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Loans (Tables) | 12 Months Ended
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Dec. 31, 2023
Receivables [Abstract] |
Schedule of Loans Classifications | Loans were comprised of the following classifications at December 31:
|  | 2023 |  | 2022
Commercial: |  |  |  |
Commercial and Industrial Loans |  | $ | 589,541 |  |  | $ | 620,106 |
Commercial Real Estate Loans |  | 2,121,835 |  |  | 1,966,884 |
Agricultural Loans |  | 423,803 |  |  | 417,413 |
Leases |  | 71,988 |  |  | 56,396 |
Retail: |  |  |  |
Home Equity Loans |  | 299,685 |  |  | 279,748 |
Consumer Loans |  | 87,853 |  |  | 79,904 |
Credit Cards |  | 20,351 |  |  | 17,512 |
Residential Mortgage Loans |  | 362,844 |  |  | 350,682 |
Subtotal |  | 3,977,900 |  |  | 3,788,645 |
Less: Unearned Income |  | (6,818) |  |  | (3,711) |
Allowance for Credit Losses |  | (43,765) |  |  | (44,168) |
Loans, net |  | $ | 3,927,317 |  |  | $ | 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 years ended December 31, 2023, 2022 and 2021:
December 31, 2023 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | 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 Losses |  | (4,190) |  |  | 4,305 |  |  | (324) |  |  | 137 |  |  | 919 |  |  | 551 |  |  | 563 |  |  | 589 |  |  | 2,550 |
Loans Charged-off |  | (1,792) |  |  | (56) |  |  | (27) |  |  | — |  |  | (1,309) |  |  | (94) |  |  | (455) |  |  | (58) |  |  | (3,791) |
Recoveries Collected |  | 154 |  |  | 76 |  |  | — |  |  | — |  |  | 554 |  |  | 33 |  |  | 18 |  |  | 3 |  |  | 838 |
Total Ending Allowance Balance |  | $ | 7,921 |  |  | $ | 25,923 |  |  | $ | 3,837 |  |  | $ | 346 |  |  | $ | 759 |  |  | $ | 1,834 |  |  | $ | 383 |  |  | $ | 2,762 |  |  | $ | 43,765 |
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
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 - PCD Loans |  | 376 |  |  | 1,945 |  |  | 689 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 105 |  |  | 3,117 |
Provision (Benefit) for Credit Losses |  | 4,942 |  |  | 463 |  |  | (1,006) |  |  | 9 |  |  | 991 |  |  | 351 |  |  | 163 |  |  | 437 |  |  | 6,350 |
Loans Charged-off |  | (1,149) |  |  | (79) |  |  | — |  |  | — |  |  | (1,364) |  |  | (69) |  |  | (165) |  |  | (24) |  |  | (2,850) |
Recoveries Collected |  | 26 |  |  | 24 |  |  | — |  |  | — |  |  | 459 |  |  | 1 |  |  | 19 |  |  | 5 |  |  | 534 |
Total Ending Allowance Balance |  | $ | 13,749 |  |  | $ | 21,598 |  |  | $ | 4,188 |  |  | $ | 209 |  |  | $ | 595 |  |  | $ | 1,344 |  |  | $ | 257 |  |  | $ | 2,228 |  |  | $ | 44,168 |
December 31, 2021 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Total
Allowance for Credit Losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 6,445 |  |  | $ | 29,878 |  |  | $ | 6,756 |  |  | $ | 200 |  |  | $ | 490 |  |  | $ | 996 |  |  | $ | 150 |  |  | $ | 1,944 |  |  | $ | 46,859 |
Provision (Benefit) for Credit Losses |  | 5,825 |  |  | (10,663) |  |  | (2,251) |  |  | — |  |  | 385 |  |  | 44 |  |  | 387 |  |  | (227) |  |  | (6,500) |
Loans Charged-off |  | (2,777) |  |  | (10) |  |  | — |  |  | — |  |  | (675) |  |  | (15) |  |  | (313) |  |  | (45) |  |  | (3,835) |
Recoveries Collected |  | 61 |  |  | 40 |  |  | — |  |  | — |  |  | 307 |  |  | 36 |  |  | 16 |  |  | 33 |  |  | 493 |
Total Ending Allowance Balance |  | $ | 9,554 |  |  | $ | 19,245 |  |  | $ | 4,505 |  |  | $ | 200 |  |  | $ | 507 |  |  | $ | 1,061 |  |  | $ | 240 |  |  | $ | 1,705 |  |  | $ | 37,017 |
Schedule of Non-accrual and Loans Past Due Over 89 Days Still Accruing | The following tables present the amortized cost basis of loans on non-accrual status and loans past due over 89 days still accruing as of December 31, 2023 and 2022:
December 31, 2023 |  | Non-Accrual With No Allowance for Credit Loss ⁽¹⁾ |  | Non-Accrual |  | Loans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans |  | $ | 1,864 |  |  | $ | 3,707 |  |  | $ | — |
Commercial Real Estate Loans |  | 942 |  |  | 1,889 |  |  | 55 |
Agricultural Loans |  | 665 |  |  | 879 |  |  | — |
Leases |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 1,033 |  |  | 1,033 |  |  | — |
Consumer Loans |  | 111 |  |  | 111 |  |  | — |
Credit Cards |  | 142 |  |  | 142 |  |  | — |
Residential Mortgage Loans |  | 1,125 |  |  | 1,375 |  |  | — |
Total |  | $ | 5,882 |  |  | $ | 9,136 |  |  | $ | 55 |
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Non-Accrual loans totaling $9,136.
December 31, 2022 |  | Non-Accrual With No Allowance for Credit Loss ⁽¹⁾ |  | 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 Non-Accrual loans totaling $12,888
Schedule of Collateral-dependent Loans | The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2023 and 2022:
December 31, 2023 |  | Real Estate |  | Equipment |  | Accounts Receivable |  | Other |  | Total
Commercial and Industrial Loans |  | $ | 3,668 |  |  | $ | 49 |  |  | $ | — |  |  | $ | 1,888 |  |  | $ | 5,605 |
Commercial Real Estate Loans |  | 8,553 |  |  | — |  |  | — |  |  | — |  |  | 8,553 |
Agricultural Loans |  | 3,338 |  |  | 1,055 |  |  | — |  |  | — |  |  | 4,393 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 420 |  |  | — |  |  | — |  |  | — |  |  | 420 |
Consumer Loans |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Credit Cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential Mortgage Loans |  | 753 |  |  | — |  |  | — |  |  | — |  |  | 753 |
Total |  | $ | 16,741 |  |  | $ | 1,104 |  |  | $ | — |  |  | $ | 1,888 |  |  | $ | 19,733 |
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 December 31, 2023 and 2022:
December 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 |  | $ | 832 |  |  | $ | 257 |  |  | $ | 3,299 |  |  | $ | 4,388 |  |  | $ | 585,153 |  |  | $ | 589,541 |
Commercial Real Estate Loans |  | 1,215 |  |  | 484 |  |  | 938 |  |  | 2,637 |  |  | 2,119,198 |  |  | 2,121,835 |
Agricultural Loans |  | 5 |  |  | 248 |  |  | 497 |  |  | 750 |  |  | 423,053 |  |  | 423,803 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | 71,988 |  |  | 71,988 |
Home Equity Loans |  | 1,016 |  |  | 571 |  |  | 1,033 |  |  | 2,620 |  |  | 297,065 |  |  | 299,685 |
Consumer Loans |  | 658 |  |  | 84 |  |  | 110 |  |  | 852 |  |  | 87,001 |  |  | 87,853 |
Credit Cards |  | 165 |  |  | 87 |  |  | 142 |  |  | 394 |  |  | 19,957 |  |  | 20,351 |
Residential Mortgage Loans |  | 7,362 |  |  | 1,647 |  |  | 1,215 |  |  | 10,224 |  |  | 352,620 |  |  | 362,844 |
Total |  | $ | 11,253 |  |  | $ | 3,378 |  |  | $ | 7,234 |  |  | $ | 21,865 |  |  | $ | 3,956,035 |  |  | $ | 3,977,900 |
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 | The following table presents the risk category of loans and current period gross charge-offs as of December 31, 2023 by loan class and vintage year:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 112,626 |  |  | $ | 134,590 |  |  | $ | 80,738 |  |  | $ | 28,492 |  |  | $ | 32,585 |  |  | $ | 45,764 |  |  | $ | 134,936 |  |  | $ | 569,731 |
Special Mention |  | 47 |  |  | 453 |  |  | 128 |  |  | 829 |  |  | — |  |  | 1,948 |  |  | 3,048 |  |  | 6,453 |
Substandard |  | — |  |  | 294 |  |  | 5,689 |  |  | 780 |  |  | 1,696 |  |  | 1,471 |  |  | 3,427 |  |  | 13,357 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial and Industrial Loans |  | $ | 112,673 |  |  | $ | 135,337 |  |  | $ | 86,555 |  |  | $ | 30,101 |  |  | $ | 34,281 |  |  | $ | 49,183 |  |  | $ | 141,411 |  |  | $ | 589,541 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | 911 |  |  | $ | 32 |  |  | $ | 493 |  |  | $ | 7 |  |  | $ | 88 |  |  | $ | 261 |  |  | $ | 1,792 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 300,569 |  |  | $ | 416,874 |  |  | $ | 470,917 |  |  | $ | 225,668 |  |  | $ | 147,431 |  |  | $ | 458,821 |  |  | $ | 41,102 |  |  | $ | 2,061,382 |
Special Mention |  | 13,906 |  |  | 2,401 |  |  | 11,155 |  |  | 1,651 |  |  | 259 |  |  | 19,532 |  |  | 638 |  |  | 49,542 |
Substandard |  | — |  |  | 617 |  |  | 5,510 |  |  | 1,142 |  |  | 729 |  |  | 2,737 |  |  | 176 |  |  | 10,911 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate Loans |  | $ | 314,475 |  |  | $ | 419,892 |  |  | $ | 487,582 |  |  | $ | 228,461 |  |  | $ | 148,419 |  |  | $ | 481,090 |  |  | $ | 41,916 |  |  | $ | 2,121,835 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | 56 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 56 |
Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 44,948 |  |  | $ | 56,291 |  |  | $ | 39,852 |  |  | $ | 42,279 |  |  | $ | 23,217 |  |  | $ | 100,391 |  |  | $ | 89,455 |  |  | $ | 396,433 |
Special Mention |  | 1,495 |  |  | 164 |  |  | 903 |  |  | 5,047 |  |  | 2,338 |  |  | 9,894 |  |  | 2,259 |  |  | 22,100 |
Substandard |  | — |  |  | — |  |  | 199 |  |  | 188 |  |  | 200 |  |  | 4,683 |  |  | — |  |  | 5,270 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Agricultural Loans |  | $ | 46,443 |  |  | $ | 56,455 |  |  | $ | 40,954 |  |  | $ | 47,514 |  |  | $ | 25,755 |  |  | $ | 114,968 |  |  | $ | 91,714 |  |  | $ | 423,803 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |  |  | $ | 27 |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 36,848 |  |  | $ | 12,281 |  |  | $ | 10,634 |  |  | $ | 6,086 |  |  | $ | 4,788 |  |  | $ | 1,351 |  |  | $ | — |  |  | $ | 71,988 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Leases |  | $ | 36,848 |  |  | $ | 12,281 |  |  | $ | 10,634 |  |  | $ | 6,086 |  |  | $ | 4,788 |  |  | $ | 1,351 |  |  | $ | — |  |  | $ | 71,988 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
As of 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 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 and 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 table presents the amortized cost in residential, home equity and consumer loans based on payment activity as well as the current period gross charge-offs for the period ended December 31, 2023.
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of December 31, 2023 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 49,208 |  |  | $ | 21,459 |  |  | $ | 9,708 |  |  | $ | 2,756 |  |  | $ | 917 |  |  | $ | 1,911 |  |  | $ | 1,783 |  |  | $ | 87,742 |
Nonperforming |  | 74 |  |  | 21 |  |  | 12 |  |  | — |  |  | — |  |  | 1 |  |  | 3 |  |  | 111 |
Total Consumer Loans |  | $ | 49,282 |  |  | $ | 21,480 |  |  | $ | 9,720 |  |  | $ | 2,756 |  |  | $ | 917 |  |  | $ | 1,912 |  |  | $ | 1,786 |  |  | $ | 87,853 |
Current Period Gross Charge-Offs |  | $ | 1,162 |  |  | $ | 42 |  |  | $ | 23 |  |  | $ | 71 |  |  | $ | 3 |  |  | $ | 1 |  |  | $ | 7 |  |  | $ | 1,309 |
Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | 170 |  |  | $ | 236 |  |  | $ | 90 |  |  | $ | 165 |  |  | $ | 1,207 |  |  | $ | 296,784 |  |  | $ | 298,652 |
Nonperforming |  | — |  |  | 247 |  |  | 252 |  |  | 60 |  |  | — |  |  | 102 |  |  | 372 |  |  | 1,033 |
Total Home Equity Loans |  | $ | — |  |  | $ | 417 |  |  | $ | 488 |  |  | $ | 150 |  |  | $ | 165 |  |  | $ | 1,309 |  |  | $ | 297,156 |  |  | $ | 299,685 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 55 |  |  | $ | — |  |  | $ | 24 |  |  | $ | 15 |  |  | $ | 94 |
Residential Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 56,306 |  |  | $ | 65,301 |  |  | $ | 85,753 |  |  | $ | 41,352 |  |  | $ | 17,831 |  |  | $ | 94,926 |  |  | $ | — |  |  | $ | 361,469 |
Nonperforming |  | 11 |  |  | 60 |  |  | 417 |  |  | 287 |  |  | 109 |  |  | 491 |  |  | — |  |  | 1,375 |
Total Residential Mortgage Loans |  | $ | 56,317 |  |  | $ | 65,361 |  |  | $ | 86,170 |  |  | $ | 41,639 |  |  | $ | 17,940 |  |  | $ | 95,417 |  |  | $ | — |  |  | $ | 362,844 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | 22 |  |  | $ | 36 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 58 |
The following table presents the amortized cost in residential, home equity and consumer loans based on payment activity for the period ended December 31, 2022.
|  | 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 Retail Loans Based on Payment Activity | The following table presents the recorded investment in retail loans based on payment activity:
Credit Cards |  | December 31, 2023 |  | December 31, 2022
Performing |  | $ | 20,209 |  |  | $ | 17,366 |
Nonperforming |  | 142 |  |  | 146 |
Total |  | $ | 20,351 |  |  | $ | 17,512 |
Schedule of Loans Purchased and/or Sold During the Year | The following table presents loans purchased and/or sold during the year by portfolio segment:
|  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Total
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchases |  | $ | — |  |  | $ | 1,502 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,502 |
Sales |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Purchases |  | $ | 522 |  |  | $ | 411 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 933 |
Sales |  | — |  |  | 3,819 |  |  | 97 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,916 |
Schedule of Loans to Directors, Executive Officers and Principal Shareholders | Certain directors, executive officers, and principal shareholders of the Company, including their immediate families and companies in which they are principal owners, were loan customers of the Company during 2023. A summary of the activity of these loans follows:
Balance January 1, 2023 |  | Additions |  | Changes in Persons or Interests Included |  | Deductions |  | Balance December 31, 2023
|  |  | Collected |  | Charged-off |
$ | 51,086 |  |  | $ | 13,854 |  |  | $ | (7,087) |  |  | $ | (18,031) |  |  | $ | — |  |  | $ | 39,822 |

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