Schedule of activity in allowance for loan losses


	Three Months Ended March 31, 2023
			Commercial		Commercial										Municipal,
	Commercial		Real Estate		Real Estate		Construction				One-to-four		Agricultural		Consumer,
	and		Owner		Non-owner		and Land				Family		and		and
	Industrial		Occupied		Occupied		Development		Multi-Family		Residential		Farmland		Other		Total

	(dollars in thousands)
Beginning balance	$	3,279	$	1,193	$	6,721	$	4,223	$	1,472	$	1,759	$	796	$	5,890	$	25,333
Adoption of ASC 326		(822)		587		501		1,969		85		797		1,567		2,299		6,983
PCD allowance established in acquisition		69		127		239		240		68		492		5		7		1,247
Provision for credit losses		387		619		305		1,139		526		1,081		305		739		5,101
Charge-offs		—		(3)		—		—		—		(22)		—		(117)		(142)
Recoveries		19		12		74		3		—		58		1		87		254
Ending balance	$	2,932	$	2,535	$	7,840	$	7,574	$	2,151	$	4,165	$	2,674	$	8,905	$	38,776

	Three Months Ended March 31, 2022
			Commercial		Commercial										Municipal,
	Commercial		Real Estate		Real Estate		Construction				One-to-four		Agricultural		Consumer,
	and		Owner		Non-owner		and Land				Family		and		and
	Industrial		Occupied		Occupied		Development		Multi-Family		Residential		Farmland		Other		Total

	(dollars in thousands)
Beginning balance	$	2,440	$	1,840	$	8,145	$	4,914	$	1,263	$	1,311	$	845	$	3,178	$	23,936
Provision for loan losses		(653)		(429)		(1,396)		(421)		91		120		(3)		2,107		(584)
Charge-offs		(5)		—		—		—		—		(2)		—		(127)		(134)
Recoveries		709		100		265		—		—		154		—		62		1,290
Ending balance	$	2,491	$	1,511	$	7,014	$	4,493	$	1,354	$	1,583	$	842	$	5,220	$	24,508


			Commercial		Commercial										Municipal,
	Commercial		Real Estate		Real Estate		Construction				One-to-four		Agricultural		Consumer,
	and		Owner		Non-owner		and Land				Family		and		and
March 31, 2023	Industrial		Occupied		Occupied		Development		Multi-Family		Residential		Farmland		Other		Total

Loan balances:	(dollars in thousands)
Collectively evaluated for impairment	$	332,878	$	316,652	$	827,220	$	388,904	$	361,636	$	477,893	$	243,357	$	196,739	$	3,145,279
Individually evaluated for impairment		135		451		26,804		238		1,036		4,839		—		16,758		50,261
Total	$	333,013	$	317,103	$	854,024	$	389,142	$	362,672	$	482,732	$	243,357	$	213,497	$	3,195,540

Allowance for credit losses:
Collectively evaluated for impairment	$	2,932	$	2,524	$	5,747	$	7,574	$	2,151	$	3,718	$	2,674	$	5,333	$	32,653
Individually evaluated for impairment		—		11		2,093		—		—		447		—		3,572		6,123
Total	$	2,932	$	2,535	$	7,840	$	7,574	$	2,151	$	4,165	$	2,674	$	8,905	$	38,776

			Commercial		Commercial										Municipal,
	Commercial		Real Estate		Real Estate		Construction				One-to-four		Agricultural		Consumer,
	and		Owner		Non-owner		and Land				Family		and		and
December 31, 2022	Industrial		Occupied		Occupied		Development		Multi-Family		Residential		Farmland		Other		Total

Loan balances:	(dollars in thousands)
Collectively evaluated for impairment	$	261,833	$	203,558	$	671,663	$	359,892	$	287,298	$	325,621	$	233,118	$	184,579	$	2,527,562
Individually evaluated for impairment		4,818		11,366		30,509		82		—		8,399		4,033		12,508		71,715
Acquired with deteriorated credit quality		106		3,579		11,030		850		567		4,233		595		16		20,976
Total	$	266,757	$	218,503	$	713,202	$	360,824	$	287,865	$	338,253	$	237,746	$	197,103	$	2,620,253

Allowance for loan losses:
Collectively evaluated for impairment	$	3,121	$	1,008	$	4,332	$	4,221	$	1,470	$	1,709	$	796	$	2,327	$	18,984
Individually evaluated for impairment		158		168		2,388		—		—		44		—		3,562		6,320
Acquired with deteriorated credit quality		—		17		1		2		2		6		—		1		29
Total	$	3,279	$	1,193	$	6,721	$	4,223	$	1,472	$	1,759	$	796	$	5,890	$	25,333

Schedule of recorded investment on past due basis


	Accruing Interest
			30 - 89 Days		90+ Days				Total
March 31, 2023	Current		Past Due		Past Due		Nonaccrual		Loans

	(dollars in thousands)
Commercial and industrial	$	332,741	$	137	$	—	$	135	$	333,013
Commercial real estate - owner occupied		316,651		—		—		452		317,103
Commercial real estate - non-owner occupied		853,634		—		—		390		854,024
Construction and land development		388,777		127		—		238		389,142
Multi-family		361,636		—		—		1,036		362,672
One-to-four family residential		475,504		3,059		—		4,169		482,732
Agricultural and farmland		243,357		—		—		—		243,357
Municipal, consumer, and other		213,251		148		10		88		213,497
Total	$	3,185,551	$	3,471	$	10	$	6,508	$	3,195,540


	Accruing Interest
			30 - 89 Days		90+ Days				Total
December 31, 2022	Current		Past Due		Past Due		Nonaccrual		Loans

	(dollars in thousands)
Commercial and industrial	$	266,521	$	17	$	—	$	219	$	266,757
Commercial real estate - owner occupied		218,242		187		—		74		218,503
Commercial real estate - non-owner occupied		713,031		—		—		171		713,202
Construction and land development		360,763		61		—		—		360,824
Multi-family		287,854		11		—		—		287,865
One-to-four family residential		335,576		894		145		1,638		338,253
Agricultural and farmland		237,727		19		—		—		237,746
Municipal, consumer, and other		196,892		157		1		53		197,103
Total	$	2,616,606	$	1,346	$	146	$	2,155	$	2,620,253

Schedule of loans by category risk ratings


March 31, 2023	Pass		Pass-Watch		Substandard		Doubtful		Total

	(dollars in thousands)
Commercial and industrial	$	315,892	$	4,793	$	12,328	$	—	$	333,013
Commercial real estate - owner occupied		289,875		16,520		10,708		—		317,103
Commercial real estate - non-owner occupied		788,300		29,253		36,471		—		854,024
Construction and land development		387,057		1,759		326		—		389,142
Multi-family		358,538		3,098		1,036		—		362,672
One-to-four family residential		464,444		7,544		10,744		—		482,732
Agricultural and farmland		231,171		8,000		4,186		—		243,357
Municipal, consumer, and other		195,514		1,080		16,903		—		213,497
Total	$	3,030,791	$	72,047	$	92,702	$	—	$	3,195,540


December 31, 2022	Pass		Pass-Watch		Substandard		Doubtful		Total

	(dollars in thousands)
Commercial and industrial	$	255,309	$	6,630	$	4,818	$	—	$	266,757
Commercial real estate - owner occupied		198,546		10,105		9,852		—		218,503
Commercial real estate - non-owner occupied		652,691		27,282		33,229		—		713,202
Construction and land development		358,215		2,527		82		—		360,824
Multi-family		283,682		4,183		—		—		287,865
One-to-four family residential		323,632		5,907		8,714		—		338,253
Agricultural and farmland		223,114		10,004		4,628		—		237,746
Municipal, consumer, and other		184,299		296		12,508		—		197,103
Total	$	2,479,488	$	66,934	$	73,831	$	—	$	2,620,253

Schedule of gross charge-offs, further sorted by origination year


	Gross Charge-Offs for the Three Months Ended March 31, 2023
															Revolving
															Loans
	Term Loans by Origination Year												Revolving		Converted
	2023		2022		2021		2020		2019		Prior		Loans		to Term		Total

	(dollars in thousands)
Commercial and industrial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Commercial real estate - owner occupied		—		3		—		—		—		—		—		—		3
Commercial real estate - non-owner occupied		—		—		—		—		—		—		—		—		—
Construction and land development		—		—		—		—		—		—		—		—		—
Multi-family		—		—		—		—		—		—		—		—		—
One-to-four family residential		—		—		—		—		1		21		—		—		22
Agricultural and farmland		—		—		—		—		—		—		—		—		—
Municipal, consumer, and other		35		53		—		9		—		—		20		—		117
Total	$	35	$	56	$	—	$	9	$	1	$	21	$	20	$	—	$	142

Schedule of non-accrual loans


	Nonaccrual		Nonaccrual
	With		With No
	Allowance for		Allowance for		Total
March 31, 2023	Credit Losses		Credit Losses		Nonaccrual

	(dollars in thousands)
Commercial and industrial	$	—	$	135	$	135
Commercial real estate - owner occupied		75		377		452
Commercial real estate - non-owner occupied		219		171		390
Construction and land development		—		238		238
Multi-family		—		1,036		1,036
One-to-four family residential		386		3,783		4,169
Agricultural and farmland		—		—		—
Municipal, consumer, and other		52		36		88
Total	$	732	$	5,776	$	6,508