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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Schedule of Composition of Loan Portfolio by Loan Class

The following table illustrates the composition of the Corporation’s loan portfolio by loan class as of the dates indicated:

			December 31, 2024						December 31, 2023
Commercial and industrial loans			$	4,114,292					$	3,670,948
Agricultural land, production and other loans to farmers			256,312						263,414
Real estate loans:
Construction			792,144						957,545
Commercial real estate, non-owner occupied			2,274,016						2,400,839
Commercial real estate, owner occupied			1,157,944						1,162,083
Residential			2,374,729						2,288,921
Home equity			659,811						617,571
Individuals' loans for household and other personal expenditures			166,028						168,388
Public finance and other commercial loans			1,059,083						956,318
Loans			$	12,854,359					$	12,486,027

Schedule of Credit Quality of Loan Portfolio by Loan Class

The following tables summarize the risk grading of the Corporation’s loan portfolio by loan class and gross charge-offs by year of origination for the years indicated. Consumer loans are not risk graded. For the purposes of this disclosure, the consumer loans are classified in the following manner: loans that are less than 30 days past due are Pass, loans 30-89 days past due are Special Mention and loans greater than 89 days past due are Substandard.  The entire balance of a loan is considered delinquent if the minimum payment contractually required to be made is not received by the specified due date.

December 31, 2024
			Term Loans (amortized cost basis by origination year)
			2024						2023						2022						2021						2020						Prior						Revolving loans amortized cost basis						Revolving loans converted to term						Total
Commercial and industrial loans
Pass			$	1,314,174					$	493,138					$	196,877					$	158,215					$	55,639					$	49,554					$	1,576,409					$	130					$	3,844,136
Special Mention			14,982						13,282						20,837						1,097						2,222						348						41,187						—						93,955
Substandard			29,238						32,285						26,973						7,249						1,081						1,134						75,649						513						174,122
Doubtful			1,473						606						—						—						—						—						—						—						2,079
Total Commercial and industrial loans			1,359,867						539,311						244,687						166,561						58,942						51,036						1,693,245						643						4,114,292
Current period gross write-offs			1,242						39,087						341						8,605						500						424						—						—						50,199
Agricultural land, production and other loans to farmers
Pass			28,600						23,070						30,518						26,442						27,105						29,930						84,502						—						250,167
Special Mention			169						—						245						—						446						422						528						—						1,810
Substandard			2,554						48						800						682						34						81						136						—						4,335
Total Agricultural land, production and other loans to farmers			31,323						23,118						31,563						27,124						27,585						30,433						85,166						—						256,312
Current period gross write-offs			—						—						—						—						—						—						—						—						—
Real estate loans:
Construction
Pass			241,622						203,829						114,794						31,864						6,398						8,549						12,836						—						619,892
Special Mention			74,879						21,853						19,019						15,214						—						40						—						—						131,005
Substandard			22,305						—						18,292						—						—						—						—						—						40,597
Doubtful			—						—						—						650						—						—						—						—						650
Total Construction			338,806						225,682						152,105						47,728						6,398						8,589						12,836						—						792,144
Current period gross write-offs			—						—						—						—						—						—						—						—						—
Commercial real estate, non-owner occupied
Pass			383,279						275,907						342,442						406,289						327,372						278,362						19,863						—						2,033,514
Special Mention			79,440						9,051						35,230						12,975						5,287						28,200						—						—						170,183
Substandard			34,215						2,506						6,737						6,656						18,607						1,598						—						—						70,319
Total Commercial real estate, non-owner occupied			496,934						287,464						384,409						425,920						351,266						308,160						19,863						—						2,274,016
Current period gross write-offs			—						339						3						—						—						1						—						—						343
Commercial real estate, owner occupied
Pass			194,703						141,964						164,725						217,319						198,314						127,431						31,573						—						1,076,029
Special Mention			1,887						11,013						7,555						9,910						8,603						1,951						460						—						41,379
Substandard			13,310						7,669						3,189						11,294						1,522						3,552						—						—						40,536
Total Commercial real estate, owner occupied			209,900						160,646						175,469						238,523						208,439						132,934						32,033						—						1,157,944
Current period gross write-offs			—						—						—						—						9						—						—						—						9
Residential
Pass			221,016						413,552						672,713						397,192						326,154						293,785						8,887						13						2,333,312
Special Mention			1,528						1,953						6,228						4,102						2,891						3,152						150						—						20,004
Substandard			1,306						1,912						8,849						3,989						1,216						3,794						347						—						21,413
Total Residential			223,850						417,417						687,790						405,283						330,261						300,731						9,384						13						2,374,729
Current period gross write-offs			—						173						779						136						20						288						—						—						1,396
Home equity
Pass			6,788						4,354						24,810						51,313						10,486						3,976						535,132						12,124						648,983
Special Mention			38						—						375						285						297						69						4,568						442						6,074
Substandard			61						—						572						815						—						96						2,244						966						4,754
Total Home Equity			6,887						4,354						25,757						52,413						10,783						4,141						541,944						13,532						659,811
Current period gross write-offs			—						10						35						22						—						267						—						—						334
Individuals' loans for household and other personal expenditures
Pass			40,819						21,867						31,356						10,520						2,276						4,693						53,180						180						164,891
Special Mention			153						234						347						175						59						40						128						—						1,136
Substandard			—						—						—						—						—						—						—						1						1
Total Individuals' loans for household and other personal expenditures			40,972						22,101						31,703						10,695						2,335						4,733						53,308						181						166,028
Current period gross write-offs			208						920						523						184						47						80						—						—						1,962
Public finance and other commercial loans
Pass			161,072						53,750						203,884						195,066						146,377						298,802						132						—						1,059,083
Total Public finance and other commercial loans			161,072						53,750						203,884						195,066						146,377						298,802						132						—						1,059,083
Loans			$	2,869,611					$	1,733,843					$	1,937,367					$	1,569,313					$	1,142,386					$	1,139,559					$	2,447,911					$	14,369					$	12,854,359
Total current period gross charge-offs			$	1,450					$	40,529					$	1,681					$	8,947					$	576					$	1,060					$	—					$	—					$	54,243

December 31, 2023
			Term Loans (amortized cost basis by origination year)
			2023						2022						2021						2020						2019						Prior						Revolving loans amortized cost basis						Revolving loans converted to term						Total
Commercial and industrial loans
Pass			$	1,175,967					$	474,601					$	253,148					$	86,226					$	47,910					$	45,020					$	1,393,756					$	60					$	3,476,688
Special Mention			34,356						3,911						1,546						5,149						2,986						241						45,994						—						94,183
Substandard			12,311						20,245						17,733						2,479						1,507						1,512						40,449						144						96,380
Doubtful			857						—						—						—						—						—						2,840						—						3,697
Total Commercial and industrial loans			1,223,491						498,757						272,427						93,854						52,403						46,773						1,483,039						204						3,670,948
Current period gross write-offs			13,973						2,711						576						5,665						78						261						—						—						23,264
Agricultural land, production and other loans to farmers
Pass			35,633						38,145						31,511						31,048						12,995						25,462						87,534						—						262,328
Special Mention			—						266						—						—						—						122						—						—						388
Substandard			58						150						—						454						—						36						—						—						698
Total Agricultural land, production and other loans to farmers			35,691						38,561						31,511						31,502						12,995						25,620						87,534						—						263,414
Current period gross write-offs			—						—						—						—						—						—						—						—						—
Real estate loans:
Construction
Pass			403,578						267,587						198,350						8,372						7,723						2,357						11,735						—						899,702
Special Mention			25,894						—						—						20,846						—						—						—						—						46,740
Substandard			1,451						4,330						5,322						—						—						—						—						—						11,103
Total Construction			430,923						271,917						203,672						29,218						7,723						2,357						11,735						—						957,545
Current period gross write-offs			—						—						—						—						—						—						—						—						—
Commercial real estate, non-owner occupied
Pass			373,378						504,280						535,327						418,553						141,320						200,821						16,744						—						2,190,423
Special Mention			76,382						21,145						7,005						4,531						19,479						27,941						37						—						156,520
Substandard			20,358						10,537						219						20,236						—						2,299						247						—						53,896
Total Commercial real estate, non-owner occupied			470,118						535,962						542,551						443,320						160,799						231,061						17,028						—						2,400,839
Current period gross write-offs			—						66						—						—						—						—						—						—						66
Commercial real estate, owner occupied
Pass			176,750						199,821						256,346						263,522						99,180						77,485						27,369						—						1,100,473
Special Mention			6,712						5,034						9,319						2,460						919						2,902						514						—						27,860
Substandard			18,092						3,712						4,183						4,545						289						2,929						—						—						33,750
Total Commercial real estate, owner occupied			201,554						208,567						269,848						270,527						100,388						83,316						27,883						—						1,162,083
Current period gross write-offs			48						—						—						—						2						—						—						—						50
Residential
Pass			395,363						695,056						442,495						365,297						98,654						254,718						4,988						83						2,256,654
Special Mention			2,167						5,591						3,202						1,924						1,065						4,837						200						81						19,067
Substandard			804						3,708						2,529						1,199						866						4,063						31						—						13,200
Total Residential			398,334						704,355						448,226						368,420						100,585						263,618						5,219						164						2,288,921
Current period gross write-offs			101						252						208						3						3						94						—						—						661
Home equity
Pass			9,375						29,784						61,591						11,084						1,092						3,875						484,330						5,837						606,968
Special Mention			—						715						—						1,092						15						2						5,031						149						7,004
Substandard			63						—						727						—						—						123						2,589						97						3,599
Total Home Equity			9,438						30,499						62,318						12,176						1,107						4,000						491,950						6,083						617,571
Current period gross write-offs			69						213						224						149						193						1,596						—						—						2,444
Individuals' loans for household and other personal expenditures
Pass			35,781						49,295						28,387						6,726						2,070						5,904						38,619						772						167,554
Special Mention			184						246						138						69						—						14						176						—						827
Substandard			—						6						—						—						1						—						—						—						7
Total Individuals' loans for household and other personal expenditures			35,965						49,547						28,525						6,795						2,071						5,918						38,795						772						168,388
Current period gross write-offs			147						770						342						77						62						156						—						—						1,554
Public finance and other commercial loans
Pass			65,357						208,347						204,863						155,132						91,619						229,355						1,645						—						956,318
Total Public finance and other commercial loans			65,357						208,347						204,863						155,132						91,619						229,355						1,645						—						956,318
Loans			$	2,870,871					$	2,546,512					$	2,063,941					$	1,410,944					$	529,690					$	892,018					$	2,164,828					$	7,223					$	12,486,027
Total current period gross charge-offs			$	14,338					$	4,012					$	1,350					$	5,894					$	338					$	2,107					$	—					$	—					$	28,039

The following tables present the amortized cost basis of collateral dependent loans by loan class and their respective collateral type, which are individually evaluated to determine expected credit losses, for December 31, 2024 and 2023. The total collateral dependent loans for December 31, 2024 increased $24.1 million from December 31, 2023. The primary changes were related to an increase of $22.6 million and $10.1 million, respectively, in the construction and commercial real estate, non-owner occupied loan classes, which was offset by a decrease of $8.6 million in the commercial and industrial loan class.

			December 31, 2024
			Commercial Real Estate						Residential Real Estate						Other						Total						Allowance on Collateral Dependent Loans
Commercial and industrial loans			$	—					$	—					$	23,455					$	23,455					$	7,803
Real estate loans:
Construction			—						22,652						—						22,652						—
Commercial real estate, non-owner occupied			27,583						—						—						27,583						4,295
Commercial real estate, owner occupied			9,748						—						—						9,748						—
Residential			—						1,174						—						1,174						189
Home equity			—						201						—						201						25
Loans			$	37,331					$	24,027					$	23,455					$	84,813					$	12,312

			December 31, 2023
			Commercial Real Estate						Residential Real Estate						Other						Total						Allowance on Collateral Dependent Loans
Commercial and industrial loans			$	—					$	—					$	32,029					$	32,029					$	11,474
Real estate loans:
Construction			—						7						—						7						—
Commercial real estate, non-owner occupied			17,516						—						—						17,516						35
Commercial real estate, owner occupied			9,452						—						—						9,452						—
Residential			—						1,439						—						1,439						230
Home equity			—						223						—						223						30
Loans			$	26,968					$	1,669					$	32,029					$	60,666					$	11,769

Schedule of Past Due Aging of Loan Portfolio by Loan Class

The tables below show a past due aging of the Corporation’s loan portfolio, by loan class, as of the dates indicated:

			December 31, 2024
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total						Loans > 90 Days or More Past Due And Accruing
Commercial and industrial loans			$	4,096,605					$	7,428					$	473					$	9,786					$	4,114,292					$	2,010
Agricultural land, production and other loans to farmers			256,148						164						—						—						256,312						—
Real estate loans:
Construction			761,819						4,332						22,005						3,988						792,144						3,683
Commercial real estate, non-owner occupied			2,259,549						2,407						1,718						10,342						2,274,016						—
Commercial real estate, owner occupied			1,153,861						3,783						—						300						1,157,944						—
Residential			2,337,002						12,302						6,606						18,819						2,374,729						208
Home equity			649,238						4,431						1,569						4,573						659,811						—
Individuals' loans for household and other personal expenditures			164,891						926						210						1						166,028						1
Public finance and other commercial loans			1,059,083						—						—						—						1,059,083						—
Loans			$	12,738,196					$	35,773					$	32,581					$	47,809					$	12,854,359					$	5,902

			December 31, 2023
			Current						30-59 Days Past Due						60-89 Days Past Due						90 Days or More Past Due						Total						Loans > 90 Days or More Past Due And Accruing
Commercial and industrial loans			$	3,657,447					$	5,021					$	1,622					$	6,858					$	3,670,948					$	86
Agricultural land, production and other loans to farmers			263,414						—						—						—						263,414						—
Real estate loans:
Construction			955,588						—						1,957						—						957,545						—
Commercial real estate, non-owner occupied			2,376,184						12,995						195						11,465						2,400,839						—
Commercial real estate, owner occupied			1,161,869						—						104						110						1,162,083						—
Residential			2,259,496						11,810						5,472						12,143						2,288,921						—
Home equity			608,948						3,614						1,647						3,362						617,571						52
Individuals' loans for household and other personal expenditures			167,553						635						192						8						168,388						—
Public finance and other commercial loans			956,284						—						—						34						956,318						34
Loans			$	12,406,783					$	34,075					$	11,189					$	33,980					$	12,486,027					$	172

Schedule of Non-Accrual Loans by Loan class

The following table summarizes the Corporation’s non-accrual loans by loan class as of the dates indicated:

			December 31, 2024												December 31, 2023
			Nonaccrual Loans						Nonaccrual Loans with no Allowance for Credit Losses						Nonaccrual Loans						Nonaccrual Loans with no Allowance for Credit Losses
Commercial and industrial loans			$	8,090					$	4,937					$	9,050					$	1,015
Agricultural land, production and other loans to farmers			75						—						58						—
Real estate loans:
Construction			24,629						22,650						520						—
Commercial real estate, non-owner occupied			12,118						10,153						11,932						11,095
Commercial real estate, owner occupied			2,440						1,904						3,041						2,257
Residential			21,491						—						25,140						—
Home equity			4,924						—						3,820						—
Individuals' loans for household and other personal expenditures			6						—						19						—
Loans			$	73,773					$	39,644					$	53,580					$	14,367

Schedule of Troubled Debt Restructuring

The following table presents the amortized cost basis of loans at December 31, 2024 and 2023 that were both experiencing financial difficulty and modified during the year ended December 31, 2024 and 2023, by class and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial distress as compared to the amortized cost basis of each class of financing receivable is also presented below.

			Year Ended December 31, 2024
			Loan Modifications Made to Borrowers Experiencing Financial Difficulty
			Payment Delay						Term Extension												Interest Rate Reduction						Combination Payment Delay & Term Extension						Combination Interest Rate Reduction & Term Extension												Combination Interest Rate Reduction, Term Extension, & Payment Delay						% of Total Class of Financing Receivable
Commercial and industrial loans			$	11,073					$	19,152											$	246					$	—					$	68											$	—					0.74		%
Agricultural land, production and other loans to farmers			2,230						—												—						—						—												—						0.87		%
Real estate loans:
Construction			—						2,393												—						22,000						—												—						3.08		%
Commercial real estate, non-owner occupied			—						18,933												—						—						—												—						0.83		%
Commercial real estate, owner occupied			—						6,133												—						—						—												—						0.53		%
Residential			2,509						340												—						683						43												532						0.17		%
Home equity			—						61												—						161						—												—						0.03		%
Total			$	15,812					$	47,012											$	246					$	22,844					$	111											$	532

			Year Ended December 31, 2023
			Loan Modifications Made to Borrowers Experiencing Financial Difficulty
			Payment Delay						Term Extension																		Combination Payment Delay & Term Extension						Combination Interest Rate Reduction & Term Extension																		% of Total Class of Financing Receivable
Commercial and industrial loans			$	857					$	16,572																	$	—					$	231																	0.48		%
Agricultural land, production and other loans to farmers			—						58																		—						—																		0.02		%
Real estate loans:
Construction			—						11																		—						—																		—		%
Commercial real estate, non-owner occupied			—						11,823																		—						7,657																		0.81		%
Commercial real estate, owner occupied			5,540						10,123																		—						71																		1.35		%
Residential			—						129																		469						—																		0.03		%
Home equity			—						63																		—						29																		0.01		%
Total			$	6,397					$	38,779																	$	469					$	7,988

The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the year ended December 31, 2024 and 2023.

Year Ended December 31, 2024

Financial Effect of Loan Modifications

Payment Delay

Term Extension

Interest Rate Reduction

Combination Payment Delay & Term Extension

Combination Interest Rate Reduction & Term Extension

Combination Interest Rate Reduction, Term Extension, & Payment Delay

Commercial and industrial loans

Provided payment deferrals with weighted average delayed amounts of $180,000.

Extended loans by a weighted average of 8 months.

Reduced the weighted average contractual interest rate from 9.00% to 8.00%.

Reduced the weighted average contractual interest rate from 10.24% to 7.90%. Extended loans by a weighted average of 67 months.

Agricultural land, production and other loans to farmers

Provided payment deferrals with weighted average delayed amounts of $17,000.

Real estate loans:

Construction

Extended loans by a weighted average of 6 months.

Provided payment deferrals with weighted average delayed amounts of $475,000. Extended loans by a weighted average of 2 months.

Commercial real estate, non-owner occupied

Extended loans by a weighted average of 16 months.

Commercial real estate, owner occupied

Extended loans by a weighted average of 12 months.

Residential

Provided payment deferrals with weighted average delayed amounts of $23,000.

Extended loans by a weighted average of 11 months.

Provided payment deferrals with weighted average delayed amounts of $8,000. Extended loans by a weighted average of 152 months.

Reduced the weighted average contractual interest rate from 8.00% to 6.00%. Extended loans by a weighted average of 120 months.

Reduced the weighted average contractual interest rate from 5.74% to 4.02%. Extended loans by a weighted average of 90 months. Provided payment deferrals with weighted average delayed amounts of $13,000.

Home equity

Extended loans by a weighted average of 5 months.

Provided payment deferrals with weighted average delayed amounts of $7,800. Extended loans by a weighted average of 60 months.

Year Ended December 31, 2023

Financial Effect of Loan Modifications

Payment Delay

Term Extension

Combination Payment Delay & Term Extension

Combination Interest Rate Reduction & Term Extension

Commercial and industrial loans

Provided payment deferrals with weighted average delayed amounts of $24,000.

Extended loans by a weighted average of 10 months.

Reduced the weighted average contractual interest rate from 9.67% to 7.39%. Extended loans by a weighted average of 13 months.

Agricultural land, production and other loans to farmers

Extended loans by a weighted average of 144 months.

Real estate loans:

Construction

Extended loans by a weighted average of 24 months.

Commercial real estate, non-owner occupied

Extended loans by a weighted average of 11 months.

Reduced the weighted average contractual interest rate from 8.57% to 7.89%. Extended loans by a weighted average of 34 months.

Commercial real estate, owner occupied

Provided payment deferrals with weighted average delayed amounts of $4.5 million.

Extended loans by a weighted average of 6 months.

Reduced the weighted average contractual interest rate from 10.25% to 6.61%. Extended loans by a weighted average of 114 months.

Residential

Extended loans by a weighted average of 6 months.

Provided payment deferrals with weighted average delayed amounts of $3,400. Extended loans by a weighted average of 3 months.

Home equity

Extended loans by a weighted average of 7 months.

Reduced the weighted average contractual interest rate from 9.25% to 7.25%. Extended loans by a weighted average of 240 months.

The Corporation closely monitors the performance of financial difficulty modifications to understand the effectiveness of its efforts. The following tables present the performance of financial difficulty modifications in the twelve months following modification.

			Year Ended December 31, 2024
			Current						30-59 Days Past Due						60-89 Days Past Due						90+ Days Past Due						Total
Commercial and industrial loans			$	26,208					$	2,858					$	—					$	1,473					$	30,539
Agricultural land, production and other loans to farmers			2,230						—						—						—						2,230
Real estate loans:
Construction			2,393						—						22,000						—						24,393
Commercial real estate, non-owner occupied			10,253						—						—						8,680						18,933
Commercial real estate, owner occupied			2,560						3,573						—						—						6,133
Residential			2,046						237						365						1,459						4,107
Home equity			222						—						—						—						222
Total			$	45,912					$	6,668					$	22,365					$	11,612					$	86,557

			Year Ended December 31, 2023
			Current												60-89 Days Past Due												Total
Commercial and industrial loans			$	17,660											$	—											$	17,660
Agricultural land, production and other loans to farmers			58												—												58
Real estate loans:
Construction			11												—												11
Commercial real estate, non-owner occupied			19,480												—												19,480
Commercial real estate, owner occupied			15,734												—												15,734
Residential			473												125												598
Home equity			92												—												92
Total			$	53,508											$	125											$	53,633

Schedule of Changes in Allowance for Loan Losses

The following tables summarize changes in the ACL - Loans by loan segment for the years ended December 31, 2024, 2023 and 2022:

			Year Ended December 31, 2024
			Commercial						Commercial Real Estate						Construction																		Consumer & Residential						Total
Allowance for credit losses - loans
Balances, December 31, 2023			$	97,348					$	44,048					$	24,823																	$	38,715					$	204,934
Provision for credit losses - loans			44,455						7,167						(15,039)																		617						37,200
Recoveries on loans			3,153						236						—																		1,477						4,866
Loans charged off			(50,199)						(352)						—																		(3,692)						(54,243)
Balances. December 31, 2024			$	94,757					$	51,099					$	9,784																	$	37,117					$	192,757

			Year Ended December 31, 2023
			Commercial						Commercial Real Estate						Construction																		Consumer & Residential						Total
Allowance for credit losses - loans
Balances, December 31, 2022			$	102,216					$	46,839					$	28,955																	$	45,267					$	223,277
Provision for credit losses - loans			17,401						(2,735)						(4,132)																		(3,234)						7,300
Recoveries on loans			995						60						—																		1,341						2,396
Loans charged off			(23,264)						(116)						—																		(4,659)						(28,039)
Balances. December 31, 2023			$	97,348					$	44,048					$	24,823																	$	38,715					$	204,934

			Year Ended December 31, 2022
			Commercial						Commercial Real Estate						Construction						Consumer & Residential						Total
Allowance for credit losses - loans
Balances, December 31, 2021			$	69,935					$	60,665					$	20,206					$	44,591					$	195,397
Provision for credit losses - loans			16,697						(20,425)						6,367						(2,639)						—
CECL Day 1 non-PCD provision for credit losses - loans			2,957						5,539						871						4,588						13,955
CECL Day 1 PCD ACL - loans			12,970						2,981						648						—						16,599
Recoveries on loans			872						1,096						863						1,096						3,927
Loans charged off			(1,215)						(3,017)						—						(2,369)						(6,601)
Balances. December 31, 2022			$	102,216					$	46,839					$	28,955					$	45,267					$	223,277

Schedule of Financial Instruments with Off-balance Sheet Risk

Financial instruments with off-balance sheet risk were as follows:

			December 31, 2024						December 31, 2023
Amounts of commitments:
Loan commitments to extend credit			$	5,006,085					$	5,025,790
Standby letters of credit			$	71,271					$	65,580

Schedule of Allowance for Credit Losses, Off-balance Sheet

The following table details activity in the ACL for off-balance sheet commitments:

			2024						2023
Balance, January 1			$	19,500					$	23,300
Provision for credit losses - unfunded commitments			(1,500)						(3,800)
Balance, December 31			$	18,000					$	19,500

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