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v3.24.3

Loans and Leases (Tables) | 9 Months Ended
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Sep. 30, 2024
Receivables [Abstract] |
Schedule of loans and leases | Loans and leases at September 30, 2024 and December 31, 2023 were as follows:
(In thousands) | 9/30/2024 | 12/31/2023
Commercial and industrial |  |
Agriculture | $ | 90,146 |  | $ | 101,211 |
Commercial and industrial other | 799,847 |  | 721,890 |
PPP loans | 214 |  | 404 |
Subtotal commercial and industrial | 890,207 |  | 823,505 |
Commercial real estate |  |
Construction | 371,022 |  | 303,406 |
Agriculture | 209,342 |  | 221,670 |
Commercial real estate other | 2,730,074 |  | 2,587,591 |
Subtotal commercial real estate | 3,310,438 |  | 3,112,667 |
Residential real estate |  |
Home equity | 200,369 |  | 188,316 |
Mortgages | 1,371,738 |  | 1,373,275 |
Subtotal residential real estate | 1,572,107 |  | 1,561,591 |
Consumer and other |  |
Indirect | 337 |  | 841 |
Consumer and other | 100,312 |  | 96,942 |
Subtotal consumer and other | 100,649 |  | 97,783 |
Leases | 13,094 |  | 15,383 |
Total loans and leases | 5,886,495 |  | 5,610,929 |
Less: unearned income and deferred costs and fees | (5,234) |  | (4,994) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 5,881,261 |  | $ | 5,605,935 |
Schedule of age analysis of past due loans | The below tables are an age analysis of past due loans, segregated by class of loans, as of September 30, 2024 and December 31, 2023:
September 30, 2024 |
(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 |  | $ | 90,146 |  | $ | 90,146
Commercial and industrial other | 826 |  | 1,059 |  | 2,083 |  | 3,968 |  | 795,879 |  | 799,847 |
PPP loans | 0 |  | 0 |  | 0 |  | 0 |  | 214 |  | 214 |
Subtotal commercial and industrial | 826 |  | 1,059 |  | 2,083 |  | 3,968 |  | 886,239 |  | 890,207 |
Commercial real estate |  |  |  |  |  |
Construction | 0 |  | 0 |  | 0 |  | 0 |  | 371,022 |  | 371,022
Agriculture | 84 |  | 147 |  | 0 |  | 231 |  | 209,111 |  | 209,342
Commercial real estate other | 166 |  | 2,510 |  | 23,301 |  | 25,977 |  | 2,704,097 |  | 2,730,074
Subtotal commercial real estate | 250 |  | 2,657 |  | 23,301 |  | 26,208 |  | 3,284,230 |  | 3,310,438 |
Residential real estate |  |  |  |  |  |
Home equity | 465 |  | 0 |  | 1,832 |  | 2,297 |  | 198,072 |  | 200,369
Mortgages | 20 |  | 853 |  | 9,586 |  | 10,459 |  | 1,361,279 |  | 1,371,738
Subtotal residential real estate | 485 |  | 853 |  | 11,418 |  | 12,756 |  | 1,559,351 |  | 1,572,107 |
Consumer and other |  |  |  |  |  |
Indirect | 7 |  | 22 |  | 5 |  | 34 |  | 303 |  | 337
Consumer and other | 640 |  | 232 |  | 235 |  | 1,107 |  | 99,205 |  | 100,312
Subtotal consumer and other | 647 |  | 254 |  | 240 |  | 1,141 |  | 99,508 |  | 100,649 |
Leases | 0 |  | 0 |  | 0 |  | 0 |  | 13,094 |  | 13,094 |
Total loans and leases | 2,208 |  | 4,823 |  | 37,042 |  | 44,073 |  | 5,842,422 |  | 5,886,495 |
Less: unearned income and deferred costs and fees | 0 |  | 0 |  | 0 |  | 0 |  | (5,234) |  | (5,234) |
Total loans and leases, net of unearned income and deferred costs and fees | $ | 2,208 |  | $ | 4,823 |  | $ | 37,042 |  | $ | 44,073 |  | $ | 5,837,188 |  | $ | 5,881,261 |
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 |
Schedule of loans on nonaccrual status | 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, 2024 and December 31, 2023:
September 30, 2024
(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 | $ | 0 |  | $ | 2,223 |  | $ | 0 |
Subtotal commercial and industrial | 0 |  | 2,223 |  | 0 |
Commercial real estate |  |  |
Agriculture | 0 |  | 132 |  | 0 |
Commercial real estate other | 40,373 |  | 43,861 |  | 0 |
Subtotal commercial real estate | 40,373 |  | 43,993 |  | 0 |
Residential real estate |  |  |
Home equity | 0 |  | 2,992 |  | 0 |
Mortgages | 0 |  | 13,021 |  | 5 |
Subtotal residential real estate | 0 |  | 16,013 |  | 5 |
Consumer and other |  |  |
Indirect | 0 |  | 16 |  | 0 |
Consumer and other | 0 |  | 136 |  | 188 |
Subtotal consumer and other | 0 |  | 152 |  | 188 |
Total loans and leases | $ | 40,373 |  | $ | 62,381 |  | $ | 193 |
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 |  |  |
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 |

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