XML 101 R74.htm IDEA: XBRL DOCUMENT v3.25.0.1
Note 4 - Loans and ACL for Loans - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2024
Dec. 31, 2023
Dec. 31, 2022
Beginning balance $ 79,374 $ 73,531 $ 53,898
Loans, individually evaluated for impairment 30,898 30,842  
Provision for credit losses 8,800 12,471 9,682
Initial Allowance on PCD Loans     9,950
Charge-offs (2,776) (7,512) (2,307)
Recoveries 1,545 884 2,308
Charge-offs (2,776) (7,512) (2,307)
Ending balance 86,943 79,374 73,531
Recoveries 1,545 884 2,308
Allowance for loans, individually evaluated for impairment 3,848 3,833  
Real Estate [Member]      
Loans, individually evaluated for impairment 26,204 26,318  
Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 4,262 4,189  
Other Collateral [Member]      
Loans, individually evaluated for impairment 432 335  
Commercial Real Estate Portfolio Segment [Member]      
Beginning balance 33,800 33,468 25,555
Loans, individually evaluated for impairment 15,246 18,005  
Provision for credit losses (9,785) 232 2,112
Initial Allowance on PCD Loans     5,629
Charge-offs 0 0 (78)
Recoveries 112 100 250
Charge-offs 0 0 (78)
Ending balance 24,127 33,800 33,468
Recoveries 112 100 250
Allowance for loans, individually evaluated for impairment 1,839 2,416  
Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 15,246 18,005  
Commercial Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Commercial Real Estate Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Commercial and Industrial Portfolio Segment [Member]      
Beginning balance 20,854 19,380  
Loans, individually evaluated for impairment 5,427 7,272  
Provision for credit losses 7,354 7,189  
Charge-offs (1,303) (5,931)  
Recoveries 875 216  
Charge-offs (1,303) (5,931)  
Ending balance 27,780 20,854 19,380
Recoveries 875 216  
Allowance for loans, individually evaluated for impairment 655 1,085  
Commercial and Industrial Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 1,089 3,083  
Commercial and Industrial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 4,262 4,189  
Commercial and Industrial Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 76 0  
Residential Real Estate Portfolio Segment [Member]      
Beginning balance 13,598 10,314 7,993
Loans, individually evaluated for impairment 9,488 4,763  
Provision for credit losses 6,346 3,280 1,702
Initial Allowance on PCD Loans     590
Charge-offs (356) (43) (57)
Recoveries 34 47 86
Charge-offs (356) (43) (57)
Ending balance 19,622 13,598 10,314
Recoveries 34 47 86
Allowance for loans, individually evaluated for impairment 1,300 314  
Residential Real Estate Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 9,488 4,763  
Residential Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Residential Real Estate Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Total Commercial and Industrial Portfolio Segment [Member]      
Beginning balance   19,380 13,379
Provision for credit losses     2,410
Initial Allowance on PCD Loans     3,232
Charge-offs     (924)
Recoveries     1,283
Charge-offs     (924)
Ending balance     19,380
Recoveries     1,283
Construction and Development [Member]      
Beginning balance 7,593 7,186 4,789
Loans, individually evaluated for impairment 311 0  
Provision for credit losses 3,388 407 2,050
Initial Allowance on PCD Loans     419
Charge-offs 0 0 (72)
Recoveries 0 0 0
Charge-offs 0 0 (72)
Ending balance 10,981 7,593 7,186
Recoveries 0 0 0
Allowance for loans, individually evaluated for impairment 20 0  
Construction and Development [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 311 0  
Construction and Development [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Construction and Development [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Consumer Portfolio Segment [Member]      
Beginning balance 1,407 1,158 772
Loans, individually evaluated for impairment 356 335  
Provision for credit losses 1,424 628 750
Initial Allowance on PCD Loans     78
Charge-offs (785) (865) (1,080)
Recoveries 485 486 638
Charge-offs (785) (865) (1,080)
Ending balance 2,531 1,407 1,158
Recoveries 485 486 638
Allowance for loans, individually evaluated for impairment 34 18  
Consumer Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 0 0  
Consumer Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Consumer Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 356 335  
Finance Leases Portfolio Segment [Member]      
Beginning balance 220 201 204
Loans, individually evaluated for impairment 0 0  
Provision for credit losses 150 19 (3)
Initial Allowance on PCD Loans     0
Charge-offs 0 0 0
Recoveries 0 0 0
Charge-offs 0 0 0
Ending balance 370 220 201
Recoveries 0 0 0
Allowance for loans, individually evaluated for impairment 0 0  
Finance Leases Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 0 0  
Finance Leases Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Finance Leases Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]      
Beginning balance 22,133 22,641 15,960
Loans, individually evaluated for impairment 11,699 15,419  
Provision for credit losses (8,217) (599) 3,173
Initial Allowance on PCD Loans     3,508
Charge-offs 0 0 (37)
Recoveries 19 91 37
Charge-offs 0 0 (37)
Ending balance 13,935 22,133 22,641
Recoveries 19 91 37
Allowance for loans, individually evaluated for impairment 1,075 1,604  
Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 11,699 15,419  
Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Non-owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member]      
Beginning balance 4,282 3,597 3,677
Loans, individually evaluated for impairment 2,974 558  
Provision for credit losses 865 683 (75)
Initial Allowance on PCD Loans     0
Charge-offs 0 0 (27)
Recoveries 7 2 22
Charge-offs 0 0 (27)
Ending balance 5,154 4,282 3,597
Recoveries 7 2 22
Allowance for loans, individually evaluated for impairment 852 116  
Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 2,974 558  
Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Non-owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member]      
Beginning balance 11,667 10,827 9,595
Loans, individually evaluated for impairment 3,547 2,586  
Provision for credit losses (1,568) 831 (1,061)
Initial Allowance on PCD Loans     2,121
Charge-offs 0 0 (41)
Recoveries 93 9 213
Charge-offs 0 0 (41)
Ending balance 10,192 11,667 10,827
Recoveries 93 9 213
Allowance for loans, individually evaluated for impairment 764 812  
Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 3,547 2,586  
Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Owner Occupied [Member] | Commercial Real Estate Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member]      
Beginning balance 9,316 6,717 4,316
Loans, individually evaluated for impairment 6,514 4,205  
Provision for credit losses 5,481 2,597 1,777
Initial Allowance on PCD Loans     590
Charge-offs (356) (43) (30)
Recoveries 27 45 64
Charge-offs (356) (43) (30)
Ending balance 14,468 9,316 6,717
Recoveries 27 45 64
Allowance for loans, individually evaluated for impairment 448 198  
Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 6,514 4,205  
Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Owner Occupied [Member] | Residential Real Estate Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Term [Member] | Commercial and Industrial Portfolio Segment [Member]      
Beginning balance 14,359 12,991 8,577
Loans, individually evaluated for impairment 4,878 4,390  
Provision for credit losses 7,264 3,607 2,497
Initial Allowance on PCD Loans     1,358
Charge-offs (748) (2,298) (724)
Recoveries 409 59 1,283
Charge-offs (748) (2,298) (724)
Ending balance 21,284 14,359 12,991
Recoveries 409 59 1,283
Allowance for loans, individually evaluated for impairment 516 377  
Term [Member] | Commercial and Industrial Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 740 302  
Term [Member] | Commercial and Industrial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 4,062 4,088  
Term [Member] | Commercial and Industrial Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 76 0  
Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member]      
Beginning balance 6,495 6,389 4,802
Loans, individually evaluated for impairment 549 2,882  
Provision for credit losses 90 3,582 (87)
Initial Allowance on PCD Loans     1,874
Charge-offs (555) (3,633) (200)
Recoveries 466 157 0
Charge-offs (555) (3,633) (200)
Ending balance 6,496 6,495 6,389
Recoveries 466 157 0
Allowance for loans, individually evaluated for impairment 139 708  
Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 349 2,781  
Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 200 101  
Lines of Credit [Member] | Commercial and Industrial Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Home Equity Line of Credit [Member]      
Beginning balance 1,660 1,613 1,044
Loans, individually evaluated for impairment 70 467  
Provision for credit losses (283) 59 567
Initial Allowance on PCD Loans     2
Charge-offs (107) (12) 0
Recoveries 7 0 0
Charge-offs (107) (12) 0
Ending balance 1,277 1,660 1,613
Recoveries 7 0 0
Allowance for loans, individually evaluated for impairment 0 0  
Home Equity Line of Credit [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 70 467  
Home Equity Line of Credit [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Home Equity Line of Credit [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment 0 0  
Credit Card Receivable [Member] | Commercial Portfolio Segment [Member]      
Beginning balance 242 211 162
Loans, individually evaluated for impairment 0 0  
Provision for credit losses 206 657 94
Initial Allowance on PCD Loans     0
Charge-offs (225) (661) (96)
Recoveries 32 35 51
Charge-offs (225) (661) (96)
Ending balance 255 242 211
Recoveries 32 35 $ 51
Allowance for loans, individually evaluated for impairment 0 0  
Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] | Real Estate [Member]      
Loans, individually evaluated for impairment 0 0  
Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] | Accounts Receivable and Equipment [Member]      
Loans, individually evaluated for impairment 0 0  
Credit Card Receivable [Member] | Commercial Portfolio Segment [Member] | Other Collateral [Member]      
Loans, individually evaluated for impairment $ 0 $ 0