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Loans | 3 Months Ended
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Mar. 31, 2019
Receivables [Abstract] |
Loans | Loans: Loan balances were as follows:
(In Thousands of Dollars) |  | March 31, 2019 |  |  | December 31, 2018 |
Originated loans: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 164,818 |  |  | $ | 158,947 |
Non-owner occupied |  |  | 256,377 |  |  |  | 256,124 |
Farmland |  |  | 114,910 |  |  |  | 110,881 |
Other |  |  | 101,149 |  |  |  | 94,527 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 237,822 |  |  |  | 227,031 |
Agricultural |  |  | 35,288 |  |  |  | 37,623 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 307,647 |  |  |  | 307,794 |
Home equity lines of credit |  |  | 82,888 |  |  |  | 82,690 |
Consumer |  |  |  |  |  |  |  |
Indirect |  |  | 160,560 |  |  |  | 164,509 |
Direct |  |  | 29,549 |  |  |  | 30,277 |
Other |  |  | 10,789 |  |  |  | 11,894 |
Total originated loans |  | $ | 1,501,797 |  |  | $ | 1,482,297 |
Acquired loans: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 43,554 |  |  | $ | 44,872 |
Non-owner occupied |  |  | 16,199 |  |  |  | 16,920 |
Farmland |  |  | 40,399 |  |  |  | 40,983 |
Other |  |  | 7,122 |  |  |  | 8,091 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 17,135 |  |  |  | 18,141 |
Agricultural |  |  | 7,613 |  |  |  | 9,526 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 75,774 |  |  |  | 78,786 |
Home equity lines of credit |  |  | 22,545 |  |  |  | 23,617 |
Consumer |  |  |  |  |  |  |  |
Direct |  |  | 8,481 |  |  |  | 9,442 |
Other |  |  | 162 |  |  |  | 162 |
Total acquired loans |  | $ | 238,984 |  |  | $ | 250,540 |
Net Deferred loan costs |  |  | 2,870 |  |  |  | 3,003 |
Allowance for loan losses |  |  | (13,777 | ) |  |  | (13,592 | )
Net loans |  | $ | 1,729,874 |  |  | $ | 1,722,248 |
Purchased credit impaired loans As part of past acquisitions 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:
(In Thousands of Dollars) |  | March 31, 2019 |  |  | December 31, 2018 |
Commercial real estate |  |  |  |  |  |  |  |
Non-owner occupied |  | $ | 275 |  |  | $ | 292 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 856 |  |  |  | 899 |
Total outstanding balance |  | $ | 1,131 |  |  | $ | 1,191 |
Carrying amount, net of allowance of $0 in 2019 and 2018 |  | $ | 849 |  |  | $ | 903 |
Accretable yield, or income expected to be collected, is shown in the table below:
|  |  |  | Three Months Ended |
(In Thousands of Dollars) |  |  |  | March 31, 2019 |  |  | March 31, 2018 |
Beginning balance |  | $ | 93 |  |  | $ | 170 |
New loans purchased |  | 0 |  |  | 0 |
Accretion of income |  |  | (7 | ) |  |  | (19 | )
Ending balance |  | $ | 86 |  |  | $ | 151 |
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 three month periods ended March 31, 2019 and 2018. The following tables present the activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2019 and 2018: Three Months Ended March 31, 2019
(In Thousands of Dollars) |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Unallocated |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 5,036 |  |  | $ | 2,093 |  |  | $ | 2,837 |  |  | $ | 2,963 |  |  | $ | 663 |  |  | $ | 13,592 |
Provision for loan losses |  |  | 159 |  |  |  | 107 |  |  |  | (28 | ) |  |  | 182 |  |  |  | 130 |  |  |  | 550 |
Loans charged off |  |  | 0 |  |  |  | (44 | ) |  |  | (21 | ) |  |  | (501 | ) |  |  | 0 |  |  |  | (566 | )
Recoveries |  |  | 0 |  |  |  | 1 |  |  |  | 25 |  |  |  | 175 |  |  |  | 0 |  |  |  | 201 |
Total ending allowance balance |  | $ | 5,195 |  |  | $ | 2,157 |  |  | $ | 2,813 |  |  | $ | 2,819 |  |  | $ | 793 |  |  | $ | 13,777 |
Three Months Ended March 31, 2018
(In Thousands of Dollars) |  | 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 |  |  | 142 |  |  |  | 147 |  |  |  | 75 |  |  |  | 527 |  |  |  | (116 | ) |  |  | 775 |
Loans charged off |  |  | 0 |  |  |  | (97 | ) |  |  | (56 | ) |  |  | (629 | ) |  |  | 0 |  |  |  | (782 | )
Recoveries |  |  | 2 |  |  |  | 1 |  |  |  | 61 |  |  |  | 178 |  |  |  | 0 |  |  |  | 242 |
Total ending allowance balance |  | $ | 4,404 |  |  | $ | 2,062 |  |  | $ | 2,601 |  |  | $ | 2,924 |  |  | $ | 559 |  |  | $ | 12,550 |
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 March 31, 2019 and December 31, 2018. The recorded investment in loans includes the unpaid principal balance and unamortized loan origination fees and costs: March 31, 2019
(In Thousands of Dollars) |  | 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 |  |  | $ | 261 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 270 |
Collectively evaluated for impairment |  |  | 5,151 |  |  |  | 2,144 |  |  |  | 2,526 |  |  |  | 2,817 |  |  |  | 793 |  |  |  | 13,431 |
Acquired loans collectively evaluated for impairment |  |  | 38 |  |  |  | 10 |  |  |  | 26 |  |  |  | 2 |  |  |  | 0 |  |  |  | 76 |
Acquired with deteriorated credit quality |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total ending allowance balance |  | $ | 5,195 |  |  | $ | 2,157 |  |  | $ | 2,813 |  |  | $ | 2,819 |  |  | $ | 793 |  |  | $ | 13,777 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 623 |  |  | $ | 213 |  |  | $ | 4,538 |  |  | $ | 150 |  |  | $ | 0 |  |  | $ | 5,524 |
Loans collectively evaluated for impairment |  |  | 635,532 |  |  |  | 272,663 |  |  |  | 385,831 |  |  |  | 206,129 |  |  |  | 0 |  |  |  | 1,500,155 |
Acquired loans |  |  | 106,724 |  |  |  | 24,040 |  |  |  | 97,738 |  |  |  | 8,621 |  |  |  | 0 |  |  |  | 237,123 |
Acquired with deteriorated credit quality |  |  | 245 |  |  |  | 604 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 849 |
Total ending loans balance |  | $ | 743,124 |  |  | $ | 297,520 |  |  | $ | 488,107 |  |  | $ | 214,900 |  |  | $ | 0 |  |  | $ | 1,743,651 |
December 31, 2018
(In Thousands of Dollars) |  | 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 |
The following tables present information related to impaired loans by class of loans as of March 31, 2019 and December 31, 2018:
(In Thousands of Dollars) |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 362 |  |  | $ | 328 |  |  | $ | 0 |
Non-owner occupied |  |  | 40 |  |  |  | 38 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 184 |  |  |  | 154 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,443 |  |  |  | 2,710 |  |  |  | 0 |
Home equity lines of credit |  |  | 429 |  |  |  | 361 |  |  |  | 0 |
Consumer |  |  | 264 |  |  |  | 127 |  |  |  | 0 |
Subtotal |  |  | 4,722 |  |  |  | 3,718 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Farmland |  |  | 258 |  |  |  | 257 |  |  |  | 6 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 59 |  |  |  | 59 |  |  |  | 3 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,286 |  |  |  | 1,277 |  |  |  | 185 |
Home equity lines of credit |  |  | 203 |  |  |  | 190 |  |  |  | 76 |
Consumer |  |  | 22 |  |  |  | 23 |  |  |  | 0 |
Subtotal |  |  | 1,828 |  |  |  | 1,806 |  |  |  | 270 |
Total |  | $ | 6,550 |  |  | $ | 5,524 |  |  | $ | 270 |
(In Thousands of Dollars) |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 524 |  |  | $ | 494 |  |  | $ | 0 |
Non-owner occupied |  |  | 40 |  |  |  | 38 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 191 |  |  |  | 162 |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  |  |
Farmland |  |  | 258 |  |  |  | 258 |  |  |  | 6 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 61 |  |  |  | 61 |  |  |  | 3 |
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 |
The following tables present the average recorded investment in impaired loans by class and interest income recognized by loan class for the three month periods ended March 31, 2019 and 2018:
|  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | For Three Months Ended March 31, |  |  | For Three Months Ended March 31, |
(In Thousands of Dollars) |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 331 |  |  | $ | 420 |  |  | $ | 4 |  |  | $ | 7 |
Non-owner occupied |  |  | 38 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 157 |  |  |  | 873 |  |  |  | 2 |  |  |  | 1 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,693 |  |  |  | 2,636 |  |  |  | 43 |  |  |  | 49 |
Home equity lines of credit |  |  | 347 |  |  |  | 325 |  |  |  | 5 |  |  |  | 4 |
Consumer |  |  | 112 |  |  |  | 63 |  |  |  | 3 |  |  |  | 3 |
Subtotal |  |  | 3,678 |  |  |  | 4,317 |  |  |  | 57 |  |  |  | 64 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Farmland |  |  | 257 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 59 |  |  |  | 67 |  |  |  | 1 |  |  |  | 1 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,319 |  |  |  | 1,429 |  |  |  | 8 |  |  |  | 10 |
Home equity lines of credit |  |  | 196 |  |  |  | 155 |  |  |  | 2 |  |  |  | 2 |
Consumer |  |  | 8 |  |  |  | 1 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 1,839 |  |  |  | 1,652 |  |  |  | 11 |  |  |  | 13 |
Total |  | $ | 5,517 |  |  | $ | 5,969 |  |  | $ | 68 |  |  | $ | 77 |
Cash basis interest recognized during the three month periods ended March 31, 2019 and 2018 was not materially different from interest income recognized under the accrual method. Nonaccrual loans and loans past due 90 days or more 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 March 31, 2019 and December 31, 2018:
|  | March 31, 2019 |  |  | December 31, 2018 |
(In Thousands of Dollars) |  | 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 |  | $ | 330 |  |  | $ | 0 |  |  | $ | 340 |  |  | $ | 0 |
Farmland |  |  | 26 |  |  |  | 0 |  |  |  | 30 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 439 |  |  |  | 0 |  |  |  | 122 |  |  |  | 0 |
Agricultural |  |  | 158 |  |  |  | 0 |  |  |  | 158 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,201 |  |  |  | 92 |  |  |  | 2,318 |  |  |  | 185 |
Home equity lines of credit |  |  | 673 |  |  |  | 57 |  |  |  | 644 |  |  |  | 31 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 369 |  |  |  | 198 |  |  |  | 346 |  |  |  | 369 |
Direct |  |  | 83 |  |  |  | 101 |  |  |  | 54 |  |  |  | 200 |
Other |  |  |  |  |  |  | 8 |  |  |  | 0 |  |  |  | 2 |
Total originated loans |  | $ | 4,279 |  |  | $ | 456 |  |  | $ | 4,012 |  |  | $ | 787 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | $ | 48 |  |  | $ | 0 |  |  | $ | 82 |  |  | $ | 0 |
Farmland |  |  | 257 |  |  |  | 0 |  |  |  | 257 |  |  |  | 0 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 754 |  |  |  | 0 |  |  |  | 824 |  |  |  | 0 |
Agricultural |  |  | 295 |  |  |  | 0 |  |  |  | 291 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 780 |  |  |  | 151 |  |  |  | 1,001 |  |  |  | 122 |
Home equity lines of credit |  |  | 270 |  |  |  | 53 |  |  |  | 203 |  |  |  | 14 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 82 |  |  |  | 153 |  |  |  | 95 |  |  |  | 43 |
Total acquired loans |  | $ | 2,486 |  |  | $ | 357 |  |  | $ | 2,753 |  |  | $ | 179 |
Total loans |  | $ | 6,765 |  |  | $ | 813 |  |  | $ | 6,765 |  |  | $ | 966 |
The following tables present the aging of the recorded investment in past due loans as of March 31, 2019 and December 31, 2018 by class of loans:
(In Thousands of Dollars) |  | 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 |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 55 |  |  | $ | 0 |  |  | $ | 330 |  |  | $ | 385 |  |  | $ | 164,062 |  |  | $ | 164,447 |
Non-owner occupied |  |  | 183 |  |  |  | 22 |  |  |  | 0 |  |  |  | 205 |  |  |  | 255,559 |  |  |  | 255,764 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 26 |  |  |  | 26 |  |  |  | 114,756 |  |  |  | 114,782 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 100,866 |  |  |  | 100,866 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 154 |  |  |  | 0 |  |  |  | 439 |  |  |  | 593 |  |  |  | 236,786 |  |  |  | 237,379 |
Agricultural |  |  | 84 |  |  |  | 5 |  |  |  | 158 |  |  |  | 247 |  |  |  | 35,147 |  |  |  | 35,394 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,275 |  |  |  | 11 |  |  |  | 2,293 |  |  |  | 5,579 |  |  |  | 301,303 |  |  |  | 306,882 |
Home equity lines of credit |  |  | 0 |  |  |  | 153 |  |  |  | 730 |  |  |  | 883 |  |  |  | 82,025 |  |  |  | 82,908 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1,454 |  |  |  | 481 |  |  |  | 567 |  |  |  | 2,502 |  |  |  | 163,217 |  |  |  | 165,719 |
Direct |  |  | 827 |  |  |  | 174 |  |  |  | 184 |  |  |  | 1,185 |  |  |  | 28,563 |  |  |  | 29,748 |
Other |  |  | 37 |  |  |  | 8 |  |  |  | 8 |  |  |  | 53 |  |  |  | 10,737 |  |  |  | 10,790 |
Total originated loans: |  | $ | 6,069 |  |  | $ | 854 |  |  | $ | 4,735 |  |  | $ | 11,658 |  |  | $ | 1,493,021 |  |  | $ | 1,504,679 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 43 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 43 |  |  | $ | 43,610 |  |  | $ | 43,653 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 48 |  |  |  | 48 |  |  |  | 16,044 |  |  |  | 16,092 |
Farmland |  |  | 284 |  |  |  | 72 |  |  |  | 257 |  |  |  | 613 |  |  |  | 39,785 |  |  |  | 40,398 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 7,122 |  |  |  | 7,122 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 84 |  |  |  | 0 |  |  |  | 754 |  |  |  | 838 |  |  |  | 16,296 |  |  |  | 17,134 |
Agricultural |  |  | 17 |  |  |  | 0 |  |  |  | 295 |  |  |  | 312 |  |  |  | 7,301 |  |  |  | 7,613 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,031 |  |  |  | 0 |  |  |  | 931 |  |  |  | 1,962 |  |  |  | 73,810 |  |  |  | 75,772 |
Home equity lines of credit |  |  | 146 |  |  |  | 165 |  |  |  | 323 |  |  |  | 634 |  |  |  | 21,911 |  |  |  | 22,545 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 300 |  |  |  | 14 |  |  |  | 235 |  |  |  | 549 |  |  |  | 7,932 |  |  |  | 8,481 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 162 |  |  |  | 162 |
Total acquired loans |  | $ | 1,905 |  |  | $ | 251 |  |  | $ | 2,843 |  |  | $ | 4,999 |  |  | $ | 233,973 |  |  | $ | 238,972 |
Total loans |  | $ | 7,974 |  |  | $ | 1,105 |  |  | $ | 7,578 |  |  | $ | 16,657 |  |  | $ | 1,726,994 |  |  | $ | 1,743,651 |
(In Thousands of Dollars) |  | 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 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |

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