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Loans | 3 Months Ended
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Mar. 31, 2021
Receivables [Abstract] |
Loans | LOANS Total net loans at March 31, 2021 and December 31, 2020 are summarized as follows:
| March 31, 2021 |  | Percentage of Total |  | December 31, 2020 |  | Percentage of Total
Farmland | $ | 24,066 |  |  | 0.7 | % |  | $ | 23,316 |  |  | 0.7 | %
Owner-occupied, nonfarm nonresidential properties | 408,355 |  |  | 12.0 | % |  | 407,924 |  |  | 12.1 | %
Agricultural production and other loans to farmers | 3,519 |  |  | 0.1 | % |  | 2,664 |  |  | 0.1 | %
Commercial and Industrial | 690,927 |  |  | 20.3 | % |  | 663,550 |  |  | 19.7 | %
Obligations (other than securities and leases) of states and political subdivisions | 130,859 |  |  | 3.8 | % |  | 132,818 |  |  | 3.9 | %
Other loans | 11,413 |  |  | 0.3 | % |  | 11,961 |  |  | 0.4 | %
Other construction loans and all land development and other land loans | 221,012 |  |  | 6.5 | % |  | 205,734 |  |  | 6.1 | %
Multifamily (5 or more) residential properties | 235,702 |  |  | 6.9 | % |  | 212,815 |  |  | 6.3 | %
Non-owner occupied, nonfarm nonresidential properties | 622,765 |  |  | 18.3 | % |  | 640,945 |  |  | 19.0 | %
1-4 Family Construction | 23,667 |  |  | 0.7 | % |  | 27,768 |  |  | 0.8 | %
Home equity lines of credit | 105,754 |  |  | 3.1 | % |  | 109,444 |  |  | 3.2 | %
Residential Mortgages secured by first liens | 771,564 |  |  | 22.7 | % |  | 777,030 |  |  | 23.0 | %
Residential Mortgages secured by junior liens | 53,014 |  |  | 1.6 | % |  | 53,726 |  |  | 1.6 | %
Other revolving credit plans | 25,966 |  |  | 0.8 | % |  | 25,507 |  |  | 0.8 | %
Automobile | 24,171 |  |  | 0.7 | % |  | 25,344 |  |  | 0.8 | %
Other consumer | 40,120 |  |  | 1.2 | % |  | 42,792 |  |  | 1.3 | %
Credit cards | 7,875 |  |  | 0.2 | % |  | 8,115 |  |  | 0.2 | %
Overdrafts | 235 |  |  | 0.0 | % |  | 336 |  |  | 0.0 | %
Total loans | $ | 3,400,984 |  |  | 100.0 | % |  | $ | 3,371,789 |  |  | 100.0 | %
Less: Allowance for credit losses | (35,555) |  |  |  |  | (34,340) |  |  |
Loans, net | $ | 3,365,429 |  |  |  |  | $ | 3,337,449 |  |  |
Net deferred loan origination fees (costs) included in the above loan table | $ | 10,889 |  |  |  |  | $ | 8,789 |  |  |
The Corporation’s outstanding loans and related unfunded commitments are primarily concentrated within central and northwest Pennsylvania, central and northeast Ohio, and western New York. The Bank attempts to limit concentrations within specific industries by utilizing dollar limitations to single industries or customers, and by entering into participation agreements with third parties. Collateral requirements are established based on management’s assessment of the customer. The Corporation maintains lending policies to control the quality of the loan portfolio. These policies delegate the authority to extend loans under specific guidelines and underwriting standards. These policies are prepared by the Corporation’s management and reviewed and ratified annually by the Corporation’s Board of Directors. As a result of the adoption of ASC 326 effective January 1, 2020, there is a lack of comparability in both the allowance and provisions for credit losses for the periods presented. Beginning with the quarter ended December 31, 2020, the Corporation adopted ASC 326 and subsequent results are presented using the current expected credit losses (“CECL”) methodology. Prior to the quarter ended December 31, 2020, the results are reported in accordance with the incurred loss methodology and have not been restated. Transactions in the allowance for credit losses for the three months ended March 31, 2021 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Loss Expense |  | Ending Allowance
Farmland | $ | 221 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3 |  |  | $ | 224 |
Owner-occupied, nonfarm nonresidential properties | 3,700 |  |  | (531) |  |  | 2 |  |  | (236) |  |  | 2,935 |
Agricultural production and other loans to farmers | 24 |  |  | 0 |  |  | 0 |  |  | 4 |  |  | 28 |
Commercial and Industrial | 6,233 |  |  | (56) |  |  | 5 |  |  | 297 |  |  | 6,479 |
Obligations (other than securities and leases) of states and political subdivisions | 998 |  |  | 0 |  |  | 0 |  |  | 717 |  |  | 1,715 |
Other loans | 68 |  |  | 0 |  |  | 0 |  |  | 5 |  |  | 73 |
Other construction loans and all land development and other land loans | 1,956 |  |  | 0 |  |  | 0 |  |  | 50 |  |  | 2,006 |
Multifamily (5 or more) residential properties | 2,724 |  |  | 0 |  |  | 0 |  |  | 30 |  |  | 2,754 |
Non-owner occupied, nonfarm nonresidential properties | 8,658 |  |  | 0 |  |  | 0 |  |  | 2,668 |  |  | 11,326 |
1-4 Family Construction | 82 |  |  | 0 |  |  | 0 |  |  | (15) |  |  | 67 |
Home equity lines of credit | 985 |  |  | 0 |  |  | 0 |  |  | (142) |  |  | 843 |
Residential Mortgages secured by first liens | 4,539 |  |  | (28) |  |  | 31 |  |  | (992) |  |  | 3,550 |
Residential Mortgages secured by junior liens | 241 |  |  | 0 |  |  | 0 |  |  | (17) |  |  | 224 |
Other revolving credit plans | 507 |  |  | (6) |  |  | 2 |  |  | 24 |  |  | 527 |
Automobile | 132 |  |  | (5) |  |  | 0 |  |  | 55 |  |  | 182 |
Other consumer | 2,962 |  |  | (315) |  |  | 48 |  |  | (321) |  |  | 2,374 |
Credit cards | 66 |  |  | (33) |  |  | 8 |  |  | 24 |  |  | 65 |
Overdrafts | 244 |  |  | (84) |  |  | 55 |  |  | (32) |  |  | 183 |
Total loans | $ | 34,340 |  |  | $ | (1,058) |  |  | $ | 151 |  |  | $ | 2,122 |  |  | $ | 35,555 |
The Corporation's allowance for credit losses is influenced by loan volumes, risk rating migration, delinquency status and other conditions influencing loss expectations, such as reasonable and supportable forecasts of economic conditions. For the three months ended March 31, 2021, the allowance for credit losses increased due to the addition of $2,349 in specific reserves related to three commercial loan relationships, partially offset by net charge offs of $907, which were primarily impacted by one commercial loan relationship. The Corporation did not have any significant changes in their assumptions to the key drivers of the allowance for credit losses during the period. Transactions in the allowance for loan losses for the three months ended March 31, 2020 under the incurred loss methodology were as follows:
| Commercial, Industrial and Agricultural |  | Commercial Mortgages |  | Residential Real Estate |  | Consumer |  | Credit Cards |  | Overdrafts |  | Total
Allowance for loan losses, January 1, 2020 | $ | 8,287 |  |  | $ | 6,952 |  |  | $ | 1,499 |  |  | $ | 2,411 |  |  | $ | 84 |  |  | $ | 240 |  |  | $ | 19,473 |
Charge-offs | (25) |  |  | 0 |  |  | (143) |  |  | (592) |  |  | (31) |  |  | (119) |  |  | (910) |
Recoveries | 18 |  |  | 172 |  |  | 3 |  |  | 43 |  |  | 1 |  |  | 36 |  |  | 273 |
Provision (benefit) for loan losses | 2,252 |  |  | 368 |  |  | 99 |  |  | 276 |  |  | 58 |  |  | 26 |  |  | 3,079 |
Allowance for loan losses, March 31, 2020 | $ | 10,532 |  |  | $ | 7,492 |  |  | $ | 1,458 |  |  | $ | 2,138 |  |  | $ | 112 |  |  | $ | 183 |  |  | $ | 21,915 |
The following table presents information for impaired loans for the three months ended March 31, 2020:
| Three months ended March 31, 2020 |  |
| Average Recorded Investment |  | Interest Income Recognized |  | Cash Basis Interest Recognized |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and agricultural | $ | 4,272 |  |  | $ | 17 |  |  | $ | 17 |  |  |  |  |  |  |
Commercial mortgage | 4,331 |  |  | 37 |  |  | 37 |  |  |  |  |  |  |
Residential real estate | 463 |  |  | 5 |  |  | 5 |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, industrial and agricultural | 7,161 |  |  | 42 |  |  | 42 |  |  |  |  |  |  |
Commercial mortgage | 9,598 |  |  | 158 |  |  | 158 |  |  |  |  |  |  |
Residential real estate | 0 |  |  | 0 |  |  | 0 |  |  |  |  |  |  |
Total | $ | 25,825 |  |  | $ | 259 |  |  | $ | 259 |  |  |  |  |  |  |
The following tables presents the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of March 31, 2021 and December 31, 2020, respectively:
| March 31, 2021
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Past Due over 89 Days Still Accruing
Farmland | $ | 1,843 |  |  | $ | 50 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 1,482 |  |  | 1,179 |  |  | 0 |
Commercial and Industrial | 6,477 |  |  | 587 |  |  | 884 |
Obligations (other than securities and leases) of states and political subdivisions | 706 |  |  | 0 |  |  | 0 |
Other construction loans and all land development and other land loans | 1,892 |  |  | 77 |  |  | 0 |
Multifamily (5 or more) residential properties | 994 |  |  | 0 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 13,980 |  |  | 489 |  |  | 0 |
Home equity lines of credit | 754 |  |  | 754 |  |  | 0 |
Residential Mortgages secured by first liens | 3,283 |  |  | 3,283 |  |  | 76 |
Residential Mortgages secured by junior liens | 100 |  |  | 100 |  |  | 0 |
Other revolving credit plans | 17 |  |  | 17 |  |  | 0 |
Automobile | 7 |  |  | 7 |  |  | 0 |
Other consumer | 347 |  |  | 347 |  |  | 0 |
Credit cards | 0 |  |  | 0 |  |  | 27 |
Total loans | $ | 31,882 |  |  | $ | 6,890 |  |  | $ | 987 |
| December 31, 2020
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Past Due over 89 Days Still Accruing
Farmland | $ | 1,844 |  |  | $ | 51 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 1,781 |  |  | 909 |  |  | 0 |
Commercial and Industrial | 6,657 |  |  | 464 |  |  | 0 |
Other construction loans and all land development and other land loans | 2,349 |  |  | 77 |  |  | 0 |
Multifamily (5 or more) residential properties | 288 |  |  | 0 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 11,932 |  |  | 394 |  |  | 0 |
Home equity lines of credit | 685 |  |  | 685 |  |  | 0 |
Residential Mortgages secured by first liens | 4,175 |  |  | 3,495 |  |  | 283 |
Residential Mortgages secured by junior liens | 114 |  |  | 114 |  |  | 0 |
Other revolving credit plans | 6 |  |  | 6 |  |  | 0 |
Automobile | 32 |  |  | 32 |  |  | 0 |
Other consumer | 496 |  |  | 496 |  |  | 8 |
Credit cards | 0 |  |  | 0 |  |  | 34 |
Total loans | $ | 30,359 |  |  | $ | 6,723 |  |  | $ | 325 |
All payments received while on nonaccrual status are applied against the principal balance of the loan. The Corporation does not recognize interest income while loans are on nonaccrual status. The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2021:
| Real Estate Collateral |  | Non-Real Estate Collateral
Farmland | $ | 1,793 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 267 |  |  | 36 |
Commercial and Industrial | 398 |  |  | 5,492 |
Obligations (other than securities and leases) of states and political subdivisions | 706 |  |  | 0 |
Other construction loans and all land development and other land loans | 1,815 |  |  | 0 |
Multifamily (5 or more) residential properties | 994 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 11,747 |  |  | 158 |
Residential Mortgages secured by first liens | 451 |  |  | 0 |
Total loans | $ | 18,171 |  |  | $ | 5,686 |
The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of December 31, 2020:
| Real Estate Collateral |  | Non-Real Estate Collateral
Farmland | $ | 1,793 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 285 |  |  | 587 |
Commercial and Industrial | 594 |  |  | 5,600 |
Other construction loans and all land development and other land loans | 2,272 |  |  | 0 |
Multifamily (5 or more) residential properties | 288 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 9,072 |  |  | 880 |
Residential Mortgages secured by first liens | 1,135 |  |  | 0 |
Total loans | $ | 15,439 |  |  | $ | 7,067 |
The following table presents the aging of the amortized cost basis in past-due loans as of March 31, 2021 by class of loans:
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Farmland | $ | 193 |  |  | $ | 0 |  |  | $ | 1,211 |  |  | $ | 1,404 |  |  | $ | 22,662 |  |  | $ | 24,066 |
Owner-occupied, nonfarm nonresidential properties | 334 |  |  | 0 |  |  | 991 |  |  | 1,325 |  |  | 407,030 |  |  | 408,355 |
Agricultural production and other loans to farmers | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 3,519 |  |  | 3,519 |
Commercial and Industrial | 1,064 |  |  | 1,045 |  |  | 4,281 |  |  | 6,390 |  |  | 684,537 |  |  | 690,927 |
Obligations (other than securities and leases) of states and political subdivisions | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 130,859 |  |  | 130,859 |
Other loans | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 11,413 |  |  | 11,413 |
Other construction loans and all land development and other land loans | 0 |  |  | 0 |  |  | 1,453 |  |  | 1,453 |  |  | 219,559 |  |  | 221,012 |
Multifamily (5 or more) residential properties | 209 |  |  | 0 |  |  | 0 |  |  | 209 |  |  | 235,493 |  |  | 235,702 |
Non-owner occupied, nonfarm nonresidential properties | 0 |  |  | 312 |  |  | 10,233 |  |  | 10,545 |  |  | 612,220 |  |  | 622,765 |
1-4 Family Construction | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 23,667 |  |  | 23,667 |
Home equity lines of credit | 33 |  |  | 178 |  |  | 98 |  |  | 309 |  |  | 105,445 |  |  | 105,754 |
Residential Mortgages secured by first liens | 1,365 |  |  | 462 |  |  | 1,381 |  |  | 3,208 |  |  | 768,356 |  |  | 771,564 |
Residential Mortgages secured by junior liens | 0 |  |  | 93 |  |  | 21 |  |  | 114 |  |  | 52,900 |  |  | 53,014 |
Other revolving credit plans | 0 |  |  | 8 |  |  | 13 |  |  | 21 |  |  | 25,945 |  |  | 25,966 |
Automobile | 55 |  |  | 0 |  |  | 5 |  |  | 60 |  |  | 24,111 |  |  | 24,171 |
Other consumer | 211 |  |  | 99 |  |  | 166 |  |  | 476 |  |  | 39,644 |  |  | 40,120 |
Credit cards | 17 |  |  | 26 |  |  | 27 |  |  | 70 |  |  | 7,805 |  |  | 7,875 |
Overdrafts | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 235 |  |  | 235 |
Total loans | $ | 3,481 |  |  | $ | 2,223 |  |  | $ | 19,880 |  |  | $ | 25,584 |  |  | $ | 3,375,400 |  |  | $ | 3,400,984 |
The following table presents the aging of the amortized cost basis in past-due loans as of December 31, 2020 by class of loans:
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Total
Farmland | $ | 195 |  |  | $ | 0 |  |  | $ | 1,211 |  |  | $ | 1,406 |  |  | $ | 21,910 |  |  | $ | 23,316 |
Owner-occupied, nonfarm nonresidential properties | 10 |  |  | 885 |  |  | 732 |  |  | 1,627 |  |  | 406,297 |  |  | 407,924 |
Agricultural production and other loans to farmers | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 2,664 |  |  | 2,664 |
Commercial and Industrial | 476 |  |  | 335 |  |  | 3,887 |  |  | 4,698 |  |  | 658,852 |  |  | 663,550 |
Obligations (other than securities and leases) of states and political subdivisions | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 132,818 |  |  | 132,818 |
Other loans | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 11,961 |  |  | 11,961 |
Other construction loans and all land development and other land loans | 0 |  |  | 0 |  |  | 1,917 |  |  | 1,917 |  |  | 203,817 |  |  | 205,734 |
Multifamily (5 or more) residential properties | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 212,815 |  |  | 212,815 |
Non-owner occupied, nonfarm nonresidential properties | 314 |  |  | 156 |  |  | 10,184 |  |  | 10,654 |  |  | 630,291 |  |  | 640,945 |
1-4 Family Construction | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 27,768 |  |  | 27,768 |
Home equity lines of credit | 166 |  |  | 235 |  |  | 486 |  |  | 887 |  |  | 108,557 |  |  | 109,444 |
Residential Mortgages secured by first liens | 2,834 |  |  | 629 |  |  | 1,911 |  |  | 5,374 |  |  | 771,656 |  |  | 777,030 |
Residential Mortgages secured by junior liens | 8 |  |  | 0 |  |  | 66 |  |  | 74 |  |  | 53,652 |  |  | 53,726 |
Other revolving credit plans | 36 |  |  | 19 |  |  | 0 |  |  | 55 |  |  | 25,452 |  |  | 25,507 |
Automobile | 73 |  |  | 0 |  |  | 9 |  |  | 82 |  |  | 25,262 |  |  | 25,344 |
Other consumer | 246 |  |  | 132 |  |  | 245 |  |  | 623 |  |  | 42,169 |  |  | 42,792 |
Credit cards | 72 |  |  | 39 |  |  | 34 |  |  | 145 |  |  | 7,970 |  |  | 8,115 |
Overdrafts | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 336 |  |  | 336 |
Total loans | $ | 4,430 |  |  | $ | 2,430 |  |  | $ | 20,682 |  |  | $ | 27,542 |  |  | $ | 3,344,247 |  |  | $ | 3,371,789 |
Troubled Debt Restructurings In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of its debt in the foreseeable future without a loan modification. This evaluation is performed using the Corporation’s internal underwriting policies. The Corporation has no further loan commitments to customers whose loans are classified as a troubled debt restructuring. As of March 31, 2021 and December 31, 2020, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included either or both of the following: a reduction of the stated interest rate of the loan; or an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk. The Corporation had an amortized cost in troubled debt restructurings of $17,105 and $15,088 as of March 31, 2021 and December 31, 2020, respectively. The Corporation has allocated $1,385 and $779 of allowance for those loans as of March 31, 2021 and December 31, 2020, respectively. The following table presents loans modified as TDRs during the three months ended March 31, 2021:
| Three Months Ended March 31, 2021
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
Multifamily (5 or more) residential properties | 1 |  |  | $ | 717 |  |  | $ | 717 |
Non-owner occupied, nonfarm nonresidential properties | 1 |  |  | 1,604 |  |  | 1,604 |
Total loans | 2 |  |  | $ | 2,321 |  |  | $ | 2,321 |
There were no loans modified as troubled debt restructurings during the three months ended March 31, 2020. The troubled debt restructurings described above increased the allowance for credit losses by zero and zero during the three months ended March 31, 2021 and March 31, 2020, respectively. A loan is considered to be in payment default once it is 90 days contractually past due under the modified terms. There were no loans modified as troubled debt restructurings for which there was a payment default within a twelve-month cycle following the modification during the three months ended March 31, 2021 and March 31, 2020. There were no principal balances forgiven in connection with the loan restructurings. Generally, nonperforming troubled debt restructurings are restored to accrual status when the obligation is brought current, has performed in accordance with the contractual terms for a reasonable period of time (generally six months) and the ultimate collectability of the total contractual principal and interest is no longer in doubt. Credit Quality Indicators The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually to classify the loans as to credit risk. The Corporation uses the following definitions for risk ratings: Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the Corporation’s credit position at some future date. Substandard: Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Doubtful: Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions, and values, highly questionable and improbable. The following tables detail the amortized cost of loans, by year of origination (for term loans) and by risk grade within each portfolio segment as of March 31, 2021. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,340 |  |  | $ | 1,609 |  |  | $ | 4,018 |  |  | $ | 3,686 |  |  | $ | 3,623 |  |  | $ | 5,112 |  |  | $ | 680 |  |  | $ | 0 |  |  | $ | 21,068 |
Special mention | 0 |  |  | 1,156 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,156 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 49 |  |  | 1,793 |  |  | 0 |  |  | 0 |  |  | 1,842 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 2,340 |  |  | $ | 2,765 |  |  | $ | 4,018 |  |  | $ | 3,686 |  |  | $ | 3,672 |  |  | $ | 6,905 |  |  | $ | 680 |  |  | $ | 0 |  |  | $ | 24,066 |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 21,542 |  |  | $ | 92,037 |  |  | $ | 97,475 |  |  | $ | 48,063 |  |  | $ | 54,569 |  |  | $ | 71,633 |  |  | $ | 8,211 |  |  | $ | 0 |  |  | $ | 393,530 |
Special mention | 0 |  |  | 0 |  |  | 863 |  |  | 65 |  |  | 146 |  |  | 1,595 |  |  | 77 |  |  | 0 |  |  | 2,746 |
Substandard | 0 |  |  | 996 |  |  | 2,401 |  |  | 2,006 |  |  | 384 |  |  | 6,035 |  |  | 257 |  |  | 0 |  |  | 12,079 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 21,542 |  |  | $ | 93,033 |  |  | $ | 100,739 |  |  | $ | 50,134 |  |  | $ | 55,099 |  |  | $ | 79,263 |  |  | $ | 8,545 |  |  | $ | 0 |  |  | $ | 408,355 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 785 |  |  | $ | 217 |  |  | $ | 142 |  |  | $ | 599 |  |  | $ | 0 |  |  | $ | 53 |  |  | $ | 1,723 |  |  | $ | 0 |  |  | $ | 3,519 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 785 |  |  | $ | 217 |  |  | $ | 142 |  |  | $ | 599 |  |  | $ | 0 |  |  | $ | 53 |  |  | $ | 1,723 |  |  | $ | 0 |  |  | $ | 3,519 |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 160,165 |  |  | $ | 209,202 |  |  | $ | 46,734 |  |  | $ | 35,707 |  |  | $ | 23,364 |  |  | $ | 28,812 |  |  | $ | 164,494 |  |  | $ | 0 |  |  | $ | 668,478 |
Special mention | 0 |  |  | 110 |  |  | 980 |  |  | 3,544 |  |  | 223 |  |  | 1,223 |  |  | 939 |  |  | 0 |  |  | 7,019 |
Substandard | 70 |  |  | 786 |  |  | 1,949 |  |  | 1,214 |  |  | 144 |  |  | 5,613 |  |  | 5,654 |  |  | 0 |  |  | 15,430 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 160,235 |  |  | $ | 210,098 |  |  | $ | 49,663 |  |  | $ | 40,465 |  |  | $ | 23,731 |  |  | $ | 35,648 |  |  | $ | 171,087 |  |  | $ | 0 |  |  | $ | 690,927 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 69 |  |  | $ | 10,596 |  |  | $ | 12,163 |  |  | $ | 34,411 |  |  | $ | 20,742 |  |  | $ | 43,512 |  |  | $ | 8,660 |  |  | $ | 0 |  |  | $ | 130,153 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 706 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 706 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 69 |  |  | $ | 11,302 |  |  | $ | 12,163 |  |  | $ | 34,411 |  |  | $ | 20,742 |  |  | $ | 43,512 |  |  | $ | 8,660 |  |  | $ | 0 |  |  | $ | 130,859 |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 11 |  |  | $ | 7,855 |  |  | $ | 699 |  |  | $ | 366 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,482 |  |  | $ | 0 |  |  | $ | 11,413 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 11 |  |  | $ | 7,855 |  |  | $ | 699 |  |  | $ | 366 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,482 |  |  | $ | 0 |  |  | $ | 11,413 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Other construction loans and all land development and other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 9,167 |  |  | $ | 127,040 |  |  | $ | 54,770 |  |  | $ | 18,002 |  |  | $ | 1,035 |  |  | $ | 1,648 |  |  | $ | 3,088 |  |  | $ | 0 |  |  | $ | 214,750 |
Special mention | 0 |  |  | 1,340 |  |  | 666 |  |  | 29 |  |  | 2,774 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 4,809 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,376 |  |  | 77 |  |  | 0 |  |  | 1,453 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 9,167 |  |  | $ | 128,380 |  |  | $ | 55,436 |  |  | $ | 18,031 |  |  | $ | 3,809 |  |  | $ | 3,024 |  |  | $ | 3,165 |  |  | $ | 0 |  |  | $ | 221,012 |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 45,945 |  |  | $ | 70,202 |  |  | $ | 33,892 |  |  | $ | 14,010 |  |  | $ | 48,845 |  |  | $ | 19,039 |  |  | $ | 2,566 |  |  | $ | 0 |  |  | $ | 234,499 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 717 |  |  | 6 |  |  | 0 |  |  | 276 |  |  | 204 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,203 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 46,662 |  |  | $ | 70,208 |  |  | $ | 33,892 |  |  | $ | 14,286 |  |  | $ | 49,049 |  |  | $ | 19,039 |  |  | $ | 2,566 |  |  | $ | 0 |  |  | $ | 235,702 |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 15,475 |  |  | $ | 141,872 |  |  | $ | 124,898 |  |  | $ | 87,695 |  |  | $ | 50,563 |  |  | $ | 147,584 |  |  | $ | 9,371 |  |  | $ | 0 |  |  | $ | 577,458 |
Special mention | 3,727 |  |  | 91 |  |  | 754 |  |  | 1,201 |  |  | 3,660 |  |  | 1,668 |  |  | 450 |  |  | 0 |  |  | 11,551 |
Substandard | 1,604 |  |  | 0 |  |  | 12,294 |  |  | 326 |  |  | 7,552 |  |  | 11,382 |  |  | 598 |  |  | 0 |  |  | 33,756 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 20,806 |  |  | $ | 141,963 |  |  | $ | 137,946 |  |  | $ | 89,222 |  |  | $ | 61,775 |  |  | $ | 160,634 |  |  | $ | 10,419 |  |  | $ | 0 |  |  | $ | 622,765 |
The following tables detail the amortized cost of loans, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 31, 2020. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,617 |  |  | $ | 4,448 |  |  | $ | 3,767 |  |  | $ | 3,648 |  |  | $ | 894 |  |  | $ | 5,280 |  |  | $ | 662 |  |  | $ | 0 |  |  | $ | 20,316 |
Special mention | 1,156 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,156 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 51 |  |  | 582 |  |  | 1,211 |  |  | 0 |  |  | 0 |  |  | 1,844 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 2,773 |  |  | $ | 4,448 |  |  | $ | 3,767 |  |  | $ | 3,699 |  |  | $ | 1,476 |  |  | $ | 6,491 |  |  | $ | 662 |  |  | $ | 0 |  |  | $ | 23,316 |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 86,694 |  |  | $ | 109,228 |  |  | $ | 52,818 |  |  | $ | 56,948 |  |  | $ | 26,119 |  |  | $ | 50,839 |  |  | $ | 9,253 |  |  | $ | 0 |  |  | $ | 391,899 |
Special mention | 0 |  |  | 452 |  |  | 74 |  |  | 541 |  |  | 318 |  |  | 1,310 |  |  | 131 |  |  | 0 |  |  | 2,826 |
Substandard | 1,021 |  |  | 2,449 |  |  | 2,438 |  |  | 938 |  |  | 3,675 |  |  | 2,430 |  |  | 248 |  |  | 0 |  |  | 13,199 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 87,715 |  |  | $ | 112,129 |  |  | $ | 55,330 |  |  | $ | 58,427 |  |  | $ | 30,112 |  |  | $ | 54,579 |  |  | $ | 9,632 |  |  | $ | 0 |  |  | $ | 407,924 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 267 |  |  | $ | 155 |  |  | $ | 601 |  |  | $ | 0 |  |  | $ | 54 |  |  | $ | 0 |  |  | $ | 1,587 |  |  | $ | 0 |  |  | $ | 2,664 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 267 |  |  | $ | 155 |  |  | $ | 601 |  |  | $ | 0 |  |  | $ | 54 |  |  | $ | 0 |  |  | $ | 1,587 |  |  | $ | 0 |  |  | $ | 2,664 |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 318,323 |  |  | $ | 54,620 |  |  | $ | 46,854 |  |  | $ | 32,426 |  |  | $ | 7,197 |  |  | $ | 7,265 |  |  | $ | 170,386 |  |  | $ | 0 |  |  | $ | 637,071 |
Special mention | 127 |  |  | 1,017 |  |  | 3,489 |  |  | 712 |  |  | 300 |  |  | 1,033 |  |  | 4,690 |  |  | 0 |  |  | 11,368 |
Substandard | 801 |  |  | 1,916 |  |  | 1,212 |  |  | 112 |  |  | 37 |  |  | 4,858 |  |  | 6,175 |  |  | 0 |  |  | 15,111 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 319,251 |  |  | $ | 57,553 |  |  | $ | 51,555 |  |  | $ | 33,250 |  |  | $ | 7,534 |  |  | $ | 13,156 |  |  | $ | 181,251 |  |  | $ | 0 |  |  | $ | 663,550 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 10,722 |  |  | $ | 12,279 |  |  | $ | 35,176 |  |  | $ | 20,891 |  |  | $ | 19,365 |  |  | $ | 24,789 |  |  | $ | 8,888 |  |  | $ | 0 |  |  | $ | 132,110 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 708 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 708 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 11,430 |  |  | $ | 12,279 |  |  | $ | 35,176 |  |  | $ | 20,891 |  |  | $ | 19,365 |  |  | $ | 24,789 |  |  | $ | 8,888 |  |  | $ | 0 |  |  | $ | 132,818 |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 7,268 |  |  | $ | 1,237 |  |  | $ | 386 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,070 |  |  | $ | 0 |  |  | $ | 11,961 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 7,268 |  |  | $ | 1,237 |  |  | $ | 386 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,070 |  |  | $ | 0 |  |  | $ | 11,961 |
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Other construction loans and all land development and other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 119,380 |  |  | $ | 52,078 |  |  | $ | 19,977 |  |  | $ | 2,300 |  |  | $ | 28 |  |  | $ | 1,895 |  |  | $ | 2,548 |  |  | $ | 0 |  |  | $ | 198,206 |
Special mention | 1,417 |  |  | 672 |  |  | 29 |  |  | 3,303 |  |  | 0 |  |  | 190 |  |  | 0 |  |  | 0 |  |  | 5,611 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,840 |  |  | 77 |  |  | 0 |  |  | 1,917 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 120,797 |  |  | $ | 52,750 |  |  | $ | 20,006 |  |  | $ | 5,603 |  |  | $ | 28 |  |  | $ | 3,925 |  |  | $ | 2,625 |  |  | $ | 0 |  |  | $ | 205,734 |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 73,572 |  |  | $ | 39,633 |  |  | $ | 26,230 |  |  | $ | 49,178 |  |  | $ | 4,086 |  |  | $ | 16,957 |  |  | $ | 1,907 |  |  | $ | 0 |  |  | $ | 211,563 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Substandard | 6 |  |  | 753 |  |  | 288 |  |  | 205 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,252 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 73,578 |  |  | $ | 40,386 |  |  | $ | 26,518 |  |  | $ | 49,383 |  |  | $ | 4,086 |  |  | $ | 16,957 |  |  | $ | 1,907 |  |  | $ | 0 |  |  | $ | 212,815 |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 161,045 |  |  | $ | 127,518 |  |  | $ | 89,520 |  |  | $ | 55,966 |  |  | $ | 44,959 |  |  | $ | 105,962 |  |  | $ | 9,633 |  |  | $ | 0 |  |  | $ | 594,603 |
Special mention | 99 |  |  | 895 |  |  | 2,111 |  |  | 3,969 |  |  | 835 |  |  | 4,137 |  |  | 450 |  |  | 0 |  |  | 12,496 |
Substandard | 0 |  |  | 12,325 |  |  | 326 |  |  | 7,584 |  |  | 722 |  |  | 12,289 |  |  | 600 |  |  | 0 |  |  | 33,846 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 161,144 |  |  | $ | 140,738 |  |  | $ | 91,957 |  |  | $ | 67,519 |  |  | $ | 46,516 |  |  | $ | 122,388 |  |  | $ | 10,683 |  |  | $ | 0 |  |  | $ | 640,945 |
The Corporation considers the performance of the loan portfolio and its impact on the allowance for credit losses. For 1-4 family construction, home equity lines of credit, residential mortgages secured by first liens, residential mortgages secured by junior liens, automobile, credit cards, other revolving credit plans and other consumer segments, the Corporation evaluates credit quality based on the performance status the loan, which was previously presented, and by payment activity. Nonperforming loans include loans on nonaccrual status and loans past due over 89 days and still accruing interest. The following tables detail the amortized cost of loans, by year of origination (for term loans) and by payment activity within each portfolio segment as of March 31, 2021. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
1-4 Family Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 1,764 |  |  | $ | 14,202 |  |  | $ | 7,632 |  |  | $ | 69 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 23,667 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 1,764 |  |  | $ | 14,202 |  |  | $ | 7,632 |  |  | $ | 69 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 23,667 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 1,096 |  |  | $ | 20,280 |  |  | $ | 11,732 |  |  | $ | 11,636 |  |  | $ | 7,955 |  |  | $ | 47,750 |  |  | $ | 4,551 |  |  | $ | 0 |  |  | $ | 105,000 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 399 |  |  | 355 |  |  | 0 |  |  | 0 |  |  | 754 |
Total | $ | 1,096 |  |  | $ | 20,280 |  |  | $ | 11,732 |  |  | $ | 11,636 |  |  | $ | 8,354 |  |  | $ | 48,105 |  |  | $ | 4,551 |  |  | $ | 0 |  |  | $ | 105,754 |
Residential mortgages secured by first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 40,254 |  |  | $ | 202,846 |  |  | $ | 127,240 |  |  | $ | 85,003 |  |  | $ | 93,825 |  |  | $ | 215,258 |  |  | $ | 3,779 |  |  | $ | 0 |  |  | $ | 768,205 |
Nonperforming | 0 |  |  | 156 |  |  | 83 |  |  | 51 |  |  | 212 |  |  | 2,796 |  |  | 61 |  |  | 0 |  |  | 3,359 |
Total | $ | 40,254 |  |  | $ | 203,002 |  |  | $ | 127,323 |  |  | $ | 85,054 |  |  | $ | 94,037 |  |  | $ | 218,054 |  |  | $ | 3,840 |  |  | $ | 0 |  |  | $ | 771,564 |
Residential mortgages secured by junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 3,303 |  |  | $ | 14,238 |  |  | $ | 11,113 |  |  | $ | 6,337 |  |  | $ | 5,118 |  |  | $ | 12,403 |  |  | $ | 402 |  |  | $ | 0 |  |  | $ | 52,914 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 100 |  |  | 0 |  |  | 0 |  |  | 100 |
Total | $ | 3,303 |  |  | $ | 14,238 |  |  | $ | 11,113 |  |  | $ | 6,337 |  |  | $ | 5,118 |  |  | $ | 12,503 |  |  | $ | 402 |  |  | $ | 0 |  |  | $ | 53,014 |
Other revolving credit plans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 2,305 |  |  | $ | 3,262 |  |  | $ | 4,424 |  |  | $ | 3,461 |  |  | $ | 2,953 |  |  | $ | 9,544 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 25,949 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 12 |  |  | 0 |  |  | 5 |  |  | 0 |  |  | 0 |  |  | 17 |
Total | $ | 2,305 |  |  | $ | 3,262 |  |  | $ | 4,424 |  |  | $ | 3,473 |  |  | $ | 2,953 |  |  | $ | 9,549 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 25,966 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 1,806 |  |  | $ | 8,221 |  |  | $ | 7,633 |  |  | $ | 3,981 |  |  | $ | 1,331 |  |  | $ | 1,192 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 24,164 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 5 |  |  | 2 |  |  | 0 |  |  | 0 |  |  | 7 |
Total | $ | 1,806 |  |  | $ | 8,221 |  |  | $ | 7,633 |  |  | $ | 3,981 |  |  | $ | 1,336 |  |  | $ | 1,194 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 24,171 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 5,045 |  |  | $ | 20,619 |  |  | $ | 9,051 |  |  | $ | 2,763 |  |  | $ | 623 |  |  | $ | 1,672 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 39,773 |
Nonperforming | 0 |  |  | 82 |  |  | 147 |  |  | 46 |  |  | 4 |  |  | 68 |  |  | 0 |  |  | 0 |  |  | 347 |
Total | $ | 5,045 |  |  | $ | 20,701 |  |  | $ | 9,198 |  |  | $ | 2,809 |  |  | $ | 627 |  |  | $ | 1,740 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 40,120 |
The following tables detail the amortized cost of loans, by year of origination (for term loans) and by payment activity within each portfolio segment as of December 31, 2020. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
1-4 Family Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 16,081 |  |  | $ | 11,547 |  |  | $ | 140 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 27,768 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 16,081 |  |  | $ | 11,547 |  |  | $ | 140 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 27,768 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 19,764 |  |  | $ | 12,823 |  |  | $ | 12,842 |  |  | $ | 8,793 |  |  | $ | 8,182 |  |  | $ | 42,514 |  |  | $ | 3,841 |  |  | $ | 0 |  |  | $ | 108,759 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 302 |  |  | 33 |  |  | 350 |  |  | 0 |  |  | 0 |  |  | 685 |
Total | $ | 19,764 |  |  | $ | 12,823 |  |  | $ | 12,842 |  |  | $ | 9,095 |  |  | $ | 8,215 |  |  | $ | 42,864 |  |  | $ | 3,841 |  |  | $ | 0 |  |  | $ | 109,444 |
Residential mortgages secured by first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 211,910 |  |  | $ | 136,181 |  |  | $ | 93,588 |  |  | $ | 99,520 |  |  | $ | 62,312 |  |  | $ | 163,556 |  |  | $ | 5,505 |  |  | $ | 0 |  |  | $ | 772,572 |
Nonperforming | 0 |  |  | 84 |  |  | 887 |  |  | 143 |  |  | 61 |  |  | 3,261 |  |  | 22 |  |  | 0 |  |  | 4,458 |
Total | $ | 211,910 |  |  | $ | 136,265 |  |  | $ | 94,475 |  |  | $ | 99,663 |  |  | $ | 62,373 |  |  | $ | 166,817 |  |  | $ | 5,527 |  |  | $ | 0 |  |  | $ | 777,030 |
Residential mortgages secured by junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 14,552 |  |  | $ | 12,255 |  |  | $ | 7,031 |  |  | $ | 5,660 |  |  | $ | 3,347 |  |  | $ | 10,389 |  |  | $ | 378 |  |  | $ | 0 |  |  | $ | 53,612 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 19 |  |  | 95 |  |  | 0 |  |  | 0 |  |  | 114 |
Total | $ | 14,552 |  |  | $ | 12,255 |  |  | $ | 7,031 |  |  | $ | 5,660 |  |  | $ | 3,366 |  |  | $ | 10,484 |  |  | $ | 378 |  |  | $ | 0 |  |  | $ | 53,726 |
Other revolving credit plans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 4,088 |  |  | $ | 4,516 |  |  | $ | 3,320 |  |  | $ | 3,149 |  |  | $ | 1,301 |  |  | $ | 9,127 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 25,501 |
Nonperforming | 0 |  |  | 0 |  |  | 4 |  |  | 0 |  |  | 0 |  |  | 2 |  |  | 0 |  |  | 0 |  |  | 6 |
Total | $ | 4,088 |  |  | $ | 4,516 |  |  | $ | 3,324 |  |  | $ | 3,149 |  |  | $ | 1,301 |  |  | $ | 9,129 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 25,507 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 8,965 |  |  | $ | 8,595 |  |  | $ | 4,652 |  |  | $ | 1,635 |  |  | $ | 764 |  |  | $ | 701 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 25,312 |
Nonperforming | 0 |  |  | 4 |  |  | 0 |  |  | 6 |  |  | 0 |  |  | 22 |  |  | 0 |  |  | 0 |  |  | 32 |
Total | $ | 8,965 |  |  | $ | 8,599 |  |  | $ | 4,652 |  |  | $ | 1,641 |  |  | $ | 764 |  |  | $ | 723 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 25,344 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 24,857 |  |  | $ | 11,183 |  |  | $ | 3,579 |  |  | $ | 796 |  |  | $ | 218 |  |  | $ | 1,655 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 42,288 |
Nonperforming | 82 |  |  | 264 |  |  | 75 |  |  | 13 |  |  | 0 |  |  | 70 |  |  | 0 |  |  | 0 |  |  | 504 |
Total | $ | 24,939 |  |  | $ | 11,447 |  |  | $ | 3,654 |  |  | $ | 809 |  |  | $ | 218 |  |  | $ | 1,725 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 42,792 |
| March 31, 2021 |  | December 31, 2020
| Consumer |  | Consumer
Credit card |  |  |
Payment performance |  |  |
Performing | $ | 7,848 |  |  | $ | 8,081 |
Nonperforming | 27 |  |  | 34 |
Total | $ | 7,875 |  |  | $ | 8,115 |
Purchased Credit Deteriorated Loans The Corporation has purchased loans, for which there was, at acquisition, evidence of more than insignificant deterioration of credit quality since origination. The carrying amount of those loans is as follows:
| July 17, 2020
Purchase price of loans at acquisition | $ | 21,768 |
Allowance for credit losses at acquisition | 980 |
Non-credit discount / (premium) at acquisition | 1,063 |
Par value of acquired loans at acquisition | $ | 23,811 |
The Corporation’s portfolio of residential real estate and consumer loans maintained within Holiday Financial Services Corporation (“Holiday”) are considered to be subprime loans. Holiday is a subsidiary that offers small balance unsecured and secured loans, primarily collateralized by automobiles and equipment, to borrowers with higher risk characteristics than are typical in the Bank’s consumer loan portfolio. Holiday’s loan portfolio, included in consumer loans above, is summarized as follows at March 31, 2021 and December 31, 2020:
| March 31, 2021 |  | December 31, 2020
Gross consumer loans | $ | 25,999 |  |  | $ | 27,998 |
Less: unearned discounts | (4,753) |  |  | (5,181) |
Total consumer loans, net of unearned discounts | $ | 21,246 |  |  | $ | 22,817 |

X
- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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