XML 61 R50.htm IDEA: XBRL DOCUMENT v3.24.3
Loans and Allowance for Credit Losses - Classes of loans information (Details) - USD ($)
3 Months Ended
Jan. 20, 2023
Feb. 25, 2022
Sep. 30, 2024
Sep. 30, 2023
Jun. 30, 2024
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     $ 3,966,736,000   $ 3,850,035,000
Provision for credit losses     2,159,000 $ 900,000  
Allowance for credit losses, loans     2,021,000 1,570,000  
Provision (recovery) for off balance sheet credit exposure     $ 138,000 $ (670,000)  
Net charge offs on average loans outstanding (as percentage)     0.01% 0.03%  
Citizens Bancshares Company          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Allowance for credit losses for purchased credit deteriorated (PCD) $ 1,121,000        
Fortune          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Allowance for credit losses for purchased credit deteriorated (PCD)   $ 120,000      
Commercial and industrial          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     5 years    
Total loans (before deferred loan fees, net)     $ 457,018,000   450,147,000
Allowance for credit losses, loans     (85,000) $ (100,000)  
Provision (recovery) for off balance sheet credit exposure     20,000 37,000  
Agriculture production          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     200,215,000   175,968,000
Allowance for credit losses, loans     (51,000) (85,000)  
Provision (recovery) for off balance sheet credit exposure     (3,000) (84,000)  
Consumer          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     58,735,000   59,671,000
Allowance for credit losses, loans     $ 13,000 38,000  
Provision (recovery) for off balance sheet credit exposure       1,000  
Consumer | Automobile loans          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Maximum percentage of appraised value or purchase price that loans cannot exceed     100.00%    
Amortization period of loans     66 months    
Consumer | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     66 months    
Consumer | Maximum | Home Equity Loan          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     10 years    
All other loans          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     $ 3,699,000   3,981,000
Allowance for credit losses, loans     (3,000) (5,000)  
Provision (recovery) for off balance sheet credit exposure       (3,000)  
Secured by real estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     $ 3,247,069,000   3,160,268,000
Secured by real estate | 1-4 residential real estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Maximum percentage of appraised value or purchase price that loans cannot exceed     90.00%    
Total loans (before deferred loan fees, net)     $ 942,916,000   925,397,000
Allowance for credit losses, loans     157,000 (101,000)  
Provision (recovery) for off balance sheet credit exposure     $ 30,000 5,000  
Secured by real estate | 1-4 residential real estate | Home Equity Loan          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Percentage of appraised value or estimated value of property     90.00%    
Term of loan     10 years    
Secured by real estate | 1-4 residential real estate | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Fixed-rate and adjustable-rate mortgage (ARM) loans amortization period (in years)     30 years    
Secured by real estate | Commercial Real Estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     $ 1,600,000,000    
Secured by real estate | Commercial Real Estate | Secured by properties located outside lending area          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     $ 626,300,000    
Secured by real estate | Commercial Real Estate | Non-owner occupied          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Maximum percentage of appraised value or purchase price that loans cannot exceed     80.00%    
Total loans (before deferred loan fees, net)     $ 903,678,000   899,770,000
Term of variable interest applicability on loans     7 years    
Allowance for credit losses, loans     $ 1,673,000 2,641,000  
Provision (recovery) for off balance sheet credit exposure     $ 22,000    
Secured by real estate | Commercial Real Estate | Non-owner occupied | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     25 years    
Term of fixed interest applicability on loans     10 years    
Secured by real estate | Commercial Real Estate | Owner occupied          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Total loans (before deferred loan fees, net)     $ 438,030,000   427,476,000
Allowance for credit losses, loans     (1,000) (289,000)  
Provision (recovery) for off balance sheet credit exposure     $ (14,000) (2,000)  
Secured by real estate | Multi-family real estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Maximum percentage of appraised value or purchase price that loans cannot exceed     85.00%    
Total loans (before deferred loan fees, net)     $ 371,177,000   384,564,000
Allowance for credit losses, loans     (376,000) (612,000)  
Provision (recovery) for off balance sheet credit exposure     $ 3,000 (1,000)  
Secured by real estate | Multi-family real estate | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     25 years    
Amortization term of ballon maturity     10 years    
Secured by real estate | Construction and land development          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     25 years    
Total loans (before deferred loan fees, net)     $ 351,481,000   290,541,000
Allowance for credit losses, loans     774,000 224,000  
Provision (recovery) for off balance sheet credit exposure     $ 88,000 (612,000)  
Secured by real estate | Construction and land development | Minimum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Maturities of single-family residential construction loans     6 months    
Maturities of multifamily or commercial construction loans     12 months    
Secured by real estate | Construction and land development | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     30 years    
Maturities of single-family residential construction loans     12 months    
Maturities of multifamily or commercial construction loans     36 months    
Secured by real estate | Agriculture real estate          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Amortization period of loans     1 year    
Total loans (before deferred loan fees, net)     $ 239,787,000   $ 232,520,000
Agricultural real estate terms if 75% loan-to-value ratio     30 years    
Allowance for credit losses, loans     $ (80,000) (141,000)  
Provision (recovery) for off balance sheet credit exposure     $ (8,000) $ (11,000)  
Secured by real estate | Agriculture real estate | Maximum          
Accounts, Notes, Loans and Financing Receivable [Line Items]          
Agricultural real estate terms if 80% loan-to-value ratio     25 years