Loans, Notes, Trade and Other Receivables Disclosure [Text Block] | ( 3 Loans and Allowance for Credit Losses on Loans Composition of loans by class follows: (in thousands) March 31, 2024 December 31, 2023 Commercial real estate - non-owner occupied $ 1,609,483 $ 1,561,689 Commercial real estate - owner occupied 931,973 907,424 Total commercial real estate 2,541,456 2,469,113 Commercial and industrial - term 864,272 867,380 Commercial and industrial - lines of credit 429,424 439,748 Total commercial and industrial 1,293,696 1,307,128 Residential real estate - owner occupied 723,234 708,893 Residential real estate - non-owner occupied 360,958 358,715 Total residential real estate 1,084,192 1,067,608 Construction and land development 532,183 531,324 Home equity lines of credit 212,443 211,390 Consumer 145,022 145,340 Leases 16,619 15,503 Credits cards 24,104 23,632 Total loans (1) $ 5,849,715 $ 5,771,038 ( 1 Accrued interest on loans, which is excluded from the amortized cost of loans, totaled $22 million and $21 million at March 31, 2024 December 31, 2023, Loans with carrying amounts of $3.21 billion and $3.15 billion were pledged to secure FHLB borrowing capacity at March 31, 2024 December 31, 2023, Loans to directors and their related interests, including loans to companies for which directors are principal owners and executive officers, totaled $62 million as of both March 31, 2024 December 31, 2023, ACL for Loans The table below reflects activity in the ACL related to loans: (in thousands) Three Months Ended March 31, 2024 Beginning Balance Provision for Credit Losses on Loans Charge-offs Recoveries Ending Balance Commercial real estate - non-owner occupied $ 22,133 $ (326 ) $ - $ 16 $ 21,823 Commercial real estate - owner occupied 11,667 (441 ) - 4 11,230 Total commercial real estate 33,800 (767 ) - 20 33,053 Commercial and industrial - term 14,359 (673 ) (23 ) 253 13,916 Commercial and industrial - lines of credit 6,495 (441 ) - 204 6,258 Total commercial and industrial 20,854 (1,114 ) (23 ) 457 20,174 Residential real estate - owner occupied 9,316 2,509 (14 ) 15 11,826 Residential real estate - non-owner occupied 4,282 449 - - 4,731 Total residential real estate 13,598 2,958 (14 ) 15 16,557 Construction and land development 7,593 (134 ) - - 7,459 Home equity lines of credit 1,660 4 - 2 1,666 Consumer 1,407 192 (210 ) 111 1,500 Leases 220 12 - - 232 Credit cards 242 24 (15 ) 5 256 Total $ 79,374 $ 1,175 $ (262 ) $ 610 $ 80,897 (in thousands) Three Months Ended March 31, 2023 Beginning Balance Provision for Credit Losses on Loans Charge-offs Recoveries Ending Balance Commercial real estate - non-owner occupied $ 22,641 $ (991 ) $ - $ 19 $ 21,669 Commercial real estate - owner occupied 10,827 602 - - 11,429 Total commercial real estate 33,468 (389 ) - 19 33,098 Commercial and industrial - term 12,991 991 (71 ) 87 13,998 Commercial and industrial - lines of credit 6,389 (364 ) - - 6,025 Total commercial and industrial 19,380 627 (71 ) 87 20,023 Residential real estate - owner occupied 6,717 1,478 - 10 8,205 Residential real estate - non-owner occupied 3,597 546 - 1 4,144 Total residential real estate 10,314 2,024 - 11 12,349 Construction and land development 7,186 (451 ) - - 6,735 Home equity lines of credit 1,613 17 (12 ) - 1,618 Consumer 1,158 88 (199 ) 139 1,186 Leases 201 (2 ) - - 199 Credit cards 211 336 (88 ) 6 465 Total $ 73,531 $ 2,250 $ (370 ) $ 262 $ 75,673 The following tables present the amortized cost basis of non-performing loans and the amortized cost basis of loans on non-accrual status for which there was no Non-accrual Loans Past Due 90-Days- (in thousands) With No Total or-More and Still March 31, 2024 Recorded ACL Non-accrual Accruing Interest Commercial real estate - non-owner occupied $ 3,025 $ 4,103 $ — Commercial real estate - owner occupied — 849 — Total commercial real estate 3,025 4,952 — Commercial and industrial - term 3,083 3,974 22 Commercial and industrial - lines of credit — — — Total commercial and industrial 3,083 3,974 22 Residential real estate - owner occupied 265 3,783 — Residential real estate - non-owner occupied — 393 — Total residential real estate 265 4,176 — Construction and land development — — — Home equity lines of credit 321 515 — Consumer — 353 — Leases — — — Credit cards — 14 84 Total $ 6,694 $ 13,984 $ 106 Non-accrual Loans Past Due 90-Days- (in thousands) With No Total or-More and Still December 31, 2023 Recorded ACL Non-accrual Accruing Interest Commercial real estate - non-owner occupied $ 1,714 $ 8,649 $ — Commercial real estate - owner occupied — 885 — Total commercial real estate 1,714 9,534 — Commercial and industrial - term 688 4,456 — Commercial and industrial - lines of credit — 215 — Total commercial and industrial 688 4,671 — Residential real estate - owner occupied 230 3,667 — Residential real estate - non-owner occupied — 372 — Total residential real estate 230 4,039 — Construction and land development — — — Home equity lines of credit 343 467 — Consumer — 337 — Leases — — — Credit cards — 10 110 Total $ 2,975 $ 19,058 $ 110 For the three March 31, 2024 2023, For the three March 31, 2024 2023, The following table presents the amortized cost basis and ACL allocated for collateral dependent loans, which are individually evaluated to determine expected credit losses: (in thousands) March 31, 2024 Real Estate Accounts Receivable / Equipment Other Total ACL Allocation Commercial real estate - non-owner occupied $ 10,518 $ - $ - $ 10,518 $ 902 Commercial real estate - owner occupied 1,742 - - 1,742 609 Total commercial real estate 12,260 - - 12,260 1,511 Commercial and industrial - term 360 3,085 248 3,693 - Commercial and industrial - lines of credit 2,212 101 - 2,313 620 Total commercial and industrial 2,572 3,186 248 6,006 620 Residential real estate - owner occupied 3,536 - - 3,536 198 Residential real estate - non-owner occupied 579 - - 579 116 Total residential real estate 4,115 - - 4,115 314 Construction and land development - - - - - Home equity lines of credit 515 - - 515 - Consumer - - 347 347 11 Leases - - - - - Credit cards - - - - - Total collateral dependent loans $ 19,462 $ 3,186 $ 595 $ 23,243 $ 2,456 (in thousands) December 31, 2023 Real Estate Accounts Receivable / Equipment Other Total ACL Allocation Commercial real estate - non-owner occupied $ 15,419 $ - $ - $ 15,419 $ 1,604 Commercial real estate - owner occupied 2,586 - - 2,586 812 Total commercial real estate 18,005 - - 18,005 2,416 Commercial and industrial - term 302 4,088 - 4,390 377 Commercial and industrial - lines of credit 2,781 101 - 2,882 708 Total commercial and industrial 3,083 4,189 - 7,272 1,085 Residential real estate - owner occupied 4,205 - - 4,205 198 Residential real estate - non-owner occupied 558 - - 558 116 Total residential real estate 4,763 - - 4,763 314 Construction and land development - - - - - Home equity lines of credit 467 - - 467 - Consumer - - 335 335 18 Leases - - - - - Credit cards - - - - - Total collateral dependent loans $ 26,318 $ 4,189 $ 335 $ 30,842 $ 3,833 The following tables present the aging of contractually past due loans by portfolio class: (in thousands) 30-59 days 60-89 days 90 or more Total Past Total March 31, 2024 Current Past Due Past Due days Past Due Due Loans Loans Commercial real estate - non-owner occupied $ 1,608,139 $ 1 $ 232 $ 1,111 $ 1,344 $ 1,609,483 Commercial real estate - owner occupied 929,996 1,717 189 71 1,977 931,973 Total commercial real estate 2,538,135 1,718 421 1,182 3,321 2,541,456 Commercial and industrial - term 862,153 489 982 648 2,119 864,272 Commercial and industrial - lines of credit 429,117 300 7 — 307 429,424 Total commercial and industrial 1,291,270 789 989 648 2,426 1,293,696 Residential real estate - owner occupied 713,275 5,908 1,897 2,154 9,959 723,234 Residential real estate - non-owner occupied 360,153 407 135 263 805 360,958 Total residential real estate 1,073,428 6,315 2,032 2,417 10,764 1,084,192 Construction and land development 532,183 — — — — 532,183 Home equity lines of credit 211,825 406 18 194 618 212,443 Consumer 144,374 257 148 243 648 145,022 Leases 16,619 — — — — 16,619 Credit cards 23,768 243 9 84 336 24,104 Total $ 5,831,602 $ 9,728 $ 3,617 $ 4,768 $ 18,113 $ 5,849,715 (in thousands) 30-59 days 60-89 days 90 or more Total Past Total December 31, 2023 Current Past Due Past Due days Past Due Due Loans Loans Commercial real estate - non-owner occupied $ 1,558,756 $ 768 $ 318 $ 1,847 $ 2,933 $ 1,561,689 Commercial real estate - owner occupied 906,385 758 260 21 1,039 907,424 Total commercial real estate 2,465,141 1,526 578 1,868 3,972 2,469,113 Commercial and industrial - term 866,089 244 2 1,045 1,291 867,380 Commercial and industrial - lines of credit 439,671 77 — — 77 439,748 Total commercial and industrial 1,305,760 321 2 1,045 1,368 1,307,128 Residential real estate - owner occupied 699,475 5,290 1,612 2,516 9,418 708,893 Residential real estate - non-owner occupied 357,763 621 94 237 952 358,715 Total residential real estate 1,057,238 5,911 1,706 2,753 10,370 1,067,608 Construction and land development 531,324 — — — — 531,324 Home equity lines of credit 210,823 67 33 467 567 211,390 Consumer 144,640 258 145 297 700 145,340 Leases 15,503 — — — — 15,503 Credit cards 23,287 191 44 110 345 23,632 Total $ 5,753,716 $ 8,274 $ 2,508 $ 6,540 $ 17,322 $ 5,771,038 Loan Risk Ratings Consistent with regulatory guidance, Bancorp categorizes loans into credit risk rating 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. Pass-rated loans include all risk-rated loans other than those classified as OAEM, substandard, and doubtful, which are defined below: OAEM may Substandard not Substandard non-performing 90 Doubtful Management considers the guidance in ASC 310 20 not As of March 31, 2024, Revolving loans (in thousands) Term Loans Amortized Cost Basis by Origination Year amortized March 31, 2024 2024 2023 2022 2021 2020 Prior cost basis Total Commercial real estate - non-owner occupied: Risk rating Pass $ 113,686 $ 292,164 $ 377,178 $ 310,974 $ 215,516 $ 244,789 $ 20,113 $ 1,574,420 OAEM 2,316 1,772 - 2,886 - 5,601 - 12,575 Substandard - 290 1,093 991 3,546 12,367 98 18,385 Substandard non-performing 2,708 76 284 - - 1,035 - 4,103 Doubtful - - - - - - - - Total Commercial real estate non-owner occupied $ 118,710 $ 294,302 $ 378,555 $ 314,851 $ 219,062 $ 263,792 $ 20,211 $ 1,609,483 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate - owner occupied: Risk rating Pass $ 38,226 $ 148,512 $ 176,211 $ 185,807 $ 169,607 $ 176,632 $ 14,950 $ 909,945 OAEM 2,316 2,325 220 1,683 742 1,397 - 8,683 Substandard 2,862 622 4,218 - 4,334 460 - 12,496 Substandard non-performing - - - 778 71 - - 849 Doubtful - - - - - - - - Total Commercial real estate owner occupied $ 43,404 $ 151,459 $ 180,649 $ 188,268 $ 174,754 $ 178,489 $ 14,950 $ 931,973 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial and industrial - term: Risk rating Pass $ 62,850 $ 250,419 $ 279,708 $ 151,918 $ 49,446 $ 46,339 $ - $ 840,680 OAEM 4,072 3,807 781 2,218 75 122 - 11,075 Substandard - 5,121 2,281 18 875 248 - 8,543 Substandard non-performing - 3,054 305 226 302 87 - 3,974 Doubtful - - - - - - - - Total Commercial and industrial - term $ 66,922 $ 262,401 $ 283,075 $ 154,380 $ 50,698 $ 46,796 $ - $ 864,272 Current period gross charge offs $ - $ (23 ) $ - $ - $ - $ - $ - $ (23 ) Commercial and industrial - lines of credit Risk rating Pass $ 13,843 $ 18,796 $ 11,216 $ 3,066 $ 337 $ 7,895 $ 343,653 $ 398,806 OAEM 5,382 - - - - 14 22,403 27,799 Substandard - - - - - - 2,819 2,819 Substandard non-performing - - - - - - - - Doubtful - - - - - - - - Total Commercial and industrial - lines of credit $ 19,225 $ 18,796 $ 11,216 $ 3,066 $ 337 $ 7,909 $ 368,875 $ 429,424 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - (continued) (continued) Revolving loans (in thousands) Term Loans Amortized Cost Basis by Origination Year amortized March 31, 2024 2024 2023 2022 2021 2020 Prior cost basis Total Residential real estate - owner occupied Risk rating Pass $ 27,388 $ 167,859 $ 174,431 $ 172,838 $ 84,750 $ 91,731 $ - $ 718,997 OAEM - - - 88 - - - 88 Substandard - - 14 - - 352 - 366 Substandard non-performing - 1,727 1,088 189 182 597 - 3,783 Doubtful - - - - - - - - Total Residential real estate - owner occupied $ 27,388 $ 169,586 $ 175,533 $ 173,115 $ 84,932 $ 92,680 $ - $ 723,234 Current period gross charge offs $ - $ (14 ) $ - $ - $ - $ - $ - $ (14 ) Residential real estate - non-owner occupied Risk rating Pass $ 17,699 $ 75,801 $ 82,460 $ 76,341 $ 47,211 $ 60,216 $ - $ 359,728 OAEM - - 4 - - 524 - 528 Substandard - - - - - 309 - 309 Substandard non-performing - - 226 19 - 148 - 393 Doubtful - - - - - - - - Total Residential real estate - non-owner occupied $ 17,699 $ 75,801 $ 82,690 $ 76,360 $ 47,211 $ 61,197 $ - $ 360,958 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Construction and land development Risk rating Pass $ 52,693 $ 167,237 $ 213,365 $ 60,291 $ 10,522 $ 4,013 $ 13,909 $ 522,030 OAEM 3,683 - - - - - 999 4,682 Substandard 2,298 3,173 - - - - - 5,471 Substandard non-performing - - - - - - - - Doubtful - - - - - - - - Total Construction and land development $ 58,674 $ 170,410 $ 213,365 $ 60,291 $ 10,522 $ 4,013 $ 14,908 $ 532,183 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Home equity lines of credit Risk rating Pass $ - $ - $ - $ - $ - $ - $ 211,891 $ 211,891 OAEM - - - - - - - - Substandard - - - - - - 37 37 Substandard non-performing - - - - - - 515 515 Doubtful - - - - - - - - Total Home equity lines of credit $ - $ - $ - $ - $ - $ - $ 212,443 $ 212,443 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Consumer Risk rating Pass $ 7,341 $ 25,424 $ 17,140 $ 8,213 $ 2,332 $ 2,953 $ 81,266 $ 144,669 OAEM - - - - - - - - Substandard - - - - - - - - Substandard non-performing - 152 62 86 26 27 - 353 Doubtful - - - - - - - - Total Consumer $ 7,341 $ 25,576 $ 17,202 $ 8,299 $ 2,358 $ 2,980 $ 81,266 $ 145,022 Current period gross charge offs $ (153 ) $ (6 ) $ - $ (13 ) $ (2 ) $ (33 ) $ (3 ) $ (210 ) (continued) (continued) Revolving loans (in thousands) Term Loans Amortized Cost Basis by Origination Year amortized March 31, 2024 2024 2023 2022 2021 2020 Prior cost basis Total Leases Risk rating Pass $ 2,634 $ 6,486 $ 3,182 $ 2,667 $ 1,336 $ 314 $ - $ 16,619 OAEM - - - - - - - - Substandard - - - - - - - - Substandard non-performing - - - - - - - - Doubtful - - - - - - - - Total Leases $ 2,634 $ 6,486 $ 3,182 $ 2,667 $ 1,336 $ 314 $ - $ 16,619 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Credit cards Risk rating Pass $ - $ - $ - $ - $ - $ - $ 24,090 $ 24,090 OAEM - - - - - - - - Substandard - - - - - - - - Substandard non-performing - - - - - - 14 14 Doubtful - - - - - - - - Total Credit cards $ - $ - $ - $ - $ - $ - $ 24,104 $ 24,104 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ (15 ) $ (15 ) Total loans Risk rating Pass $ 336,360 $ 1,152,698 $ 1,334,891 $ 972,115 $ 581,057 $ 634,882 $ 709,872 $ 5,721,875 OAEM 17,769 7,904 1,005 6,875 817 7,658 23,402 65,430 Substandard 5,160 9,206 7,606 1,009 8,755 13,736 2,954 48,426 Substandard non-performing 2,708 5,009 1,965 1,298 581 1,894 529 13,984 Doubtful - - - - - - - - Total Loans $ 361,997 $ 1,174,817 $ 1,345,467 $ 981,297 $ 591,210 $ 658,170 $ 736,757 $ 5,849,715 Current period gross charge offs $ (153 ) $ (43 ) $ - $ (13 ) $ (2 ) $ (33 ) $ (18 ) $ (262 ) As of December 31, 2023, Revolving loans (in thousands) Term Loans Amortized Cost Basis by Origination Year amortized December 31, 2023 2023 2022 2021 2020 2019 Prior cost basis Total Commercial real estate - non-owner occupied: Risk rating Pass $ 302,787 $ 370,728 $ 346,600 $ 220,144 $ 122,732 $ 136,624 $ 26,187 $ 1,525,802 OAEM 76 - 2,902 - 1,947 3,727 - 8,652 Substandard 290 1,093 997 3,587 12,278 243 98 18,586 Substandard non-performing 5,806 286 - - 1,472 1,085 - 8,649 Doubtful - - - - - - - - Total Commercial real estate non-owner occupied $ 308,959 $ 372,107 $ 350,499 $ 223,731 $ 138,429 $ 141,679 $ 26,285 $ 1,561,689 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial real estate - owner occupied: Risk rating Pass $ 148,498 $ 164,087 $ 191,350 $ 179,450 $ 90,575 $ 100,988 $ 13,941 $ 888,889 OAEM 4,175 221 592 757 395 691 - 6,831 Substandard 1,675 4,258 - 4,370 458 58 - 10,819 Substandard non-performing - 21 793 71 - - - 885 Doubtful - - - - - - - - Total Commercial real estate owner occupied $ 154,348 $ 168,587 $ 192,735 $ 184,648 $ 91,428 $ 101,737 $ 13,941 $ 907,424 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Commercial and industrial - term: Risk rating Pass $ 279,002 $ 298,204 $ 172,288 $ 56,949 $ 24,939 $ 26,790 $ - $ 858,172 OAEM 585 819 2,520 87 139 - - 4,150 Substandard 218 80 31 - - 273 - 602 Substandard non-performing 3,395 592 29 338 101 1 - 4,456 Doubtful - - - - - - - - Total Commercial and industrial - term $ 283,200 $ 299,695 $ 174,868 $ 57,374 $ 25,179 $ 27,064 $ - $ 867,380 Current period gross charge offs $ (1,315 ) $ (734 ) $ (37 ) $ (93 ) $ (37 ) $ (82 ) $ - $ (2,298 ) Commercial and industrial - lines of credit Risk rating Pass $ 30,553 $ 22,409 $ 3,232 $ 348 $ 8,931 $ 1,783 $ 356,237 $ 423,493 OAEM - - - 723 20 - 8,585 9,328 Substandard - - - - - - 6,712 6,712 Substandard non-performing 157 - - - - - 58 215 Doubtful - - - - - - - - Total Commercial and industrial - lines of credit $ 30,710 $ 22,409 $ 3,232 $ 1,071 $ 8,951 $ 1,783 $ 371,592 $ 439,748 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ (3,633 ) $ (3,633 ) (continued) (continued) Revolving loans (in thousands) Term Loans Amortized Cost Basis by Origination Year amortized December 31, 2023 2023 2022 2021 2020 2019 Prior cost basis Total Residential real estate - owner occupied Risk rating Pass $ 170,446 $ 178,088 $ 175,561 $ 86,105 $ 24,354 $ 70,213 $ - $ 704,767 OAEM - - 89 - - - - 89 Substandard - 15 - - - 355 - 370 Substandard non-performing 1,138 1,122 297 192 162 756 - 3,667 Doubtful - - - - - - - - Total Residential real estate - owner occupied $ 171,584 $ 179,225 $ 175,947 $ 86,297 $ 24,516 $ 71,324 $ - $ 708,893 Current period gross charge offs $ - $ - $ - $ - $ - $ (43 ) $ - $ (43 ) Residential real estate - non-owner occupied Risk rating Pass $ 83,913 $ 84,278 $ 77,868 $ 49,555 $ 31,325 $ 30,546 $ - $ 357,485 OAEM - 7 - - 262 277 - 546 Substandard - - - - - 312 - 312 Substandard non-performing - 233 19 - 45 75 - 372 Doubtful - - - - - - - - Total Residential real estate - non-owner occupied $ 83,913 $ 84,518 $ 77,887 $ 49,555 $ 31,632 $ 31,210 $ - $ 358,715 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Construction and land development Risk rating Pass $ 157,832 $ 239,807 $ 69,131 $ 34,591 $ 478 $ 3,711 $ 15,623 $ 521,173 OAEM - - 3,682 - - - 999 4,681 Substandard 5,470 - - - - - - 5,470 Substandard non-performing - - - - - - - - Doubtful - - - - - - - - Total Construction and land development $ 163,302 $ 239,807 $ 72,813 $ 34,591 $ 478 $ 3,711 $ 16,622 $ 531,324 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Home equity lines of credit Risk rating Pass $ - $ - $ - $ - $ - $ - $ 210,886 $ 210,886 OAEM - - - - - - - - Substandard - - - - - - 37 37 Substandard non-performing - - - - - - 467 467 Doubtful - - - - - - - - Total Home equity lines of credit $ - $ - $ - $ - $ - $ - $ 211,390 $ 211,390 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ (12 ) $ (12 ) Consumer Risk rating Pass $ 30,823 $ 18,399 $ 10,148 $ 2,832 $ 1,931 $ 1,765 $ 79,105 $ 145,003 OAEM - - - - - - - - Substandard - - - - - - - - Substandard non-performing 41 145 91 27 3 14 16 337 Doubtful - - - - - - - - Total Consumer $ 30,864 $ 18,544 $ 10,239 $ 2,859 $ 1,934 $ 1,779 $ 79,121 $ 145,340 Current period gross charge offs $ (683 ) $ (22 ) $ (29 ) $ (43 ) $ (41 ) $ (27 ) $ (20 ) $ (865 ) (continued) (continued) Revolving loans (in thousands) Term Loans Amortized Cost Basis by Origination Year amortized December 31, 2023 2023 2022 2021 2020 2019 Prior cost basis Total Leases Risk rating Pass $ 6,801 $ 3,442 $ 3,117 $ 1,723 $ 155 $ 265 $ - $ 15,503 OAEM - - - - - - - - Substandard - - - - - - - - Substandard non-performing - - - - - - - - Doubtful - - - - - - - - Total Leases $ 6,801 $ 3,442 $ 3,117 $ 1,723 $ 155 $ 265 $ - $ 15,503 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ - $ - Credit cards Risk rating Pass $ - $ - $ - $ - $ - $ - $ 23,622 $ 23,622 OAEM - - - - - - - - Substandard - - - - - - - - Substandard non-performing - - - - - - 10 10 Doubtful - - - - - - - - Total Credit cards $ - $ - $ - $ - $ - $ - $ 23,632 $ 23,632 Current period gross charge offs $ - $ - $ - $ - $ - $ - $ (661 ) $ (661 ) Total loans Risk rating Pass $ 1,207,296 $ 1,379,117 $ 1,047,901 $ 630,129 $ 305,493 $ 379,258 $ 725,601 $ 5,674,795 OAEM 4,836 1,047 9,785 1,567 2,763 4,695 9,584 34,277 Substandard 7,653 5,446 1,028 7,957 12,736 1,241 6,847 42,908 Substandard non-performing 10,537 2,399 1,229 628 1,783 1,931 551 19,058 Doubtful - - - - - - - - Total Loans $ 1,230,322 $ 1,388,009 $ 1,059,943 $ 640,281 $ 322,775 $ 387,125 $ 742,583 $ 5,771,038 Current period gross charge offs $ (1,998 ) $ (756 ) $ (66 ) $ (136 ) $ (78 ) $ (152 ) $ (4,326 ) $ (7,512 ) For certain loan classes, such as credit cards, credit quality is evaluated based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in credit cards based on payment activity: March 31, December 31, (in thousands) 2024 2023 Credit cards Performing $ 24,006 $ 23,512 Non-performing 98 120 Total credit cards $ 24,104 $ 23,632 Bancorp had $112,000 and $668,000, respectively, in residential real estate loans for which formal foreclosure proceedings were in process at March 31, 2024 December 31, 2023. Modifications to Borrowers Experiencing Financial Difficulty During the three March 31, 2024 2023 no no 12 90 |