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Loans and Leases (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2023
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] |
Schedule of loans and leases | Loans and Leases at December 31, 2023 and December 31, 2022 were as follows:
| Year ended December 31,
(In thousands) | 2023 | 2022
Commercial and industrial |  |
Agriculture | $ | 101,211 |  | $ | 85,073 |
Commercial and industrial other | 721,890 |  | 705,700 |
PPP loans | 404 |  | 756 |
Subtotal commercial and industrial | 823,505 |  | 791,529 |
Commercial real estate |  |
Construction | 303,406 |  | 201,116 |
Agriculture | 221,670 |  | 214,963 |
Commercial real estate other | 2,587,591 |  | 2,437,339 |
Subtotal commercial real estate | 3,112,667 |  | 2,853,418 |
Residential real estate |  |
Home equity | 188,316 |  | 188,623 |
Mortgages | 1,373,275 |  | 1,346,318 |
Subtotal residential real estate | 1,561,591 |  | 1,534,941 |
Consumer and other |  |
Indirect | 841 |  | 2,224 |
Consumer and other | 96,942 |  | 75,412 |
Subtotal consumer and other | 97,783 |  | 77,636 |
Leases | 15,383 |  | 16,134 |
Total loans and leases | $ | 5,610,929 |  | $ | 5,273,658 |
Less: unearned income and deferred costs and fees | (4,994) |  | (4,747) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 5,605,935 |  | $ | 5,268,911 |
Schedule of age analysis of past due loans | The below table is an aging analysis of past due loans, segregated by class of loans as of December 31, 2023 and 2022:
December 31, 2023 |  |  |  |  |  |
(In thousands) | 30-59 Days | 60-89 Days | 90 Days or More | Total Past Due | Current Loans | Total Loans
Loans and Leases |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |
Agriculture | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 101,211 |  | $ | 101,211 |
Commercial and industrial other | 389 |  | 887 | 2,124 |  | 3,400 |  | 718,490 |  | 721,890 |
PPP loans | 0 |  | 0 | 0 |  | 0 |  | 404 |  | 404 |
Subtotal commercial and industrial | 389 | 887 | 2,124 | 3,400 | 820,105 | 823,505
Commercial real estate |  |  |  |  |  |
Construction | 0 |  | 0 | 0 |  | 0 |  | 303,406 |  | 303,406 |
Agriculture | 61 |  | 0 | 0 |  | 61 |  | 221,609 |  | 221,670 |
Commercial real estate other | 290 |  | 0 | 25,056 |  | 25,346 |  | 2,562,245 |  | 2,587,591 |
Subtotal commercial real estate | 351 | 0 | 25,056 | 25,407 | 3,087,260 | 3,112,667
Residential real estate |  |  |  |  |  |
Home equity | 466 |  | 211 | 1,968 |  | 2,645 |  | 185,671 |  | 188,316 |
Mortgages | 1,353 |  | 111 | 6,916 |  | 8,380 |  | 1,364,895 |  | 1,373,275 |
Subtotal residential real estate | 1,819 | 322 | 8,884 | 11,025 | 1,550,566 | 1,561,591
Consumer and other |  |  |  |  |  |
Indirect | 7 |  | 11 | 11 |  | 29 |  | 812 |  | 841 |
Consumer and other | 302 |  | 122 | 270 |  | 694 |  | 96,248 |  | 96,942 |
Subtotal consumer and other | 309 |  | 133 | 281 |  | 723 |  | 97,060 |  | 97,783 |
Leases | 0 |  | 0 | 0 |  | 0 |  | 15,383 |  | 15,383 |
Total loans and leases | $ | 2,868 |  | $ | 1,342 |  | $ | 36,345 |  | $ | 40,555 |  | $ | 5,570,374 |  | $ | 5,610,929 |
Less: unearned income and deferred costs and fees | 0 |  | 0 | 0 |  | 0 |  | (4,994) |  | (4,994) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 2,868 |  | $ | 1,342 |  | $ | 36,345 |  | $ | 40,555 |  | $ | 5,565,380 |  | $ | 5,605,935 |
December 31, 2022 |  |  |  |  |  |
(In thousands) | 30-59 Days | 60-89 Days | 90 Days or More | Total Past Due | Current Loans | Total Loans
Loans and Leases |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  |
Agriculture | $ | 58 |  | $ | 0 |  | $ | 0 |  | $ | 58 |  | $ | 85,015 |  | $ | 85,073 |
Commercial and industrial other | 50 |  | 381 |  | 82 |  | 513 |  | 705,187 |  | 705,700 |
PPP loans | 0 |  | 0 |  | 0 |  | 0 |  | 756 |  | 756 |
Subtotal commercial and industrial | 108 |  | 381 |  | 82 |  | 571 |  | 790,958 |  | 791,529 |
Commercial real estate |  |  |  |  |  |
Construction | 0 |  | 0 |  | 0 |  | 0 |  | 201,116 |  | 201,116 |
Agriculture | 128 |  | 0 |  | 0 |  | 128 |  | 214,835 |  | 214,963 |
Commercial real estate other | 0 |  | 0 |  | 11,449 |  | 11,449 |  | 2,425,890 |  | 2,437,339 |
Subtotal commercial real estate | 128 |  | 0 |  | 11,449 |  | 11,577 |  | 2,841,841 |  | 2,853,418 |
Residential real estate |  |  |  |  |  |
Home equity | 435 |  | 204 |  | 1,628 |  | 2,267 |  | 186,356 |  | 188,623 |
Mortgages | 1,748 |  | 0 |  | 6,802 |  | 8,550 |  | 1,337,768 |  | 1,346,318 |
Subtotal residential real estate | 2,183 |  | 204 |  | 8,430 |  | 10,817 |  | 1,524,124 |  | 1,534,941 |
Consumer and other |  |  |  |  |  |
Indirect | 66 |  | 31 |  | 53 |  | 150 |  | 2,074 |  | 2,224 |
Consumer and other | 52 |  | 19 |  | 112 |  | 183 |  | 75,229 |  | 75,412 |
Subtotal consumer and other | 118 |  | 50 |  | 165 |  | 333 |  | 77,303 |  | 77,636 |
Leases | 0 |  | 0 |  | 0 |  | 0 |  | 16,134 |  | 16,134 |
Total loans and leases | $ | 2,537 |  | $ | 635 |  | $ | 20,126 |  | $ | 23,298 |  | $ | 5,250,360 |  | $ | 5,273,658 |
Less: unearned income and deferred costs and fees | 0 |  | 0 |  | 0 |  | 0 |  | (4,747) |  | (4,747) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 2,537 |  | $ | 635 |  | $ | 20,126 |  | $ | 23,298 |  | $ | 5,245,613 |  | $ | 5,268,911 |
Schedule of loans on nonaccrual status | The following table presents 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:
December 31, 2023 |  |  |
(In thousands) | Nonaccrual Loans and Leases with no ACL | Nonaccrual Loans and Leases | Loans and Leases Past Due Over 89 Days and Accruing
Loans and Leases |  |  |
Commercial and industrial |  |  |
Agriculture | $ | 0 |  | $ | 20 |  | $ | 0 |
Commercial and industrial other | 0 |  | 2,253 |  | 0 |
Subtotal commercial and industrial | 0 |  | 2,273 |  | 0 |
Commercial real estate |  |  |
Agriculture | 0 |  | 170 |  | 0 |
Commercial real estate other | 42,038 |  | 44,280 |  | 0 |
Subtotal commercial real estate | 42,038 |  | 44,450 |  | 0 |
Residential real estate |  |  |
Home equity | 0 |  | 3,230 |  | 0 |
Mortgages | 0 |  | 11,942 |  | 0 |
Subtotal residential real estate | 0 |  | 15,172 |  | 0 |
Consumer and other |  |  |
Indirect | 0 |  | 40 |  | 0 |
Consumer and other | 0 |  | 230 |  | 101 |
Subtotal consumer and other | 0 |  | 270 |  | 101 |
Total loans and leases | $ | 42,038 |  | $ | 62,165 |  | $ | 101 |
December 31, 2022 |  |  |
(In thousands) | Nonaccrual Loans and Leases with no ACL | Nonaccrual Loans and Leases | Loans and Leases Past Due Over 89 Days and Accruing
Loans and Leases |  |  |
Commercial and industrial |  |  |
Commercial and industrial other | $ | 411 |  | $ | 618 |  | $ | 25 |
Subtotal commercial and industrial | 411 |  | 618 |  | 25 |
Commercial real estate |  |  |
Agriculture | 186 |  | 186 |  | 0 |
Commercial real estate other | 13,101 |  | 13,672 |  | 0 |
Subtotal commercial real estate | 13,287 |  | 13,858 |  | 0 |
Residential real estate |  |  |
Home equity | 318 |  | 2,391 |  | 0 |
Mortgages | 1,177 |  | 11,153 |  | 0 |
Subtotal residential real estate | 1,495 |  | 13,544 |  | 0 |
Consumer and other |  |  |
Indirect | 0 |  | 94 |  | 0 |
Consumer and other | 0 |  | 175 |  | 0 |
Subtotal consumer and other | 0 |  | 269 |  | 0 |
Total loans and leases | $ | 15,193 |  | $ | 28,289 |  | $ | 25 |

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