Loans (Tables)

9 Months Ended

Sep. 30, 2021

Receivables [Abstract]

Loans

Loan balances as of  September 30, 2021 and December 31, 2020 are summarized below:

	(In Thousands)
Loans:	September 30, 2021			December 31, 2020
Consumer Real Estate	$	202,454		$	175,588
Agricultural Real Estate		179,374			189,159
Agricultural		105,580			94,358
Commercial Real Estate		728,852			588,825
Commercial and Industrial		194,767			189,246
Consumer		55,521			52,540
Other		31,096			15,757
		1,497,644			1,305,473
Less: Net deferred loan fees and costs		(2,082	)		(2,483	)
		1,495,562			1,302,990
Less: Allowance for loan losses		(15,698	)		(13,672	)
Loans - Net	$	1,479,864		$	1,289,318

Distribution of Fixed Rate Loans and Variable Rate Loans by Major Loan Category

The distribution of fixed rate loans and variable rate loans by major loan category is as follows as of September 30, 2021:

	(In Thousands)
	Fixed		Variable
Consumer Real Estate	$	138,024	$	64,430
Agricultural Real Estate		108,102		71,272
Agricultural		89,426		16,154
Commercial Real Estate		594,081		134,771
Commercial and Industrial		161,106		33,661
Consumer		51,469		4,052
Other		21,096		10,000

Contractual Aging of Recorded Investment in Past Due Loans by Portfolio Classification of Loans

The following table represents the contractual aging of the recorded investment (in thousands) in past due loans by portfolio classification of loans as of September 30, 2021 and December 31, 2020, net of deferred loan fees and costs:

September 30, 2021	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Financing Receivables		Recorded Investment > 90 Days and Accruing
Consumer Real Estate	$	175	$	-	$	204	$	379	$	201,991	$	202,370	$	-
Agricultural Real Estate		120		-		-		120		178,931		179,051		-
Agricultural		-		-		117		117		105,605		105,722		-
Commercial Real Estate		-		-		180		180		727,238		727,418		-
Commercial and Industrial		136		199		366		701		224,681		225,382		-
Consumer		62		45		-		107		55,512		55,619		-
Total	$	493	$	244	$	867	$	1,604	$	1,493,958	$	1,495,562	$	-

December 31, 2020	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days		Total Past Due		Current		Total Financing Receivables		Recorded Investment > 90 Days and Accruing
Consumer Real Estate	$	269	$	191	$	1,032	$	1,492	$	173,824	$	175,316	$	-
Agricultural Real Estate		-		-		88		88		188,738		188,826		-
Agricultural		-		-		176		176		94,314		94,490		-
Commercial Real Estate		-		-		185		185		587,469		587,654		-
Commercial and Industrial		-		750		983		1,733		202,310		204,043		-
Consumer		53		-		-		53		52,608		52,661		-
Total	$	322	$	941	$	2,464	$	3,727	$	1,299,263	$	1,302,990	$	-

Recorded Investment in Nonaccrual Loans by Portfolio Class of Loans

The following table presents the recorded investment in nonaccrual loans by class of loans as of September 30, 2021 and December 31, 2020:

	(In Thousands)
	September 30, 2021		December 31, 2020
Consumer Real Estate	$	395	$	1,546
Agricultural Real Estate		4,568		5,575
Agricultural		117		307
Commercial Real Estate		619		665
Commercial & Industrial		542		1,296
Consumer		7		15
Total	$	6,248	$	9,404

Risk Category of Loans by Portfolio Class

The following table represents the risk category of loans by portfolio class, net of deferred fees and costs, based on the most recent analysis performed as of September 30, 2021 and December 31, 2020:

	(In Thousands)
	Agricultural				Commercial		Commercial
	Real Estate		Agricultural		Real Estate		and Industrial		Other
September 30, 2021
1-2	$	9,647	$	4,902	$	11,306	$	11,867	$	-
3		40,914		25,170		222,396		42,616		10,956
4		110,166		74,802		458,886		134,690		20,140
5		4,638		301		7,872		1,098		-
6		13,686		547		26,958		4,015		-
7		-		-		-		-		-
8		-		-		-		-		-
Total	$	179,051	$	105,722	$	727,418	$	194,286	$	31,096

	Agricultural				Commercial		Commercial
	Real Estate		Agricultural		Real Estate		and Industrial		Other
December 31, 2020
1-2	$	11,960	$	5,093	$	11,001	$	38,486	$	-
3		38,306		23,779		165,201		26,515		4,651
4		112,465		63,480		396,076		114,108		11,106
5		7,478		1,577		4,010		3,266		-
6		18,617		561		11,366		4,796		-
7		-		-		-		1,115		-
8		-		-		-		-		-
Total	$	188,826	$	94,490	$	587,654	$	188,286	$	15,757

Recorded Investment for Consumer Loans, Credit Quality based on Status of Loan and Payment Activity

The following tables present the recorded investment in those classes based on payment activity and assigned risk grading as of September 30, 2021 and December 31, 2020.

	(In Thousands)
	Consumer		Consumer
	Real Estate		Real Estate
	September 30, 2021		December 31, 2020
Grade
Pass	$	199,470	$	171,667
Special Mention (5)		1,687		1,284
Substandard (6)		1,213		2,365
Doubtful (7)		-		-
Total	$	202,370	$	175,316

	(In Thousands)
	Consumer - Credit				Consumer - Other
	September 30, 2021		December 31, 2020		September 30, 2021		December 31, 2020
Performing	$	3,630	$	3,660	$	51,976	$	48,855
Nonperforming		-		10		13		136
Total	$	3,630	$	3,670	$	51,989	$	48,991

Schedule of Impaired Loans

Information about impaired loans as of September 30, 2021, December 31, 2020 and September 30, 2020 are as follows:

			(In Thousands)
	September 30, 2021		December 31, 2020		September 30, 2020
Impaired loans without a valuation allowance	$	2,461	$	5,172	$	5,134
Impaired loans with a valuation allowance		9,388		9,360		10,125
Total impaired loans	$	11,849	$	14,532	$	15,259
Valuation allowance related to impaired loans	$	2,400	$	1,657	$	1,198
Total non-accrual loans	$	6,248	$	9,404	$	7,870
Total loans past-due ninety days or more and    still accruing	$	-	$	-	$	-
Quarter ended average investment in impaired    loans	$	11,639	$	14,868	$	13,517
Year to date average investment in impaired    loans	$	12,360	$	10,234	$	8,613

Impaired Loans Classified as Troubled Debt Restructured

The following tables represent three and nine months ended September 30, 2021 and 2020:

Pre-

Post-

Pre-

Post-

Three Months

Number of

Modification

Modification

Nine Months

Number of

Modification

Modification

September 30, 2021

Contracts

Outstanding

Outstanding

September 30, 2021

Contracts

Outstanding

Outstanding

(in thousands)

Modified in the

Recorded

Recorded

(in thousands)

Modified in the

Recorded

Recorded

Troubled Debt Restructurings

Last Three Months

Investment

Investment

Troubled Debt Restructurings

Last Nine Months

Investment

Investment

Ag Real Estate

-

$

-

$

-

Ag Real Estate

-

$

-

$

-

Agricultural

-

-

-

Agricultural

-

-

-

Commercial Real Estate

-

-

-

Commercial Real Estate

1

382

382

Commercial and      Industrial

1

1,000

1,000

Commercial and      Industrial

1

1,000

1,000

Pre-

Post-

Pre-

Post-

Three Months

Number of

Modification

Modification

Nine Months

Number of

Modification

Modification

September 30, 2020

Contracts

Outstanding

Outstanding

September 30, 2020

Contracts

Outstanding

Outstanding

(in thousands)

Modified in the

Recorded

Recorded

(in thousands)

Modified in the

Recorded

Recorded

Troubled Debt Restructurings

Last Three Months

Investment

Investment

Troubled Debt Restructurings

Last Nine Months

Investment

Investment

Ag Real Estate

-

$

-

$

-

Ag Real Estate

2

$

5,380

$

5,380

Agricultural

-

-

-

Agricultural

1

164

164

Commercial Real Estate

-

-

-

Commercial Real Estate

2

981

981

Commercial and      Industrial

1

50

50

Commercial and      Industrial

1

50

50

Loans Individually Evaluated for Impairment by Portfolio Class of Loans

The following tables present loans individually evaluated for impairment by class of loans for the three and nine months ended September 30, 2021 and September 30, 2020 and for the year ended December 31, 2020.

	(In Thousands)
											QTD
							QTD		QTD		Interest
Three Months Ended September 30, 2021			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	714	$	714	$	-	$	453	$	1	$	3
Agricultural Real Estate		1,207		1,207		-		1,047		19		-
Agricultural		130		130		-		130		4		-
Commercial Real Estate		180		180		-		2,519		4		1
Commercial and Industrial		215		215		-		525		-		1
Consumer		15		15		-		16		-		-
With a specific allowance recorded:
Consumer Real Estate		-		-		-		-		-		-
Agricultural Real Estate		4,844		4,844		636		5,104		4		-
Agricultural		117		117		54		117		-		-
Commercial Real Estate		3,427		3,427		710		1,395		31		-
Commercial and Industrial		1,000		1,000		1,000		333		2		-
Consumer		-		-		-		-		-		-
Totals:
Consumer Real Estate	$	714	$	714	$	-	$	453	$	1	$	3
Agricultural Real Estate	$	6,051	$	6,051	$	636	$	6,151	$	23	$	-
Agricultural	$	247	$	247	$	54	$	247	$	4	$	-
Commercial Real Estate	$	3,607	$	3,607	$	710	$	3,914	$	35	$	1
Commercial and Industrial	$	1,215	$	1,215	$	1,000	$	858	$	2	$	1
Consumer	$	15	$	15	$	-	$	16	$	-	$	-

	(In Thousands)
											Interest
Year Ended December 31, 2020			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	799	$	799	$	-	$	738	$	22	$	10
Agricultural Real Estate		1,546		1,549		-		729		18		12
Agricultural		291		291		-		392		3		3
Commercial Real Estate		185		185		-		195		13		-
Commercial and Industrial		2,328		2,328		-		1,222		26		5
Consumer		23		23		-		16		-		-
With a specific allowance recorded:
Consumer Real Estate		202		202		31		126		-		3
Agricultural Real Estate		5,210		5,210		600		3,175		6		102
Agricultural		176		176		116		188		-		-
Commercial Real Estate		2,765		2,765		20		2,524		128		-
Commercial and Industrial		1,007		1,007		890		916		52		-
Consumer		-		-		-		11		1		-
Totals:
Consumer Real Estate	$	1,001	$	1,001	$	31	$	864	$	22	$	13
Agricultural Real Estate	$	6,756	$	6,759	$	600	$	3,904	$	24	$	114
Agricultural	$	467	$	467	$	116	$	580	$	3	$	3
Commercial Real Estate	$	2,950	$	2,950	$	20	$	2,719	$	141	$	-
Commercial and Industrial	$	3,335	$	3,335	$	890	$	2,138	$	78	$	5
Consumer	$	23	$	23	$	-	$	27	$	1	$	-

	(In Thousands)
											QTD
							QTD		QTD		Interest
Three Months Ended September 30, 2020			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	780	$	780	$	-	$	791	$	41	$	5
Agricultural Real Estate		1,589		1,589		-		873		2		-
Agricultural		533		533		-		375		4		1
Commercial Real Estate		186		186		-		186		1		-
Commercial and Industrial		2,021		2,021		-		1,190		5		-
Consumer		25		25		-		26		21		-
With a specific allowance recorded:
Consumer Real Estate		205		205		43		119		8		-
Agricultural Real Estate		5,425		5,425		432		5,450		2		-
Agricultural		188		188		28		342		3		-
Commercial Real Estate		3,033		3,033		44		3,046		-		-
Commercial and Industrial		1,274		1,274		651		1,119		3		-
Consumer		-		-		-		-		-		-
Totals:
Consumer Real Estate	$	985	$	985	$	43	$	910	$	49	$	5
Agricultural Real Estate	$	7,014	$	7,014	$	432	$	6,323	$	4	$	-
Agricultural	$	721	$	721	$	28	$	717	$	7	$	1
Commercial Real Estate	$	3,219	$	3,219	$	44	$	3,232	$	1	$	-
Commercial and Industrial	$	3,295	$	3,295	$	651	$	2,309	$	8	$	-
Consumer	$	25	$	25	$	-	$	26	$	21	$	-

	(In Thousands)
											YTD
							YTD		YTD		Interest
Nine Months Ended September 30, 2021			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	714	$	714	$	-	$	485	$	4	$	10
Agricultural Real Estate		1,207		1,207		-		1,191		53		-
Agricultural		130		130		-		161		8		-
Commercial Real Estate		180		180		-		1,768		38		7
Commercial and Industrial		215		215		-		1,206		24		4
Consumer		15		15		-		19		1		-
With a specific allowance recorded:
Consumer Real Estate		-		-		-		-		-		-
Agricultural Real Estate		4,844		4,844		636		5,273		15		-
Agricultural		117		117		54		123		4		-
Commercial Real Estate		3,427		3,427		710		1,800		58		3
Commercial and Industrial		1,000		1,000		1,000		334		2		-
Consumer		-		-		-		-		-		-
Totals:
Consumer Real Estate	$	714	$	714	$	-	$	485	$	4	$	10
Agricultural Real Estate	$	6,051	$	6,051	$	636	$	6,464	$	68	$	-
Agricultural	$	247	$	247	$	54	$	284	$	12	$	-
Commercial Real Estate	$	3,607	$	3,607	$	710	$	3,568	$	96	$	10
Commercial and Industrial	$	1,215	$	1,215	$	1,000	$	1,540	$	26	$	4
Consumer	$	15	$	15	$	-	$	19	$	1	$	-

	(In Thousands)
											YTD
							YTD		YTD		Interest
Nine Months Ended September 30, 2020			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	780	$	780	$	-	$	688	$	120	$	9
Agricultural Real Estate		1,589		1,589		-		451		6		-
Agricultural		533		533		-		367		9		1
Commercial Real Estate		186		186		-		199		3		-
Commercial and Industrial		2,021		2,021		-		819		18		-
Consumer		25		25		-		21		37		-
With a specific allowance recorded:
Consumer Real Estate		205		205		43		60		10		-
Agricultural Real Estate		5,425		5,425		432		2,475		7		-
Agricultural		188		188		28		208		6		-
Commercial Real Estate		3,033		3,033		44		2,389		-		-
Commercial and Industrial		1,274		1,274		651		929		10		-
Consumer		-		-		-		7		-		-
Totals:
Consumer Real Estate	$	985	$	985	$	43	$	748	$	130	$	9
Agricultural Real Estate	$	7,014	$	7,014	$	432	$	2,926	$	13	$	-
Agricultural	$	721	$	721	$	28	$	575	$	15	$	1
Commercial Real Estate	$	3,219	$	3,219	$	44	$	2,588	$	3	$	-
Commercial and Industrial	$	3,295	$	3,295	$	651	$	1,748	$	28	$	-
Consumer	$	25	$	25	$	-	$	28	$	37	$	-

Summary of Activities in Allowance for Credit Losses

The following tables summarize the activities in the allowance for credit losses.

	(In Thousands)
	Nine Months Ended			Twelve Months Ended
	September 30, 2021			December 31, 2020
Allowance for Loan & Lease Losses
Balance at beginning of year	$	13,672		$	7,228
Provision for loan loss		3,000			6,981
Loans charged off		(1,154	)		(720	)
Recoveries		180			183
Allowance for Loan & Lease Losses	$	15,698		$	13,672
Allowance for Unfunded Loan Commitments &       Letters of Credit	$	1,039		$	641
Total Allowance for Credit Losses	$	16,737		$	14,313

Analysis of Allowance for Credit Losses

Additional analysis, presented in thousands, related to the allowance for credit losses for the three and nine months ended September 30, 2021 and September 30, 2020 in addition to the ending balances as of December 31, 2020 is as follows:

	Consumer Real Estate			Agricultural Real Estate			Agricultural			Commercial Real Estate			Commercial and Industrial			Consumer			Unfunded Loan Commitment & Letters of Credit			Unallocated		Total
Three Months Ended September 30, 2021
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	649		$	1,217		$	720		$	8,831		$	2,837		$	613		$	1,145		$	220		16,232
Charge Offs		(2	)		-			(1	)		-			(5	)		(95	)		-			-		(103	)
Recoveries		3			-			1			3			9			39			-			-		55
Provision (Credit)		146			(291	)		(33	)		(469	)		973			49			-			284		659
Other Non-interest expense related to    unfunded		-			-			-			-			-			-			(106	)		-		(106	)
Ending Balance	$	796		$	926		$	687		$	8,365		$	3,814		$	606		$	1,039		$	504	$	16,737
Ending balance: individually evaluated    for impairment	$	-		$	636		$	54		$	710		$	1,000		$	-		$	-		$	-	$	2,400
Ending balance: collectively evaluated    for impairment	$	796		$	290		$	633		$	7,655		$	2,814		$	606		$	1,039		$	504	$	14,337
Ending balance: loans acquired with    deteriorated credit quality	$	-		$	-		$	-		$	-		$	-		$	-		$	-		$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	202,370		$	179,051		$	105,722		$	727,418		$	225,382		$	55,619		$	-		$	-	$	1,495,562
Ending balance: individually evaluated    for impairment	$	714		$	6,051		$	247		$	3,607		$	1,215		$	15		$	-		$	-	$	11,849
Ending balance: collectively evaluated    for impairment	$	201,595		$	173,000		$	105,475		$	723,577		$	223,803		$	55,604		$	-		$	-	$	1,483,054
Ending balance: loans acquired with    deteriorated credit quality	$	61		$	-		$	-		$	234		$	364		$	-		$	-		$	-	$	659

December 31, 2020	Consumer Real Estate		Agricultural Real Estate		Agricultural		Commercial Real Estate		Commercial and Industrial		Consumer		Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
ALLOWANCE FOR CREDIT LOSSES:
Ending Balance	$	633	$	958	$	701	$	7,415	$	3,346	$	606	$	641	$	13	$	14,313
Ending balance: individually evaluated for    impairment	$	31	$	600	$	116	$	20	$	890	$	-	$	-	$	-	$	1,657
Ending balance: collectively evaluated for    impairment	$	602	$	358	$	585	$	7,395	$	2,456	$	606	$	641	$	13	$	12,656
Ending balance: loans acquired with deteriorated    credit quality	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	175,316	$	188,826	$	94,490	$	587,654	$	204,043	$	52,661	$	-	$	-	$	1,302,990
Ending balance: individually evaluated for    impairment	$	1,001	$	6,756	$	467	$	2,950	$	3,335	$	23	$	-	$	-	$	14,532
Ending balance: collectively evaluated for    impairment	$	174,273	$	182,070	$	94,023	$	584,704	$	200,602	$	52,638	$	-	$	-	$	1,288,310
Ending balance: loans acquired with    deteriorated credit quality	$	42	$	-	$	-	$	-	$	106	$	-	$	-	$	-	$	148

	Consumer Real Estate			Agricultural Real Estate			Agricultural			Commercial Real Estate		Commercial and Industrial		Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
Three Months Ended September 30, 2020
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	570		$	813		$	1,036		$	4,458	$	2,423	$	561		$	605	$	72	$	10,538
Charge Offs		-			-			-			-		-		(79	)		-		-		(79	)
Recoveries		2			-			-			2		10		28			-		-		42
Provision (Credit)		(42	)		(51	)		(367	)		1,275		839		94			-		239		1,987
Other Non-interest expense related to    unfunded		-			-			-			-		-		-			28		-		28
Ending Balance	$	530		$	762		$	669		$	5,735	$	3,272	$	604		$	633	$	311	$	12,516
Ending balance: individually evaluated    for impairment	$	43		$	432		$	28		$	44	$	651	$	-		$	-	$	-	$	1,198
Ending balance: collectively evaluated    for impairment	$	487		$	330		$	641		$	5,691	$	2,621	$	604		$	633	$	311	$	11,318
Ending balance: loans acquired with    deteriorated credit quality	$	-		$	-		$	-		$	-	$	-	$	-		$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	175,595		$	192,577		$	103,476		$	593,936	$	244,823	$	53,455		$	-	$	-	$	1,363,862
Ending balance: individually evaluated    for impairment	$	985		$	7,014		$	721		$	3,219	$	3,295	$	25		$	-	$	-	$	15,259
Ending balance: collectively evaluated    for impairment	$	174,567		$	185,563		$	102,755		$	590,717	$	241,528	$	53,339		$	-	$	-	$	1,348,469
Ending balance: loans acquired with    deteriorated credit quality	$	43		$	-		$	-		$	-	$	-	$	91		$	-	$	-	$	134

	Consumer Real Estate			Agricultural Real Estate			Agricultural			Commercial Real Estate		Commercial and Industrial			Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
Nine Months Ended September 30, 2021
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	633		$	958		$	701		$	7,415	$	3,346		$	606		$	641	$	13	$	14,313
Charge Offs		(2	)		-			(143	)		-		(814	)		(195	)		-		-		(1,154	)
Recoveries		9			-			7			8		19			137			-		-		180
Provision (Credit)		156			(32	)		122			942		1,263			58			-		491		3,000
Other Non-interest expense related to    unfunded		-			-			-			-		-			-			398		-		398
Ending Balance	$	796		$	926		$	687		$	8,365	$	3,814		$	606		$	1,039	$	504	$	16,737
Ending balance: individually evaluated    for impairment	$	-		$	636		$	54		$	710	$	1,000		$	-		$	-	$	-	$	2,400
Ending balance: collectively evaluated    for impairment	$	796		$	290		$	633		$	7,655	$	2,814		$	606		$	1,039	$	504	$	14,337
Ending balance: loans acquired with    deteriorated credit quality	$	-		$	-		$	-		$	-	$	-		$	-		$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	202,370		$	179,051		$	105,722		$	727,418	$	225,382		$	55,619		$	-	$	-	$	1,495,562
Ending balance: individually evaluated    for impairment	$	714		$	6,051		$	247		$	3,607	$	1,215		$	15		$	-	$	-	$	11,849
Ending balance: collectively evaluated    for impairment	$	201,595		$	173,000		$	105,475		$	723,577	$	223,803		$	55,604		$	-	$	-	$	1,483,054
Ending balance: loans acquired with    deteriorated credit quality	$	61		$	-		$	-		$	234	$	364		$	-		$	-	$	-	$	659

	Consumer Real Estate			Agricultural Real Estate		Agricultural			Commercial Real Estate			Commercial and Industrial			Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
Nine Months Ended September 30, 2020
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	311		$	314	$	691		$	3,634		$	1,727		$	551		$	479	$	-	$	7,707
Charge Offs		(35	)		-		-			(8	)		(165	)		(272	)		-		-		(480	)
Recoveries		7			-		-			7			19			116			-		-		149
Provision (Credit)		247			448		(22	)		2,102			1,691			209			-		311		4,986
Other Non-interest expense related to    unfunded		-			-		-			-			-			-			154		-		154
Ending Balance	$	530		$	762	$	669		$	5,735		$	3,272		$	604		$	633	$	311	$	12,516
Ending balance: individually evaluated    for impairment	$	43		$	432	$	28		$	44		$	651		$	-		$	-	$	-	$	1,198
Ending balance: collectively evaluated    for impairment	$	487		$	330	$	641		$	5,691		$	2,621		$	604		$	633	$	311	$	11,318
Ending balance: loans acquired with    deteriorated credit quality	$	-		$	-	$	-		$	-		$	-		$	-		$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	175,595		$	192,577	$	103,476		$	593,936		$	244,823		$	53,455		$	-	$	-	$	1,363,862
Ending balance: individually evaluated    for impairment	$	985		$	7,014	$	721		$	3,219		$	3,295		$	25		$	-	$	-	$	15,259
Ending balance: collectively evaluated    for impairment	$	174,567		$	185,563	$	102,755		$	590,717		$	241,528		$	53,339		$	-	$	-	$	1,348,469
Ending balance: loans acquired with    deteriorated credit quality	$	43		$	-	$	-		$	-					$	91		$	-	$	-	$	134