NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
NOTE 19. COMMITMENTS AND CONTINGENCIES Tmheee tC tohme pf ai nnaynicsi nagpna er teyd st ooffi ni tasnccui as lt oi nms et rrus m. Te nh tess ew fi itnhaonfcf -i abla il na ns tcreu- ms heenetts r ii ns kc l ui nd tehceonmomr mi t aml ec no tusr st oe oe xf tbeunsdi ncersesd ti ot , sc traenddi tbryi slke titne resx coef scsr eodf itthaenadmootuhne tr rceocmo gmniitzme de ni nt s .t hTe hsot as et e imn setnrtusmoef nf itns ainncvioallvpeo, st oi t i voanr. y Ti nhge dceognrtereasc,t ealme mo ue nn tt ss oo ff these instruments reflect the extent of involvement the Company has in particular classes of financial instruments. The Company’s exposure to credit loss in the event of nonperformance by the other party to the financial ianms toruunmt eonf tt hf oo sr e cionms t mr uimt me ennt st .s Tthoe eCxot me npda nc ryeudsi et satnhde ss at amned cbrye dl ei tt tpeor sl i coi ef sc irne dmi ta ki si nrge cpor me sme ni tt me de nbtys at hned cc oo nn tdriat icot nu aa ll ofibnlaingactiaiol ninssatrsuimt ednotesswfoitrh ocnre-bdaitlarniscke-bsehceoeltlaintesrtarulizmeednwtsi.thUdneleedsss onfottreudsto. therwise, the Company requires that Contract Amounts at December 31, (in thousands) 2025 2024 Financial instruments whose contract amounts represent credit risk: Standby letters of credit $ 27,653 $ 28,607 Revolving home equity lines 59,099 47,753 Unused loan commitments 905,177 790,166 Cc oonmdmi t iiot mn eens tt as btloi s he xe tde ni nd t chree dc oi tn at rraec ta. gCroe me mmeint mt s etnot sl egnedn etroa lal ychuas vt oemf iexre da se xl opni rga tai os nt hdeartee si so rn oo tvhieorl attei romn i onfa tai on ny cdlraauws ens ua pn od nm, at hy er etqout ai rl e cpoamy mm ei tnmt eonf ta af eme o. uSni nt sc e dmo a nn oy t o nf tehc ee scsoamr i ml y i trme pe rnet ss eanrte feuxtpuercet ecda st oh erxepqi ur ei r we mi t ehno tust. b eTi hn eg iCf odme epma neyd enveacleusastaersyeba yc ht hceu sCtoommpe ar n’ syc, ri es dbi at ws eodr tohni nme as sn aogneamceans te’ -sbcyr-ecda isteebv aa sl ui sa. t Ti ohne oaf mt hoeu cnot uonf tceorl pl aatretrya. l Co obltlaaitneer da l, hp er ol dd uvcai nr ige sc obmumt emr caiya l ipnrcol upde er t i ae cs c. oFuonr t us nruesceedi vl aoba lne ,c oi nmvme ni ttmo reyn, t sp, rionpt ee rr et ys ,t rpal taenst c oa nu ldd be qe uf ii xpemd eonrt ,v aarni ad b li en.c o m e - Sc ut asnt odmb ye rl ettot ear tshoi rf dc rpeadri tt ya. r Te hc oo sned li et itot enrasl -coof -mc rme di timt aernet sp ri si ms uaerdi l by yi stshuee Cd ot mo spuapnpy ot rot gpuuabrlai cn at ened t ph rei vpaetref obromr raonwc ei nogf a ac rr er adni tgiesms ueendt sh, aivnec lruedviinegw cdoamt ems ewr ictiha il npoanpee ry, ebaor .n dT hf ei ncarnecdi ni t gr ias nk di nsvi oml vi leadr itnr ai ns ssua icnt igo lnest .t e rEss soef nc trieadl liyt ias l le sl es et tnetrisa l ol yf tshuep ps oa rmt ien ga st htohsaet cionmv oml vi temd ei nn t se, xatne dn da itnDg e lcoeamn bfearc 3i l i1t ,i e2s0 2t o5 ac nu sdt 2o m0 2e4r ,ss. u cThh ceo Cl l oa tme rpaalnwy ags ei nn eerxacl el ys shoof l $d 2s 7c, o6 l5l a3t, 0e r0a0l and $28,607,000, respectively. The Company and Subsidiary are subject to claims and lawsuits which arise principally in the ordinary course of wb ui lsli nn eo st sh. aIvt ei sa tmh ea toepriina il oand vo ef rms ea neaf fgeecmt oenn tt ht he actotnhseodl iidsaptoesdi tfiionna nocr i ua ll tpi mo sai tt ei orne os of ltuhtei oCno omf psaunc yh. c l a i m s a n d l a w s u i t s
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