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Loans | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Loans | NOTE 4 – LOANS Loans at year end were as follows:
|  | 2018 |  |  | 2017 |
Originated loans: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 158,947 |  |  | $ | 140,321 |
Non-owner occupied |  |  | 256,124 |  |  |  | 199,080 |
Farmland |  |  |  |  | 110,881 |  |  |  | 70,534 |
Other |  |  | 94,527 |  |  |  | 89,025 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | 227,031 |  |  |  | 193,347 |
Agricultural |  |  |  |  | 37,623 |  |  |  | 32,587 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 307,794 |  |  |  | 272,421 |
Home equity lines of credit |  |  | 82,690 |  |  |  | 71,507 |
Consumer |  |  |  |  |  |  |  |
Indirect |  |  | 164,509 |  |  |  | 155,950 |
Direct |  |  | 30,277 |  |  |  | 28,519 |
Other |  |  | 11,894 |  |  |  | 8,876 |
Total originated loans |  | $ | 1,482,297 |  |  | $ | 1,262,167 |
Acquired loans: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 44,872 |  |  | $ | 53,031 |
Non-owner occupied |  |  | 16,920 |  |  |  | 20,286 |
Farmland |  |  |  |  | 40,983 |  |  |  | 47,754 |
Other |  |  | 8,091 |  |  |  | 11,964 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | 18,141 |  |  |  | 27,094 |
Agricultural |  |  |  |  | 9,526 |  |  |  | 12,206 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 78,786 |  |  |  | 96,759 |
Home equity lines of credit |  |  | 23,617 |  |  |  | 28,755 |
Consumer |  |  |  |  |  |  |  |
Direct |  |  | 9,442 |  |  |  | 14,378 |
Other |  |  | 162 |  |  |  | 128 |
Total acquired loans |  |  | 250,540 |  |  |  | 312,355 |
Net deferred loan costs |  |  | 3,003 |  |  |  | 2,859 |
Allowance for loan losses |  |  | (13,592 | ) |  |  | (12,315 | )
Net loans |  | $ | 1,722,248 |  |  | $ | 1,565,066 |
Purchased credit impaired loans As part of the NBOH acquisition in 2015 the Company acquired various loans that displayed evidence of deterioration of credit quality since origination and which was probable that all contractually required payments would not be collected. The carrying amounts and contractually required payments of these loans which are included in the loan balances above are summarized in the following tables:
|  | 2018 |  |  | 2017 |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 670 |
Non-owner occupied |  |  | 292 |  |  |  | 387 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | 899 |  |  |  | 1,072 |
Total outstanding balance |  | $ | 1,191 |  |  | $ | 2,129 |
Carrying amount, net of allowance of $0 in 2018 and 2017 |  | $ | 903 |  |  | $ | 1,733 |
Accretable yield, or income expected to be collected, is shown in the table below:
|  |  |  | 2018 |  |  | 2017 |
Beginning balance |  |  |  | $ | 170 |  |  | $ | 247 |
New loans purchased |  |  |  |  | 0 |  |  |  | 0 |
Accretion of income |  |  |  |  | (77 | ) |  |  | (77 | )
Ending balance |  |  |  | $ | 93 |  |  | $ | 170 |
The key assumptions considered include probability of default and the amount of actual prepayments after the acquisition date. Prepayments affect the estimated life of the loans and could change the amount of interest income and principal expected to be collected. In reforecasting future estimated cash flows, credit loss expectations are adjusted as necessary. There were no adjustments to forecasted cash flows that impacted the allowance for loan losses for the years ended December 31, 2018 and 2017. The following tables present the activity in the allowance for loan losses by portfolio segment for years ended December 31, 2018, 2017 and 2016:
December 31, 2018 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,260 |  |  | $ | 2,011 |  |  | $ | 2,521 |  |  | $ | 2,848 |  |  | $ | 675 |  |  | $ | 12,315 |
Provision for loan losses |  |  | 650 |  |  |  | 112 |  |  |  | 486 |  |  |  | 1,764 |  |  |  | (12 | ) |  |  | 3,000 |
Loans charged off |  |  | 0 |  |  |  | (220 | ) |  |  | (318 | ) |  |  | (2,318 | ) |  |  | 0 |  |  |  | (2,856 | )
Recoveries |  |  | 126 |  |  |  | 190 |  |  |  | 148 |  |  |  | 669 |  |  |  | 0 |  |  |  | 1,133 |
Total ending allowance balance |  | $ | 5,036 |  |  | $ | 2,093 |  |  | $ | 2,837 |  |  | $ | 2,963 |  |  | $ | 663 |  |  | $ | 13,592 |
December 31, 2017 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,577 |  |  | $ | 1,874 |  |  | $ | 2,205 |  |  | $ | 2,766 |  |  | $ | 430 |  |  | $ | 10,852 |
Provision for loan losses |  |  | 298 |  |  |  | 446 |  |  |  | 378 |  |  |  | 1,983 |  |  |  | 245 |  |  |  | 3,350 |
Loans charged off |  |  | (207 | ) |  |  | (375 | ) |  |  | (162 | ) |  |  | (2,542 | ) |  |  | 0 |  |  |  | (3,286 | )
Recoveries |  |  | 592 |  |  |  | 66 |  |  |  | 100 |  |  |  | 641 |  |  |  | 0 |  |  |  | 1,399 |
Total ending allowance balance |  | $ | 4,260 |  |  | $ | 2,011 |  |  | $ | 2,521 |  |  | $ | 2,848 |  |  | $ | 675 |  |  | $ | 12,315 |
December 31, 2016 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,127 |  |  | $ | 1,373 |  |  | $ | 1,845 |  |  | $ | 2,160 |  |  | $ | 473 |  |  | $ | 8,978 |
Provision for loan losses |  |  | 784 |  |  |  | 701 |  |  |  | 436 |  |  |  | 1,992 |  |  |  | (43 | ) |  |  | 3,870 |
Loans charged off |  |  | (349 | ) |  |  | (245 | ) |  |  | (188 | ) |  |  | (2,019 | ) |  |  | 0 |  |  |  | (2,801 | )
Recoveries |  |  | 15 |  |  |  | 45 |  |  |  | 112 |  |  |  | 633 |  |  |  | 0 |  |  |  | 805 |
Total ending allowance balance |  | $ | 3,577 |  |  | $ | 1,874 |  |  | $ | 2,205 |  |  | $ | 2,766 |  |  | $ | 430 |  |  | $ | 10,852 |
The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, based on impairment method as of December 31, 2018 and 2017. The recorded investment in loans includes the unpaid principal balance and unamortized loan origination fees and costs, but excludes accrued interest receivable which is not considered to be material:
December 31, 2018 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 6 |  |  | $ | 3 |  |  | $ | 267 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 276 |
Collectively evaluated for impairment |  |  | 4,981 |  |  |  | 2,075 |  |  |  | 2,534 |  |  |  | 2,960 |  |  |  | 663 |  |  |  | 13,213 |
Acquired loans collectively evaluated for impairment |  |  | 49 |  |  |  | 15 |  |  |  | 36 |  |  |  | 3 |  |  |  | 0 |  |  |  | 103 |
Acquired with deteriorated credit quality |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total ending allowance balance |  | $ | 5,036 |  |  | $ | 2,093 |  |  | $ | 2,837 |  |  | $ | 2,963 |  |  | $ | 663 |  |  | $ | 13,592 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 790 |  |  | $ | 223 |  |  | $ | 4,627 |  |  | $ | 83 |  |  | $ | 0 |  |  | $ | 5,723 |
Loans collectively evaluated for impairment |  |  | 618,729 |  |  |  | 264,208 |  |  |  | 385,702 |  |  |  | 212,130 |  |  |  | 0 |  |  |  | 1,480,769 |
Acquired loans |  |  | 110,143 |  |  |  | 26,916 |  |  |  | 101,804 |  |  |  | 9,582 |  |  |  | 0 |  |  |  | 248,445 |
Acquired with deteriorated credit quality |  |  | 262 |  |  |  | 641 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 903 |
Total ending loans balance |  | $ | 729,924 |  |  | $ | 291,988 |  |  | $ | 492,133 |  |  | $ | 221,795 |  |  | $ | 0 |  |  | $ | 1,735,840 |
December 31, 2017 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 0 |  |  | $ | 4 |  |  | $ | 158 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 162 |
Collectively evaluated for impairment |  |  | 4,214 |  |  |  | 1,993 |  |  |  | 2,322 |  |  |  | 2,844 |  |  |  | 675 |  |  |  | 12,048 |
Acquired loans collectively evaluated for impairment |  |  | 46 |  |  |  | 14 |  |  |  | 41 |  |  |  | 4 |  |  |  | 0 |  |  |  | 105 |
Acquired with deteriorated credit quality |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total ending allowance balance |  | $ | 4,260 |  |  | $ | 2,011 |  |  | $ | 2,521 |  |  | $ | 2,848 |  |  | $ | 675 |  |  | $ | 12,315 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 658 |  |  | $ | 260 |  |  | $ | 4,559 |  |  | $ | 59 |  |  | $ | 0 |  |  | $ | 5,536 |
Loans collectively evaluated for impairment |  |  | 497,168 |  |  |  | 225,312 |  |  |  | 339,143 |  |  |  | 198,370 |  |  |  | 0 |  |  |  | 1,259,993 |
Acquired loans |  |  | 131,926 |  |  |  | 38,503 |  |  |  | 125,182 |  |  |  | 14,507 |  |  |  | 0 |  |  |  | 310,118 |
Acquired with deteriorated credit quality |  |  | 948 |  |  |  | 786 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,734 |
Total ending loans balance |  | $ | 630,700 |  |  | $ | 264,861 |  |  | $ | 468,884 |  |  | $ | 212,936 |  |  | $ | 0 |  |  | $ | 1,577,381 |
The following tables present information related to impaired loans by class of loans as of and for years ended December 31, 2018 and 2017. The recorded investment in loans excludes accrued interest receivable due to immateriality.
December 31, 2018 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 524 |  |  | $ | 494 |  |  | $ | 0 |
Non-owner occupied |  |  | 40 |  |  |  | 38 |  |  |  | 0 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 191 |  |  |  | 162 |  |  |  | 0 |
Agricultural |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,451 |  |  |  | 2,759 |  |  |  | 0 |
Home equity lines of credit |  |  | 379 |  |  |  | 326 |  |  |  | 0 |
Consumer |  |  | 174 |  |  |  | 83 |  |  |  | 0 |
Subtotal |  |  | 4,759 |  |  |  | 3,862 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 258 |  |  |  | 258 |  |  |  | 6 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 61 |  |  |  | 61 |  |  |  | 3 |
Agricultural |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,354 |  |  |  | 1,343 |  |  |  | 188 |
Home equity lines of credit |  |  | 224 |  |  |  | 199 |  |  |  | 79 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 1,897 |  |  |  | 1,861 |  |  |  | 276 |
Total |  | $ | 6,656 |  |  | $ | 5,723 |  |  | $ | 276 |
December 31, 2017 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 659 |  |  | $ | 658 |  |  | $ | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 214 |  |  |  | 192 |  |  |  | 0 |
Agricultural |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,923 |  |  |  | 2,697 |  |  |  | 0 |
Home equity lines of credit |  |  | 341 |  |  |  | 319 |  |  |  | 0 |
Consumer |  |  | 145 |  |  |  | 59 |  |  |  | 0 |
Subtotal |  |  | 4,282 |  |  |  | 3,925 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 68 |  |  |  | 68 |  |  |  | 4 |
Agricultural |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,409 |  |  |  | 1,387 |  |  |  | 84 |
Home equity lines of credit |  |  | 159 |  |  |  | 156 |  |  |  | 74 |
Consumer |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 1,636 |  |  |  | 1,611 |  |  |  | 162 |
Total |  | $ | 5,918 |  |  | $ | 5,536 |  |  | $ | 162 |
The Following tables present the average recorded investment in impaired loans by class and interest income recognized by loan class for the years ended December 31, 2018, 2017 and 2016.
December 31, 2018 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 490 |  |  | $ | 30 |
Non-owner occupied |  |  | 26 |  |  |  | 2 |
Farmland |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 335 |  |  |  | 6 |
Agricultural |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,769 |  |  |  | 186 |
Home equity lines of credit |  |  | 309 |  |  |  | 16 |
Consumer |  |  | 72 |  |  |  | 11 |
Subtotal |  |  | 4,001 |  |  |  | 251 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  |  | 0 |  |  |  | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 193 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 68 |  |  |  | 4 |
Agricultural |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,778 |  |  |  | 47 |
Home equity lines of credit |  |  | 166 |  |  |  | 7 |
Consumer |  |  | 3 |  |  |  | 0 |
Subtotal |  |  | 2,208 |  |  |  | 58 |
Total |  | $ | 6,209 |  |  | $ | 309 |
December 31, 2017 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 767 |  |  | $ | 10 |
Non-owner occupied |  |  | 68 |  |  |  | 2 |
Farmland |  |  | 12 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 184 |  |  |  | 4 |
Agricultural |  |  | 10 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,343 |  |  |  | 138 |
Home equity lines of credit |  |  | 299 |  |  |  | 15 |
Consumer |  |  | 74 |  |  |  | 11 |
Subtotal |  |  | 3,757 |  |  |  | 180 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  |  | 134 |  |  |  | 6 |
Non-owner occupied |  |  | 640 |  |  |  | 28 |
Farmland |  |  | 63 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 71 |  |  |  | 4 |
Agricultural |  |  | 50 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 837 |  |  |  | 29 |
Home equity lines of credit |  |  | 95 |  |  |  | 3 |
Consumer |  |  | 2 |  |  |  | 0 |
Subtotal |  |  | 1,892 |  |  |  | 70 |
Total |  | $ | 5,649 |  |  | $ | 250 |
December 31, 2016 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 1,601 |  |  | $ | 70 |
Non-owner occupied |  |  | 334 |  |  |  | 5 |
Farmland |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 641 |  |  |  | 15 |
Agricultural |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,302 |  |  |  | 145 |
Home equity lines of credit |  |  | 221 |  |  |  | 10 |
Consumer |  |  | 97 |  |  |  | 13 |
Subtotal |  |  | 5,196 |  |  |  | 258 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  |  | 874 |  |  |  | 29 |
Non-owner occupied |  |  | 1,283 |  |  |  | 67 |
Farmland |  |  | 127 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 103 |  |  |  | 4 |
Agricultural |  |  | 73 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 828 |  |  |  | 36 |
Home equity lines of credit |  |  | 85 |  |  |  | 4 |
Consumer |  |  | 1 |  |  |  | 0 |
Subtotal |  |  | 3,374 |  |  |  | 140 |
Total |  | $ | 8,570 |  |  | $ | 398 |
Cash basis interest income recognized and interest income recognized was materially equal for 2018, 2017 and 2016. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following table presents the recorded investment in nonaccrual and loans past due 90 days or more still on accrual by class of loans as of December 31, 2018 and 2017:
|  | 2018 |  |  | 2017 |
|  | Nonaccrual |  |  | Loans Past Due 90 Days or More Still Accruing |  |  | Nonaccrual |  |  | Loans Past Due 90 Days or More Still Accruing |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 340 |  |  | $ | 0 |  |  | $ | 501 |  |  | $ | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 30 |  |  |  | 0 |  |  |  | 45 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 122 |  |  |  | 0 |  |  |  | 249 |  |  |  | 0 |
Agricultural |  |  | 158 |  |  |  | 0 |  |  |  | 2 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,318 |  |  |  | 185 |  |  |  | 2,653 |  |  |  | 393 |
Home equity lines of credit |  |  | 644 |  |  |  | 31 |  |  |  | 602 |  |  |  | 8 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 346 |  |  |  | 369 |  |  |  | 457 |  |  |  | 361 |
Direct |  |  | 54 |  |  |  | 200 |  |  |  | 63 |  |  |  | 153 |
Other |  |  | 0 |  |  |  | 2 |  |  |  | 0 |  |  |  | 14 |
Total originated loans |  | $ | 4,012 |  |  | $ | 787 |  |  | $ | 4,572 |  |  | $ | 929 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |
Non-owner occupied |  |  | 82 |  |  |  | 0 |  |  |  | 216 |  |  |  | 0 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 257 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 824 |  |  |  | 0 |  |  |  | 943 |  |  |  | 19 |
Agricultural |  |  | 291 |  |  |  | 0 |  |  |  | 9 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,001 |  |  |  | 122 |  |  |  | 613 |  |  |  | 69 |
Home equity lines of credit |  |  | 203 |  |  |  | 14 |  |  |  | 170 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 95 |  |  |  | 43 |  |  |  | 140 |  |  |  | 15 |
Total acquired loans |  | $ | 2,753 |  |  | $ | 179 |  |  | $ | 2,091 |  |  | $ | 103 |
Total loans |  | $ | 6,765 |  |  | $ | 966 |  |  | $ | 6,663 |  |  | $ | 1,032 |
The following tables present the aging of the recorded investment in past due loans as of December 31, 2018 and 2017 by class of loans:
December 31, 2018 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or More Past Due and Nonaccrual |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 82 |  |  | $ | 0 |  |  | $ | 340 |  |  | $ | 422 |  |  | $ | 158,161 |  |  | $ | 158,583 |
Non-owner occupied |  |  | 22 |  |  |  | 0 |  |  |  | 0 |  |  |  | 22 |  |  |  | 255,458 |  |  |  | 255,480 |
Farmland |  |  | 184 |  |  |  | 0 |  |  |  | 30 |  |  |  | 214 |  |  |  | 110,547 |  |  |  | 110,761 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 94,242 |  |  |  | 94,242 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 159 |  |  |  | 0 |  |  |  | 122 |  |  |  | 281 |  |  |  | 226,320 |  |  |  | 226,601 |
Agricultural |  |  | 69 |  |  |  | 10 |  |  |  | 158 |  |  |  | 237 |  |  |  | 37,484 |  |  |  | 37,721 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,964 |  |  |  | 424 |  |  |  | 2,503 |  |  |  | 4,891 |  |  |  | 302,131 |  |  |  | 307,022 |
Home equity lines of credit |  |  | 64 |  |  |  | 14 |  |  |  | 675 |  |  |  | 753 |  |  |  | 81,957 |  |  |  | 82,710 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1,714 |  |  |  | 755 |  |  |  | 715 |  |  |  | 3,184 |  |  |  | 166,622 |  |  |  | 169,806 |
Direct |  |  | 714 |  |  |  | 340 |  |  |  | 254 |  |  |  | 1,308 |  |  |  | 29,183 |  |  |  | 30,491 |
Other |  |  | 33 |  |  |  | 14 |  |  |  | 2 |  |  |  | 49 |  |  |  | 11,845 |  |  |  | 11,894 |
Total originated loans: |  | $ | 5,005 |  |  | $ | 1,557 |  |  | $ | 4,799 |  |  | $ | 11,361 |  |  | $ | 1,473,950 |  |  | $ | 1,485,311 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 321 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 321 |  |  | $ | 44,618 |  |  | $ | 44,939 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 82 |  |  |  | 82 |  |  |  | 16,764 |  |  |  | 16,846 |
Farmland |  |  | 0 |  |  |  | 102 |  |  |  | 257 |  |  |  | 359 |  |  |  | 40,623 |  |  |  | 40,982 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 8,091 |  |  |  | 8,091 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 94 |  |  |  | 0 |  |  |  | 824 |  |  |  | 918 |  |  |  | 17,223 |  |  |  | 18,141 |
Agricultural |  |  | 31 |  |  |  | 5 |  |  |  | 291 |  |  |  | 327 |  |  |  | 9,198 |  |  |  | 9,525 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 750 |  |  |  | 229 |  |  |  | 1,123 |  |  |  | 2,102 |  |  |  | 76,682 |  |  |  | 78,784 |
Home equity lines of credit |  |  | 208 |  |  |  | 0 |  |  |  | 217 |  |  |  | 425 |  |  |  | 23,192 |  |  |  | 23,617 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 318 |  |  |  | 257 |  |  |  | 138 |  |  |  | 713 |  |  |  | 8,729 |  |  |  | 9,442 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 162 |  |  |  | 162 |
Total acquired loans |  | $ | 1,722 |  |  | $ | 593 |  |  | $ | 2,932 |  |  | $ | 5,247 |  |  | $ | 245,282 |  |  | $ | 250,529 |
Total loans |  | $ | 6,727 |  |  | $ | 2,150 |  |  | $ | 7,731 |  |  | $ | 16,608 |  |  | $ | 1,719,232 |  |  | $ | 1,735,840 |
December 31, 2017 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days or More Past Due and Nonaccrual |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 4 |  |  | $ | 340 |  |  | $ | 501 |  |  | $ | 845 |  |  | $ | 139,081 |  |  | $ | 139,926 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 198,588 |  |  |  | 198,588 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 45 |  |  |  | 45 |  |  |  | 70,398 |  |  |  | 70,443 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 88,703 |  |  |  | 88,703 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 292 |  |  |  | 3 |  |  |  | 249 |  |  |  | 544 |  |  |  | 192,335 |  |  |  | 192,879 |
Agricultural |  |  | 74 |  |  |  | 0 |  |  |  | 2 |  |  |  | 76 |  |  |  | 32,605 |  |  |  | 32,681 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,044 |  |  |  | 403 |  |  |  | 3,046 |  |  |  | 5,493 |  |  |  | 266,338 |  |  |  | 271,831 |
Home equity lines of credit |  |  | 155 |  |  |  | 18 |  |  |  | 610 |  |  |  | 783 |  |  |  | 70,754 |  |  |  | 71,537 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 2,429 |  |  |  | 829 |  |  |  | 818 |  |  |  | 4,076 |  |  |  | 156,772 |  |  |  | 160,848 |
Direct |  |  | 632 |  |  |  | 250 |  |  |  | 216 |  |  |  | 1,098 |  |  |  | 27,608 |  |  |  | 28,706 |
Other |  |  | 115 |  |  |  | 11 |  |  |  | 14 |  |  |  | 140 |  |  |  | 8,736 |  |  |  | 8,876 |
Total originated loans: |  | $ | 5,745 |  |  | $ | 1,854 |  |  | $ | 5,501 |  |  | $ | 13,100 |  |  | $ | 1,251,918 |  |  | $ | 1,265,018 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 53,051 |  |  |  | 53,051 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 216 |  |  |  | 216 |  |  |  | 20,042 |  |  |  | 20,258 |
Farmland |  |  | 454 |  |  |  | 0 |  |  |  | 0 |  |  |  | 454 |  |  |  | 47,301 |  |  |  | 47,755 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 11,976 |  |  |  | 11,976 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 327 |  |  |  | 96 |  |  |  | 962 |  |  |  | 1,385 |  |  |  | 25,709 |  |  |  | 27,094 |
Agricultural |  |  | 87 |  |  |  | 0 |  |  |  | 9 |  |  |  | 96 |  |  |  | 12,111 |  |  |  | 12,207 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 858 |  |  |  | 77 |  |  |  | 682 |  |  |  | 1,617 |  |  |  | 95,144 |  |  |  | 96,761 |
Home equity lines of credit |  |  | 161 |  |  |  | 0 |  |  |  | 170 |  |  |  | 331 |  |  |  | 28,424 |  |  |  | 28,755 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 380 |  |  |  | 151 |  |  |  | 155 |  |  |  | 686 |  |  |  | 13,692 |  |  |  | 14,378 |
Other |  |  | 0 |  |  |  | 1 |  |  |  | 0 |  |  |  | 1 |  |  |  | 127 |  |  |  | 128 |
Total acquired loans |  | $ | 2,267 |  |  | $ | 325 |  |  | $ | 2,194 |  |  | $ | 4,786 |  |  | $ | 307,577 |  |  | $ | 312,363 |
Total loans |  | $ | 8,012 |  |  | $ | 2,179 |  |  | $ | 7,695 |  |  | $ | 17,886 |  |  | $ | 1,559,495 |  |  | $ | 1,577,381 |
Troubled Debt Restructurings: Total troubled debt restructurings were $5.5 million and $5.0 million at December 31, 2018 and 2017 respectively. The Company has allocated $72 thousand and $68 thousand of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2018 and 2017, respectively. There were no commitments to lend additional amounts to borrowers with loans that were classified as troubled debt restructurings at December 31, 2018 and 2017. During the years ending December 31, 2018, 2017 and 2016, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a permanent increase of the recorded investment in the loan due to a protective advance to pay delinquent real estate taxes or advance new monies; an extension of an interest only period; a deferral of principal payments; a capitalization of interest or a legal concession. Troubled debt restructuring modifications involved a reduction of the notes stated interest rate in the range of 0.49% to 3.49%. There were also extensions of the maturity dates on these and other troubled debt restructurings in the range of five months to 132 months. The following tables present loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2018, 2017 and 2016:
|  |  |  |  |  | Pre- Modification |  |  | Post- Modification |
December 31, 2018 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
Troubled Debt Restructurings: |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 1 |  |  | $ | 360 |  |  | $ | 360 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  |  | 19 |  |  |  | 19 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 7 |  |  |  | 348 |  |  |  | 348 |
Home equity lines of credit |  |  | 6 |  |  |  | 91 |  |  |  | 91 |
Indirect |  |  | 23 |  |  |  | 118 |  |  |  | 118 |
Consumer |  |  | 2 |  |  |  | 19 |  |  |  | 19 |
Total originated loans |  |  | 40 |  |  | $ | 955 |  |  | $ | 955 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  | 1 |  |  |  | 42 |  |  |  | 42 |
Farmland |  |  | 1 |  |  |  | 258 |  |  |  | 258 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 7 |  |  |  | 115 |  |  |  | 115 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 7 |  |  |  | 321 |  |  |  | 337 |
Home equity lines of credit |  |  | 1 |  |  |  | 32 |  |  |  | 32 |
Consumer |  |  | 2 |  |  |  | 24 |  |  |  | 24 |
Total acquired loans |  |  | 19 |  |  | $ | 792 |  |  | $ | 808 |
Total loans |  |  | 59 |  |  | $ | 1,747 |  |  | $ | 1,763 |
The troubled debt restructurings described above did not increase the allowance for loan losses or result in any charge offs during the year ended December 31, 2018.
|  |  |  |  |  | Pre- Modification |  |  | Post- Modification |
December 31, 2017 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
Troubled Debt Restructurings: |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 15 |  |  | $ | 910 |  |  | $ | 917 |
Home equity lines of credit |  |  | 10 |  |  |  | 234 |  |  |  | 234 |
Indirect |  |  | 29 |  |  |  | 161 |  |  |  | 161 |
Total originated loans |  |  | 54 |  |  | $ | 1,305 |  |  | $ | 1,312 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1 |  |  |  | 13 |  |  |  | 13 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3 |  |  |  | 85 |  |  |  | 85 |
Home equity lines of credit |  |  | 1 |  |  |  | 57 |  |  |  | 57 |
Consumer |  |  | 2 |  |  |  | 55 |  |  |  | 55 |
Total acquired loans |  |  | 7 |  |  | $ | 210 |  |  | $ | 210 |
Total loans |  |  | 61 |  |  | $ | 1,515 |  |  | $ | 1,522 |
The troubled debt restructurings described above increased the allowance for loan losses by $75 thousand and resulted in charge offs of $75 thousand during the year ended December 31, 2017.
|  |  |  |  |  | Pre- Modification |  |  | Post- Modification |
December 31, 2016 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
Troubled Debt Restructurings: |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 15 |  |  | $ | 436 |  |  | $ | 437 |
Home equity lines of credit |  |  | 1 |  |  |  | 40 |  |  |  | 40 |
Indirect |  |  | 26 |  |  |  | 182 |  |  |  | 182 |
Consumer |  |  | 2 |  |  |  | 12 |  |  |  | 12 |
Total originated loans |  |  | 44 |  |  | $ | 670 |  |  | $ | 671 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 4 |  |  |  | 153 |  |  |  | 153 |
Home equity lines of credit |  |  | 1 |  |  |  | 18 |  |  |  | 18 |
Consumer |  |  | 2 |  |  |  | 40 |  |  |  | 40 |
Total acquired loans |  |  | 7 |  |  | $ | 211 |  |  | $ | 211 |
Total loans |  |  | 51 |  |  | $ | 881 |  |  | $ | 882 |
The troubled debt restructurings described above increased the allowance for loan losses by $43 thousand and resulted in charge offs of $344 thousand during the year ended December 31, 2016. There were two residential real estate loans for $146 thousand for which there were payment defaults within twelve months following the modification of the troubled debt restructuring during the year ended December 31, 2018. Both loans were past due at December 31, 2018. There was no effect on the provision for loan losses as a result of this default during 2018. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms. There were no loans for which there were payment defaults within twelve months following the modification of the troubled debt restructuring during the year ended December 31, 2017. There were two commercial real estate loans for $1.2 million, one residential real estate loan for $1 thousand and one home equity line of credit for $10 thousand modified as troubled debt restructurings for which there were payment defaults within twelve months following the modification during the year ended December 31, 2016. None of the loans were past due at December 31, 2016. There was no effect of the provision for loan losses as a result of this default during 2016. Credit Quality Indicators: The Company categorizes loans 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 Company establishes a risk rating at origination for all commercial loan and commercial real estate relationships. For relationships over $750 thousand management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt. Management also affirms the risk ratings for the loans and leases in their respective portfolios on an annual basis. The Company uses the following definitions for risk ratings: Special Mention. Loans classified as special mention have 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 institution’s credit position at some future date. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have 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. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
December 31, 2018 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Total |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 156,892 |  |  | $ | 945 |  |  | $ | 746 |  |  | $ | 158,583 |
Non-owner occupied |  |  | 251,240 |  |  |  | 4,139 |  |  |  | 101 |  |  |  | 255,480 |
Farmland |  |  | 109,391 |  |  |  | 1,301 |  |  |  | 69 |  |  |  | 110,761 |
Other |  |  | 92,669 |  |  |  | 1,325 |  |  |  | 248 |  |  |  | 94,242 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 219,938 |  |  |  | 4,207 |  |  |  | 2,456 |  |  |  | 226,601 |
Agricultural |  |  | 37,158 |  |  |  | 81 |  |  |  | 482 |  |  |  | 37,721 |
Total originated loans |  | $ | 867,288 |  |  | $ | 11,998 |  |  | $ | 4,102 |  |  | $ | 883,388 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 43,763 |  |  | $ | 430 |  |  | $ | 746 |  |  | $ | 44,939 |
Non-owner occupied |  |  | 16,601 |  |  |  | 58 |  |  |  | 187 |  |  |  | 16,846 |
Farmland |  |  | 36,565 |  |  |  | 668 |  |  |  | 3,749 |  |  |  | 40,982 |
Other |  |  | 7,434 |  |  |  | 0 |  |  |  | 657 |  |  |  | 8,091 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 16,407 |  |  |  | 170 |  |  |  | 1,564 |  |  |  | 18,141 |
Agricultural |  |  | 8,612 |  |  |  | 346 |  |  |  | 567 |  |  |  | 9,525 |
Total acquired loans |  | $ | 129,382 |  |  | $ | 1,672 |  |  | $ | 7,470 |  |  | $ | 138,524 |
Total loans |  | $ | 996,670 |  |  | $ | 13,670 |  |  | $ | 11,572 |  |  | $ | 1,021,912 |
December 31, 2017 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Total |
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 |
The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential, consumer and indirect loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in residential, consumer and indirect auto loans based on payment activity. Nonperforming loans are loans past due 90 days and still accruing interest and nonaccrual loans.
|  | Residential Real Estate |  |  | Consumer |
December 31, 2018 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 304,519 |  |  | $ | 82,035 |  |  | $ | 169,091 |  |  | $ | 30,237 |  |  | $ | 11,892 |
Nonperforming |  |  | 2,503 |  |  |  | 675 |  |  |  | 715 |  |  |  | 254 |  |  |  | 2 |
Total originated loans |  | $ | 307,022 |  |  | $ | 82,710 |  |  | $ | 169,806 |  |  | $ | 30,491 |  |  | $ | 11,894 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 77,661 |  |  |  | 23,400 |  |  |  | 0 |  |  |  | 9,304 |  |  |  | 162 |
Nonperforming |  |  | 1,123 |  |  |  | 217 |  |  |  | 0 |  |  |  | 138 |  |  |  | 0 |
Total acquired loans |  | $ | 78,784 |  |  | $ | 23,617 |  |  | $ | 0 |  |  | $ | 9,442 |  |  | $ | 162 |
Total loans |  | $ | 385,806 |  |  | $ | 106,327 |  |  | $ | 169,806 |  |  | $ | 39,933 |  |  | $ | 12,056 |
|  | Residential Real Estate |  |  | Consumer |
December 31, 2017 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
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 |

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