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Loans (Tables) | 3 Months Ended
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Mar. 31, 2023
Receivables [Abstract] |
Schedule of Loans Classifications | Loans were comprised of the following classifications:
|  | March 31, 2023 |  | December 31, 2022
Commercial: |  |  |  |
Commercial and Industrial Loans |  | $ | 608,870 |  |  | $ | 620,106 |
Commercial Real Estate Loans |  | 2,000,237 |  |  | 1,966,884 |
Agricultural Loans |  | 378,587 |  |  | 417,413 |
Leases |  | 58,436 |  |  | 56,396 |
Retail: |  |  |  |
Home Equity Loans |  | 277,576 |  |  | 279,748 |
Consumer Loans |  | 80,502 |  |  | 79,904 |
Credit Cards |  | 18,320 |  |  | 17,512 |
Residential Mortgage Loans |  | 350,338 |  |  | 350,682 |
Subtotal |  | 3,772,866 |  |  | 3,788,645 |
Less: Unearned Income |  | (3,994) |  |  | (3,711) |
Allowance for Credit Losses |  | (44,315) |  |  | (44,168) |
Loans, net |  | $ | 3,724,557 |  |  | $ | 3,740,766 |
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, 2023 and 2022:
March 31, 2023 |  | 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 |  | $ | 13,749 |  |  | $ | 21,598 |  |  | $ | 4,188 |  |  | $ | 209 |  |  | $ | 595 |  |  | $ | 1,344 |  |  | $ | 257 |  |  | $ | 2,228 |  |  | $ | — |  |  | $ | 44,168 |
Provision (Benefit) for credit loss expense |  | 501 |  |  | 402 |  |  | (301) |  |  | 18 |  |  | 226 |  |  | 54 |  |  | 125 |  |  | 75 |  |  | — |  |  | 1,100 |
Loans charged-off |  | (733) |  |  | — |  |  | — |  |  | — |  |  | (345) |  |  | (14) |  |  | (120) |  |  | (26) |  |  | — |  |  | (1,238) |
Recoveries collected |  | 55 |  |  | 62 |  |  | — |  |  | — |  |  | 133 |  |  | 31 |  |  | 1 |  |  | 3 |  |  | — |  |  | 285 |
Total ending allowance balance |  | $ | 13,572 |  |  | $ | 22,062 |  |  | $ | 3,887 |  |  | $ | 227 |  |  | $ | 609 |  |  | $ | 1,415 |  |  | $ | 263 |  |  | $ | 2,280 |  |  | $ | — |  |  | $ | 44,315 |
March 31, 2022 |  | 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 |  | $ | 9,554 |  |  | $ | 19,245 |  |  | $ | 4,505 |  |  | $ | 200 |  |  | $ | 507 |  |  | $ | 1,061 |  |  | $ | 240 |  |  | $ | 1,705 |  |  | $ | — |  |  | $ | 37,017 |
Acquisition of Citizens Union Bank of Shelbyville, KY |  | 376 |  |  | 1,945 |  |  | 689 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 105 |  |  | — |  |  | 3,117 |
Provision (Benefit) for credit loss expense |  | 2,788 |  |  | 2,095 |  |  | (435) |  |  | (4) |  |  | 225 |  |  | 183 |  |  | 7 |  |  | 341 |  |  | — |  |  | 5,200 |
Loans charged-off |  | (5) |  |  | (78) |  |  | — |  |  | — |  |  | (210) |  |  | (37) |  |  | (39) |  |  | — |  |  | — |  |  | (369) |
Recoveries collected |  | 7 |  |  | 10 |  |  | — |  |  | — |  |  | 92 |  |  | — |  |  | 4 |  |  | — |  |  | — |  |  | 113 |
Total ending allowance balance |  | $ | 12,720 |  |  | $ | 23,217 |  |  | $ | 4,759 |  |  | $ | 196 |  |  | $ | 616 |  |  | $ | 1,207 |  |  | $ | 212 |  |  | $ | 2,151 |  |  | $ | — |  |  | $ | 45,078 |
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, 2023 and December 31, 2022:
March 31, 2023 |  | Non-Accrual With No Allowance for Credit Loss (1) |  | Total Non-Accrual |  | Loans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans |  | $ | 1,384 |  |  | $ | 8,583 |  |  | $ | — |
Commercial Real Estate Loans |  | 276 |  |  | 1,996 |  |  | 517 |
Agricultural Loans |  | 956 |  |  | 1,312 |  |  | 581 |
Leases |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 555 |  |  | 665 |  |  | — |
Consumer Loans |  | 6 |  |  | 14 |  |  | — |
Credit Cards |  | 145 |  |  | 145 |  |  | — |
Residential Mortgage Loans |  | 515 |  |  | 780 |  |  | — |
Total |  | $ | 3,837 |  |  | $ | 13,495 |  |  | $ | 1,098 |
(1) Non-accrual loans with no allowance for credit loss and are also included in Total Non-Accrual loans of $13,495.
December 31, 2022 |  | Non-Accrual With No Allowance for Credit Loss (1) |  | Total Non-Accrual |  | Loans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans |  | $ | 1,142 |  |  | $ | 7,936 |  |  | $ | 1,427 |
Commercial Real Estate Loans |  | 49 |  |  | 1,950 |  |  | — |
Agricultural Loans |  | 994 |  |  | 1,062 |  |  | — |
Leases |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 262 |  |  | 310 |  |  | — |
Consumer Loans |  | 240 |  |  | 254 |  |  | — |
Credit Cards |  | 146 |  |  | 146 |  |  | — |
Residential Mortgage Loans |  | 676 |  |  | 1,230 |  |  | — |
Total |  | $ | 3,509 |  |  | $ | 12,888 |  |  | $ | 1,427 |
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Total Non-Accrual loans of $12,888.
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, 2023 and December 31, 2022:
March 31, 2023 |  | Real Estate |  | Equipment |  | Accounts Receivable |  | Other |  | Total
Commercial and Industrial Loans |  | $ | 2,079 |  |  | $ | 962 |  |  | $ | 242 |  |  | $ | 6,803 |  |  | $ | 10,086 |
Commercial Real Estate Loans |  | 11,612 |  |  | 36 |  |  | — |  |  | — |  |  | 11,648 |
Agricultural Loans |  | 4,816 |  |  | 312 |  |  | — |  |  | — |  |  | 5,128 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 530 |  |  | — |  |  | — |  |  | — |  |  | 530 |
Consumer Loans |  | 8 |  |  | 4 |  |  | — |  |  | 3 |  |  | 15 |
Credit Cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential Mortgage Loans |  | 874 |  |  | — |  |  | — |  |  | — |  |  | 874 |
Total |  | $ | 19,919 |  |  | $ | 1,314 |  |  | $ | 242 |  |  | $ | 6,806 |  |  | $ | 28,281 |
December 31, 2022 |  | Real Estate |  | Equipment |  | Accounts Receivable |  | Other |  | Total
Commercial and Industrial Loans |  | $ | 2,078 |  |  | $ | 1,219 |  |  | $ | 272 |  |  | $ | 5,851 |  |  | $ | 9,420 |
Commercial Real Estate Loans |  | 12,192 |  |  | 36 |  |  | — |  |  | — |  |  | 12,228 |
Agricultural Loans |  | 4,944 |  |  | 318 |  |  | — |  |  | — |  |  | 5,262 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 467 |  |  | — |  |  | — |  |  | — |  |  | 467 |
Consumer Loans |  | 8 |  |  | 2 |  |  | — |  |  | 12 |  |  | 22 |
Credit Cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential Mortgage Loans |  | 1,060 |  |  | — |  |  | — |  |  | — |  |  | 1,060 |
Total |  | $ | 20,749 |  |  | $ | 1,575 |  |  | $ | 272 |  |  | $ | 5,863 |  |  | $ | 28,459 |
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, 2023 and December 31, 2022:
March 31, 2023 |  | 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 |  | $ | 1,165 |  |  | $ | 221 |  |  | $ | 6,916 |  |  | $ | 8,302 |  |  | $ | 600,568 |  |  | $ | 608,870 |
Commercial Real Estate Loans |  | 1,870 |  |  | 121 |  |  | 1,363 |  |  | 3,354 |  |  | 1,996,883 |  |  | 2,000,237 |
Agricultural Loans |  | 1,465 |  |  | 69 |  |  | 1,322 |  |  | 2,856 |  |  | 375,731 |  |  | 378,587 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | 58,436 |  |  | 58,436 |
Home Equity Loans |  | 1,571 |  |  | 230 |  |  | 665 |  |  | 2,466 |  |  | 275,110 |  |  | 277,576 |
Consumer Loans |  | 255 |  |  | 51 |  |  | 13 |  |  | 319 |  |  | 80,183 |  |  | 80,502 |
Credit Cards |  | 150 |  |  | 39 |  |  | 145 |  |  | 334 |  |  | 17,986 |  |  | 18,320 |
Residential Mortgage Loans |  | 5,437 |  |  | 201 |  |  | 552 |  |  | 6,190 |  |  | 344,148 |  |  | 350,338 |
Total |  | $ | 11,913 |  |  | $ | 932 |  |  | $ | 10,976 |  |  | $ | 23,821 |  |  | $ | 3,749,045 |  |  | $ | 3,772,866 |
December 31, 2022 |  | 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 |  | $ | 268 |  |  | $ | 681 |  |  | $ | 8,285 |  |  | $ | 9,234 |  |  | $ | 610,872 |  |  | $ | 620,106 |
Commercial Real Estate Loans |  | 1,617 |  |  | 14 |  |  | 616 |  |  | 2,247 |  |  | 1,964,637 |  |  | 1,966,884 |
Agricultural Loans |  | 343 |  |  | — |  |  | 123 |  |  | 466 |  |  | 416,947 |  |  | 417,413 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | 56,396 |  |  | 56,396 |
Home Equity Loans |  | 1,770 |  |  | 140 |  |  | 310 |  |  | 2,220 |  |  | 277,528 |  |  | 279,748 |
Consumer Loans |  | 219 |  |  | 64 |  |  | 252 |  |  | 535 |  |  | 79,369 |  |  | 79,904 |
Credit Cards |  | 86 |  |  | 24 |  |  | 146 |  |  | 256 |  |  | 17,256 |  |  | 17,512 |
Residential Mortgage Loans |  | 6,330 |  |  | 2,783 |  |  | 1,051 |  |  | 10,164 |  |  | 340,518 |  |  | 350,682 |
Total |  | $ | 10,633 |  |  | $ | 3,706 |  |  | $ | 10,783 |  |  | $ | 25,122 |  |  | $ | 3,763,523 |  |  | $ | 3,788,645 |
Schedule of Risk Category of Loans | Based on the analysis performed at March 31, 2023 and December 31, 2022, the risk category of loans by class of loans is as follows:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of March 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 23,934 |  |  | $ | 151,024 |  |  | $ | 103,507 |  |  | $ | 36,957 |  |  | $ | 42,665 |  |  | $ | 64,882 |  |  | $ | 155,521 |  |  | $ | 578,490 |
Special Mention |  | — |  |  | 55 |  |  | 574 |  |  | 713 |  |  | 673 |  |  | 1,649 |  |  | 1,990 |  |  | 5,654 |
Substandard |  | — |  |  | 1,171 |  |  | 5,403 |  |  | 479 |  |  | 1,223 |  |  | 2,425 |  |  | 14,025 |  |  | 24,726 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial & Industrial Loans |  | $ | 23,934 |  |  | $ | 152,250 |  |  | $ | 109,484 |  |  | $ | 38,149 |  |  | $ | 44,561 |  |  | $ | 68,956 |  |  | $ | 171,536 |  |  | $ | 608,870 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | 520 |  |  | $ | 32 |  |  | $ | 30 |  |  | $ | — |  |  | $ | 50 |  |  | $ | 101 |  |  | $ | 733 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 64,742 |  |  | $ | 414,758 |  |  | $ | 488,827 |  |  | $ | 249,845 |  |  | $ | 158,968 |  |  | $ | 530,615 |  |  | $ | 33,620 |  |  | $ | 1,941,375 |
Special Mention |  | — |  |  | 3,953 |  |  | 1,413 |  |  | 4,816 |  |  | 133 |  |  | 35,707 |  |  | — |  |  | 46,022 |
Substandard |  | — |  |  | 210 |  |  | 5,131 |  |  | 551 |  |  | 1,398 |  |  | 5,438 |  |  | 112 |  |  | 12,840 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate Loans |  | $ | 64,742 |  |  | $ | 418,921 |  |  | $ | 495,371 |  |  | $ | 255,212 |  |  | $ | 160,499 |  |  | $ | 571,760 |  |  | $ | 33,732 |  |  | $ | 2,000,237 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 10,620 |  |  | $ | 61,039 |  |  | $ | 45,959 |  |  | $ | 45,512 |  |  | $ | 24,363 |  |  | $ | 109,918 |  |  | $ | 47,769 |  |  | $ | 345,180 |
Special Mention |  | 1,608 |  |  | 333 |  |  | 833 |  |  | 5,991 |  |  | 2,837 |  |  | 12,289 |  |  | 3,139 |  |  | 27,030 |
Substandard |  | — |  |  | — |  |  | 208 |  |  | 625 |  |  | 419 |  |  | 5,100 |  |  | 25 |  |  | 6,377 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Agricultural Loans |  | $ | 12,228 |  |  | $ | 61,372 |  |  | $ | 47,000 |  |  | $ | 52,128 |  |  | $ | 27,619 |  |  | $ | 127,307 |  |  | $ | 50,933 |  |  | $ | 378,587 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 8,085 |  |  | $ | 8,904 |  |  | $ | 13,392 |  |  | $ | 18,227 |  |  | $ | 7,050 |  |  | $ | 2,778 |  |  | $ | — |  |  | $ | 58,436 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Leases |  | $ | 8,085 |  |  | $ | 8,904 |  |  | $ | 13,392 |  |  | $ | 18,227 |  |  | $ | 7,050 |  |  | $ | 2,778 |  |  | $ | — |  |  | $ | 58,436 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of December 31, 2022 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 156,318 |  |  | $ | 117,648 |  |  | $ | 39,949 |  |  | $ | 46,505 |  |  | $ | 18,423 |  |  | $ | 51,482 |  |  | $ | 154,203 |  |  | $ | 584,528 |
Special Mention |  | 56 |  |  | 148 |  |  | 577 |  |  | 78 |  |  | 551 |  |  | 2,346 |  |  | 1,672 |  |  | 5,428 |
Substandard |  | 1,714 |  |  | 5,629 |  |  | 849 |  |  | 1,304 |  |  | 1,028 |  |  | 2,237 |  |  | 17,389 |  |  | 30,150 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial & Industrial Loans |  | $ | 158,088 |  |  | $ | 123,425 |  |  | $ | 41,375 |  |  | $ | 47,887 |  |  | $ | 20,002 |  |  | $ | 56,065 |  |  | $ | 173,264 |  |  | $ | 620,106 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 398,631 |  |  | $ | 490,747 |  |  | $ | 261,462 |  |  | $ | 162,701 |  |  | $ | 129,151 |  |  | $ | 427,433 |  |  | $ | 35,163 |  |  | $ | 1,905,288 |
Special Mention |  | 3,982 |  |  | 1,568 |  |  | 4,612 |  |  | 135 |  |  | 13,689 |  |  | 25,371 |  |  | — |  |  | 49,357 |
Substandard |  | — |  |  | 4,628 |  |  | 489 |  |  | 1,415 |  |  | 979 |  |  | 4,728 |  |  | — |  |  | 12,239 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate Loans |  | $ | 402,613 |  |  | $ | 496,943 |  |  | $ | 266,563 |  |  | $ | 164,251 |  |  | $ | 143,819 |  |  | $ | 457,532 |  |  | $ | 35,163 |  |  | $ | 1,966,884 |
Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 62,673 |  |  | $ | 47,682 |  |  | $ | 47,355 |  |  | $ | 25,431 |  |  | $ | 21,728 |  |  | $ | 92,344 |  |  | $ | 83,862 |  |  | $ | 381,075 |
Special Mention |  | 634 |  |  | 842 |  |  | 6,066 |  |  | 4,149 |  |  | 2,355 |  |  | 11,440 |  |  | 4,310 |  |  | 29,796 |
Substandard |  | — |  |  | 210 |  |  | 628 |  |  | 429 |  |  | 85 |  |  | 5,190 |  |  | — |  |  | 6,542 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Agricultural Loans |  | $ | 63,307 |  |  | $ | 48,734 |  |  | $ | 54,049 |  |  | $ | 30,009 |  |  | $ | 24,168 |  |  | $ | 108,974 |  |  | $ | 88,172 |  |  | $ | 417,413 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 20,057 |  |  | $ | 14,461 |  |  | $ | 9,648 |  |  | $ | 8,901 |  |  | $ | 1,851 |  |  | $ | 1,478 |  |  | $ | — |  |  | $ | 56,396 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Leases |  | $ | 20,057 |  |  | $ | 14,461 |  |  | $ | 9,648 |  |  | $ | 8,901 |  |  | $ | 1,851 |  |  | $ | 1,478 |  |  | $ | — |  |  | $ | 56,396 |
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, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 13,674 |  |  | $ | 38,471 |  |  | $ | 16,603 |  |  | $ | 4,811 |  |  | $ | 1,969 |  |  | $ | 2,751 |  |  | $ | 2,209 |  |  | $ | 80,488 |
Nonperforming |  | — |  |  | 6 |  |  | 4 |  |  | 3 |  |  | — |  |  | 1 |  |  | — |  |  | 14 |
Total Consumer Loans |  | $ | 13,674 |  |  | $ | 38,477 |  |  | $ | 16,607 |  |  | $ | 4,814 |  |  | $ | 1,969 |  |  | $ | 2,752 |  |  | $ | 2,209 |  |  | $ | 80,502 |
Current Period Gross Charge-Offs |  | $ | 179 |  |  | $ | 126 |  |  | $ | 20 |  |  | $ | 16 |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 345 |
Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | 74 |  |  | $ | 153 |  |  | $ | 91 |  |  | $ | — |  |  | $ | 861 |  |  | $ | 275,732 |  |  | $ | 276,911 |
Nonperforming |  | — |  |  | 40 |  |  | 271 |  |  | — |  |  | 68 |  |  | 223 |  |  | 63 |  |  | 665 |
Total Home Equity Loans |  | $ | — |  |  | $ | 114 |  |  | $ | 424 |  |  | $ | 91 |  |  | $ | 68 |  |  | $ | 1,084 |  |  | $ | 275,795 |  |  | $ | 277,576 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | 10 |  |  | $ | 14 |
Residential Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 12,701 |  |  | $ | 69,799 |  |  | $ | 93,206 |  |  | $ | 44,964 |  |  | $ | 19,267 |  |  | $ | 109,621 |  |  | $ | — |  |  | $ | 349,558 |
Nonperforming |  | — |  |  | — |  |  | 140 |  |  | 208 |  |  | 109 |  |  | 323 |  |  | — |  |  | 780 |
Total Residential Mortgage Loans |  | $ | 12,701 |  |  | $ | 69,799 |  |  | $ | 93,346 |  |  | $ | 45,172 |  |  | $ | 19,376 |  |  | $ | 109,944 |  |  | $ | — |  |  | $ | 350,338 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | 21 |  |  | $ | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 26 |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of December 31, 2022 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 42,685 |  |  | $ | 22,708 |  |  | $ | 5,610 |  |  | $ | 2,394 |  |  | $ | 1,543 |  |  | $ | 1,553 |  |  | $ | 3,157 |  |  | $ | 79,650 |
Nonperforming |  | 3 |  |  | 19 |  |  | 212 |  |  | 8 |  |  | 2 |  |  | 10 |  |  | — |  |  | 254 |
Total Consumer Loans |  | $ | 42,688 |  |  | $ | 22,727 |  |  | $ | 5,822 |  |  | $ | 2,402 |  |  | $ | 1,545 |  |  | $ | 1,563 |  |  | $ | 3,157 |  |  | $ | 79,904 |
Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 63 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 591 |  |  | $ | 278,784 |  |  | $ | 279,438 |
Nonperforming |  | — |  |  | 20 |  |  | — |  |  | — |  |  | 19 |  |  | 1 |  |  | 270 |  |  | 310 |
Total Home Equity Loans |  | $ | 63 |  |  | $ | 20 |  |  | $ | — |  |  | $ | — |  |  | $ | 19 |  |  | $ | 592 |  |  | $ | 279,054 |  |  | $ | 279,748 |
Residential Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 69,982 |  |  | $ | 97,176 |  |  | $ | 46,851 |  |  | $ | 20,080 |  |  | $ | 16,664 |  |  | $ | 98,699 |  |  | $ | — |  |  | $ | 349,452 |
Nonperforming |  | — |  |  | 161 |  |  | 253 |  |  | — |  |  | 78 |  |  | 738 |  |  | — |  |  | 1,230 |
Total Residential Mortgage Loans |  | $ | 69,982 |  |  | $ | 97,337 |  |  | $ | 47,104 |  |  | $ | 20,080 |  |  | $ | 16,742 |  |  | $ | 99,437 |  |  | $ | — |  |  | $ | 350,682 |
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, 2023 |  | December 31, 2022
Performing |  | $ | 18,175 |  |  | $ | 17,366 |
Nonperforming |  | 145 |  |  | 146 |
Total |  | $ | 18,320 |  |  | $ | 17,512 |
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 and excludes the business combination activity:
March 31, 2023 |  | 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, 2022 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Total
Purchases |  | $ | 522 |  |  | $ | 411 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 933 |
Sales |  | — |  |  | 3,819 |  |  | 97 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,916 |

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