Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2024

Receivables [Abstract]

Schedule of Allowance for Loan Losses by Class of Financing Receivable and Allowance

A breakdown of the ACL as of September 30, 2024, by class of financing receivable and allowance element, is presented in the following table:

As of September 30, 2024	Specific Reserves on Loans Evaluated Individually		General Reserves on Loans Based on Historical Loss Experience		Reserves for Qualitative Factors		Total Reserves
Commercial
Real estate owner occupied	$	—	$	4,484,000	$	635,000	$	5,119,000
Real estate non-owner occupied	—		4,387,000		584,000		4,971,000
Construction	—		762,000		45,000		807,000
C&I	223,000		3,872,000		567,000		4,662,000
Multifamily	—		1,129,000		133,000		1,262,000
Agriculture	—		462,000		151,000		613,000
Municipal	—		35,000		231,000		266,000
Residential
Term	22,000		4,593,000		436,000		5,051,000
Construction	—		411,000		14,000		425,000
Home Equity
Revolving and term	—		584,000		79,000		663,000
Consumer	—		151,000		9,000		160,000
	$	245,000	$	20,870,000	$	2,884,000	$	23,999,000

A breakdown of the ACL as of December 31, 2023, by class of financing receivable and allowance element, is presented in the following table:

As of December 31, 2023	Specific Reserves on Loans Evaluated Individually		General Reserves on Loans Based on Historical Loss Experience		Reserves for Qualitative Factors		Total Reserves
Commercial
Real estate owner occupied	$	—	$	3,891,000	$	742,000	$	4,633,000
Real estate non-owner occupied	—		3,759,000		526,000		4,285,000
Construction	—		1,849,000		129,000		1,978,000
C&I	223,000		4,238,000		540,000		5,001,000
Multifamily	—		1,237,000		81,000		1,318,000
Municipal	—		307,000		27,000		334,000
Residential
Term	41,000		4,224,000		726,000		4,991,000
Construction	—		642,000		(24,000)		618,000
Home Equity
Revolving and term	—		469,000		157,000		626,000
Consumer	—		217,000		29,000		246,000
	$	264,000	$	20,833,000	$	2,933,000	$	24,030,000

A breakdown of the ACL as of September 30, 2023, by class of financing receivable and allowance element, is presented in the following table:

As of September 30, 2023	Specific Reserves on Loans Evaluated Individually		General Reserves on Loans Based on Historical Loss Experience		Reserves for Qualitative Factors		Total Reserves
Commercial
Real estate owner occupied	$	—	$	3,731,000	$	780,000	$	4,511,000
Real estate non-owner occupied	—		3,855,000		574,000		4,429,000
Construction	—		1,445,000		157,000		1,602,000
C&I	225,000		3,909,000		663,000		4,797,000
Multifamily	—		1,184,000		93,000		1,277,000
Municipal	—		332,000		44,000		376,000
Residential
Term	41,000		4,020,000		825,000		4,886,000
Construction	—		602,000		(26,000)		576,000
Home Equity
Revolving and term	—		442,000		175,000		617,000
Consumer	—		219,000		32,000		251,000
	$	266,000	$	19,739,000	$	3,317,000	$	23,322,000

Schedule of ACL for Off-balance Sheet Credit Exposure

The following table presents the activity in the ACL for off-balance sheet credit exposures for the nine months and quarters ended September 30, 2024 and 2023:

	For the nine months ended September 30,				For the quarter ended September 30,
	2024		2023		2024		2023
Allowance for credit losses:
Beginning balance	$	1,255,000	$	100,000	$	902,000	$	1,528,000
Impact of adopting ASC 326	—		1,297,000		—		—
Credit loss (reduction) expense	(487,000)		89,000		(134,000)		(42,000)
Total ending allowance balance	$	768,000	$	1,486,000	$	768,000	$	1,486,000

Schedule of Credit Quality Risk Ratings for Loans

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of September 30, 2024:

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of September 30, 2024
Commercial
Real estate owner occupied
Pass (risk rating 1-5)	$	29,267	$	67,088	$	84,626	$	39,744	$	27,003	$	79,134	$	11,246	$	960	$	339,068
Special Mention (risk rating 6)	—		1,903		—		—		—		6,276		50		—		8,229
Substandard (risk rating 7)	41		268		—		—		162		519		—		—		990
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Owner Occupied	29,308		69,259		84,626		39,744		27,165		85,929		11,296		960		348,287
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Real estate non-owner occupied
Pass (risk rating 1-5)	24,631		30,610		74,749		115,687		46,646		104,014		10,197		1,520		408,054
Special Mention (risk rating 6)	—		—		—		46		—		261		—		—		307
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Non-Owner Occupied	24,631		30,610		74,749		115,733		46,646		104,275		10,197		1,520		408,361
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Pass (risk rating 1-5)	24,354		22,535		29,047		7,921		1,398		2,523		—		—		87,778
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	145		—		—		69		—		—		—		—		214
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Construction	24,499		22,535		29,047		7,990		1,398		2,523		—		—		87,992
Current period gross write-offs	—		—		—		—		—		—		—		—		—
C&I
Pass (risk rating 1-5)	56,398		28,644		48,523		41,554		16,016		24,307		114,851		4,446		334,739
Special Mention (risk rating 6)	25		24,308		502		495		470		2,857		4,399		—		33,056
Substandard (risk rating 7)	—		13		348		84		16		22		137		—		620
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total C&I	56,423		52,965		49,373		42,133		16,502		27,186		119,387		4,446		368,415
Current period gross write-offs	—		—		—		(19)		(24)		(45)		—		—		(88)
Multifamily
Pass (risk rating 1-5)	14,874		12,392		34,069		17,458		14,657		13,028		721		—		107,199
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		1,020		1,341		912		—		—		—		3,273
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Multifamily	14,874		12,392		35,089		18,799		15,569		13,028		721		—		110,472
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Agriculture
Pass (risk rating 1-5)	9,413		2,845		6,068		4,054		15,121		6,532		4,183		224		48,440
Special Mention (risk rating 6)	—		500		706		85		—		587		600		—		2,478
Substandard (risk rating 7)	—		87		—		31		—		238		—		—		356
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Agriculture	9,413		3,432		6,774		4,170		15,121		7,357		4,783		224		51,274
Current period gross write-offs	—		—		—		—		—		—		—		—		—

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of September 30, 2024
Municipal
Pass (risk rating 1-5)	9,355		19,626		4,344		3,985		9,026		16,608		—		—		62,944
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Municipal	9,355		19,626		4,344		3,985		9,026		16,608		—		—		62,944
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Residential
Term
Performing	37,770		85,791		151,882		132,413		87,730		198,196		2,479		121		696,382
Non-performing	—		—		300		262		399		725		—		—		1,686
Total Term	37,770		85,791		152,182		132,675		88,129		198,921		2,479		121		698,068
Current period gross write-offs	—		—		—		—		—		(36)		—		—		(36)
Construction
Performing	15,512		17,342		1,091		—		683		—		—		—		34,628
Non-performing	—		—		—		—		—		—		—		—		—
Total Construction	15,512		17,342		1,091		—		683		—		—		—		34,628
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Home Equity Revolving and Term
Performing	7,515		9,459		8,516		1,940		1,140		1,985		76,231		9,977		116,763
Non-performing	—		—		—		—		—		98		16		151		265
Total Home Equity Revolving and Term	7,515		9,459		8,516		1,940		1,140		2,083		76,247		10,128		117,028
Current period gross write-offs	—		—		—		—		—		(7)		—		—		(7)
Consumer
Performing	2,771		2,714		1,377		817		1,275		4,913		5,917		—		19,784
Non-performing	—		—		—		—		—		—		—		—		—
Total Consumer	2,771		2,714		1,377		817		1,275		4,913		5,917		—		19,784
Current period gross write-offs	(6)		(46)		(62)		(37)		(19)		(40)		—		—		(210)
Total loans	$	232,071	$	326,125	$	447,168	$	367,986	$	222,654	$	462,823	$	231,027	$	17,399	$	2,307,253

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of December 31, 2023:

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of December 31, 2023
Commercial
Real estate owner occupied
Pass (risk rating 1-5)	$	64,693	$	73,920	$	40,782	$	28,716	$	29,856	$	59,236	$	8,993	$	—	$	306,196
Special Mention (risk rating 6)	1,903		—		—		—		5,605		313		—		—		7,821
Substandard (risk rating 7)	283		—		—		—		503		16		—		—		802
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Owner Occupied	66,879		73,920		40,782		28,716		35,964		59,565		8,993		—		314,819
Current period gross write-offs	—		—		—		—		—		(40)		—		—		(40)
Real estate non-owner occupied
Pass (risk rating 1-5)	30,666		70,442		129,299		47,959		27,159		83,820		4,230		—		393,575
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		61		—		—		61
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Non-Owner Occupied	30,666		70,442		129,299		47,959		27,159		83,881		4,230		—		393,636
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Pass (risk rating 1-5)	29,781		45,130		8,705		1,581		1,034		2,373		—		—		88,604
Special Mention (risk rating 6)	—		—		69		—		—		—		—		—		69
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Construction	29,781		45,130		8,774		1,581		1,034		2,373		—		—		88,673
Current period gross write-offs	—		—		—		—		—		—		—		—		—
C&I
Pass (risk rating 1-5)	49,147		61,628		51,848		33,955		6,103		32,032		87,949		973		323,635
Special Mention (risk rating 6)	23,970		3,414		267		546		—		3,373		330		—		31,900
Substandard (risk rating 7)	126		354		35		—		180		455		102		—		1,252
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total C&I	73,243		65,396		52,150		34,501		6,283		35,860		88,381		973		356,787
Current period gross write-offs	—		(114)		—		—		(16)		(23)		—		—		(153)
Multifamily
Pass (risk rating 1-5)	12,046		30,565		18,053		15,033		5,540		8,527		416		—		90,180
Special Mention (risk rating 6)	—		1,020		—		912		—		—		—		—		1,932
Substandard (risk rating 7)	—		—		1,364		—		—		—		—		—		1,364
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Multifamily	12,046		31,585		19,417		15,945		5,540		8,527		416		—		93,476
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Municipal
Pass (risk rating 1-5)	20,210		4,741		3,982		9,775		5,156		7,559		—		—		51,423
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Municipal	20,210		4,741		3,982		9,775		5,156		7,559		—		—		51,423
Current period gross write-offs	—		—		—		—		—		—		—		—		—

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of December 31, 2023
Residential
Term
Performing	65,605		156,495		140,254		93,774		39,896		174,341		3,046		129		673,540
Non-performing	—		304		—		40		300		671		—		—		1,315
Total Term	65,605		156,799		140,254		93,814		40,196		175,012		3,046		129		674,855
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Performing	25,007		6,012		—		1,339		—		—		—		—		32,358
Non-performing	—		—		—		—		—		—		—		—		—
Total Construction	25,007		6,012		—		1,339		—		—		—		—		32,358
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Home Equity Revolving and Term
Performing	10,519		9,319		2,031		1,197		584		1,655		68,006		10,419		103,730
Non-performing	—		—		—		—		—		112		19		165		296
Total Home Equity Revolving and Term	10,519		9,319		2,031		1,197		584		1,767		68,025		10,584		104,026
Current period gross write-offs	—		(50)		—		—		—		—		—		—		(50)
Consumer
Performing	3,664		2,042		1,175		1,794		455		4,564		5,707		—		19,401
Non-performing	—		—		—		—		—		—		—		—		—
Total Consumer	3,664		2,042		1,175		1,794		455		4,564		5,707		—		19,401
Current period gross write-offs	(5)		(46)		(31)		(30)		(7)		(75)		—		—		(194)
Total loans	$	337,620	$	465,386	$	397,864	$	236,621	$	122,371	$	379,108	$	178,798	$	11,686	$	2,129,454

The following table summarizes the credit quality for the Company's portfolio by risk category of loans and by class by vintage as of September 30, 2023:

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of September 30, 2023
Commercial
Real estate owner occupied
Pass (risk rating 1-5)	$	43,022	$	75,590	$	41,851	$	28,387	$	35,696	$	65,064	$	9,355	$	175	$	299,140
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	283		—		—		—		503		17		—		—		803
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Owner Occupied	43,305		75,590		41,851		28,387		36,199		65,081		9,355		175		299,943
Current period gross write-offs	—		—		—		—		—		(40)		—		—		(40)
Real estate non-owner occupied
Pass (risk rating 1-5)	27,875		71,474		130,132		49,160		27,670		85,559		5,092		—		396,962
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		62		—		—		62
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Real Estate Non-Owner Occupied	27,875		71,474		130,132		49,160		27,670		85,621		5,092		—		397,024
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Pass (risk rating 1-5)	16,892		41,852		8,506		1,665		1,039		2,470		—		—		72,424
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Construction	16,892		41,852		8,506		1,665		1,039		2,470		—		—		72,424
Current period gross write-offs	—		—		—		—		—		—		—		—		—
C&I
Pass (risk rating 1-5)	43,648		66,873		53,712		37,052		6,526		38,003		90,748		11,937		348,499
Special Mention (risk rating 6)	—		129		268		—		—		8		400		—		805
Substandard (risk rating 7)	94		363		35		—		188		545		67		—		1,292
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total C&I	43,742		67,365		54,015		37,052		6,714		38,556		91,215		11,937		350,596
Current period gross write-offs	—		—		—		—		(16)		—		—		—		(16)
Multifamily
Pass (risk rating 1-5)	8,435		32,082		18,172		16,103		5,553		8,796		329		207		89,677
Special Mention (risk rating 6)	—		—		1,364		—		—		—		—		—		1,364
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Multifamily	8,435		32,082		19,536		16,103		5,553		8,796		329		207		91,041
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Municipal
Pass (risk rating 1-5)	24,527		6,239		4,121		10,226		5,270		8,064		—		—		58,447
Special Mention (risk rating 6)	—		—		—		—		—		—		—		—		—
Substandard (risk rating 7)	—		—		—		—		—		—		—		—		—
Doubtful (risk rating 8)	—		—		—		—		—		—		—		—		—
Total Municipal	24,527		6,239		4,121		10,226		5,270		8,064		—		—		58,447
Current period gross write-offs	—		—		—		—		—		—		—		—		—

	Term Loans Amortized Cost Basis by Origination Year
Dollars in thousands	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
As of September 30, 2023
Residential
Term
Performing	47,019		149,470		143,048		97,350		40,621		179,788		1,301		132		658,729
Non-performing	—		304		—		81		340		595		—		—		1,320
Total Term	47,019		149,774		143,048		97,431		40,961		180,383		1,301		132		660,049
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Construction
Performing	15,966		11,715		—		1,305		—		—		—		—		28,986
Non-performing	—		—		—		—		—		—		—		—		—
Total Construction	15,966		11,715		—		1,305		—		—		—		—		28,986
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Home Equity Revolving and Term
Performing	8,154		9,472		2,073		1,214		609		1,754		67,639		10,575		101,490
Non-performing	—		—		—		—		—		115		198		177		490
Total Home Equity Revolving and Term	8,154		9,472		2,073		1,214		609		1,869		67,837		10,752		101,980
Current period gross write-offs	—		—		—		—		—		—		—		—		—
Consumer
Performing	3,072		2,338		1,296		1,951		538		4,404		5,771		—		19,370
Non-performing	—		—		—		—		—		—		—		—		—
Total Consumer	3,072		2,338		1,296		1,951		538		4,404		5,771		—		19,370
Current period gross write-offs	(5)		(41)		(30)		(30)		(7)		(39)		—		—		(152)
Total loans	$	238,987	$	467,901	$	404,578	$	244,494	$	124,553	$	395,244	$	180,900	$	23,203	$	2,079,860

Schedule of Allowance for Loan Losses Transactions

The following table presents ACL activity by class for the nine months and quarter ended September 30, 2024:

Dollars in thousands	Commercial												Municipal		Residential				Home Equity		Consumer		Total
	Real Estate Owner Occupied		Real Estate Non-Owner Occupied		Construction		C&I		Multifamily		Agriculture				Term		Construction		Revolving and term
For the nine months ended September 30, 2024
Beginning balance	$	4,633	$	4,285	$	1,978	$	5,001	$	1,318	$	—	$	334	$	4,991	$	618	$	626	$	246	$	24,030
Charge offs	—		—		—		(88)		—		—		—		(36)		—		(7)		(210)		(341)
Recoveries	100		—		—		24		—		—		—		30		—		21		77		252
Credit loss (reduction) expense	386		686		(1,171)		(275)		(56)		613		(68)		66		(193)		23		47		58
Ending balance	$	5,119	$	4,971	$	807	$	4,662	$	1,262	$	613	$	266	$	5,051	$	425	$	663	$	160	$	23,999
For the three months ended September 30, 2024
Beginning balance	$	5,253	$	4,248	$	922	$	5,021	$	1,567	$	428	$	180	$	5,560	$	587	$	744	$	183	$	24,693
Charge offs	—		—		—		(88)		—		—		—		—		—		—		(62)		(150)
Recoveries	—		—		—		1		—		—		—		1		—		3		31		36
Credit loss (reduction) expense	(134)		723		(115)		(272)		(305)		185		86		(510)		(162)		(84)		8		(580)
Ending balance	$	5,119	$	4,971	$	807	$	4,662	$	1,262	$	613	$	266	$	5,051	$	425	$	663	$	160	$	23,999

The following table presents ACL activity by class for the year ended December 31, 2023:

Dollars in thousands	Commercial										Municipal		Residential				Home Equity		Consumer		Unallocated		Total
	Real Estate Owner Occupied		Real Estate Non-Owner Occupied		Construction		C&I		Multifamily				Term		Construction		Revolving and term
For the year ended December 31, 2023
Beginning balance prior to adoption of ASC 326	$	6,116	$	—	$	821	$	3,097	$	—	$	162	$	2,559	$	199	$	1,029	$	1,062	$	1,678	$	16,723
Charge offs	(40)		—		—		(153)		—		—		—		—		(50)		(194)		—		(437)
Recoveries	2		75		—		3		—		—		14		—		13		97		—		204
Credit loss (reduction) expense	241		(105)		214		409		134		40		540		(316)		90		83		—		1,330
Impact of adopting ASC 326	(1,686)		4,315		943		1,645		1,184		132		1,878		735		(456)		(802)		(1,678)		6,210
Ending balance	$	4,633	$	4,285	$	1,978	$	5,001	$	1,318	$	334	$	4,991	$	618	$	626	$	246	$	—	$	24,030

The following table presents ACL activity by class for the nine months and quarter ended September 30, 2023:

Dollars in thousands	Commercial										Municipal		Residential				Home Equity		Consumer		Unallocated		Total
	Real Estate Owner Occupied		Real Estate Non-Owner Occupied		Construction		C&I		Multifamily				Term		Construction		Revolving and term
For the nine months ended September 30, 2023
Beginning balance prior to adoption of ASC 326	$	6,116	$	—	$	821	$	3,097	$	—	$	162	$	2,559	$	199	$	1,029	$	1,062	$	1,678	$	16,723
Charge offs	(40)		—		—		(16)		—		—		—		—		—		(152)		—		(208)
Recoveries	2		75		—		3		—		—		10		—		10		78		—		178
Credit loss (reduction) expense	119		39		(162)		68		93		82		439		(358)		34		65		—		419
Impact of adopting ASC 326	(1,686)		4,315		943		1,645		1,184		132		1,878		735		(456)		(802)		(1,678)		6,210
Ending balance	$	4,511	$	4,429	$	1,602	$	4,797	$	1,277	$	376	$	4,886	$	576	$	617	$	251	$	—	$	23,322
For the three months ended September 30, 2023
Beginning balance	$	4,719	$	4,492	$	1,469	$	4,721	$	1,312	$	399	$	4,831	$	609	$	635	$	278	$	—	$	23,465
Charge offs	(1)		—		—		(16)		—		—		—		—		—		(69)		—		(86)
Recoveries	2		75		—		—		—		—		4		—		3		20		—		104
Credit loss (reduction) expense	(209)		(138)		133		92		(35)		(23)		51		(33)		(21)		22		—		(161)
Ending balance	$	4,511	$	4,429	$	1,602	$	4,797	$	1,277	$	376	$	4,886	$	576	$	617	$	251	$	—	$	23,322