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Loans (Tables)

12 Months Ended

Dec. 31, 2021

Total net loans at December 31, 2021 and 2020 are summarized as follows:


	2021		Percentage of Total		2020		Percentage of Total
Farmland	$	23,768	0.7	%	$	23,316	0.7	%
Owner-occupied, nonfarm nonresidential properties	434,672		12.0	%	407,924		12.1	%
Agricultural production and other loans to farmers	1,379		0.0	%	2,664		0.1	%
Commercial and Industrial 1	708,989		19.5	%	663,550		19.7	%
Obligations (other than securities and leases) of states and political subdivisions	140,887		3.9	%	132,818		3.9	%
Other loans	13,979		0.4	%	11,961		0.4	%
Other construction loans and all land development and other land loans	298,869		8.2	%	205,734		6.1	%
Multifamily (5 or more) residential properties	216,143		5.9	%	212,815		6.3	%
Non-owner occupied, nonfarm nonresidential properties	663,062		18.2	%	640,945		19.0	%
1-4 Family Construction	37,822		1.0	%	27,768		0.8	%
Home equity lines of credit	104,517		2.9	%	109,444		3.2	%
Residential Mortgages secured by first liens	826,729		22.7	%	777,030		23.0	%
Residential Mortgages secured by junior liens	56,689		1.6	%	53,726		1.6	%
Other revolving credit plans	26,536		0.7	%	25,507		0.8	%
Automobile	20,862		0.6	%	25,344		0.8	%
Other consumer	49,676		1.4	%	42,792		1.3	%
Credit cards	9,935		0.3	%	8,115		0.2	%
Overdrafts	278		0.0	%	336		0.0	%
Total loans	$	3,634,792	100.0	%	$	3,371,789	100.0	%
Less: Allowance for credit losses	(37,588)				(34,340)
Loans, net	$	3,597,204			$	3,337,449

Net deferred loan origination fees (costs) included in the above loan table	$	5,667			$	8,789

1 PPP loans, net of deferred PPP processing fees, both those disbursed in 2020 and those disbursed in 2021, are included in the Commercial and Industrial classification and totaled $45.2 million and $155.5 million as of December 31, 2021 and 2020, respectively. In addition, syndicated loans, net of deferred fees and costs, are included in the Commercial and Industrial classification and totaled $125.8 million and $22.1 million as of December 31, 2021 and 2020, respectively.

Transactions in the allowance for loan losses for the year ended December 31, 2020 were as follows:


	Beginning Allowance (Before ASC 326 Adoption)		Impact of ASC 326 Adoption		Initial Allowance on Loans Purchased with Credit Deterioration		(Charge-offs)		Recoveries		Provision (Benefit) for Credit Loss Expense		Ending Allowance (After ASC 326 Adoption)
Farmland	$	190	$	61	$	0	$	0	$	0	$	(30)	$	221
Owner-occupied, nonfarm nonresidential properties	2,390		(754)		82		(61)		12		2,031		3,700
Agricultural production and other loans to farmers	25		5		0		0		0		(6)		24
Commercial and Industrial	4,105		(631)		216		(2,779)		39		5,283		6,233
Obligations (other than securities and leases) of states and political subdivisions	1,022		(231)		0		0		0		207		998
Other loans	41		8		0		0		0		19		68
Other construction loans and all land development and other land loans	2,327		780		228		0		125		(1,504)		1,956
Multifamily (5 or more) residential properties	1,087		312		24		0		0		1,301		2,724
Non-owner occupied, nonfarm nonresidential properties	3,980		2,547		335		(1,522)		52		3,266		8,658
1-4 Family Construction	56		(35)		0		0		0		61		82
Home equity lines of credit	180		421		22		(6)		1		367		985
Residential Mortgages secured by first liens	1,220		1,100		73		(285)		65		2,366		4,539
Residential Mortgages secured by junior liens	114		135		0		(158)		2		148		241
Other revolving credit plans	296		378		0		(137)		21		(51)		507
Automobile	156		(96)		0		(29)		2		99		132
Other consumer	1,960		1,021		0		(1,513)		130		1,364		2,962
Credit cards	84		(58)		0		(153)		14		179		66
Overdrafts	240		0		0		(435)		185		254		244
Total loans	$	19,473	$	4,963	$	980	$	(7,078)	$	648	$	15,354	$	34,340

Allowance for Loan Losses

Transactions in the allowance for credit losses for the year ended December 31, 2021 were as follows:


	Beginning Allowance		(Charge-offs)		Recoveries		Provision (Benefit) for Credit Loss Expense		Ending Allowance
Farmland	$	221	$	0	$	0	$	(70)	$	151
Owner-occupied, nonfarm nonresidential properties	3,700		(584)		10		213		3,339
Agricultural production and other loans to farmers	24		0		0		(15)		9
Commercial and Industrial	6,233		(163)		203		2,564		8,837
Obligations (other than securities and leases) of states and political subdivisions	998		(407)		30		1,028		1,649
Other loans	68		0		0		81		149
Other construction loans and all land development and other land loans	1,956		(282)		0		524		2,198
Multifamily (5 or more) residential properties	2,724		0		0		(435)		2,289
Non-owner occupied, nonfarm nonresidential properties	8,658		(49)		0		(2,128)		6,481
1-4 Family Construction	82		0		0		76		158
Home equity lines of credit	985		(7)		5		186		1,169
Residential Mortgages secured by first liens	4,539		(79)		47		2,436		6,943
Residential Mortgages secured by junior liens	241		(3)		0		308		546
Other revolving credit plans	507		(41)		13		49		528
Automobile	132		(26)		3		154		263
Other consumer	2,962		(1,193)		140		637		2,546
Credit cards	66		(112)		18		120		92
Overdrafts	244		(438)		160		275		241
Total loans	$	34,340	$	(3,384)	$	629	$	6,003	$	37,588

Transactions in the allowance for loan losses for the year ended December 31, 2019 were as follows:


	Commercial, Industrial, and Agricultural		Commercial Mortgages		Residential Real Estate		Consumer		Credit Cards		Overdrafts		Total
Allowance for loan losses, January 1, 2019	$	7,341	$	7,490	$	2,156	$	2,377	$	103	$	237	$	19,704
Charge-offs	(205)		(3,391)		(386)		(2,200)		(116)		(453)		(6,751)
Recoveries	17		124		73		154		15		113		496
Provision for loan losses	1,134		2,729		(344)		2,080		82		343		6,024
Allowance for loan losses, December 31, 2019	$	8,287	$	6,952	$	1,499	$	2,411	$	84	$	240	$	19,473

Impaired Financing Receivables with Related and not Related Allowances

The following table presents information related to impaired loans by class of loan as of and for the year ended December 31, 2019:


	Year Ended December 31, 2019
	Average Recorded Investment		Interest Income Recognized		Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial, and agricultural	$	1,750	$	90	$	90
Commercial mortgage	6,586		119		119
Residential real estate	191		13		13
Overdrafts	0		0		0
With no related allowance recorded:
Commercial, industrial, and agricultural	4,919		208		208
Commercial mortgage	3,985		158		158
Residential real estate	294		11		11
Overdrafts	0		0		0
Total	$	17,725	$	599	$	599

Nonaccrual Loans and Loans Past Due over 90 Days Still Accruing Interest by Class of Loans

The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2021:


	Nonaccrual		Nonaccrual With No Allowance for Credit Loss		Loans Past Due over 89 Days Still Accruing
Farmland	$	965	$	965	$	0
Owner-occupied, nonfarm nonresidential properties	850		762		0

Commercial and Industrial	7,060		1,653		8


Other construction loans and all land development and other land loans	516		77		0
Multifamily (5 or more) residential properties	1,270		5		0
Non-owner occupied, nonfarm nonresidential properties	3,771		2,143		0

Home equity lines of credit	824		824		0
Residential Mortgages secured by first liens	3,410		3,410		137
Residential Mortgages secured by junior liens	147		147		0
Other revolving credit plans	13		13		0
Automobile	36		36		0
Other consumer	558		558		0
Credit cards	0		0		23

Total loans	$	19,420	$	10,593	$	168

The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of December 31, 2020:


	Nonaccrual		Nonaccrual With No Allowance for Credit Loss		Loans Past Due over 89 Days Still Accruing
Farmland	$	1,844	$	633	$	0
Owner-occupied, nonfarm nonresidential properties	1,781		967		0

Commercial and Industrial	6,657		959		0


Other construction loans and all land development and other land loans	2,349		77		0
Multifamily (5 or more) residential properties	288		0		0
Non-owner occupied, nonfarm nonresidential properties	11,932		9,466		0

Home equity lines of credit	685		685		0
Residential Mortgages secured by first liens	4,175		3,495		283
Residential Mortgages secured by junior liens	114		114		0
Other revolving credit plans	6		6		0
Automobile	32		32		0
Other consumer	496		496		8
Credit cards	0		0		34

Total loans	$	30,359	$	16,930	$	325

Aging of Recorded Investment in Past Due Loans

The following tables present the amortized cost basis of collateral-dependent loans by class of loans that are individually evaluated as of December 31, 2021:


	Real Estate Collateral		Non-Real Estate Collateral
Farmland	$	920	$	0
Owner-occupied, nonfarm nonresidential properties	194		9

Commercial and Industrial	1,488		2,351


Other construction loans and all land development and other land loans	438		0
Multifamily (5 or more) residential properties	1,265		0
Non-owner occupied, nonfarm nonresidential properties	3,378		0


Residential Mortgages secured by first liens	435		0






Total loans	$	8,118	$	2,360

The following tables present the amortized cost basis of collateral-dependent loans by class of loans that are individually evaluated as of December 31, 2020:


	Real Estate Collateral		Non-Real Estate Collateral
Farmland	$	1,793	$	0
Owner-occupied, nonfarm nonresidential properties	285		587

Commercial and Industrial	594		5,600


Other construction loans and all land development and other land loans	2,272		0
Multifamily (5 or more) residential properties	288		0
Non-owner occupied, nonfarm nonresidential properties	9,072		880


Residential Mortgages secured by first liens	1,135		0






Total loans	$	15,439	$	7,067

The following table presents the aging of the amortized cost basis in past-due loans as of December 31, 2021 by class of loans:


	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Loans Not Past Due		Total
Farmland	$	348	$	0	$	0	$	348	$	23,420	$	23,768
Owner-occupied, nonfarm nonresidential properties	278		18		414		710		433,962		434,672
Agricultural production and other loans to farmers	0		0		0		0		1,379		1,379
Commercial and Industrial	377		13		333		723		708,266		708,989
Obligations (other than securities and leases) of states and political subdivisions	0		0		0		0		140,887		140,887
Other loans	0		0		0		0		13,979		13,979
Other construction loans and all land development and other land loans	0		0		77		77		298,792		298,869
Multifamily (5 or more) residential properties	0		10		209		219		215,924		216,143
Non-owner occupied, nonfarm nonresidential properties	0		0		1,792		1,792		661,270		663,062
1-4 Family Construction	0		0		0		0		37,822		37,822
Home equity lines of credit	506		50		172		728		103,789		104,517
Residential Mortgages secured by first liens	1,286		1,145		1,647		4,078		822,651		826,729
Residential Mortgages secured by junior liens	32		24		1		57		56,632		56,689
Other revolving credit plans	56		17		4		77		26,459		26,536
Automobile	45		3		23		71		20,791		20,862
Other consumer	283		158		295		736		48,940		49,676
Credit cards	26		12		23		61		9,874		9,935
Overdrafts	0		0		0		0		278		278
Total loans	$	3,237	$	1,450	$	4,990	$	9,677	$	3,625,115	$	3,634,792

The following table presents the aging of the amortized cost basis in past-due loans as of December 31, 2020 by class of loans.


	30 - 59 Days Past Due		60 - 89 Days Past Due		Greater Than 89 Days Past Due		Total Past Due		Loans Not Past Due		Total
Farmland	$	195	$	0	$	1,211	$	1,406	$	21,910	$	23,316
Owner-occupied, nonfarm nonresidential properties	10		885		732		1,627		406,297		407,924
Agricultural production and other loans to farmers	0		0		0		0		2,664		2,664
Commercial and Industrial	476		335		3,887		4,698		658,852		663,550
Obligations (other than securities and leases) of states and political subdivisions	0		0		0		0		132,818		132,818
Other loans	0		0		0		0		11,961		11,961
Other construction loans and all land development and other land loans	0		0		1,917		1,917		203,817		205,734
Multifamily (5 or more) residential properties	0		0		0		0		212,815		212,815
Non-owner occupied, nonfarm nonresidential properties	314		156		10,184		10,654		630,291		640,945
1-4 Family Construction	0		0		0		0		27,768		27,768
Home equity lines of credit	166		235		486		887		108,557		109,444
Residential Mortgages secured by first liens	2,834		629		1,911		5,374		771,656		777,030
Residential Mortgages secured by junior liens	8		0		66		74		53,652		53,726
Other revolving credit plans	36		19		0		55		25,452		25,507
Automobile	73		0		9		82		25,262		25,344
Other consumer	246		132		245		623		42,169		42,792
Credit cards	72		39		34		145		7,970		8,115
Overdrafts	0		0		0		0		336		336
Total loans	$	4,430	$	2,430	$	20,682	$	27,542	$	3,344,247	$	3,371,789

Restructured in Troubled Debt

The following table presents loans by class modified as troubled debt restructurings that occurred during the years ended December 31, 2021, 2020, and 2019:


	Year Ended December 31, 2021
	Number of Loans	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment



Commercial and Industrial	2	$	3,336	$	3,336



Multifamily (5 or more) residential properties	1	717		717
Non-owner occupied, nonfarm nonresidential properties	1	1,604		1,604









Total loans	4	$	5,657	$	5,657


	Year Ended December 31, 2020
	Number of Loans	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment

Owner-occupied, nonfarm nonresidential properties	1	$	260	$	260

Commercial and Industrial	6	1,140		1,140


Other construction loans and all land development and other land loans	1	46		46

Non-owner occupied, nonfarm nonresidential properties	1	3,684		3,684


Residential Mortgages secured by first liens	2	309		309






Total loans	11	$	5,439	$	5,439


	Year Ended December 31, 2019
	Number of Loans	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment

Commercial mortgages	1	$	383	$	383



Total	1	$	383	$	383

Amortized Cost of Loans, by Year of Origination

The following tables detail the amortized cost of loans, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 31, 2021. The current period originations may include modifications, extensions and renewals.


	Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Farmland
Risk rating
Pass	$	8,203	$	1,690	$	3,276	$	3,547	$	564	$	3,545	$	461	$	0	$	21,286
Special mention	0		0		0		0		394		1,120		0		0		1,514
Substandard	388		0		0		0		48		532		0		0		968
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	8,591	$	1,690	$	3,276	$	3,547	$	1,006	$	5,197	$	461	$	0	$	23,768
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass	$	135,095	$	78,068	$	78,621	$	29,100	$	40,677	$	50,079	$	7,728	$	0	$	419,368
Special mention	243		0		903		4,287		135		1,145		10		0		6,723
Substandard	687		416		2,190		868		250		4,152		18		0		8,581
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	136,025	$	78,484	$	81,714	$	34,255	$	41,062	$	55,376	$	7,756	$	0	$	434,672
Agricultural production and other loans to farmers
Risk rating
Pass	$	211	$	103	$	76	$	198	$	0	$	0	$	791	$	0	$	1,379
Special mention	0		0		0		0		0		0		0		0		0
Substandard	0		0		0		0		0		0		0		0		0
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	211	$	103	$	76	$	198	$	0	$	0	$	791	$	0	$	1,379
Commercial and Industrial
Risk rating
Pass	$	313,983	$	84,815	$	31,375	$	16,577	$	12,389	$	6,777	$	221,094	$	0	$	687,010
Special mention	0		363		793		381		82		844		5,483		0		7,946
Substandard	1,991		800		1,862		452		29		2,016		5,504		0		12,654
Doubtful(1)	1,379		0		0		0		0		0		0		0		1,379
Total	$	317,353	$	85,978	$	34,030	$	17,410	$	12,500	$	9,637	$	232,081	$	0	$	708,989
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass	$	36,853	$	16,688	$	8,774	$	16,957	$	20,071	$	36,764	$	4,780	$	0	$	140,887
Special mention	0		0		0		0		0		0		0		0		0
Substandard	0		0		0		0		0		0		0		0		0
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	36,853	$	16,688	$	8,774	$	16,957	$	20,071	$	36,764	$	4,780	$	0	$	140,887
Other loans
Risk rating
Pass	$	5,851	$	5,305	$	552	$	3	$	0	$	0	$	2,268	$	0	$	13,979
Special mention	0		0		0		0		0		0		0		0		0
Substandard	0		0		0		0		0		0		0		0		0
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	5,851	$	5,305	$	552	$	3	$	0	$	0	$	2,268	$	0	$	13,979

(1) Consists of one loan relationship that was originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during the current period.


	Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Other construction loans and all land development and other land loans
Risk rating
Pass	$	98,406	$	168,372	$	8,752	$	11,141	$	853	$	898	$	5,681	$	0	$	294,103
Special mention	1,500		0		650		0		2,071		0		0		0		4,221
Substandard	0		0		0		29		439		0		77		0		545
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	99,906	$	168,372	$	9,402	$	11,170	$	3,363	$	898	$	5,758	$	0	$	298,869
Multifamily (5 or more) residential properties
Risk rating
Pass	$	74,687	$	55,663	$	33,436	$	7,937	$	27,729	$	12,882	$	2,438	$	0	$	214,772
Special mention	0		0		0		0		0		100		0		0		100
Substandard	0		6		682		379		204		0		0		0		1,271
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	74,687	$	55,669	$	34,118	$	8,316	$	27,933	$	12,982	$	2,438	$	0	$	216,143
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass	$	194,800	$	125,039	$	84,943	$	52,233	$	42,714	$	123,021	$	8,784	$	0	$	631,534
Special mention	0		0		428		1,004		189		5,556		2,451		0		9,628
Substandard	826		0		2,305		1,662		4,638		12,134		335		0		21,900
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	195,626	$	125,039	$	87,676	$	54,899	$	47,541	$	140,711	$	11,570	$	0	$	663,062

The following tables detail the amortized cost of loans, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 31, 2020. The current period originations may include modifications, extensions and renewals.


	Term Loans Amortized Cost Basis by Origination Year
	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Farmland
Risk rating
Pass	$	1,617	$	4,448	$	3,767	$	3,648	$	894	$	5,280	$	662	$	0	$	20,316
Special mention	1,156		0		0		0		0		0		0		0		1,156
Substandard	0		0		0		51		582		1,211		0		0		1,844
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	2,773	$	4,448	$	3,767	$	3,699	$	1,476	$	6,491	$	662	$	0	$	23,316
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass	$	86,694	$	109,228	$	52,818	$	56,948	$	26,119	$	50,839	$	9,253	$	0	$	391,899
Special mention	0		452		74		541		318		1,310		131		0		2,826
Substandard	1,021		2,449		2,438		938		3,675		2,430		248		0		13,199
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	87,715	$	112,129	$	55,330	$	58,427	$	30,112	$	54,579	$	9,632	$	0	$	407,924
Agricultural production and other loans to farmers
Risk rating
Pass	$	267	$	155	$	601	$	0	$	54	$	0	$	1,587	$	0	$	2,664
Special mention	0		0		0		0		0		0		0		0		0
Substandard	0		0		0		0		0		0		0		0		0
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	267	$	155	$	601	$	0	$	54	$	0	$	1,587	$	0	$	2,664
Commercial and Industrial
Risk rating
Pass	$	318,323	$	54,620	$	46,854	$	32,426	$	7,197	$	7,265	$	170,386	$	0	$	637,071
Special mention	127		1,017		3,489		712		300		1,033		4,690		0		11,368
Substandard	801		1,916		1,212		112		37		4,858		6,175		0		15,111
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	319,251	$	57,553	$	51,555	$	33,250	$	7,534	$	13,156	$	181,251	$	0	$	663,550
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass	$	10,722	$	12,279	$	35,176	$	20,891	$	19,365	$	24,789	$	8,888	$	0	$	132,110
Special mention	0		0		0		0		0		0		0		0		0
Substandard	708		0		0		0		0		0		0		0		708
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	11,430	$	12,279	$	35,176	$	20,891	$	19,365	$	24,789	$	8,888	$	0	$	132,818
Other loans
Risk rating
Pass	$	7,268	$	1,237	$	386	$	0	$	0	$	0	$	3,070	$	0	$	11,961
Special mention	0		0		0		0		0		0		0		0		0
Substandard	0		0		0		0		0		0		0		0		0
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	7,268	$	1,237	$	386	$	0	$	0	$	0	$	3,070	$	0	$	11,961


	Term Loans Amortized Cost Basis by Origination Year
	2020		2019		2018		2017		2016		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
Other construction loans and all land development and other land loans
Risk rating
Pass	$	119,380	$	52,078	$	19,977	$	2,300	$	28	$	1,895	$	2,548	$	0	$	198,206
Special mention	1,417		672		29		3,303		0		190		0		0		5,611
Substandard	0		0		0		0		0		1,840		77		0		1,917
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	120,797	$	52,750	$	20,006	$	5,603	$	28	$	3,925	$	2,625	$	0	$	205,734
Multifamily (5 or more) residential properties
Risk rating
Pass	$	73,572	$	39,633	$	26,230	$	49,178	$	4,086	$	16,957	$	1,907	$	0	$	211,563
Special mention	0		0		0		0		0		0		0		0		0
Substandard	6		753		288		205		0		0		0		0		1,252
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	73,578	$	40,386	$	26,518	$	49,383	$	4,086	$	16,957	$	1,907	$	0	$	212,815
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass	$	161,045	$	127,518	$	89,520	$	55,966	$	44,959	$	105,962	$	9,633	$	0	$	594,603
Special mention	99		895		2,111		3,969		835		4,137		450		0		12,496
Substandard	0		12,325		326		7,584		722		12,289		600		0		33,846
Doubtful	0		0		0		0		0		0		0		0		0
Total	$	161,144	$	140,738	$	91,957	$	67,519	$	46,516	$	122,388	$	10,683	$	0	$	640,945


	Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
1-4 Family Construction
Payment performance
Performing	$	27,539	$	9,137	$	857	$	66	$	0	$	0	$	223	$	0	$	37,822
Nonperforming	0		0		0		0		0		0		0		0		0
Total	$	27,539	$	9,137	$	857	$	66	$	0	$	0	$	223	$	0	$	37,822
Home equity lines of credit
Payment performance
Performing	$	14,383	$	14,621	$	9,564	$	10,584	$	6,863	$	39,527	$	8,151	$	0	$	103,693
Nonperforming	0		0		9		10		377		428		0		0		824
Total	$	14,383	$	14,621	$	9,573	$	10,594	$	7,240	$	39,955	$	8,151	$	0	$	104,517
Residential mortgages secured by first lien
Payment performance
Performing	$	232,606	$	178,380	$	111,333	$	62,850	$	74,136	$	160,402	$	3,475	$	0	$	823,182
Nonperforming	79		259		227		151		258		2,379		194		0		3,547
Total	$	232,685	$	178,639	$	111,560	$	63,001	$	74,394	$	162,781	$	3,669	$	0	$	826,729
Residential mortgages secured by junior liens
Payment performance
Performing	$	20,617	$	11,256	$	7,239	$	4,407	$	3,508	$	9,095	$	420	$	0	$	56,542
Nonperforming	0		0		0		0		84		63		0		0		147
Total	$	20,617	$	11,256	$	7,239	$	4,407	$	3,592	$	9,158	$	420	$	0	$	56,689
Other revolving credit plans
Payment performance
Performing	$	5,313	$	3,596	$	3,090	$	2,592	$	2,977	$	8,955	$	0	$	0	$	26,523
Nonperforming	0		0		4		4		0		5		0		0		13
Total	$	5,313	$	3,596	$	3,094	$	2,596	$	2,977	$	8,960	$	0	$	0	$	26,536
Automobile
Payment performance
Performing	$	7,047	$	5,448	$	4,668	$	2,457	$	682	$	524	$	0	$	0	$	20,826
Nonperforming	11		13		12		0		0		0		0		0		36
Total	$	7,058	$	5,461	$	4,680	$	2,457	$	682	$	524	$	0	$	0	$	20,862
Other consumer
Payment performance
Performing	$	30,423	$	11,017	$	4,537	$	1,451	$	316	$	1,374	$	0	$	0	$	49,118
Nonperforming	204		170		96		25		3		60		0		0		558
Total	$	30,627	$	11,187	$	4,633	$	1,476	$	319	$	1,434	$	0	$	0	$	49,676


	Term Loans Amortized Cost Basis by Origination Year
	2020		2019		2018		2017		2016			Prior		Revolving Loans Amortized Cost Basis		Revolving Loans Converted to Term		Total
1-4 Family Construction
Payment performance
Performing	$	16,081	$	11,547	$	140	$	0	$	0		$	0	$	0	$	0	$	27,768
Nonperforming	0		0		0		0		0			0		0		0		0
Total	$	16,081	$	11,547	$	140	$	0	$	0		$	0	$	0	$	0	$	27,768
Home equity lines of credit
Payment performance
Performing	$	19,764	$	12,823	$	12,842	$	8,793	$	8,182		$	42,514	$	3,841	$	0	$	108,759
Nonperforming	0		0		0		302		33			350		0		0		685
Total	$	19,764	$	12,823	$	12,842	$	9,095	$	8,215		$	42,864	$	3,841	$	0	$	109,444
Residential mortgages secured by first lien
Payment performance
Performing	$	211,910	$	136,181	$	93,588	$	99,520	$	62,312		$	163,556	$	5,505	$	0	$	772,572
Nonperforming	0		84		887		143		61			3,261		22		0		4,458
Total	$	211,910	$	136,265	$	94,475	$	99,663	$	62,373		$	166,817	$	5,527	$	0	$	777,030
Residential mortgages secured by junior liens
Payment performance
Performing	$	14,552	$	12,255	$	7,031	$	5,660	$	3,347		$	10,389	$	378	$	0	$	53,612
Nonperforming	0		0		0		0		19			95		0		0		114
Total	$	14,552	$	12,255	$	7,031	$	5,660	$	3,366		$	10,484	$	378	$	0	$	53,726
Other revolving credit plans
Payment performance
Performing	$	4,088	$	4,516	$	3,320	$	3,149	$	1,301		$	9,127	$	0	$	0	$	25,501
Nonperforming	0		0		4		0		0			2		0		0		6
Total	$	4,088	$	4,516	$	3,324	$	3,149	$	1,301		$	9,129	$	0	$	0	$	25,507
Automobile
Payment performance
Performing	$	8,965	$	8,595	$	4,652	$	1,635	$	764		$	701	$	0	$	0	$	25,312
Nonperforming	0		4		0		6		0			22		0		0		32
Total	$	8,965	$	8,599	$	4,652	$	1,641	$	764		$	723	$	0	$	0	$	25,344
Other consumer
Payment performance
Performing	$	24,857	$	11,183	$	3,579	$	796	$	218	1	$	1,654	$	0	$	0	$	42,288
Nonperforming	82		264		75		13		0			70		0		0		504
Total	$	24,939	$	11,447	$	3,654	$	809	$	218		$	1,724	$	0	$	0	$	42,792


	December 31, 2021		December 31, 2020

Credit card
Payment performance
Performing	$	9,912	$	8,081
Nonperforming	23		34
Total	$	9,935	$	8,115

Schedule of Loan Assigned Risk Rating within 12 Months of Balance Sheet Date

The following tables represent the Corporation's credit risk profile by risk rating as of December 31, 2021 and 2020. Loans not rated as special mention, substandard, or doubtful are considered to be pass rated loans.


	December 31, 2021
			Non-Pass Rated
	Pass		Special Mention		Substandard		Doubtful		Total Non-Pass		Total
Farmland	$	21,286	$	1,514	$	968	$	0	$	2,482	$	23,768
Owner-occupied, nonfarm nonresidential properties	419,368		6,723		8,581		0		15,304		434,672
Agricultural production and other loans to farmers	1,379		0		0		0		0		1,379
Commercial and Industrial	687,010		7,946		12,654		1,379		21,979		708,989
Obligations (other than securities and leases) of states and political subdivisions	140,887		0		0		0		0		140,887
Other loans	13,979		0		0		0		0		13,979
Other construction loans and all land development and other land loans	294,103		4,221		545		0		4,766		298,869
Multifamily (5 or more) residential properties	214,772		100		1,271		0		1,371		216,143
Non-owner occupied, nonfarm nonresidential properties	631,534		9,628		21,900		0		31,528		663,062









Total loans	$	2,424,318	$	30,132	$	45,919	$	1,379	$	77,430	$	2,501,748


	December 31, 2020
			Non-Pass Rated
	Pass		Special Mention		Substandard		Doubtful		Total Non-Pass		Total
Farmland	$	20,316	$	1,156	$	1,844	$	0	$	3,000	$	23,316
Owner-occupied, nonfarm nonresidential properties	391,899		2,826		13,199		0		16,025		407,924
Agricultural production and other loans to farmers	2,664		0		0		0		0		2,664
Commercial and Industrial	637,071		11,368		15,111		0		26,479		663,550
Obligations (other than securities and leases) of states and political subdivisions	132,110		0		708		0		708		132,818
Other loans	11,961		0		0		0		0		11,961
Other construction loans and all land development and other land loans	198,206		5,611		1,917		0		7,528		205,734
Multifamily (5 or more) residential properties	211,563		0		1,252		0		1,252		212,815
Non-owner occupied, nonfarm nonresidential properties	594,603		12,496		33,846		0		46,342		640,945









Total loans	$	2,200,393	$	33,457	$	67,877	$	0	$	101,334	$	2,301,727

Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity

The Corporation considers the performance of the loan portfolio and its impact on the allowance for credit losses. For 1-4 family construction, home equity lines of credit, residential mortgages secured by first liens, residential mortgages secured by junior liens, automobile, credit cards, other revolving credit plans and other consumer segments, the Corporation also evaluates credit quality based on the performance status the loan, which was previously presented, and by payment activity. Nonperforming loans include loans on nonaccrual status and loans past due over 89 days and still accruing interest.


	December 31, 2021						December 31, 2020
	Performing		Nonperforming		Total		Performing		Nonperforming		Total









1-4 Family Construction	$	37,822	$	0	$	37,822	$	27,768	$	0	$	27,768
Home equity lines of credit	103,693		824		104,517		108,759		685		109,444
Residential Mortgages secured by first liens	823,182		3,547		826,729		772,572		4,458		777,030
Residential Mortgages secured by junior liens	56,542		147		56,689		53,612		114		53,726
Other revolving credit plans	26,523		13		26,536		25,501		6		25,507
Automobile	20,826		36		20,862		25,312		32		25,344
Other consumer	49,118		558		49,676		42,288		504		42,792


Total loans	$	1,117,706	$	5,125	$	1,122,831	$	1,055,812	$	5,799	$	1,061,611

Purchased Credit Deteriorated Loans

The carrying amount of those loans is as follows:


	July 17, 2020
Purchase price of loans at acquisition	$	21,768
Allowance for credit losses at acquisition	980
Non-credit discount / (premium) at acquisition	1,063
Par value of acquired loans at acquisition	$	23,811

Summary of Holiday's Loan Portfolio Included in Consumer and Residential Loans

Holiday’s loan portfolio, included in other consumer loans above, is summarized as follows at December 31, 2021 and 2020:


	December 31, 2021		December 31, 2020
Gross consumer loans	$	29,227	$	27,998

Less: unearned discounts	(5,716)		(5,181)
Total consumer loans, net of unearned discounts	$	23,511	$	22,817