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Credit Quality Indicators (Tables)

3 Months Ended

Mar. 31, 2019

Risks And Uncertainties [Abstract]

Risk Category of Loans by Class of Loans

As of March 31, 2019 and December 31, 2018, 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, 2019
Originated loans:
Commercial real estate
Owner occupied		$	162,064			$	1,653			$	730			$	164,447
Non-owner occupied			251,581				4,085				98				255,764
Farmland			113,432				1,285				65				114,782
Other			99,207				1,417				242				100,866
Commercial
Commercial and industrial			234,405				736				2,238				237,379
Agricultural			34,915				77				402				35,394
Total originated loans		$	895,604			$	9,253			$	3,775			$	908,632
Acquired loans:
Commercial real estate
Owner occupied		$	42,666			$	127			$	860			$	43,653
Non-owner occupied			15,889				57				146				16,092
Farmland			36,040				665				3,693				40,398
Other			6,470				0				652				7,122
Commercial
Commercial and industrial			16,079				170				885				17,134
Agricultural			6,706				362				545				7,613
Total acquired loans		$	123,850			$	1,381			$	6,781			$	132,012
Total loans		$	1,019,454			$	10,634			$	10,556			$	1,040,644

(In Thousands of Dollars)		Pass				Special Mention				Sub standard				Total
December 31, 2018
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

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, 2019 and December 31, 2018.  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, 2019
Originated loans:
Performing		$	304,589			$	82,178			$	165,152			$	29,564			$	10,782
Nonperforming			2,293				730				567				184				8
Total originated loans		$	306,882			$	82,908			$	165,719			$	29,748			$	10,790
Acquired loans:
Performing		$	74,841			$	22,222			$	0			$	8,246			$	162
Nonperforming			931				323				0				235				0
Total acquired loans			75,772				22,545				0				8,481				162
Total loans		$	382,654			$	105,453			$	165,719			$	38,229			$	10,952

		Residential Real Estate								Consumer
(In Thousands of Dollars)		1-4 Family Residential				Home Equity Lines of Credit				Indirect				Direct				Other
December 31, 2018
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

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- Definition

Investment in residential, consumer and indirect auto loans based on payment activity.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953659-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=82894031&loc=SL6953803-111525

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