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

3 Months Ended

Mar. 31, 2024

Notes Tables

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

(in thousands)	March 31, 2024		December 31, 2023
Commercial real estate - non-owner occupied	$	1,609,483	$	1,561,689
Commercial real estate - owner occupied		931,973		907,424
Total commercial real estate		2,541,456		2,469,113
Commercial and industrial - term		864,272		867,380
Commercial and industrial - lines of credit		429,424		439,748
Total commercial and industrial		1,293,696		1,307,128
Residential real estate - owner occupied		723,234		708,893
Residential real estate - non-owner occupied		360,958		358,715
Total residential real estate		1,084,192		1,067,608
Construction and land development		532,183		531,324
Home equity lines of credit		212,443		211,390
Consumer		145,022		145,340
Leases		16,619		15,503
Credits cards		24,104		23,632
Total loans (1)	$	5,849,715	$	5,771,038

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

(in thousands) Three Months Ended March 31, 2024	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance
Commercial real estate - non-owner occupied	$	22,133	$	(326	)	$	-		$	16	$	21,823
Commercial real estate - owner occupied		11,667		(441	)		-			4		11,230
Total commercial real estate		33,800		(767	)		-			20		33,053
Commercial and industrial - term		14,359		(673	)		(23	)		253		13,916
Commercial and industrial - lines of credit		6,495		(441	)		-			204		6,258
Total commercial and industrial		20,854		(1,114	)		(23	)		457		20,174
Residential real estate - owner occupied		9,316		2,509			(14	)		15		11,826
Residential real estate - non-owner occupied		4,282		449			-			-		4,731
Total residential real estate		13,598		2,958			(14	)		15		16,557
Construction and land development		7,593		(134	)		-			-		7,459
Home equity lines of credit		1,660		4			-			2		1,666
Consumer		1,407		192			(210	)		111		1,500
Leases		220		12			-			-		232
Credit cards		242		24			(15	)		5		256
Total	$	79,374	$	1,175		$	(262	)	$	610	$	80,897

(in thousands) Three Months Ended March 31, 2023	Beginning Balance		Provision for Credit Losses on Loans			Charge-offs			Recoveries		Ending Balance
Commercial real estate - non-owner occupied	$	22,641	$	(991	)	$	-		$	19	$	21,669
Commercial real estate - owner occupied		10,827		602			-			-		11,429
Total commercial real estate		33,468		(389	)		-			19		33,098
Commercial and industrial - term		12,991		991			(71	)		87		13,998
Commercial and industrial - lines of credit		6,389		(364	)		-			-		6,025
Total commercial and industrial		19,380		627			(71	)		87		20,023
Residential real estate - owner occupied		6,717		1,478			-			10		8,205
Residential real estate - non-owner occupied		3,597		546			-			1		4,144
Total residential real estate		10,314		2,024			-			11		12,349
Construction and land development		7,186		(451	)		-			-		6,735
Home equity lines of credit		1,613		17			(12	)		-		1,618
Consumer		1,158		88			(199	)		139		1,186
Leases		201		(2	)		-			-		199
Credit cards		211		336			(88	)		6		465
Total	$	73,531	$	2,250		$	(370	)	$	262	$	75,673

(in thousands) March 31, 2024	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation
Commercial real estate - non-owner occupied	$	10,518	$	-	$	-	$	10,518	$	902
Commercial real estate - owner occupied		1,742		-		-		1,742		609
Total commercial real estate		12,260		-		-		12,260		1,511
Commercial and industrial - term		360		3,085		248		3,693		-
Commercial and industrial - lines of credit		2,212		101		-		2,313		620
Total commercial and industrial		2,572		3,186		248		6,006		620
Residential real estate - owner occupied		3,536		-		-		3,536		198
Residential real estate - non-owner occupied		579		-		-		579		116
Total residential real estate		4,115		-		-		4,115		314
Construction and land development		-		-		-		-		-
Home equity lines of credit		515		-		-		515		-
Consumer		-		-		347		347		11
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	19,462	$	3,186	$	595	$	23,243	$	2,456

(in thousands) December 31, 2023	Real Estate		Accounts Receivable / Equipment		Other		Total		ACL Allocation
Commercial real estate - non-owner occupied	$	15,419	$	-	$	-	$	15,419	$	1,604
Commercial real estate - owner occupied		2,586		-		-		2,586		812
Total commercial real estate		18,005		-		-		18,005		2,416
Commercial and industrial - term		302		4,088		-		4,390		377
Commercial and industrial - lines of credit		2,781		101		-		2,882		708
Total commercial and industrial		3,083		4,189		-		7,272		1,085
Residential real estate - owner occupied		4,205		-		-		4,205		198
Residential real estate - non-owner occupied		558		-		-		558		116
Total residential real estate		4,763		-		-		4,763		314
Construction and land development		-		-		-		-		-
Home equity lines of credit		467		-		-		467		-
Consumer		-		-		335		335		18
Leases		-		-		-		-		-
Credit cards		-		-		-		-		-
Total collateral dependent loans	$	26,318	$	4,189	$	335	$	30,842	$	3,833

Financing Receivable, Nonaccrual [Table Text Block]

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
March 31, 2024	Recorded ACL		Non-accrual		Accruing Interest
Commercial real estate - non-owner occupied	$	3,025	$	4,103	$	—
Commercial real estate - owner occupied		—		849		—
Total commercial real estate		3,025		4,952		—
Commercial and industrial - term		3,083		3,974		22
Commercial and industrial - lines of credit		—		—		—
Total commercial and industrial		3,083		3,974		22
Residential real estate - owner occupied		265		3,783		—
Residential real estate - non-owner occupied		—		393		—
Total residential real estate		265		4,176		—
Construction and land development		—		—		—
Home equity lines of credit		321		515		—
Consumer		—		353		—
Leases		—		—		—
Credit cards		—		14		84
Total	$	6,694	$	13,984	$	106

	Non-accrual Loans				Past Due 90-Days-
(in thousands)	With No		Total		or-More and Still
December 31, 2023	Recorded ACL		Non-accrual		Accruing Interest
Commercial real estate - non-owner occupied	$	1,714	$	8,649	$	—
Commercial real estate - owner occupied		—		885		—
Total commercial real estate		1,714		9,534		—
Commercial and industrial - term		688		4,456		—
Commercial and industrial - lines of credit		—		215		—
Total commercial and industrial		688		4,671		—
Residential real estate - owner occupied		230		3,667		—
Residential real estate - non-owner occupied		—		372		—
Total residential real estate		230		4,039		—
Construction and land development		—		—		—
Home equity lines of credit		343		467		—
Consumer		—		337		—
Leases		—		—		—
Credit cards		—		10		110
Total	$	2,975	$	19,058	$	110

Financing Receivable, Past Due [Table Text Block]

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
March 31, 2024	Current		Past Due		Past Due		days Past Due		Due Loans		Loans
Commercial real estate - non-owner occupied	$	1,608,139	$	1	$	232	$	1,111	$	1,344	$	1,609,483
Commercial real estate - owner occupied		929,996		1,717		189		71		1,977		931,973
Total commercial real estate		2,538,135		1,718		421		1,182		3,321		2,541,456
Commercial and industrial - term		862,153		489		982		648		2,119		864,272
Commercial and industrial - lines of credit		429,117		300		7		—		307		429,424
Total commercial and industrial		1,291,270		789		989		648		2,426		1,293,696
Residential real estate - owner occupied		713,275		5,908		1,897		2,154		9,959		723,234
Residential real estate - non-owner occupied		360,153		407		135		263		805		360,958
Total residential real estate		1,073,428		6,315		2,032		2,417		10,764		1,084,192
Construction and land development		532,183		—		—		—		—		532,183
Home equity lines of credit		211,825		406		18		194		618		212,443
Consumer		144,374		257		148		243		648		145,022
Leases		16,619		—		—		—		—		16,619
Credit cards		23,768		243		9		84		336		24,104
Total	$	5,831,602	$	9,728	$	3,617	$	4,768	$	18,113	$	5,849,715

(in thousands)			30-59 days		60-89 days		90 or more		Total Past		Total
December 31, 2023	Current		Past Due		Past Due		days Past Due		Due Loans		Loans
Commercial real estate - non-owner occupied	$	1,558,756	$	768	$	318	$	1,847	$	2,933	$	1,561,689
Commercial real estate - owner occupied		906,385		758		260		21		1,039		907,424
Total commercial real estate		2,465,141		1,526		578		1,868		3,972		2,469,113
Commercial and industrial - term		866,089		244		2		1,045		1,291		867,380
Commercial and industrial - lines of credit		439,671		77		—		—		77		439,748
Total commercial and industrial		1,305,760		321		2		1,045		1,368		1,307,128
Residential real estate - owner occupied		699,475		5,290		1,612		2,516		9,418		708,893
Residential real estate - non-owner occupied		357,763		621		94		237		952		358,715
Total residential real estate		1,057,238		5,911		1,706		2,753		10,370		1,067,608
Construction and land development		531,324		—		—		—		—		531,324
Home equity lines of credit		210,823		67		33		467		567		211,390
Consumer		144,640		258		145		297		700		145,340
Leases		15,503		—		—		—		—		15,503
Credit cards		23,287		191		44		110		345		23,632
Total	$	5,753,716	$	8,274	$	2,508	$	6,540	$	17,322	$	5,771,038

Financing Receivable Credit Quality Indicators [Table Text Block]

														Revolving
														loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year													amortized
March 31, 2024	2024		2023			2022		2021		2020		Prior		cost basis		Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	113,686	$	292,164		$	377,178	$	310,974	$	215,516	$	244,789	$	20,113	$	1,574,420
OAEM		2,316		1,772			-		2,886		-		5,601		-		12,575
Substandard		-		290			1,093		991		3,546		12,367		98		18,385
Substandard non-performing		2,708		76			284		-		-		1,035		-		4,103
Doubtful		-		-			-		-		-		-		-		-
Total Commercial real estate non-owner occupied	$	118,710	$	294,302		$	378,555	$	314,851	$	219,062	$	263,792	$	20,211	$	1,609,483
Current period gross charge offs	$	-	$	-		$	-	$	-	$	-	$	-	$	-	$	-
Commercial real estate - owner occupied:
Risk rating
Pass	$	38,226	$	148,512		$	176,211	$	185,807	$	169,607	$	176,632	$	14,950	$	909,945
OAEM		2,316		2,325			220		1,683		742		1,397		-		8,683
Substandard		2,862		622			4,218		-		4,334		460		-		12,496
Substandard non-performing		-		-			-		778		71		-		-		849
Doubtful		-		-			-		-		-		-		-		-
Total Commercial real estate owner occupied	$	43,404	$	151,459		$	180,649	$	188,268	$	174,754	$	178,489	$	14,950	$	931,973
Current period gross charge offs	$	-	$	-		$	-	$	-	$	-	$	-	$	-	$	-
Commercial and industrial - term:
Risk rating
Pass	$	62,850	$	250,419		$	279,708	$	151,918	$	49,446	$	46,339	$	-	$	840,680
OAEM		4,072		3,807			781		2,218		75		122		-		11,075
Substandard		-		5,121			2,281		18		875		248		-		8,543
Substandard non-performing		-		3,054			305		226		302		87		-		3,974
Doubtful		-		-			-		-		-		-		-		-
Total Commercial and industrial - term	$	66,922	$	262,401		$	283,075	$	154,380	$	50,698	$	46,796	$	-	$	864,272
Current period gross charge offs	$	-	$	(23	)	$	-	$	-	$	-	$	-	$	-	$	(23	)
Commercial and industrial - lines of credit
Risk rating
Pass	$	13,843	$	18,796		$	11,216	$	3,066	$	337	$	7,895	$	343,653	$	398,806
OAEM		5,382		-			-		-		-		14		22,403		27,799
Substandard		-		-			-		-		-		-		2,819		2,819
Substandard non-performing		-		-			-		-		-		-		-		-
Doubtful		-		-			-		-		-		-		-		-
Total Commercial and industrial - lines of credit	$	19,225	$	18,796		$	11,216	$	3,066	$	337	$	7,909	$	368,875	$	429,424
Current period gross charge offs	$	-	$	-		$	-	$	-	$	-	$	-	$	-	$	-

																		Revolving
																		loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																	amortized
March 31, 2024	2024			2023			2022		2021			2020			Prior			cost basis			Total
Residential real estate - owner occupied
Risk rating
Pass	$	27,388		$	167,859		$	174,431	$	172,838		$	84,750		$	91,731		$	-		$	718,997
OAEM		-			-			-		88			-			-			-			88
Substandard		-			-			14		-			-			352			-			366
Substandard non-performing		-			1,727			1,088		189			182			597			-			3,783
Doubtful		-			-			-		-			-			-			-			-
Total Residential real estate - owner occupied	$	27,388		$	169,586		$	175,533	$	173,115		$	84,932		$	92,680		$	-		$	723,234
Current period gross charge offs	$	-		$	(14	)	$	-	$	-		$	-		$	-		$	-		$	(14	)
Residential real estate - non-owner occupied
Risk rating
Pass	$	17,699		$	75,801		$	82,460	$	76,341		$	47,211		$	60,216		$	-		$	359,728
OAEM		-			-			4		-			-			524			-			528
Substandard		-			-			-		-			-			309			-			309
Substandard non-performing		-			-			226		19			-			148			-			393
Doubtful		-			-			-		-			-			-			-			-
Total Residential real estate - non-owner occupied	$	17,699		$	75,801		$	82,690	$	76,360		$	47,211		$	61,197		$	-		$	360,958
Current period gross charge offs	$	-		$	-		$	-	$	-		$	-		$	-		$	-		$	-
Construction and land development
Risk rating
Pass	$	52,693		$	167,237		$	213,365	$	60,291		$	10,522		$	4,013		$	13,909		$	522,030
OAEM		3,683			-			-		-			-			-			999			4,682
Substandard		2,298			3,173			-		-			-			-			-			5,471
Substandard non-performing		-			-			-		-			-			-			-			-
Doubtful		-			-			-		-			-			-			-			-
Total Construction and land development	$	58,674		$	170,410		$	213,365	$	60,291		$	10,522		$	4,013		$	14,908		$	532,183
Current period gross charge offs	$	-		$	-		$	-	$	-		$	-		$	-		$	-		$	-
Home equity lines of credit
Risk rating
Pass	$	-		$	-		$	-	$	-		$	-		$	-		$	211,891		$	211,891
OAEM		-			-			-		-			-			-			-			-
Substandard		-			-			-		-			-			-			37			37
Substandard non-performing		-			-			-		-			-			-			515			515
Doubtful		-			-			-		-			-			-			-			-
Total Home equity lines of credit	$	-		$	-		$	-	$	-		$	-		$	-		$	212,443		$	212,443
Current period gross charge offs	$	-		$	-		$	-	$	-		$	-		$	-		$	-		$	-
Consumer
Risk rating
Pass	$	7,341		$	25,424		$	17,140	$	8,213		$	2,332		$	2,953		$	81,266		$	144,669
OAEM		-			-			-		-			-			-			-			-
Substandard		-			-			-		-			-			-			-			-
Substandard non-performing		-			152			62		86			26			27			-			353
Doubtful		-			-			-		-			-			-			-			-
Total Consumer	$	7,341		$	25,576		$	17,202	$	8,299		$	2,358		$	2,980		$	81,266		$	145,022
Current period gross charge offs	$	(153	)	$	(6	)	$	-	$	(13	)	$	(2	)	$	(33	)	$	(3	)	$	(210	)

																		Revolving
																		loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																	amortized
March 31, 2024	2024			2023			2022		2021			2020			Prior			cost basis			Total
Leases
Risk rating
Pass	$	2,634		$	6,486		$	3,182	$	2,667		$	1,336		$	314		$	-		$	16,619
OAEM		-			-			-		-			-			-			-			-
Substandard		-			-			-		-			-			-			-			-
Substandard non-performing		-			-			-		-			-			-			-			-
Doubtful		-			-			-		-			-			-			-			-
Total Leases	$	2,634		$	6,486		$	3,182	$	2,667		$	1,336		$	314		$	-		$	16,619
Current period gross charge offs	$	-		$	-		$	-	$	-		$	-		$	-		$	-		$	-
Credit cards
Risk rating
Pass	$	-		$	-		$	-	$	-		$	-		$	-		$	24,090		$	24,090
OAEM		-			-			-		-			-			-			-			-
Substandard		-			-			-		-			-			-			-			-
Substandard non-performing		-			-			-		-			-			-			14			14
Doubtful		-			-			-		-			-			-			-			-
Total Credit cards	$	-		$	-		$	-	$	-		$	-		$	-		$	24,104		$	24,104
Current period gross charge offs	$	-		$	-		$	-	$	-		$	-		$	-		$	(15	)	$	(15	)
Total loans
Risk rating
Pass	$	336,360		$	1,152,698		$	1,334,891	$	972,115		$	581,057		$	634,882		$	709,872		$	5,721,875
OAEM		17,769			7,904			1,005		6,875			817			7,658			23,402			65,430
Substandard		5,160			9,206			7,606		1,009			8,755			13,736			2,954			48,426
Substandard non-performing		2,708			5,009			1,965		1,298			581			1,894			529			13,984
Doubtful		-			-			-		-			-			-			-			-
Total Loans	$	361,997		$	1,174,817		$	1,345,467	$	981,297		$	591,210		$	658,170		$	736,757		$	5,849,715
Current period gross charge offs	$	(153	)	$	(43	)	$	-	$	(13	)	$	(2	)	$	(33	)	$	(18	)	$	(262	)

																			Revolving
																			loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																		amortized
December 31, 2023	2023			2022			2021			2020			2019			Prior			cost basis			Total
Commercial real estate - non-owner occupied:
Risk rating
Pass	$	302,787		$	370,728		$	346,600		$	220,144		$	122,732		$	136,624		$	26,187		$	1,525,802
OAEM		76			-			2,902			-			1,947			3,727			-			8,652
Substandard		290			1,093			997			3,587			12,278			243			98			18,586
Substandard non-performing		5,806			286			-			-			1,472			1,085			-			8,649
Doubtful		-			-			-			-			-			-			-			-
Total Commercial real estate non-owner occupied	$	308,959		$	372,107		$	350,499		$	223,731		$	138,429		$	141,679		$	26,285		$	1,561,689
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Commercial real estate - owner occupied:
Risk rating
Pass	$	148,498		$	164,087		$	191,350		$	179,450		$	90,575		$	100,988		$	13,941		$	888,889
OAEM		4,175			221			592			757			395			691			-			6,831
Substandard		1,675			4,258			-			4,370			458			58			-			10,819
Substandard non-performing		-			21			793			71			-			-			-			885
Doubtful		-			-			-			-			-			-			-			-
Total Commercial real estate owner occupied	$	154,348		$	168,587		$	192,735		$	184,648		$	91,428		$	101,737		$	13,941		$	907,424
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Commercial and industrial - term:
Risk rating
Pass	$	279,002		$	298,204		$	172,288		$	56,949		$	24,939		$	26,790		$	-		$	858,172
OAEM		585			819			2,520			87			139			-			-			4,150
Substandard		218			80			31			-			-			273			-			602
Substandard non-performing		3,395			592			29			338			101			1			-			4,456
Doubtful		-			-			-			-			-			-			-			-
Total Commercial and industrial - term	$	283,200		$	299,695		$	174,868		$	57,374		$	25,179		$	27,064		$	-		$	867,380
Current period gross charge offs	$	(1,315	)	$	(734	)	$	(37	)	$	(93	)	$	(37	)	$	(82	)	$	-		$	(2,298	)
Commercial and industrial - lines of credit
Risk rating
Pass	$	30,553		$	22,409		$	3,232		$	348		$	8,931		$	1,783		$	356,237		$	423,493
OAEM		-			-			-			723			20			-			8,585			9,328
Substandard		-			-			-			-			-			-			6,712			6,712
Substandard non-performing		157			-			-			-			-			-			58			215
Doubtful		-			-			-			-			-			-			-			-
Total Commercial and industrial - lines of credit	$	30,710		$	22,409		$	3,232		$	1,071		$	8,951		$	1,783		$	371,592		$	439,748
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	(3,633	)	$	(3,633	)

																			Revolving
																			loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																		amortized
December 31, 2023	2023			2022			2021			2020			2019			Prior			cost basis			Total
Residential real estate - owner occupied
Risk rating
Pass	$	170,446		$	178,088		$	175,561		$	86,105		$	24,354		$	70,213		$	-		$	704,767
OAEM		-			-			89			-			-			-			-			89
Substandard		-			15			-			-			-			355			-			370
Substandard non-performing		1,138			1,122			297			192			162			756			-			3,667
Doubtful		-			-			-			-			-			-			-			-
Total Residential real estate - owner occupied	$	171,584		$	179,225		$	175,947		$	86,297		$	24,516		$	71,324		$	-		$	708,893
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	(43	)	$	-		$	(43	)
Residential real estate - non-owner occupied
Risk rating
Pass	$	83,913		$	84,278		$	77,868		$	49,555		$	31,325		$	30,546		$	-		$	357,485
OAEM		-			7			-			-			262			277			-			546
Substandard		-			-			-			-			-			312			-			312
Substandard non-performing		-			233			19			-			45			75			-			372
Doubtful		-			-			-			-			-			-			-			-
Total Residential real estate - non-owner occupied	$	83,913		$	84,518		$	77,887		$	49,555		$	31,632		$	31,210		$	-		$	358,715
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Construction and land development
Risk rating
Pass	$	157,832		$	239,807		$	69,131		$	34,591		$	478		$	3,711		$	15,623		$	521,173
OAEM		-			-			3,682			-			-			-			999			4,681
Substandard		5,470			-			-			-			-			-			-			5,470
Substandard non-performing		-			-			-			-			-			-			-			-
Doubtful		-			-			-			-			-			-			-			-
Total Construction and land development	$	163,302		$	239,807		$	72,813		$	34,591		$	478		$	3,711		$	16,622		$	531,324
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Home equity lines of credit
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-		$	-		$	210,886		$	210,886
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			37			37
Substandard non-performing		-			-			-			-			-			-			467			467
Doubtful		-			-			-			-			-			-			-			-
Total Home equity lines of credit	$	-		$	-		$	-		$	-		$	-		$	-		$	211,390		$	211,390
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	(12	)	$	(12	)
Consumer
Risk rating
Pass	$	30,823		$	18,399		$	10,148		$	2,832		$	1,931		$	1,765		$	79,105		$	145,003
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		41			145			91			27			3			14			16			337
Doubtful		-			-			-			-			-			-			-			-
Total Consumer	$	30,864		$	18,544		$	10,239		$	2,859		$	1,934		$	1,779		$	79,121		$	145,340
Current period gross charge offs	$	(683	)	$	(22	)	$	(29	)	$	(43	)	$	(41	)	$	(27	)	$	(20	)	$	(865	)

																			Revolving
																			loans
(in thousands)	Term Loans Amortized Cost Basis by Origination Year																		amortized
December 31, 2023	2023			2022			2021			2020			2019			Prior			cost basis			Total
Leases
Risk rating
Pass	$	6,801		$	3,442		$	3,117		$	1,723		$	155		$	265		$	-		$	15,503
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		-			-			-			-			-			-			-			-
Doubtful		-			-			-			-			-			-			-			-
Total Leases	$	6,801		$	3,442		$	3,117		$	1,723		$	155		$	265		$	-		$	15,503
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-
Credit cards
Risk rating
Pass	$	-		$	-		$	-		$	-		$	-		$	-		$	23,622		$	23,622
OAEM		-			-			-			-			-			-			-			-
Substandard		-			-			-			-			-			-			-			-
Substandard non-performing		-			-			-			-			-			-			10			10
Doubtful		-			-			-			-			-			-			-			-
Total Credit cards	$	-		$	-		$	-		$	-		$	-		$	-		$	23,632		$	23,632
Current period gross charge offs	$	-		$	-		$	-		$	-		$	-		$	-		$	(661	)	$	(661	)
Total loans
Risk rating
Pass	$	1,207,296		$	1,379,117		$	1,047,901		$	630,129		$	305,493		$	379,258		$	725,601		$	5,674,795
OAEM		4,836			1,047			9,785			1,567			2,763			4,695			9,584			34,277
Substandard		7,653			5,446			1,028			7,957			12,736			1,241			6,847			42,908
Substandard non-performing		10,537			2,399			1,229			628			1,783			1,931			551			19,058
Doubtful		-			-			-			-			-			-			-			-
Total Loans	$	1,230,322		$	1,388,009		$	1,059,943		$	640,281		$	322,775		$	387,125		$	742,583		$	5,771,038
Current period gross charge offs	$	(1,998	)	$	(756	)	$	(66	)	$	(136	)	$	(78	)	$	(152	)	$	(4,326	)	$	(7,512	)

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

	March 31,		December 31,
(in thousands)	2024		2023
Credit cards
Performing	$	24,006	$	23,512
Non-performing		98		120
Total credit cards	$	24,104	$	23,632