Loans

12 Months Ended

Dec. 31, 2019

NOTE 4 – LOANS

Loans by class at year end were as follows:

	2019			2018
Originated loans:
Commercial real estate
Owner occupied	$	184,311		$	158,947
Non-owner occupied		287,160			256,124
Farmland		138,702			110,881
Other		93,501			94,527
Commercial
Commercial and industrial		244,172			227,031
Agricultural		46,207			37,623
Residential real estate
1-4 family residential		324,964			307,794
Home equity lines of credit		91,958			82,690
Consumer
Indirect		166,149			164,509
Direct		27,415			30,277
Other		9,485			11,894
Total originated loans	$	1,614,024		$	1,482,297
Acquired loans:
Commercial real estate
Owner occupied	$	35,408		$	44,872
Non-owner occupied		10,439			16,920
Farmland		35,377			40,983
Other		5,960			8,091
Commercial
Commercial and industrial		11,651			18,141
Agricultural		6,047			9,526
Residential real estate
1-4 family residential		63,457			78,786
Home equity lines of credit		19,645			23,617
Consumer
Direct		6,068			9,442
Other		154			162
Total acquired loans		194,206			250,540
Net deferred loan costs		3,309			3,003
Allowance for loan losses		(14,487	)		(13,592	)
Net loans	$	1,797,052		$	1,722,248

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:

	2019		2018
Commercial real estate
Non-owner occupied	$	225	$	292
Commercial
Commercial and industrial		725		899
Total outstanding balance	$	950	$	1,191
Carrying amount, net of allowance of $0 in 2019 and 2018	$	690	$	903

Accretable yield, or income expected to be collected, is shown in the table below:

	2019			2018
Beginning balance	$	93		$	170
New loans purchased		0			0
Accretion of income		(28	)		(77	)
Ending balance	$	65		$	93

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, 2019 and 2018.

The following tables present the activity in the allowance for loan losses by portfolio segment for years ended December 31, 2019, 2018 and 2017:

December 31, 2019	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		848			417			380			732			73		2,450
Loans charged off		(45	)		(200	)		(400	)		(1,702	)		0		(2,347	)
Recoveries		4			13			58			717			0		792
Total ending allowance balance	$	5,843		$	2,323		$	2,875		$	2,710		$	736	$	14,487

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

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, 2019 and 2018. 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, 2019	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	$	2	$	59	$	0	$	0	$	61
Collectively evaluated for impairment		5,790		2,309		2,777		2,708		736		14,320
Acquired loans collectively evaluated for impairment		53		12		39		2		0		106
Acquired with deteriorated credit quality		0		0		0		0		0		0
Total ending allowance balance	$	5,843	$	2,323	$	2,875	$	2,710	$	736	$	14,487

Loans:
Loans individually evaluated for impairment	$	561	$	205	$	3,240	$	247	$	0	$	4,253
Loans collectively evaluated for impairment		702,226		290,017		413,446		208,578		0		1,614,267
Acquired loans		86,431		17,110		82,615		6,173		0		192,329
Acquired with deteriorated credit quality		195		495		0		0		0		690
Total ending loans balance	$	789,413	$	307,827	$	499,301	$	214,998	$	0	$	1,811,539

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

The following tables present information related to impaired loans by class of loans as of and for years ended December 31, 2019 and 2018. The recorded investment in loans excludes accrued interest receivable due to immateriality.

December 31, 2019	Unpaid Principal Balance		Recorded Investment		Allowance for Loan Losses Allocated
With no related allowance recorded:
Commercial real estate
Owner occupied	$	22	$	8	$	0
Non-owner occupied		38		34		0
Farmland		570		519		0
Commercial
Commercial and industrial		179		141		0
Agricultural		11		11		0
Residential real estate
1-4 family residential		2,889		2,095		0
Home equity lines of credit		428		344		0
Consumer		480		247		0
Subtotal		4,617		3,399		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		53		53		2
Agricultural		0		0		0
Residential real estate
1-4 family residential		795		729		52
Home equity lines of credit		72		72		7
Consumer		0		0		0
Subtotal		920		854		61
Total	$	5,537	$	4,253	$	61

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

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, 2019, 2018 and 2017.

December 31, 2019	Average Recorded Investment		Interest Income Recognized

With no related allowance recorded:
Commercial real estate
Owner occupied	$	273	$	13
Non-owner occupied		36		1
Farmland		270		1
Commercial
Commercial and industrial		152		11
Agricultural		7		0
Residential real estate
1-4 family residential		2,368		162
Home equity lines of credit		355		23
Consumer		178		22
Subtotal		3,639		233
With an allowance recorded:
Commercial real estate
Owner occupied		0		0
Non-owner occupied		0		0
Farmland		173		0
Commercial
Commercial and industrial		57		4
Agricultural		0		0
Residential real estate
1-4 family residential		1,096		31
Home equity lines of credit		130		6
Consumer		11		0
Subtotal		1,467		41
Total	$	5,106	$	274

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

Cash basis interest income recognized and interest income recognized was materially equal for 2019, 2018 and 2017.

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, 2019 and 2018:

	2019				2018
	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	$	6	$	0	$	340	$	0
Non-owner occupied		0		0		0		0
Farmland		14		0		30		0
Commercial
Commercial and industrial		567		0		122		0
Agricultural		0		0		158		0
Residential real estate
1-4 family residential		1,234		438		2,318		185
Home equity lines of credit		669		14		644		31
Consumer
Indirect		568		120		346		369
Direct		139		70		54		200
Other		0		6		0		2
Total originated loans	$	3,197	$	648	$	4,012	$	787
Acquired loans:
Commercial real estate
Owner occupied	$	0	$	0	$	0	$	0
Non-owner occupied		102		0		82		0
Farmland		519		0		257		0
Commercial
Commercial and industrial		602		0		824		0
Agricultural		9		0		291		0
Residential real estate
1-4 family residential		659		186		1,001		122
Home equity lines of credit		239		9		203		14
Consumer
Direct		151		24		95		43
Total acquired loans	$	2,281	$	219	$	2,753	$	179
Total loans	$	5,478	$	867	$	6,765	$	966

The following tables present the aging of the recorded investment in past due loans as of December 31, 2019 and 2018 by class of loans:

December 31, 2019	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	$	87	$	0	$	6	$	93	$	183,830	$	183,923
Non-owner occupied		2		0		0		2		286,522		286,524
Farmland		0		0		14		14		138,501		138,515
Other		0		0		0		0		93,271		93,271
Commercial
Commercial and industrial		1,458		573		567		2,598		241,210		243,808
Agricultural		103		77		0		180		46,142		46,322
Residential real estate
1-4 family residential		3,811		207		1,672		5,690		318,536		324,226
Home equity lines of credit		270		21		683		974		91,000		91,974
Consumer
Indirect		1,599		533		688		2,820		168,905		171,725
Direct		537		272		209		1,018		26,549		27,567
Other		153		26		6		185		9,299		9,484
Total originated loans:	$	8,020	$	1,709	$	3,845	$	13,574	$	1,603,765	$	1,617,339
Acquired loans:
Commercial real estate
Owner occupied	$	0	$	0	$	0	$	0	$	35,424	$	35,424
Non-owner occupied		0		0		102		102		10,317		10,419
Farmland		0		0		519		519		34,858		35,377
Other		69		0		0		69		5,891		5,960
Commercial
Commercial and industrial		47		1		602		650		11,000		11,650
Agricultural		0		8		9		17		6,030		6,047
Residential real estate
1-4 family residential		1,159		448		845		2,452		61,004		63,456
Home equity lines of credit		56		8		248		312		19,333		19,645
Consumer
Direct		347		21		175		543		5,525		6,068
Other		0		0		0		0		154		154
Total acquired loans	$	1,678	$	486	$	2,500	$	4,664	$	189,536	$	194,200
Total loans	$	9,698	$	2,195	$	6,345	$	18,238	$	1,793,301	$	1,811,539

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

Troubled Debt Restructurings:

Total troubled debt restructurings were $4.6 million and $5.5 million at December 31, 2019 and 2018 respectively. The Company allocated $61 thousand and $72 thousand of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2019 and 2018, respectively. There were no commitments to lend additional amounts to borrowers with loans that were classified as troubled debt restructurings at December 31, 2019 and 2018.

During the years ending December 31, 2019, 2018 and 2017, 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 and/or escrow or a legal concession.

Troubled debt restructuring modifications involved a reduction of the notes stated interest rate in the range of 0.24% to 3.49%. There were also extensions of the maturity dates on these and other troubled debt restructurings in the range of two months to 132 months.

The following tables present loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2019, 2018 and 2017:

			Pre- Modification		Post- Modification
December 31, 2019	Number of		Outstanding Recorded		Outstanding Recorded
Troubled Debt Restructurings:	Loans		Investment		Investment
Originated loans:
Commercial
Commercial and industrial		1	$	12	$	12
Residential real estate
1-4 family residential		6		178		181
Home equity lines of credit		3		90		94
Indirect		39		337		337
Consumer		2		46		46
Total originated loans		51	$	663	$	670
Acquired loans:
Commercial real estate
Farmland		3		527		527
Commercial
Commercial and industrial		1		27		27
Residential real estate
1-4 family residential		4		201		205
Home equity lines of credit		1		17		17
Consumer		3		14		14
Total acquired loans		12	$	786	$	790
Total loans		63	$	1,449	$	1,460

The troubled debt restructurings described above increased the allowance for loan losses by $126 thousand and resulted in charge offs of $126 thousand during the year ended December 31, 2019.

			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 increased the allowance for loan losses by $66 thousand and resulted in charge offs of $66 thousand 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.

There was one residential real estate loan for $19 thousand for which there were payment defaults within twelve months following the modification of the troubled debt restructuring during the year ended December 31, 2019. The loan was not past due at December 31, 2019. There was no effect on the provision for loan losses as a result of this default during 2019. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms.

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.

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.

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, 2019	Pass		Special Mention		Sub standard		Total
Originated loans:
Commercial real estate
Owner occupied	$	177,540	$	5,357	$	1,026	$	183,923
Non-owner occupied		279,103		7,374		47		286,524
Farmland		136,674		1,457		384		138,515
Other		93,082		0		189		93,271
Commercial
Commercial and industrial		238,351		1,673		3,784		243,808
Agricultural		46,283		6		33		46,322
Total originated loans	$	971,033	$	15,867	$	5,463	$	992,363
Acquired loans:
Commercial real estate
Owner occupied	$	34,707	$	110	$	607	$	35,424
Non-owner occupied		10,246		54		119		10,419
Farmland		32,112		0		3,265		35,377
Other		5,891		0		69		5,960
Commercial
Commercial and industrial		10,570		0		1,080		11,650
Agricultural		5,617		317		113		6,047
Total acquired loans	$	99,143	$	481	$	5,253	$	104,877
Total loans	$	1,070,176	$	16,348	$	10,716	$	1,097,240

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

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, 2019	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
Originated loans:
Performing	$	322,554	$	91,291	$	171,037	$	27,358	$	9,478
Nonperforming		1,672		683		688		209		6
Total originated loans	$	324,226	$	91,974	$	171,725	$	27,567	$	9,484
Acquired loans:
Performing		62,611		19,397		0		5,893		154
Nonperforming		845		248		0		175		0
Total acquired loans	$	63,456	$	19,645	$	0	$	6,068	$	154
Total loans	$	387,682	$	111,619	$	171,725	$	33,635	$	9,638

	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