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Loans (Tables) | 3 Months Ended
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Mar. 31, 2021
Receivables [Abstract] |
Schedule of Loans Classifications | Loans were comprised of the following classifications:
|  | March 31, 2021 |  | December 31, 2020
Commercial: |  |  |  |
Commercial and Industrial Loans |  | $ | 672,300 |  |  | $ | 638,773 |
Commercial Real Estate Loans |  | 1,492,617 |  |  | 1,467,397 |
Agricultural Loans |  | 347,231 |  |  | 376,186 |
Leases |  | 55,714 |  |  | 55,664 |
Retail: |  |  |  |
Home Equity Loans |  | 212,306 |  |  | 219,348 |
Consumer Loans |  | 60,570 |  |  | 66,717 |
Credit Cards |  | 12,609 |  |  | 11,637 |
Residential Mortgage Loans |  | 267,634 |  |  | 256,276 |
Subtotal |  | 3,120,981 |  |  | 3,091,998 |
Less: Unearned Income |  | (3,778) |  |  | (3,926) |
Allowance for Credit Losses |  | (45,099) |  |  | (46,859) |
Loans, net |  | $ | 3,072,104 |  |  | $ | 3,041,213 |
Schedule of Allowance for Credit Losses for Loans | The following tables present the activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2021 and 2020:
March 31, 2021 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Unallocated |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 6,445 |  |  | $ | 29,878 |  |  | $ | 6,756 |  |  | $ | 200 |  |  | $ | 490 |  |  | $ | 996 |  |  | $ | 150 |  |  | $ | 1,944 |  |  | $ | — |  |  | $ | 46,859 |
Provision for credit loss expense |  | (22) |  |  | (1,334) |  |  | (294) |  |  | 1 |  |  | (18) |  |  | (31) |  |  | 59 |  |  | 139 |  |  | — |  |  | (1,500) |
Loans charged-off |  | (190) |  |  | (9) |  |  | — |  |  | — |  |  | (125) |  |  | — |  |  | (47) |  |  | (1) |  |  | — |  |  | (372) |
Recoveries collected |  | 15 |  |  | 5 |  |  | — |  |  | — |  |  | 92 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 112 |
Total ending allowance balance |  | $ | 6,248 |  |  | $ | 28,540 |  |  | $ | 6,462 |  |  | $ | 201 |  |  | $ | 439 |  |  | $ | 965 |  |  | $ | 162 |  |  | $ | 2,082 |  |  | $ | — |  |  | $ | 45,099 |
March 31, 2020 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Unallocated |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance prior to adoption of ASC 326 |  | $ | 4,799 |  |  | $ | 4,692 |  |  | $ | 5,315 |  |  | $ | — |  |  | $ | 434 |  |  | $ | 200 |  |  | $ | — |  |  | $ | 333 |  |  | $ | 505 |  |  | $ | 16,278 |
Impact of adopting ASC 326 |  | 2,245 |  |  | 3,063 |  |  | 1,438 |  |  | 105 |  |  | (59) |  |  | 762 |  |  | 124 |  |  | 1,594 |  |  | (505) |  |  | 8,767 |
Impact of adopting ASC 326 - PCD Loans |  | 2,191 |  |  | 4,385 |  |  | 128 |  |  | — |  |  | — |  |  | 35 |  |  | — |  |  | 147 |  |  | — |  |  | 6,886 |
Provision for credit loss expense |  | (137) |  |  | 5,167 |  |  | (396) |  |  | 67 |  |  | 205 |  |  | (20) |  |  | 35 |  |  | 229 |  |  | — |  |  | 5,150 |
Initial allowance on loans purchased with credit deterioration |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Loans charged-off |  | (296) |  |  | — |  |  | — |  |  | — |  |  | (237) |  |  | — |  |  | (36) |  |  | — |  |  | — |  |  | (569) |
Recoveries collected |  | 12 |  |  | 3 |  |  | — |  |  | — |  |  | 112 |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 129 |
Total ending allowance balance |  | $ | 8,814 |  |  | $ | 17,310 |  |  | $ | 6,485 |  |  | $ | 172 |  |  | $ | 455 |  |  | $ | 977 |  |  | $ | 124 |  |  | $ | 2,304 |  |  | $ | — |  |  | $ | 36,641 |
Schedule of Non-accrual and Past Due Loans | The following tables present the amortized cost in non-accrual loans and loans past due over 89 days still accruing by class of loans as of March 31, 2021 and December 31, 2020:
March 31, 2021 |  | Non-Accrual With No Allowance for Credit Loss (1) |  | Non-Accrual |  | Loans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans |  | $ | 4,061 |  |  | $ | 7,312 |  |  | $ | — |
Commercial Real Estate Loans |  | 3,144 |  |  | 10,133 |  |  | — |
Agricultural Loans |  | 1,220 |  |  | 1,841 |  |  | — |
Leases |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 293 |  |  | 293 |  |  | — |
Consumer Loans |  | 109 |  |  | 112 |  |  | — |
Credit Cards |  | 154 |  |  | 154 |  |  | — |
Residential Mortgage Loans |  | 480 |  |  | 1,149 |  |  | — |
Total |  | $ | 9,461 |  |  | $ | 20,994 |  |  | $ | — |
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Non-Accrual loans totaling $20,994.
December 31, 2020 |  | Non-Accrual With No Allowance for Credit Loss (1) |  | Non-Accrual |  | Loans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans |  | $ | 4,571 |  |  | $ | 8,133 |  |  | $ | — |
Commercial Real Estate Loans |  | 3,152 |  |  | 10,188 |  |  | — |
Agricultural Loans |  | 1,291 |  |  | 1,915 |  |  | — |
Leases |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 271 |  |  | 271 |  |  | — |
Consumer Loans |  | 77 |  |  | 84 |  |  | — |
Credit Cards |  | 86 |  |  | 86 |  |  | — |
Residential Mortgage Loans |  | 671 |  |  | 830 |  |  | — |
Total |  | $ | 10,119 |  |  | $ | 21,507 |  |  | $ | — |
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Non-Accrual loans totaling $21,507.
Schedule or Collateral-dependent Loans by Class | The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2021 and December 31, 2020:
March 31, 2021 |  | Real Estate |  | Equipment |  | Accounts Receivable |  | Other |  | Total
Commercial and Industrial Loans |  | $ | 4,350 |  |  | $ | 2,846 |  |  | $ | 639 |  |  | $ | 30 |  |  | $ | 7,865 |
Commercial Real Estate Loans |  | 11,629 |  |  | — |  |  | — |  |  | 1,472 |  |  | 13,101 |
Agricultural Loans |  | 2,980 |  |  | — |  |  | — |  |  | — |  |  | 2,980 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 406 |  |  | — |  |  | — |  |  | — |  |  | 406 |
Consumer Loans |  | 4 |  |  | — |  |  | — |  |  | 3 |  |  | 7 |
Credit Cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential Mortgage Loans |  | 1,320 |  |  | — |  |  | — |  |  | — |  |  | 1,320 |
Total |  | $ | 20,689 |  |  | $ | 2,846 |  |  | $ | 639 |  |  | $ | 1,505 |  |  | $ | 25,679 |
December 31, 2020 |  | Real Estate |  | Equipment |  | Accounts Receivable |  | Other |  | Total
Commercial and Industrial Loans |  | $ | 4,943 |  |  | $ | 3,014 |  |  | $ | 669 |  |  | $ | 154 |  |  | $ | 8,780 |
Commercial Real Estate Loans |  | 11,877 |  |  | — |  |  | — |  |  | 1,530 |  |  | 13,407 |
Agricultural Loans |  | 3,064 |  |  | — |  |  | — |  |  | — |  |  | 3,064 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 416 |  |  | — |  |  | — |  |  | — |  |  | 416 |
Consumer Loans |  | 4 |  |  | 4 |  |  | — |  |  | 3 |  |  | 11 |
Credit Cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential Mortgage Loans |  | 817 |  |  | — |  |  | — |  |  | — |  |  | 817 |
Total |  | $ | 21,121 |  |  | $ | 3,018 |  |  | $ | 669 |  |  | $ | 1,687 |  |  | $ | 26,495 |
Schedule of Aging of Past Due Loans | The following tables present the aging of the amortized cost basis in past due loans by class of loans as of March 31, 2021 and December 31, 2020:
March 31, 2021 |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Commercial and Industrial Loans |  | $ | 729 |  |  | $ | 384 |  |  | $ | 1,982 |  |  | $ | 3,095 |  |  | $ | 669,205 |  |  | $ | 672,300 |
Commercial Real Estate Loans |  | 158 |  |  | — |  |  | 8,526 |  |  | 8,684 |  |  | 1,483,933 |  |  | 1,492,617 |
Agricultural Loans |  | — |  |  | — |  |  | 651 |  |  | 651 |  |  | 346,580 |  |  | 347,231 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | 55,714 |  |  | 55,714 |
Home Equity Loans |  | 327 |  |  | 74 |  |  | 293 |  |  | 694 |  |  | 211,612 |  |  | 212,306 |
Consumer Loans |  | 328 |  |  | 38 |  |  | 94 |  |  | 460 |  |  | 60,110 |  |  | 60,570 |
Credit Cards |  | 26 |  |  | 5 |  |  | 154 |  |  | 185 |  |  | 12,424 |  |  | 12,609 |
Residential Mortgage Loans |  | 3,014 |  |  | 35 |  |  | 918 |  |  | 3,967 |  |  | 263,667 |  |  | 267,634 |
Total |  | $ | 4,582 |  |  | $ | 536 |  |  | $ | 12,618 |  |  | $ | 17,736 |  |  | $ | 3,103,245 |  |  | $ | 3,120,981 |
December 31, 2020 |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Commercial and Industrial Loans |  | $ | 477 |  |  | $ | 909 |  |  | $ | 2,441 |  |  | $ | 3,827 |  |  | $ | 634,946 |  |  | $ | 638,773 |
Commercial Real Estate Loans |  | 5 |  |  | 4,877 |  |  | 3,682 |  |  | 8,564 |  |  | 1,458,833 |  |  | 1,467,397 |
Agricultural Loans |  | — |  |  | — |  |  | 651 |  |  | 651 |  |  | 375,535 |  |  | 376,186 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | 55,664 |  |  | 55,664 |
Home Equity Loans |  | 672 |  |  | 5 |  |  | 271 |  |  | 948 |  |  | 218,400 |  |  | 219,348 |
Consumer Loans |  | 233 |  |  | 84 |  |  | 65 |  |  | 382 |  |  | 66,335 |  |  | 66,717 |
Credit Cards |  | 95 |  |  | 80 |  |  | 86 |  |  | 261 |  |  | 11,376 |  |  | 11,637 |
Residential Mortgage Loans |  | 3,737 |  |  | 1,590 |  |  | 529 |  |  | 5,856 |  |  | 250,420 |  |  | 256,276 |
Total |  | $ | 5,219 |  |  | $ | 7,545 |  |  | $ | 7,725 |  |  | $ | 20,489 |  |  | $ | 3,071,509 |  |  | $ | 3,091,998 |
Schedule of Payment Modifications |
|  |  |  |  |  | % of Loan Category (Excludes PPP Loans)
Type of Loans (dollars in thousands) |  | Number of Loans |  | Outstanding Balance |  | As of 3/31/2021 |  | As of 12/31/2020
Commercial & Industrial Loans |  | 4 |  |  | $ | 4,413 |  |  | 0.9 | % |  | 0.8 | %
Commercial Real Estate Loans |  | 15 |  |  | 36,137 |  |  | 2.4 | % |  | 3.0 | %
Agricultural Loans |  | — |  |  | — |  |  | — | % |  | — | %
Consumer Loans |  | 2 |  |  | 40 |  |  | n/m (1) |  | n/m (1)
Residential Mortgage Loans |  | 2 |  |  | 173 |  |  | 0.1 | % |  | 0.1 | %
Total |  | 23 |  |  | $ | 40,763 |  |  | 1.4 | % |  | 1.7 | %
(1) n/m = not meaningful
Schedule of Risk Category of Loans | Based on the analysis performed at March 31, 2021 and December 31, 2020, the risk category of loans by class of loans is as follows:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of March 31, 2021 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 176,630 |  |  | $ | 165,352 |  |  | $ | 78,654 |  |  | $ | 41,565 |  |  | $ | 28,684 |  |  | $ | 64,123 |  |  | $ | 85,946 |  |  | $ | 640,954 |
Special Mention |  | — |  |  | 573 |  |  | 1,011 |  |  | 1,996 |  |  | 1,585 |  |  | 2,070 |  |  | 9,313 |  |  | 16,548 |
Substandard |  | — |  |  | 186 |  |  | 154 |  |  | 1,876 |  |  | 1,493 |  |  | 5,156 |  |  | 5,933 |  |  | 14,798 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial & Industrial Loans |  | $ | 176,630 |  |  | $ | 166,111 |  |  | $ | 79,819 |  |  | $ | 45,437 |  |  | $ | 31,762 |  |  | $ | 71,349 |  |  | $ | 101,192 |  |  | $ | 672,300 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 89,120 |  |  | $ | 301,184 |  |  | $ | 210,976 |  |  | $ | 168,708 |  |  | $ | 167,909 |  |  | $ | 436,255 |  |  | $ | 29,556 |  |  | $ | 1,403,708 |
Special Mention |  | — |  |  | 1,628 |  |  | 1,222 |  |  | 15,387 |  |  | 23,220 |  |  | 20,791 |  |  | — |  |  | 62,248 |
Substandard |  | — |  |  | — |  |  | 8,365 |  |  | 1,722 |  |  | 1,657 |  |  | 14,817 |  |  | 100 |  |  | 26,661 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate Loans |  | $ | 89,120 |  |  | $ | 302,812 |  |  | $ | 220,563 |  |  | $ | 185,817 |  |  | $ | 192,786 |  |  | $ | 471,863 |  |  | $ | 29,656 |  |  | $ | 1,492,617 |
Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 13,084 |  |  | $ | 43,509 |  |  | $ | 24,244 |  |  | $ | 28,419 |  |  | $ | 27,630 |  |  | $ | 81,385 |  |  | $ | 55,256 |  |  | $ | 273,527 |
Special Mention |  | 636 |  |  | 13,445 |  |  | 9,806 |  |  | 3,262 |  |  | 8,765 |  |  | 13,227 |  |  | 12,900 |  |  | 62,041 |
Substandard |  | — |  |  | 578 |  |  | 73 |  |  | 384 |  |  | 1,156 |  |  | 9,472 |  |  | — |  |  | 11,663 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Agricultural Loans |  | $ | 13,720 |  |  | $ | 57,532 |  |  | $ | 34,123 |  |  | $ | 32,065 |  |  | $ | 37,551 |  |  | $ | 104,084 |  |  | $ | 68,156 |  |  | $ | 347,231 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 4,996 |  |  | $ | 16,615 |  |  | $ | 16,616 |  |  | $ | 8,235 |  |  | $ | 4,643 |  |  | $ | 4,609 |  |  | $ | — |  |  | $ | 55,714 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Leases |  | $ | 4,996 |  |  | $ | 16,615 |  |  | $ | 16,616 |  |  | $ | 8,235 |  |  | $ | 4,643 |  |  | $ | 4,609 |  |  | $ | — |  |  | $ | 55,714 |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of December 31, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 260,027 |  |  | $ | 88,273 |  |  | $ | 46,681 |  |  | $ | 31,612 |  |  | $ | 21,025 |  |  | $ | 48,508 |  |  | $ | 109,228 |  |  | $ | 605,354 |
Special Mention |  | 618 |  |  | 1,102 |  |  | 2,756 |  |  | 1,739 |  |  | 206 |  |  | 1,972 |  |  | 9,948 |  |  | 18,341 |
Substandard |  | 143 |  |  | 164 |  |  | 1,283 |  |  | 1,530 |  |  | 607 |  |  | 5,416 |  |  | 5,935 |  |  | 15,078 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial & Industrial Loans |  | $ | 260,788 |  |  | $ | 89,539 |  |  | $ | 50,720 |  |  | $ | 34,881 |  |  | $ | 21,838 |  |  | $ | 55,896 |  |  | $ | 125,111 |  |  | $ | 638,773 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 296,265 |  |  | $ | 215,226 |  |  | $ | 179,129 |  |  | $ | 183,703 |  |  | $ | 171,016 |  |  | $ | 295,641 |  |  | $ | 29,634 |  |  | $ | 1,370,614 |
Special Mention |  | 883 |  |  | 9,361 |  |  | 15,232 |  |  | 23,489 |  |  | 7,578 |  |  | 20,294 |  |  | 147 |  |  | 76,984 |
Substandard |  | — |  |  | 1,131 |  |  | 1,735 |  |  | 1,692 |  |  | 4,292 |  |  | 10,849 |  |  | 100 |  |  | 19,799 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate Loans |  | $ | 297,148 |  |  | $ | 225,718 |  |  | $ | 196,096 |  |  | $ | 208,884 |  |  | $ | 182,886 |  |  | $ | 326,784 |  |  | $ | 29,881 |  |  | $ | 1,467,397 |
Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 49,242 |  |  | $ | 25,449 |  |  | $ | 31,285 |  |  | $ | 32,368 |  |  | $ | 22,702 |  |  | $ | 64,890 |  |  | $ | 75,871 |  |  | $ | 301,807 |
Special Mention |  | 11,503 |  |  | 9,911 |  |  | 3,111 |  |  | 8,767 |  |  | 2,707 |  |  | 10,125 |  |  | 16,318 |  |  | 62,442 |
Substandard |  | 578 |  |  | 73 |  |  | 394 |  |  | 1,228 |  |  | 4,466 |  |  | 5,198 |  |  | — |  |  | 11,937 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Agricultural Loans |  | $ | 61,323 |  |  | $ | 35,433 |  |  | $ | 34,790 |  |  | $ | 42,363 |  |  | $ | 29,875 |  |  | $ | 80,213 |  |  | $ | 92,189 |  |  | $ | 376,186 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 18,258 |  |  | $ | 17,517 |  |  | $ | 9,176 |  |  | $ | 5,415 |  |  | $ | 1,605 |  |  | $ | 3,693 |  |  | $ | — |  |  | $ | 55,664 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Leases |  | $ | 18,258 |  |  | $ | 17,517 |  |  | $ | 9,176 |  |  | $ | 5,415 |  |  | $ | 1,605 |  |  | $ | 3,693 |  |  | $ | — |  |  | $ | 55,664 |
Schedule of Residential, Home Equity and Consumer Loans Based on Payment Activity | The following tables present the amortized cost in residential, home equity and consumer loans based on payment activity.
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of March 31, 2021 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 8,563 |  |  | $ | 28,248 |  |  | $ | 9,349 |  |  | $ | 7,567 |  |  | $ | 1,669 |  |  | $ | 2,757 |  |  | $ | 2,305 |  |  | $ | 60,458 |
Nonperforming |  | — |  |  | — |  |  | 32 |  |  | 10 |  |  | 2 |  |  | 33 |  |  | 35 |  |  | 112 |
Total Consumer Loans |  | $ | 8,563 |  |  | $ | 28,248 |  |  | $ | 9,381 |  |  | $ | 7,577 |  |  | $ | 1,671 |  |  | $ | 2,790 |  |  | $ | 2,340 |  |  | $ | 60,570 |
Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 55 |  |  | $ | 46 |  |  | $ | 540 |  |  | $ | 211,372 |  |  | $ | 212,013 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 293 |  |  | 293 |
Total Home Equity Loans |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 55 |  |  | $ | 46 |  |  | $ | 540 |  |  | $ | 211,665 |  |  | $ | 212,306 |
Residential Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 33,640 |  |  | $ | 45,639 |  |  | $ | 22,574 |  |  | $ | 23,597 |  |  | $ | 27,040 |  |  | $ | 113,996 |  |  | $ | — |  |  | $ | 266,486 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,148 |  |  | — |  |  | 1,148 |
Total Residential Mortgage Loans |  | $ | 33,640 |  |  | $ | 45,639 |  |  | $ | 22,574 |  |  | $ | 23,597 |  |  | $ | 27,040 |  |  | $ | 115,144 |  |  | $ | — |  |  | $ | 267,634 |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of December 31, 2020 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 33,857 |  |  | $ | 16,486 |  |  | $ | 8,456 |  |  | $ | 2,115 |  |  | $ | 910 |  |  | $ | 2,245 |  |  | $ | 2,563 |  |  | $ | 66,632 |
Nonperforming |  | — |  |  | — |  |  | 11 |  |  | 2 |  |  | 14 |  |  | 23 |  |  | 35 |  |  | 85 |
Total Consumer Loans |  | $ | 33,857 |  |  | $ | 16,486 |  |  | $ | 8,467 |  |  | $ | 2,117 |  |  | $ | 924 |  |  | $ | 2,268 |  |  | $ | 2,598 |  |  | $ | 66,717 |
Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | 34 |  |  | $ | 46 |  |  | $ | 67 |  |  | $ | 490 |  |  | $ | 218,440 |  |  | $ | 219,077 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 271 |  |  | 271 |
Total Home Equity Loans |  | $ | — |  |  | $ | — |  |  | $ | 34 |  |  | $ | 46 |  |  | $ | 67 |  |  | $ | 490 |  |  | $ | 218,711 |  |  | $ | 219,348 |
Residential Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 45,945 |  |  | $ | 26,536 |  |  | $ | 28,050 |  |  | $ | 28,764 |  |  | $ | 25,155 |  |  | $ | 100,998 |  |  | $ | — |  |  | $ | 255,448 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 828 |  |  | — |  |  | 828 |
Total Residential Mortgage Loans |  | $ | 45,945 |  |  | $ | 26,536 |  |  | $ | 28,050 |  |  | $ | 28,764 |  |  | $ | 25,155 |  |  | $ | 101,826 |  |  | $ | — |  |  | $ | 256,276 |
Schedule of Recorded Investment in Credit Cards Based on Payment Activity | The following table presents the recorded investment in credit cards based on payment activity:
Credit Cards |  | March 31, 2021 |  | December 31, 2020
Performing |  | $ | 12,455 |  |  | $ | 11,551 |
Nonperforming |  | 154 |  |  | 86 |
Total |  | $ | 12,609 |  |  | $ | 11,637 |
Schedule of Loans Purchased and/or Sold During the Year | The following tables present loans purchased and/or sold during the year by portfolio segment:
March 31, 2021 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Total
Purchases |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Sales |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2020 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Total
Purchases |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Sales |  | — |  |  | 3,128 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,128 |

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