XML 204 R72.htm IDEA: XBRL DOCUMENT v3.22.4
Loans Receivable and Allowance for Credit Losses - Schedule of Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance $ 37,588 $ 34,340 $ 19,473
Initial Allowance on Loans Purchased with Credit Deterioration     980
(Charge-offs) (2,985) (3,384) (7,078)
Recoveries 847 629 648
Provision (Benefit) for Credit Losses on Loans Receivable 7,986 6,003 15,354
Allowance for loan losses, Ending Balance 43,436 37,588 34,340
Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     4,963
Farmland      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 151 221 190
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) 0 0 0
Recoveries 0 0 0
Provision (Benefit) for Credit Losses on Loans Receivable 8 (70) (30)
Allowance for loan losses, Ending Balance 159 151 221
Farmland | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     61
Owner-occupied, nonfarm nonresidential properties      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 3,339 3,700 2,390
Initial Allowance on Loans Purchased with Credit Deterioration     82
(Charge-offs) (21) (584) (61)
Recoveries 15 10 12
Provision (Benefit) for Credit Losses on Loans Receivable (428) 213 2,031
Allowance for loan losses, Ending Balance 2,905 3,339 3,700
Owner-occupied, nonfarm nonresidential properties | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     (754)
Agricultural production and other loans to farmers      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 9 24 25
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) 0 0 0
Recoveries 0 0 0
Provision (Benefit) for Credit Losses on Loans Receivable (3) (15) (6)
Allowance for loan losses, Ending Balance 6 9 24
Agricultural production and other loans to farmers | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     5
Commercial and Industrial      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 8,837 6,233 4,105
Initial Allowance on Loans Purchased with Credit Deterioration     216
(Charge-offs) (175) (163) (2,779)
Recoveries 139 203 39
Provision (Benefit) for Credit Losses on Loans Receivable 965 2,564 5,283
Allowance for loan losses, Ending Balance 9,766 8,837 6,233
Commercial and Industrial | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     (631)
Obligations (other than securities and leases) of states and political subdivisions      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 1,649 998 1,022
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) 0 (407) 0
Recoveries 0 30 0
Provision (Benefit) for Credit Losses on Loans Receivable 214 1,028 207
Allowance for loan losses, Ending Balance 1,863 1,649 998
Obligations (other than securities and leases) of states and political subdivisions | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     (231)
Other loans      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 149 68 41
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) 0 0 0
Recoveries 0 0 0
Provision (Benefit) for Credit Losses on Loans Receivable 307 81 19
Allowance for loan losses, Ending Balance 456 149 68
Other loans | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     8
Other construction loans and all land development and other land loans      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 2,198 1,956 2,327
Initial Allowance on Loans Purchased with Credit Deterioration     228
(Charge-offs) 0 (282) 0
Recoveries 0 0 125
Provision (Benefit) for Credit Losses on Loans Receivable 1,055 524 (1,504)
Allowance for loan losses, Ending Balance 3,253 2,198 1,956
Other construction loans and all land development and other land loans | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     780
Multifamily (5 or more) residential properties      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 2,289 2,724 1,087
Initial Allowance on Loans Purchased with Credit Deterioration     24
(Charge-offs) 0 0 0
Recoveries 0 0 0
Provision (Benefit) for Credit Losses on Loans Receivable 64 (435) 1,301
Allowance for loan losses, Ending Balance 2,353 2,289 2,724
Multifamily (5 or more) residential properties | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     312
Non-owner occupied, nonfarm nonresidential properties      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 6,481 8,658 3,980
Initial Allowance on Loans Purchased with Credit Deterioration     335
(Charge-offs) (335) (49) (1,522)
Recoveries 336 0 52
Provision (Benefit) for Credit Losses on Loans Receivable 1,171 (2,128) 3,266
Allowance for loan losses, Ending Balance 7,653 6,481 8,658
Non-owner occupied, nonfarm nonresidential properties | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     2,547
1-4 Family Construction      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 158 82 56
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) 0 0 0
Recoveries 0 0 0
Provision (Benefit) for Credit Losses on Loans Receivable 169 76 61
Allowance for loan losses, Ending Balance 327 158 82
1-4 Family Construction | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     (35)
Home equity lines of credit      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 1,169 985 180
Initial Allowance on Loans Purchased with Credit Deterioration     22
(Charge-offs) 0 (7) (6)
Recoveries 12 5 1
Provision (Benefit) for Credit Losses on Loans Receivable (8) 186 367
Allowance for loan losses, Ending Balance 1,173 1,169 985
Home equity lines of credit | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     421
Residential Mortgages secured by first liens      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 6,943 4,539 1,220
Initial Allowance on Loans Purchased with Credit Deterioration     73
(Charge-offs) (51) (79) (285)
Recoveries 28 47 65
Provision (Benefit) for Credit Losses on Loans Receivable 1,564 2,436 2,366
Allowance for loan losses, Ending Balance 8,484 6,943 4,539
Residential Mortgages secured by first liens | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     1,100
Residential Mortgages secured by junior liens      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 546 241 114
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) 0 (3) (158)
Recoveries 0 0 2
Provision (Benefit) for Credit Losses on Loans Receivable 489 308 148
Allowance for loan losses, Ending Balance 1,035 546 241
Residential Mortgages secured by junior liens | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     135
Other revolving credit plans      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 528 507 296
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) (92) (41) (137)
Recoveries 50 13 21
Provision (Benefit) for Credit Losses on Loans Receivable 236 49 (51)
Allowance for loan losses, Ending Balance 722 528 507
Other revolving credit plans | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     378
Automobile      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 263 132 156
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) (28) (26) (29)
Recoveries 2 3 2
Provision (Benefit) for Credit Losses on Loans Receivable 34 154 99
Allowance for loan losses, Ending Balance 271 263 132
Automobile | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     (96)
Other consumer      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 2,546 2,962 1,960
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) (1,623) (1,193) (1,513)
Recoveries 89 140 130
Provision (Benefit) for Credit Losses on Loans Receivable 1,653 637 1,364
Allowance for loan losses, Ending Balance 2,665 2,546 2,962
Other consumer | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     1,021
Credit cards      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 92 66 84
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) (99) (112) (153)
Recoveries 38 18 14
Provision (Benefit) for Credit Losses on Loans Receivable 36 120 179
Allowance for loan losses, Ending Balance 67 92 66
Credit cards | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     (58)
Overdrafts      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance 241 244 240
Initial Allowance on Loans Purchased with Credit Deterioration     0
(Charge-offs) (561) (438) (435)
Recoveries 138 160 185
Provision (Benefit) for Credit Losses on Loans Receivable 460 275 254
Allowance for loan losses, Ending Balance $ 278 $ 241 244
Overdrafts | Impact of CECL Adoption      
Financing Receivable, Allowance for Credit Loss [Roll Forward]      
Allowance for loan losses, Beginning Balance     $ 0