Loans and Allowance for Loan Losses

3 Months Ended

Mar. 31, 2024

Receivables [Abstract]

Loans and Allowance for Credit Losses on Loan

NOTE 5. Loans and Allowance for Credit Losses on Loans

The composition of loans at March 31, 2024 and December 31, 2023 was as follows:

	March 31,			December 31,
	2024			2023
	(in thousands)
Mortgage real estate loans:
Construction & Secured by Farmland	$	82,692		$	84,145
HELOCs		46,329			47,674
Residential First Lien - Investor		113,813			117,431
Residential First Lien - Owner Occupied		181,323			178,180
Residential Junior Liens		12,690			12,831
Commercial - Owner Occupied		254,744			251,456
Commercial - Non-Owner Occupied & Multifamily		344,192			348,879
Commercial and industrial loans:
SBA PPP loans		45			51
Other commercial and industrial loans		100,067			107,777
Marine loans		247,042			251,168
Consumer loans		34,529			42,419
Overdrafts		1,559			253
Other loans		12,466			12,895
Total loans	$	1,431,491		$	1,455,159
Net deferred loan costs and premiums		7,561			7,527
Allowance for credit losses		(14,448	)		(14,493	)
	$	1,424,604		$	1,448,193

At March 31, 2024, the Company was servicing $7.6 million of loans for other financial institutions which are not included in the table above. Also excluded from the table above are net servicing assets of $144 thousand at March 31, 2024, which are recorded in other assets in the Consolidated Balance Sheets. When loans are sold with servicing retained, servicing assets are recorded which represent the Company's right to service loans that were sold. Servicing assets are initially recorded by the Company at fair value and are subsequently amortized in proportion to, and over the period of, estimated net servicing income.

Changes in the allowance for credit losses on loans for the three months ended March 31, 2024 and 2023, and the year ended December 31, 2023 were as follows:

		Three Months Ended			Year Ended			Three Months Ended
		March 31,			December 31,			March 31,
		2024			2023			2023
	(in thousands)
Balance, beginning		$	14,493		$	11,218		$	11,218
Cumulative effect adjustment for adoption of ASC 326			—			2,077			2,077
Provision for credit losses			475			1,641			709
Recoveries added to the allowance			185			298			21
Credit losses charged to the allowance			(705	)		(741	)		(75	)
Balance, ending		$	14,448		$	14,493		$	13,950

Past due loans by class at March 31, 2024 and December 31, 2023 were as follows:

	March 31, 2024
	(in thousands)
	30 - 59 Days Past Due		60 - 89 Days Past Due		90 or More Days Past Due		Total Past Due		Current		Total Loans		90 or More Days Past Due Still Accruing
Mortgage real estate loans:
Construction & Secured by Farmland	$	—	$	—	$	—	$	—	$	82,692	$	82,692	$	—
HELOCs		—		19		—		19		46,310		46,329		—
Residential First Lien - Investor		904		—		—		904		112,909		113,813		—
Residential First Lien - Owner Occupied		139		—		147		286		181,037		181,323		—
Residential Junior Liens		—		—		9		9		12,681		12,690		—
Commercial - Owner Occupied		7		—		—		7		254,737		254,744		—
Commercial - Non-Owner Occupied & Multifamily		295		—		—		295		343,897		344,192		—
Commercial and industrial loans:
SBA PPP loans		—		—		—		—		45		45		—
Other commercial and industrial loans		—		—		162		162		99,905		100,067		159
Marine loans		605		—		514		1,119		245,923		247,042		—
Consumer loans		222		—		252		474		34,055		34,529		252
Overdrafts		—		—		—		—		1,559		1,559		—
Other loans		—		—		—		—		12,466		12,466		—
Total	$	2,172	$	19	$	1,084	$	3,275	$	1,428,216	$	1,431,491	$	411

	December 31, 2023
	(in thousands)
	30 - 59 Days Past Due		60 - 89 Days Past Due		90 or More Days Past Due		Total Past Due		Current		Total Loans		90 or More Past Due Still Accruing
Mortgage real estate loans:
Construction & Secured by Farmland	$	—	$	—	$	—	$	—	$	84,145	$	84,145	$	—
HELOCs		—		—		—		—		47,674		47,674		—
Residential First Lien - Investor		844		253		—		1,097		116,334		117,431		—
Residential First Lien - Owner Occupied		—		78		149		227		177,953		178,180		—
Residential Junior Liens		—		—		9		9		12,822		12,831		—
Commercial - Owner Occupied		—		—		—		—		251,456		251,456		—
Commercial - Non-Owner Occupied & Multifamily		—		—		—		—		348,879		348,879		—
Commercial and industrial loans:
SBA PPP loans		—		—		—		—		51		51		—
Other commercial and industrial loans		9		—		26		35		107,742		107,777		14
Marine loans		—		—		552		552		250,616		251,168		—
Consumer loans		173		—		167		340		42,079		42,419		167
Overdrafts		—		—		—		—		253		253		—
Other loans		—		—		—		—		12,895		12,895		—
Total	$	1,026	$	331	$	903	$	2,260	$	1,452,899	$	1,455,159	$	181

Nonaccrual loans by class at March 31, 2024 and December 31, 2023 were as follows:

	March 31, 2024						December 31, 2023
	(in thousands)						(in thousands)
	Nonaccruals with No Allowance for Credit Losses		Nonaccrual with an Allowance for Credit Losses		Nonaccrual Loans		Nonaccruals with No Allowance for Credit Losses		Nonaccrual with an Allowance for Credit Losses		Nonaccrual Loans
Mortgage real estate loans:
Construction & Secured by Farmland	$	—	$	—	$	—	$	95	$	—	$	95
HELOCs		—		—		—		15		—		15
Residential First Lien - Investor		1,063		—		1,063		1,085		—		1,085
Residential First Lien - Owner Occupied		224		—		224		228		—		228
Residential Junior Liens		9		—		9		11		—		11
Commercial - Owner Occupied		7		—		7		22		—		22
Commercial - Non-Owner Occupied & Multifamily		2,336		—		2,336		3,625		—		3,625
Commercial and industrial loans:
SBA PPP loans		—		—		—		—		—		—
Other commercial and industrial loans		3		—		3		12		—		12
Marine loans		514		—		514		552		—		552
Consumer loans		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—
Other loans		—		—		—		—		—		—
Total	$	4,156	$	—	$	4,156	$	5,645	$	—	$	5,645

The allowance for credit losses on loans by segment at March 31, 2024 and December 31, 2023 was as follows:

	As of and For the Three Months Ended
	March 31, 2024
	(in thousands)
	Construction and Farmland			Residential Real Estate			Commercial Real Estate & MultiFamily			Commercial			Marine			Consumer			All Other Loans			Unallocated		Total
Allowance for credit losses:
Beginning Balance	$	772		$	4,725		$	6,224		$	1,027		$	1,153		$	198		$	394		$	—	$	14,493
Charge-Offs		(94	)		(15	)		—			(74	)		(453	)		(38	)		(31	)		—		(705	)
Recoveries		2			6			155			14			—			5			3			—		185
Provision		197			(95	)		(473	)		24			841			(32	)		(85	)		98		475
Ending balance	$	877		$	4,621		$	5,906		$	991		$	1,541		$	133		$	281		$	98	$	14,448
Ending balance: Individually evaluated for impairment	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—	$	—
Ending balance: Collectively evaluated for impairment	$	877		$	4,621		$	5,906		$	991		$	1,541		$	133		$	281		$	98	$	14,448
Loans:
Ending balance	$	82,692		$	354,155		$	598,936		$	100,112		$	247,042		$	34,529		$	14,025		$	—	$	1,431,491
Ending balance: Individually evaluated for impairment	$	—		$	1,263		$	2,336		$	—		$	514		$	—		$	—		$	—	$	4,113
Ending balance: Collectively evaluated for impairment	$	82,692		$	352,892		$	596,600		$	100,112		$	246,528		$	34,529		$	14,025		$	—	$	1,427,378

	As of and For the Year Ended
	December 31, 2023
	(in thousands)
	Construction and Farmland			Residential Real Estate		Commercial Real Estate & MultiFamily		Commercial			Marine			Consumer			All Other Loans			Unallocated		Total
Allowance for credit losses:
Beginning Balance	$	2,714		$	1,735	$	2,221	$	2,222		$	1,555		$	299		$	472		$	—	$	11,218
Cumulative effect adjustment for adoption of ASC 326		(1,840	)		1,933		3,584		(1,102	)		(285	)		(123	)		(90	)		—		2,077
Charge-Offs		—			—		—		(312	)		(126	)		(121	)		(182	)		—		(741	)
Recoveries		8			18		—		43			—			48			181			—		298
Provision		(110	)		1,039		419		176			9			95			13			—		1,641
Ending balance	$	772		$	4,725	$	6,224	$	1,027		$	1,153		$	198		$	394		$	—	$	14,493
Ending balance: Individually evaluated for impairment	$	—		$	—	$	—	$	—		$	—		$	—		$	—		$	—	$	—
Ending balance: Collectively evaluated for impairment	$	772		$	4,725	$	6,224	$	1,027		$	1,153		$	198		$	394		$	—	$	14,493
Loans:
Ending balance	$	84,145		$	356,116	$	600,335	$	107,828		$	251,168		$	42,419		$	13,148		$	—	$	1,455,159
Ending balance: Individually evaluated for impairment	$	95		$	1,288	$	3,639	$	—		$	552		$	—		$	—		$	—	$	5,574
Ending balance: Collectively evaluated for impairment	$	84,050		$	354,828	$	596,696	$	107,828		$	250,616		$	42,419		$	13,148		$	—	$	1,449,585

The following table presents the amortized cost basis of collateral-dependent loans by loan portfolio segment:

	March 31, 2024						December 31, 2023
	(in thousands)						(in thousands)
(in thousands)	Real Estate Collateral		Other Collateral		Total		Real Estate Collateral		Other Collateral		Total
Mortgage real estate loans:
Construction & Secured by Farmland	$	—	$	—	$	—	$	95	$	—	$	95
HELOCs		—		—		—		—		—		—
Residential First Lien - Investor		1,063		—		1,063		1,086		—		1,086
Residential First Lien - Owner Occupied		191		—		191		194		—		194
Residential Junior Liens		9		—		9		8		—		8
Commercial - Owner Occupied		—		—		—		14		—		14
Commercial - Non-Owner Occupied & Multifamily		2,336		—		2,336		3,625		—		3,625
Commercial and industrial loans:
SBA PPP loans		—		—		—		—		—		—
Other commercial and industrial loans		—		—		—		—		—		—
Marine loans		—		514		514		—		552		552
Consumer loans		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—
Other loans		—		—		—		—		—		—
	$	3,599	$	514	$	4,113	$	5,022	$	552	$	5,574

The Company did not identify any significant changes in the extent to which collateral secures its collateral dependent loans, whether in the form of general deterioration or from other factors during the period ended March 31, 2024.

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Company analyzes loans individually to classify the loans as to credit risk. This analysis is performed on a quarterly basis. The following table presents risk ratings by loan portfolio segment and origination year. Description of these ratings are as follows:

Pass	Pass loans exhibit acceptable history of profits, cash flow ability and liquidity. Sufficient cash flow exists to service the loan. All obligations have been paid by the borrower in an as agreed manner.
Special Mention	Special mention loans exhibit negative trends and potential weakness that, if left uncorrected, may negatively affect the borrower’s ability to repay its obligations. The risk of default is not imminent and the borrower still demonstrates sufficient financial strength to service debt.
Classified	Classified loans include loans rated Substandard, Doubtful and Loss.
	•Substandard loans exhibit well defined weaknesses resulting in a higher probability of default. The borrowers exhibit adverse financial trends and a diminishing ability or willingness to service debt.
	•Doubtful loans exhibit all of the characteristics inherent in substandard loans; however given the severity of weaknesses, the collection of 100% of the principal is unlikely under current conditions.
	•Loss loans are considered uncollectible over a reasonable period of time and of such little value that its continuance as a bankable asset is not warranted.

Credit quality information by class at March 31, 2024 and December 31, 2023 was as follows:

	March 31, 2024
	Term Loan Amortized Cost Basis by Origination Year
(in thousands)	2024		2023		2022		2021		2020		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Mortgage real estate loans:
Construction & Secured by Farmland
Pass	$	3,581	$	32,199	$	20,332	$	4,911	$	4,797	$	5,904	$	3,225	$	—	$	74,949
Special Mention		—		6,532		—		—		—		1,032		—		—		7,564
Classified		—		—		—		—		143		36		—		—		179
Total	$	3,581	$	38,731	$	20,332	$	4,911	$	4,940	$	6,972	$	3,225	$	—	$	82,692
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	94	$	—	$	—	$	94
HELOCs
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	46,280	$	—	$	46,280
Special Mention		—		—		—		—		—		—		49		—		49
Classified		—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	—	$	—	$	—	$	46,329	$	—	$	46,329
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	14	$	—	$	—	$	14
Residential First Lien - Investor
Pass	$	1,674	$	18,785	$	22,529	$	30,136	$	9,795	$	24,715	$	—	$	1,146	$	108,780
Special Mention		—		—		277		276		1,772		1,645		—		—		3,970
Classified		—		—		—		1,063		—		—		—		—		1,063
Total	$	1,674	$	18,785	$	22,806	$	31,475	$	11,567	$	26,360	$	—	$	1,146	$	113,813
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential First Lien - Owner Occupied
Pass	$	8,267	$	55,504	$	34,025	$	23,561	$	35,310	$	23,404	$	—	$	556	$	180,627
Special Mention		—		—		—		—		—		47		—		—		47
Classified		—		—		—		—		—		649		—		—		649
Total	$	8,267	$	55,504	$	34,025	$	23,561	$	35,310	$	24,100	$	—	$	556	$	181,323
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential Junior Liens
Pass	$	242	$	2,643	$	2,836	$	3,357	$	1,460	$	1,926	$	—	$	186	$	12,650
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		25		—		15		40
Total	$	242	$	2,643	$	2,836	$	3,357	$	1,460	$	1,951	$	—	$	201	$	12,690
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	1	$	—	$	—	$	1
Commercial - Owner Occupied
Pass	$	3,795	$	35,991	$	66,215	$	35,461	$	22,616	$	62,550	$	1,629	$	4,226	$	232,483
Special Mention		—		558		10,193		4,397		2,129		3,525		—		—		20,802
Classified		—		—		—		958		494		7		—		—		1,459
Total	$	3,795	$	36,549	$	76,408	$	40,816	$	25,239	$	66,082	$	1,629	$	4,226	$	254,744
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

Commercial - Non-Owner Occupied & Multifamily
Pass	$	959	$	41,292	$	80,586	$	65,003	$	62,800	$	47,580	$	1,196	$	5,561	$	304,977
Special Mention		—		15,671		10,807		3,659		6,741		—		—		—		36,878
Classified		—		—		—		—		2,337		—		—		—		2,337
Total	$	959	$	56,963	$	91,393	$	68,662	$	71,878	$	47,580	$	1,196	$	5,561	$	344,192
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial and industrial loans:
SBA PPP loans
Pass	$	—	$	—	$	—	$	45	$	—	$	—	$	—	$	—	$	45
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	—	$	45	$	—	$	—	$	—	$	—	$	45
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other commercial and industrial loans
Pass	$	3,766	$	12,803	$	25,956	$	8,154	$	4,421	$	6,268	$	32,496	$	1,042	$	94,906
Special Mention		—		2,969		—		—		—		44		1,829		316		5,158
Classified		—		—		—		—		3		—		—		—		3
Total	$	3,766	$	15,772	$	25,956	$	8,154	$	4,424	$	6,312	$	34,325	$	1,358	$	100,067
Current period gross charge-offs	$	—	$	11	$	9	$	—	$	54	$	—	$	—	$	—	$	74
Marine loans
Pass	$	—	$	84,210	$	126,544	$	35,114	$	660	$	—	$	—	$	—	$	246,528
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		514		—		—		—		—		—		—		514
Total	$	—	$	84,724	$	126,544	$	35,114	$	660	$	—	$	—	$	—	$	247,042
Current period gross charge-offs	$	—	$	366	$	87	$	—	$	—	$	—	$	—	$	—	$	453
Consumer loans
Pass	$	699	$	2,993	$	13,411	$	5,966	$	8,448	$	1,692	$	1,279	$	41	$	34,529
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		—		—		—		—
Total	$	699	$	2,993	$	13,411	$	5,966	$	8,448	$	1,692	$	1,279	$	41	$	34,529
Current period gross charge-offs	$	28	$	10	$	—	$	—	$	—	$	—	$	—	$	—	$	38
Overdrafts
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Special Mention		—		—		—		—		—		—		—		—		—
Classified		1,559		—		—		—		—		—		—		—		1,559
Total	$	1,559	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	1,559
Current period gross charge-offs	$	31	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	31
Other loans
Pass	$	—	$	65	$	9,927	$	—	$	—	$	2,409	$	59	$	6	$	12,466
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		—		—		—		—
Total	$	—	$	65	$	9,927	$	—	$	—	$	2,409	$	59	$	6	$	12,466
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total by Risk Category

Pass	$	22,983	$	286,485	$	402,361	$	211,708	$	150,307	$	176,448	$	86,164	$	12,764	$	1,349,220
Special Mention		—		25,730		21,277		8,332		10,642		6,293		1,878		316		74,468
Classified		1,559		514		—		2,021		2,977		717		—		15		7,803
Total	$	24,542	$	312,729	$	423,638	$	222,061	$	163,926	$	183,458	$	88,042	$	13,095	$	1,431,491
Total current period gross charge-offs	$	59	$	387	$	96	$	—	$	54	$	109	$	—	$	—	$	705

	December 31, 2023
	Term Loan Amortized Cost Basis by Origination Year
(in thousands)	2023		2022		2021		2020		2019		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Mortgage real estate loans:
Construction & Secured by Farmland
Pass	$	34,617	$	21,460	$	7,584	$	4,851	$	2,389	$	2,829	$	7,052	$	57	$	80,839
Special Mention		—		1,173		—		—		1,040		815		—		—		3,028
Classified		—		—		—		145		—		133		—		—		278
Total	$	34,617	$	22,633	$	7,584	$	4,996	$	3,429	$	3,777	$	7,052	$	57	$	84,145
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
HELOCs
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	47,610	$	—	$	47,610
Special Mention		—		—		—		—		—		—		49		—		49
Classified		—		—		—		—		—		—		15		—		15
Total	$	—	$	—	$	—	$	—	$	—	$	—	$	47,674	$	—	$	47,674
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential First Lien - Investor
Pass	$	19,394	$	23,205	$	31,371	$	10,667	$	4,054	$	22,265	$	—	$	367	$	111,323
Special Mention		—		1,273		—		1,180		626		1,944		—		—		5,023
Classified		—		—		1,085		—		—		—		—		—		1,085
Total	$	19,394	$	24,478	$	32,456	$	11,847	$	4,680	$	24,209	$	—	$	367	$	117,431
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential First Lien - Owner Occupied
Pass	$	59,007	$	33,793	$	23,749	$	35,783	$	3,932	$	20,413	$	—	$	589	$	177,266
Special Mention		—		—		—		—		—		258		—		—		258
Classified		—		—		—		—		—		656		—		—		656
Total	$	59,007	$	33,793	$	23,749	$	35,783	$	3,932	$	21,327	$	—	$	589	$	178,180
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Residential Junior Liens
Pass	$	2,562	$	2,902	$	3,429	$	1,486	$	606	$	1,613	$	—	$	189	$	12,787
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		27		—		17		44
Total	$	2,562	$	2,902	$	3,429	$	1,486	$	606	$	1,640	$	—	$	206	$	12,831

Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial - Owner Occupied
Pass	$	36,736	$	68,868	$	40,707	$	22,871	$	13,971	$	50,059	$	3,088	$	4,364	$	240,664
Special Mention		—		3,817		64		2,145		1,877		1,402		—		—		9,305
Classified		—		—		967		498		—		8		—		14		1,487
Total	$	36,736	$	72,685	$	41,738	$	25,514	$	15,848	$	51,469	$	3,088	$	4,378	$	251,456
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial - Non-Owner Occupied & Multifamily
Pass	$	56,510	$	88,518	$	64,005	$	65,075	$	15,563	$	34,619	$	1,196	$	5,651	$	331,137
Special Mention		624		4,748		3,685		5,060		—		—		—		—		14,117
Classified		—		—		—		2,355		—		1,270		—		—		3,625
Total	$	57,134	$	93,266	$	67,690	$	72,490	$	15,563	$	35,889	$	1,196	$	5,651	$	348,879
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial and industrial loans:
SBA PPP loans
Pass	$	—	$	—	$	51	$	—	$	—	$	—	$	—	$	—	$	51
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		—		—		—		—
Total	$	—	$	—	$	51	$	—	$	—	$	—	$	—	$	—	$	51
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Other commercial and industrial loans
Pass	$	15,052	$	26,798	$	8,659	$	4,824	$	2,629	$	3,898	$	43,188	$	1,005	$	106,053
Special Mention		1,125		—		—		13		1		9		220		344		1,712
Classified		—		—		—		3		—		—		9		—		12
Total	$	16,177	$	26,798	$	8,659	$	4,840	$	2,630	$	3,907	$	43,417	$	1,349	$	107,777
Current period gross charge-offs	$	231	$	81	$	—	$	—	$	—	$	—	$	—	$	—	$	312
Marine loans
Pass	$	86,001	$	128,456	$	35,492	$	667	$	—	$	—	$	—	$	—	$	250,616
Special Mention		—		—		—		—		—		—		—		—		—
Classified		367		185		—		—		—		—		—		—		552
Total	$	86,368	$	128,641	$	35,492	$	667	$	—	$	—	$	—	$	—	$	251,168
Current period gross charge-offs	$	—	$	126	$	—	$	—	$	—	$	—	$	—	$	—	$	126
Consumer loans
Pass	$	3,427	$	13,950	$	6,205	$	8,687	$	1,747	$	21	$	8,354	$	28	$	42,419
Special Mention		—		—		—		—		—		—		—		—		—

Classified		—		—		—		—		—		—		—		—		—
Total	$	3,427	$	13,950	$	6,205	$	8,687	$	1,747	$	21	$	8,354	$	28	$	42,419
Current period gross charge-offs	$	—	$	3	$	—	$	66	$	—	$	—	$	52	$	—	$	121
Overdrafts
Pass	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Special Mention		—		—		—		—		—		—		—		—		—
Classified		253		—		—		—		—		—		—		—		253
Total	$	253	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	253
Current period gross charge-offs	$	182	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	182
Other loans
Pass	$	69	$	10,176	$	—	$	—	$	—	$	2,587	$	55	$	8	$	12,895
Special Mention		—		—		—		—		—		—		—		—		—
Classified		—		—		—		—		—		—		—		—		—
Total	$	69	$	10,176	$	—	$	—	$	—	$	2,587	$	55	$	8	$	12,895
Current period gross charge-offs	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Total by Risk Category
Pass	$	313,375	$	418,126	$	221,252	$	154,911	$	44,891	$	138,304	$	110,543	$	12,258	$	1,413,660
Special Mention		1,749		11,011		3,749		8,398		3,544		4,428		269		344		33,492
Classified		620		185		2,052		3,001		—		2,094		24		31		8,007
Total	$	315,744	$	429,322	$	227,053	$	166,310	$	48,435	$	144,826	$	110,836	$	12,633	$	1,455,159
Total current period gross charge-offs	$	413	$	210	$	—	$	66	$	—	$	—	$	52	$	—	$	741