Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2021

Risks And Uncertainties [Abstract]

Risk Category of Loans by Class of Loans

As of June 30, 2021 and December 31, 2020, 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
June 30, 2021
Originated loans:
Commercial real estate
Owner occupied	$	207,222	$	6,131	$	1,293	$	214,646
Non-owner occupied		296,976		11,114		7,182		315,272
Farmland		147,653		2,441		358		150,452
Other		73,493		0		148		73,641
Commercial
Commercial and industrial		323,897		2,374		7,748		334,019
Agricultural		45,378		306		233		45,917
Total originated loans	$	1,094,619	$	22,366	$	16,962	$	1,133,947
Acquired loans:
Commercial real estate
Owner occupied	$	41,819	$	76	$	988	$	42,883
Non-owner occupied		39,248		3,548		3,279		46,075
Farmland		21,765		100		1,036		22,901
Other		10,324		787		0		11,111
Commercial
Commercial and industrial		12,731		0		988		13,719
Agricultural		3,794		269		18		4,081
Total acquired loans	$	129,681	$	4,780	$	6,309	$	140,770
Total loans	$	1,224,300	$	27,146	$	23,271	$	1,274,717

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
December 31, 2020
Originated loans:
Commercial real estate
Owner occupied	$	208,289	$	5,121	$	1,385	$	214,795
Non-owner occupied		290,773		11,240		7,203		309,216
Farmland		153,225		2,464		364		156,053
Other		77,432		387		167		77,986
Commercial
Commercial and industrial		372,083		1,522		8,740		382,345
Agricultural		44,527		320		213		45,060
Total originated loans	$	1,146,329	$	21,054	$	18,072	$	1,185,455
Acquired loans:
Commercial real estate
Owner occupied	$	44,031	$	87	$	981	$	45,099
Non-owner occupied		50,053		49		2,752		52,854
Farmland		24,637		100		1,342		26,079
Other		12,868		0		0		12,868
Commercial
Commercial and industrial		16,246		0		2,412		18,658
Agricultural		4,481		303		65		4,849
Total acquired loans	$	152,316	$	539	$	7,552	$	160,407
Total loans	$	1,298,645	$	21,593	$	25,624	$	1,345,862

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 June 30, 2021 and December 31, 2020.  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
June 30, 2021
Originated loans:
Performing	$	307,496	$	91,209	$	161,807	$	20,079	$	9,161
Nonperforming		1,037		642		488		215		9
Total originated loans	$	308,533	$	91,851	$	162,295	$	20,294	$	9,170
Acquired loans:
Performing	$	69,967	$	15,140	$	0	$	3,816	$	84
Nonperforming		3,785		172		0		41		0
Total acquired loans		73,752		15,312		0		3,857		84
Total loans	$	382,285	$	107,163	$	162,295	$	24,151	$	9,254

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2020
Originated loans:
Performing	$	322,771	$	92,376	$	169,576	$	23,193	$	9,862
Nonperforming		1,089		603		712		268		6
Total originated loans	$	323,860	$	92,979	$	170,288	$	23,461	$	9,868
Acquired loans:
Performing	$	83,520	$	17,198	$	0	$	5,064	$	97
Nonperforming		5,597		186		0		64		0
Total acquired loans		89,117		17,384		0		5,128		97
Total loans	$	412,977	$	110,363	$	170,288	$	28,589	$	9,965

Risk Categories and Year of Origination

The following table presents total loans by risk categories and year of origination.

	Term Loans Amortized Cost Basis by Origination Year
As of June 30, 2021	2021		2020		2019		2018		2017		Prior		Revolving Loans		Total
Commercial real estate
Risk Rating
Pass	$	44,016	$	109,865	$	131,303	$	111,490	$	67,731	$	189,115	$	15,562	$	669,082
Special mention		787		0		9,137		1,578		2,915		6,335		904		21,656
Substandard		0		342		2,282		507		91		9,545		123		12,890
Total commercial real estate loans	$	44,803	$	110,207	$	142,722	$	113,575	$	70,737	$	204,995	$	16,589	$	703,628
Commercial
Risk Rating
Pass	$	103,444	$	82,622	$	29,494	$	33,455	$	13,567	$	20,619	$	53,427	$	336,628
Special mention		230		310		0		784		0		24		1,026		2,374
Substandard		127		1,917		354		281		843		821		4,393		8,736
Total commercial loans	$	103,801	$	84,849	$	29,848	$	34,520	$	14,410	$	21,464	$	58,846	$	347,738
Agricultural
Risk Rating
Pass	$	17,761	$	50,821	$	32,365	$	36,391	$	21,178	$	42,242	$	17,832	$	218,590
Special mention		0		243		35		0		2,089		381		368		3,116
Substandard		358		23		233		0		0		1,001		30		1,645
Total agricultural loans	$	18,119	$	51,087	$	32,633	$	36,391	$	23,267	$	43,624	$	18,230	$	223,351
Residential real estate
Risk Rating
Pass	$	29,256	$	83,969	$	42,170	$	33,095	$	41,742	$	137,954	$	2,772	$	370,958
Special mention		0		0		0		0		0		0		0		0
Substandard		52		0		71		85		946		10,173		0		11,327
Total residential real estate loans	$	29,308	$	83,969	$	42,241	$	33,180	$	42,688	$	148,127	$	2,772	$	382,285
Home equity lines of credit
Risk Rating
Pass	$	0	$	0	$	0	$	0	$	101	$	1,206	$	104,045	$	105,352
Special mention		0		0		0		0		0		0		48		48
Substandard		0		0		0		75		79		1,435		174		1,763
Total home equity lines of credit	$	0	$	0	$	0	$	75	$	180	$	2,641	$	104,267	$	107,163
Consumer
Risk Rating
Pass	$	28,778	$	55,190	$	43,937	$	27,474	$	13,468	$	19,367	$	6,040	$	194,254
Special mention		0		0		0		0		0		0		0		0
Substandard		0		80		243		289		223		611		0		1,446
Total consumer loans	$	28,778	$	55,270	$	44,180	$	27,763	$	13,691	$	19,978	$	6,040	$	195,700