From this table, is the trend favorable or unfavorable for overall loan quality, assuming honest,...

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From this table, is the trend favorable or unfavorable for overall loan quality, assuming honest, unbiased accounting? Dec 31, 2021 Dec 31, 2020 Gross loans 750,863 668,069 Less allowance for loan losses (8,179) (7.925) Loans, net 742,684 660,144 Accrued interest receivable 5,200 5,297 Other real estate owned, net 2,582 2,817 5,873 Intangible assets and goodwill 5,898 Total stockholders' equity 185,851 184,896 Non-current loans 3,287 3,197 The trend is favorable

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