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Loans and Leases
 9 Months Ended
Sep. 30, 2022
Receivables [Abstract]  
Loans and Leases Loans and Leases
Loans and leases at September 30, 2022 and December 31, 2021 were as follows:
(In thousands)9/30/202212/31/2021
Commercial and industrial
Agriculture$66,576 $99,172 
Commercial and industrial other718,726 699,121 
PPP loans*875 71,260 
Subtotal commercial and industrial786,177 869,553 
Commercial real estate
Construction199,144 178,582 
Agriculture210,140 195,973 
Commercial real estate other2,399,951 2,278,599 
Subtotal commercial real estate2,809,235 2,653,154 
Residential real estate
Home equity188,002 182,671 
Mortgages1,344,741 1,290,911 
Subtotal residential real estate1,532,743 1,473,582 
Consumer and other
Indirect2,712 4,655 
Consumer and other66,262 67,396 
Subtotal consumer and other68,974 72,051 
Leases15,749 13,948 
Total loans and leases5,212,878 5,082,288 
Less: unearned income and deferred costs and fees(4,442)(6,821)
Total loans and leases, net of unearned income and deferred costs and fees$5,208,436 $5,075,467 
*SBA Paycheck Protection Program ("PPP")

The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 3 – "Loans and Leases" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. There have been no significant changes in these policies and guidelines since the date of that report. As such, these policies are reflective of new originations as well as those balances held at December 31, 2021. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting systems to monitor loan origination, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans.
 
Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Generally loans are placed on nonaccrual status if principal or interest payments become 90 days or more past due and/or management deems the collectability of the principal and/or interest to be in question as well as when required by regulatory agencies. When interest accrual is discontinued, all unpaid accrued interest is reversed. Payments received on loans on nonaccrual are generally applied to reduce the principal balance of the loan. Loans are generally returned to accrual status when all the principal and interest amounts due are brought current, the borrower has established a payment history, and future payments are reasonably assured. When management determines that the collection of principal in full is not probable, management will charge-off a partial amount or full amount of the loan balance. Management considers specific facts and circumstances relative to each individual credit in making such a determination. For residential and consumer loans, management uses specific regulatory guidance and thresholds for determining charge-offs.
 
The below tables are an age analysis of past due loans, segregated by class of loans, as of September 30, 2022 and December 31, 2021:
 
September 30, 2022
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $66,576 $66,576
Commercial and industrial other37 400 185 622 718,104 718,726 
PPP loans31 0 0 31 844 875 
Subtotal commercial and industrial68 400 185 653 785,524 786,177 
Commercial real estate
Construction0 0 0 0 199,144 199,144
Agriculture0 0 219 219 209,921 210,140
Commercial real estate other0 0 12,722 12,722 2,387,229 2,399,951
Subtotal commercial real estate0 0 12,941 12,941 2,796,294 2,809,235 
Residential real estate
Home equity307 306 1,226 1,839 186,163 188,002
Mortgages0 1,342 6,417 7,759 1,336,982 1,344,741
Subtotal residential real estate307 1,648 7,643 9,598 1,523,145 1,532,743 
Consumer and other
Indirect35 67 86 188 2,524 2,712
Consumer and other571 64 94 729 65,533 66,262
Subtotal consumer and other606 131 180 917 68,057 68,974 
Leases0 0 0 0 15,749 15,749 
Total loans and leases981 2,179 20,949 24,109 5,188,769 5,212,878 
Less: unearned income and deferred costs and fees0 0 0 0 (4,442)(4,442)
Total loans and leases, net of unearned income and deferred costs and fees$981 $2,179 $20,949 $24,109 $5,184,327 $5,208,436 
December 31, 2021
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $99,172 $99,172 
Commercial and industrial other506 6 88 600 698,521 699,121 
PPP loans0 0 0 0 71,260 71,260 
Subtotal commercial and industrial506 6 88 600 868,953 869,553 
Commercial real estate
Construction0 0 0 0 178,582 178,582 
Agriculture121 0 0 121 195,852 195,973 
Commercial real estate other150 257 3,305 3,712 2,274,887 2,278,599 
Subtotal commercial real estate271 257 3,305 3,833 2,649,321 2,653,154 
Residential real estate
Home equity441 417 798 1,656 181,015 182,671 
Mortgages7 839 3,917 4,763 1,286,148 1,290,911 
Subtotal residential real estate448 1,256 4,715 6,419 1,467,163 1,473,582 
Consumer and other
Indirect77 86 2 165 4,490 4,655 
Consumer and other120 45 45 210 67,186 67,396 
Subtotal consumer and other197 131 47 375 71,676 72,051 
Leases0 0 0 0 13,948 13,948 
Total loans and leases1,422 1,650 8,155 11,227 5,071,061 5,082,288 
Less: unearned income and deferred costs and fees0 0 0 0 (6,821)(6,821)
Total loans and leases, net of unearned income and deferred costs and fees$1,422 $1,650 $8,155 $11,227 $5,064,240 $5,075,467 
The following tables present the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans, as of September 30, 2022 and December 31, 2021:

September 30, 2022
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
Loans and Leases
Commercial and industrial
Commercial and industrial other$478 $803 $0 
Subtotal commercial and industrial478 803 0 
Commercial real estate
Agriculture219 219 0 
Commercial real estate other14,677 15,682 161 
Subtotal commercial real estate14,896 15,901 161 
Residential real estate
Home equity385 2,357 0 
Mortgages1,780 10,684 0 
Subtotal residential real estate2,165 13,041 0 
Consumer and other
Indirect0 151 0 
Consumer and other0 117 0 
Subtotal consumer and other0 268 0 
Total loans and leases$17,539 $30,013 $161 
December 31, 2021
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
Loans and Leases
Commercial and industrial
Commercial and industrial other$502 $533 $0 
Subtotal commercial and industrial502 533 0 
Commercial real estate
Construction671 671 0 
Agriculture348 456 0 
Commercial real estate other12,483 12,766 0 
Subtotal commercial real estate13,502 13,893 0 
Residential real estate
Home equity380 2,459 0 
Mortgages716 8,719 0 
Subtotal residential real estate1,096 11,178 0 
Consumer and other
Indirect1 246 0 
Consumer and other0 183 0 
Subtotal consumer and other1 429 0 
Total loans and leases$15,101 $26,033 $0 
The Company recognized $0 of interest income on nonaccrual loans during the three and nine months ended September 30, 2022 and 2021.