Credit Quality Indicators (Tables)

9 Months Ended

Sep. 30, 2019

Risks And Uncertainties [Abstract]

Risk Category of Loans by Class of Loans

As of September 30, 2019 and December 31, 2018, 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		Total
September 30, 2019
Originated loans:
Commercial real estate
Owner occupied	$	164,545	$	1,974	$	1,271	$	167,790
Non-owner occupied		279,579		3,913		71		283,563
Farmland		129,504		2,726		847		133,077
Other		91,732		0		223		91,955
Commercial
Commercial and industrial		232,589		1,532		3,769		237,890
Agricultural		42,854		41		69		42,964
Total originated loans	$	940,803	$	10,186	$	6,250	$	957,239
Acquired loans:
Commercial real estate
Owner occupied	$	38,626	$	115	$	664	$	39,405
Non-owner occupied		11,503		55		103		11,661
Farmland		33,400		205		3,547		37,152
Other		6,374		0		546		6,920
Commercial
Commercial and industrial		12,510		0		843		13,353
Agricultural		5,761		259		211		6,231
Total acquired loans	$	108,174	$	634	$	5,914	$	114,722
Total loans	$	1,048,977	$	10,820	$	12,164	$	1,071,961

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
December 31, 2018
Originated loans:
Commercial real estate
Owner occupied	$	156,892	$	945	$	746	$	158,583
Non-owner occupied		251,240		4,139		101		255,480
Farmland		109,391		1,301		69		110,761
Other		92,669		1,325		248		94,242
Commercial
Commercial and industrial		219,938		4,207		2,456		226,601
Agricultural		37,158		81		482		37,721
Total originated loans	$	867,288	$	11,998	$	4,102	$	883,388
Acquired loans:
Commercial real estate
Owner occupied	$	43,763	$	430	$	746	$	44,939
Non-owner occupied		16,601		58		187		16,846
Farmland		36,565		668		3,749		40,982
Other		7,434		0		657		8,091
Commercial
Commercial and industrial		16,407		170		1,564		18,141
Agricultural		8,612		346		567		9,525
Total acquired loans	$	129,382	$	1,672	$	7,470	$	138,524
Total loans	$	996,670	$	13,670	$	11,572	$	1,021,912

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

The following tables present the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of September 30, 2019 and December 31, 2018.  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
September 30, 2019
Originated loans:
Performing	$	319,869	$	88,415	$	168,141	$	27,278	$	9,758
Nonperforming		1,408		724		687		184		3
Total originated loans	$	321,277	$	89,139	$	168,828	$	27,462	$	9,761
Acquired loans:
Performing	$	67,400	$	20,201	$	0	$	6,562	$	101
Nonperforming		998		252		0		183		0
Total acquired loans		68,398		20,453		0		6,745		101
Total loans	$	389,675	$	109,592	$	168,828	$	34,207	$	9,862

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2018
Originated loans:
Performing	$	304,519	$	82,035	$	169,091	$	30,237	$	11,892
Nonperforming		2,503		675		715		254		2
Total originated loans	$	307,022	$	82,710	$	169,806	$	30,491	$	11,894
Acquired loans:
Performing	$	77,661	$	23,400	$	0	$	9,304	$	162
Nonperforming		1,123		217		0		138		0
Total acquired loans		78,784		23,617		0		9,442		162
Total loans	$	385,806	$	106,327	$	169,806	$	39,933	$	12,056