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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES | LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES Total net loans receivable at June 30, 2022 and December 31, 2021 are summarized as follows:
| June 30, 2022 |  | Percentage of Total |  | December 31, 2021 |  | Percentage of Total
Farmland | $ | 31,649 |  |  | 0.8 | % |  | $ | 23,768 |  |  | 0.7 | %
Owner-occupied, nonfarm nonresidential properties | 463,922 |  |  | 11.9 | % |  | 434,672 |  |  | 12.0 | %
Agricultural production and other loans to farmers | 1,097 |  |  | 0.0 | % |  | 1,379 |  |  | 0.0 | %
Commercial and Industrial 1 | 759,417 |  |  | 19.4 | % |  | 708,989 |  |  | 19.5 | %
Obligations (other than securities and leases) of states and political subdivisions | 143,488 |  |  | 3.7 | % |  | 140,887 |  |  | 3.9 | %
Other loans | 14,524 |  |  | 0.4 | % |  | 13,979 |  |  | 0.4 | %
Other construction loans and all land development and other land loans | 341,399 |  |  | 8.7 | % |  | 298,869 |  |  | 8.2 | %
Multifamily (5 or more) residential properties | 212,561 |  |  | 5.5 | % |  | 216,143 |  |  | 5.9 | %
Non-owner occupied, nonfarm nonresidential properties | 734,580 |  |  | 18.8 | % |  | 663,062 |  |  | 18.2 | %
1-4 Family Construction | 40,990 |  |  | 1.0 | % |  | 37,822 |  |  | 1.0 | %
Home equity lines of credit | 115,836 |  |  | 3.0 | % |  | 104,517 |  |  | 2.9 | %
Residential Mortgages secured by first liens | 875,974 |  |  | 22.4 | % |  | 826,729 |  |  | 22.7 | %
Residential Mortgages secured by junior liens | 62,212 |  |  | 1.6 | % |  | 56,689 |  |  | 1.6 | %
Other revolving credit plans | 28,768 |  |  | 0.7 | % |  | 26,536 |  |  | 0.7 | %
Automobile | 20,166 |  |  | 0.5 | % |  | 20,862 |  |  | 0.6 | %
Other consumer | 51,765 |  |  | 1.3 | % |  | 49,676 |  |  | 1.4 | %
Credit cards | 11,049 |  |  | 0.3 | % |  | 9,935 |  |  | 0.3 | %
Overdrafts | 356 |  |  | 0.0 | % |  | 278 |  |  | 0.0 | %
Total loans receivable | $ | 3,909,753 |  |  | 100.0 | % |  | $ | 3,634,792 |  |  | 100.0 | %
Less: Allowance for credit losses | (40,543) |  |  |  |  | (37,588) |  |  |
Loans receivable, net | $ | 3,869,210 |  |  |  |  | $ | 3,597,204 |  |  |
Net deferred loan origination fees (costs) included in the above table | $ | 4,513 |  |  |  |  | $ | 5,667 |  |  |
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. |  |
The Corporation’s outstanding loans receivable and related unfunded commitments are primarily concentrated within central and northwest Pennsylvania, central and northeast Ohio, western New York and Southwestern Virginia. 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 approved annually by the Corporation’s Board of Directors. During the second quarter of 2020, the Corporation began originating loans to qualified small businesses under the Paycheck Protection Program ("PPP") administered by the Small Business Administration (“SBA”) under the provisions of the Coronavirus Aid, Relief, and Economic Security Act. PPP loans, both those disbursed in 2020 and those disbursed in 2021, are included in the commercial and industrial classification and, as the PPP loans are fully guaranteed by the SBA, no allowance for credit losses was required recorded against the PPP loans, net of deferred PPP processing fees, outstanding of $2.3 million and $45.2 million as of June 30, 2022 and December 31, 2021, respectively. Syndicated loans, net of deferred fees and costs, are included in the commercial and industrial classification and totaled $153.2 million and $125.8 million as of June 30, 2022 and December 31, 2021, respectively. Transactions in the allowance for credit losses for the three months ended June 30, 2022 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Losses on Loans Receivable(1) |  | Ending Allowance |
Farmland | $ | 186 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5 |  |  | $ | 191 |  |
Owner-occupied, nonfarm nonresidential properties | 3,595 |  |  | 0 |  |  | 2 |  |  | 117 |  |  | 3,714 |  |
Agricultural production and other loans to farmers | 10 |  |  | 0 |  |  | 0 |  |  | (3) |  |  | 7 |  |
Commercial and Industrial | 9,090 |  |  | (14) |  |  | 13 |  |  | 466 |  |  | 9,555 |  |
Obligations (other than securities and leases) of states and political subdivisions | 1,828 |  |  | 0 |  |  | 0 |  |  | (163) |  |  | 1,665 |  |
Other loans | 143 |  |  | 0 |  |  | 0 |  |  | 24 |  |  | 167 |  |
Other construction loans and all land development and other land loans | 2,050 |  |  | 0 |  |  | 0 |  |  | 278 |  |  | 2,328 |  |
Multifamily (5 or more) residential properties | 2,236 |  |  | 0 |  |  | 0 |  |  | 41 |  |  | 2,277 |  |
Non-owner occupied, nonfarm nonresidential properties | 6,411 |  |  | 0 |  |  | 0 |  |  | 337 |  |  | 6,748 |  |
1-4 Family Construction | 210 |  |  | 0 |  |  | 0 |  |  | 26 |  |  | 236 |  |
Home equity lines of credit | 1,181 |  |  | 0 |  |  | 2 |  |  | 170 |  |  | 1,353 |  |
Residential Mortgages secured by first liens | 6,905 |  |  | 0 |  |  | 0 |  |  | 759 |  |  | 7,664 |  |
Residential Mortgages secured by junior liens | 552 |  |  | 0 |  |  | 0 |  |  | 76 |  |  | 628 |  |
Other revolving credit plans | 547 |  |  | (19) |  |  | 28 |  |  | 42 |  |  | 598 |  |
Automobile | 254 |  |  | (6) |  |  | 0 |  |  | (6) |  |  | 242 |  |
Other consumer | 2,569 |  |  | (369) |  |  | 19 |  |  | 485 |  |  | 2,704 |  |
Credit cards | 103 |  |  | (45) |  |  | 4 |  |  | 48 |  |  | 110 |  |
Overdrafts | 247 |  |  | (127) |  |  | 33 |  |  | 203 |  |  | 356 |  |
Total | $ | 38,117 |  |  | $ | (580) |  |  | $ | 101 |  |  | $ | 2,905 |  |  | $ | 40,543 |  |
(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation. Transactions in the allowance for credit losses for the six months ended June 30, 2022 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Losses on Loans Receivable(1) |  | Ending Allowance |
Farmland | $ | 151 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 40 |  |  | $ | 191 |  |
Owner-occupied, nonfarm nonresidential properties | 3,339 |  |  | (21) |  |  | 9 |  |  | 387 |  |  | 3,714 |  |
Agricultural production and other loans to farmers | 9 |  |  | 0 |  |  | 0 |  |  | (2) |  |  | 7 |  |
Commercial and Industrial | 8,837 |  |  | (85) |  |  | 91 |  |  | 712 |  |  | 9,555 |  |
Obligations (other than securities and leases) of states and political subdivisions | 1,649 |  |  | 0 |  |  | 0 |  |  | 16 |  |  | 1,665 |  |
Other loans | 149 |  |  | 0 |  |  | 0 |  |  | 18 |  |  | 167 |  |
Other construction loans and all land development and other land loans | 2,198 |  |  | 0 |  |  | 0 |  |  | 130 |  |  | 2,328 |  |
Multifamily (5 or more) residential properties | 2,289 |  |  | 0 |  |  | 0 |  |  | (12) |  |  | 2,277 |  |
Non-owner occupied, nonfarm nonresidential properties | 6,481 |  |  | 0 |  |  | 0 |  |  | 267 |  |  | 6,748 |  |
1-4 Family Construction | 158 |  |  | 0 |  |  | 0 |  |  | 78 |  |  | 236 |  |
Home equity lines of credit | 1,169 |  |  | 0 |  |  | 10 |  |  | 174 |  |  | 1,353 |  |
Residential Mortgages secured by first liens | 6,943 |  |  | (47) |  |  | 12 |  |  | 756 |  |  | 7,664 |  |
Residential Mortgages secured by junior liens | 546 |  |  | 0 |  |  | 0 |  |  | 82 |  |  | 628 |  |
Other revolving credit plans | 528 |  |  | (45) |  |  | 34 |  |  | 81 |  |  | 598 |  |
Automobile | 263 |  |  | (13) |  |  | 0 |  |  | (8) |  |  | 242 |  |
Other consumer | 2,546 |  |  | (770) |  |  | 41 |  |  | 887 |  |  | 2,704 |  |
Credit cards | 92 |  |  | (59) |  |  | 8 |  |  | 69 |  |  | 110 |  |
Overdrafts | 241 |  |  | (246) |  |  | 74 |  |  | 287 |  |  | 356 |  |
Total | $ | 37,588 |  |  | $ | (1,286) |  |  | $ | 279 |  |  | $ | 3,962 |  |  | $ | 40,543 |  |
(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation. Transactions in the allowance for credit losses for the three months ended June 30, 2021 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Losses on Loans Receivable(1) |  | Ending Allowance |
Farmland | $ | 224 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (100) |  |  | $ | 124 |  |
Owner-occupied, nonfarm nonresidential properties | 2,935 |  |  | 0 |  |  | 3 |  |  | (58) |  |  | 2,880 |  |
Agricultural production and other loans to farmers | 28 |  |  | 0 |  |  | 0 |  |  | (16) |  |  | 12 |  |
Commercial and Industrial | 6,479 |  |  | (14) |  |  | 15 |  |  | 832 |  |  | 7,312 |  |
Obligations (other than securities and leases) of states and political subdivisions | 1,715 |  |  | (250) |  |  | 0 |  |  | 860 |  |  | 2,325 |  |
Other loans | 73 |  |  | 0 |  |  | 0 |  |  | 44 |  |  | 117 |  |
Other construction loans and all land development and other land loans | 2,006 |  |  | 0 |  |  | 0 |  |  | 358 |  |  | 2,364 |  |
Multifamily (5 or more) residential properties | 2,754 |  |  | 0 |  |  | 0 |  |  | (440) |  |  | 2,314 |  |
Non-owner occupied, nonfarm nonresidential properties | 11,326 |  |  | 0 |  |  | 0 |  |  | (1,164) |  |  | 10,162 |  |
1-4 Family Construction | 67 |  |  | 0 |  |  | 0 |  |  | 43 |  |  | 110 |  |
Home equity lines of credit | 843 |  |  | 0 |  |  | 2 |  |  | 184 |  |  | 1,029 |  |
Residential Mortgages secured by first liens | 3,550 |  |  | (42) |  |  | 1 |  |  | 889 |  |  | 4,398 |  |
Residential Mortgages secured by junior liens | 224 |  |  | 0 |  |  | 0 |  |  | 184 |  |  | 408 |  |
Other revolving credit plans | 527 |  |  | (17) |  |  | 3 |  |  | (54) |  |  | 459 |  |
Automobile | 182 |  |  | 0 |  |  | 3 |  |  | 56 |  |  | 241 |  |
Other consumer | 2,374 |  |  | (246) |  |  | 47 |  |  | 227 |  |  | 2,402 |  |
Credit cards | 65 |  |  | (39) |  |  | 3 |  |  | 39 |  |  | 68 |  |
Overdrafts | 183 |  |  | (107) |  |  | 24 |  |  | 83 |  |  | 183 |  |
Total | $ | 35,555 |  |  | $ | (715) |  |  | $ | 101 |  |  | $ | 1,967 |  |  | $ | 36,908 |  |
(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation. Transactions in the allowance for credit losses for the six months ended June 30, 2021 were as follows:
| Beginning Allowance |  | (Charge-offs) |  | Recoveries |  | Provision (Benefit) for Credit Losses on Loans Receivable(1) |  | Ending Allowance |
Farmland | $ | 221 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | (97) |  |  | $ | 124 |  |
Owner-occupied, nonfarm nonresidential properties | 3,700 |  |  | (531) |  |  | 5 |  |  | (294) |  |  | 2,880 |  |
Agricultural production and other loans to farmers | 24 |  |  | 0 |  |  | 0 |  |  | (12) |  |  | 12 |  |
Commercial and Industrial | 6,233 |  |  | (70) |  |  | 20 |  |  | 1,129 |  |  | 7,312 |  |
Obligations (other than securities and leases) of states and political subdivisions | 998 |  |  | (250) |  |  | 0 |  |  | 1,577 |  |  | 2,325 |  |
Other loans | 68 |  |  | 0 |  |  | 0 |  |  | 49 |  |  | 117 |  |
Other construction loans and all land development and other land loans | 1,956 |  |  | 0 |  |  | 0 |  |  | 408 |  |  | 2,364 |  |
Multifamily (5 or more) residential properties | 2,724 |  |  | 0 |  |  | 0 |  |  | (410) |  |  | 2,314 |  |
Non-owner occupied, nonfarm nonresidential properties | 8,658 |  |  | 0 |  |  | 0 |  |  | 1,504 |  |  | 10,162 |  |
1-4 Family Construction | 82 |  |  | 0 |  |  | 0 |  |  | 28 |  |  | 110 |  |
Home equity lines of credit | 985 |  |  | 0 |  |  | 2 |  |  | 42 |  |  | 1,029 |  |
Residential Mortgages secured by first liens | 4,539 |  |  | (70) |  |  | 32 |  |  | (103) |  |  | 4,398 |  |
Residential Mortgages secured by junior liens | 241 |  |  | 0 |  |  | 0 |  |  | 167 |  |  | 408 |  |
Other revolving credit plans | 507 |  |  | (23) |  |  | 5 |  |  | (30) |  |  | 459 |  |
Automobile | 132 |  |  | (5) |  |  | 3 |  |  | 111 |  |  | 241 |  |
Other consumer | 2,962 |  |  | (561) |  |  | 95 |  |  | (94) |  |  | 2,402 |  |
Credit cards | 66 |  |  | (72) |  |  | 11 |  |  | 63 |  |  | 68 |  |
Overdrafts | 244 |  |  | (191) |  |  | 79 |  |  | 51 |  |  | 183 |  |
Total | $ | 34,340 |  |  | $ | (1,773) |  |  | $ | 252 |  |  | $ | 4,089 |  |  | $ | 36,908 |  |
(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation. 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 and six months ended June 30, 2022, the allowance for credit losses increased due to the growth in the Corporation's loan portfolio, including growth in new market areas. This was partially offset by improvements in the Corporation's historical loss rates, as well as the impact of net charge-offs. There is still a significant amount of uncertainty related to the domestic and global economy, continued supply chain challenges, persistent inflation and the COVID-19 pandemic. Management will continue to proactively evaluate its estimate of expected credit losses as new information becomes available. Provision for credit losses was $2.9 million and $4.5 million for the three and six months ended June 30, 2022, respectively, compared to $2.0 million and $4.1 million for the three and six months ended June 30, 2021. The increase in provision for the three months ended June 30, 2022 was primarily due to the growth in commercial loans. Included in the provision for credit losses for the six months ended June 30, 2022 was $586 thousand related to the allowance for unfunded commitments compared to no accrual towards the allowance for unfunded commitments for the six months ended June 30, 2021. The following tables presents the amortized cost basis of loans receivable on nonaccrual status and loans receivable past due over 89 days still accruing as of June 30, 2022 and December 31, 2021, respectively:
| June 30, 2022
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Receivable Past Due over 89 Days Still Accruing
Farmland | $ | 938 |  |  | $ | 938 |  |  | $ | 997 |
Owner-occupied, nonfarm nonresidential properties | 1,711 |  |  | 1,632 |  |  | 0 |
Commercial and Industrial | 5,919 |  |  | 2,070 |  |  | 55 |
Other construction loans and all land development and other land loans | 71 |  |  | 71 |  |  | 0 |
Multifamily (5 or more) residential properties | 1,108 |  |  | 0 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 3,685 |  |  | 2,058 |  |  | 0 |
Home equity lines of credit | 586 |  |  | 586 |  |  | 0 |
Residential Mortgages secured by first liens | 4,021 |  |  | 3,558 |  |  | 5 |
Residential Mortgages secured by junior liens | 200 |  |  | 200 |  |  | 0 |
Other revolving credit plans | 49 |  |  | 49 |  |  | 0 |
Automobile | 30 |  |  | 30 |  |  | 0 |
Other consumer | 636 |  |  | 636 |  |  | 0 |
Credit cards | 0 |  |  | 0 |  |  | 3 |
Total | $ | 18,954 |  |  | $ | 11,828 |  |  | $ | 1,060 |
| December 31, 2021
| Nonaccrual |  | Nonaccrual With No Allowance for Credit Loss |  | Loans Receivable Past Due over 89 Days Still Accruing
Farmland | $ | 965 |  |  | $ | 965 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 850 |  |  | 762 |  |  | 0 |
Commercial and Industrial | 7,060 |  |  | 1,653 |  |  | 8 |
Other construction loans and all land development and other land loans | 516 |  |  | 77 |  |  | 0 |
Multifamily (5 or more) residential properties | 1,270 |  |  | 5 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 3,771 |  |  | 2,143 |  |  | 0 |
Home equity lines of credit | 824 |  |  | 824 |  |  | 0 |
Residential Mortgages secured by first liens | 3,410 |  |  | 3,410 |  |  | 137 |
Residential Mortgages secured by junior liens | 147 |  |  | 147 |  |  | 0 |
Other revolving credit plans | 13 |  |  | 13 |  |  | 0 |
Automobile | 36 |  |  | 36 |  |  | 0 |
Other consumer | 558 |  |  | 558 |  |  | 0 |
Credit cards | 0 |  |  | 0 |  |  | 23 |
Total | $ | 19,420 |  |  | $ | 10,593 |  |  | $ | 168 |
All payments received while on nonaccrual status are applied against the principal balance of the loan. The Corporation does not recognize interest income while a loan is on nonaccrual status. The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of June 30, 2022:
| Real Estate Collateral |  | Non-Real Estate Collateral
Farmland | $ | 895 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 1,163 |  |  | 9 |
Commercial and Industrial | 115 |  |  | 2,090 |
Multifamily (5 or more) residential properties | 1,108 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 3,262 |  |  | 0 |
Residential Mortgages secured by first liens | 888 |  |  | 0 |
Total | $ | 7,431 |  |  | $ | 2,099 |
The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of December 31, 2021:
| Real Estate Collateral |  | Non-Real Estate Collateral
Farmland | $ | 920 |  |  | $ | 0 |
Owner-occupied, nonfarm nonresidential properties | 194 |  |  | 9 |
Commercial and Industrial | 1,488 |  |  | 2,351 |
Other construction loans and all land development and other land loans | 438 |  |  | 0 |
Multifamily (5 or more) residential properties | 1,265 |  |  | 0 |
Non-owner occupied, nonfarm nonresidential properties | 3,378 |  |  | 0 |
Residential Mortgages secured by first liens | 435 |  |  | 0 |
Total | $ | 8,118 |  |  | $ | 2,360 |
The following table presents the aging of the amortized cost basis in past-due loans receivable as of June 30, 2022 by class of loans:
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater Than 89 Days Past Due |  | Total Past Due |  | Loans Receivable Not Past Due |  | Total
Farmland | $ | 148 |  |  | $ | 0 |  |  | $ | 997 |  |  | $ | 1,145 |  |  | $ | 30,504 |  |  | $ | 31,649 |
Owner-occupied, nonfarm nonresidential properties | 63 |  |  | 490 |  |  | 876 |  |  | 1,429 |  |  | 462,493 |  |  | 463,922 |
Agricultural production and other loans to farmers | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,097 |  |  | 1,097 |
Commercial and Industrial | 133 |  |  | 181 |  |  | 502 |  |  | 816 |  |  | 758,601 |  |  | 759,417 |
Obligations (other than securities and leases) of states and political subdivisions | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 143,488 |  |  | 143,488 |
Other loans | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 14,524 |  |  | 14,524 |
Other construction loans and all land development and other land loans | 0 |  |  | 0 |  |  | 71 |  |  | 71 |  |  | 341,328 |  |  | 341,399 |
Multifamily (5 or more) residential properties | 357 |  |  | 0 |  |  | 90 |  |  | 447 |  |  | 212,114 |  |  | 212,561 |
Non-owner occupied, nonfarm nonresidential properties | 215 |  |  | 0 |  |  | 1,680 |  |  | 1,895 |  |  | 732,685 |  |  | 734,580 |
1-4 Family Construction | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 40,990 |  |  | 40,990 |
Home equity lines of credit | 107 |  |  | 344 |  |  | 49 |  |  | 500 |  |  | 115,336 |  |  | 115,836 |
Residential Mortgages secured by first liens | 1,397 |  |  | 467 |  |  | 1,300 |  |  | 3,164 |  |  | 872,810 |  |  | 875,974 |
Residential Mortgages secured by junior liens | 80 |  |  | 41 |  |  | 53 |  |  | 174 |  |  | 62,038 |  |  | 62,212 |
Other revolving credit plans | 44 |  |  | 9 |  |  | 23 |  |  | 76 |  |  | 28,692 |  |  | 28,768 |
Automobile | 43 |  |  | 4 |  |  | 4 |  |  | 51 |  |  | 20,115 |  |  | 20,166 |
Other consumer | 288 |  |  | 205 |  |  | 294 |  |  | 787 |  |  | 50,978 |  |  | 51,765 |
Credit cards | 75 |  |  | 13 |  |  | 3 |  |  | 91 |  |  | 10,958 |  |  | 11,049 |
Overdrafts | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 356 |  |  | 356 |
Total | $ | 2,950 |  |  | $ | 1,754 |  |  | $ | 5,942 |  |  | $ | 10,646 |  |  | $ | 3,899,107 |  |  | $ | 3,909,753 |
The following table presents the aging of the amortized cost basis in past-due loans receivable as of December 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 Receivable Not Past Due |  | Total
Farmland | $ | 348 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 348 |  |  | $ | 23,420 |  |  | $ | 23,768 |
Owner-occupied, nonfarm nonresidential properties | 278 |  |  | 18 |  |  | 414 |  |  | 710 |  |  | 433,962 |  |  | 434,672 |
Agricultural production and other loans to farmers | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,379 |  |  | 1,379 |
Commercial and Industrial | 377 |  |  | 13 |  |  | 333 |  |  | 723 |  |  | 708,266 |  |  | 708,989 |
Obligations (other than securities and leases) of states and political subdivisions | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 140,887 |  |  | 140,887 |
Other loans | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 13,979 |  |  | 13,979 |
Other construction loans and all land development and other land loans | 0 |  |  | 0 |  |  | 77 |  |  | 77 |  |  | 298,792 |  |  | 298,869 |
Multifamily (5 or more) residential properties | 0 |  |  | 10 |  |  | 209 |  |  | 219 |  |  | 215,924 |  |  | 216,143 |
Non-owner occupied, nonfarm nonresidential properties | 0 |  |  | 0 |  |  | 1,792 |  |  | 1,792 |  |  | 661,270 |  |  | 663,062 |
1-4 Family Construction | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 37,822 |  |  | 37,822 |
Home equity lines of credit | 506 |  |  | 50 |  |  | 172 |  |  | 728 |  |  | 103,789 |  |  | 104,517 |
Residential Mortgages secured by first liens | 1,286 |  |  | 1,145 |  |  | 1,647 |  |  | 4,078 |  |  | 822,651 |  |  | 826,729 |
Residential Mortgages secured by junior liens | 32 |  |  | 24 |  |  | 1 |  |  | 57 |  |  | 56,632 |  |  | 56,689 |
Other revolving credit plans | 56 |  |  | 17 |  |  | 4 |  |  | 77 |  |  | 26,459 |  |  | 26,536 |
Automobile | 45 |  |  | 3 |  |  | 23 |  |  | 71 |  |  | 20,791 |  |  | 20,862 |
Other consumer | 283 |  |  | 158 |  |  | 295 |  |  | 736 |  |  | 48,940 |  |  | 49,676 |
Credit cards | 26 |  |  | 12 |  |  | 23 |  |  | 61 |  |  | 9,874 |  |  | 9,935 |
Overdrafts | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 278 |  |  | 278 |
Total | $ | 3,237 |  |  | $ | 1,450 |  |  | $ | 4,990 |  |  | $ | 9,677 |  |  | $ | 3,625,115 |  |  | $ | 3,634,792 |
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 loan receivables are classified as a TDR. As of June 30, 2022 and December 31, 2021, the terms of certain loans were modified as TDRs. 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 TDRs of $17.8 million and $16.6 million as of June 30, 2022 and December 31, 2021, respectively. The Corporation has allocated $2.6 million and $2.6 million of allowance for those loans as of June 30, 2022 and December 31, 2021, respectively. There were no loans modified as TDRs during the three months ended June 30, 2022. There was one loan modified as a TDR during the six months ended June 30, 2022:
| Six Months Ended June 30, 2022
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Type of Modification
Non-owner occupied, nonfarm nonresidential properties | 1 |  |  | $ | 1,784 |  |  | $ | 1,784 |  |  | Modify Rate and Extend Amortization
Total | 1 |  |  | $ | 1,784 |  |  | $ | 1,784 |  |  |
There was one loan modified as TDRs during the three months ended June 30, 2021.
| Three Months Ended June 30, 2021
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Type of Modification
Commercial and Industrial | 1 |  |  | $ | 578 |  |  | $ | 578 |  |  | Modify Payment
Total | 1 |  |  | $ | 578 |  |  | $ | 578 |  |  |
There were three loans modified as TDRs during the six months ended June 30, 2021.
| Six Months Ended June 30, 2021
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Type of Modification
Commercial and Industrial | 1 |  |  | $ | 578 |  |  | $ | 578 |  |  | Modify Payment
Multifamily (5 or more) residential properties | 1 |  |  | 717 |  |  | 717 |  |  | Modify Payment
Non-owner occupied, nonfarm nonresidential properties | 1 |  |  | 1,604 |  |  | 1,604 |  |  | Modify Payment
Total | 3 |  |  | $ | 2,899 |  |  | $ | 2,899 |  |  |
The TDRs described above increased the allowance for credit losses by an immaterial amount for the three and six months ended June 30, 2022 and 2021, respectively. A loan receivable 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 TDRs for which there was a payment default within a twelve-month cycle following the modification during the three and six months ended June 30, 2022 and 2021, respectively. There were no principal balances forgiven in connection with the loans restructurings. Generally, nonperforming TDRs 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 receivable 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: A loan classified as special mention has 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: A loan classified as substandard is inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. The loan has a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. A substandard loan is characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. Doubtful: A loan classified as doubtful has 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 represent the Corporation's credit risk profile by risk rating. Loans receivable not rated as special mention, substandard, or doubtful are considered to be pass rated loans.
| June 30, 2022
|  |  | Non-Pass Rated |  |  |  |
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-Pass |  | Total
Farmland | $ | 29,261 |  |  | $ | 1,450 |  |  | $ | 938 |  |  | $ | 0 |  |  | $ | 2,388 |  |  | $ | 31,649 |
Owner-occupied, nonfarm nonresidential properties | 449,366 |  |  | 6,406 |  |  | 8,150 |  |  | 0 |  |  | 14,556 |  |  | 463,922 |
Agricultural production and other loans to farmers | 1,097 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,097 |
Commercial and Industrial | 740,370 |  |  | 6,554 |  |  | 11,137 |  |  | 1,356 |  |  | 19,047 |  |  | 759,417 |
Obligations (other than securities and leases) of states and political subdivisions | 143,488 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 143,488 |
Other loans | 14,524 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 14,524 |
Other construction loans and all land development and other land loans | 339,750 |  |  | 1,578 |  |  | 71 |  |  | 0 |  |  | 1,649 |  |  | 341,399 |
Multifamily (5 or more) residential properties | 211,353 |  |  | 100 |  |  | 1,108 |  |  | 0 |  |  | 1,208 |  |  | 212,561 |
Non-owner occupied, nonfarm nonresidential properties | 704,941 |  |  | 6,610 |  |  | 23,029 |  |  | 0 |  |  | 29,639 |  |  | 734,580 |
Total | $ | 2,634,150 |  |  | $ | 22,698 |  |  | $ | 44,433 |  |  | $ | 1,356 |  |  | $ | 68,487 |  |  | $ | 2,702,637 |
| December 31, 2021
|  |  | Non-Pass Rated |  |  |  |
| Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total Non-Pass |  | Total
Farmland | $ | 21,286 |  |  | $ | 1,514 |  |  | $ | 968 |  |  | $ | 0 |  |  | $ | 2,482 |  |  | $ | 23,768 |
Owner-occupied, nonfarm nonresidential properties | 419,368 |  |  | 6,723 |  |  | 8,581 |  |  | 0 |  |  | 15,304 |  |  | 434,672 |
Agricultural production and other loans to farmers | 1,379 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,379 |
Commercial and Industrial | 687,010 |  |  | 7,946 |  |  | 12,654 |  |  | 1,379 |  |  | 21,979 |  |  | 708,989 |
Obligations (other than securities and leases) of states and political subdivisions | 140,887 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 140,887 |
Other loans | 13,979 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 13,979 |
Other construction loans and all land development and other land loans | 294,103 |  |  | 4,221 |  |  | 545 |  |  | 0 |  |  | 4,766 |  |  | 298,869 |
Multifamily (5 or more) residential properties | 214,772 |  |  | 100 |  |  | 1,271 |  |  | 0 |  |  | 1,371 |  |  | 216,143 |
Non-owner occupied, nonfarm nonresidential properties | 631,534 |  |  | 9,628 |  |  | 21,900 |  |  | 0 |  |  | 31,528 |  |  | 663,062 |
Total | $ | 2,424,318 |  |  | $ | 30,132 |  |  | $ | 45,919 |  |  | $ | 1,379 |  |  | $ | 77,430 |  |  | $ | 2,501,748 |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of June 30, 2022. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
Farmland |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 8,911 |  |  | $ | 7,782 |  |  | $ | 1,610 |  |  | $ | 3,149 |  |  | $ | 3,497 |  |  | $ | 3,892 |  |  | $ | 420 |  |  | $ | 0 |  |  | $ | 29,261 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,450 |  |  | 0 |  |  | 0 |  |  | 1,450 |
Substandard | 0 |  |  | 388 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 550 |  |  | 0 |  |  | 0 |  |  | 938 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 8,911 |  |  | $ | 8,170 |  |  | $ | 1,610 |  |  | $ | 3,149 |  |  | $ | 3,497 |  |  | $ | 5,892 |  |  | $ | 420 |  |  | $ | 0 |  |  | $ | 31,649 |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 67,952 |  |  | $ | 116,666 |  |  | $ | 74,850 |  |  | $ | 72,416 |  |  | $ | 26,633 |  |  | $ | 71,231 |  |  | $ | 19,618 |  |  | $ | 0 |  |  | $ | 449,366 |
Special mention | 0 |  |  | 237 |  |  | 0 |  |  | 888 |  |  | 4,193 |  |  | 1,078 |  |  | 10 |  |  | 0 |  |  | 6,406 |
Substandard | 0 |  |  | 156 |  |  | 386 |  |  | 2,044 |  |  | 821 |  |  | 4,743 |  |  | 0 |  |  | 0 |  |  | 8,150 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 67,952 |  |  | $ | 117,059 |  |  | $ | 75,236 |  |  | $ | 75,348 |  |  | $ | 31,647 |  |  | $ | 77,052 |  |  | $ | 19,628 |  |  | $ | 0 |  |  | $ | 463,922 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 129 |  |  | $ | 151 |  |  | $ | 91 |  |  | $ | 70 |  |  | $ | 192 |  |  | $ | 0 |  |  | $ | 464 |  |  | $ | 0 |  |  | $ | 1,097 |
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 | $ | 129 |  |  | $ | 151 |  |  | $ | 91 |  |  | $ | 70 |  |  | $ | 192 |  |  | $ | 0 |  |  | $ | 464 |  |  | $ | 0 |  |  | $ | 1,097 |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 117,219 |  |  | $ | 236,523 |  |  | $ | 75,375 |  |  | $ | 21,326 |  |  | $ | 11,010 |  |  | $ | 21,573 |  |  | $ | 257,344 |  |  | $ | 0 |  |  | $ | 740,370 |
Special mention | 0 |  |  | 0 |  |  | 159 |  |  | 431 |  |  | 340 |  |  | 183 |  |  | 5,441 |  |  | 0 |  |  | 6,554 |
Substandard | 0 |  |  | 2,748 |  |  | 984 |  |  | 436 |  |  | 358 |  |  | 1,046 |  |  | 5,565 |  |  | 0 |  |  | 11,137 |
Doubtful(1) | 0 |  |  | 1,356 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,356 |
Total | $ | 117,219 |  |  | $ | 240,627 |  |  | $ | 76,518 |  |  | $ | 22,193 |  |  | $ | 11,708 |  |  | $ | 22,802 |  |  | $ | 268,350 |  |  | $ | 0 |  |  | $ | 759,417 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 11,108 |  |  | $ | 37,217 |  |  | $ | 16,428 |  |  | $ | 4,748 |  |  | $ | 13,747 |  |  | $ | 55,509 |  |  | $ | 4,731 |  |  | $ | 0 |  |  | $ | 143,488 |
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 | $ | 11,108 |  |  | $ | 37,217 |  |  | $ | 16,428 |  |  | $ | 4,748 |  |  | $ | 13,747 |  |  | $ | 55,509 |  |  | $ | 4,731 |  |  | $ | 0 |  |  | $ | 143,488 |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 2,160 |  |  | $ | 5,484 |  |  | $ | 2,505 |  |  | $ | 400 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,975 |  |  | $ | 0 |  |  | $ | 14,524 |
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 | $ | 2,160 |  |  | $ | 5,484 |  |  | $ | 2,505 |  |  | $ | 400 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 3,975 |  |  | $ | 0 |  |  | $ | 14,524 |
(1) Consists of one loan relationship that was originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during the current period.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 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 | $ | 107,639 |  |  | $ | 96,680 |  |  | $ | 108,607 |  |  | $ | 7,398 |  |  | $ | 9,137 |  |  | $ | 2,063 |  |  | $ | 8,226 |  |  | $ | 0 |  |  | $ | 339,750 |
Special mention | 0 |  |  | 1,511 |  |  | 0 |  |  | 67 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,578 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 71 |  |  | 0 |  |  | 71 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 107,639 |  |  | $ | 98,191 |  |  | $ | 108,607 |  |  | $ | 7,465 |  |  | $ | 9,137 |  |  | $ | 2,063 |  |  | $ | 8,297 |  |  | $ | 0 |  |  | $ | 341,399 |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 38,463 |  |  | $ | 53,374 |  |  | $ | 54,210 |  |  | $ | 29,892 |  |  | $ | 6,623 |  |  | $ | 26,335 |  |  | $ | 2,456 |  |  | $ | 0 |  |  | $ | 211,353 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 100 |  |  | 0 |  |  | 100 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 661 |  |  | 357 |  |  | 90 |  |  | 0 |  |  | 0 |  |  | 1,108 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 38,463 |  |  | $ | 53,374 |  |  | $ | 54,210 |  |  | $ | 30,553 |  |  | $ | 6,980 |  |  | $ | 26,425 |  |  | $ | 2,556 |  |  | $ | 0 |  |  | $ | 212,561 |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 207,920 |  |  | $ | 164,540 |  |  | $ | 62,917 |  |  | $ | 81,646 |  |  | $ | 48,194 |  |  | $ | 131,397 |  |  | $ | 8,327 |  |  | $ | 0 |  |  | $ | 704,941 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 417 |  |  | 518 |  |  | 5,224 |  |  | 451 |  |  | 0 |  |  | 6,610 |
Substandard | 0 |  |  | 810 |  |  | 0 |  |  | 2,277 |  |  | 1,651 |  |  | 16,196 |  |  | 2,095 |  |  | 0 |  |  | 23,029 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 207,920 |  |  | $ | 165,350 |  |  | $ | 62,917 |  |  | $ | 84,340 |  |  | $ | 50,363 |  |  | $ | 152,817 |  |  | $ | 10,873 |  |  | $ | 0 |  |  | $ | 734,580 |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 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 | $ | 8,203 |  |  | $ | 1,690 |  |  | $ | 3,276 |  |  | $ | 3,547 |  |  | $ | 564 |  |  | $ | 3,545 |  |  | $ | 461 |  |  | $ | 0 |  |  | $ | 21,286 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 394 |  |  | 1,120 |  |  | 0 |  |  | 0 |  |  | 1,514 |
Substandard | 388 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 48 |  |  | 532 |  |  | 0 |  |  | 0 |  |  | 968 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 8,591 |  |  | $ | 1,690 |  |  | $ | 3,276 |  |  | $ | 3,547 |  |  | $ | 1,006 |  |  | $ | 5,197 |  |  | $ | 461 |  |  | $ | 0 |  |  | $ | 23,768 |
Owner-occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 135,095 |  |  | $ | 78,068 |  |  | $ | 78,621 |  |  | $ | 29,100 |  |  | $ | 40,677 |  |  | $ | 50,079 |  |  | $ | 7,728 |  |  | $ | 0 |  |  | $ | 419,368 |
Special mention | 243 |  |  | 0 |  |  | 903 |  |  | 4,287 |  |  | 135 |  |  | 1,145 |  |  | 10 |  |  | 0 |  |  | 6,723 |
Substandard | 687 |  |  | 416 |  |  | 2,190 |  |  | 868 |  |  | 250 |  |  | 4,152 |  |  | 18 |  |  | 0 |  |  | 8,581 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 136,025 |  |  | $ | 78,484 |  |  | $ | 81,714 |  |  | $ | 34,255 |  |  | $ | 41,062 |  |  | $ | 55,376 |  |  | $ | 7,756 |  |  | $ | 0 |  |  | $ | 434,672 |
Agricultural production and other loans to farmers |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 211 |  |  | $ | 103 |  |  | $ | 76 |  |  | $ | 198 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 791 |  |  | $ | 0 |  |  | $ | 1,379 |
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 | $ | 211 |  |  | $ | 103 |  |  | $ | 76 |  |  | $ | 198 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 791 |  |  | $ | 0 |  |  | $ | 1,379 |
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 313,983 |  |  | $ | 84,815 |  |  | $ | 31,375 |  |  | $ | 16,577 |  |  | $ | 12,389 |  |  | $ | 6,777 |  |  | $ | 221,094 |  |  | $ | 0 |  |  | $ | 687,010 |
Special mention | 0 |  |  | 363 |  |  | 793 |  |  | 381 |  |  | 82 |  |  | 844 |  |  | 5,483 |  |  | 0 |  |  | 7,946 |
Substandard | 1,991 |  |  | 800 |  |  | 1,862 |  |  | 452 |  |  | 29 |  |  | 2,016 |  |  | 5,504 |  |  | 0 |  |  | 12,654 |
Doubtful(1) | 1,379 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,379 |
Total | $ | 317,353 |  |  | $ | 85,978 |  |  | $ | 34,030 |  |  | $ | 17,410 |  |  | $ | 12,500 |  |  | $ | 9,637 |  |  | $ | 232,081 |  |  | $ | 0 |  |  | $ | 708,989 |
Obligations (other than securities and leases) of states and political subdivisions |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 36,853 |  |  | $ | 16,688 |  |  | $ | 8,774 |  |  | $ | 16,957 |  |  | $ | 20,071 |  |  | $ | 36,764 |  |  | $ | 4,780 |  |  | $ | 0 |  |  | $ | 140,887 |
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 | $ | 36,853 |  |  | $ | 16,688 |  |  | $ | 8,774 |  |  | $ | 16,957 |  |  | $ | 20,071 |  |  | $ | 36,764 |  |  | $ | 4,780 |  |  | $ | 0 |  |  | $ | 140,887 |
Other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 5,851 |  |  | $ | 5,305 |  |  | $ | 552 |  |  | $ | 3 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,268 |  |  | $ | 0 |  |  | $ | 13,979 |
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 | $ | 5,851 |  |  | $ | 5,305 |  |  | $ | 552 |  |  | $ | 3 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,268 |  |  | $ | 0 |  |  | $ | 13,979 |
(1) Consists of one loan relationship that was originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during the current period.
| 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 | $ | 98,406 |  |  | $ | 168,372 |  |  | $ | 8,752 |  |  | $ | 11,141 |  |  | $ | 853 |  |  | $ | 898 |  |  | $ | 5,681 |  |  | $ | 0 |  |  | $ | 294,103 |
Special mention | 1,500 |  |  | 0 |  |  | 650 |  |  | 0 |  |  | 2,071 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 4,221 |
Substandard | 0 |  |  | 0 |  |  | 0 |  |  | 29 |  |  | 439 |  |  | 0 |  |  | 77 |  |  | 0 |  |  | 545 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 99,906 |  |  | $ | 168,372 |  |  | $ | 9,402 |  |  | $ | 11,170 |  |  | $ | 3,363 |  |  | $ | 898 |  |  | $ | 5,758 |  |  | $ | 0 |  |  | $ | 298,869 |
Multifamily (5 or more) residential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 74,687 |  |  | $ | 55,663 |  |  | $ | 33,436 |  |  | $ | 7,937 |  |  | $ | 27,729 |  |  | $ | 12,882 |  |  | $ | 2,438 |  |  | $ | 0 |  |  | $ | 214,772 |
Special mention | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 100 |  |  | 0 |  |  | 0 |  |  | 100 |
Substandard | 0 |  |  | 6 |  |  | 682 |  |  | 379 |  |  | 204 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 1,271 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 74,687 |  |  | $ | 55,669 |  |  | $ | 34,118 |  |  | $ | 8,316 |  |  | $ | 27,933 |  |  | $ | 12,982 |  |  | $ | 2,438 |  |  | $ | 0 |  |  | $ | 216,143 |
Non-owner occupied, nonfarm nonresidential properties |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 194,800 |  |  | $ | 125,039 |  |  | $ | 84,943 |  |  | $ | 52,233 |  |  | $ | 42,714 |  |  | $ | 123,021 |  |  | $ | 8,784 |  |  | $ | 0 |  |  | $ | 631,534 |
Special mention | 0 |  |  | 0 |  |  | 428 |  |  | 1,004 |  |  | 189 |  |  | 5,556 |  |  | 2,451 |  |  | 0 |  |  | 9,628 |
Substandard | 826 |  |  | 0 |  |  | 2,305 |  |  | 1,662 |  |  | 4,638 |  |  | 12,134 |  |  | 335 |  |  | 0 |  |  | 21,900 |
Doubtful | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 195,626 |  |  | $ | 125,039 |  |  | $ | 87,676 |  |  | $ | 54,899 |  |  | $ | 47,541 |  |  | $ | 140,711 |  |  | $ | 11,570 |  |  | $ | 0 |  |  | $ | 663,062 |
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 receivable on nonaccrual status and loans receivable past due over 89 days and still accruing interest.
| June 30, 2022 |  | December 31, 2021
| Performing |  | Nonperforming |  | Total |  | Performing |  | Nonperforming |  | Total
1-4 Family Construction | $ | 40,990 |  |  | $ | 0 |  |  | $ | 40,990 |  |  | $ | 37,822 |  |  | $ | 0 |  |  | $ | 37,822 |
Home equity lines of credit | 115,250 |  |  | 586 |  |  | 115,836 |  |  | 103,693 |  |  | 824 |  |  | 104,517 |
Residential Mortgages secured by first liens | 871,948 |  |  | 4,026 |  |  | 875,974 |  |  | 823,182 |  |  | 3,547 |  |  | 826,729 |
Residential Mortgages secured by junior liens | 62,012 |  |  | 200 |  |  | 62,212 |  |  | 56,542 |  |  | 147 |  |  | 56,689 |
Other revolving credit plans | 28,719 |  |  | 49 |  |  | 28,768 |  |  | 26,523 |  |  | 13 |  |  | 26,536 |
Automobile | 20,136 |  |  | 30 |  |  | 20,166 |  |  | 20,826 |  |  | 36 |  |  | 20,862 |
Other consumer | 51,129 |  |  | 636 |  |  | 51,765 |  |  | 49,118 |  |  | 558 |  |  | 49,676 |
Total | $ | 1,190,184 |  |  | $ | 5,527 |  |  | $ | 1,195,711 |  |  | $ | 1,117,706 |  |  | $ | 5,125 |  |  | $ | 1,122,831 |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of June 30, 2022. The current period originations may include modifications, extensions and renewals.
| Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |
| 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Revolving Loans Converted to Term |  | Total
1-4 Family Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 10,338 |  |  | $ | 22,977 |  |  | $ | 6,740 |  |  | $ | 740 |  |  | $ | 64 |  |  | $ | 0 |  |  | $ | 131 |  |  | $ | 0 |  |  | $ | 40,990 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 10,338 |  |  | $ | 22,977 |  |  | $ | 6,740 |  |  | $ | 740 |  |  | $ | 64 |  |  | $ | 0 |  |  | $ | 131 |  |  | $ | 0 |  |  | $ | 40,990 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 19,051 |  |  | $ | 16,290 |  |  | $ | 12,999 |  |  | $ | 8,529 |  |  | $ | 8,637 |  |  | $ | 40,985 |  |  | $ | 8,759 |  |  | $ | 0 |  |  | $ | 115,250 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 10 |  |  | 8 |  |  | 568 |  |  | 0 |  |  | 0 |  |  | 586 |
Total | $ | 19,051 |  |  | $ | 16,290 |  |  | $ | 12,999 |  |  | $ | 8,539 |  |  | $ | 8,645 |  |  | $ | 41,553 |  |  | $ | 8,759 |  |  | $ | 0 |  |  | $ | 115,836 |
Residential mortgages secured by first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 121,438 |  |  | $ | 226,101 |  |  | $ | 165,399 |  |  | $ | 99,774 |  |  | $ | 54,696 |  |  | $ | 201,139 |  |  | $ | 3,401 |  |  | $ | 0 |  |  | $ | 871,948 |
Nonperforming | 0 |  |  | 619 |  |  | 281 |  |  | 405 |  |  | 128 |  |  | 2,404 |  |  | 189 |  |  | 0 |  |  | 4,026 |
Total | $ | 121,438 |  |  | $ | 226,720 |  |  | $ | 165,680 |  |  | $ | 100,179 |  |  | $ | 54,824 |  |  | $ | 203,543 |  |  | $ | 3,590 |  |  | $ | 0 |  |  | $ | 875,974 |
Residential mortgages secured by junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 13,080 |  |  | $ | 18,915 |  |  | $ | 9,713 |  |  | $ | 5,919 |  |  | $ | 3,477 |  |  | $ | 10,243 |  |  | $ | 665 |  |  | $ | 0 |  |  | $ | 62,012 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 3 |  |  | 0 |  |  | 152 |  |  | 45 |  |  | 0 |  |  | 200 |
Total | $ | 13,080 |  |  | $ | 18,915 |  |  | $ | 9,713 |  |  | $ | 5,922 |  |  | $ | 3,477 |  |  | $ | 10,395 |  |  | $ | 710 |  |  | $ | 0 |  |  | $ | 62,212 |
Other revolving credit plans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 4,003 |  |  | $ | 4,197 |  |  | $ | 4,268 |  |  | $ | 3,030 |  |  | $ | 2,318 |  |  | $ | 10,903 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 28,719 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 5 |  |  | 20 |  |  | 24 |  |  | 0 |  |  | 0 |  |  | 49 |
Total | $ | 4,003 |  |  | $ | 4,197 |  |  | $ | 4,268 |  |  | $ | 3,035 |  |  | $ | 2,338 |  |  | $ | 10,927 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 28,768 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 4,469 |  |  | $ | 5,696 |  |  | $ | 4,080 |  |  | $ | 3,324 |  |  | $ | 1,752 |  |  | $ | 815 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 20,136 |
Nonperforming | 0 |  |  | 0 |  |  | 16 |  |  | 9 |  |  | 5 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 30 |
Total | $ | 4,469 |  |  | $ | 5,696 |  |  | $ | 4,096 |  |  | $ | 3,333 |  |  | $ | 1,757 |  |  | $ | 815 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 20,166 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 16,282 |  |  | $ | 21,765 |  |  | $ | 7,565 |  |  | $ | 3,084 |  |  | $ | 1,005 |  |  | $ | 1,428 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 51,129 |
Nonperforming | 40 |  |  | 420 |  |  | 54 |  |  | 40 |  |  | 6 |  |  | 76 |  |  | 0 |  |  | 0 |  |  | 636 |
Total | $ | 16,322 |  |  | $ | 22,185 |  |  | $ | 7,619 |  |  | $ | 3,124 |  |  | $ | 1,011 |  |  | $ | 1,504 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 51,765 |
The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of December 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 | $ | 27,539 |  |  | $ | 9,137 |  |  | $ | 857 |  |  | $ | 66 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 223 |  |  | $ | 0 |  |  | $ | 37,822 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total | $ | 27,539 |  |  | $ | 9,137 |  |  | $ | 857 |  |  | $ | 66 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 223 |  |  | $ | 0 |  |  | $ | 37,822 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 14,383 |  |  | $ | 14,621 |  |  | $ | 9,564 |  |  | $ | 10,584 |  |  | $ | 6,863 |  |  | $ | 39,527 |  |  | $ | 8,151 |  |  | $ | 0 |  |  | $ | 103,693 |
Nonperforming | 0 |  |  | 0 |  |  | 9 |  |  | 10 |  |  | 377 |  |  | 428 |  |  | 0 |  |  | 0 |  |  | 824 |
Total | $ | 14,383 |  |  | $ | 14,621 |  |  | $ | 9,573 |  |  | $ | 10,594 |  |  | $ | 7,240 |  |  | $ | 39,955 |  |  | $ | 8,151 |  |  | $ | 0 |  |  | $ | 104,517 |
Residential mortgages secured by first lien |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 232,606 |  |  | $ | 178,380 |  |  | $ | 111,333 |  |  | $ | 62,850 |  |  | $ | 74,136 |  |  | $ | 160,402 |  |  | $ | 3,475 |  |  | $ | 0 |  |  | $ | 823,182 |
Nonperforming | 79 |  |  | 259 |  |  | 227 |  |  | 151 |  |  | 258 |  |  | 2,379 |  |  | 194 |  |  | 0 |  |  | 3,547 |
Total | $ | 232,685 |  |  | $ | 178,639 |  |  | $ | 111,560 |  |  | $ | 63,001 |  |  | $ | 74,394 |  |  | $ | 162,781 |  |  | $ | 3,669 |  |  | $ | 0 |  |  | $ | 826,729 |
Residential mortgages secured by junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 20,617 |  |  | $ | 11,256 |  |  | $ | 7,239 |  |  | $ | 4,407 |  |  | $ | 3,508 |  |  | $ | 9,095 |  |  | $ | 420 |  |  | $ | 0 |  |  | $ | 56,542 |
Nonperforming | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 84 |  |  | 63 |  |  | 0 |  |  | 0 |  |  | 147 |
Total | $ | 20,617 |  |  | $ | 11,256 |  |  | $ | 7,239 |  |  | $ | 4,407 |  |  | $ | 3,592 |  |  | $ | 9,158 |  |  | $ | 420 |  |  | $ | 0 |  |  | $ | 56,689 |
Other revolving credit plans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 5,313 |  |  | $ | 3,596 |  |  | $ | 3,090 |  |  | $ | 2,592 |  |  | $ | 2,977 |  |  | $ | 8,955 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 26,523 |
Nonperforming | 0 |  |  | 0 |  |  | 4 |  |  | 4 |  |  | 0 |  |  | 5 |  |  | 0 |  |  | 0 |  |  | 13 |
Total | $ | 5,313 |  |  | $ | 3,596 |  |  | $ | 3,094 |  |  | $ | 2,596 |  |  | $ | 2,977 |  |  | $ | 8,960 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 26,536 |
Automobile |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 7,047 |  |  | $ | 5,448 |  |  | $ | 4,668 |  |  | $ | 2,457 |  |  | $ | 682 |  |  | $ | 524 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 20,826 |
Nonperforming | 11 |  |  | 13 |  |  | 12 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 36 |
Total | $ | 7,058 |  |  | $ | 5,461 |  |  | $ | 4,680 |  |  | $ | 2,457 |  |  | $ | 682 |  |  | $ | 524 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 20,862 |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing | $ | 30,423 |  |  | $ | 11,017 |  |  | $ | 4,537 |  |  | $ | 1,451 |  |  | $ | 316 |  |  | $ | 1,374 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 49,118 |
Nonperforming | 204 |  |  | 170 |  |  | 96 |  |  | 25 |  |  | 3 |  |  | 60 |  |  | 0 |  |  | 0 |  |  | 558 |
Total | $ | 30,627 |  |  | $ | 11,187 |  |  | $ | 4,633 |  |  | $ | 1,476 |  |  | $ | 319 |  |  | $ | 1,434 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 49,676 |
| June 30, 2022 |  | December 31, 2021
Credit card |  |  |
Payment performance |  |  |
Performing | $ | 11,046 |  |  | $ | 9,912 |
Nonperforming | 3 |  |  | 23 |
Total | $ | 11,049 |  |  | $ | 9,935 |
Holiday’s loan portfolio, included in other consumer loans above, is summarized as follows at June 30, 2022 and December 31, 2021:
| June 30, 2022 |  | December 31, 2021
Gross other consumer | $ | 30,058 |  |  | $ | 29,227 |
Less: other consumer unearned discounts | (5,762) |  |  | (5,716) |
Total other consumer loans, net of unearned discounts | $ | 24,296 |  |  | $ | 23,511 |

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- 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 https://asc.fasb.org/subtopic&trid=2196772 + Details
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