Credit Quality Indicators (Tables)

9 Months Ended

Sep. 30, 2017

Risk Category of Loans by Class of Loans

As of September 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
September 30, 2017
Originated loans:
Commercial real estate
Owner occupied	$	135,081	$	466	$	1,627	$	137,174
Non-owner occupied		190,511		433		146		191,090
Farmland		58,178		45		47		58,270
Other		79,866		362		250		80,478
Commercial
Commercial and industrial		181,072		5,010		977		187,059
Agricultural		31,708		192		198		32,098
Total originated loans	$	676,416	$	6,508	$	3,245	$	686,169
Acquired loans:
Commercial real estate
Owner occupied	$	52,053	$	477	$	1,544	$	54,074
Non-owner occupied		22,357		390		379		23,126
Farmland		47,373		3,040		818		51,231
Other		12,630		570		112		13,312
Commercial
Commercial and industrial		29,155		41		2,175		31,371
Agricultural		12,701		561		495		13,757
Total acquired loans	$	176,269	$	5,079	$	5,523	$	186,871
Total loans	$	852,685	$	11,587	$	8,768	$	873,040

(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 September 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
September 30, 2017
Originated loans:
Performing	$	256,616	$	67,925	$	165,359	$	28,401	$	8,445
Nonperforming		2,393		620		557		102		16
Total originated loans	$	259,009	$	68,545	$	165,916	$	28,503	$	8,461
Acquired loans:
Performing	$	100,660	$	30,126	$	0	$	16,092	$	113
Nonperforming		626		212		0		134		0
Total acquired loans		101,286		30,338		0		16,226		113
Total loans	$	360,295	$	98,883	$	165,916	$	44,729	$	8,574

	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