Allowance for Credit Losses

6 Months Ended

Jun. 30, 2024

Allowance for Credit Losses

Allowance for Credit Losses

3.    Allowance for Credit Losses

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

Allowance for Credit Losses:			June 30, 2024
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	13,579	$	14,233	$	11,919	$	314	$	40,045
Provision for credit losses		1,811		93		1,367		(305)		2,966
Loans charged-off		(3,548)		(42)		(2,501)		—		(6,091)
Recoveries		173		40		1,201		—		1,414
Ending Balance	$	12,015	$	14,324	$	11,986	$	9	$	38,334

Allowance for Credit Losses:			June 30, 2023
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	12,790	$	15,059	$	11,513	$	258	$	39,620
Provision for credit losses		(377)		166		1,733		278		1,800
Loans charged-off		(209)		(63)		(3,271)		—		(3,543)
Recoveries		246		106		1,678		—		2,030
Ending Balance	$	12,450	$	15,268	$	11,653	$	536	$	39,907

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

Allowance for Credit Losses:			June 30, 2024
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	13,264	$	14,327	$	11,797	$	379	$	39,767
Provision for credit losses		2,082		(80)		3,134		(370)		4,766
Loans charged -off		(3,779)		(56)		(5,448)		—		(9,283)
Recoveries		448		133		2,503		—		3,084
Ending Balance	$	12,015	$	14,324	$	11,986	$	9	$	38,334

Allowance for Credit Losses:			June 30, 2023
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	12,949	$	14,568	$	12,104	$	158	$	39,779
Provision for credit losses		(431)		666		2,987		378		3,600
Loans charged -off		(515)		(142)		(7,262)		—		(7,919)
Recoveries		447		176		3,824		—		4,447
Ending Balance	$	12,450	$	15,268	$	11,653	$	536	$	39,907

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

	June 30, 2024
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days Still				Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	303	$	6,072	$	34
Farmland		—		1,218		1,201
Non Farm, Non Residential		112		907		476
Agriculture		—		934		893
All Other Commercial		—		996		980
Residential
First Liens		567		963		32
Home Equity		136		111		—
Junior Liens		262		74		—
Multifamily		—		426		373
All Other Residential		—		407		348
Consumer
Motor Vehicle		—		2,218		—
All Other Consumer		—		237		—
TOTAL	$	1,380	$	14,563	$	4,337

	December 31, 2023
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days Still				Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	5	$	13,971	$	860
Farmland		—		1,221		1,201
Non Farm, Non Residential		—		995		1,011
Agriculture		—		1,147		1,103
All Other Commercial		—		1,046		1,027
Residential
First Liens		620		960		—
Home Equity		32		68		—
Junior Liens		239		67		—
Multifamily		47		543		373
All Other Residential		—		427		—
Consumer
Motor Vehicle		45		2,933		—
All Other Consumer		—		218		—
TOTAL	$	988	$	23,596	$	5,575

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

	June 30, 2024
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	598	$	5,117
Farmland		1,620		—
Non Farm, Non Residential		3,759		—
Agriculture		—		893
All Other Commercial		980		—
Residential
First Liens		32		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		373		—
All Other Residential		348		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	7,710	$	6,010

	December 31, 2023
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	1,454	$	12,056
Farmland		1,633		—
Non Farm, Non Residential		3,919		—
Agriculture		49		1,054
All Other Commercial		1,027		—
Residential
First Liens		32		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		373		—
All Other Residential		349		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	8,836	$	13,110

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

	June 30, 2024
					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	$	616	$	1,273	$	1,844	$	3,733	$	532,154	$	535,887
Farmland		362		—		1,202		1,564		128,966		130,530
Non Farm, Non Residential		—		304		114		418		538,947		539,365
Agriculture		262		—		930		1,192		128,050		129,242
All Other Commercial		14		—		—		14		459,116		459,130
Residential
First Liens		678		921		876		2,475		362,596		365,071
Home Equity		314		389		220		923		66,824		67,747
Junior Liens		384		60		283		727		59,041		59,768
Multifamily		—		166		373		539		236,145		236,684
All Other Residential		—		211		377		588		20,859		21,447
Consumer
Motor Vehicle		9,561		1,312		590		11,463		626,746		638,209
All Other Consumer		442		103		67		612		30,445		31,057
TOTAL	$	12,633	$	4,739	$	6,876	$	24,248	$	3,189,889	$	3,214,137

	December 31, 2023
					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	$	668	$	488	$	1,136	$	2,292	$	649,801	$	652,093
Farmland		58		—		1,201		1,259		132,147		133,406
Non Farm, Non Residential		—		—		—		—		439,009		439,009
Agriculture		—		—		1,141		1,141		139,900		141,041
All Other Commercial		—		—		—		—		464,776		464,776
Residential
First Liens		2,841		816		924		4,581		354,711		359,292
Home Equity		360		188		71		619		65,191		65,810
Junior Liens		462		124		262		848		57,985		58,833
Multifamily		117		140		373		630		191,104		191,734
All Other Residential		554		—		47		601		21,961		22,562
Consumer
Motor Vehicle		12,491		1,754		761		15,006		602,442		617,448
All Other Consumer		397		102		13		512		31,857		32,369
TOTAL	$	17,948	$	3,612	$	5,929	$	27,489	$	3,150,884	$	3,178,373

Loan Modifications Made to Borrowers Experiencing Financial Difficulty:

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.

The following table presents the amortized cost of loans and leases at June 30, 2024 that were both experiencing financial difficulty and modified during the twelve months ended June 30, 2024, by class and by type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each class of financial receivable is also presented below.

										Combination		Combination
										Term		Term		Total
										Extension and		Extension		Class of
	Principal		Payment		Term		Interest Rate			Principal		Interest Rate		Financing
(Dollar amounts in thousands)	Forgiveness		Delay		Extension		Reduction		Forgiveness		Reduction		Receivable
Residential
First Liens	$	—	$	—	$	—	$	—	$	—	$	25		0.01	%
Junior Liens		—		—		28		—		—		—		0.05	%
Consumer
Motor Vehicle		27		—		293		27		110		107		0.09	%
TOTAL	$	27	$	—	$	321	$	27	$	110	$	132		0.02	%

The Corporation has no commitments to lend additional amounts to the borrowers included in the table above.

The Corporation closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table presents the performance of such loans that have been modified in the last twelve months:

	June 30, 2024
	30 - 59		60 - 89		Greater Than
	Days		Days		89 Days		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due
Consumer
Motor Vehicle	$	2	$	19	$	7	$	28
TOTAL	$	2	$	19	$	7	$	28

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended June 30, 2024.

			Weighted-			Weighted-
			Average			Average
	Principal		Interest Rate			Term
(Dollar amounts in thousands)	Forgiveness		Reduction			Extension
Residential
First Liens	$	—		2.75	%		24
Junior Liens		—		—			36
Consumer
Motor Vehicle		56		2.89	%		21
TOTAL	$	56		2.87	%		22

The following table presents the amortized cost basis of loans that had a payment default during the twelve months ended June 30, 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty.

	Principal		Payment		Term		Interest Rate
(Dollar amounts in thousands)	Forgiveness		Delay		Extension		Reduction
Consumer
Motor Vehicle	$	—	$		$	28	$	—
TOTAL	$	—	$	—	$	28	$	—

Upon the Corporation’s determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

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. These balances do not include accrued interest:

		June 30, 2024
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	52,615	$	39,032	$	114,470	$	73,432	$	36,682	$	98,079	$	72,107	$	486,417
	Special Mention		—		8,175		715		9,749		3,318		1,375		2,593	$	25,925
	Substandard		3,615		707		1,700		4,140		132		7,048		—	$	17,342
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		863		1,131		993		531		278		125		—	$	3,921
	Subtotal	$	57,093	$	49,045	$	117,878	$	87,852	$	40,410	$	106,627	$	74,700	$	533,605
	Current period gross charge-offs	$	-	$	-	$	105	$	3,264	$	10	$	48	$	-	$	3,427
Farmland	Pass	$	7,978	$	20,439	$	15,613	$	19,574	$	7,747	$	54,037	$	224	$	125,612
	Special Mention		—		—		—		—		—		1,047		—	$	1,047
	Substandard		—		—		—		—		40		1,710		—	$	1,750
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		14		—	$	14
	Subtotal	$	7,978	$	20,439	$	15,613	$	19,574	$	7,787	$	56,808	$	224	$	128,423
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	50,043	$	79,663	$	135,958	$	98,953	$	22,032	$	135,940	$	4,755	$	527,344
	Special Mention		—		—		700		975		—		827		—	$	2,502
	Substandard		662		55		184		—		—		6,248		—	$	7,149
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		668		64		—	$	732
	Subtotal	$	50,705	$	79,718	$	136,842	$	99,928	$	22,700	$	143,079	$	4,755	$	537,727
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Agriculture	Pass	$	4,811	$	8,730	$	10,061	$	5,669	$	5,391	$	25,472	$	62,249	$	122,383
	Special Mention		—		—		84		—		5		599		2,640	$	3,328
	Substandard		—		—		53		—		—		903		—	$	956
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		11		—		34		26		29		4		—	$	104
	Subtotal	$	4,822	$	8,730	$	10,232	$	5,695	$	5,425	$	26,978	$	64,889	$	126,771
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Other Commercial	Pass	$	15,398	$	32,721	$	103,023	$	92,936	$	92,515	$	108,130	$	9,160	$	453,883
	Special Mention		—		—		—		—		—		795		—	$	795
	Substandard		—		—		980		14		—		—		—	$	994
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		10		—		—		438		—	$	448
	Subtotal	$	15,398	$	32,721	$	104,013	$	92,950	$	92,515	$	109,363	$	9,160	$	456,120
	Current period gross charge-offs	$	252	$	100	$	-	$	-	$	-	$	-	$	-	$	352
Residential
Multifamily >5 Residential	Pass	$	22,380	$	53,605	$	70,093	$	31,496	$	22,217	$	26,399	$	458	$	226,648
	Special Mention		—		—		232		—		350		6,397		—	$	6,979
	Substandard		—		—		—		—		—		373		—	$	373
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		1,090		—		680		—	$	1,770
	Subtotal	$	22,380	$	53,605	$	70,325	$	32,586	$	22,567	$	33,849	$	458	$	235,770
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	153,225	$	234,190	$	449,218	$	322,060	$	186,584	$	448,057	$	148,953	$	1,942,287
	Special Mention		—		8,175		1,731		10,724		3,673		11,040		5,233	$	40,576
	Substandard		4,277		762		2,917		4,154		172		16,282		—	$	28,564
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		874		1,131		1,037		1,647		975		1,325		—	$	6,989
		$	158,376	$	244,258	$	454,903	$	338,585	$	191,404	$	476,704	$	154,186	$	2,018,416

		December 31, 2023
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2023		2022		2021		2020		2019		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	80,873	$	131,522	$	112,811	$	47,445	$	44,257	$	100,872	$	81,551	$	599,331
	Special Mention		6		221		10,025		3,442		323		866		2,715	$	17,598
	Substandard		3,620		4,734		1,842		981		1,789		5,354		7,932	$	26,252
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		3,476		1,352		847		431		144		93		—	$	6,343
	Subtotal	$	87,975	$	137,829	$	125,525	$	52,299	$	46,513	$	107,185	$	92,198	$	649,524
	Current period gross charge-offs	$	8	$	72	$	40	$	78	$	24	$	49	$	-	$	271
Farmland	Pass	$	21,232	$	16,025	$	20,794	$	8,310	$	8,790	$	52,357	$	287	$	127,795
	Special Mention		—		—		4		—		363		710		—	$	1,077
	Substandard		—		—		—		41		309		1,370		—	$	1,720
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		14		—	$	14
	Subtotal	$	21,232	$	16,025	$	20,798	$	8,351	$	9,462	$	54,451	$	287	$	130,606
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	73,740	$	123,319	$	69,477	$	23,965	$	22,550	$	106,752	$	7,606	$	427,409
	Special Mention		—		732		995		—		845		—		—	$	2,572
	Substandard		102		—		—		—		479		6,356		—	$	6,937
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		678		—		65		—	$	743
	Subtotal	$	73,842	$	124,051	$	70,472	$	24,643	$	23,874	$	113,173	$	7,606	$	437,661
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Agriculture	Pass	$	10,764	$	11,299	$	6,614	$	6,118	$	7,443	$	25,678	$	64,476	$	132,392
	Special Mention		—		86		—		8		—		605		3,618	$	4,317
	Substandard		—		55		—		—		50		1,067		—	$	1,172
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		51		31		35		24		—		—	$	141
	Subtotal	$	10,764	$	11,491	$	6,645	$	6,161	$	7,517	$	27,350	$	68,094	$	138,022
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Other Commercial	Pass	$	27,401	$	105,046	$	104,307	$	94,029	$	4,774	$	112,159	$	9,177	$	456,893
	Special Mention		—		—		—		2,478		—		830		—	$	3,308
	Substandard		—		1,027		16		—		—		—		—	$	1,043
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		12		—		—		—		457		—	$	469
	Subtotal	$	27,401	$	106,085	$	104,323	$	96,507	$	4,774	$	113,446	$	9,177	$	461,713
	Current period gross charge-offs	$	675	$	-	$	-	$	-	$	20	$	-	$	-	$	695
Residential
Multifamily >5 Residential	Pass	$	34,551	$	62,845	$	32,273	$	22,590	$	6,397	$	23,215	$	382	$	182,253
	Special Mention		—		—		—		357		—		6,571		—	$	6,928
	Substandard		—		—		—		—		—		373		—	$	373
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		1,102		—		—		251		—	$	1,353
	Subtotal	$	34,551	$	62,845	$	33,375	$	22,947	$	6,397	$	30,410	$	382	$	190,907
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	248,561	$	450,056	$	346,276	$	202,457	$	94,211	$	421,033	$	163,479	$	1,926,073
	Special Mention		6		1,039		11,024		6,285		1,531		9,582		6,333	$	35,800
	Substandard		3,722		5,816		1,858		1,022		2,627		14,520		7,932	$	37,497
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		3,476		1,415		1,980		1,144		168		880		—	$	9,063
		$	255,765	$	458,326	$	361,138	$	210,908	$	98,537	$	446,015	$	177,744	$	2,008,433

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 and loans past due 90 days or more and still accruing interest are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming. These balances do not include accrued interest:

		June 30, 2024
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2024		2023		2022		2021		2020		Prior		Loans		Total
Residential
First Liens	Performing	$	24,841	$	47,700	$	68,600	$	61,857	$	34,392	$	124,100	$	671	$	362,161
	Non-performing		—		—		—		408		64		1,182		—	$	1,654
	Subtotal	$	24,841	$	47,700	$	68,600	$	62,265	$	34,456	$	125,282	$	671	$	363,815
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	14	$	-	$	14
Home Equity	Performing	$	174	$	124	$	54	$	29	$	90	$	1,333	$	65,461	$	67,265
	Non-performing		—		—		75		—		16		83		73	$	247
	Subtotal	$	174	$	124	$	129	$	29	$	106	$	1,416	$	65,534	$	67,512
	Current period gross charge-offs	$	-	$	-	$	22	$	-	$	-	$	-	$	20	$	42
Junior Liens	Performing	$	6,875	$	13,693	$	13,889	$	7,245	$	5,525	$	10,532	$	1,501	$	59,260
	Non-performing		—		102		—		—		64		166		—	$	332
	Subtotal	$	6,875	$	13,795	$	13,889	$	7,245	$	5,589	$	10,698	$	1,501	$	59,592
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Other Residential	Performing	$	498	$	7,385	$	7,717	$	2,703	$	398	$	1,994	$	234	$	20,929
	Non-performing		—		—		—		—		—		425		—	$	425
	Subtotal	$	498	$	7,385	$	7,717	$	2,703	$	398	$	2,419	$	234	$	21,354
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Consumer
Motor Vehicle	Performing	$	137,531	$	227,663	$	175,727	$	52,729	$	32,161	$	7,238	$	12	$	633,061
	Non-performing		4		408		894		349		413		113		—	$	2,181
	Subtotal	$	137,535	$	228,071	$	176,621	$	53,078	$	32,574	$	7,351	$	12	$	635,242
	Current period gross charge-offs	$	49	$	1,369	$	2,408	$	987	$	354	$	57	$	-	$	5,224
Other Consumer	Performing	$	6,148	$	9,019	$	4,822	$	2,729	$	1,680	$	824	$	5,395	$	30,617
	Non-performing		—		64		36		102		26		5		39	$	272
	Subtotal	$	6,148	$	9,083	$	4,858	$	2,831	$	1,706	$	829	$	5,434	$	30,889
	Current period gross charge-offs	$	-	$	62	$	57	$	5	$	7	$	9	$	84	$	224
Total	Performing	$	176,067	$	305,584	$	270,809	$	127,292	$	74,246	$	146,021	$	73,274	$	1,173,293
	Non-performing		4		574		1,005		859		583		1,974		112	$	5,111
Total other loans		$	176,071	$	306,158	$	271,814	$	128,151	$	74,829	$	147,995	$	73,386	$	1,178,404

		December 31, 2023
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2023		2022		2021		2020		2019		Prior		Loans		Total
Residential
First Liens	Performing	$	49,146	$	70,952	$	65,232	$	36,751	$	15,185	$	118,087	$	1,066	$	356,419
	Non-performing		—		121		—		65		57		1,504		—	$	1,747
	Subtotal	$	49,146	$	71,073	$	65,232	$	36,816	$	15,242	$	119,591	$	1,066	$	358,166
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	167	$	-	$	167
Home Equity	Performing	$	61	$	68	$	—	$	7	$	378	$	866	$	64,102	$	65,482
	Non-performing		—		22		—		17		—		60		—	$	99
	Subtotal	$	61	$	90	$	—	$	24	$	378	$	926	$	64,102	$	65,581
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Junior Liens	Performing	$	15,050	$	15,431	$	8,248	$	5,557	$	4,280	$	8,094	$	1,698	$	58,358
	Non-performing		—		53		45		104		—		103		—	$	305
	Subtotal	$	15,050	$	15,484	$	8,293	$	5,661	$	4,280	$	8,197	$	1,698	$	58,663
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	24	$	24	$	-	$	48
Other Residential	Performing	$	6,432	$	9,477	$	3,100	$	421	$	641	$	1,511	$	415	$	21,997
	Non-performing		—		—		46		—		390		38		—	$	474
	Subtotal	$	6,432	$	9,477	$	3,146	$	421	$	1,031	$	1,549	$	415	$	22,471
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1
Consumer
Motor Vehicle	Performing	$	264,933	$	215,125	$	70,926	$	46,939	$	12,038	$	2,177	$	—	$	612,138
	Non-performing		232		973		520		532		134		30		—	$	2,421
	Subtotal	$	265,165	$	216,098	$	71,446	$	47,471	$	12,172	$	2,207	$	—	$	614,559
	Current period gross charge-offs	$	841	$	7,722	$	3,101	$	1,448	$	499	$	174	$	-	$	13,785
Other Consumer	Performing	$	12,561	$	6,895	$	3,778	$	2,189	$	659	$	692	$	5,203	$	31,977
	Non-performing		—		20		145		39		17		—		1	$	222
	Subtotal	$	12,561	$	6,915	$	3,923	$	2,228	$	676	$	692	$	5,204	$	32,199
	Current period gross charge-offs	$	61	$	213	$	61	$	37	$	3	$	5	$	149	$	529
Total	Performing	$	348,183	$	317,948	$	151,284	$	91,864	$	33,181	$	131,427	$	72,484	$	1,146,371
	Non-performing		232		1,189		756		757		598		1,735		1	$	5,268
Total other loans		$	348,415	$	319,137	$	152,040	$	92,621	$	33,779	$	133,162	$	72,485	$	1,151,639