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Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2019

Risks And Uncertainties [Abstract]

Risk Category of Loans by Class of Loans

As of June 30, 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
June 30, 2019
Originated loans:
Commercial real estate
Owner occupied		$	172,236			$	2,554			$	701			$	175,491
Non-owner occupied			275,057				3,964				95				279,116
Farmland			118,827				2,754				899				122,480
Other			97,515				0				234				97,749
Commercial
Commercial and industrial			237,225				1,569				2,015				240,809
Agricultural			36,987				188				76				37,251
Total originated loans		$	937,847			$	11,029			$	4,020			$	952,896
Acquired loans:
Commercial real estate
Owner occupied		$	40,162			$	120			$	631			$	40,913
Non-owner occupied			12,656				56				40				12,752
Farmland			34,668				642				3,586				38,896
Other			6,526				0				549				7,075
Commercial
Commercial and industrial			14,508				141				802				15,451
Agricultural			6,409				259				213				6,881
Total acquired loans		$	114,929			$	1,218			$	5,821			$	121,968
Total loans		$	1,052,776			$	12,247			$	9,841			$	1,074,864

(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 June 30, 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
June 30, 2019
Originated loans:
Performing		$	312,123			$	83,832			$	166,067			$	27,988			$	10,351
Nonperforming			2,327				751				621				157				9
Total originated loans		$	314,450			$	84,583			$	166,688			$	28,145			$	10,360
Acquired loans:
Performing		$	71,469			$	21,127			$	0			$	7,404			$	110
Nonperforming			891				261				0				152				0
Total acquired loans			72,360				21,388				0				7,556				110
Total loans		$	386,810			$	105,971			$	166,688			$	35,701			$	10,470

		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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