XML 83 R62.htm IDEA: XBRL DOCUMENT v3.10.0.1
LOANS, ALLOWANCE FOR LOAN LOSSES, AND CREDIT QUALITY - Summary of changes in ALLL by portfolio segment for periods - Allowance for Loan Losses (Details) - USD ($)
$ in Thousands
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Financing Receivable, Allowance for Credit Losses      
Beginning balance $ 12,653 $ 11,820 $ 10,307
Provision for loan losses 1,600 2,325 1,800
Charge-offs (1,213) (1,604) (584)
Recoveries 113 112 297
Net charge-offs (1,100) (1,492) (287)
Ending balance $ 13,153 $ 12,653 11,820
As percent of ALLL 100.00% 100.00%  
ALLL:      
Individually evaluated $ 0 $ 163  
Collectively evaluated 13,153 12,490  
Loans:      
Individually evaluated 9,939 17,221  
Collectively evaluated 2,156,242 2,070,704  
Total loans 2,166,181 2,087,925  
Loans, net 2,153,028 2,075,272  
Owner-occupied commercial real estate (“CRE”)      
Loans:      
Total loans 441,353 430,043  
Retail & other      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 225 152  
Provision for loan losses 267 127  
Charge-offs (204) (69)  
Recoveries 16 15  
Net charge-offs (188) (54)  
Ending balance $ 304 $ 225 152
As percent of ALLL 2.30% 1.80%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 304 225  
Loans:      
Individually evaluated 12 12  
Collectively evaluated 26,481 22,803  
Total loans 26,493 22,815  
Loans, net 26,189 22,590  
Commercial Portfolio Segment | Commercial & industrial      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 4,934 3,919  
Provision for loan losses 1,107 2,419  
Charge-offs (813) (1,442)  
Recoveries 43 38  
Net charge-offs (770) (1,404)  
Ending balance $ 5,271 $ 4,934 3,919
As percent of ALLL 40.10% 39.00%  
ALLL:      
Individually evaluated $ 0 $ 163  
Collectively evaluated 5,271 4,771  
Loans:      
Individually evaluated 2,927 5,870  
Collectively evaluated 681,993 631,467  
Total loans 684,920 637,337  
Loans, net 679,649 632,403  
Commercial Portfolio Segment | Owner-occupied commercial real estate (“CRE”)      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 2,607 2,867  
Provision for loan losses 300 (290)  
Charge-offs (74) 0  
Recoveries 14 30  
Net charge-offs (60) 30  
Ending balance $ 2,847 $ 2,607 2,867
As percent of ALLL 21.60% 20.60%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 2,847 2,607  
Loans:      
Individually evaluated 1,506 1,689  
Collectively evaluated 439,847 428,354  
Total loans 441,353 430,043  
Loans, net 438,506 427,436  
Commercial Portfolio Segment | Agricultural (“AG”) production      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 129 150  
Provision for loan losses (8) (21)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 121 $ 129 150
As percent of ALLL 0.90% 1.00%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 121 129  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 35,625 35,455  
Total loans 35,625 35,455  
Loans, net 35,504 35,326  
Commercial Real Estate Portfolio Segment | AG real estate      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 296 285  
Provision for loan losses 5 11  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 301 $ 296 285
As percent of ALLL 2.30% 2.30%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 301 296  
Loans:      
Individually evaluated 222 248  
Collectively evaluated 53,222 51,530  
Total loans 53,444 51,778  
Loans, net 53,143 51,482  
Commercial Real Estate Portfolio Segment | CRE investment      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 1,388 1,124  
Provision for loan losses 119 263  
Charge-offs (37) 0  
Recoveries 0 1  
Net charge-offs (37) 1  
Ending balance $ 1,470 $ 1,388 1,124
As percent of ALLL 11.20% 11.00%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 1,470 1,388  
Loans:      
Individually evaluated 1,686 5,290  
Collectively evaluated 341,966 309,173  
Total loans 343,652 314,463  
Loans, net 342,182 313,075  
Commercial Real Estate Portfolio Segment | Construction & land development      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 726 774  
Provision for loan losses (216) (35)  
Charge-offs 0 (13)  
Recoveries 0 0  
Net charge-offs 0 (13)  
Ending balance $ 510 $ 726 774
As percent of ALLL 3.90% 5.70%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 510 726  
Loans:      
Individually evaluated 603 1,053  
Collectively evaluated 79,996 88,607  
Total loans 80,599 89,660  
Loans, net 80,089 88,934  
Residential | Residential first mortgage      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 1,609 1,784  
Provision for loan losses 117 (192)  
Charge-offs (85) (8)  
Recoveries 5 25  
Net charge-offs (80) 17  
Ending balance $ 1,646 $ 1,609 1,784
As percent of ALLL 12.50% 12.70%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 1,646 1,609  
Loans:      
Individually evaluated 2,750 2,801  
Collectively evaluated 355,091 360,551  
Total loans 357,841 363,352  
Loans, net 356,195 361,743  
Residential | Residential junior mortgage      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 488 461  
Provision for loan losses (51) 96  
Charge-offs 0 (72)  
Recoveries 35 3  
Net charge-offs 35 (69)  
Ending balance $ 472 $ 488 461
As percent of ALLL 3.60% 3.90%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 472 488  
Loans:      
Individually evaluated 233 178  
Collectively evaluated 111,095 105,849  
Total loans 111,328 106,027  
Loans, net 110,856 105,539  
Residential | Residential construction      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 251 304  
Provision for loan losses (40) (53)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 211 $ 251 304
As percent of ALLL 1.60% 2.00%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 211 251  
Loans:      
Individually evaluated 0 80  
Collectively evaluated 30,926 36,915  
Total loans 30,926 36,995  
Loans, net 30,715 36,744  
Originated      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 10,542 9,449  
Provision for loan losses 2,014 2,585  
Charge-offs (1,200) (1,537)  
Recoveries 92 45  
Net charge-offs (1,108) (1,492)  
Ending balance $ 11,448 $ 10,542 9,449
As percent of ALLL 100.00% 100.00%  
ALLL:      
Individually evaluated $ 0 $ 163  
Collectively evaluated 11,448 10,379  
Loans:      
Individually evaluated 548 3,003  
Collectively evaluated 1,484,617 1,240,699  
Total loans 1,485,165 1,243,702  
Loans, net 1,473,717 1,233,160  
Originated | Retail & other      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 200 132  
Provision for loan losses 266 122  
Charge-offs (201) (69)  
Recoveries 16 15  
Net charge-offs (185) (54)  
Ending balance $ 281 $ 200 132
As percent of ALLL 2.50% 1.80%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 281 200  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 23,809 18,254  
Total loans 23,809 18,254  
Loans, net 23,528 18,054  
Originated | Commercial Portfolio Segment | Commercial & industrial      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 4,192 3,150  
Provision for loan losses 1,262 2,429  
Charge-offs (813) (1,388)  
Recoveries 42 1  
Net charge-offs (771) (1,387)  
Ending balance $ 4,683 $ 4,192 3,150
As percent of ALLL 40.90% 39.80%  
ALLL:      
Individually evaluated $ 0 $ 163  
Collectively evaluated 4,683 4,029  
Loans:      
Individually evaluated 227 2,189  
Collectively evaluated 567,873 486,411  
Total loans 568,100 488,600  
Loans, net 563,417 484,408  
Originated | Commercial Portfolio Segment | Owner-occupied commercial real estate (“CRE”)      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 2,115 2,263  
Provision for loan losses 385 (172)  
Charge-offs (64) 0  
Recoveries 3 24  
Net charge-offs (61) 24  
Ending balance $ 2,439 $ 2,115 2,263
As percent of ALLL 21.30% 20.10%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 2,439 2,115  
Loans:      
Individually evaluated 321 0  
Collectively evaluated 283,210 237,548  
Total loans 283,531 237,548  
Loans, net 281,092 235,433  
Originated | Commercial Portfolio Segment | Agricultural (“AG”) production      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 112 122  
Provision for loan losses (2) (10)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 110 $ 112 122
As percent of ALLL 1.00% 1.10%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 110 112  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 11,113 11,102  
Total loans 11,113 11,102  
Loans, net 11,003 10,990  
Originated | Commercial Real Estate Portfolio Segment | AG real estate      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 235 222  
Provision for loan losses 20 13  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 255 $ 235 222
As percent of ALLL 2.20% 2.20%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 255 235  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 31,374 27,831  
Total loans 31,374 27,831  
Loans, net 31,119 27,596  
Originated | Commercial Real Estate Portfolio Segment | CRE investment      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 1,154 893  
Provision for loan losses 113 261  
Charge-offs (37) 0  
Recoveries 0 0  
Net charge-offs (37) 0  
Ending balance $ 1,230 $ 1,154 893
As percent of ALLL 10.70% 10.90%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 1,230 1,154  
Loans:      
Individually evaluated 0 549  
Collectively evaluated 171,087 113,313  
Total loans 171,087 113,862  
Loans, net 169,857 112,708  
Originated | Commercial Real Estate Portfolio Segment | Construction & land development      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 628 656  
Provision for loan losses (197) (28)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 431 $ 628 656
As percent of ALLL 3.80% 6.00%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 431 628  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 66,478 56,061  
Total loans 66,478 56,061  
Loans, net 66,047 55,433  
Originated | Residential | Residential first mortgage      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 1,297 1,372  
Provision for loan losses 187 (69)  
Charge-offs (85) (8)  
Recoveries 1 2  
Net charge-offs (84) (6)  
Ending balance $ 1,400 $ 1,297 1,372
As percent of ALLL 12.20% 12.30%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 1,400 1,297  
Loans:      
Individually evaluated 0 253  
Collectively evaluated 220,368 190,933  
Total loans 220,368 191,186  
Loans, net 218,968 189,889  
Originated | Residential | Residential junior mortgage      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 409 373  
Provision for loan losses (31) 105  
Charge-offs 0 (72)  
Recoveries 30 3  
Net charge-offs 30 (69)  
Ending balance $ 408 $ 409 373
As percent of ALLL 3.60% 3.90%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 408 409  
Loans:      
Individually evaluated 0 12  
Collectively evaluated 78,379 65,631  
Total loans 78,379 65,643  
Loans, net 77,971 65,234  
Originated | Residential | Residential construction      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 200 266  
Provision for loan losses 11 (66)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 211 $ 200 266
As percent of ALLL 1.80% 1.90%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 211 200  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 30,926 33,615  
Total loans 30,926 33,615  
Loans, net 30,715 33,415  
Acquired      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 2,111 2,371  
Provision for loan losses (414) (260)  
Charge-offs (13) (67)  
Recoveries 21 67  
Net charge-offs 8 0  
Ending balance $ 1,705 $ 2,111 2,371
As percent of ALLL 100.00% 100.00%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 1,705 2,111  
Loans:      
Individually evaluated 9,391 14,218  
Collectively evaluated 671,625 830,005  
Total loans 681,016 844,223  
Loans, net 679,311 842,112  
Acquired | Owner-occupied commercial real estate (“CRE”)      
Loans:      
Total loans   192,495  
Acquired | Retail & other      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 25 20  
Provision for loan losses 1 5  
Charge-offs (3) 0  
Recoveries 0 0  
Net charge-offs (3) 0  
Ending balance $ 23 $ 25 20
As percent of ALLL 1.40% 1.30%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 23 25  
Loans:      
Individually evaluated 12 12  
Collectively evaluated 2,672 4,549  
Total loans 2,684 4,561  
Loans, net 2,661 4,536  
Acquired | Commercial Portfolio Segment | Commercial & industrial      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 742 769  
Provision for loan losses (155) (10)  
Charge-offs 0 (54)  
Recoveries 1 37  
Net charge-offs 1 (17)  
Ending balance $ 588 $ 742 769
As percent of ALLL 34.50% 35.10%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 588 742  
Loans:      
Individually evaluated 2,700 3,681  
Collectively evaluated 114,120 145,056  
Total loans 116,820 148,737  
Loans, net 116,232 147,995  
Acquired | Commercial Portfolio Segment | Owner-occupied commercial real estate (“CRE”)      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 492 604  
Provision for loan losses (85) (118)  
Charge-offs (10) 0  
Recoveries 11 6  
Net charge-offs 1 6  
Ending balance $ 408 $ 492 604
As percent of ALLL 23.90% 23.30%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 408 492  
Loans:      
Individually evaluated 1,185 1,689  
Collectively evaluated 156,637 190,806  
Total loans 157,822 192,495  
Loans, net 157,414 192,003  
Acquired | Commercial Portfolio Segment | Agricultural (“AG”) production      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 17 28  
Provision for loan losses (6) (11)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 11 $ 17 28
As percent of ALLL 0.60% 0.80%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 11 17  
Loans:      
Individually evaluated 0 0  
Collectively evaluated 24,512 24,353  
Total loans 24,512 24,353  
Loans, net 24,501 24,336  
Acquired | Commercial Real Estate Portfolio Segment | AG real estate      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 61 63  
Provision for loan losses (15) (2)  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 46 $ 61 63
As percent of ALLL 2.70% 2.90%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 46 61  
Loans:      
Individually evaluated 222 248  
Collectively evaluated 21,848 23,699  
Total loans 22,070 23,947  
Loans, net 22,024 23,886  
Acquired | Commercial Real Estate Portfolio Segment | CRE investment      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 234 231  
Provision for loan losses 6 2  
Charge-offs 0 0  
Recoveries 0 1  
Net charge-offs 0 1  
Ending balance $ 240 $ 234 231
As percent of ALLL 14.10% 11.10%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 240 234  
Loans:      
Individually evaluated 1,686 4,741  
Collectively evaluated 170,879 195,860  
Total loans 172,565 200,601  
Loans, net 172,325 200,367  
Acquired | Commercial Real Estate Portfolio Segment | Construction & land development      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 98 118  
Provision for loan losses (19) (7)  
Charge-offs 0 (13)  
Recoveries 0 0  
Net charge-offs 0 (13)  
Ending balance $ 79 $ 98 118
As percent of ALLL 4.60% 4.60%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 79 98  
Loans:      
Individually evaluated 603 1,053  
Collectively evaluated 13,518 32,546  
Total loans 14,121 33,599  
Loans, net 14,042 33,501  
Acquired | Residential | Residential first mortgage      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 312 412  
Provision for loan losses (70) (123)  
Charge-offs 0 0  
Recoveries 4 23  
Net charge-offs 4 23  
Ending balance $ 246 $ 312 412
As percent of ALLL 14.40% 14.80%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 246 312  
Loans:      
Individually evaluated 2,750 2,548  
Collectively evaluated 134,723 169,618  
Total loans 137,473 172,166  
Loans, net 137,227 171,854  
Acquired | Residential | Residential junior mortgage      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 79 88  
Provision for loan losses (20) (9)  
Charge-offs 0 0  
Recoveries 5 0  
Net charge-offs 5 0  
Ending balance $ 64 $ 79 88
As percent of ALLL 3.80% 3.70%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 64 79  
Loans:      
Individually evaluated 233 166  
Collectively evaluated 32,716 40,218  
Total loans 32,949 40,384  
Loans, net 32,885 40,305  
Acquired | Residential | Residential construction      
Financing Receivable, Allowance for Credit Losses      
Beginning balance 51 38  
Provision for loan losses (51) 13  
Charge-offs 0 0  
Recoveries 0 0  
Net charge-offs 0 0  
Ending balance $ 0 $ 51 $ 38
As percent of ALLL 0.00% 2.40%  
ALLL:      
Individually evaluated $ 0 $ 0  
Collectively evaluated 0 51  
Loans:      
Individually evaluated 0 80  
Collectively evaluated 0 3,300  
Total loans 0 3,380  
Loans, net $ 0 $ 3,329