Note 3 - LOANS/LEASES RECEIVABLE (Tables)

3 Months Ended

Mar. 31, 2023

Notes Tables

Composition of the loan/lease portfolio

	March 31, 2023		December 31, 2022
	(dollars in thousands)
C&I:
C&I - revolving	$	307,612	$	296,869
C&I - other *		1,420,331		1,451,693
		1,727,943		1,748,562
CRE - owner occupied		616,922		629,367
CRE - non-owner occupied		982,716		963,239
Construction and land development**		1,208,185		1,192,061
Multi-family**		969,870		963,803
Direct financing leases***		35,373		31,889
1-4 family real estate****		532,491		499,529
Consumer		116,522		110,421
		6,190,022		6,138,871
Allowance for credit losses		(86,573)		(87,706)
	$	6,103,449	$	6,051,165
*** Direct financing leases:
Net minimum lease payments to be received	$	39,075	$	34,754
Estimated unguaranteed residual values of leased assets		165		165
Unearned lease/residual income		(3,867)		(3,030)
		35,373		31,889
Plus deferred lease origination costs, net of fees		174		226
		35,547		32,115
Less allowance for credit losses		(1,053)		(970)
	$	34,494	$	31,145

*     Includes equipment financing agreements outstanding at m2, totaling $286.1 million and $278.0 million as of March 31, 2023 and December 31, 2022, respectively.

**     As of March 31, 2023, there were construction and land development and multi-family loans held for sale in preparation for securitization. The balances in these loan classes as of March 31, 2023 were $30.3 million and $108.9 million, respectively.

***   Management performs an evaluation of the estimated unguaranteed residual values of leased assets on an annual basis, at a minimum. The evaluation consists of discussions with reputable and current vendors, which is combined with management's expertise and understanding of the current states of particular industries to determine informal valuations of the equipment. As necessary and where available, management will utilize valuations by independent appraisers. The majority of leases with residual values contain a lease options rider, which requires the lessee to pay the residual value directly, finance the payment of the residual value, or extend the lease term to pay the residual value. In these cases, the residual value is protected and the risk of loss is minimal.

**** Includes residential real estate held for sale totaling $1.4 million and $1.5 million as of March 31, 2023 and December 31, 2022, respectively.

Schedule of changes in remaining discounts on acquired loans

	For the Three Months Ended
	March 31, 2023		March 31, 2022
	Performing		Performing
	Loans		Loans
	(dollars in thousands)
Balance at the beginning of the period	$	(6,088)	$	(1,533)
Accretion recognized		849		161
Balance at the end of the period	$	(5,239)	$	(1,372)

Aging of the loan/lease portfolio by classes of loans/leases

	As of March 31, 2023
										Accruing Past
				30-59 Days			60-89 Days			Due 90 Days or			Nonaccrual
Classes of Loans/Leases	Current			Past Due			Past Due			More			Loans/Leases			Total
	(dollars in thousands)
C&I:
C&I - revolving	$	307,612		$	—		$	—		$	—		$	—	$		307,612
C&I - other		1,406,944			4,718			3,899			15			4,755			1,420,331
CRE - owner occupied		612,379			1,899			—			—			2,644			616,922
CRE - non-owner occupied		980,498			—			—			—			2,218			982,716
Construction and land development		1,197,526			—			—			—			10,659			1,208,185
Multi-family		969,870			—			—			—			—			969,870
Direct financing leases		34,951			220			84			—			118			35,373
1-4 family real estate		529,263			865			76			—			2,287			532,491
Consumer		116,030			67			159			—			266			116,522
	$	6,155,073		$	7,769		$	4,218		$	15		$	22,947		$	6,190,022
As a percentage of total loan/lease portfolio		99.43	%		0.13	%		0.07	%		0.00	%		0.37	%		100.00	%

	As of December 31, 2022
										Accruing Past
				30-59 Days			60-89 Days			Due 90 Days or			Nonaccrual
Classes of Loans/Leases	Current			Past Due			Past Due			More			Loans/Leases			Total
	(dollars in thousands)
C&I
C&I - revolving	$	296,869		$	—		$	—		$	—		$	—		$	296,869
C&I - other		1,442,629			4,800			1,124			5			3,135			1,451,693
CRE - owner occupied		625,611			1,166			—			—			2,590			629,367
CRE - non-owner occupied		962,444			421			—			—			374			963,239
Construction and land development		1,191,929			—			—			—			132			1,192,061
Multi-family		963,803			—			—			—			—			963,803
Direct financing leases		31,557			141			56			—			135			31,889
1-4 family real estate		495,936			1,030			517			—			2,046			499,529
Consumer		110,041			27			—			—			353			110,421
	$	6,120,819		$	7,585		$	1,697		$	5		$	8,765		$	6,138,871
As a percentage of total loan/lease portfolio		98.88	%		0.12	%		0.03	%		0.00	%		0.14	%		100.00	%

NPLs by classes of loans/leases

	As of March 31, 2023
	Accruing Past		Nonaccrual		Nonaccrual
	Due 90 Days or		Loans/Leases		Loans/Leases				Percentage of
Classes of Loans/Leases	More		with an ACL		without an ACL		Total NPLs		Total NPLs
	(dollars in thousands)
C&I:
C&I - revolving	$	—	$	—	$	—	$	—	-	%
C&I - other		15		3,891		864		4,770	20.77
CRE - owner occupied		—		2,197		447		2,644	11.52
CRE - non-owner occupied		—		1,267		951		2,218	9.66
Construction and land development		—		9,292		1,367		10,659	46.42
Multi-family		—		—		—		—	-
Direct financing leases		—		118		—		118	0.51
1-4 family real estate		—		1,893		394		2,287	9.96
Consumer		—		266		—		266	1.16
	$	15	$	18,924	$	4,023	$	22,962	100.00	%

	As of December 31, 2022
	Accruing Past		Nonaccrual		Nonaccrual
	Due 90 Days or		Loans/Leases		Loans/Leases				Percentage of
Classes of Loans/Leases	More		with an ACL		without an ACL		Total NPLs		Total NPLs
		(dollars in thousands)
C&I:
C&I - revolving	$	—	$	—	$	—	$	—	-	%
C&I - other		5		2,775		360		3,140	35.80
CRE - owner occupied		—		1,738		852		2,590	29.53
CRE - non-owner occupied		—		68		306		374	4.26
Construction and land development		—		132		—		132	1.51
Multi-family		—		—		—		—	-
Direct financing leases		—		80		55		135	1.54
1-4 family real estate		—		1,641		405		2,046	23.33
Consumer		—		353		—		353	4.03
	$	5	$	6,787	$	1,978	$	8,770	100.00	%

Allowance for credit losses on financing receivables

Changes in the ACL loans/leases by portfolio segment for the three months ended March 31, 2023 and 2022, respectively, are presented as follows:

	Three Months Ended March 31, 2023
					CRE		CRE		Construction				1-4
	C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
	Revolving		Other*		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total
	(dollars in thousands)
Balance, beginning	$	4,457	$	27,753	$	9,965	$	11,749	$	14,262	$	13,186	$	4,963	$	1,371	$	87,706
Reduction of ACL for writedown of LHFS to fair value		—		—		—		—		(354)		(1,355)		—		—		(1,709)
Provision		180		557		(668)		878		1,349		(210)		302		70		2,458
Charge-offs		—		(2,055)		(208)		—		(12)		—		—		—		(2,275)
Recoveries		—		382		—		5		—		—		5		1		393
Balance, ending	$	4,637	$	26,637	$	9,089	$	12,632	$	15,245	$	11,621	$	5,270	$	1,442	$	86,573

*   Included within the C&I – Other column are ACL on leases with a beginning balance of $970 thousand, provision of $69 thousand, charge-offs of $4 thousand and recoveries of $18 thousand. ACL on leases was $1.1 million as of March 31, 2023.

	Three Months Ended March 31, 2022
					CRE		CRE		Construction				1-4
	C&I -		C&I -		Owner		Non-Owner		and Land		Multi-		Family
	Revolving		Other*		Occupied		Occupied		Development		Family		Real Estate		Consumer		Total
	(dollars in thousands)
Balance, beginning	$	3,907	$	25,982	$	8,501	$	8,549	$	16,972	$	9,339	$	4,541	$	930	$	78,721
Provision		(288)		(331)		(609)		(820)		(2,301)		997		(387)		(110)		(3,849)
Charge-offs		—		(449)		—		—		—		—		—		(7)		(456)
Recoveries		—		235		5		128		—		—		—		2		370
Balance, ending	$	3,619	$	25,437	$	7,897	$	7,857	$	14,671	$	10,336	$	4,154	$	815	$	74,786

*   Included within the C&I – Other column are ACL on leases with adoption impact of $1.5 million, negative provision of $27 thousand, charge-offs of $114 thousand and recoveries of $60 thousand. ACL on leases was $1.5 million as of March 31, 2022.

The composition of the ACL loans/leases by portfolio segment based on evaluation method are as follows:

	As of March 31, 2023
	Amortized Cost of Loans Receivable						Allowance for Credit Losses
	Individually		Collectively				Individually		Collectively
	Evaluated for		Evaluated for				Evaluated for		Evaluated for
	Credit Losses		Credit Losses		Total		Credit Losses		Credit Losses		Total
	(dollars in thousands)
C&I :
C&I - revolving	$	3,657	$	303,955	$	307,612	$	998	$	3,639	$	4,637
C&I - other*		14,446		1,441,258		1,455,704		1,231		25,406		26,637
		18,103		1,745,213		1,763,316		2,229		29,045		31,274
CRE - owner occupied		23,751		593,171		616,922		2,746		6,343		9,089
CRE - non-owner occupied		23,217		959,499		982,716		1,025		11,607		12,632
Construction and land development		10,756		1,197,429		1,208,185		826		14,419		15,245
Multi-family		1,351		968,519		969,870		406		11,215		11,621
1-4 family real estate		3,223		529,268		532,491		326		4,944		5,270
Consumer		693		115,829		116,522		72		1,370		1,442
	$	81,094	$	6,108,928	$	6,190,022	$	7,630	$	78,943	$	86,573

*   Included within the C&I – Other category are leases individually evaluated of $118 thousand with a related allowance for credit losses of $36 thousand and leases collectively evaluated of $35.3 million with a related allowance for credit losses of $1.0 million.

	As of December 31, 2022
	Amortized Cost of Loans Receivable						Allowance for Credit Losses
	Individually		Collectively				Individually		Collectively
	Evaluated for		Evaluated for				Evaluated for		Evaluated for
	Credit Losses		Credit Losses		Total		Credit Losses		Credit Losses		Total
	(dollars in thousands)
C&I :
C&I - revolving	$	3,386	$	293,483	$	296,869	$	961	$	3,496	$	4,457
C&I - other*		9,358		1,474,224		1,483,582		1,445		26,308		27,753
		12,744		1,767,707		1,780,451		2,406		29,804		32,210
CRE - owner occupied		24,880		604,487		629,367		2,853		7,112		9,965
CRE - non-owner occupied		21,588		941,651		963,239		869		10,880		11,749
Construction and land development		10,394		1,181,667		1,192,061		13		14,249		14,262
Multi-family		1,302		962,501		963,803		395		12,791		13,186
1-4 family real estate		3,177		496,352		499,529		317		4,646		4,963
Consumer		741		109,680		110,421		75		1,296		1,371
	$	74,826	$	6,064,045	$	6,138,871	$	6,928	$	80,778	$	87,706

*   Included within the C&I – Other category are leases individually evaluated of $135 thousand with a related allowance for credit losses of $24 thousand and leases collectively evaluated of $31.8 million with a related allowance for credit losses of $946 thousand.

Schedule of loans receivable by collateral type

	As of March 31, 2023
					Non
	Commercial		Owner-occupied		Owner-Occupied		Owner Occupied
	Assets		CRE		Real Estate		Real Estate		Securities		Equipment		Other		Total
	(dollars in thousands)
C & I:
C&I - revolving	$	3,552	$	—	$	—	$	—	$	—	$	105	$	—	$	3,657
C&I - other*		5,738		209		—		—		102		7,983		414		14,446
		9,290		209		—		—		102		8,088		414		18,103
CRE - owner occupied		—		23,685		—		66		—		—		—		23,751
CRE - non-owner occupied		—		—		23,217		—		—		—		—		23,217
Construction and land development		—		—		10,756		—		—		—		—		10,756
Multi-family		—		—		1,351		—		—		—		—		1,351
1-4 family real estate		—		—		31		3,192		—		—		—		3,223
Consumer		—		—		121		562		—		—		10		693
	$	9,290	$	23,894	$	35,476	$	3,820	$	102	$	8,088	$	424	$	81,094

*   Included within the C&I – Other category are leases individually evaluated of $118 thousand with primary collateral of equipment.

	As of December 31, 2022
					Non
	Commercial		Owner-occupied		Owner-Occupied		Owner Occupied
	Assets		CRE		Real Estate		Real Estate		Securities		Equipment		Other		Total
	(dollars in thousands)
C & I:
C&I - revolving	$	3,281	$	—	$	—	$	—	$	—	$	105	$	—	$	3,386
C&I - other*		1,589		210		—		—		108		7,289		162		9,358
		4,870		210		—		—		108		7,394		162		12,744
CRE - owner occupied		—		24,814		—		66		—		—		—		24,880
CRE - non-owner occupied		—		—		21,588		—		—		—		—		21,588
Construction and land development		—		—		10,394		—		—		—		—		10,394
Multi-family		—		—		1,302		—		—		—		—		1,302
1-4 family real estate		—		—		33		3,144		—		—		—		3,177
Consumer		—		—		120		608		—		—		13		741
	$	4,870	$	25,024	$	33,437	$	3,818	$	108	$	7,394	$	175	$	74,826

*   Included within the C&I – Other category are leases individually evaluated of $135 thousand with primary collateral of equipment.

Schedule of financing receivable credit quality indicators based on internally assigned Risk rating

	As of March 31, 2023
	Term Loans
	Amortized Cost Basis by Origination Year
													Revolving
													Loans
Internally Assigned													Amortized
Risk Rating	2023		2022		2021		2020		2019		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - revolving
Pass (Ratings 1 through 5)	$	—	$	—	$	—	$	—	$	—	$	—	$	277,135	$	277,135
Special Mention (Rating 6)		—		—		—		—		—		—		26,820		26,820
Substandard (Rating 7)		—		—		—		—		—		—		3,657		3,657
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total C&I - revolving	$	—	$	—	$	—	$	—	$	—	$	—	$	307,612	$	307,612
C&I - other
Pass (Ratings 1 through 5)	$	112,239	$	399,604	$	236,117	$	108,134	$	83,522	$	158,843	$	—	$	1,098,459
Special Mention (Rating 6)		11,886		3,603		5,557		3,724		1,033		299		—		26,102
Substandard (Rating 7)		—		5,207		252		37		3,776		377		—		9,649
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total C&I - other	$	124,125	$	408,414	$	241,926	$	111,895	$	88,331	$	159,519	$	—	$	1,134,210
CRE - owner occupied
Pass (Ratings 1 through 5)	$	18,359	$	143,926	$	177,112	$	128,136	$	32,639	$	71,449	$	7,552	$	579,173
Special Mention (Rating 6)		4,268		791		2,735		6,383		479		1,310		24		15,990
Substandard (Rating 7)		513		2,684		—		16,187		1,215		1,160		—		21,759
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total CRE - owner occupied	$	23,140	$	147,401	$	179,847	$	150,706	$	34,333	$	73,919	$	7,576	$	616,922
CRE - non-owner occupied
Pass (Ratings 1 through 5)	$	49,906	$	297,573	$	221,657	$	162,545	$	82,633	$	93,906	$	7,969	$	916,189
Special Mention (Rating 6)		596		5,402		833		17,544		—		18,934		—		43,309
Substandard (Rating 7)		4,065		3,623		—		156		15,216		—		158		23,218
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total CRE - non-owner occupied	$	54,567	$	306,598	$	222,490	$	180,245	$	97,849	$	112,840	$	8,127	$	982,716
Construction and land development
Pass (Ratings 1 through 5)	$	48,281	$	492,375	$	313,670	$	232,318	$	31,275	$	28,640	$	25,117	$	1,171,676
Special Mention (Rating 6)		1,100		—		10,210		—		—		—		—		11,310
Substandard (Rating 7)		98		1,487		9,172		—		—		—		—		10,757
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total Construction and land development	$	49,479	$	493,862	$	333,052	$	232,318	$	31,275	$	28,640	$	25,117	$	1,193,743
Multi-family
Pass (Ratings 1 through 5)	$	15,948	$	237,962	$	250,949	$	222,923	$	135,619	$	103,474	$	127	$	967,002
Special Mention (Rating 6)		—		—		—		—		1,517		—		—		1,517
Substandard (Rating 7)		—		—		41		1,310		—		—		—		1,351
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total Multi-family	$	15,948	$	237,962	$	250,990	$	224,233	$	137,136	$	103,474	$	127	$	969,870
1-4 family real estate
Pass (Ratings 1 through 5)	$	37,624	$	55,100	$	56,644	$	31,349	$	12,218	$	9,792	$	5,380	$	208,107
Special Mention (Rating 6)		—		—		—		—		—		—		—		—
Substandard (Rating 7)		—		27		—		—		4		—		—		31
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total 1-4 family real estate	$	37,624	$	55,127	$	56,644	$	31,349	$	12,222	$	9,792	$	5,380	$	208,138
Consumer
Pass (Ratings 1 through 5)	$	97	$	499	$	743	$	711	$	33	$	831	$	9,406	$	12,320
Special Mention (Rating 6)		—		—		—		—		—		—		—		—
Substandard (Rating 7)		45		282		—		11		—		106		—		444
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total Consumer	$	142	$	781	$	743	$	722	$	33	$	937	$	9,406	$	12,764
Total	$	305,025	$	1,650,145	$	1,285,692	$	931,468	$	401,179	$	489,121	$	363,345	$	5,425,975

	As of December 31, 2022
	Term Loans
	Amortized Cost Basis by Origination Year
													Revolving
													Loans
Internally Assigned													Amortized
Risk Rating	2022		2021		2020		2019		2018		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - revolving
Pass (Ratings 1 through 5)	$	—	$	—	$	—	$	—	$	—	$	—	$	275,888	$	275,888
Special Mention (Rating 6)		—		—		—		—		—		—		17,595		17,595
Substandard (Rating 7)		—		—		—		—		—		—		3,386		3,386
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total C&I - revolving	$	—	$	—	$	—	$	—	$	—	$	—	$	296,869	$	296,869
C&I - other
Pass (Ratings 1 through 5)	$	496,445	$	279,412	$	127,803	$	87,054	$	59,675	$	105,184	$	—	$	1,155,573
Special Mention (Rating 6)		9,542		679		901		723		—		308		—		12,153
Substandard (Rating 7)		187		125		661		4,535		310		106		—		5,924
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total C&I - other	$	506,174	$	280,216	$	129,365	$	92,312	$	59,985	$	105,598	$	—	$	1,173,650
CRE - owner occupied
Pass (Ratings 1 through 5)	$	146,211	$	182,440	$	142,596	$	33,571	$	27,088	$	45,993	$	13,460	$	591,359
Special Mention (Rating 6)		6,190		—		6,379		484		—		1,346		269		14,668
Substandard (Rating 7)		3,750		171		16,336		1,396		1,197		490		—		23,340
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total CRE - owner occupied	$	156,151	$	182,611	$	165,311	$	35,451	$	28,285	$	47,829	$	13,729	$	629,367
CRE - non-owner occupied
Pass (Ratings 1 through 5)	$	310,163	$	221,953	$	173,478	$	89,337	$	56,898	$	40,923	$	7,510	$	900,262
Special Mention (Rating 6)		2,824		882		18,920		—		12,917		6,198		—		41,741
Substandard (Rating 7)		5,651		—		157		15,217		—		—		211		21,236
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total CRE - non-owner occupied	$	318,638	$	222,835	$	192,555	$	104,554	$	69,815	$	47,121	$	7,721	$	963,239
Construction and land development
Pass (Ratings 1 through 5)	$	479,016	$	330,434	$	240,778	$	31,607	$	30,300	$	—	$	29,647	$	1,141,782
Special Mention (Rating 6)		1,465		9,200		—		—		—		—		—		10,665
Substandard (Rating 7)		132		10,262		—		—		—		—		—		10,394
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total Construction and land development	$	480,613	$	349,896	$	240,778	$	31,607	$	30,300	$	—	$	29,647	$	1,162,841
Multi-family
Pass (Ratings 1 through 5)	$	237,839	$	254,056	$	224,920	$	134,378	$	99,695	$	7,875	$	2,227	$	960,990
Special Mention (Rating 6)		—		44		—		1,467		—		—		—		1,511
Substandard (Rating 7)		—		—		1,302		—		—		—		—		1,302
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total Multi-family	$	237,839	$	254,100	$	226,222	$	135,845	$	99,695	$	7,875	$	2,227	$	963,803
1-4 family real estate
Pass (Ratings 1 through 5)	$	61,953	$	57,731	$	33,737	$	12,687	$	5,813	$	6,002	$	5,855	$	183,778
Special Mention (Rating 6)		—		—		—		—		—		—		—		—
Substandard (Rating 7)		28		—		—		5		—		—		—		33
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total 1-4 family real estate	$	61,981	$	57,731	$	33,737	$	12,692	$	5,813	$	6,002	$	5,855	$	183,811
Consumer
Pass (Ratings 1 through 5)	$	511	$	801	$	493	$	122	$	254	$	621	$	10,226	$	13,028
Special Mention (Rating 6)		—		—		—		—		—		—		—		—
Substandard (Rating 7)		282		—		12		—		112		—		—		406
Doubtful (Rating 8)		—		—		—		—		—		—		—		—
Total Consumer	$	793	$	801	$	505	$	122	$	366	$	621	$	10,226	$	13,434
Total	$	1,762,189	$	1,348,190	$	988,473	$	412,583	$	294,259	$	215,046	$	366,274	$	5,387,014

	As of December 31, 2022
	Term Loans
	Amortized Cost Basis by Origination Year												Revolving
													Loans
													Amortized
Delinquency Status *	2022		2021		2020		2019		2018		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - other
Performing	$	170,180	$	69,694	$	25,540	$	8,066	$	1,804	$	79	$	—	$	275,363
Nonperforming		1,110		1,320		155		95		—		—		—		2,680
Total C&I - other	$	171,290	$	71,014	$	25,695	$	8,161	$	1,804	$	79	$	—	$	278,043
Direct financing leases
Performing	$	28,785	$	360	$	10	$	3	$	62	$	—	$	—	$	29,220
Nonperforming		—		—		—		—		—		—		—		—
Total Direct financing leases	$	28,785	$	360	$	10	$	3	$	62	$	—	$	—	$	29,220
Construction and land development
Performing	$	14,578	$	5,172	$	5,700	$	4,398	$	1,536	$	370	$	—	$	31,754
Nonperforming		—		32		88		7		8		—		—		135
Total Construction and land development	$	14,578	$	5,204	$	5,788	$	4,405	$	1,544	$	370	$	—	$	31,889
1-4 family real estate
Performing	$	69,094	$	92,762	$	75,153	$	17,089	$	11,381	$	48,136	$	90	$	313,705
Nonperforming		267		524		487		279		8		448		—		2,013
Total 1-4 family real estate	$	69,361	$	93,286	$	75,640	$	17,368	$	11,389	$	48,584	$	90	$	315,718
Consumer
Performing	$	14,685	$	3,844	$	3,717	$	1,123	$	1,140	$	1,325	$	70,974	$	96,808
Nonperforming		7		—		—		—		3		59		110		179
Total Consumer	$	14,692	$	3,844	$	3,717	$	1,123	$	1,143	$	1,384	$	71,084	$	96,987
Total	$	298,706	$	173,708	$	110,850	$	31,060	$	15,942	$	50,417	$	71,174	$	751,857

Schedule of financing receivable credit quality indicators based on delinquency status

	As of March 31, 2023
	Term Loans
	Amortized Cost Basis by Origination Year												Revolving
													Loans
													Amortized
Delinquency Status *	2023		2022		2021		2020		2019		Prior		Cost Basis		Total
	(dollars in thousands)
C&I - other
Performing	$	43,765	$	145,880	$	62,307	$	22,270	$	6,566	$	1,176	$	—	$	281,964
Nonperforming		—		2,666		1,390		64		37		—		—		4,157
Total C&I - other	$	43,765	$	148,546	$	63,697	$	22,334	$	6,603	$	1,176	$	—	$	286,121
Construction and land development
Performing	$	3,059	$	10,978	$	331	$	10	$	3	$	61	$	—	$	14,442
Nonperforming		—		—		—		—		—		—		—		—
Total Construction and land development	$	3,059	$	10,978	$	331	$	10	$	3	$	61	$	—	$	14,442
Direct financing leases
Performing	$	5,256	$	15,409	$	4,710	$	4,926	$	3,753	$	1,201	$	—	$	35,255
Nonperforming		—		—		28		22		14		54		—		118
Total Direct financing leases	$	5,256	$	15,409	$	4,738	$	4,948	$	3,767	$	1,255	$	—	$	35,373
1-4 family real estate
Performing	$	23,843	$	61,010	$	90,018	$	74,002	$	16,392	$	56,749	$	83	$	322,097
Nonperforming		—		133		512		479		460		672		—		2,256
Total 1-4 family real estate	$	23,843	$	61,143	$	90,530	$	74,481	$	16,852	$	57,421	$	83	$	324,353
Consumer
Performing	$	6,041	$	12,171	$	3,329	$	3,340	$	945	$	2,379	$	75,460	$	103,665
Nonperforming		—		7		—		—		—		41		45		93
Total Consumer	$	6,041	$	12,178	$	3,329	$	3,340	$	945	$	2,420	$	75,505	$	103,758
Total	$	81,964	$	248,254	$	162,625	$	105,113	$	28,170	$	62,333	$	75,588	$	764,047

* Performing = loans/leases accruing and less than 90 days past due. Nonperforming = loans/leases on nonaccrual and accruing loans/leases that are greater than or equal to 90 days past due.

Schedule of Gross Charge Offs of loans and Leases by Class of Receivable and Year of Origination

	As of March 31, 2023
	Gross Charge-off by Origination Year
Classes of Loans/Leases	2023		2022		2021		2020		2019		Prior		Total
	(dollars in thousands)
C&I:
C&I - revolving	$	—	$	—	$	—	$	—	$	—	$	—	$	—
C&I - other		—		740		281		794		201		35		2,051
CRE - owner occupied		—		—		208		—		—		—		208
CRE - non-owner occupied		—		—		—		—		—		—		—
Construction and land development		—		12		—		—		—		—		12
Multi-family		—		—		—		—		—		—		—
Direct financing leases		—		—		—		—		3		1		4
1-4 family real estate		—		—		—		—		—		—		—
Consumer		—		—		—		—		—		—		—
	$	—	$	752	$	489	$	794	$	204	$	36	$	2,275

Unfunded Loan Commitment

Notes Tables

Financing receivable credit quality indicators

	Three Months Ended
	March 31, 2023		March 31, 2022
	(dollars in thousands)
Balance, beginning	$	5,552	$	6,886
Provisions (credited) to expense		481		933
Balance, ending	$	6,033	$	7,819