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Loans (Tables)

9 Months Ended

Sep. 30, 2021

Receivables [Abstract]

Schedule of Net Loans

Total net loans at September 30, 2021 and December 31, 2020 are summarized as follows:

			September 30, 2021						Percentage of Total						December 31, 2020						Percentage of Total
Farmland			$	23,417					0.7		%				$	23,316					0.7		%
Owner-occupied, nonfarm nonresidential properties			421,439						12.0		%				407,924						12.1		%
Agricultural production and other loans to farmers			1,387						0.0		%				2,664						0.1		%
Commercial and Industrial 1			663,769						18.9		%				663,550						19.7		%
Obligations (other than securities and leases) of states and political subdivisions			139,253						4.0		%				132,818						3.9		%
Other loans			12,087						0.3		%				11,961						0.4		%
Other construction loans and all land development and other land loans			280,262						8.0		%				205,734						6.1		%
Multifamily (5 or more) residential properties			213,906						6.1		%				212,815						6.3		%
Non-owner occupied, nonfarm nonresidential properties			645,951						18.4		%				640,945						19.0		%
1-4 Family Construction			31,775						0.9		%				27,768						0.8		%
Home equity lines of credit			107,225						3.1		%				109,444						3.2		%
Residential Mortgages secured by first liens			810,190						23.1		%				777,030						23.0		%
Residential Mortgages secured by junior liens			57,342						1.6		%				53,726						1.6		%
Other revolving credit plans			26,226						0.7		%				25,507						0.8		%
Automobile			22,311						0.6		%				25,344						0.8		%
Other consumer			45,003						1.3		%				42,792						1.3		%
Credit cards			9,313						0.3		%				8,115						0.2		%
Overdrafts			269						0.0		%				336						0.0		%
Total loans			$	3,511,125					100.0		%				$	3,371,789					100.0		%
Less: Allowance for credit losses			(37,230)												(34,340)
Loans, net			$	3,473,895											$	3,337,449
Net deferred loan origination fees (costs) included in the above loan table			$	7,872											$	8,789
1 PPP loans, net of deferred PPP processing fees, both those disbursed in 2020 and those disbursed in 2021, are included in the Commercial and Industrial classification.

Transactions in the allowance for credit losses for the three months ended September 30, 2021 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Loss Expense						Ending Allowance
Farmland			$	124					$	0					$	0					$	(26)					$	98
Owner-occupied, nonfarm nonresidential properties			2,880						0						3						154						3,037
Agricultural production and other loans to farmers			12						0						0						(5)						7
Commercial and Industrial			7,312						(23)						52						989						8,330
Obligations (other than securities and leases) of states and political subdivisions			2,325						(157)						0						(289)						1,879
Other loans			117						0						0						(15)						102
Other construction loans and all land development and other land loans			2,364						(282)						0						287						2,369
Multifamily (5 or more) residential properties			2,314						0						0						(219)						2,095
Non-owner occupied, nonfarm nonresidential properties			10,162						(18)						0						(2,865)						7,279
1-4 Family Construction			110						0						0						116						226
Home equity lines of credit			1,029						(7)						1						197						1,220
Residential Mortgages secured by first liens			4,398						(5)						2						2,030						6,425
Residential Mortgages secured by junior liens			408						(3)						0						144						549
Other revolving credit plans			459						(5)						4						70						528
Automobile			241						(12)						0						49						278
Other consumer			2,402						(268)						25						331						2,490
Credit cards			68						(5)						6						43						112
Overdrafts			183						(127)						41						109						206
Total loans			$	36,908					$	(912)					$	134					$	1,100					$	37,230

Transactions in the allowance for credit losses for the nine months ended September 30, 2021 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Loss Expense						Ending Allowance
Farmland			$	221					$	0					$	0					$	(123)					$	98
Owner-occupied, nonfarm nonresidential properties			3,700						(531)						8						(140)						3,037
Agricultural production and other loans to farmers			24						0						0						(17)						7
Commercial and Industrial			6,233						(93)						72						2,118						8,330
Obligations (other than securities and leases) of states and political subdivisions			998						(407)						0						1,288						1,879
Other loans			68						0						0						34						102
Other construction loans and all land development and other land loans			1,956						(282)						0						695						2,369
Multifamily (5 or more) residential properties			2,724						0						0						(629)						2,095
Non-owner occupied, nonfarm nonresidential properties			8,658						(18)						0						(1,361)						7,279
1-4 Family Construction			82						0						0						144						226
Home equity lines of credit			985						(7)						3						239						1,220
Residential Mortgages secured by first liens			4,539						(75)						34						1,927						6,425
Residential Mortgages secured by junior liens			241						(3)						0						311						549
Other revolving credit plans			507						(28)						9						40						528
Automobile			132						(17)						3						160						278
Other consumer			2,962						(829)						120						237						2,490
Credit cards			66						(77)						17						106						112
Overdrafts			244						(318)						120						160						206
Total loans			$	34,340					$	(2,685)					$	386					$	5,189					$	37,230

Allowance for Loan Losses

Transactions in the allowance for loan losses for the three months ended September 30, 2020 were as follows:

			Commercial, Industrial  and Agricultural						Commercial Mortgages						Residential Real Estate						Consumer						Credit Cards						Overdrafts						Total
Allowance for loan losses, July 1, 2020			$	9,802					$	9,628					$	2,676					$	2,140					$	114					$	169					$	24,529
Charge-offs			(62)						(522)						(69)						(305)						(48)						(102)						(1,108)
Recoveries			15						3						64						45						2						31						160
Provision for loan losses			(106)						2,052						941						329						75						15						3,306
Allowance for loan losses, September 30, 2020			$	9,649					$	11,161					$	3,612					$	2,209					$	143					$	113					$	26,887

Transactions in the allowance for loan losses for the nine months ended September 30, 2020 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			(2,710)						(522)						(231)						(1,310)						(120)						(316)						(5,209)
Recoveries			40						177						67						126						13						135						558
Provision for loan losses			4,032						4,554						2,277						982						166						54						12,065
Allowance for loan losses, September 30, 2020			$	9,649					$	11,161					$	3,612					$	2,209					$	143					$	113					$	26,887

Impaired Financing Receivables with Related and not Related Allowances

The unpaid principal balance of impaired loans includes the Corporation’s recorded investment in the loan and amounts that have been recorded as charge-offs.

			Three months ended September 30, 2020																		Nine months ended September 30, 2020
			Average Recorded Investment						Interest Income Recognized						Cash Basis Interest Recognized						Average Recorded Investment						Interest Income Recognized						Cash Basis Interest Recognized
With an allowance recorded:
Commercial, industrial and agricultural			$	2,409					$	33					$	33					$	3,341					$	78					$	78
Commercial mortgage			$	4,002					$	0					$	0					4,166						41						41
Residential real estate			$	819					$	11					$	11					641						16						16
With no related allowance recorded:
Commercial, industrial and agricultural			$	5,623					$	51					$	51					6,392						142						142
Commercial mortgage			$	14,758					$	59					$	59					12,178						283						283
Residential real estate			$	112					$	4					$	4					56						6						6
Total			$	27,723					$	158					$	158					$	26,774					$	566					$	566

Nonaccrual Loans and Loans Past Due over 90 Days Still Accruing Interest by Class of Loans

The following tables presents the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of September 30, 2021 and December 31, 2020, respectively:

			September 30, 2021
			Nonaccrual						Nonaccrual With No Allowance for Credit Loss						Loans Past Due over 89 Days Still Accruing
Farmland			$	992					$	992					$	0
Owner-occupied, nonfarm nonresidential properties			1,344						1,244						0
Commercial and Industrial			5,796						1,249						0
Obligations (other than securities and leases) of states and political subdivisions			269						269						0
Other construction loans and all land development and other land loans			516						77						0
Multifamily (5 or more) residential properties			1,155						5						0
Non-owner occupied, nonfarm nonresidential properties			5,390						3,763						0
Home equity lines of credit			780						780						39
Residential Mortgages secured by first liens			3,098						3,098						652
Residential Mortgages secured by junior liens			157						157						0
Other revolving credit plans			9						9						0
Other consumer			498						498						0
Credit cards			0						0						33
Total loans			$	20,004					$	12,141					$	724

			December 31, 2020
			Nonaccrual						Nonaccrual With No Allowance for Credit Loss						Loans Past Due over 89 Days Still Accruing
Farmland			$	1,844					$	633					$	0
Owner-occupied, nonfarm nonresidential properties			1,781						967						0
Commercial and Industrial			6,657						959						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						9,466						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					$	16,930					$	325

Aging of Recorded Investment in Past Due Loans

The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2021:

			Real Estate Collateral						Non-Real Estate Collateral
Farmland			$	945					$	0
Owner-occupied, nonfarm nonresidential properties			218						17
Commercial and Industrial			0						2,415
Obligations (other than securities and leases) of states and political subdivisions			269						0
Other construction loans and all land development and other land loans			439						0
Multifamily (5 or more) residential properties			1,150						0
Non-owner occupied, nonfarm nonresidential properties			3,410						0
Residential Mortgages secured by first liens			441						0
Total loans			$	6,872					$	2,432

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 September 30, 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			$	163					$	388					$	0					$	551					$	22,866					$	23,417
Owner-occupied, nonfarm nonresidential properties			533						0						826						1,359						420,080						421,439
Agricultural production and other loans to farmers			0						0						0						0						1,387						1,387
Commercial and Industrial			370						25						212						607						663,162						663,769
Obligations (other than securities and leases) of states and political subdivisions			0						0						0						0						139,253						139,253
Other loans			0						0						0						0						12,087						12,087
Other construction loans and all land development and other land loans			0						0						77						77						280,185						280,262
Multifamily (5 or more) residential properties			0						0						209						209						213,697						213,906
Non-owner occupied, nonfarm nonresidential properties			0						0						1,827						1,827						644,124						645,951
1-4 Family Construction			0						0						0						0						31,775						31,775
Home equity lines of credit			385						38						152						575						106,650						107,225
Residential Mortgages secured by first liens			1,350						592						1,841						3,783						806,407						810,190
Residential Mortgages secured by junior liens			25						0						11						36						57,306						57,342
Other revolving credit plans			100						7						0						107						26,119						26,226
Automobile			24						5						0						29						22,282						22,311
Other consumer			290						163						217						670						44,333						45,003
Credit cards			55						1						33						89						9,224						9,313
Overdrafts			0						0						0						0						269						269
Total loans			$	3,295					$	1,219					$	5,405					$	9,919					$	3,501,206					$	3,511,125

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

Restructured in Troubled Debt

There were three loans modified as troubled debt restructurings during the nine months ended September 30, 2021:

			Nine Months Ended September 30, 2021
			Number of Loans						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment
Commercial and Industrial			1						$	578					$	578
Multifamily (5 or more) residential properties			1						717						717
Non-owner occupied, nonfarm nonresidential properties			1						1,604						1,604
Total loans			3						$	2,899					$	2,899

There was one loan modified as a troubled debt restructuring during the three months ended September 30, 2020.

			Three months ended September 30, 2020
			Number of Loans						Pre-Modification Outstanding Recorded Investment Balance						Post-Modification Outstanding Recorded Investment Reserve
Commercial mortgages			1						$	46					$	46
Total			1						$	46					$	46

There were ten loans modified as troubled debt restructurings during the nine months ended September 30, 2020.

			Nine months ended September 30, 2020
			Number of Loans						Pre-Modification Outstanding Recorded Investment Balance						Post-Modification Outstanding Recorded Investment Reserve
Commercial, industrial and agricultural			8						$	1,593					$	1,593
Commercial mortgages			1						46						46
Residential real estate			1						116						116
Total			10						$	1,755					$	1,755

Schedule of Credit Risk Profile by Risk Rating

The following tables represent the Corporation's credit risk profile by risk rating. Loans not rated as special mention, substandard, or doubtful are considered to be pass rated loans.

			September 30, 2021
									Non-Pass Rated
			Pass						Special Mention						Substandard						Doubtful						Total Non-Pass						Total
Farmland			$	20,911					$	1,514					$	992					$	0					$	2,506					$	23,417
Owner-occupied, nonfarm nonresidential properties			404,770						6,574						10,095						0						16,669						421,439
Agricultural production and other loans to farmers			1,387						0						0						0						0						1,387
Commercial and Industrial			640,507						8,724						13,115						1,423						23,262						663,769
Obligations (other than securities and leases) of states and political subdivisions			138,984						0						269						0						269						139,253
Other loans			12,087						0						0						0						0						12,087
Other construction loans and all land development and other land loans			275,222						4,495						545						0						5,040						280,262
Multifamily (5 or more) residential properties			212,750						0						1,156						0						1,156						213,906
Non-owner occupied, nonfarm nonresidential properties			612,906						7,434						25,611						0						33,045						645,951
Total loans			$	2,319,524					$	28,741					$	51,783					$	1,423					$	81,947					$	2,401,471

			December 31, 2020
									Non-Pass Rated
			Pass						Special Mention						Substandard						Doubtful						Total Non-Pass						Total
Farmland			$	20,316					$	1,156					$	1,844					$	0					$	3,000					$	23,316
Owner-occupied, nonfarm nonresidential properties			391,899						2,826						13,199						0						16,025						407,924
Agricultural production and other loans to farmers			2,664						0						0						0						0						2,664
Commercial and Industrial			637,071						11,368						15,111						0						26,479						663,550
Obligations (other than securities and leases) of states and political subdivisions			132,110						0						708						0						708						132,818
Other loans			11,961						0						0						0						0						11,961
Other construction loans and all land development and other land loans			198,206						5,611						1,917						0						7,528						205,734
Multifamily (5 or more) residential properties			211,563						0						1,252						0						1,252						212,815
Non-owner occupied, nonfarm nonresidential properties			594,603						12,496						33,846						0						46,342						640,945
Total loans			$	2,200,393					$	33,457					$	67,877					$	0					$	101,334					$	2,301,727

Schedule of Loan Assigned Risk Rating within 12 Months of Balance Sheet Date

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 September 30, 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			$	7,400					$	1,744					$	3,291					$	3,633					$	588					$	3,668					$	587					$	0					$	20,911
Special mention			0						0						0						0						394						1,120						0						0						1,514
Substandard			0						0						0						0						47						945						0						0						992
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	7,400					$	1,744					$	3,291					$	3,633					$	1,029					$	5,733					$	587					$	0					$	23,417
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass			$	94,875					$	87,579					$	80,317					$	34,805					$	43,282					$	55,306					$	8,606					$	0					$	404,770
Special mention			0						0						911						4,332						139						1,182						10						0						6,574
Substandard			525						902						2,258						650						358						5,214						188						0						10,095
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	95,400					$	88,481					$	83,486					$	39,787					$	43,779					$	61,702					$	8,804					$	0					$	421,439
Agricultural production and other loans to farmers
Risk rating
Pass			$	133					$	128					$	80					$	200					$	0					$	11					$	835					$	0					$	1,387
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			$	133					$	128					$	80					$	200					$	0					$	11					$	835					$	0					$	1,387
Commercial and Industrial
Risk rating
Pass			$	279,839					$	91,409					$	38,688					$	17,815					$	13,268					$	6,183					$	193,305					$	0					$	640,507
Special mention			0						384						861						967						175						874						5,463						0						8,724
Substandard			621						810						1,907						472						102						3,632						5,571						0						13,115
Doubtful			0						0						0						0						0						1,423						0						0						1,423
Total			$	280,460					$	92,603					$	41,456					$	19,254					$	13,545					$	12,112					$	204,339					$	0					$	663,769
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass			$	27,893					$	16,938					$	8,910					$	22,504					$	20,303					$	37,882					$	4,554					$	0					$	138,984
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						269						0						0						0						0						0						0						269
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	27,893					$	17,207					$	8,910					$	22,504					$	20,303					$	37,882					$	4,554					$	0					$	139,253
Other loans
Risk rating
Pass			$	594					$	7,456					$	596					$	2					$	0					$	0					$	3,439					$	0					$	12,087
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			$	594					$	7,456					$	596					$	2					$	0					$	0					$	3,439					$	0					$	12,087

			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			$	61,332					$	154,174					$	41,789					$	11,252					$	882					$	1,035					$	4,758					$	0					$	275,222
Special mention			1,500						0						656						0						2,339						0						0						0						4,495
Substandard			0						0						0						29						439						0						77						0						545
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	62,832					$	154,174					$	42,445					$	11,281					$	3,660					$	1,035					$	4,835					$	0					$	280,262
Multifamily (5 or more) residential properties
Risk rating
Pass			$	59,809					$	58,167					$	32,515					$	8,303					$	38,416					$	13,188					$	2,352					$	0					$	212,750
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						6						693						253						204						0						0						0						1,156
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	59,809					$	58,173					$	33,208					$	8,556					$	38,620					$	13,188					$	2,352					$	0					$	213,906
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass			$	131,098					$	135,960					$	88,632					$	66,343					$	49,630					$	131,164					$	10,079					$	0					$	612,906
Special mention			0						0						433						1,017						191						5,343						450						0						7,434
Substandard			834						0						3,867						1,667						7,155						11,748						340						0						25,611
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	131,932					$	135,960					$	92,932					$	69,027					$	56,976					$	148,255					$	10,869					$	0					$	645,951

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 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 September 30, 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			$	19,385					$	10,746					$	1,279					$	67					$	0					$	0					$	298					$	0					$	31,775
Nonperforming			0						0						0						0						0						0						0						0						0
Total			$	19,385					$	10,746					$	1,279					$	67					$	0					$	0					$	298					$	0					$	31,775
Home equity lines of credit
Payment performance
Performing			$	12,717					$	17,171					$	10,366					$	10,216					$	7,147					$	41,470					$	7,358					$	0					$	106,445
Nonperforming			0						0						0						0						385						395						0						0						780
Total			$	12,717					$	17,171					$	10,366					$	10,216					$	7,532					$	41,865					$	7,358					$	0					$	107,225
Residential mortgages secured by first lien
Payment performance
Performing			$	179,087					$	183,988					$	118,206					$	69,709					$	78,933					$	173,295					$	3,874					$	0					$	807,092
Nonperforming			0						149						155						31						193						2,529						41						0						3,098
Total			$	179,087					$	184,137					$	118,361					$	69,740					$	79,126					$	175,824					$	3,915					$	0					$	810,190
Residential mortgages secured by junior liens
Payment performance
Performing			$	16,814					$	12,542					$	8,181					$	4,828					$	4,128					$	9,983					$	709					$	0					$	57,185
Nonperforming			0						0						0						0						87						70						0						0						157
Total			$	16,814					$	12,542					$	8,181					$	4,828					$	4,215					$	10,053					$	709					$	0					$	57,342
Other revolving credit plans
Payment performance
Performing			$	3,372					$	3,538					$	3,963					$	3,062					$	3,007					$	9,275					$	0					$	0					$	26,217
Nonperforming			0						0						0						4						0						5						0						0						9
Total			$	3,372					$	3,538					$	3,963					$	3,066					$	3,007					$	9,280					$	0					$	0					$	26,226
Automobile
Payment performance
Performing			$	6,278					$	6,272					$	5,326					$	2,848					$	834					$	753					$	0					$	0					$	22,311
Nonperforming			0						0						0						0						0						0						0						0						0
Total			$	6,278					$	6,272					$	5,326					$	2,848					$	834					$	753					$	0					$	0					$	22,311
Other consumer
Payment performance
Performing			$	21,705					$	13,573					$	5,673					$	1,729					$	381					$	1,444					$	0					$	0					$	44,505
Nonperforming			86						162						134						42						12						62						0						0						498
Total			$	21,791					$	13,735					$	5,807					$	1,771					$	393					$	1,506					$	0					$	0					$	45,003

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

			September 30, 2021						December 31, 2020
Credit card
Payment performance
Performing			$	9,280					$	8,081
Nonperforming			33						34
Total			$	9,313					$	8,115

Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity

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 of 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.

			September 30, 2021																		December 31, 2020
			Performing						Nonperforming						Total						Performing						Nonperforming						Total
1-4 Family Construction			$	31,775					$	0					$	31,775					$	27,768					$	0					$	27,768
Home equity lines of credit			106,445						780						107,225						108,759						685						109,444
Residential Mortgages secured by first liens			807,092						3,098						810,190						772,572						4,458						777,030
Residential Mortgages secured by junior liens			57,185						157						57,342						53,612						114						53,726
Other revolving credit plans			26,217						9						26,226						25,501						6						25,507
Automobile			22,311						0						22,311						25,312						32						25,344
Other consumer			44,505						498						45,003						42,288						504						42,792
Total loans			$	1,095,530					$	4,542					$	1,100,072					$	1,055,812					$	5,799					$	1,061,611

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

Summary of Holiday's Loan Portfolio

Holiday’s loan portfolio, included in other consumer loans above, is summarized as follows at September 30, 2021 and December 31, 2020: 

			September 30, 2021						December 31, 2020
Gross other consumer			$	27,588					$	27,998
Less: other consumer unearned discounts			(5,276)						(5,181)
Total automobile and other consumer loans, net of unearned discounts			$	22,312					$	22,817

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