Note 4 - Allowance for Credit Losses - Loans and Reserve for Unfunded Lending Commitments (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

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

	Three Months Ended March 31, 2023			Year Ended December 31, 2022			Three Months Ended March 31, 2022
Allowance for Credit Losses - Loans
Balance, beginning of period	$	19,555		$	18,678		$	18,678
Day 1 impact of CECL adoption		5,192			-			-
Provision for (recovery of) credit losses		329			1,597			(758	)
Charge-offs		(395	)		(1,019	)		(37	)
Recoveries		180			299			105
Balance, end of period	$	24,861		$	19,555		$	17,988
Reserve for Unfunded Lending Commitments
Balance, beginning of period	$	377		$	386		$	386
Day 1 impact of CECL adoption		305			-			-
Provision for (recovery of) unfunded commitments		6			(9	)		26
Balance, end of period	$	688		$	377		$	412

	Commercial			Construction and Land Development		Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-owner Occupied			Residential Real Estate			Home Equity			Consumer			Total
Allowance for Credit Losses - Loans
Balance at December 31, 2022	$	2,874		$	1,796	$	3,785		$	7,184		$	3,077		$	790		$	49		$	19,555
Day 1 impact of CECL adoption		883			272		1,078			2,069			653			190			47			5,192
Provision for (recovery of) credit losses		245			212		(28	)		(21	)		(38	)		(24	)		(17	)		329
Charge-offs		(360	)		—		—			—			—			—			(35	)		(395	)
Recoveries		34			—		6			24			62			8			46			180
Balance at March 31, 2023	$	3,676		$	2,280	$	4,841		$	9,256		$	3,754		$	964		$	90		$	24,861

	Commercial			Construction and Land Development		Commercial Real Estate - Owner Occupied			Commercial Real Estate - Non-owner Occupied			Residential Real Estate			Consumer			Total
Allowance for Loan Losses
Balance at December 31, 2021	$	2,668		$	1,397	$	3,964		$	7,141		$	3,458		$	50		$	18,678
Provision for loan losses		442			399		(199	)		476			373			106			1,597
Charge-offs		(357	)		—		—			(436	)		(5	)		(221	)		(1,019	)
Recoveries		121			—		20			3			41			114			299
Balance at December 31, 2022	$	2,874		$	1,796	$	3,785		$	7,184		$	3,867		$	49		$	19,555
Balance at December 31, 2022:
Allowance for Loan Losses
Individually evaluated for impairment	$	—		$	—	$	—		$	—		$	—		$	—		$	—
Collectively evaluated for impairment		2,873			1,772		3,762			7,184			3,822			49			19,462
Purchased credit impaired loans		1			24		23			—			45			—			93
Total	$	2,874		$	1,796	$	3,785		$	7,184		$	3,867		$	49		$	19,555
Loans
Individually evaluated for impairment	$	—		$	—	$	2,420		$	1,360		$	1,314		$	—		$	5,094
Collectively evaluated for impairment		304,240			196,357		408,656			824,153			427,809			6,599			2,167,814
Purchased credit impaired loans		7			1,168		7,386			2,215			2,749			16			13,541
Total	$	304,247		$	197,525	$	418,462		$	827,728		$	431,872		$	6,615		$	2,186,449