Credit Quality Indicators (Tables)

3 Months Ended

Mar. 31, 2018

Risk Category of Loans by Class of Loans

As of March 31, 2018 and December 31, 2017, 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
March 31, 2018
Originated loans:
Commercial real estate
Owner occupied	$	145,393	$	1,023	$	1,072	$	147,488
Non-owner occupied		207,243		406		121		207,770
Farmland		83,614		0		84		83,698
Other		72,566		0		275		72,841
Commercial
Commercial and industrial		198,779		5,423		3,164		207,366
Agricultural		29,423		340		231		29,994
Total originated loans	$	737,018	$	7,192	$	4,947	$	749,157
Acquired loans:
Commercial real estate
Owner occupied	$	49,267	$	458	$	1,479	$	51,204
Non-owner occupied		19,140		36		269		19,445
Farmland		40,596		3,707		1,250		45,553
Other		10,998		0		671		11,669
Commercial
Commercial and industrial		21,638		264		1,788		23,690
Agricultural		10,515		512		452		11,479
Total acquired loans	$	152,154	$	4,977	$	5,909	$	163,040
Total loans	$	889,172	$	12,169	$	10,856	$	912,197

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
December 31, 2017
Originated loans:
Commercial real estate
Owner occupied	$	137,913	$	442	$	1,571	$	139,926
Non-owner occupied		198,043		419		126		198,588
Farmland		70,354		44		45		70,443
Other		88,421		36		246		88,703
Commercial
Commercial and industrial		184,444		5,326		3,109		192,879
Agricultural		32,291		192		198		32,681
Total originated loans	$	711,466	$	6,459	$	5,295	$	723,220
Acquired loans:
Commercial real estate
Owner occupied	$	51,133	$	466	$	1,452	$	53,051
Non-owner occupied		19,823		63		372		20,258
Farmland		43,694		3,304		757		47,755
Other		11,299		567		110		11,976
Commercial
Commercial and industrial		25,286		2		1,806		27,094
Agricultural		11,200		554		453		12,207
Total acquired loans	$	162,435	$	4,956	$	4,950	$	172,341
Total loans	$	873,901	$	11,415	$	10,245	$	895,561

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 March 31, 2018 and December 31, 2017. 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
March 31, 2018
Originated loans:
Performing	$	277,338	$	70,820	$	165,340	$	27,704	$	8,475
Nonperforming		3,030		658		588		236		109
Total originated loans	$	280,368	$	71,478	$	165,928	$	27,940	$	8,584
Acquired loans:
Performing	$	90,756	$	28,116	$	0	$	12,686	$	107
Nonperforming		861		167		0		151		0
Total acquired loans		91,617		28,283		0		12,837		107
Total loans	$	371,985	$	99,761	$	165,928	$	40,777	$	8,691

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2017
Originated loans:
Performing	$	268,785	$	70,927	$	160,030	$	28,490	$	8,862
Nonperforming		3,046		610		818		216		14
Total originated loans	$	271,831	$	71,537	$	160,848	$	28,706	$	8,876
Acquired loans:
Performing	$	96,079	$	28,585	$	0	$	14,223	$	128
Nonperforming		682		170		0		155		0
Total acquired loans		96,761		28,755		0		14,378		128
Total loans	$	368,592	$	100,292	$	160,848	$	43,084	$	9,004