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Loans (Tables) | 3 Months Ended
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Mar. 31, 2024
Receivables [Abstract] |
Schedule of Loans Classifications | Loans were comprised of the following classifications:
|  | March 31, 2024 |  | December 31, 2023
Commercial: |  |  |  |
Commercial and Industrial Loans |  | $ | 572,666 |  |  | $ | 589,541 |
Commercial Real Estate Loans |  | 2,148,808 |  |  | 2,121,835 |
Agricultural Loans |  | 400,733 |  |  | 423,803 |
Leases |  | 73,496 |  |  | 71,988 |
Retail: |  |  |  |
Home Equity Loans |  | 312,859 |  |  | 299,685 |
Consumer Loans |  | 88,008 |  |  | 87,853 |
Credit Cards |  | 21,113 |  |  | 20,351 |
Residential Mortgage Loans |  | 361,236 |  |  | 362,844 |
Subtotal |  | 3,978,919 |  |  | 3,977,900 |
Less: Unearned Income |  | (7,009) |  |  | (6,818) |
Allowance for Credit Losses |  | (43,754) |  |  | (43,765) |
Loans, net |  | $ | 3,928,156 |  |  | $ | 3,927,317 |
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, 2024 and 2023:
March 31, 2024 |  | 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 |  | $ | 7,921 |  |  | $ | 25,923 |  |  | $ | 3,837 |  |  | $ | 346 |  |  | $ | 759 |  |  | $ | 1,834 |  |  | $ | 383 |  |  | $ | 2,762 |  |  | $ | 43,765 |
Provision (Benefit) for credit loss expense |  | (556) |  |  | 833 |  |  | (187) |  |  | 27 |  |  | 269 |  |  | 294 |  |  | 150 |  |  | 70 |  |  | 900 |
Loans charged-off |  | (102) |  |  | (308) |  |  | — |  |  | — |  |  | (368) |  |  | (134) |  |  | (149) |  |  | — |  |  | (1,061) |
Recoveries collected |  | 3 |  |  | 4 |  |  | — |  |  | — |  |  | 125 |  |  | 7 |  |  | 11 |  |  | — |  |  | 150 |
Total ending allowance balance |  | $ | 7,266 |  |  | $ | 26,452 |  |  | $ | 3,650 |  |  | $ | 373 |  |  | $ | 785 |  |  | $ | 2,001 |  |  | $ | 395 |  |  | $ | 2,832 |  |  | $ | 43,754 |
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
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 |
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, 2024 and December 31, 2023:
March 31, 2024 |  | Non-Accrual With No Allowance for Credit Loss (1) |  | Total Non-Accrual |  | Loans Past Due Over 89 Days Still Accruing
Commercial and Industrial Loans |  | $ | 2,427 |  |  | $ | 4,450 |  |  | $ | — |
Commercial Real Estate Loans |  | 1,355 |  |  | 2,407 |  |  | 85 |
Agricultural Loans |  | 630 |  |  | 837 |  |  | — |
Leases |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 504 |  |  | 504 |  |  | — |
Consumer Loans |  | 77 |  |  | 77 |  |  | — |
Credit Cards |  | 50 |  |  | 50 |  |  | — |
Residential Mortgage Loans |  | 1,431 |  |  | 1,573 |  |  | — |
Total |  | $ | 6,474 |  |  | $ | 9,898 |  |  | $ | 85 |
(1) Includes non-accrual loans with no allowance for credit loss and are also included in Total Non-Accrual loans of $9,898.
December 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 |  | $ | 1,864 |  |  | $ | 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 Total Non-Accrual loans of $9,136.
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, 2024 and December 31, 2023:
March 31, 2024 |  | Real Estate |  | Equipment |  | Accounts Receivable |  | Other |  | Total
Commercial and Industrial Loans |  | $ | 4,269 |  |  | $ | 207 |  |  | $ | — |  |  | $ | 1,818 |  |  | $ | 6,294 |
Commercial Real Estate Loans |  | 8,937 |  |  | — |  |  | — |  |  | — |  |  | 8,937 |
Agricultural Loans |  | 3,086 |  |  | 1,025 |  |  | — |  |  | — |  |  | 4,111 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Home Equity Loans |  | 421 |  |  | — |  |  | — |  |  | — |  |  | 421 |
Consumer Loans |  | 9 |  |  | — |  |  | — |  |  | — |  |  | 9 |
Credit Cards |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential Mortgage Loans |  | 599 |  |  | — |  |  | — |  |  | — |  |  | 599 |
Total |  | $ | 17,321 |  |  | $ | 1,232 |  |  | $ | — |  |  | $ | 1,818 |  |  | $ | 20,371 |
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 |
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, 2024 and December 31, 2023:
March 31, 2024 |  | 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 |  | $ | 136 |  |  | $ | 458 |  |  | $ | 3,608 |  |  | $ | 4,202 |  |  | $ | 568,464 |  |  | $ | 572,666 |
Commercial Real Estate Loans |  | 734 |  |  | 849 |  |  | 1,432 |  |  | 3,015 |  |  | 2,145,793 |  |  | 2,148,808 |
Agricultural Loans |  | 6 |  |  | 1,057 |  |  | 497 |  |  | 1,560 |  |  | 399,173 |  |  | 400,733 |
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | 73,496 |  |  | 73,496 |
Home Equity Loans |  | 1,376 |  |  | 292 |  |  | 504 |  |  | 2,172 |  |  | 310,687 |  |  | 312,859 |
Consumer Loans |  | 732 |  |  | 36 |  |  | 77 |  |  | 845 |  |  | 87,163 |  |  | 88,008 |
Credit Cards |  | 89 |  |  | 73 |  |  | 50 |  |  | 212 |  |  | 20,901 |  |  | 21,113 |
Residential Mortgage Loans |  | 4,715 |  |  | 2,062 |  |  | 1,481 |  |  | 8,258 |  |  | 352,978 |  |  | 361,236 |
Total |  | $ | 7,788 |  |  | $ | 4,827 |  |  | $ | 7,649 |  |  | $ | 20,264 |  |  | $ | 3,958,655 |  |  | $ | 3,978,919 |
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 |
Schedule of Risk Category of Loans | Based on the analysis performed at March 31, 2024 and December 31, 2023, the risk category of loans by class of loans is as follows:
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |
As of March 31, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 23,640 |  |  | $ | 103,041 |  |  | $ | 123,191 |  |  | $ | 81,060 |  |  | $ | 25,763 |  |  | $ | 66,102 |  |  | $ | 130,677 |  |  | $ | 553,474 |
Special Mention |  | 176 |  |  | 46 |  |  | 477 |  |  | 115 |  |  | 1,208 |  |  | 2,482 |  |  | 3,526 |  |  | 8,030 |
Substandard |  | — |  |  | — |  |  | 271 |  |  | 4,166 |  |  | 305 |  |  | 3,117 |  |  | 3,303 |  |  | 11,162 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial & Industrial Loans |  | $ | 23,816 |  |  | $ | 103,087 |  |  | $ | 123,939 |  |  | $ | 85,341 |  |  | $ | 27,276 |  |  | $ | 71,701 |  |  | $ | 137,506 |  |  | $ | 572,666 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | 4 |  |  | $ | 17 |  |  | $ | 35 |  |  | $ | — |  |  | $ | — |  |  | $ | 46 |  |  | $ | 102 |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 77,809 |  |  | $ | 316,801 |  |  | $ | 417,934 |  |  | $ | 449,347 |  |  | $ | 210,315 |  |  | $ | 578,412 |  |  | $ | 37,178 |  |  | $ | 2,087,796 |
Special Mention |  | 176 |  |  | 13,688 |  |  | 2,788 |  |  | 10,808 |  |  | 2,091 |  |  | 18,596 |  |  | 961 |  |  | 49,108 |
Substandard |  | — |  |  | 464 |  |  | 1,270 |  |  | 5,378 |  |  | 537 |  |  | 4,255 |  |  | — |  |  | 11,904 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Commercial Real Estate Loans |  | $ | 77,985 |  |  | $ | 330,953 |  |  | $ | 421,992 |  |  | $ | 465,533 |  |  | $ | 212,943 |  |  | $ | 601,263 |  |  | $ | 38,139 |  |  | $ | 2,148,808 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 308 |  |  | $ | — |  |  | $ | 308 |
Agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 12,909 |  |  | $ | 43,953 |  |  | $ | 53,296 |  |  | $ | 38,147 |  |  | $ | 40,568 |  |  | $ | 119,627 |  |  | $ | 67,641 |  |  | $ | 376,141 |
Special Mention |  | 183 |  |  | 1,491 |  |  | 83 |  |  | 856 |  |  | 4,805 |  |  | 10,982 |  |  | 1,271 |  |  | 19,671 |
Substandard |  | 195 |  |  | — |  |  | — |  |  | — |  |  | 111 |  |  | 4,615 |  |  | — |  |  | 4,921 |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Agricultural Loans |  | $ | 13,287 |  |  | $ | 45,444 |  |  | $ | 53,379 |  |  | $ | 39,003 |  |  | $ | 45,484 |  |  | $ | 135,224 |  |  | $ | 68,912 |  |  | $ | 400,733 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Leases: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 7,886 |  |  | $ | 34,090 |  |  | $ | 11,224 |  |  | $ | 9,498 |  |  | $ | 5,086 |  |  | $ | 5,712 |  |  | $ | — |  |  | $ | 73,496 |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Doubtful |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Leases |  | $ | 7,886 |  |  | $ | 34,090 |  |  | $ | 11,224 |  |  | $ | 9,498 |  |  | $ | 5,086 |  |  | $ | 5,712 |  |  | $ | — |  |  | $ | 73,496 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | 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 & 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 |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
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, 2024 |  | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 11,092 |  |  | $ | 43,898 |  |  | $ | 18,463 |  |  | $ | 7,984 |  |  | $ | 2,400 |  |  | $ | 2,377 |  |  | $ | 1,717 |  |  | $ | 87,931 |
Nonperforming |  | — |  |  | 24 |  |  | 29 |  |  | 21 |  |  | — |  |  | 3 |  |  | — |  |  | 77 |
Total Consumer Loans |  | $ | 11,092 |  |  | $ | 43,922 |  |  | $ | 18,492 |  |  | $ | 8,005 |  |  | $ | 2,400 |  |  | $ | 2,380 |  |  | $ | 1,717 |  |  | $ | 88,008 |
Current Period Gross Charge-Offs |  | $ | 248 |  |  | $ | 75 |  |  | $ | 27 |  |  | $ | 15 |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | 368 |
Home Equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | 238 |  |  | $ | 1,691 |  |  | $ | 303 |  |  | $ | 236 |  |  | $ | 3,255 |  |  | $ | 306,632 |  |  | $ | 312,355 |
Nonperforming |  | — |  |  | — |  |  | 212 |  |  | — |  |  | — |  |  | 281 |  |  | 11 |  |  | 504 |
Total Home Equity Loans |  | $ | — |  |  | $ | 238 |  |  | $ | 1,903 |  |  | $ | 303 |  |  | $ | 236 |  |  | $ | 3,536 |  |  | $ | 306,643 |  |  | $ | 312,859 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | 35 |  |  | $ | 99 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 134 |
Residential Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 12,231 |  |  | $ | 54,893 |  |  | $ | 64,121 |  |  | $ | 82,933 |  |  | $ | 40,025 |  |  | $ | 105,460 |  |  | $ | — |  |  | $ | 359,663 |
Nonperforming |  | — |  |  | 150 |  |  | — |  |  | 44 |  |  | 198 |  |  | 1,181 |  |  | — |  |  | 1,573 |
Total Residential Mortgage Loans |  | $ | 12,231 |  |  | $ | 55,043 |  |  | $ | 64,121 |  |  | $ | 82,977 |  |  | $ | 40,223 |  |  | $ | 106,641 |  |  | $ | — |  |  | $ | 361,236 |
Current Period Gross Charge-Offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
|  | 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 |
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, 2024 |  | December 31, 2023
Performing |  | $ | 21,063 |  |  | $ | 20,209 |
Nonperforming |  | 50 |  |  | 142 |
Total |  | $ | 21,113 |  |  | $ | 20,351 |
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, 2024 |  | 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, 2023 |  | Commercial and Industrial Loans |  | Commercial Real Estate Loans |  | Agricultural Loans |  | Leases |  | Consumer Loans |  | Home Equity Loans |  | Credit Cards |  | Residential Mortgage Loans |  | Total
Purchases |  | $ | — |  |  | $ | 1,502 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,502 |
Sales |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |

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