Credit Quality Indicators (Tables)

3 Months Ended

Mar. 31, 2015

Risk Category of Loans by Class of Loans

As of March 31, 2015 and December 31, 2014, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Doubtful		Not Rated		Total
March 31, 2015
Commercial real estate
Owner occupied	$	70,516	$	1,022	$	5,967	$	0	$	0	$	77,505
Non-owner occupied		121,781		487		2,661		0		0		124,929
Other		28,572		0		314		0		0		28,886
Commercial		118,227		1,519		2,677		0		0		122,423
Total	$	339,096	$	3,028	$	11,619	$	0	$	0	$	353,743

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Doubtful		Not Rated		Total
December 31, 2014
Commercial real estate
Owner occupied	$	66,036	$	2,534	$	6,061	$	0	$	0	$	74,631
Non-owner occupied		115,159		3,760		2,994		0		0		121,913
Other		25,710		0		319		0		0		26,029
Commercial		114,409		1,566		4,175		0		0		120,150
Total	$	321,314	$	7,860	$	13,549	$	0	$	0	$	342,723

Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity

The following table presents the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of March 31, 2015 and December 31, 2014. Nonperforming loans are loans past due 90 days or more and still accruing interest and nonaccrual loans.

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
March 31, 2015
Performing	$	150,388	$	32,062	$	121,379	$	8,856	$	3,547
Nonperforming		3,235		249		288		32		5
Total	$	153,623	$	32,311	$	121,667	$	8,888	$	3,552

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2014
Performing	$	149,661	$	31,076	$	124,296	$	9,035	$	3,625
Nonperforming		2,937		179		283		36		1
Total	$	152,598	$	31,255	$	124,579	$	9,071	$	3,626