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Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2013
Allowance for Credit Losses [Abstract]  
Allocation of the allowance for credit losses by portfolio segment and by impairment methodology
The following tables show the allocation of the allowance for credit losses by portfolio segment and by impairment methodology at the dates indicated (in thousands):

June 30, 2013
 
Commercial Real Estate
  
Agricultural Real Estate
  
Real Estate Construction
  
Residential 1st Mortgages
  
Home Equity Lines & Loans
  
Agricultural
  
Commercial
  
Consumer & Other
  
Leases
  
Unallocated
  
Total
 
 
 
  
  
  
  
  
  
  
  
  
  
 
Year-To-Date Allowance for Credit Losses:
  
  
  
  
  
  
  
  
  
 
Beginning Balance- January 1, 2013
 
$
6,464
  
$
2,877
  
$
986
  
$
1,219
  
$
3,235
  
$
10,437
  
$
7,963
  
$
182
  
$
-
  
$
854
  
$
34,217
 
Charge-Offs
  
-
   
(400
)
  
-
   
(16
)
  
(22
)
  
(23
)
  
(4
)
  
(64
)
  
-
   
-
   
(529
)
Recoveries
  
-
   
-
   
-
   
-
   
20
   
20
   
236
   
21
   
-
   
-
   
297
 
Provision
  
(732
)
  
1,004
   
(9
)
  
(166
)
  
(249
)
  
123
   
880
   
29
   
-
   
(630
)
  
250
 
Ending Balance- June 30, 2013
 
$
5,732
  
$
3,481
  
$
977
  
$
1,037
  
$
2,984
  
$
10,557
  
$
9,075
  
$
168
  
$
-
  
$
224
  
$
34,235
 
Second Quarter Allowance for Credit Losses:
                                     
Beginning Balance- April 1, 2013
 
$
6,671
  
$
3,795
  
$
969
  
$
1,260
  
$
3,209
  
$
9,412
  
$
7,966
  
$
163
  
$
-
  
$
810
  
$
34,255
 
Charge-Offs
  
-
   
(400
)
  
-
   
-
   
(21
)
  
(23
)
  
(4
)
  
(46
)
  
-
   
-
   
(494
)
Recoveries
  
-
   
-
   
-
   
-
   
18
   
7
   
189
   
10
   
-
   
-
   
224
 
Provision
  
(939
)
  
86
   
8
   
(223
)
  
(222
)
  
1,161
   
924
   
41
   
-
   
(586
)
  
250
 
Ending Balance- June 30, 2013
 
$
5,732
  
$
3,481
  
$
977
  
$
1,037
  
$
2,984
  
$
10,557
  
$
9,075
  
$
168
  
$
-
  
$
224
  
$
34,235
 
Ending Balance Individually Evaluated for Impairment
  
6
   
300
   
-
   
-
   
243
   
596
   
202
   
55
   
-
   
-
   
1,402
 
Ending Balance Collectively Evaluated for Impairment
  
5,726
   
3,181
   
977
   
1,037
   
2,741
   
9,961
   
8,873
   
113
   
-
   
224
   
32,833
 
Loans:
                                            
Ending Balance
 
$
393,159
  
$
312,588
  
$
32,718
  
$
136,473
  
$
37,498
  
$
214,760
  
$
159,647
  
$
5,546
  
$
2,667
  
$
-
  
$
1,295,056
 
Ending Balance Individually Evaluated for Impairment
  
2,979
   
5,817
   
-
   
528
   
612
   
1,500
   
510
   
56
   
-
   
-
   
12,002
 
Ending Balance Collectively Evaluated for Impairment
  
390,180
   
306,771
   
32,718
   
135,945
   
36,886
   
213,260
   
159,137
   
5,490
   
2,667
   
-
   
1,283,054
 

December 31, 2012
 
Commercial Real Estate
  
Agricultural Real Estate
  
Real Estate Construction
  
Residential 1st Mortgages
  
Home Equity Lines & Loans
  
Agricultural
  
Commercial
  
Consumer & Other
  
Leases
  
Unallocated
  
Total
 
 
 
  
  
  
  
  
  
  
  
  
  
 
Year-To-Date Allowance for Credit Losses:
  
  
  
  
  
  
  
  
  
 
Beginning Balance- January 1, 2012
 
$
5,823
  
$
2,583
  
$
1,933
  
$
1,251
  
$
3,746
  
$
8,127
  
$
8,733
  
$
207
  
$
-
  
$
614
  
$
33,017
 
Charge-Offs
  
-
   
-
   
-
   
(152
)
  
(259
)
  
(294
)
  
(198
)
  
(145
)
  
-
   
-
   
(1,048
)
Recoveries
  
-
   
90
   
-
   
53
   
14
   
61
   
117
   
63
   
-
   
-
   
398
 
Provision
  
641
   
204
   
(947
)
  
67
   
(266
)
  
2,543
   
(689
)
  
57
   
-
   
240
   
1,850
 
Ending Balance- December 31, 2012
 
$
6,464
  
$
2,877
  
$
986
  
$
1,219
  
$
3,235
  
$
10,437
  
$
7,963
  
$
182
  
$
-
  
$
854
  
$
34,217
 
Ending Balance Individually Evaluated for Impairment
  
-
   
-
   
-
   
-
   
173
   
996
   
144
   
61
   
-
   
-
   
1,374
 
Ending Balance Collectively Evaluated for Impairment
  
6,464
   
2,877
   
986
   
1,219
   
3,062
   
9,441
   
7,819
   
121
   
-
   
854
   
32,843
 
Loans:
                                            
Ending Balance
 
$
350,548
  
$
311,992
  
$
32,680
  
$
140,257
  
$
42,042
  
$
221,032
  
$
143,293
  
$
5,058
  
$
-
  
$
-
  
$
1,246,902
 
Ending Balance Individually Evaluated for Impairment
  
289
   
5,423
   
-
   
657
   
980
   
3,937
   
250
   
61
   
-
   
-
   
11,597
 
Ending Balance Collectively Evaluated for Impairment
  
350,259
   
306,569
   
32,680
   
139,600
   
41,062
   
217,095
   
143,043
   
4,997
   
-
   
-
   
1,235,305
 
 
June 30, 2012
 
Commercial Real Estate
  
Agricultural Real Estate
  
Real Estate Construction
  
Residential 1st Mortgages
  
Home Equity Lines & Loans
  
Agricultural
  
Commercial
  
Consumer & Other
  
Leases
  
Unallocated
  
Total
 
 
 
  
  
  
  
  
  
  
  
  
  
 
Year-To-Date Allowance for Credit Losses:
  
  
  
  
  
  
  
  
  
 
Beginning Balance- January 1, 2012
 
$
5,823
  
$
2,583
  
$
1,933
  
$
1,251
  
$
3,746
  
$
8,127
  
$
8,733
  
$
207
  
$
-
  
$
614
  
$
33,017
 
Charge-Offs
  
-
   
-
   
-
   
(1
)
  
(116
)
  
(240
)
  
(198
)
  
(88
)
  
-
   
-
   
(643
)
Recoveries
  
-
   
89
   
-
   
-
   
10
   
61
   
32
   
32
   
-
   
-
   
224
 
Provision
  
(1,446
)
  
(39
)
  
(33
)
  
201
   
(126
)
  
(114
)
  
971
   
(11
)
  
-
   
1,097
   
500
 
Ending Balance- June 30, 2012
 
$
4,377
  
$
2,633
  
$
1,900
  
$
1,451
  
$
3,514
  
$
7,834
  
$
9,538
  
$
140
      
$
1,711
  
$
33,098
 
 
                                            
Second Quarter Allowance for Credit Losses:
                                     
Beginning Balance- April 1, 2012
 
$
4,443
  
$
2,775
  
$
2,201
  
$
1,295
  
$
3,552
  
$
8,757
  
$
8,637
  
$
162
  
$
-
  
$
1,120
  
$
32,942
 
Charge-Offs
  
-
   
-
   
-
   
(1
)
  
(47
)
  
(240
)
  
-
   
(24
)
  
-
   
-
   
(312
)
Recoveries
  
-
   
89
   
-
   
-
   
2
   
59
   
24
   
14
   
-
   
-
   
188
 
Provision
  
(66
)
  
(231
)
  
(301
)
  
157
   
7
   
(742
)
  
877
   
(12
)
  
-
   
591
   
280
 
Ending Balance- June 30, 2012
 
$
4,377
  
$
2,633
  
$
1,900
  
$
1,451
  
$
3,514
  
$
7,834
  
$
9,538
  
$
140
  
$
-
  
$
1,711
  
$
33,098
 
Ending Balance Individually Evaluated for Impairment
  
-
   
-
   
-
   
51
   
60
   
586
   
197
   
21
   
-
   
-
   
915
 
Ending Balance Collectively Evaluated for Impairment
  
4,377
   
2,633
   
1,900
   
1,400
   
3,454
   
7,248
   
9,341
   
119
   
-
   
1,711
   
32,183
 
Loans:
                                            
Ending Balance
 
$
324,795
  
$
285,630
  
$
36,033
  
$
123,053
  
$
46,284
  
$
210,780
  
$
171,621
  
$
5,798
  
$
-
  
$
-
  
$
1,203,994
 
Ending Balance Individually Evaluated for Impairment
  
299
   
1,512
   
-
   
495
   
826
   
874
   
363
   
21
   
-
   
-
   
4,390
 
Ending Balance Collectively Evaluated for Impairment
  
324,496
   
284,118
   
36,033
   
122,558
   
45,458
   
209,906
   
171,258
   
5,777
   
-
   
-
   
1,199,604
 
Loan portfolio allocated by management's internal risk ratings
The following tables show the loan & lease portfolio allocated by management’s internal risk ratings at the dates indicated (in thousands):

June 30, 2013
 
Pass
  
Special Mention
  
Substandard
  
Total Loans
 
Loans:
 
  
  
  
 
Commercial Real Estate
 
$
378,570
  
$
7,817
  
$
6,772
  
$
393,159
 
Agricultural Real Estate
  
304,516
   
1,936
   
6,136
   
312,588
 
Real Estate Construction
  
26,534
   
6,184
   
-
   
32,718
 
Residential 1st Mortgages
  
134,766
   
786
   
921
   
136,473
 
Home Equity Lines & Loans
  
36,407
   
-
   
1,091
   
37,498
 
Agricultural
  
212,923
   
526
   
1,311
   
214,760
 
Commercial
  
153,445
   
5,861
   
341
   
159,647
 
Consumer & Other
  
5,260
   
-
   
286
   
5,546
 
Leases
  
2,667
   
-
   
-
   
2,667
 
Total
 
$
1,255,088
  
$
23,110
  
$
16,858
  
$
1,295,056
 

December 31, 2012
 
Pass
  
Special Mention
  
Substandard
  
Total Loans
 
Loans:
 
  
  
  
 
Commercial Real Estate
 
$
326,037
  
$
15,528
  
$
8,983
  
$
350,548
 
Agricultural Real Estate
  
299,642
   
6,605
   
5,745
   
311,992
 
Real Estate Construction
  
26,445
   
6,235
   
-
   
32,680
 
Residential 1st Mortgages
  
137,998
   
1,192
   
1,067
   
140,257
 
Home Equity Lines & Loans
  
40,866
   
-
   
1,176
   
42,042
 
Agricultural
  
216,164
   
1,168
   
3,700
   
221,032
 
Commercial
  
137,217
   
5,586
   
490
   
143,293
 
Consumer & Other
  
4,737
   
-
   
321
   
5,058
 
Total
 
$
1,189,106
  
$
36,314
  
$
21,482
  
$
1,246,902
 

June 30, 2012
 
Pass
  
Special Mention
  
Substandard
  
Total Loans
 
Loans:
 
  
  
  
 
Commercial Real Estate
 
$
287,439
  
$
30,475
  
$
6,881
  
$
324,795
 
Agricultural Real Estate
  
261,347
   
20,362
   
3,921
   
285,630
 
Real Estate Construction
  
28,169
   
3,217
   
4,647
   
36,033
 
Residential 1st Mortgages
  
120,787
   
1,235
   
1,031
   
123,053
 
Home Equity Lines & Loans
  
43,895
   
-
   
2,389
   
46,284
 
Agricultural
  
202,469
   
5,515
   
2,796
   
210,780
 
Commercial
  
165,113
   
5,906
   
602
   
171,621
 
Consumer & Other
  
5,565
   
-
   
233
   
5,798
 
Total
 
$
1,114,784
  
$
66,710
  
$
22,500
  
$
1,203,994
 
Aging analysis of the loan portfolio by the time past due
The following tables show an aging analysis of the loan & lease portfolio by the time past due at the dates indicated
(in thousands):

 
 
30-89 Days
  
90 Days and
  
  
Total Past
  
  
Total
 
June 30, 2013
 
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans:
 
  
  
  
  
  
 
Commercial Real Estate
 
$
-
  
$
-
  
$
2,873
  
$
2,873
  
$
390,286
  
$
393,159
 
Agricultural Real Estate
  
-
   
-
   
5,817
   
5,817
   
306,771
   
312,588
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
32,718
   
32,718
 
Residential 1st Mortgages
  
-
   
-
   
202
   
202
   
136,271
   
136,473
 
Home Equity Lines & Loans
  
152
   
-
   
243
   
395
   
37,103
   
37,498
 
Agricultural
  
-
   
-
   
997
   
997
   
213,763
   
214,760
 
Commercial
  
1
   
-
   
277
   
278
   
159,369
   
159,647
 
Consumer & Other
  
16
   
-
   
18
   
34
   
5,512
   
5,546
 
Leases
  
-
   
-
   
-
   
-
   
2,667
   
2,667
 
Total
 
$
169
  
$
-
  
$
10,427
  
$
10,596
  
$
1,284,460
  
$
1,295,056
 

 
 
30-89 Days
  
90 Days and
  
  
Total Past
  
  
Total
 
December 31, 2012
 
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans:
 
  
  
  
  
  
 
Commercial Real Estate
 
$
150
  
$
-
  
$
-
  
$
150
  
$
350,398
  
$
350,548
 
Agricultural Real Estate
  
-
   
-
   
5,423
   
5,423
   
306,569
   
311,992
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
32,680
   
32,680
 
Residential 1st Mortgages
  
23
   
-
   
445
   
468
   
139,789
   
140,257
 
Home Equity Lines & Loans
  
70
   
-
   
213
   
283
   
41,759
   
42,042
 
Agricultural
  
-
   
-
   
3,198
   
3,198
   
217,834
   
221,032
 
Commercial
  
293
   
-
   
-
   
293
   
143,000
   
143,293
 
Consumer & Other
  
11
   
-
   
19
   
30
   
5,028
   
5,058
 
Total
 
$
547
  
$
-
  
$
9,298
  
$
9,845
  
$
1,237,057
  
$
1,246,902
 

 
 
30-89 Days
  
90 Days or More
  
  
Total Past
  
  
Total
 
June 30, 2012
 
Past Due
  
and Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans:
 
  
  
  
  
  
 
Commercial Real Estate
 
$
105
  
$
-
  
$
-
  
$
105
  
$
324,690
  
$
324,795
 
Agricultural Real Estate
  
-
   
-
   
1,512
   
1,512
   
284,118
   
285,630
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
36,033
   
36,033
 
Residential 1st Mortgages
  
11
   
-
   
452
   
463
   
122,590
   
123,053
 
Home Equity Lines & Loans
  
132
   
-
   
346
   
478
   
45,806
   
46,284
 
Agricultural
  
2,384
   
-
   
587
   
2,971
   
207,809
   
210,780
 
Commercial
  
327
   
-
   
97
   
424
   
171,197
   
171,621
 
Consumer & Other
  
44
   
-
   
21
   
65
   
5,733
   
5,798
 
Total
 
$
3,003
  
$
-
  
$
3,015
  
$
6,018
  
$
1,197,976
  
$
1,203,994
 
Impaired loans
The following tables show information related to impaired loans & leases for the periods indicated (in thousands):

 
 
  
  
  
Three Months Ended June 30, 2013
  
Six Months Ended June 30, 2013
 
 
 
  
Unpaid
  
  
Average
  
Interest
  
Average
  
Interest
 
 
 
Recorded
  
Principal
  
Related
  
Recorded
  
Income
  
Recorded
  
Income
 
June 30, 2013
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
  
Investment
  
Recognized
 
With no related allowance recorded:
 
  
  
  
  
  
  
 
Commercial Real Estate
 
$
2,973
  
$
2,993
  
$
-
  
$
1,540
  
$
2
  
$
869
  
$
4
 
Agricultural Real Estate
  
4,382
   
4,673
   
-
   
3,945
   
-
   
4,209
   
-
 
Residential 1st Mortgages
  
530
   
580
   
-
   
633
   
4
   
665
   
7
 
Home Equity Lines & Loans
  
374
   
397
   
-
   
312
   
1
   
417
   
2
 
Agricultural
  
457
   
503
   
-
   
1,105
   
-
   
1,474
   
-
 
Commercial
  
92
   
92
   
-
   
98
   
2
   
102
   
4
 
 
 
$
8,808
  
$
9,238
  
$
-
  
$
7,633
  
$
9
  
$
7,736
  
$
17
 
With an allowance recorded:
                            
Commercial Real Estate
 
$
7
  
$
6
  
$
6
  
$
4
  
$
-
  
$
2
  
$
-
 
Agricultural Real Estate
  
1,449
   
1,843
   
300
   
1,645
   
-
   
1,283
   
-
 
Home Equity Lines & Loans
  
243
   
289
   
243
   
198
   
-
   
186
   
-
 
Agricultural
  
1,043
   
1,068
   
596
   
1,516
   
8
   
1,757
   
16
 
Commercial
  
418
   
430
   
202
   
281
   
2
   
213
   
4
 
Consumer & Other
  
56
   
58
   
55
   
201
   
1
   
202
   
2
 
 
 
$
3,216
  
$
3,694
  
$
1,402
  
$
3,845
  
$
11
  
$
3,643
  
$
22
 
Total
 
$
12,024
  
$
12,932
  
$
1,402
  
$
11,478
  
$
20
  
$
11,379
  
$
39
 

 
 
  
Unpaid
  
  
Average
  
Interest
 
 
 
Recorded
  
Principal
  
Related
  
Recorded
  
Income
 
December 31, 2012
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
 
With no related allowance recorded:
 
  
  
  
  
 
Commercial Real Estate
 
$
289
  
$
289
  
$
-
  
$
506
  
$
20
 
Agricultural Real Estate
  
5,437
   
5,454
   
-
   
2,611
   
-
 
Residential 1st Mortgages
  
658
   
761
   
-
   
458
   
3
 
Home Equity Lines & Loans
  
792
   
871
   
-
   
775
   
23
 
Agricultural
  
1,932
   
1,954
   
-
   
1,159
   
19
 
Commercial
  
106
   
106
   
-
   
144
   
6
 
 
 
$
9,214
  
$
9,435
  
$
-
  
$
5,653
  
$
71
 
With an allowance recorded:
                    
Residential 1st Mortgages
 
$
-
  
$
-
  
$
-
  
$
54
  
$
-
 
Home Equity Lines & Loans
  
194
   
237
   
173
   
182
   
4
 
Agricultural
  
2,006
   
2,019
   
996
   
997
   
1
 
Commercial
  
144
   
144
   
144
   
159
   
4
 
Consumer & Other
  
61
   
63
   
61
   
31
   
-
 
 
 
$
2,405
  
$
2,463
  
$
1,374
  
$
1,423
  
$
9
 
Total
 
$
11,619
  
$
11,898
  
$
1,374
  
$
7,076
  
$
80
 

 
 
  
  
  
Three Months Ended June 30, 2012
  
Six Months Ended June 30, 2012
 
 
 
  
Unpaid
  
  
Average
  
Interest
  
Average
  
Interest
 
 
 
Recorded
  
Principal
  
Related
  
Recorded
  
Income
  
Recorded
  
Income
 
June 30, 2012
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
  
Investment
  
Recognized
 
With no related allowance recorded:
 
  
  
  
  
  
  
 
Commercial Real Estate
 
$
298
  
$
299
  
$
-
  
$
720
  
$
6
  
$
1,035
  
$
9
 
Agricultural Real Estate
  
1,514
   
1,777
   
-
   
1,224
   
-
   
1,085
   
-
 
Residential 1st Mortgages
  
387
   
416
   
-
   
340
   
-
   
549
   
-
 
Home Equity Lines & Loans
  
750
   
821
   
-
   
762
   
7
   
704
   
11
 
Agricultural
  
288
   
288
   
-
   
299
   
6
   
293
   
10
 
Commercial
  
118
   
118
   
-
   
179
   
2
   
197
   
2
 
 
 
$
3,355
  
$
3,719
  
$
-
  
$
3,524
  
$
21
  
$
3,863
  
$
32
 
With an allowance recorded:
                            
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
-
  
$
-
  
$
755
  
$
-
 
Residential 1st Mortgages
  
108
   
109
   
51
   
108
   
-
   
81
   
-
 
Home Equity Lines & Loans
  
78
   
82
   
60
   
133
   
1
   
142
   
2
 
Agricultural
  
587
   
1,566
   
586
   
717
   
-
   
840
   
-
 
Commercial
  
245
   
252
   
197
   
173
   
-
   
138
   
-
 
Consumer & Other
  
21
   
22
   
21
   
22
   
-
   
23
   
-
 
 
 
$
1,039
  
$
2,031
  
$
915
  
$
1,153
  
$
1
  
$
1,979
  
$
2
 
Total
 
$
4,394
  
$
5,750
  
$
915
  
$
4,677
  
$
22
  
$
5,842
  
$
34
 
Loans by class modified as troubled debt restructured loans
The following table presents loans by class, modified as troubled debt restructured loans & leases for the three and six-month periods ended June 30, 2013 (in thousands):

 
 
Three Months Ended June 30, 2013
  
Six Months Ended June 30, 2013
 
Troubled Debt Restructurings
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
  
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Residential 1st Mortgages
  
-
  
$
-
  
$
-
   
4
  
$
306
  
$
290
 
Home Equity Lines & Loans
  
1
   
180
   
169
   
2
   
195
   
184
 
Commercial
  
-
   
-
   
-
   
2
   
292
   
292
 
Total
  
1
  
$
180
  
$
169
   
8
  
$
793
  
$
766
 

The following table presents loans by class modified as troubled debt restructured loans during the twelve-month period ended December 31, 2012 (in thousands):

 
 
December 31, 2012
 
Troubled Debt Restructurings
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Commercial Real Estate
  
1
  
$
116
  
$
116
 
Residential 1st Mortgages
  
2
   
216
   
201
 
Home Equity Lines & Loans
  
7
   
529
   
480
 
Agricultural
  
4
   
858
   
858
 
Commercial
  
3
   
273
   
273
 
Consumer & Other
  
1
   
41
   
41
 
Total
  
18
  
$
2,033
  
$
1,969
 

The following table presents loans by class modified as troubled debt restructured loans for the three and six-month periods ended June 30, 2012 (in thousands):

 
 
Three Months Ended June 30, 2012
  
Six Months Ended June 30, 2012
 
Troubled Debt Restructurings
 
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
  
Number of Loans
  
Pre-Modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
Commercial Real Estate
  
-
  
$
-
  
$
-
  
$
1
  
$
116
  
$
116
 
Residential 1st Mortgages
  
1
   
30
   
29
   
4
   
146
   
139
 
Home Equity Lines & Loans
  
2
   
294
   
258
   
3
   
368
   
326
 
Agricultural
  
-
   
-
   
-
   
1
   
180
   
180
 
Commercial
  
1
   
147
   
147
   
3
   
273
   
273
 
Total
  
4
  
$
471
  
$
434
  
$
12
  
$
1,083
  
$
1,034