Schedule of activity in allowance for loan losses


	Three Months Ended June 30, 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	$	2,932	$	2,535	$	7,840	$	7,574	$	2,151	$	4,165	$	2,674	$	8,905	$	38,776
Provision for credit losses		791		(175)		(466)		(1,745)		452		(121)		(68)		252		(1,080)
Charge-offs		—		—		—		—		—		(4)		—		(175)		(179)
Recoveries		12		2		164		5		—		37		1		76		297
Ending balance	$	3,735	$	2,362	$	7,538	$	5,834	$	2,603	$	4,077	$	2,607	$	9,058	$	37,814

	Three Months Ended June 30, 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	$	2,491	$	1,511	$	7,014	$	4,493	$	1,354	$	1,583	$	842	$	5,220	$	24,508
Provision for loan losses		450		(287)		(408)		(434)		21		51		82		670		145
Charge-offs		—		—		—		—		—		(47)		—		(112)		(159)
Recoveries		40		—		5		—		—		109		—		86		240
Ending balance	$	2,981	$	1,224	$	6,611	$	4,059	$	1,375	$	1,696	$	924	$	5,864	$	24,734


	Six Months Ended June 30, 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		1,178		444		(161)		(606)		978		960		237		991		4,021
Charge-offs		—		(3)		—		—		—		(26)		—		(292)		(321)
Recoveries		31		14		238		8		—		95		2		163		551
Ending balance	$	3,735	$	2,362	$	7,538	$	5,834	$	2,603	$	4,077	$	2,607	$	9,058	$	37,814

	Six Months Ended June 30, 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		(203)		(716)		(1,804)		(855)		112		171		79		2,777		(439)
Charge-offs		(5)		—		—		—		—		(49)		—		(239)		(293)
Recoveries		749		100		270		—		—		263		—		148		1,530
Ending balance	$	2,981	$	1,224	$	6,611	$	4,059	$	1,375	$	1,696	$	924	$	5,864	$	24,734


			Commercial		Commercial										Municipal,
	Commercial		Real Estate		Real Estate		Construction				One-to-four		Agricultural		Consumer,
	and		Owner		Non-owner		and Land				Family		and		and
June 30, 2023	Industrial		Occupied		Occupied		Development		Multi-Family		Residential		Farmland		Other		Total

Loan balances:	(dollars in thousands)
Collectively evaluated for impairment	$	385,594	$	303,271	$	868,421	$	335,024	$	374,578	$	476,326	$	259,858	$	203,767	$	3,206,839
Individually evaluated for impairment		174		251		14,177		238		958		6,116		—		15,902		37,816
Total	$	385,768	$	303,522	$	882,598	$	335,262	$	375,536	$	482,442	$	259,858	$	219,669	$	3,244,655

Allowance for credit losses:
Collectively evaluated for impairment	$	3,730	$	2,350	$	6,280	$	5,834	$	2,603	$	3,705	$	2,607	$	5,656	$	32,765
Individually evaluated for impairment		5		12		1,258		—		—		372		—		3,402		5,049
Total	$	3,735	$	2,362	$	7,538	$	5,834	$	2,603	$	4,077	$	2,607	$	9,058	$	37,814

			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 amortized cost of collateral dependent loans


	Amortized Cost								Allowance
	Primary Collateral Type								for Credit
June 30, 2023	Real Estate		Vehicles		Other		Total		Losses

	(dollars in thousands)
Commercial and industrial	$	—	$	—	$	174	$	174	$	5
Commercial real estate - owner occupied		251		—		—		251		12
Commercial real estate - non-owner occupied		14,177		—		—		14,177		1,258
Construction and land development		238		—		—		238		—
Multi-family		958		—		—		958		—
One-to-four family residential		6,116		—		—		6,116		372
Agricultural and farmland		—		—		—		—		—
Municipal, consumer, and other		15,826		31		45		15,902		3,402
Total	$	37,566	$	31	$	219	$	37,816	$	5,049

Schedule of changes in the accretable yield for loans acquired with deteriorated credit quality


	Three Months Ended June 30, 2022		Six Months Ended June 30, 2022

	(dollars in thousands)
Beginning balance	$	484	$	413
Reclassification from non-accretable difference		100		217
Accretion income		(47)		(93)
Ending balance	$	537	$	537

Schedule of non-accrual loans


	Nonaccrual		Nonaccrual
	With		With No
	Allowance for		Allowance for		Total
June 30, 2023	Credit Losses		Credit Losses		Nonaccrual

	(dollars in thousands)
Commercial and industrial	$	128	$	46	$	174
Commercial real estate - owner occupied		74		177		251
Commercial real estate - non-owner occupied		219		171		390
Construction and land development		—		238		238
Multi-family		—		958		958
One-to-four family residential		129		5,318		5,447
Agricultural and farmland		—		—		—
Municipal, consumer, and other		—		76		76
Total	$	550	$	6,984	$	7,534

Schedule of risk ratings of loans, further sorted by origination year


															Revolving
															Loans
	Term Loans by Origination Year												Revolving		Converted
(dollars in thousands)	2023		2022		2021		2020		2019		Prior		Loans		to Term		Total
Commercial and industrial
Pass	$	69,081	$	63,617	$	27,992	$	31,141	$	6,418	$	10,665	$	166,040	$	3,269	$	378,223
Pass-Watch		117		934		—		535		825		211		581		697		3,900
Substandard		5		101		—		46		—		49		617		2,827		3,645
Total	$	69,203	$	64,652	$	27,992	$	31,722	$	7,243	$	10,925	$	167,238	$	6,793	$	385,768

Commercial real estate - owner occupied
Pass	$	19,573	$	63,767	$	61,278	$	59,353	$	34,394	$	35,565	$	7,185	$	—	$	281,115
Pass-Watch		672		2,365		2,773		358		2,747		1,795		950		—		11,660
Substandard		—		1,688		3,430		262		673		3,200		1,494		—		10,747
Total	$	20,245	$	67,820	$	67,481	$	59,973	$	37,814	$	40,560	$	9,629	$	—	$	303,522

Commercial real estate - non-owner occupied
Pass	$	53,549	$	260,402	$	264,052	$	98,430	$	86,880	$	48,439	$	9,567	$	3,789	$	825,108
Pass-Watch		758		—		7,475		—		7,379		3,870		13,734		145		33,361
Substandard		11,774		127		—		73		2,515		9,469		—		171		24,129
Total	$	66,081	$	260,529	$	271,527	$	98,503	$	96,774	$	61,778	$	23,301	$	4,105	$	882,598

Construction and land development
Pass	$	82,321	$	154,790	$	68,926	$	5,676	$	3,284	$	1,791	$	7,868	$	5,221	$	329,877
Pass-Watch		156		2,867		—		—		—		12		1,183		837		5,055
Substandard		—		—		—		—		—		317		—		13		330
Total	$	82,477	$	157,657	$	68,926	$	5,676	$	3,284	$	2,120	$	9,051	$	6,071	$	335,262

Multi-family
Pass	$	35,047	$	79,926	$	105,151	$	58,069	$	34,925	$	29,929	$	5,954	$	512	$	349,513
Pass-Watch		2,674		7,273		—		8,833		59		5,558		343		9		24,749
Substandard		—		—		315		—		489		470		—		—		1,274
Total	$	37,721	$	87,199	$	105,466	$	66,902	$	35,473	$	35,957	$	6,297	$	521	$	375,536

One-to-four family residential
Pass	$	69,055	$	90,014	$	88,637	$	69,356	$	23,957	$	57,917	$	57,698	$	4,891	$	461,525
Pass-Watch		1,011		670		1,164		572		713		2,909		295		320		7,654
Substandard		415		2,490		857		1,045		823		4,461		25		3,147		13,263
Total	$	70,481	$	93,174	$	90,658	$	70,973	$	25,493	$	65,287	$	58,018	$	8,358	$	482,442

Agricultural and farmland
Pass	$	24,392	$	40,120	$	39,227	$	40,052	$	9,319	$	9,194	$	86,766	$	2,318	$	251,388
Pass-Watch		825		1,691		96		1,021		145		960		404		—		5,142
Substandard		—		—		16		3,312		—		—		—		—		3,328
Total	$	25,217	$	41,811	$	39,339	$	44,385	$	9,464	$	10,154	$	87,170	$	2,318	$	259,858

Municipal, Consumer, and other
Pass	$	31,397	$	70,574	$	28,952	$	15,154	$	1,793	$	45,049	$	8,787	$	2	$	201,708
Pass-Watch		—		20		26		20		—		1,855		—		—		1,921
Substandard		32		94		7		—		46		15,861		—		—		16,040
Total	$	31,429	$	70,688	$	28,985	$	15,174	$	1,839	$	62,765	$	8,787	$	2	$	219,669

Total by Risk Rating
Pass	$	384,415	$	823,210	$	684,215	$	377,231	$	200,970	$	238,549	$	349,865	$	20,002	$	3,078,457
Pass-Watch		6,213		15,820		11,534		11,339		11,868		17,170		17,490		2,008		93,442
Substandard		12,226		4,500		4,625		4,738		4,546		33,827		2,136		6,158		72,756
Total	$	402,854	$	843,530	$	700,374	$	393,308	$	217,384	$	289,546	$	369,491	$	28,168	$	3,244,655