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Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2024
Receivables [Abstract] |
Schedule of allowance for loan and lease losses segregated by originated and acquired loan and lease portfolios and by portfolio segment | The following tables detail activity in the allowance for credit losses on loans for the three and nine months ended September 30, 2024 and 2023. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.
Three Months Ended September 30, 2024 |  |  |  |
(In thousands) | Commercial & Industrial | Commercial Real Estate | Residential Real Estate | Consumer and Other | Finance Leases | Total
Allowance for credit losses:
Beginning balance | $ | 7,412 |  | $ | 32,559 |  | $ | 11,569 |  | $ | 1,451 |  | $ | 68 |  | $ | 53,059 |
Charge-offs | (253) |  | 0 |  | 0 |  | (796) |  | 0 |  | (1,049) |
Recoveries | 11 |  | 3 |  | 5 |  | 118 |  | 0 |  | 137 |
Provision (credit) for credit loss expense | 444 |  | 1,302 |  | 802 |  | 694 |  | (5) |  | 3,237 |
Ending Balance | $ | 7,614 |  | $ | 33,864 |  | $ | 12,376 |  | $ | 1,467 |  | $ | 63 |  | $ | 55,384 |
Three Months Ended September 30, 2023 |  |  |  |
(In thousands) | Commercial & Industrial | Commercial Real Estate | Residential Real Estate | Consumer and Other | Finance Leases | Total
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ | 6,685 |  | $ | 28,968 |  | $ | 11,111 |  | $ | 1,680 |  | $ | 101 |  | $ | 48,545 |
Charge-offs | 0 |  | 0 |  | 0 |  | (271) |  | 0 |  | (271) |
Recoveries | 8 |  | 1 |  | 4 |  | 81 |  | 0 |  | 94 |
Provision (credit) for credit loss expense | (241) |  | 366 |  | 791 |  | 70 |  | (18) |  | 968 |
Ending Balance | $ | 6,452 |  | $ | 29,335 |  | $ | 11,906 |  | $ | 1,560 |  | $ | 83 |  | $ | 49,336 |
Nine Months Ended September 30, 2024 |  |  |  |
(In thousands) | Commercial & Industrial | Commercial Real Estate | Residential Real Estate | Consumer and Other | Finance Leases | Total
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ | 6,667 |  | $ | 31,581 |  | $ | 11,700 |  | $ | 1,557 |  | $ | 79 |  | $ | 51,584 |
Charge-offs | (283) |  | 0 |  | 0 |  | (1,867) |  | 0 |  | (2,150) |
Recoveries | 29 |  | 6 |  | 130 |  | 336 |  | 0 |  | 501 |
Provision (credit) for credit loss expense | 1,201 |  | 2,277 |  | 546 |  | 1,441 |  | (16) |  | 5,449 |
Ending Balance | $ | 7,614 |  | $ | 33,864 |  | $ | 12,376 |  | $ | 1,467 |  | $ | 63 |  | $ | 55,384 |
Nine Months Ended September 30, 2023 |  |  |  |
(In thousands) | Commercial & Industrial | Commercial Real Estate | Residential Real Estate | Consumer and Other | Finance Leases | Total
Allowance for credit losses: |  |  |  |  |
Beginning balance | $ | 6,039 |  | $ | 27,287 |  | $ | 11,154 |  | $ | 1,358 |  | $ | 96 |  | $ | 45,934 |
Impact of adopting ASU 2016-13 | 2 |  | 16 |  | 46 |  | 0 |  | 0 |  | 64 |
Charge-offs | 0 |  | 0 |  | (2) |  | (546) |  | 0 |  | (548) |
Recoveries | 67 |  | 1,238 |  | 182 |  | 192 |  | 0 |  | 1,679 |
Provision (credit) for credit loss expense | 344 |  | 794 |  | 526 |  | 556 |  | (13) |  | 2,207 |
Ending Balance | $ | 6,452 |  | $ | 29,335 |  | $ | 11,906 |  | $ | 1,560 |  | $ | 83 |  | $ | 49,336 |
The following tables detail activity in the liabilities for off-balance sheet credit exposures for the three and nine months ended September 30, 2024 and 2023:
Three Months Ended September 30,
(In thousands) | 2024 | 2023
Liabilities for off-balance sheet credit exposures at beginning of period | $ | 3,084 |  | $ | 2,985 |
(Credit) provision for credit loss expense related to off-balance sheet credit exposures | (1,063) |  | 182 |
Liabilities for off-balance sheet credit exposures at end of period | $ | 2,021 |  | $ | 3,167 |
Nine Months Ended September 30, |  |
(In thousands) | 2024 | 2023
Liabilities for off-balance sheet credit exposures at beginning of period | $ | 2,270 |  | $ | 2,796 |
(Credit) provision for credit loss expense related to off-balance sheet credit exposures | (249) |  | 371 |
Liabilities for off-balance sheet credit exposures at end of period | $ | 2,021 |  | $ | 3,167 |
The following tables present the amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses, and the related allowance for credit losses allocated to these loans, as of September 30, 2024 and December 31, 2023:
(In thousands) | Real Estate | Business Assets | Other | Total | ACL Allocation
September 30, 2024 |  |  |  |  |
Commercial and Industrial | $ | 1,978 |  | $ | 0 |  | $ | 0 |  | $ | 1,978 |  | $ | 0 |
Commercial Real Estate | 42,517 |  | 0 |  | 0 |  | 42,517 |  | 1,429 |
Total Loans and Leases | $ | 44,495 |  | $ | 0 |  | $ | 0 |  | $ | 44,495 |  | $ | 1,429 |
(In thousands) | Real Estate | Business Assets | Other | Total | ACL Allocation
December 31, 2023 |  |  |  |  |
Commercial and Industrial | $ | 2,035 |  | $ | 0 |  | $ | 0 |  | $ | 2,035 |  | $ | 0 |
Commercial Real Estate | 42,333 |  | 0 |  | 0 |  | 42,333 |  | 1,082 |
Total Loans and Leases | $ | 44,368 |  | $ | 0 |  | $ | 0 |  | $ | 44,368 |  | $ | 1,082 |
Schedule of loan modifications with financial difficulty | The following table shows the amortized cost basis as of September 30, 2024 of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted:
(In thousands) | Term Extension | Interest Rate Reduction | Payment Delay and Term Extension | Term Extension and Interest Rate Reduction | Payment Delay | Total | % of Total Class of Loans and Leases
Commercial and Industrial |  |  |  |  |  |  |
Commercial and Industrial Other | $ | 12 |  | $ | 490 |  | $ | 0 |  | $ | 0 |  | $ | 75 |  | $ | 577 |  | 0.07 | %
Total Commercial and Industrial | 12 |  | 490 |  | 0 |  | 0 |  | 75 |  | 577 |  | 0.06 | %
Commercial Real Estate |  |  |  |  |  |  |
Commercial Real Estate Other | 0 |  | 3,022 |  | 0 |  | 0 |  | 394 |  | 3,416 |  | 0.13 | %
Total Commercial Real Estate | 0 |  | 3,022 |  | 0 |  | 0 |  | 394 |  | 3,416 |  | 0.10 | %
Residential |  |  |  |  |  |  |
Home Equity | 0 |  | 0 |  | 0 |  | 41 |  | 0 |  | 41 |  | 0.02 | %
Mortgages | 0 |  | 0 |  | 0 |  | 0 |  | 486 |  | 486 |  | 0.04 | %
Total Residential | 0 |  | 0 |  | 0 |  | 41 |  | 486 |  | 527 |  | 0.03 | %
Consumer |  |  |  |  |  |  |
Consumer and Other | 23 |  | 0 |  | 0 |  | 0 |  | 0 |  | 23 |  | 0.02 | %
Total Consumer | 23 |  | 0 |  | 0 |  | 0 |  | 0 |  | 23 |  | 0.02 | %
Total Loans and Leases | $ | 35 |  | $ | 3,512 |  | $ | 0 |  | $ | 41 |  | $ | 955 |  | $ | 4,543 |  | 0.08 | %
The following table shows the aging analysis of loan modifications made to borrowers experiencing financial difficulty as of September 30, 2024:
September 30, 2024 | Payment Status (Amortized Cost Basis)
(In thousands) | Current | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | Non-Accrual | Total
Commercial and Industrial |  |  |  |  |  |
Commercial and industrial other | $ | 565 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 12 |  | $ | 577 |
Total Commercial and Industrial | 565 |  | 0 |  | 0 |  | 0 |  | 12 |  | 577 |
Commercial Real Estate |  |  |  |  |  |
Commercial real estate other | 3,416 |  | 0 |  | 0 |  | 0 |  | 0 |  | 3,416 |
Total Commercial Real Estate | 3,416 |  | 0 |  | 0 |  | 0 |  | 0 |  | 3,416 |
Residential Real Estate |  |  |  |  |  |
Home equity | 0 |  | 0 |  | 0 |  | 0 |  | 41 |  | 41 |
Mortgages | 155 |  | 0 |  | 0 |  | 0 |  | 331 |  | 486 |
Total Residential Real Estate | 155 |  | 0 |  | 0 |  | 0 |  | 372 |  | 527 |
Consumer and Other |  |  |  |  |  |
Consumer and other | 0 |  | 0 |  | 0 |  | 0 |  | 23 |  | 23 |
Total Consumer and Other | 0 |  | 0 |  | 0 |  | 0 |  | 23 |  | 23 |
Total | $ | 4,136 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 407 |  | $ | 4,543 |
Schedule of credit quality indicators by class of commercial and industrial loans and commercial real estate loans | The following tables present credit quality indicators by total loans on an amortized cost basis by origination year as of September 30, 2024 and December 31, 2023:
September 30, 2024 |  |  |  |  |  |  |  |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial and Industrial - Other: |  |  |  |  |  |
Pass | $ | 115,477 |  | $ | 122,968 |  | $ | 89,318 |  | $ | 57,209 |  | $ | 22,038 |  | $ | 154,402 |  | $ | 223,210 |  | $ | 10,771 |  | $ | 795,393 |
Special Mention | 1,104 |  | 222 |  | 159 |  | 808 |  | 130 |  | 261 |  | 162 |  | 0 |  | 2,846 |
Substandard | 440 |  | 0 |  | 0 |  | 52 |  | 17 |  | 681 |  | 418 |  | 0 |  | 1,608 |
Total Commercial and Industrial - Other | $ | 117,021 |  | $ | 123,190 |  | $ | 89,477 |  | $ | 58,069 |  | $ | 22,185 |  | $ | 155,344 |  | $ | 223,790 |  | $ | 10,771 |  | $ | 799,847 |
Current-period gross writeoffs | $ | 0 |  | $ | 15 |  | $ | 30 |  | $ | 44 |  | $ | 11 |  | $ | 183 |  | $ | 0 |  | $ | 0 |  | $ | 283 |
Commercial and Industrial - PPP: |  |  |  |  |  |
Pass | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 176 |  | $ | 38 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 214 |
Special Mention | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Substandard | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0
Total Commercial and Industrial - PPP | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 176 |  | $ | 38 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 214 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial and Industrial - Agriculture: |  |  |  |  |  |
Pass | $ | 9,215 |  | $ | 25,104 |  | $ | 10,475 |  | $ | 2,366 |  | $ | 1,754 |  | $ | 7,016 |  | $ | 32,153 |  | $ | 1,980 |  | $ | 90,063 |
Special Mention | 0 |  | 0 |  | 0 |  | 38 |  | 0 |  | 0 |  | 0 |  | 0 |  | 38 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 45 |  | 0 |  | 0 |  | 0 |  | 45 |
Total Commercial and Industrial - Agriculture | $ | 9,215 |  | $ | 25,104 |  | $ | 10,475 |  | $ | 2,404 |  | $ | 1,799 |  | $ | 7,016 |  | $ | 32,153 |  | $ | 1,980 |  | $ | 90,146 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate |  |  |  |  |  |
Pass | $ | 239,979 |  | $ | 244,508 |  | $ | 331,282 |  | $ | 362,119 |  | $ | 283,057 |  | $ | 1,114,169 |  | $ | 38,270 |  | $ | 14,092 |  | $ | 2,627,476 |
Special Mention | 0 |  | 0 |  | 714 |  | 606 |  | 16,769 |  | 14,574 |  | 4,501 |  | 0 |  | 37,164 |
Substandard | 0 |  | 988 |  | 15,017 |  | 2,121 |  | 0 |  | 46,264 |  | 1,044 |  | 0 |  | 65,434 |
Total Commercial Real Estate | $ | 239,979 |  | $ | 245,496 |  | $ | 347,013 |  | $ | 364,846 |  | $ | 299,826 |  | $ | 1,175,007 |  | $ | 43,815 |  | $ | 14,092 |  | $ | 2,730,074 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate - Agriculture: |  |  |  |  |  |
Pass | $ | 9,421 |  | $ | 12,288 |  | $ | 37,885 |  | $ | 22,008 |  | $ | 20,215 |  | $ | 101,556 |  | $ | 3,923 |  | $ | 562 |  | $ | 207,858 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 1,310 |  | 0 |  | 0 |  | 1,310 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 174 |  | 0 |  | 0 |  | 174 |
Total Commercial Real Estate - Agriculture | $ | 9,421 |  | $ | 12,288 |  | $ | 37,885 |  | $ | 22,008 |  | $ | 20,215 |  | $ | 103,040 |  | $ | 3,923 |  | $ | 562 |  | $ | 209,342 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
(In thousands) | 2024 | 2023 | 2022 | 2021 | 2020 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial Real Estate - Construction |  |  |  |  |  |
Pass | $ | 6,000 |  | $ | 444 |  | $ | 685 |  | $ | 6,904 |  | $ | 2,010 |  | $ | 0 |  | $ | 311,747 |  | $ | 25,832 |  | $ | 353,622 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 17,400 |  | 0 |  | 17,400 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Total Commercial Real Estate - Construction | $ | 6,000 |  | $ | 444 |  | $ | 685 |  | $ | 6,904 |  | $ | 2,010 |  | $ | 0 |  | $ | 329,147 |  | $ | 25,832 |  | $ | 371,022 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Residential - Home Equity |  |  |  |  |  |  |
Performing | $ | 16,352 |  | $ | 2,904 |  | $ | 2,219 |  | $ | 1,071 |  | $ | 575 |  | $ | 13,568 |  | $ | 158,769 |  | $ | 1,918 |  | $ | 197,376 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 607 |  | 2,386 |  | 0 |  | 2,993 |
Total Residential - Home Equity | $ | 16,352 |  | $ | 2,904 |  | $ | 2,219 |  | $ | 1,071 |  | $ | 575 |  | $ | 14,175 |  | $ | 161,155 |  | $ | 1,918 |  | $ | 200,369 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Residential - Mortgages |  |  |  |  |  |  |
Performing | $ | 81,994 |  | $ | 133,491 |  | $ | 175,375 |  | $ | 243,173 |  | $ | 208,186 |  | $ | 516,498 |  | $ | 0 |  | $ | 0 |  | $ | 1,358,717 |
Nonperforming | 0 |  | 713 |  | 388 |  | 593 |  | 954 |  | 10,373 |  | 0 |  | 0 |  | 13,021 |
Total Residential - Mortgages | $ | 81,994 |  | $ | 134,204 |  | $ | 175,763 |  | $ | 243,766 |  | $ | 209,140 |  | $ | 526,871 |  | $ | 0 |  | $ | 0 |  | $ | 1,371,738 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Consumer - Direct |  |  |  |  |  |  |
Performing | $ | 41,761 |  | $ | 19,322 |  | $ | 10,727 |  | $ | 9,507 |  | $ | 4,226 |  | $ | 12,088 |  | $ | 2,545 |  | $ | 0 |  | $ | 100,176 |
Nonperforming | 0 |  | 4 |  | 0 |  | 0 |  | 0 |  | 77 |  | 55 |  | 0 |  | 136 |
Total Consumer - Direct | $ | 41,761 |  | $ | 19,326 |  | $ | 10,727 |  | $ | 9,507 |  | $ | 4,226 |  | $ | 12,165 |  | $ | 2,600 |  | $ | 0 |  | $ | 100,312 |
Current-period gross writeoffs | $ | 1,633 |  | $ | 13 |  | $ | 5 |  | $ | 32 |  | $ | 10 |  | $ | 165 |  | $ | 0 |  | $ | 0 |  | $ | 1,858 |
Consumer - Indirect |  |  |  |  |  |  |
Performing | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 62 |  | $ | 30 |  | $ | 229 |  | $ | 0 |  | $ | 0 |  | $ | 321 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 16 |  | 0 |  | 0 |  | 16 |
Total Consumer - Indirect | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 62 |  | $ | 30 |  | $ | 245 |  | $ | 0 |  | $ | 0 |  | $ | 337 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 9 |  | $ | 0 |  | $ | 0 |  | $ | 9 |
December 31, 2023 |  |  |  |  |  |  |  |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial and Industrial - Other: |  |  |  |  |  |  |
Pass | $ | 130,993 |  | $ | 92,335 |  | $ | 68,030 |  | $ | 28,237 |  | $ | 33,618 |  | $ | 141,758 |  | $ | 212,349 |  | $ | 5,063 |  | $ | 712,383 |
Special Mention | 915 |  | 196 |  | 222 |  | 242 |  | 79 |  | 1,287 |  | 682 |  | 0 |  | 3,623 |
Substandard | 0 |  | 46 |  | 78 |  | 329 |  | 18 |  | 2,833 |  | 2,580 |  | 0 |  | 5,884 |
Total Commercial and Industrial - Other | $ | 131,908 |  | $ | 92,577 |  | $ | 68,330 |  | $ | 28,808 |  | $ | 33,715 |  | $ | 145,878 |  | $ | 215,611 |  | $ | 5,063 |  | $ | 721,890 |
Current-period gross writeoffs | $ | 6 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 29 |  | $ | 0 |  | $ | 0 |  | $ | 35 |
Commercial and Industrial - Agriculture: |  |  |  |  |  |
Pass | $ | 24,924 |  | $ | 11,935 |  | $ | 3,341 |  | $ | 3,114 |  | $ | 3,268 |  | $ | 16,759 |  | $ | 36,728 |  | $ | 1,030 |  | $ | 101,099 |
Special Mention | 0 |  | 0 |  | 47 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 47 |
Substandard | 0 |  | 0 |  | 0 |  | 56 |  | 0 |  | 8 |  | 1 |  | 0 |  | 65 |
Total Commercial and Industrial - Agriculture | $ | 24,924 |  | $ | 11,935 |  | $ | 3,388 |  | $ | 3,170 |  | $ | 3,268 |  | $ | 16,767 |  | $ | 36,729 |  | $ | 1,030 |  | $ | 101,211 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial and Industrial - PPP: |  |  |  |  |  |  |
Pass | $ | 0 |  | $ | 0 |  | $ | 264 |  | $ | 140 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 404 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Total Commercial and Industrial - PPP | $ | 0 |  | $ | 0 |  | $ | 264 |  | $ | 140 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 404 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate |  |  |  |  |  |  |  |
Pass | $ | 246,016 |  | $ | 317,583 |  | $ | 365,975 |  | $ | 292,960 |  | $ | 272,722 |  | $ | 921,201 |  | $ | 34,346 |  | $ | 24,949 |  | $ | 2,475,752 |
Special Mention | 0 |  | 632 |  | 0 |  | 17,133 |  | 11,422 |  | 16,100 |  | 0 |  | 0 |  | 45,287 |
Substandard | 0 |  | 15,300 |  | 2,128 |  | 0 |  | 2,059 |  | 45,709 |  | 1,356 |  | 0 |  | 66,552 |
Total Commercial Real Estate | $ | 246,016 |  | $ | 333,515 |  | $ | 368,103 |  | $ | 310,093 |  | $ | 286,203 |  | $ | 983,010 |  | $ | 35,702 |  | $ | 24,949 |  | $ | 2,587,591 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Commercial Real Estate - Agriculture: |  |  |  |  |  |  |
Pass | $ | 14,668 |  | $ | 37,256 |  | $ | 22,813 |  | $ | 21,001 |  | $ | 23,794 |  | $ | 93,890 |  | $ | 257 |  | $ | 6,364 |  | $ | 220,043 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 378 |  | 1,033 |  | 0 |  | 0 |  | 1,411 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 170 |  | 46 |  | 0 |  | 0 |  | 216 |
Total Commercial Real Estate - Agriculture | $ | 14,668 |  | $ | 37,256 |  | $ | 22,813 |  | $ | 21,001 |  | $ | 24,342 |  | $ | 94,969 |  | $ | 257 |  | $ | 6,364 |  | $ | 221,670 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Revolving Loans Converted to Term | Total Loans
Commercial Real Estate - Construction |  |  |  |  |  |  |
Pass | $ | 9,265 |  | $ | 2,793 |  | $ | 8,068 |  | $ | 2,501 |  | $ | 357 |  | $ | 596 |  | $ | 274,224 |  | $ | 5,602 |  | $ | 303,406 |
Special Mention | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Substandard | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Total Commercial Real Estate - Construction | $ | 9,265 |  | $ | 2,793 |  | $ | 8,068 |  | $ | 2,501 |  | $ | 357 |  | $ | 596 |  | $ | 274,224 |  | $ | 5,602 |  | $ | 303,406 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Residential - Home Equity |  |  |  |  |  |
Performing | $ | 2,378 |  | $ | 2,237 |  | $ | 890 |  | $ | 529 |  | $ | 832 |  | $ | 8,178 |  | $ | 164,205 |  | $ | 5,837 |  | $ | 185,086 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 337 |  | 2,893 |  | 0 |  | 3,230 |
Total Residential - Home Equity | $ | 2,378 |  | $ | 2,237 |  | $ | 890 |  | $ | 529 |  | $ | 832 |  | $ | 8,515 |  | $ | 167,098 |  | $ | 5,837 |  | $ | 188,316 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 20 |  | $ | 0 |  | $ | 0 |  | $ | 20 |
Residential - Mortgages |  |  |  |  |  |  |
Performing | $ | 131,004 |  | $ | 186,401 |  | $ | 256,127 |  | $ | 221,945 |  | $ | 109,594 |  | $ | 456,167 |  | $ | 0 |  | $ | 0 |  | $ | 1,361,238 |
Nonperforming | 0 |  | 393 |  | 329 |  | 986 |  | 883 |  | 9,446 |  | 0 |  | 0 |  | 12,037 |
Total Residential - Mortgages | $ | 131,004 |  | $ | 186,794 |  | $ | 256,456 |  | $ | 222,931 |  | $ | 110,477 |  | $ | 465,613 |  | $ | 0 |  | $ | 0 |  | $ | 1,373,275 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |
Consumer - Direct |  |  |  |  |  |  |  |
Performing | $ | 50,295 |  | $ | 13,327 |  | $ | 11,316 |  | $ | 5,157 |  | $ | 4,037 |  | $ | 9,857 |  | $ | 2,723 |  | $ | 0 |  | $ | 96,712 |
Nonperforming | 2 |  | 0 |  | 0 |  | 0 |  | 70 |  | 157 |  | 1 |  | 0 |  | 230 |
Total Consumer - Direct | $ | 50,297 |  | $ | 13,327 |  | $ | 11,316 |  | $ | 5,157 |  | $ | 4,107 |  | $ | 10,014 |  | $ | 2,724 |  | $ | 0 |  | $ | 96,942 |
Current-period gross writeoffs | $ | 801 |  | $ | 29 |  | $ | 16 |  | $ | 21 |  | $ | 83 |  | $ | 28 |  | $ | 0 |  | $ | 0 |  | $ | 978 |
Consumer - Indirect |  |  |  |  |  |  |
Performing | $ | 0 |  | $ | 0 |  | $ | 97 |  | $ | 68 |  | $ | 402 |  | $ | 234 |  | $ | 0 |  | $ | 0 |  | $ | 801 |
Nonperforming | 0 |  | 0 |  | 0 |  | 0 |  | 30 |  | 10 |  | 0 |  | 0 |  | 40 |
Total Consumer - Indirect | $ | 0 |  | $ | 0 |  | $ | 97 |  | $ | 68 |  | $ | 432 |  | $ | 244 |  | $ | 0 |  | $ | 0 |  | $ | 841 |
Current-period gross writeoffs | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 53 |  | $ | 14 |  | $ | 0 |  | $ | 0 |  | $ | 67 |

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