43
      
43
       43       -       99
       50  
Total mortgage loans on real estate
    
43
      
82
       43       39       312       50  
Commercial and industrial loans
    
-
      
-
       -       -       98       259  
Consumer automobile loans
    
-
      
-
       -       -       395       238  
Other consumer loans
     -       -       -       -       127       94  
Total
  
$
43
    
$
82
     $
 43     $
39     $
 932     $
 641  
Allowance for Credit Losses by Segment

The following tables present the activity in the ACLL by portfolio class for the six months ended June 30, 2025 and June 30, 2024.



Allowance for Credit Losses

For the Six Months Ended June 30, 2025
(dollars in thousands)
  
Commercial
and Industrial
  
Real Estate
Construction
and Land
Development
  
Real Estate -
Mortgage (1)
  
Real Estate -
Commercial (2)
  
Consumer (3)
  
Other
  
Total
  
Allowance for credit losses on loans:
                          
Balance, beginning
  
$
480
    
$
814
    
$
2,874
    
$
5,493
    
$
1,641
    
$
145
    
$
11,447
  
Charge-offs
    
(296
)
    
-
      
(18
)
    
-
      
(424
)
    
(105
)
    
(843
)
Recoveries
    
4
      
-
      
40
      
-
      
85
      
33
      
162
  
Provision (recovery) for loan losses
    
300
      
(43
)
    
365
      
501
      
54
      
(2
)
    
1,175
  
Ending Balance
  
$
488
    
$
771
    
$
3,261
    
$
5,994
    
$
1,356
    
$
71
    
$
11,941
  

For the Six Months Ended June 30, 2024
(dollars in thousands)
  
Commercial
and Industrial
  
Real Estate
Construction
and Land
Development
    
Real Estate -
Mortgage (1)
    
Real Estate -
Commercial (2)
    
Consumer (3)
    
Other
    
Total
  
Allowance for loan losses:
                                    
Balance, beginning
  
$
573
    
$
982
    
$
2,904
    
$
5,742
    
$
1,827
    
$
178
    
$
12,206
  
Charge-offs
    
(117
)
    
-
      
-
      
-
      
(756
)
    
(104
)
    
(977
)
Recoveries
    
6
      
-
      
20
      
11
      
267
      
26
      
330
  
Provision (recovery) for loan losses
    
17
      
(129
)
    
58
      
(58
)
    
372
      
9
      
269
  
Ending Balance
  
$
479
    
$
853
    
$
2,982
    
$
5,695
    
$
1,710
    
$
109
    
$
11,828
  

(1)
The real estate-mortgage segment included residential 1-4 family, multi-family, second mortgages and equity lines of credit.
(2) The real estate-commercial segment included commercial-owner occupied and commercial non-owner occupied.
(3)
The consumer segment included consumer automobile loans.

Breakdown of Provision for Credit Losses
The following table presents a breakdown of the provision for credit losses for the periods indicated.

   
Three Months Ended June 30,
     Six Months Ended June 30,  
(dollars in thousands)
  
2025
    
2024
     2025     2024
  
Provision for credit losses:
                        
Provision for loans
  
$
450
    
$
191
     $ 1,175     $ 269  
Provision for unfunded commitments
    
18
   
70
       10       72
Total
  
$
468
    
$
261
     $ 1,185     $ 341  
Risk Category Loans by Class of Loans

The following tables present credit quality exposures by internally assigned risk ratings originated as of the dates indicated:


   
June 30, 2025
  
   
Term Loans Amortized Cost Basis by Origination Year
              
(dollars in thousands)
  
2025
    
2024
    
2023
    
2022
    
2021
    
Prior
    
Revolving
Loans
    
Total
  
Construction and land development
                                                
Pass
  
$
10,660
    
$
18,838
    
$
24,953
    
$
18,304
    
$
1,297
    
$
994
    
$
-
    
$
75,046
  
OAEM
    
-
      
-
      
-
      
-
      
117
      
1,124
      
-
      
1,241
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total construction and land development
  
$
10,660
    
$
18,838
    
$
24,953
    
$
18,304
    
$
1,414
    
$
2,118
    
$
-
    
$
76,287
  
                                                                 
Commercial real estate - owner occupied
                                                                
Pass
  
$
11,052
    
$
12,016
    
$
8,381
    
$
20,765
    
$
14,934
    
$
61,034
    
$
1,151
    
$
129,333
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total commercial real estate - owner occupied
  
$
11,052
    
$
12,016
    
$
8,381
    
$
20,765
    
$
14,934
    
$
61,034
    
$
1,151
    
$
129,333
  
                                                                 
Commercial real estate - non-owner occupied
                                                                
Pass
  
$
7,150
    
$
9,712
    
$
31,131
    
$
70,321
    
$
99,813
    
$
71,445
    
$
579
    
$
290,151
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
4,074
      
-
      
-
      
4,074
  
Total commercial real estate - non-owner occupied
  
$
7,150
    
$
9,712
    
$
31,131
    
$
70,321
    
$
103,887
    
$
71,445
    
$
579
    
$
294,225
  
                                                                 
Commercial and industrial
                                                                
Pass
  
$
8,748
    
$
9,884
    
$
9,361
    
$
7,774
    
$
2,143
    
$
3,761
    
$
11,794
    
$
53,465
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
114
      
-
      
114
  
Substandard
    
-
      
-
      
98
      
-
      
-
      
-
      
-
      
98
  
Total commercial and industrial
  
$
8,748
    
$
9,884
    
$
9,459
    
$
7,774
    
$
2,143
    
$
3,875
    
$
11,794
    
$
53,677
  
                                                                 
Multifamily real estate
                                                                
Pass
  
$
-
    
$
-
    
$
13,878
    
$
1,324
    
$
2,045
    
$
22,698
    
$
5,626
    
$
45,571
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total multifamily real estate
  
$
-
    
$
-
    
$
13,878
    
$
1,324
    
$
2,045
    
$
22,698
    
$
5,626
    
$
45,571
  
                                                                 
Residential 1-4 family
                                                                
Pass
  
$
8,434
    
$
16,553
    
$
29,686
    
$
35,385
    
$
31,569
    
$
72,485
    
$
59,928
    
$
254,040
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
123
      
-
      
232
      
-
      
355
  
Total residential 1-4 family
  
$
8,434
    
$
16,553
    
$
29,686
    
$
35,508
    
$
31,569
    
$
72,717
    
$
59,928
    
$
254,395
  
                                                                 
Consumer - automobile
                                                                
Pass
  
$
36,530
    
$
20,916
    
$
25,264
    
$
40,667
    
$
5,239
    
$
4,591
    
$
-
    
$
133,207
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
46
      
10
      
265
      
8
      
145
      
-
      
474
  
Total consumer - automobile
  
$
36,530
    
$
20,962
    
$
25,274
    
$
40,932
    
$
5,247
    
$
4,736
    
$
-
    
$
133,681
  
                                                                 
Consumer - other
                                                                
Pass
  
$
249
    
$
920
    
$
146
    
$
284
    
$
24
    
$
903
    
$
13,362
    
$
15,888
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
186
      
-
      
186
  
Total consumer - other
  
$
249
    
$
920
    
$
146
    
$
284
    
$
24
    
$
1,089
    
$
13,362
    
$
16,074
  
                                                                 
Other
                                                                
Pass
  
$
1,808
    
$
147
    
$
-
    
$
-
    
$
274
    
$
803
    
$
-
    
$
3,032
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total other
  
$
1,808
    
$
147
    
$
-
    
$
-
    
$
274
    
$
803
    
$
-
    
$
3,032
  
                                                                 
Total loans
                                                                
Pass
  
$
84,631
    
$
88,986
    
$
142,800
    
$
194,824
    
$
157,338
    
$
238,714
    
$
92,440
    
$
999,733
  
OAEM
    
-
      
-
      
-
      
-
      
117
      
1,238
      
-
      
1,355
  
Substandard
    
-
      
46
      
108
      
388
      
4,082
      
563
      
-
      
5,187
  
Total loans
  
$
84,631
    
$
89,032
    
$
142,908
    
$
195,212
    
$
161,537
    
$
240,515
    
$
92,440
    
$
1,006,275
  




December 31, 2024
  
   
Term Loans Amortized Cost Basis by Origination Year
              
(dollars in thousands)
  
2024
    
2023
    
2022
    
2021
    
2020
    
Prior
    
Revolving
Loans
    
Total
  
Construction and land development
                                                
Pass
  
$
34,692
    
$
24,752
    
$
22,882
    
$
1,476
    
$
1,749
    
$
375
    
$
-
    
$
85,926
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total construction and land development
  
$
34,692
    
$
24,752
    
$
22,882
    
$
1,476
    
$
1,749
    
$
375
    
$
-
    
$
85,926
  
                                                                 
Commercial real estate - owner occupied
                                                                
Pass
  
$
12,111
    
$
8,432
    
$
21,984
    
$
18,533
    
$
10,860
    
$
54,917
    
$
1,096
    
$
127,933
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total commercial real estate - owner occupied
  
$
12,111
    
$
8,432
    
$
21,984
    
$
18,533
    
$
10,860
    
$
54,917
    
$
1,096
    
$
127,933
  
                                                                 
Commercial real estate - non-owner occupied
                                                                
Pass
  
$
9,845
    
$
41,205
    
$
71,545
    
$
94,393
    
$
39,153
    
$
42,184
    
$
215
    
$
298,540
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
767
      
-
      
767
  
Substandard
    
-
      
-
      
-
      
11,645
      
-
      
-
      
-
      
11,645
  
Total commercial real estate - non-owner occupied
  
$
9,845
    
$
41,205
    
$
71,545
    
$
106,038
    
$
39,153
    
$
42,951
    
$
215
    
$
310,952
  
                                                                 
Commercial and industrial
                                                                
Pass
  
$
5,578
    
$
12,391
    
$
11,198
    
$
3,058
    
$
919
    
$
3,455
    
$
17,307
    
$
53,906
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total commercial and industrial
  
$
5,578
    
$
12,391
    
$
11,198
    
$
3,058
    
$
919
    
$
3,455
    
$
17,307
    
$
53,906
  
                                                                 
Multifamily real estate
                                                                
Pass
  
$
-
    
$
6,966
    
$
1,343
    
$
2,081
    
$
580
    
$
22,495
    
$
6,002
    
$
39,467
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total multifamily real estate
  
$
-
    
$
6,966
    
$
1,343
    
$
2,081
    
$
580
    
$
22,495
    
$
6,002
    
$
39,467
  
                                                                 
Residential 1-4 family
                                                                
Pass
  
$
12,100
    
$
32,787
    
$
37,879
    
$
32,992
    
$
23,912
    
$
53,012
    
$
54,540
    
$
247,222
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
82
      
-
      
82
  
Total residential 1-4 family
  
$
12,100
    
$
32,787
    
$
37,879
    
$
32,992
    
$
23,912
    
$
53,094
    
$
54,540
    
$
247,304
  
 
                                                                
Consumer - automobile
                                                                
Pass
  
$
24,763
    
$
33,695
    
$
53,434
    
$
7,397
    
$
1,939
    
$
3,461
    
$
-
    
$
124,689
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total consumer - automobile
  
$
24,763
    
$
33,695
    
$
53,434
    
$
7,397
    
$
1,939
    
$
3,461
    
$
-
    
$
124,689
  
                                                                 
Consumer - other
                                                                
Pass
  
$
1,041
    
$
182
    
$
345
    
$
236
    
$
14
    
$
14,037
    
$
1,594
    
$
17,449
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total consumer - other
  
$
1,041
    
$
182
    
$
345
    
$
236
    
$
14
    
$
14,037
    
$
1,594
    
$
17,449
  
                                                                 
Other
                                                                
Pass
  
$
1,490
    
$
-
    
$
-
    
$
274
    
$
-
    
$
770
    
$
-
    
$
2,534
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Substandard
    
-
      
-
      
-
      
-
      
-
      
-
      
-
      
-
  
Total other
  
$
1,490
    
$
-
    
$
-
    
$
274
    
$
-
    
$
770
    
$
-
    
$
2,534
  
                                                                 
Total loans
                                                                
Pass
  
$
101,620
    
$
160,410
    
$
220,610
    
$
160,440
    
$
79,126
    
$
194,706
    
$
80,754
    
$
997,666
  
OAEM
    
-
      
-
      
-
      
-
      
-
      
767
      
-
      
767
  
Substandard
    
-
      
-
      
-
      
11,645
      
-
      
82
      
-
      
11,727
  
Total loans
  
$
101,620
    
$
160,410
    
$
220,610
    
$
172,085
    
$
79,126
    
$
195,555
    
$
80,754
    
$
1,010,160
  


The following tables detail the current period gross charge-offs of loans by year of origination for the six months ended June 30, 2025 and June 30, 2024:


   
June 30, 2025
  
   
Current Period Charge-offs by Origination Year
              
(dollars in thousands)
  
2025
    
2024
    
2023
    
2022
    
2021
    
Prior
    
Revolving
Loans
Amortized
Cost Basis
    
Total
  
Commercial and industrial   $
 -     $
-     $
 116     $
180     $
 -     $
 -     $ -     $
 296  
Residential 1-4 Family
     -       -       -       -       -       18       -       18  
Consumer - automobile
    
9
      
85
      
174
      
86
      
56
      
13
      
-
      
423
  
Consumer - other
    
-
      
-
      
-
      
-
      
-
      
1
      
-
      
1
  
Other (1)
    
105
      
-
      
-
      
-
      
-
      
-
      
-
      
105
  
Total
  
$
114
    
$
85
    
$
290
    
$
266
    
$
56
    
$
32
    
$
-
    
$
843
  
(1)
Gross charge-offs of other loans for the six months ended June 30, 2025 included $105 thousand of demand deposit overdrafts that originated in 2025.

   
June 30, 2024
  
   
Current Period Charge-offs by Origination Year
              
(dollars in thousands)
  
2024
    
2023
    
2022
    
2021
    
2020
    
Prior
    
Revolving
Loans
Amortized
Cost Basis
    
Total
  
Commercial and industrial
   $
-
     $
-
     $
108
     $
-
     $
-
     $
9
     $
-
     $
117
  
Consumer - automobile
    -       151       438       131       17       15       -       752  
Consumer - other
    
-
      
-
      
-
      
-
      
-
      
4
      
-
      
4
  
Other (1)
    
104
      
-
      
-
      
-
      
-
      
-
      
-
      
104
  
Total
  
$
104
    
$
151
    
$
546
    
$
131
    
$
17
    
$
28
    
$
-
    
$
977
  
(1)
 Gross charge-offs of other loans for the six months ended June 30, 2024 included $104 thousand of demand deposit overdrafts that originated in 2024.
Amortized Cost of Collateral Dependent Loans by Class
The following table presents the Company’s amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related ACL allocated to those loans as of June 30, 2025 and December 31, 2024:

   
June 30, 2025
    
December 31, 2024
  
(dollars in thousands)
  
Real Estate Secured Loans
    
ACL - Loans
    
Real Estate Secured Loans
    
ACL - Loans
  
Mortgage loans on real estate:
                        
Residential 1-4 family
  
$
-
    
$
-
    
$
39
    
$
-
  
Commercial - non-owner occupied
    
4,074
      
235
      
-
      
-
  
Construction and land development
    
1,241
      
-
      
1,241
      
-
  
Equity lines of credit
    
43
      
-
      
43
      
43
  
Total mortgage loans on real estate
    
5,358
      
235
      
1,323
      
43
  
Commercial and industrial loans
    
114
      
-
      
114
      
-
  
Other consumer loans
    
2
      
3
      
-
      
-
  
Total
  
$
5,474
    
$
238
    
$
1,437
    
$
43