Note 4 - Loans and Allowance for Credit Losses on Loans (Tables)

3 Months Ended

Mar. 31, 2022

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

(in thousands)	March 31, 2022		December 31, 2021
Commercial real estate - non-owner occupied	$	1,397,633	$	1,128,244
Commercial real estate - owner occupied		803,181		678,405
Total commercial real estate		2,200,814		1,806,649
Commercial and industrial - term		669,241		596,710
Commercial and industrial - term - PPP		71,361		140,734
Commercial and industrial - lines of credit		414,739		370,312
Total commercial and industrial		1,155,341		1,107,756
Residential real estate - owner occupied		492,123		400,695
Residential real estate - non-owner occupied		297,127		281,018
Total residential real estate		789,250		681,713
Construction and land development		346,372		299,206
Home equity lines of credit		186,024		138,976
Consumer		135,198		104,294
Leases		13,952		13,622
Credits cards		20,732		17,087
Total loans (1)	$	4,847,683	$	4,169,303

Purchased Financial Assets with Credit Deterioration [Table Text Block]

	CB			KB
(in thousands)	March 7, 2022			May 31, 2021
Purchase price of PCD loans at acquisition	$	88,549		$	32,765
Allowance for credit losses at acquisition		(9,950	)		(6,757	)
Non-credit discount at acquisition		(4,094	)		(735	)
Fair value of PCD loans at acquisition	$	74,505		$	25,273

Financing Receivable, Allowance for Credit Loss [Table Text Block]

(in thousands)	Beginning		Initial Allowance on PCD		Provision for Credit Losses								Ending
Three Months Ended March 31, 2022	Balance		Loans		on Loans			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	15,960	$	3,508	$	1,140		$	-		$	12	$	20,620
Commercial real estate - owner occupied		9,595		2,121		(411	)		-			21		11,326
Total commercial real estate		25,555		5,629		729			-			33		31,946
Commercial and industrial - term		8,577		1,358		567			(113	)		719		11,108
Commercial and industrial - lines of credit		4,802		1,874		(132	)		(36	)		-		6,508
Total commercial and industrial		13,379		3,232		435			(149	)		719		17,616
Residential real estate - owner occupied		4,316		590		460			(6	)		3		5,363
Residential real estate - non-owner occupied		3,677		-		(319	)		-			3		3,361
Total residential real estate		7,993		590		141			(6	)		6		8,724
Construction and land development		4,789		419		656			-			-		5,864
Home equity lines of credit		1,044		2		421			-			-		1,467
Consumer		772		78		262			(254	)		191		1,049
Leases		204		-		7			-			-		211
Credit cards		162		-		28			-			-		190
Total	$	53,898	$	9,950	$	2,679		$	(409	)	$	949	$	67,067

(in thousands)	Beginning		Provision for Credit Losses								Ending
Three Months Ended March 31, 2021	Balance		on Loans			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	19,396	$	635		$	-		$	31	$	20,062
Commercial real estate - owner occupied		6,983		82			-			-		7,065
Total commercial real estate		26,379		717			-			31		27,127
Commercial and industrial - term		8,970		(452	)		(55	)		6		8,469
Commercial and industrial - lines of credit		3,614		(631	)		-			-		2,983
Total commercial and industrial		12,584		(1,083	)		(55	)		6		11,452
Residential real estate - owner occupied		3,389		(94	)		(3	)		1		3,293
Residential real estate - non-owner occupied		1,818		(110	)		-			-		1,708
Total residential real estate		5,207		(204	)		(3	)		1		5,001
Construction and land development		6,119		(592	)		-			-		5,527
Home equity lines of credit		895		(52	)		-			-		843
Consumer		340		41			(64	)		78		395
Leases		261		(26	)		-			-		235
Credit cards		135		(1	)		-			-		134
Total	$	51,920	$	(1,200	)	$	(122	)	$	116	$	50,714

(in thousands)			Accounts Receivable /						ACL
March 31, 2022	Real Estate		Equipment		Other		Total		Allocation
Commercial real estate - non-owner occupied	$	4,705	$	-	$	-	$	4,705	$	588
Commercial real estate - owner occupied		8,237		-		-		8,237		2,396
Total commercial real estate		12,942		-		-		12,942		2,984
Commercial and industrial - term		752		666		1,937		3,355		1,358
Commercial and industrial - lines of credit		-		1,553		2,956		4,509		1,402
Total commercial and industrial		752		2,219		4,893		7,864		2,760
Residential real estate - owner occupied		3,224		-		-		3,224		330
Residential real estate - non-owner occupied		489		-		-		489		116
Total residential real estate		3,713		-		-		3,713		446
Construction and land development		3,639		-		-		3,639		419
Home equity lines of credit		481		-		-		481		2
Consumer		-		-		167		167		20
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	21,527	$	2,219	$	5,060	$	28,806	$	6,631

(in thousands)			Accounts Receivable /						ACL
December 31, 2021	Real Estate		Equipment		Other		Total		Allocation
Commercial real estate - non-owner occupied	$	720	$	-	$	-	$	720	$	-
Commercial real estate - owner occupied		7,652		-		-		7,652		1,652
Total commercial real estate		8,372		-		-		8,372		1,652
Commercial and industrial - term		-		598		-		598		-
Commercial and industrial - lines of credit		-		200		-		200		-
Total commercial and industrial		-		798		-		798		-
Residential real estate - owner occupied		1,997		-		-		1,997		-
Residential real estate - non-owner occupied		502		-		-		502		116
Total residential real estate		2,499		-		-		2,499		116
Construction and land development		-		-		-		-		-
Home equity lines of credit		646		-		-		646		-
Consumer		-		-		247		247		-
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	11,517	$	798	$	247	$	12,562	$	1,768

Financing Receivable, Nonaccrual [Table Text Block]

	Non-accrual Loans						Past Due 90-Days-
(in thousands)	With No		Total		Troubled Debt		or-More and Still
March 31, 2022	Recorded ACL		Non-accrual Loans		Restructurings (1)		Accruing Interest
Commercial real estate - non-owner occupied	$	485	$	1,117	$	—	$	—
Commercial real estate - owner occupied		2,237		3,912		—		115
Total commercial real estate		2,722		5,029		—		115
Commercial and industrial - term		490		3,053		10		—
Commercial and industrial - PPP		—		—		—		4
Commercial and industrial - lines of credit		498		663		—		30
Total commercial and industrial		988		3,716		10		34
Residential real estate - owner occupied		794		2,636		—		—
Residential real estate - non-owner occupied		—		282		—		—
Total residential real estate		794		2,918		—		—
Construction and land development		—		—		—		—
Home equity lines of credit		—		481		—		—
Consumer		—		350		—		151
Leases		—		—		—		—
Credit cards		—		—		—		—
Total	$	4,504	$	12,494	$	10	$	300

	Non-accrual Loans						Past Due 90-Days-
(in thousands)	With No		Total		Troubled Debt		or-More and Still
December 31, 2021	Recorded ACL		Non-accrual Loans		Restructurings (1)		Accruing Interest
Commercial real estate - non-owner occupied	$	486	$	720	$	—	$	—
Commercial real estate - owner occupied		665		1,748		—		—
Total commercial real estate		1,151		2,468		—		—
Commercial and industrial - term		419		670		12		—
Commercial and industrial - PPP		—		—		—		592
Commercial and industrial - lines of credit		—		228		—		56
Total commercial and industrial		419		898		12		648
Residential real estate - owner occupied		805		1,997		—		36
Residential real estate - non-owner occupied		—		293		—		—
Total residential real estate		805		2,290		—		36
Construction and land development		—		—		—		—
Home equity lines of credit		—		646		—		—
Consumer		—		410		—		—
Leases		—		—		—		—
Credit cards		—		—		—		—
Total	$	2,375	$	6,712	$	12	$	684

Financing Receivable, Past Due [Table Text Block]

(in thousands)			30-59 days		60-89 days		90 or more		Total		Total
March 31, 2022	Current		Past Due		Past Due		Days Past Due		Past Due		Loans
Commercial real estate - non-owner occupied	$	1,396,660	$	338	$	-	$	635	$	973	$	1,397,633
Commercial real estate - owner occupied		800,656		285		1,643		597		2,525		803,181
Total commercial real estate		2,197,316		623		1,643		1,232		3,498		2,200,814
Commercial and industrial - term		668,218		248		290		485		1,023		669,241
Commercial and industrial - term - PPP		71,237		118		2		4		124		71,361
Commercial and industrial - lines of credit		414,143		466		100		30		596		414,739
Total commercial and industrial		1,153,598		832		392		519		1,743		1,155,341
Residential real estate - owner occupied		488,272		2,119		4		1,728		3,851		492,123
Residential real estate - non-owner occupied		296,351		316		365		95		776		297,127
Total residential real estate		784,623		2,435		369		1,823		4,627		789,250
Construction and land development		346,372		—		—		—		—		346,372
Home equity lines of credit		185,461		139		170		254		563		186,024
Consumer		134,490		327		31		350		708		135,198
Leases		13,952		—		—		—		—		13,952
Credit cards		20,704		28		—		—		28		20,732
Total	$	4,836,516	$	4,384	$	2,605	$	4,178	$	11,167	$	4,847,683

(in thousands)			30-59 days		60-89 days		90 or more		Total		Total
December 31, 2021	Current		Past Due		Past Due		Days Past Due		Past Due		Loans
Commercial real estate - non-owner occupied	$	1,127,448	$	-	$	81	$	715	$	796	$	1,128,244
Commercial real estate - owner occupied		677,231		360		327		487		1,174		678,405
Total commercial real estate		1,804,679		360		408		1,202		1,970		1,806,649
Commercial and industrial - term		595,070		1,032		44		564		1,640		596,710
Commercial and industrial - term - PPP		139,718		128		296		592		1,016		140,734
Commercial and industrial - lines of credit		369,963		271		22		56		349		370,312
Total commercial and industrial		1,104,751		1,431		362		1,212		3,005		1,107,756
Residential real estate - owner occupied		397,415		1,399		137		1,744		3,280		400,695
Residential real estate - non-owner occupied		280,257		403		258		100		761		281,018
Total residential real estate		677,672		1,802		395		1,844		4,041		681,713
Construction and land development		299,206		—		—		—		—		299,206
Home equity lines of credit		138,141		279		47		509		835		138,976
Consumer		103,109		724		102		359		1,185		104,294
Leases		13,622		—		—		—		—		13,622
Credit cards		17,087		—		—		—		—		17,087
Total	$	4,158,267	$	4,596	$	1,314	$	5,126	$	11,036	$	4,169,303

Financing Receivable Credit Quality Indicators [Table Text Block]

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
March 31, 2022	2022		2021		2020		2019		2018		Prior		cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	116,262	$	410,510	$	288,703	$	198,413	$	100,462	$	198,073	$	21,294	$	1,333,717
OAEM		-		5,938		2,363		19,387		-		5,601		6,105		39,394
Substandard		4,174		298		3,195		8,163		-		7,475		100		23,405
Substandard non-performing		-		-		39		-		-		1,078		-		1,117
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate non-owner occupied	$	120,436	$	416,746	$	294,300	$	225,963	$	100,462	$	212,227	$	27,499	$	1,397,633
Commercial real estate - owner occupied:
Risk rating
Pass	$	44,171	$	213,962	$	205,034	$	110,962	$	79,334	$	108,379	$	7,833	$	769,675
OAEM		-		1,681		1,470		3,346		442		812		2,859		10,610
Substandard		2,294		2,617		1,811		7,345		2,031		2,487		399		18,984
Substandard non-performing		-		1,194		1,992		-		-		726		-		3,912
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate owner occupied	$	46,465	$	219,454	$	210,307	$	121,653	$	81,807	$	112,404	$	11,091	$	803,181
Commercial and industrial - term:
Risk rating
Pass	$	80,556	$	276,156	$	135,281	$	55,767	$	48,529	$	59,735	$	-	$	656,024
OAEM		3,153		369		-		472		2,858		6		-		6,858
Substandard		164		1		35		2,527		165		414		-		3,306
Substandard non-performing		-		1,983		540		-		48		482		-		3,053
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - term	$	83,873	$	278,509	$	135,856	$	58,766	$	51,600	$	60,637	$	-	$	669,241
Commercial and industrial - PPP
Risk rating
Pass	$	-	$	65,602	$	5,759	$	-	$	-	$	-	$	-	$	71,361
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - PPP	$	-	$	65,602	$	5,759	$	-	$	-	$	-	$	-	$	71,361

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
March 31, 2022	2022		2021		2020		2019		2018		Prior		cost basis		Total
Commercial and industrial - lines of credit
Risk rating
Pass	$	5,582	$	29,648	$	7,279	$	17,795	$	1,434	$	3,354	$	332,427	$	397,519
OAEM		-		-		-		-		-		439		6,871		7,310
Substandard		-		-		975		3,810		-		2,537		1,925		9,247
Substandard non-performing		-		39		-		-		-		-		624		663
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - lines of credit	$	5,582	$	29,687	$	8,254	$	21,605	$	1,434	$	6,330	$	341,847	$	414,739
Residential real estate - owner occupied
Risk rating
Pass	$	35,908	$	204,160	$	103,926	$	34,925	$	19,421	$	89,629	$	-	$	487,969
OAEM		-		99		-		85		-		121		-		305
Substandard		-		-		10		-		146		1,057		-		1,213
Substandard non-performing		2		204		102		375		227		1,726		-		2,636
Doubtful		-		-		-		-		-		-		-		-
Total Residential real estate - owner occupied	$	35,910	$	204,463	$	104,038	$	35,385	$	19,794	$	92,533	$	-	$	492,123
Residential real estate - non-owner occupied
Risk rating
Pass	$	39,704	$	91,593	$	65,551	$	42,994	$	25,066	$	30,282	$	-	$	295,190
OAEM		194		154		123		270		130		426		-		1,297
Substandard		-		-		-		-		-		358		-		358
Substandard non-performing		-		120		-		44		-		118		-		282
Doubtful		-		-		-		-		-		-		-		-
Total Residential real estate - non-owner occupied	$	39,898	$	91,867	$	65,674	$	43,308	$	25,196	$	31,184	$	-	$	297,127
Construction and land development
Risk rating
Pass	$	29,002	$	144,489	$	105,969	$	29,766	$	6,203	$	2,193	$	25,153	$	342,775
OAEM		-		-		-		-		-		94		-		94
Substandard		-		93		-		3,123		-		287		-		3,503
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Construction and land development	$	29,002	$	144,582	$	105,969	$	32,889	$	6,203	$	2,574	$	25,153	$	346,372
Home equity lines of credit
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	185,413	$	185,413
OAEM		-		-		-		-		-		-		90		90
Substandard		-		-		-		-		-		-		40		40
Substandard non-performing		-		-		-		-		-		-		481		481
Doubtful		-		-		-		-		-		-		-		-
Total Home equity lines of credit	$	-	$	-	$	-	$	-	$	-	$	-	$	186,024	$	186,024

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
March 31, 2022	2022		2021		2020		2019		2018		Prior		cost basis		Total
Consumer
Risk rating
Pass	$	5,266	$	24,330	$	8,864	$	8,321	$	4,441	$	3,348	$	80,204	$	134,774
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		36		36		-		2		-		74
Substandard non-performing		-		39		156		64		16		68		7		350
Doubtful		-		-		-		-		-		-		-		-
Total Consumer	$	5,266	$	24,369	$	9,056	$	8,421	$	4,457	$	3,418	$	80,211	$	135,198
Leases
Risk rating
Pass	$	1,564	$	5,128	$	3,276	$	1,222	$	1,171	$	1,591	$	-	$	13,952
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Leases	$	1,564	$	5,128	$	3,276	$	1,222	$	1,171	$	1,591	$	-	$	13,952
Credit cards
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	20,732	$	20,732
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Credit cards	$	-	$	-	$	-	$	-	$	-	$	-	$	20,732	$	20,732
Total loans
Risk rating
Pass	$	358,015	$	1,465,578	$	929,642	$	500,165	$	286,061	$	496,584	$	673,056	$	4,709,101
OAEM		3,347		8,241		3,956		23,560		3,430		7,499		15,925		65,958
Substandard		6,632		3,009		6,062		25,004		2,342		14,617		2,464		60,130
Substandard non-performing		2		3,579		2,829		483		291		4,198		1,112		12,494
Doubtful		-		-		-		-		-		-		-		-
Total Loans	$	367,996	$	1,480,407	$	942,489	$	549,212	$	292,124	$	522,898	$	692,557	$	4,847,683

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
December 31, 2021	2021		2020		2019		2018		2017		Prior		cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	381,014	$	298,177	$	134,286	$	86,638	$	85,110	$	81,635	$	19,465	$	1,086,325
OAEM		3,186		2,666		19,784		-		353		1,619		248		27,856
Substandard		4,174		1,440		-		-		-		7,629		100		13,343
Substandard non-performing		-		39		78		-		592		11		-		720
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate non-owner occupied	$	388,374	$	302,322	$	154,148	$	86,638	$	86,055	$	90,894	$	19,813	$	1,128,244
Commercial real estate - owner occupied:
Risk rating
Pass	$	203,545	$	192,322	$	91,078	$	75,062	$	33,713	$	44,364	$	9,236	$	649,320
OAEM		1,681		1,480		3,568		469		1,506		124		570		9,398
Substandard		5,051		3,605		5,985		1,275		627		-		1,396		17,939
Substandard non-performing		1,259		-		-		-		32		457		-		1,748
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate owner occupied	$	211,536	$	197,407	$	100,631	$	76,806	$	35,878	$	44,945	$	11,202	$	678,405
Commercial and industrial - term:
Risk rating
Pass	$	283,150	$	143,211	$	58,988	$	52,388	$	26,081	$	24,421	$	-	$	588,239
OAEM		738		86		254		3,382		8		-		-		4,468
Substandard		170		42		2,667		176		111		167		-		3,333
Substandard non-performing		-		543		72		55		-		-		-		670
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - term	$	284,058	$	143,882	$	61,981	$	56,001	$	26,200	$	24,588	$	-	$	596,710
Commercial and industrial - PPP
Risk rating
Pass	$	128,409	$	12,325	$	-	$	-	$	-	$	-	$	-	$	140,734
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - PPP	$	128,409	$	12,325	$	-	$	-	$	-	$	-	$	-	$	140,734

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
December 31, 2021	2021		2020		2019		2018		2017		Prior		cost basis		Total
Commercial and industrial - lines of credit
Risk rating
Pass	$	33,875	$	8,352	$	11,103	$	1,039	$	207	$	193	$	303,682	$	358,451
OAEM		-		-		-		-		-		-		6,355		6,355
Substandard		-		-		1,916		-		1,549		-		1,813		5,278
Substandard non-performing		-		-		-		-		-		-		228		228
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - lines of credit	$	33,875	$	8,352	$	13,019	$	1,039	$	1,756	$	193	$	312,078	$	370,312
Residential real estate - owner occupied
Risk rating
Pass	$	176,487	$	99,936	$	31,327	$	17,259	$	16,599	$	56,639	$	-	$	398,247
OAEM		101		-		174		-		-		-		-		275
Substandard		-		-		-		-		108		68		-		176
Substandard non-performing		164		103		136		230		714		650		-		1,997
Doubtful		-		-		-		-		-		-		-		-
Total Residential real estate - owner occupied	$	176,752	$	100,039	$	31,637	$	17,489	$	17,421	$	57,357	$	-	$	400,695
Residential real estate - non-owner occupied
Risk rating
Pass	$	94,482	$	78,785	$	46,177	$	27,494	$	16,171	$	15,909	$	-	$	279,018
OAEM		352		126		281		132		-		462		-		1,353
Substandard		-		-		-		-		-		354		-		354
Substandard non-performing		103		-		45		28		-		117		-		293
Doubtful		-		-		-		-		-		-		-		-
Total Residential real estate - non-owner occupied	$	94,937	$	78,911	$	46,503	$	27,654	$	16,171	$	16,842	$	-	$	281,018
Construction and land development
Risk rating
Pass	$	160,696	$	99,699	$	16,665	$	6,262	$	1,890	$	1,156	$	12,736	$	299,104
OAEM		-		-		-		-		102		-		-		102
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Construction and land development	$	160,696	$	99,699	$	16,665	$	6,262	$	1,992	$	1,156	$	12,736	$	299,206
Home equity lines of credit
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	138,239	$	138,239
OAEM		-		-		-		-		-		-		91		91
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		646		646
Doubtful		-		-		-		-		-		-		-		-
Total Home equity lines of credit	$	-	$	-	$	-	$	-	$	-	$	-	$	138,976	$	138,976

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
December 31, 2021	2021		2020		2019		2018		2017		Prior		cost basis		Total
Consumer
Risk rating
Pass	$	23,866	$	9,316	$	5,014	$	1,260	$	555	$	646	$	63,227	$	103,884
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		55		304		30		11		-		4		6		410
Doubtful		-		-		-		-		-		-		-		-
Total Consumer	$	23,921	$	9,620	$	5,044	$	1,271	$	555	$	650	$	63,233	$	104,294
Leases
Risk rating
Pass	$	5,375	$	3,596	$	1,375	$	1,331	$	406	$	1,539	$	-	$	13,622
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Leases	$	5,375	$	3,596	$	1,375	$	1,331	$	406	$	1,539	$	-	$	13,622
Credit cards
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	17,087	$	17,087
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Credit cards	$	-	$	-	$	-	$	-	$	-	$	-	$	17,087	$	17,087
Total loans
Risk rating
Pass	$	1,490,899	$	945,719	$	396,013	$	268,733	$	180,732	$	226,502	$	563,672	$	4,072,270
OAEM		6,058		4,358		24,061		3,983		1,969		2,205		7,264		49,898
Substandard		9,395		5,087		10,568		1,451		2,395		8,218		3,309		40,423
Substandard non-performing		1,581		989		361		324		1,338		1,239		880		6,712
Doubtful		-		-		-		-		-		-		-		-
Total Loans	$	1,507,933	$	956,153	$	431,003	$	274,491	$	186,434	$	238,164	$	575,125	$	4,169,303

Financinng Receivable, Schedule of Payment Activity [Table Text Block]

	March 31,		December 31,
(in thousands)	2022		2021
Credit cards
Performing	$	20,732	$	17,087
Non-performing		—		—
Total credit cards	$	20,732	$	17,087

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

	March 31, 2022						December 31, 2021
			Specific		Additional				Specific		Additional
			reserve		commitment				reserve		commitment
(in thousands)	Balance		allocation		to lend		Balance		allocation		to lend
Commercial real estate - owner occupied	$	888	$	202	$	—	$	950	$	202	$	—
Commercial & industrial - term		10		10		—		12		12		—
Total TDRs	$	898	$	212	$	—	$	962	$	214	$	—