Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2017

Risk Category of Loans by Class of Loans

As of June 30, 2017 and December 31, 2016, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
June 30, 2017
Originated loans:
Commercial real estate
Owner occupied	$	122,180	$	473	$	1,653	$	124,306
Non-owner occupied		181,833		446		154		182,433
Farmland		50,717		46		51		50,814
Other		77,564		362		258		78,184
Commercial
Commercial and industrial		181,499		1,977		1,021		184,497
Agricultural		30,151		25		270		30,446
Total originated loans	$	643,944	$	3,329	$	3,407	$	650,680
Acquired loans:
Commercial real estate
Owner occupied	$	54,121	$	486	$	1,724	$	56,331
Non-owner occupied		20,215		388		351		20,954
Farmland		47,114		0		771		47,885
Other		12,813		574		114		13,501
Commercial
Commercial and industrial		28,591		50		2,180		30,821
Agricultural		12,680		396		500		13,576
Total acquired loans	$	175,534	$	1,894	$	5,640	$	183,068
Total loans	$	819,478	$	5,223	$	9,047	$	833,748

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
December 31, 2016
Originated loans:
Commercial real estate
Owner occupied	$	106,448	$	490	$	2,495	$	109,433
Non-owner occupied		162,465		522		2,461		165,448
Farmland		34,057		0		58		34,115
Other		69,947		325		270		70,542
Commercial
Commercial and industrial		167,062		2,720		950		170,732
Agricultural		24,395		253		25		24,673
Total originated loans	$	564,374	$	4,310	$	6,259	$	574,943
Acquired loans:
Commercial real estate
Owner occupied	$	58,655	$	707	$	1,566	$	60,928
Non-owner occupied		23,577		1,195		177		24,949
Farmland		53,039		0		1,165		54,204
Other		14,060		464		142		14,666
Commercial
Commercial and industrial		30,543		311		2,772		33,626
Agricultural		14,856		685		483		16,024
Total acquired loans	$	194,730	$	3,362	$	6,305	$	204,397
Total loans	$	759,104	$	7,672	$	12,564	$	779,340

Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity

The following tables present the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of June 30, 2017 and December 31, 2016. Nonperforming loans are loans past due 90 days or more and still accruing interest and nonaccrual loans.

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
June 30, 2017
Originated loans:
Performing	$	244,018	$	65,517	$	171,652	$	28,148	$	8,065
Nonperforming		2,204		554		578		42		0
Total originated loans	$	246,222	$	66,071	$	172,230	$	28,190	$	8,065
Acquired loans:
Performing	$	101,167	$	31,242	$	0	$	17,265	$	129
Nonperforming		526		253		0		165		0
Total acquired loans		101,693		31,495		0		17,430		129
Total loans	$	347,915	$	97,566	$	172,230	$	45,620	$	8,194

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2016
Originated loans:
Performing	$	221,476	$	59,362	$	160,977	$	26,772	$	7,596
Nonperforming		2,224		320		736		74		16
Total originated loans	$	223,700	$	59,682	$	161,713	$	26,846	$	7,612
Acquired loans:
Performing	$	111,087	$	34,567	$	0	$	21,498	$	247
Nonperforming		931		228		0		184		0
Total acquired loans		112,018		34,795		0		21,682		247
Total loans	$	335,718	$	94,477	$	161,713	$	48,528	$	7,859