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Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 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):

September 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
  
(6
)
  
(575
)
  
-
   
(16
)
  
(23
)
  
(23
)
  
(4
)
  
(93
)
  
-
   
-
   
(740
)
Recoveries
  
-
   
-
   
-
   
-
   
30
   
36
   
281
   
37
   
-
   
-
   
384
 
Provision
  
(382
)
  
911
   
(48
)
  
(130
)
  
(492
)
  
(1,190
)
  
1,551
   
42
   
-
   
(12
)
  
250
 
Ending Balance- September 30, 2013
 
$
6,076
  
$
3,213
  
$
938
  
$
1,073
  
$
2,750
  
$
9,260
  
$
9,791
  
$
168
  
$
-
  
$
842
  
$
34,111
 
Third Quarter Allowance for Credit Losses:
                                     
Beginning Balance- July 1, 2013
 
$
5,732
  
$
3,481
  
$
977
  
$
1,037
  
$
2,984
  
$
10,557
  
$
9,075
  
$
168
  
$
-
  
$
224
  
$
34,235
 
Charge-Offs
  
(6
)
  
(175
)
  
-
   
-
   
(1
)
  
-
   
-
   
(29
)
  
-
   
-
   
(211
)
Recoveries
  
-
   
-
   
-
   
-
   
10
   
16
   
45
   
16
   
-
   
-
   
87
 
Provision
  
350
   
(93
)
  
(39
)
  
36
   
(243
)
  
(1,313
)
  
671
   
13
   
-
   
618
   
-
 
Ending Balance- September 30, 2013
 
$
6,076
  
$
3,213
  
$
938
  
$
1,073
  
$
2,750
  
$
9,260
  
$
9,791
  
$
168
  
$
-
  
$
842
  
$
34,111
 
Ending Balance Individually Evaluated for Impairment
  
-
   
-
   
-
   
50
   
132
   
122
   
1,856
   
53
   
-
   
-
   
2,213
 
Ending Balance Collectively Evaluated for Impairment
  
6,076
   
3,213
   
938
   
1,023
   
2,618
   
9,138
   
7,935
   
115
   
-
   
842
   
31,898
 
Loans:
                                            
Ending Balance
 
$
401,626
  
$
311,401
  
$
27,099
  
$
143,577
  
$
37,160
  
$
221,569
  
$
145,793
  
$
5,063
  
$
4,523
  
$
-
  
$
1,297,811
 
Ending Balance Individually Evaluated for Impairment
  
278
   
849
   
-
   
781
   
529
   
586
   
2,169
   
53
   
-
   
-
   
5,245
 
Ending Balance Collectively Evaluated for Impairment
  
401,348
   
310,552
   
27,099
   
142,796
   
36,631
   
220,983
   
143,624
   
5,010
   
4,523
   
-
   
1,292,566
 
 
                                            
 
                                            
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
 
 
 
September 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 Loan 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
  
-
   
-
   
-
   
(81
)
  
(138
)
  
(240
)
  
(198
)
  
(122
)
  
-
   
-
   
(779
)
Recoveries
  
-
   
89
   
-
   
16
   
12
   
61
   
41
   
47
   
-
   
-
   
266
 
Provision
  
(1,490
)
  
990
   
(72
)
  
356
   
(105
)
  
311
   
1,084
   
12
   
-
   
14
   
1,100
 
Ending Balance- September 30, 2012
 
$
4,333
  
$
3,662
  
$
1,861
  
$
1,542
  
$
3,515
  
$
8,259
  
$
9,660
  
$
144
      
$
628
  
$
33,604
 
 
                                            
Third Quarter Allowance for Loan Losses:
                                     
Beginning Balance- July 1, 2012
 
$
4,377
  
$
2,633
  
$
1,900
  
$
1,451
  
$
3,514
  
$
7,834
  
$
9,538
  
$
140
  
$
-
  
$
1,711
  
$
33,098
 
Charge-Offs
  
-
   
-
   
-
   
(80
)
  
(22
)
  
-
   
-
   
(34
)
  
-
   
-
   
(136
)
Recoveries
  
-
   
-
   
-
   
16
   
2
   
-
   
9
   
15
   
-
   
-
   
42
 
Provision
  
(44
)
  
1,029
   
(39
)
  
155
   
21
   
425
   
113
   
23
   
-
   
(1,083
)
  
600
 
Ending Balance- September 30, 2012
 
$
4,333
  
$
3,662
  
$
1,861
  
$
1,542
  
$
3,515
  
$
8,259
  
$
9,660
  
$
144
  
$
-
  
$
628
  
$
33,604
 
Ending Balance Individually Evaluated for Impairment
  
-
   
-
   
-
   
-
   
248
   
548
   
146
   
20
   
-
   
-
   
962
 
Ending Balance Collectively Evaluated for Impairment
  
4,333
   
3,662
   
1,861
   
1,542
   
3,267
   
7,711
   
9,514
   
124
   
-
   
628
   
32,642
 
Loans:
                                            
Ending Balance
 
$
335,664
  
$
293,864
  
$
32,701
  
$
137,464
  
$
43,990
  
$
193,053
  
$
167,777
  
$
5,514
  
$
-
  
$
-
  
$
1,210,027
 
Ending Balance Individually Evaluated for Impairment
  
295
   
2,551
   
-
   
493
   
1,048
   
2,652
   
257
   
20
   
-
   
-
   
7,316
 
Ending Balance Collectively Evaluated for Impairment
  
335,369
   
291,313
   
32,701
   
136,971
   
42,942
   
190,401
   
167,520
   
5,494
   
-
   
-
   
1,202,711
 
 
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):

September 30, 2013
 
Pass
  
Special
Mention
  
Substandard
  
Total Loans
 
Loans:
 
  
  
  
 
Commercial Real Estate
 
$
389,137
  
$
7,765
  
$
4,724
  
$
401,626
 
Agricultural Real Estate
  
307,736
   
2,497
   
1,168
   
311,401
 
Real Estate Construction
  
25,467
   
1,632
   
-
   
27,099
 
Residential 1st Mortgages
  
142,036
   
780
   
761
   
143,577
 
Home Equity Lines & Loans
  
36,090
   
-
   
1,070
   
37,160
 
Agricultural
  
220,504
   
464
   
601
   
221,569
 
Commercial
  
135,303
   
8,958
   
1,532
   
145,793
 
Consumer & Other
  
4,761
   
-
   
302
   
5,063
 
Leases
  
4,523
   
-
   
-
   
4,523
 
Total
 
$
1,265,557
  
$
22,096
  
$
10,158
  
$
1,297,811
 
 
                
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
 
 
                
September 30, 2012
 
Pass
  
Special
Mention
  
Substandard
  
Total Loans
 
Loans:
                
Commercial Real Estate
 
$
313,441
  
$
15,910
  
$
6,313
  
$
335,664
 
Agricultural Real Estate
  
273,823
   
9,887
   
10,154
   
293,864
 
Real Estate Construction
  
24,856
   
3,217
   
4,628
   
32,701
 
Residential 1st Mortgages
  
135,473
   
1,211
   
780
   
137,464
 
Home Equity Lines & Loans
  
41,975
   
-
   
2,015
   
43,990
 
Agricultural
  
186,398
   
2,300
   
4,355
   
193,053
 
Commercial
  
161,685
   
5,634
   
458
   
167,777
 
Consumer & Other
  
5,195
   
-
   
319
   
5,514
 
Total
 
$
1,142,846
  
$
38,159
  
$
29,022
  
$
1,210,027
 
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 or More and
  
  
Total Past
  
  
Total
 
September 30, 2013
 
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans:
 
  
  
  
  
  
 
Commercial Real Estate
 
$
592
  
$
-
  
$
176
  
$
768
  
$
400,858
  
$
401,626
 
Agricultural Real Estate
  
-
   
-
   
849
   
849
   
310,552
   
311,401
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
27,099
   
27,099
 
Residential 1st Mortgages
  
-
   
-
   
455
   
455
   
143,122
   
143,577
 
Home Equity Lines & Loans
  
121
   
-
   
243
   
364
   
36,796
   
37,160
 
Agricultural
  
-
   
-
   
99
   
99
   
221,470
   
221,569
 
Commercial
  
-
   
-
   
1,944
   
1,944
   
143,849
   
145,793
 
Consumer & Other
  
108
   
-
   
17
   
125
   
4,938
   
5,063
 
Leases
  
-
   
-
   
-
   
-
   
4,523
   
4,523
 
Total
 
$
821
  
$
-
  
$
3,783
  
$
4,604
  
$
1,293,207
  
$
1,297,811
 
 
                        
 
 
30-89 Days
  
90 Days or More 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 and
      
Total Past
      
Total
 
September 30, 2012
 
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans:
                        
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
-
  
$
335,664
  
$
335,664
 
Agricultural Real Estate
  
-
   
-
   
2,551
   
2,551
   
291,313
   
293,864
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
32,701
   
32,701
 
Residential 1st Mortgages
  
-
   
-
   
279
   
279
   
137,185
   
137,464
 
Home Equity Lines & Loans
  
101
   
-
   
528
   
629
   
43,361
   
43,990
 
Agricultural
  
-
   
-
   
2,374
   
2,374
   
190,679
   
193,053
 
Commercial
  
-
   
-
   
-
   
-
   
167,777
   
167,777
 
Consumer & Other
  
56
   
-
   
20
   
76
   
5,438
   
5,514
 
Total
 
$
157
  
$
-
  
$
5,752
  
$
5,909
  
$
1,204,118
  
$
1,210,027
 
 
Impaired loans
The following tables show information related to impaired loans & leases for the periods indicated (in thousands):

 
 
  
  
  
Three Months Ended Sept. 30, 2013
  
Nine Months Ended Sept. 30, 2013
 
 
 
  
Unpaid
  
  
Average
  
Interest
  
Average
  
Interest
 
 
 
Recorded
  
Principal
  
Related
  
Recorded
  
Income
  
Recorded
  
Income
 
September 30, 2013
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
  
Investment
  
Recognized
 
With no related allowance recorded:
 
  
  
  
  
  
  
 
Commercial Real Estate
 
$
279
  
$
299
  
$
-
  
$
1,626
  
$
2
  
$
953
  
$
6
 
Agricultural Real Estate
  
850
   
1,173
   
-
   
2,616
   
-
   
3,777
   
-
 
Residential 1st Mortgages
  
535
   
588
   
-
   
533
   
4
   
643
   
11
 
Home Equity Lines & Loans
  
287
   
306
   
-
   
331
   
3
   
379
   
5
 
Agricultural
  
99
   
121
   
-
   
278
   
-
   
1,239
   
-
 
Commercial
  
85
   
85
   
-
   
89
   
2
   
99
   
6
 
 
 
$
2,135
  
$
2,572
  
$
-
  
$
5,473
  
$
11
  
$
7,090
  
$
28
 
With an allowance recorded:
                            
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
4
  
$
-
  
$
2
  
$
-
 
Agricultural Real Estate
  
-
   
-
   
-
   
725
   
-
   
1,221
   
-
 
Residential 1st Mortgages
  
246
   
246
   
50
   
123
   
-
   
27
   
-
 
Home Equity Lines & Loans
  
243
   
290
   
132
   
243
   
-
   
195
   
-
 
Agricultural
  
488
   
488
   
122
   
766
   
8
   
1,562
   
24
 
Commercial
  
2,084
   
2,095
   
1,856
   
1,251
   
2
   
436
   
6
 
Consumer & Other
  
53
   
56
   
53
   
55
   
1
   
185
   
3
 
 
 
$
3,114
  
$
3,175
  
$
2,213
  
$
3,167
  
$
11
  
$
3,628
  
$
33
 
Total
 
$
5,249
  
$
5,747
  
$
2,213
  
$
8,640
  
$
22
  
$
10,718
  
$
61
 
 
 
   
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 Sept. 30, 2012
  
Nine Months Ended Sept. 30, 2012
 
 
     
Unpaid
      
Average
  
Interest
  
Average
  
Interest
 
 
 
Recorded
  
Principal
  
Related
  
Recorded
  
Income
  
Recorded
  
Income
 
September 30, 2012
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
  
Investment
  
Recognized
 
With no related allowance recorded:
                            
Commercial Real Estate
 
$
295
  
$
295
  
$
-
  
$
297
  
$
6
  
$
789
  
$
15
 
Agricultural Real Estate
  
2,558
   
2,551
   
-
   
2,036
   
-
   
1,402
   
-
 
Residential 1st Mortgages
  
494
   
521
   
-
   
438
   
-
   
512
   
-
 
Home Equity Lines & Loans
  
785
   
862
   
-
   
743
   
6
   
717
   
17
 
Agricultural
  
2,106
   
2,111
   
-
   
1,197
   
5
   
594
   
15
 
Commercial
  
111
   
111
   
-
   
115
   
2
   
169
   
4
 
 
 
$
6,349
  
$
6,451
  
$
-
  
$
4,826
  
$
19
  
$
4,183
  
$
51
 
With an allowance recorded:
                            
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
-
  
$
-
  
$
503
  
$
-
 
Residential 1st Mortgages
  
-
   
-
   
-
   
54
   
-
   
72
   
-
 
Home Equity Lines & Loans
  
269
   
314
   
248
   
174
   
1
   
152
   
3
 
Agricultural
  
547
   
1,551
   
548
   
567
   
-
   
749
   
-
 
Commercial
  
146
   
146
   
146
   
196
   
2
   
157
   
2
 
Consumer & Other
  
20
   
22
   
20
   
21
   
-
   
22
   
-
 
 
 
$
982
  
$
2,033
  
$
962
  
$
1,012
  
$
3
  
$
1,655
  
$
5
 
Total
 
$
7,331
  
$
8,484
  
$
962
  
$
5,838
  
$
22
  
$
5,838
  
$
56
 
 
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 nine-month periods ended September 30, 2013 (in thousands):

 
 
Three Months Ended September 30, 2013
  
Nine Months Ended September 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
  
-
   
-
   
-
   
2
   
195
   
184
 
Commercial
  
-
   
-
   
-
   
2
   
292
   
292
 
Total
  
-
  
$
-
  
$
-
   
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 nine-month periods ended September 30, 2012 (in thousands):

 
 
Three Months Ended September 30, 2012
  
Nine Months Ended September 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
   
185
   
173
   
5
   
331
   
312
 
Home Equity Lines & Loans
  
1
   
46
   
43
   
4
   
414
   
369
 
Agricultural
  
2
   
175
   
175
   
3
   
355
   
355
 
Commercial
  
-
   
-
   
-
   
3
   
273
   
273
 
Total
  
4
  
$
406
  
$
391
   
16
  
$
1,489
  
$
1,425