Note 3 - Loans and Allowance for Credit Losses on Loans (Tables)

6 Months Ended

Jun. 30, 2023

Notes Tables

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

(in thousands)	June 30, 2023		December 31, 2022
Commercial real estate - non-owner occupied	$	1,477,733	$	1,397,346
Commercial real estate - owner occupied		873,980		834,629
Total commercial real estate		2,351,713		2,231,975
Commercial and industrial - term		788,070		765,163
Commercial and industrial - term - PPP		7,088		18,593
Commercial and industrial - lines of credit		438,484		465,813
Total commercial and industrial		1,233,642		1,249,569
Residential real estate - owner occupied		664,870		591,515
Residential real estate - non-owner occupied		338,727		313,248
Total residential real estate		1,003,597		904,763
Construction and land development		451,324		445,690
Home equity lines of credit		202,574		200,725
Consumer		139,602		139,461
Leases		13,967		13,322
Credits cards		22,190		20,413
Total loans (1)	$	5,418,609	$	5,205,918

Purchased Financial Assets with Credit Deterioration [Table Text Block]

	CB
(in thousands)	March 7, 2022
Purchase price of PCD loans at acquisition	$	88,549
Allowance for credit losses at acquisition		(9,950	)
Non-credit discount at acquisition		(4,094	)
Fair value of PCD loans at acquisition	$	74,505

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

(in thousands)	Beginning		Provision for Credit Losses								Ending
Three Months Ended June 30, 2023	Balance		on Loans			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	21,669	$	87		$	-		$	17	$	21,773
Commercial real estate - owner occupied		11,429		128			-			-		11,557
Total commercial real estate		33,098		215			-			17		33,330
Commercial and industrial - term		13,998		851			(57	)		-		14,792
Commercial and industrial - lines of credit		6,025		416			-			62		6,503
Total commercial and industrial		20,023		1,267			(57	)		62		21,295
Residential real estate - owner occupied		8,205		662			(43	)		11		8,835
Residential real estate - non-owner occupied		4,144		24			-			1		4,169
Total residential real estate		12,349		686			(43	)		12		13,004
Construction and land development		6,735		17			-			-		6,752
Home equity lines of credit		1,618		(9	)		-			-		1,609
Consumer		1,186		201			(208	)		106		1,285
Leases		199		6			-			-		205
Credit cards		465		(233	)		(12	)		10		230
Total	$	75,673	$	2,150		$	(320	)	$	207	$	77,710

(in thousands)	Beginning		Provision for Credit Losses								Ending
Six Months Ended June 30, 2023	Balance		on Loans			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	22,641	$	(904	)	$	-		$	36	$	21,773
Commercial real estate - owner occupied		10,827		730			-			-		11,557
Total commercial real estate		33,468		(174	)		-			36		33,330
Commercial and industrial - term		12,991		1,929			(128	)		-		14,792
Commercial and industrial - lines of credit		6,389		(35	)		-			149		6,503
Total commercial and industrial		19,380		1,894			(128	)		149		21,295
Residential real estate - owner occupied		6,717		2,140			(43	)		21		8,835
Residential real estate - non-owner occupied		3,597		570			-			2		4,169
Total residential real estate		10,314		2,710			(43	)		23		13,004
Construction and land development		7,186		(434	)		-			-		6,752
Home equity lines of credit		1,613		8			(12	)		-		1,609
Consumer		1,158		289			(407	)		245		1,285
Leases		201		4			-			-		205
Credit cards		211		103			(100	)		16		230
Total	$	73,531	$	4,400		$	(690	)	$	469	$	77,710

(in thousands)	Beginning		Initial ACL on		Provision for Credit Losses								Ending
Three Months Ended June 30, 2022	Balance		PCD Loans		on Loans			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	20,620	$	-	$	101		$	-		$	2	$	20,723
Commercial real estate - owner occupied		11,326		-		(1,464	)		(41	)		21		9,842
Total commercial real estate		31,946		-		(1,363	)		(41	)		23		30,565
Commercial and industrial - term		11,108		-		1,174			(15	)		75		12,342
Commercial and industrial - lines of credit		6,508		-		(1,508	)		-			-		5,000
Total commercial and industrial		17,616		-		(334	)		(15	)		75		17,342
Residential real estate - owner occupied		5,363		-		575			(7	)		57		5,988
Residential real estate - non-owner occupied		3,361		-		(176	)		-			5		3,190
Total residential real estate		8,724		-		399			(7	)		62		9,178
Construction and land development		5,864		-		422			(72	)		-		6,214
Home equity lines of credit		1,467		-		54			-			-		1,521
Consumer		1,049		-		141			(235	)		158		1,113
Leases		211		-		10			-			-		221
Credit cards		190		-		(29	)		-			47		208
Total	$	67,067	$	-	$	(700	)	$	(370	)	$	365	$	66,362

(in thousands)	Beginning		Initial ACL on Loans Purchased with Credit		Provision for Credit Losses								Ending
Six Months Ended June 30, 2022	Balance		Deterioration		on Loans			Charge-offs			Recoveries		Balance
Commercial real estate - non-owner occupied	$	15,960	$	3,508	$	1,242		$	-		$	13	$	20,723
Commercial real estate - owner occupied		9,595		2,121		(1,876	)		(41	)		43		9,842
Total commercial real estate		25,555		5,629		(634	)		(41	)		56		30,565
Commercial and industrial - term		8,577		1,358		1,741			(128	)		794		12,342
Commercial and industrial - lines of credit		4,802		1,874		(1,640	)		(36	)		-		5,000
Total commercial and industrial		13,379		3,232		101			(164	)		794		17,342
Residential real estate - owner occupied		4,316		590		1,035			(13	)		60		5,988
Residential real estate - non-owner occupied		3,677		-		(495	)		-			8		3,190
Total residential real estate		7,993		590		540			(13	)		68		9,178
Construction and land development		4,789		419		1,078			(72	)		-		6,214
Home equity lines of credit		1,044		2		475			-			-		1,521
Consumer		772		78		403			(489	)		349		1,113
Leases		204		-		17			-			-		221
Credit cards		162		-		(1	)		-			47		208
Total	$	53,898	$	9,950	$	1,979		$	(779	)	$	1,314	$	66,362

(in thousands)			Accounts Receivable /						ACL
June 30, 2023	Real Estate		Equipment		Other		Total		Allocation
Commercial real estate - non-owner occupied	$	14,094	$	-	$	-	$	14,094	$	2,081
Commercial real estate - owner occupied		3,174		-		-		3,174		842
Total commercial real estate		17,268		-		-		17,268		2,923
Commercial and industrial - term		4,405		306		459		5,170		1,571
Commercial and industrial - lines of credit		2,734		159		-		2,893		750
Total commercial and industrial		7,139		465		459		8,063		2,321
Residential real estate - owner occupied		2,996		-		-		2,996		214
Residential real estate - non-owner occupied		588		-		-		588		116
Total residential real estate		3,584		-		-		3,584		330
Construction and land development		-		-		-		-		-
Home equity lines of credit		205		-		-		205		-
Consumer		-		-		407		407		20
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	28,196	$	465	$	866	$	29,527	$	5,594

(in thousands)			Accounts Receivable /						ACL
December 31, 2022	Real Estate		Equipment		Other		Total		Allocation
Commercial real estate - non-owner occupied	$	14,764	$	-	$	-	$	14,764	$	2,652
Commercial real estate - owner occupied		4,415		-		-		4,415		846
Total commercial real estate		19,179		-		-		19,179		3,498
Commercial and industrial - term		39		2,207		-		2,246		1,205
Commercial and industrial - lines of credit		422		2,821		-		3,243		761
Total commercial and industrial		461		5,028		-		5,489		1,966
Residential real estate - owner occupied		2,199		-		-		2,199		222
Residential real estate - non-owner occupied		415		-		-		415		116
Total residential real estate		2,614		-		-		2,614		338
Construction and land development		-		-		-		-		-
Home equity lines of credit		205		-		-		205		-
Consumer		-		-		219		219		20
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	22,459	$	5,028	$	219	$	27,706	$	5,822

Financing Receivable, Nonaccrual [Table Text Block]

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
June 30, 2023	Recorded ACL		Non-accrual		Accruing Interest
Commercial real estate - non-owner occupied	$	—	$	7,179	$	160
Commercial real estate - owner occupied		—		1,347		—
Total commercial real estate		—		8,526		160
Commercial and industrial - term		302		5,323		156
Commercial and industrial - PPP		—		—		—
Commercial and industrial - lines of credit		—		57		114
Total commercial and industrial		302		5,380		270
Residential real estate - owner occupied		245		2,451		—
Residential real estate - non-owner occupied		—		398		—
Total residential real estate		245		2,849		—
Construction and land development		—		—		—
Home equity lines of credit		—		204		—
Consumer		—		396		—
Leases		—		—		—
Credit cards		—		9		7
Total	$	547	$	17,364	$	437

	Non-accrual Loans						Past Due 90-Days-
(in thousands)	With No		Total		Troubled Debt		or-More and Still
December 31, 2022	Recorded ACL		Non-accrual		Restructurings (1)		Accruing Interest
Commercial real estate - non-owner occupied	$	—	$	7,707	$	—	$	78
Commercial real estate - owner occupied		1,370		2,525		—		—
Total commercial real estate		1,370		10,232		—		78
Commercial and industrial - term		403		1,182		—		259
Commercial and industrial - PPP		—		21		—		28
Commercial and industrial - lines of credit		273		348		—		300
Total commercial and industrial		676		1,551		—		587
Residential real estate - owner occupied		249		1,801		—		—
Residential real estate - non-owner occupied		—		219		—		220
Total residential real estate		249		2,020		—		220
Construction and land development		—		—		—		—
Home equity lines of credit		—		205		—		—
Consumer		—		234		—		—
Leases		—		—		—		—
Credit cards		—		—		—		7
Total	$	2,295	$	14,242	$	—	$	892

Financing Receivable, Past Due [Table Text Block]

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
June 30, 2023	Current		Past Due		Past Due		days Past Due		Due Loans		Loans
Commercial real estate - non-owner occupied	$	1,476,525	$	565	$	-	$	643	$	1,208	$	1,477,733
Commercial real estate - owner occupied		873,504		156		—		320		476		873,980
Total commercial real estate		2,350,029		721		—		963		1,684		2,351,713
Commercial and industrial - term		786,472		594		30		974		1,598		788,070
Commercial and industrial - term - PPP		7,088		—		—		—		—		7,088
Commercial and industrial - lines of credit		437,885		418		10		171		599		438,484
Total commercial and industrial		1,231,445		1,012		40		1,145		2,197		1,233,642
Residential real estate - owner occupied		661,389		1,917		629		935		3,481		664,870
Residential real estate - non-owner occupied		338,383		92		—		252		344		338,727
Total residential real estate		999,772		2,009		629		1,187		3,825		1,003,597
Construction and land development		451,261		63		—		—		63		451,324
Home equity lines of credit		202,206		129		85		154		368		202,574
Consumer		138,962		292		37		311		640		139,602
Leases		13,967		—		—		—		—		13,967
Credit cards		22,177		4		2		7		13		22,190
Total	$	5,409,819	$	4,230	$	793	$	3,767	$	8,790	$	5,418,609

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
December 31, 2022	Current		Past Due		Past Due		days Past Due		Due Loans		Loans
Commercial real estate - non-owner occupied	$	1,393,016	$	3,404	$	460	$	466	$	4,330	$	1,397,346
Commercial real estate - owner occupied		831,731		225		2,592		81		2,898		834,629
Total commercial real estate		2,224,747		3,629		3,052		547		7,228		2,231,975
Commercial and industrial - term		763,793		157		292		921		1,370		765,163
Commercial and industrial - term - PPP		17,719		748		77		49		874		18,593
Commercial and industrial - lines of credit		464,494		389		300		630		1,319		465,813
Total commercial and industrial		1,246,006		1,294		669		1,600		3,563		1,249,569
Residential real estate - owner occupied		587,830		1,613		974		1,098		3,685		591,515
Residential real estate - non-owner occupied		312,249		373		331		295		999		313,248
Total residential real estate		900,079		1,986		1,305		1,393		4,684		904,763
Construction and land development		445,618		—		72		—		72		445,690
Home equity lines of credit		200,036		566		40		83		689		200,725
Consumer		138,846		342		85		188		615		139,461
Leases		13,322		—		—		—		—		13,322
Credit cards		20,401		3		2		7		12		20,413
Total	$	5,189,055	$	7,820	$	5,225	$	3,818	$	16,863	$	5,205,918

Financing Receivable Credit Quality Indicators [Table Text Block]

(in thousands)	Term Loans Amortized Cost Basis by Origination Year																Revolving loans amortized
June 30, 2023	2023			2022		2021			2020			2019		Prior			cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	148,105		$	347,477	$	377,626		$	245,143		$	121,333	$	178,360		$	20,193	$	1,438,237
OAEM		78			-		2,918			-			3,395		1,501			-		7,892
Substandard		-			1,381		1,008			3,663			18,052		224			97		24,425
Substandard non-performing		6,355			-		-			-			77		747			-		7,179
Doubtful		-			-		-			-			-		-			-		-
Total Commercial real estate non-owner occupied	$	154,538		$	348,858	$	381,552		$	248,806		$	142,857	$	180,832		$	20,290	$	1,477,733
Current period gross charge offs	$	-		$	-	$	-		$	-		$	-	$	-		$	-	$	-
Commercial real estate - owner occupied:
Risk rating
Pass	$	82,250		$	173,810	$	203,710		$	180,082		$	96,535	$	106,908		$	14,209	$	857,504
OAEM		-			2,884		608			5,246			928		786			-		10,452
Substandard		-			1,313		1,130			-			669		1,565			-		4,677
Substandard non-performing		-			380		817			76			-		74			-		1,347
Doubtful		-			-		-			-			-		-			-		-
Total Commercial real estate owner occupied	$	82,250		$	178,387	$	206,265		$	185,404		$	98,132	$	109,333		$	14,209	$	873,980
Current period gross charge offs	$	-		$	-	$	-		$	-		$	-	$	-		$	-	$	-
Commercial and industrial - term:
Risk rating
Pass	$	199,784		$	261,664	$	188,314		$	67,502		$	32,095	$	28,909		$	-	$	778,268
OAEM		-			801		2,691			-			194		184			-		3,870
Substandard		88			38		-			-			157		326			-		609
Substandard non-performing		4,206			494		36			513			74		-			-		5,323
Doubtful		-			-		-			-			-		-			-		-
Total Commercial and industrial - term	$	204,078		$	262,997	$	191,041		$	68,015		$	32,520	$	29,419		$	-	$	788,070
Current period gross charge offs	$	(37	)	$	-	$	(6	)	$	(57	)	$	-	$	(28	)	$	-	$	(128	)
Commercial and industrial - PPP
Risk rating
Pass	$	-		$	-	$	4,703		$	2,385		$	-	$	-		$	-	$	7,088
OAEM		-			-		-			-			-		-			-		-
Substandard		-			-		-			-			-		-			-		-
Substandard non-performing		-			-		-			-			-		-			-		-
Doubtful		-			-		-			-			-		-			-		-
Total Commercial and industrial - PPP	$	-		$	-	$	4,703		$	2,385		$	-	$	-		$	-	$	7,088
Current period gross charge offs	$	-		$	-	$	-		$	-		$	-	$	-		$	-	$	-

(in thousands)	Term Loans Amortized Cost Basis by Origination Year													Revolving loans amortized
June 30, 2023	2023		2022		2021		2020		2019		Prior			cost basis			Total
Commercial and industrial - lines of credit
Risk rating
Pass	$	18,407	$	34,839	$	4,082	$	694	$	10,010	$	2,223		$	347,355		$	417,610
OAEM		-		-		-		-		-		-			15,498			15,498
Substandard		-		669		-		855		-		-			3,795			5,319
Substandard non-performing		-		-		-		-		-		-			57			57
Doubtful		-		-		-		-		-		-			-			-
Total Commercial and industrial - lines of credit	$	18,407	$	35,508	$	4,082	$	1,549	$	10,010	$	2,223		$	366,705		$	438,484
Current period gross charge offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-		$	-
Residential real estate - owner occupied
Risk rating
Pass	$	102,646	$	183,469	$	183,119	$	91,258	$	24,733	$	76,606		$	-		$	661,831
OAEM		-		-		93		-		61		-			-			154
Substandard		-		16		-		9		-		409			-			434
Substandard non-performing		178		356		169		207		56		1,485			-			2,451
Doubtful		-		-		-		-		-		-			-			-
Total Residential real estate - owner occupied	$	102,824	$	183,841	$	183,381	$	91,474	$	24,850	$	78,500		$	-		$	664,870
Current period gross charge offs	$	-	$	-	$	-	$	-	$	-	$	(43	)	$	-		$	(43	)
Residential real estate - non-owner occupied
Risk rating
Pass	$	45,316	$	91,012	$	81,151	$	52,159	$	32,246	$	35,566		$	-		$	337,450
OAEM		-		13		-		-		262		283			-			558
Substandard		-		-		-		-		-		321			-			321
Substandard non-performing		-		256		20		-		47		75			-			398
Doubtful		-		-		-		-		-		-			-			-
Total Residential real estate - non-owner occupied	$	45,316	$	91,281	$	81,171	$	52,159	$	32,555	$	36,245		$	-		$	338,727
Current period gross charge offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-		$	-
Construction and land development
Risk rating
Pass	$	48,898	$	253,949	$	68,273	$	51,232	$	501	$	3,902		$	19,396		$	446,151
OAEM		-		-		-		-		-		-			999			999
Substandard		4,174		-		-		-		-		-			-			4,174
Substandard non-performing		-		-		-		-		-		-			-			-
Doubtful		-		-		-		-		-		-			-			-
Total Construction and land development	$	53,072	$	253,949	$	68,273	$	51,232	$	501	$	3,902		$	20,395		$	451,324
Current period gross charge offs	$	-	$	-	$	-	$	-	$	-	$	-		$	-		$	-
Home equity lines of credit
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-		$	202,332		$	202,332
OAEM		-		-		-		-		-		-			-			-
Substandard		-		-		-		-		-		-			38			38
Substandard non-performing		-		-		-		-		-		-			204			204
Doubtful		-		-		-		-		-		-			-			-
Total Home equity lines of credit	$	-	$	-	$	-	$	-	$	-	$	-		$	202,574		$	202,574
Current period gross charge offs	$	-	$	-	$	-	$	-	$	-	$	-		$	(12	)	$	(12	)

(in thousands)	Term Loans Amortized Cost Basis by Origination Year																		Revolving loans amortized
June 30, 2023	2023			2022			2021			2020			2019			Prior			cost basis			Total
Consumer
Risk rating
Pass	$	18,590		$	22,799		$	13,229		$	4,055		$	3,084		$	2,601		$	74,848		$	139,206
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		-			65			99			27			37			35			133			396
Doubtful		-			-			-			-			-			-			-			-
Total Consumer	$	18,590		$	22,864		$	13,328		$	4,082		$	3,121		$	2,636		$	74,981		$	139,602
Current period gross charge offs	$	(315	)	$	(11	)	$	(7	)	$	(34	)	$	(17	)	$	(21	)	$	(2	)	$	(407	)
Leases
Risk rating
Pass	$	3,929		$	3,815		$	2,149		$	379		$	393		$	3,302		$	-		$	13,967
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		-			-			-			-			-			-			-			-
Doubtful		-			-			-			-			-			-			-			-
Total Leases	$	3,929		$	3,815		$	2,149		$	379		$	393		$	3,302		$	-		$	13,967
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Credit cards
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-		$	-		$	22,181		$	22,181
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		-			-			-			-			-			-			9			9
Doubtful		-			-			-			-			-			-			-			-
Total Credit cards	$	-		$	-		$	-		$	-		$	-		$	-		$	22,190		$	22,190
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	(100	)	$	(100	)
Total loans
Risk rating
Pass	$	667,925		$	1,372,834		$	1,126,356		$	694,889		$	320,930		$	438,377		$	700,514		$	5,321,825
OAEM		78			3,698			6,310			5,246			4,840			2,754			16,497			39,423
Substandard		4,262			3,417			2,138			4,527			18,878			2,845			3,930			39,997
Substandard non-performing		10,739			1,551			1,141			823			291			2,416			403			17,364
Doubtful		-			-			-			-			-			-			-			-
Total Loans	$	683,004		$	1,381,500		$	1,135,945		$	705,485		$	344,939		$	446,392		$	721,344		$	5,418,609
Current period gross charge offs	$	(352	)	$	(11	)	$	(13	)	$	(91	)	$	(17	)	$	(92	)	$	(114	)	$	(690	)

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
December 31, 2022	2022		2021		2020		2019		2018		Prior		cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	338,460	$	380,612	$	264,833	$	128,407	$	76,359	$	139,095	$	24,875	$	1,352,641
OAEM		-		2,006		-		3,534		-		5,414		-		10,954
Substandard		1,381		1,012		3,744		19,574		-		233		100		26,044
Substandard non-performing		-		-		-		-		-		7,707		-		7,707
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate non-owner occupied	$	339,841	$	383,630	$	268,577	$	151,515	$	76,359	$	152,449	$	24,975	$	1,397,346
Commercial real estate - owner occupied:
Risk rating
Pass	$	165,711	$	202,599	$	194,052	$	104,148	$	60,899	$	74,356	$	13,062	$	814,827
OAEM		2,895		1,777		4,540		1,891		676		216		510		12,505
Substandard		-		1,152		-		1,623		1,928		69		-		4,772
Substandard non-performing		1,533		911		-		-		-		81		-		2,525
Doubtful		-		-		-		-		-		-		-		-
Total Commercial real estate owner occupied	$	170,139	$	206,439	$	198,592	$	107,662	$	63,503	$	74,722	$	13,572	$	834,629
Commercial and industrial - term:
Risk rating
Pass	$	357,470	$	210,906	$	90,063	$	39,068	$	29,901	$	27,354	$	-	$	754,762
OAEM		3,835		2,935		-		303		1,426		-		-		8,499
Substandard		178		-		-		201		-		341		-		720
Substandard non-performing		539		39		486		101		17		-		-		1,182
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - term	$	362,022	$	213,880	$	90,549	$	39,673	$	31,344	$	27,695	$	-	$	765,163
Commercial and industrial - PPP
Risk rating
Pass	$	-	$	14,212	$	4,047	$	-	$	-	$	-	$	-	$	18,259
OAEM		-		-		313		-		-		-		-		313
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		21		-		-		-		-		21
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - PPP	$	-	$	14,212	$	4,381	$	-	$	-	$	-	$	-	$	18,593

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
December 31, 2022	2022		2021		2020		2019		2018		Prior		cost basis		Total
Commercial and industrial - lines of credit
Risk rating
Pass	$	54,948	$	13,999	$	991	$	9,179	$	1,188	$	1,033	$	367,688	$	449,026
OAEM		-		-		-		-		-		366		12,491		12,857
Substandard		-		-		905		1,915		-		-		762		3,582
Substandard non-performing		-		-		-		273		-		-		75		348
Doubtful		-		-		-		-		-		-		-		-
Total Commercial and industrial - lines of credit	$	54,948	$	13,999	$	1,896	$	11,367	$	1,188	$	1,399	$	381,016	$	465,813
Residential real estate - owner occupied
Risk rating
Pass	$	188,765	$	189,007	$	96,818	$	28,316	$	15,281	$	70,556	$	-	$	588,743
OAEM		360		96		-		70		-		-		-		526
Substandard		18		-		10		-		140		277		-		445
Substandard non-performing		65		191		70		292		122		1,061		-		1,801
Doubtful		-		-		-		-		-		-		-		-
Total Residential real estate - owner occupied	$	189,208	$	189,294	$	96,898	$	28,678	$	15,543	$	71,894	$	-	$	591,515
Residential real estate - non-owner occupied
Risk rating
Pass	$	97,313	$	83,458	$	55,787	$	34,304	$	19,300	$	21,720	$	-	$	311,882
OAEM		15		-		115		271		124		290		-		815
Substandard		-		-		-		-		-		332		-		332
Substandard non-performing		86		21		-		-		-		112		-		219
Doubtful		-		-		-		-		-		-		-		-
Total Residential real estate - non-owner occupied	$	97,414	$	83,479	$	55,902	$	34,575	$	19,424	$	22,454	$	-	$	313,248
Construction and land development
Risk rating
Pass	$	257,559	$	99,204	$	45,427	$	580	$	5,959	$	1,123	$	30,378	$	440,230
OAEM		-		-		-		-		-		-		999		999
Substandard		4,461		-		-		-		-		-		-		4,461
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Construction and land development	$	262,020	$	99,204	$	45,427	$	580	$	5,959	$	1,123	$	31,377	$	445,690
Home equity lines of credit
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	200,481	$	200,481
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		39		39
Substandard non-performing		-		-		-		-		-		-		205		205
Doubtful		-		-		-		-		-		-		-		-
Total Home equity lines of credit	$	-	$	-	$	-	$	-	$	-	$	-	$	200,725	$	200,725

(in thousands)	Term Loans Amortized Cost Basis by Origination Year												Revolving loans amortized
December 31, 2022	2022		2021		2020		2019		2018		Prior		cost basis		Total
Consumer
Risk rating
Pass	$	27,308	$	18,396	$	5,536	$	5,450	$	2,270	$	1,621	$	78,646	$	139,227
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		21		56		40		62		9		31		15		234
Doubtful		-		-		-		-		-		-		-		-
Total Consumer	$	27,329	$	18,452	$	5,576	$	5,512	$	2,279	$	1,652	$	78,661	$	139,461
Leases
Risk rating
Pass	$	4,643	$	4,344	$	2,589	$	535	$	576	$	635	$	-	$	13,322
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Leases	$	4,643	$	4,344	$	2,589	$	535	$	576	$	635	$	-	$	13,322
Credit cards
Risk rating
Pass	$	-	$	-	$	-	$	-	$	-	$	-	$	20,413	$	20,413
OAEM		-		-		-		-		-		-		-		-
Substandard		-		-		-		-		-		-		-		-
Substandard non-performing		-		-		-		-		-		-		-		-
Doubtful		-		-		-		-		-		-		-		-
Total Credit cards	$	-	$	-	$	-	$	-	$	-	$	-	$	20,413	$	20,413
Total loans
Risk rating
Pass	$	1,492,177	$	1,216,737	$	760,143	$	349,987	$	211,733	$	337,493	$	735,543	$	5,103,813
OAEM		7,105		6,814		4,968		6,069		2,226		6,286		14,000		47,468
Substandard		6,038		2,164		4,659		23,313		2,068		1,252		901		40,395
Substandard non-performing		2,244		1,218		617		728		148		8,992		295		14,242
Doubtful		-		-		-		-		-		-		-		-
Total Loans	$	1,507,564	$	1,226,933	$	770,387	$	380,097	$	216,175	$	354,023	$	750,739	$	5,205,918

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

	June 30,		December 31,
(in thousands)	2023		2022
Credit cards
Performing	$	22,174	$	20,413
Non-performing		16		—
Total credit cards	$	22,190	$	20,413

Financing Receivable, Modified [Table Text Block]

	June 30, 2022
			Specific		Additional
			reserve		commitment
(in thousands)	Balance		allocation		to lend
Commercial real estate - owner occupied	$	917	$	202	$	—
Commercial & industrial - term		—		—		—
Total TDRs	$	917	$	202	$	—