Allowance for Credit Losses

9 Months Ended

Sep. 30, 2022

Allowance for Credit Losses

Allowance for Loan Losses

2.    Allowance for Credit Losses

The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended September 30.

Allowance for Credit Losses:			September 30, 2022
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	16,469	$	14,168	$	10,584	$	247	$	41,468
Provision for credit losses		(1,403)		297		2,199		(43)		1,050
Loans charged-off		(2,406)		(57)		(3,190)		—		(5,653)
Recoveries		634		55		1,941		—		2,630
Ending Balance	$	13,294	$	14,463	$	11,534	$	204	$	39,495

Allowance for Credit Losses:			September 30, 2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	15,693	$	17,837	$	10,988	$	214	$	44,732
Provision for credit losses		(531)		(1,387)		173		245		(1,500)
Loans charged-off		(313)		(61)		(1,240)		—		(1,614)
Recoveries		182		130		1,032		—		1,344
Ending Balance	$	15,031	$	16,519	$	10,953	$	459	$	42,962

The following table presents the activity of the allowance for credit losses by portfolio segment for the nine months ended September 30.

Allowance for Credit Losses:			September 30, 2022
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	18,883	$	18,316	$	10,721	$	385	$	48,305
Provision for credit losses		(3,835)		(3,952)		3,218		(181)		(4,750)
Loans charged -off		(3,659)		(579)		(7,080)		—		(11,318)
Recoveries		1,905		678		4,675		—		7,258

Ending Balance $ 13,294 $ 14,463 $ 11,534 $ 204 $ 39,495

Allowance for Credit Losses:			September 30, 2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	16,901	$	19,142	$	11,009	$	—	$	47,052
Provision for credit losses		(2,067)		(2,577)		941		459		(3,244)
Loans charged -off		(612)		(492)		(3,999)		—		(5,103)
Recoveries		809		446		3,002		—		4,257
Ending Balance	$	15,031	$	16,519	$	10,953	$	459	$	42,962

The tables below present the recorded investment in non-performing loans by class of loans.

	September 30, 2022
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days Still				Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	242	$	1,647	$	322
Farmland		—		287		272
Non Farm, Non Residential		—		2,456		2,443
Agriculture		—		393		361
All Other Commercial		15		28		—
Residential
First Liens		480		1,599		—
Home Equity		—		140		—
Junior Liens		95		263		—
Multifamily		—		204		—
All Other Residential		—		108		—
Consumer
Motor Vehicle		402		1,492		—
All Other Consumer		1		530		—
TOTAL	$	1,235	$	9,147	$	3,398

	December 31, 2021
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days Still				Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	14	$	1,950	$	1,662
Farmland		—		15		—
Non Farm, Non Residential		—		2,911		2,898
Agriculture		—		111		—
All Other Commercial		—		4		—
Residential
First Liens		346		2,339		33
Home Equity		—		84		—
Junior Liens		89		294		—
Multifamily		—		225		—
All Other Residential		—		107		—
Consumer
Motor Vehicle		94		864		—
All Other Consumer		—		686		—
TOTAL	$	543	$	9,590	$	4,593

The following tables present the amortized cost basis of collateral dependent loans by class of loans:

	September 30, 2022
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	5,656	$	142
Farmland		3,561		—
Non Farm, Non Residential		5,555		—
Agriculture		—		361
All Other Commercial		—		—
Residential
First Liens		—		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		—		—
All Other Residential		906		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	15,678	$	503

	December 31, 2021
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	17,734	$	720
Farmland		3,669		—
Non Farm, Non Residential		6,135		—
Agriculture		—		—
All Other Commercial		—		—
Residential
First Liens		33		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		935		—
All Other Residential		—		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	28,506	$	720

The following tables presents the aging of the recorded investment in loans by past due category and class of loans.

	September 30, 2022
					90 Days
	30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	2,437	$	217	$	1,267	$	3,921	$	677,656	$	681,577
Farmland		—		—		272		272		128,175		128,447
Non Farm, Non Residential		312		80		—		392		359,662		360,054
Agriculture		—		—		—		—		120,903		120,903
All Other Commercial		301		—		30		331		434,394		434,725
Residential
First Liens		935		1,056		1,038		3,029		329,304		332,333
Home Equity		616		40		102		758		63,834		64,592
Junior Liens		257		29		241		527		56,214		56,741
Multifamily		467		99		—		566		193,728		194,294
All Other Residential		—		38		—		38		30,169		30,207
Consumer
Motor Vehicle		10,129		2,088		853		13,070		525,363		538,433
All Other Consumer		273		56		3		332		33,713		34,045
TOTAL	$	15,727	$	3,703	$	3,806	$	23,236	$	2,953,115	$	2,976,351

	December 31, 2021
					90 Days
	30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	1,132	$	388	$	1,614	$	3,134	$	693,949	$	697,083
Farmland		57		—		—		57		141,189		141,246
Non Farm, Non Residential		62		—		—		62		361,174		361,236
Agriculture		90		42		89		221		141,682		141,903
All Other Commercial		390		—		—		390		340,076		340,466
Residential
First Liens		4,686		680		949		6,315		336,064		342,379
Home Equity		131		24		58		213		62,085		62,298
Junior Liens		179		120		283		582		50,048		50,630
Multifamily		342		146		—		488		178,849		179,337
All Other Residential		284		291		—		575		30,843		31,418
Consumer
Motor Vehicle		7,633		1,105		486		9,224		433,095		442,319
All Other Consumer		192		37		—		229		33,425		33,654
TOTAL	$	15,178	$	2,833	$	3,479	$	21,490	$	2,802,479	$	2,823,969

During the three and nine months ended September 30, 2022 and 2021, the terms of certain loans were modified as troubled debt restructurings (TDRs). The following tables present the activity for TDRs.

	2022
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
July 1,	$	672	$	3,474	$	—	$	4,146
Added/(Disposed)		—		—		—		—
Charged Off		—		—		—		—
Payments		(19)		(180)		—		(199)
September 30,	$	653	$	3,294	$	—	$	3,947

	2022
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
January 1,	$	407	$	3,686	$	706	$	4,799
Added/(Disposed)		305		128		(611)		(178)
Charged Off		—		—		—		—
Payments		(59)		(520)		(95)		(674)
September 30,	$	653	$	3,294	$	—	$	3,947

	2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
July 1,		—		3,904		556		4,460
Added		—		—		172		172
Charged Off		—		—		—		—
Payments		—		(91)		(52)		(143)
September 30,		—		3,813		676		4,489

	2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
January 1,		—		3,589		617		4,206
Added		—		491		294		785
Charged Off		—		(27)		(75)		(102)
Payments		—		(240)		(160)		(400)
September 30,		—		3,813		676		4,489

Modification of the terms of such loans typically include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan. No modification in 2022 or 2021 resulted in the permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from twelve months to five years. Modifications involving an extension of the maturity date were for periods ranging from twelve months to ten years. Troubled debt restructurings during the three months ended September 30, 2022 and 2021 did not result in any material charge-offs or additional provision expense.

The Corporation has no allocations of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of September 30, 2022 and 2021. The Corporation has not committed to lend additional amounts as of September 30, 2022 and 2021 to customers with outstanding loans that are classified as troubled debt restructurings. None of the charge-offs during the three and nine months ended September 30, 2022 and 2021 were of restructurings that had occurred in the previous 12 months.

The CARES Act included a provision that permitted a financial institution to elect to suspend temporarily troubled debt restructuring accounting under ASC Subtopic 310-40 in certain circumstances (“section 4013”). To be eligible under section 4013, a loan modification must have been (1) related to COVID-19; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (A) 60 days after the date of termination of the National Emergency or (B) December 31, 2020. In response to this section of the CARES Act, the federal banking agencies issued a revised interagency statement on April 7, 2020 that, in consultation with the Financial Accounting Standards Board, confirmed that for loans not subject to section 4013, short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief were not troubled debt restructurings under ASC Subtopic 310-40. This included short-term (e.g., up to six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that were insignificant. Borrowers considered current were those that were less than 30 days past due on their contractual payments at the time a modification program was implemented. From the inception of the CARES Act through December 31, 2021, 1,242 loans totaling $172 million were modified, related to COVID-19, that were not considered troubled debt restructurings. 1,076 loans totaling $168 million have resumed normal scheduled payments. 113 remaining loans are still under a debt relief plan, which include no commercial loans that have been provided additional payment relief since the initial payment relief plan.

Credit Quality Indicators:

The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $100 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings:

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and debt service capacity of the borrower or of any pledged collateral. These loans have a well-defined weakness or weaknesses which have clearly jeopardized repayment of principal and interest as originally intended. They are characterized by the distinct possibility that the institution will sustain some future loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those graded substandard, with the added characteristic that the severity of the weaknesses makes collection or liquidation in full highly questionable or improbable based upon currently existing facts, conditions, and values.

Furthermore, non-homogeneous loans which were not individually analyzed, but are 90+ days past due or on non-accrual are classified as substandard. Loans included in homogeneous pools, such as residential or consumer may be classified as substandard due to 90+ days delinquency, non-accrual status, bankruptcy, or loan restructuring.

The following tables present the commercial loan portfolio by risk category:

		September 30, 2022
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2022		2021		2020		2019		2018		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	118,289	$	143,777	$	57,461	$	63,594	$	28,655	$	110,184	$	106,028	$	627,988
	Special Mention		1,635		2,954		413		611		3,516		4,065		288	$	13,482
	Substandard		718		752		2,621		1,228		2,096		6,573		11,148	$	25,136
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		9,694		1,588		913		560		211		112		—	$	13,078
	Subtotal	$	130,336	$	149,071	$	61,408	$	65,993	$	34,478	$	120,934	$	117,464	$	679,684
Farmland	Pass	$	13,583	$	23,014	$	9,382	$	10,191	$	10,752	$	50,206	$	267	$	117,395
	Special Mention		—		—		1,164		882		—		3,796		—	$	5,842
	Substandard		—		—		461		272		55		2,332		—	$	3,120
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		20		—	$	20
	Subtotal	$	13,583	$	23,014	$	11,007	$	11,345	$	10,807	$	56,354	$	267	$	126,377
Non Farm, Non Residential	Pass	$	70,604	$	76,794	$	35,195	$	19,915	$	31,852	$	114,737	$	1,757	$	350,854
	Special Mention		—		—		—		931		—		370		—	$	1,301
	Substandard		—		—		—		521		—		6,436		—	$	6,957
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		286		—	$	286
	Subtotal	$	70,604	$	76,794	$	35,195	$	21,367	$	31,852	$	121,829	$	1,757	$	359,398
Agriculture	Pass	$	7,934	$	9,730	$	8,381	$	8,855	$	1,987	$	19,173	$	56,124	$	112,184
	Special Mention		89		—		10		5		—		712		3,450	$	4,266
	Substandard		—		—		—		430		1,370		384		—	$	2,184
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		75		42		86		67		30		—		—	$	300
	Subtotal	$	8,098	$	9,772	$	8,477	$	9,357	$	3,387	$	20,269	$	59,574	$	118,934
Other Commercial	Pass	$	117,094	$	74,954	$	89,027	$	20,029	$	29,456	$	87,301	$	3,240	$	421,101
	Special Mention		24		—		—		11		—		11,070		—	$	11,105
	Substandard		—		15		—		—		—		22		10	$	47
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		17		84		—		—		31		487		—	$	619
	Subtotal	$	117,135	$	75,053	$	89,027	$	20,040	$	29,487	$	98,880	$	3,250	$	432,872
Residential
Multifamily >5 Residential	Pass	$	58,035	$	33,076	$	46,842	$	12,212	$	5,087	$	34,770	$	932	$	190,954
	Special Mention		—		—		—		—		—		90		—	$	90
	Substandard		—		—		—		—		—		1,301		—	$	1,301
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		1,129		—		—		—		267		—	$	1,396
	Subtotal	$	58,035	$	34,205	$	46,842	$	12,212	$	5,087	$	36,428	$	932	$	193,741
Total	Pass	$	385,539	$	361,345	$	246,288	$	134,796	$	107,789	$	416,371	$	168,348	$	1,820,476
	Special Mention		1,748		2,954		1,587		2,440		3,516		20,103		3,738	$	36,086
	Substandard		718		767		3,082		2,451		3,521		17,048		11,158	$	38,745
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		9,786		2,843		999		627		272		1,172		—	$	15,699
Total commercial loans		$	397,791	$	367,909	$	251,956	$	140,314	$	115,098	$	454,694	$	183,244	$	1,911,006

		December 31, 2021
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2021		2020		2019		2018		2017		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	163,588	$	71,271	$	80,668	$	40,441	$	37,739	$	113,887	$	111,594	$	619,188
	Special Mention		7,561		393		1,841		5,375		263		4,523		7,482	$	27,438
	Substandard		4,521		896		348		5,148		2,325		7,934		2,648	$	23,820
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		21,134		1,610		959		466		189		140		—	$	24,498
	Subtotal	$	196,804	$	74,170	$	83,816	$	51,430	$	40,516	$	126,484	$	121,724	$	694,944
Farmland	Pass	$	25,673	$	12,060	$	13,111	$	13,246	$	11,049	$	49,158	$	1,418	$	125,715
	Special Mention		—		1,191		914		—		342		3,247		—	$	5,694
	Substandard		3,455		444		—		326		558		2,876		—	$	7,659
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		—		—	$	—
	Subtotal	$	29,128	$	13,695	$	14,025	$	13,572	$	11,949	$	55,281	$	1,418	$	139,068
Non Farm, Non Residential	Pass	$	81,203	$	37,971	$	24,716	$	32,775	$	54,732	$	97,241	$	10,548	$	339,186
	Special Mention		—		—		1,103		182		1,948		1,996		—	$	5,229
	Substandard		—		—		910		—		1,440		13,391		—	$	15,741
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		402		—	$	402
	Subtotal	$	81,203	$	37,971	$	26,729	$	32,957	$	58,120	$	113,030	$	10,548	$	360,558
Agriculture	Pass	$	14,426	$	10,386	$	10,135	$	2,585	$	4,932	$	15,755	$	68,937	$	127,156
	Special Mention		—		—		1,000		—		537		271		5,257	$	7,065
	Substandard		—		20		216		—		46		485		4,828	$	5,595
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		110		120		131		55		1		—		—	$	417
	Subtotal	$	14,536	$	10,526	$	11,482	$	2,640	$	5,516	$	16,511	$	79,022	$	140,233
Other Commercial	Pass	$	77,821	$	69,117	$	33,231	$	36,495	$	53,479	$	58,819	$	3,488	$	332,450
	Special Mention		—		—		—		—		—		6,106		—	$	6,106
	Substandard		72		—		25		475		—		9		—	$	581
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		89		—		—		37		—		—		—	$	126
	Subtotal	$	77,982	$	69,117	$	33,256	$	37,007	$	53,479	$	64,934	$	3,488	$	339,263
Residential
Multifamily >5 Residential	Pass	$	37,244	$	63,312	$	16,037	$	7,471	$	5,370	$	35,284	$	1,434	$	166,152
	Special Mention		—		—		—		—		—		10,282		—	$	10,282
	Substandard		—		—		—		—		—		958		—	$	958
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		1,149		—		—		—		44		384		—	$	1,577
	Subtotal	$	38,393	$	63,312	$	16,037	$	7,471	$	5,414	$	46,908	$	1,434	$	178,969
Total	Pass	$	399,955	$	264,117	$	177,898	$	133,013	$	167,301	$	370,144	$	197,419	$	1,709,847
	Special Mention		7,561		1,584		4,858		5,557		3,090		26,425		12,739	$	61,814
	Substandard		8,048		1,360		1,499		5,949		4,369		25,653		7,476	$	54,354
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		22,482		1,730		1,090		558		234		926		—	$	27,020
Total commercial loans		$	438,046	$	268,791	$	185,345	$	145,077	$	174,994	$	423,148	$	217,634	$	1,853,035

The Corporation evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on non-accrual status, loans past due 90 days or more and still accruing interest, and loans modified under troubled debt restructurings are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the balance of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming:

		September 30, 2022
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2022		2021		2020		2019		2018		Prior		Loans		Total
Residential
First Liens	Performing	$	53,596	$	68,418	$	42,892	$	17,521	$	20,943	$	122,753	$	3,201	$	329,324
	Non-performing		—		—		—		33		64		2,068		—	$	2,165
	Subtotal	$	53,596	$	68,418	$	42,892	$	17,554	$	21,007	$	124,821	$	3,201	$	331,489
Home Equity	Performing	$	1,823	$	—	$	8	$	115	$	90	$	1,074	$	61,175	$	64,285
	Non-performing		—		—		79		—		15		45		—	$	139
	Subtotal	$	1,823	$	—	$	87	$	115	$	105	$	1,119	$	61,175	$	64,424
Junior Liens	Performing	$	16,412	$	11,274	$	7,963	$	6,220	$	5,877	$	6,783	$	1,737	$	56,266
	Non-performing		—		—		26		65		74		192		—	$	357
	Subtotal	$	16,412	$	11,274	$	7,989	$	6,285	$	5,951	$	6,975	$	1,737	$	56,623
Other Residential	Performing	$	9,348	$	13,341	$	4,450	$	1,322	$	503	$	1,051	$	—	$	30,015
	Non-performing		—		—		—		50		38		20		—	$	108
	Subtotal	$	9,348	$	13,341	$	4,450	$	1,372	$	541	$	1,071	$	—	$	30,123
Consumer
Motor Vehicle	Performing	$	251,757	$	132,338	$	100,690	$	34,889	$	11,308	$	3,552	$	6	$	534,540
	Non-performing		306		694		426		247		60		39		—	$	1,772
	Subtotal	$	252,063	$	133,032	$	101,116	$	35,136	$	11,368	$	3,591	$	6	$	536,312
Other Consumer	Performing	$	11,785	$	9,216	$	4,804	$	1,502	$	506	$	884	$	4,702	$	33,399
	Non-performing		28		269		132		69		19		15		2	$	534
	Subtotal	$	11,813	$	9,485	$	4,936	$	1,571	$	525	$	899	$	4,704	$	33,933
Total	Performing	$	344,721	$	234,587	$	160,807	$	61,569	$	39,227	$	136,097	$	70,821	$	1,047,829
	Non-performing		334		963		663		464		270		2,379		2	$	5,075
Total other loans		$	345,055	$	235,550	$	161,470	$	62,033	$	39,497	$	138,476	$	70,823	$	1,052,904

		December 31, 2021
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2021		2020		2019		2018		2017		Prior		Loans		Total
Residential
First Liens	Performing	$	86,224	$	49,633	$	22,262	$	24,377	$	26,437	$	126,828	$	3,061	$	338,822
	Non-performing		—		—		35		69		160		2,421		—	$	2,685
	Subtotal	$	86,224	$	49,633	$	22,297	$	24,446	$	26,597	$	129,249	$	3,061	$	341,507
Home Equity	Performing	$	757	$	9	$	152	$	719	$	62	$	1,332	$	59,059	$	62,090
	Non-performing		—		25		—		—		3		57		—	$	85
	Subtotal	$	757	$	34	$	152	$	719	$	65	$	1,389	$	59,059	$	62,175
Junior Liens	Performing	$	13,255	$	10,189	$	8,124	$	7,888	$	4,158	$	5,554	$	968	$	50,136
	Non-performing		—		6		64		97		119		94		—	$	380
	Subtotal	$	13,255	$	10,195	$	8,188	$	7,985	$	4,277	$	5,648	$	968	$	50,516
Other Residential	Performing	$	20,218	$	6,665	$	1,697	$	662	$	883	$	1,092	$	—	$	31,217
	Non-performing		—		—		55		43		—		27		—	$	125
	Subtotal	$	20,218	$	6,665	$	1,752	$	705	$	883	$	1,119	$	—	$	31,342
Consumer
Motor Vehicle	Performing	$	188,675	$	155,156	$	60,676	$	23,367	$	9,307	$	2,384	$	—	$	439,565
	Non-performing		199		373		191		109		43		23		—	$	938
	Subtotal	$	188,874	$	155,529	$	60,867	$	23,476	$	9,350	$	2,407	$	—	$	440,503
Other Consumer	Performing	$	14,924	$	8,225	$	3,119	$	948	$	304	$	1,121	$	4,194	$	32,835
	Non-performing		342		181		107		35		18		3		2	$	688
	Subtotal	$	15,266	$	8,406	$	3,226	$	983	$	322	$	1,124	$	4,196	$	33,523
Total	Performing	$	324,053	$	229,877	$	96,030	$	57,961	$	41,151	$	138,311	$	67,282	$	954,665
	Non-performing		541		585		452		353		343		2,625		2	$	4,901
Total other loans		$	324,594	$	230,462	$	96,482	$	58,314	$	41,494	$	140,936	$	67,284	$	959,566