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Loans (Tables) | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Schedule of Loan by Class | Acquired loans were transferred and are included in originated loans during 2021. This is to align with the calculation of the allowance for credit losses being used under the CECL model. Loans by class at year end were as follows:
|  | 2021 |  |  | 2020 |
Originated loans: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 340,369 |  |  | $ | 215,187 |
Non-owner occupied |  |  | 533,240 |  |  |  | 309,777 |
Farmland |  |  |  |  | 177,706 |  |  |  | 156,277 |
Other |  |  | 138,282 |  |  |  | 78,140 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | 313,836 |  |  |  | 385,831 |
Agricultural |  |  |  |  | 54,659 |  |  |  | 44,922 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 453,635 |  |  |  | 324,723 |
Home equity lines of credit |  |  | 127,433 |  |  |  | 92,968 |
Consumer |  |  |  |  |  |  |  |
Indirect |  |  | 159,006 |  |  |  | 164,620 |
Direct |  |  | 21,121 |  |  |  | 23,348 |
Other |  |  | 9,395 |  |  |  | 9,868 |
Total originated loans |  | $ | 2,328,682 |  |  | $ | 1,805,661 |
Acquired loans: |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 45,101 |
Non-owner occupied |  |  | 0 |  |  |  | 52,863 |
Farmland |  |  |  |  | 0 |  |  |  | 26,080 |
Other |  |  | 0 |  |  |  | 12,868 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  |  |  | 0 |  |  |  | 18,662 |
Agricultural |  |  |  |  | 0 |  |  |  | 4,850 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 0 |  |  |  | 89,118 |
Home equity lines of credit |  |  | 0 |  |  |  | 17,383 |
Consumer |  |  |  |  |  |  |  |
Direct |  |  | 0 |  |  |  | 5,128 |
Other |  |  | 0 |  |  |  | 97 |
Total acquired loans |  |  | 0 |  |  |  | 272,150 |
Net deferred loan (fees) costs |  |  | 2,400 |  |  |  | 233 |
Allowance for credit losses |  |  | (29,386 | ) |  |  | (22,144 | )
Net loans |  | $ | 2,301,696 |  |  | $ | 2,055,900 |
Activity in the Allowance for Loan Losses by Portfolio Segment | The following tables present the activity in the allowance for credit losses by portfolio segment for year ended December 31, 2021, and the activity in the allowance for loan losses by portfolio segment for the years ended December 31, 2020 and 2019:
December 31, 2021 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,746 |  |  | $ | 5,018 |  |  | $ | 3,687 |  |  | $ | 2,693 |  |  | $ | 22,144 |
Impact of CECL adoption |  |  | (2,137 | ) |  |  | 259 |  |  |  | 193 |  |  |  | 3,845 |  |  |  | 2,160 |
Provision for credit losses |  |  | 6,226 |  |  |  | (349 | ) |  |  | 1,121 |  |  |  | (2,349 | ) |  |  | 4,649 |
PCD ACL on loans acquired |  |  | 1,081 |  |  |  | 210 |  |  |  | 4 |  |  |  | 0 |  |  |  | 1,295 |
Loans charged off |  |  | (70 | ) |  |  | (388 | ) |  |  | (297 | ) |  |  | (912 | ) |  |  | (1,667 | )
Recoveries |  |  | 33 |  |  |  | 199 |  |  |  | 162 |  |  |  | 411 |  |  |  | 805 |
Total ending allowance balance |  | $ | 15,879 |  |  | $ | 4,949 |  |  | $ | 4,870 |  |  | $ | 3,688 |  |  | $ | 29,386 |
December 31, 2020 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 6,127 |  |  | $ | 2,443 |  |  | $ | 3,032 |  |  | $ | 2,885 |  |  | $ | 14,487 |
Provision for loan losses |  |  | 4,710 |  |  |  | 2,976 |  |  |  | 742 |  |  |  | 672 |  |  |  | 9,100 |
Loans charged off |  |  | (122 | ) |  |  | (412 | ) |  |  | (172 | ) |  |  | (1,347 | ) |  |  | (2,053 | )
Recoveries |  |  | 31 |  |  |  | 11 |  |  |  | 85 |  |  |  | 483 |  |  |  | 610 |
Total ending allowance balance |  | $ | 10,746 |  |  | $ | 5,018 |  |  | $ | 3,687 |  |  | $ | 2,693 |  |  | $ | 22,144 |
December 31, 2019 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 5,294 |  |  | $ | 2,200 |  |  | $ | 2,982 |  |  | $ | 3,116 |  |  | $ | 13,592 |
Provision for loan losses |  |  | 874 |  |  |  | 430 |  |  |  | 392 |  |  |  | 754 |  |  |  | 2,450 |
Loans charged off |  |  | (45 | ) |  |  | (200 | ) |  |  | (400 | ) |  |  | (1,702 | ) |  |  | (2,347 | )
Recoveries |  |  | 4 |  |  |  | 13 |  |  |  | 58 |  |  |  | 717 |  |  |  | 792 |
Total ending allowance balance |  | $ | 6,127 |  |  | $ | 2,443 |  |  | $ | 3,032 |  |  | $ | 2,885 |  |  | $ | 14,487 |
Schedule of Investment in Nonaccrual and Loans Past Due 90 Days or More Still on Accrual by Class of 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, 2021 and 2020:
|  | 2021 |  |  | 2020 |
|  | 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 |  | $ | 433 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 335 |
Non-owner occupied |  |  | 2,511 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Farmland |  |  | 274 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Other |  |  | 60 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 7,190 |  |  |  | 54 |  |  |  | 3,312 |  |  |  | 22 |
Agricultural |  |  | 40 |  |  |  | 0 |  |  |  | 205 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3,363 |  |  |  | 459 |  |  |  | 866 |  |  |  | 223 |
Home equity lines of credit |  |  | 917 |  |  |  | 36 |  |  |  | 603 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 455 |  |  |  | 123 |  |  |  | 648 |  |  |  | 64 |
Direct |  |  | 227 |  |  |  | 53 |  |  |  | 157 |  |  |  | 111 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 1 |  |  |  | 5 |
Total originated loans |  | $ | 15,470 |  |  | $ | 725 |  |  | $ | 5,792 |  |  | $ | 760 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 27 |  |  | $ | 0 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 362 |  |  |  | 0 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 471 |  |  |  | 95 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 0 |  |  |  | 0 |  |  |  | 477 |  |  |  | 0 |
Agricultural |  |  | 0 |  |  |  | 0 |  |  |  | 4 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 0 |  |  |  | 0 |  |  |  | 4,128 |  |  |  | 1,469 |
Home equity lines of credit |  |  | 0 |  |  |  | 0 |  |  |  | 186 |  |  |  | 0 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 0 |  |  |  | 0 |  |  |  | 58 |  |  |  | 6 |
Total acquired loans |  | $ | 0 |  |  | $ | 0 |  |  | $ | 5,713 |  |  | $ | 1,570 |
Total loans |  | $ | 15,470 |  |  | $ | 725 |  |  | $ | 11,505 |  |  | $ | 2,330 |
Schedule of Investment in Past Due Loans | The following tables present the aging of the recorded investment in past due loans as of December 31, 2021 and 2020 by class of loans. Note that loans on a current modification to defer payments under the CARES Act are included in loans not past due.
December 31, 2021 |  | 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 |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 70 |  |  | $ | 591 |  |  | $ | 433 |  |  | $ | 1,094 |  |  | $ | 338,880 |  |  | $ | 339,974 |
Non-owner occupied |  |  | 394 |  |  |  | 311 |  |  |  | 2,511 |  |  |  | 3,216 |  |  |  | 529,490 |  |  |  | 532,706 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 274 |  |  |  | 274 |  |  |  | 177,143 |  |  |  | 177,417 |
Other |  |  | 56 |  |  |  | 0 |  |  |  | 60 |  |  |  | 116 |  |  |  | 137,878 |  |  |  | 137,994 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 256 |  |  |  | 100 |  |  |  | 7,244 |  |  |  | 7,600 |  |  |  | 304,932 |  |  |  | 312,532 |
Agricultural |  |  | 100 |  |  |  | 28 |  |  |  | 40 |  |  |  | 168 |  |  |  | 54,706 |  |  |  | 54,874 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 4,452 |  |  |  | 1,077 |  |  |  | 3,822 |  |  |  | 9,351 |  |  |  | 443,441 |  |  |  | 452,792 |
Home equity lines of credit |  |  | 80 |  |  |  | 12 |  |  |  | 953 |  |  |  | 1,045 |  |  |  | 126,405 |  |  |  | 127,450 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 795 |  |  |  | 275 |  |  |  | 578 |  |  |  | 1,648 |  |  |  | 163,112 |  |  |  | 164,760 |
Direct |  |  | 203 |  |  |  | 91 |  |  |  | 280 |  |  |  | 574 |  |  |  | 20,614 |  |  |  | 21,188 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 9,395 |  |  |  | 9,395 |
Total loans |  | $ | 6,406 |  |  | $ | 2,485 |  |  | $ | 16,195 |  |  | $ | 25,086 |  |  | $ | 2,305,996 |  |  | $ | 2,331,082 |
December 31, 2020 |  | 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 |  | $ | 0 |  |  | $ | 0 |  |  | $ | 335 |  |  | $ | 335 |  |  | $ | 214,460 |  |  | $ | 214,795 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 309,216 |  |  |  | 309,216 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 156,053 |  |  |  | 156,053 |
Other |  |  | 261 |  |  |  | 0 |  |  |  | 0 |  |  |  | 261 |  |  |  | 77,725 |  |  |  | 77,986 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 356 |  |  |  | 61 |  |  |  | 3,334 |  |  |  | 3,751 |  |  |  | 378,594 |  |  |  | 382,345 |
Agricultural |  |  | 45 |  |  |  | 255 |  |  |  | 205 |  |  |  | 505 |  |  |  | 44,555 |  |  |  | 45,060 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,668 |  |  |  | 974 |  |  |  | 1,089 |  |  |  | 3,731 |  |  |  | 320,129 |  |  |  | 323,860 |
Home equity lines of credit |  |  | 419 |  |  |  | 0 |  |  |  | 603 |  |  |  | 1,022 |  |  |  | 91,957 |  |  |  | 92,979 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1,046 |  |  |  | 285 |  |  |  | 712 |  |  |  | 2,043 |  |  |  | 168,245 |  |  |  | 170,288 |
Direct |  |  | 284 |  |  |  | 120 |  |  |  | 268 |  |  |  | 672 |  |  |  | 22,789 |  |  |  | 23,461 |
Other |  |  | 24 |  |  |  | 22 |  |  |  | 6 |  |  |  | 52 |  |  |  | 9,816 |  |  |  | 9,868 |
Total originated loans: |  | $ | 4,103 |  |  | $ | 1,717 |  |  | $ | 6,552 |  |  | $ | 12,372 |  |  | $ | 1,793,539 |  |  | $ | 1,805,911 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 0 |  |  | $ | 0 |  |  | $ | 27 |  |  | $ | 27 |  |  | $ | 45,072 |  |  |  | 45,099 |
Non-owner occupied |  |  | 197 |  |  |  | 0 |  |  |  | 362 |  |  |  | 559 |  |  |  | 52,295 |  |  |  | 52,854 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 566 |  |  |  | 566 |  |  |  | 25,513 |  |  |  | 26,079 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,868 |  |  |  | 12,868 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 19 |  |  |  | 390 |  |  |  | 477 |  |  |  | 886 |  |  |  | 17,772 |  |  |  | 18,658 |
Agricultural |  |  | 4 |  |  |  | 0 |  |  |  | 4 |  |  |  | 8 |  |  |  | 4,841 |  |  |  | 4,849 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 1,954 |  |  |  | 821 |  |  |  | 5,597 |  |  |  | 8,372 |  |  |  | 80,745 |  |  |  | 89,117 |
Home equity lines of credit |  |  | 23 |  |  |  | 0 |  |  |  | 186 |  |  |  | 209 |  |  |  | 17,175 |  |  |  | 17,384 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Direct |  |  | 20 |  |  |  | 49 |  |  |  | 64 |  |  |  | 133 |  |  |  | 4,995 |  |  |  | 5,128 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 97 |  |  |  | 97 |
Total acquired loans |  | $ | 2,217 |  |  | $ | 1,260 |  |  | $ | 7,283 |  |  | $ | 10,760 |  |  | $ | 261,373 |  |  | $ | 272,133 |
Total loans |  | $ | 6,320 |  |  | $ | 2,977 |  |  | $ | 13,835 |  |  | $ | 23,132 |  |  | $ | 2,054,912 |  |  | $ | 2,078,044 |
Schedule of Loans By Class Modified as Troubled Debt Restructurings | The following tables present loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2021, 2020 and 2019:
|  |  |  |  |  | Pre- Modification |  |  | Post- Modification |
December 31, 2021 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
Troubled Debt Restructurings: |  | Loans |  |  | Investment |  |  | Investment |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 4 |  |  |  | 22 |  |  |  | 22 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 11 |  |  |  | 636 |  |  |  | 624 |
Home equity lines of credit |  |  | 7 |  |  |  | 264 |  |  |  | 264 |
Indirect |  |  | 13 |  |  |  | 124 |  |  |  | 124 |
Consumer |  |  | 4 |  |  |  | 17 |  |  |  | 17 |
Total loans |  |  | 39 |  |  | $ | 1,063 |  |  | $ | 1,051 |
|  |  |  |  |  | Pre- Modification |  |  | Post- Modification |
December 31, 2020 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
Troubled Debt Restructurings: |  | Loans |  |  | Investment |  |  | Investment |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 1 |  |  | $ | 21 |  |  | $ | 21 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 7 |  |  |  | 261 |  |  |  | 262 |
Home equity lines of credit |  |  | 4 |  |  |  | 100 |  |  |  | 102 |
Indirect |  |  | 29 |  |  |  | 182 |  |  |  | 182 |
Consumer |  |  | 1 |  |  |  | 15 |  |  |  | 15 |
Total originated loans |  |  | 42 |  |  | $ | 579 |  |  | $ | 582 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 3 |  |  |  | 140 |  |  |  | 144 |
Total acquired loans |  |  | 3 |  |  | $ | 140 |  |  | $ | 144 |
Total loans |  |  | 45 |  |  | $ | 719 |  |  | $ | 726 |
|  |  |  |  |  | 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 |  |  |  |  |  |  |  |  |  |  | 181 |
1-4 family residential |  |  | 6 |  |  |  | 178 |  |  |  | 94 |
Home equity lines of credit |  |  | 3 |  |  |  | 90 |  |  |  | 337 |
Indirect |  |  | 39 |  |  |  | 337 |  |  |  | 46 |
Consumer |  |  | 2 |  |  |  | 46 |  |  |  | 0 |
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 |
Risk Category of Loans by Class of Loans | Based on the most recent analysis performed, the risk category of loans by class of loans is as follows:
December 31, 2021 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Total |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 330,754 |  |  | $ | 5,006 |  |  | $ | 4,214 |  |  | $ | 339,974 |
Non-owner occupied |  |  | 495,170 |  |  |  | 19,366 |  |  |  | 18,170 |  |  |  | 532,706 |
Farmland |  |  | 174,580 |  |  |  | 2,160 |  |  |  | 677 |  |  |  | 177,417 |
Other |  |  | 137,063 |  |  |  | 784 |  |  |  | 147 |  |  |  | 137,994 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 301,879 |  |  |  | 1,190 |  |  |  | 9,463 |  |  |  | 312,532 |
Agricultural |  |  | 54,394 |  |  |  | 397 |  |  |  | 83 |  |  |  | 54,874 |
Total loans |  | $ | 1,493,840 |  |  | $ | 28,903 |  |  | $ | 32,754 |  |  | $ | 1,555,497 |
December 31, 2020 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Total |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 208,289 |  |  | $ | 5,121 |  |  | $ | 1,385 |  |  | $ | 214,795 |
Non-owner occupied |  |  | 290,773 |  |  |  | 11,240 |  |  |  | 7,203 |  |  |  | 309,216 |
Farmland |  |  | 153,225 |  |  |  | 2,464 |  |  |  | 364 |  |  |  | 156,053 |
Other |  |  | 77,432 |  |  |  | 387 |  |  |  | 167 |  |  |  | 77,986 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 372,083 |  |  |  | 1,522 |  |  |  | 8,740 |  |  |  | 382,345 |
Agricultural |  |  | 44,527 |  |  |  | 320 |  |  |  | 213 |  |  |  | 45,060 |
Total originated loans |  | $ | 1,146,329 |  |  | $ | 21,054 |  |  | $ | 18,072 |  |  | $ | 1,185,455 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 44,031 |  |  | $ | 87 |  |  | $ | 981 |  |  | $ | 45,099 |
Non-owner occupied |  |  | 50,053 |  |  |  | 49 |  |  |  | 2,752 |  |  |  | 52,854 |
Farmland |  |  | 24,637 |  |  |  | 100 |  |  |  | 1,342 |  |  |  | 26,079 |
Other |  |  | 12,868 |  |  |  | 0 |  |  |  | 0 |  |  |  | 12,868 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 16,246 |  |  |  | 0 |  |  |  | 2,412 |  |  |  | 18,658 |
Agricultural |  |  | 4,481 |  |  |  | 303 |  |  |  | 65 |  |  |  | 4,849 |
Total acquired loans |  | $ | 152,316 |  |  | $ | 539 |  |  | $ | 7,552 |  |  | $ | 160,407 |
Total loans |  | $ | 1,298,645 |  |  | $ | 21,593 |  |  | $ | 25,624 |  |  | $ | 1,345,862 |
Investment in Residential, Consumer and Indirect Auto Loans Based on 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, 2021 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
Performing |  | $ | 448,970 |  |  | $ | 126,497 |  |  | $ | 164,182 |  |  | $ | 20,908 |  |  | $ | 9,395 |
Nonperforming |  |  | 3,822 |  |  |  | 953 |  |  |  | 578 |  |  |  | 280 |  |  |  | 0 |
Total loans |  | $ | 452,792 |  |  | $ | 127,450 |  |  | $ | 164,760 |  |  | $ | 21,188 |  |  | $ | 9,395 |
|  | Residential Real Estate |  |  | Consumer |
December 31, 2020 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 322,771 |  |  | $ | 92,376 |  |  | $ | 169,576 |  |  | $ | 23,193 |  |  | $ | 9,862 |
Nonperforming |  |  | 1,089 |  |  |  | 603 |  |  |  | 712 |  |  |  | 268 |  |  |  | 6 |
Total originated loans |  | $ | 323,860 |  |  | $ | 92,979 |  |  | $ | 170,288 |  |  | $ | 23,461 |  |  | $ | 9,868 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  | 83,520 |  |  |  | 17,198 |  |  |  | 0 |  |  |  | 5,064 |  |  |  | 97 |
Nonperforming |  |  | 5,597 |  |  |  | 186 |  |  |  | 0 |  |  |  | 64 |  |  |  | 0 |
Total acquired loans |  | $ | 89,117 |  |  | $ | 17,384 |  |  | $ | 0 |  |  | $ | 5,128 |  |  | $ | 97 |
Total loans |  | $ | 412,977 |  |  | $ | 110,363 |  |  | $ | 170,288 |  |  | $ | 28,589 |  |  | $ | 9,965 |
Risk Categories and Year of Origination | The following table presents total loans by risk categories and year of origination.
|  | Term Loans Amortized Cost Basis by Origination Year |
As of December 31 |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 177,091 |  |  | $ | 143,421 |  |  | $ | 169,670 |  |  | $ | 121,520 |  |  | $ | 107,577 |  |  | $ | 221,235 |  |  | $ | 22,473 |  |  | $ | 962,987 |
Special mention |  |  | 1,017 |  |  |  | 0 |  |  |  | 7,140 |  |  |  | 6,755 |  |  |  | 3,298 |  |  |  | 6,946 |  |  |  | 0 |  |  |  | 25,156 |
Substandard |  |  | 0 |  |  |  | 721 |  |  |  | 2,664 |  |  |  | 498 |  |  |  | 3,321 |  |  |  | 14,721 |  |  |  | 606 |  |  |  | 22,531 |
Total commercial real estate loans |  | $ | 178,108 |  |  | $ | 144,142 |  |  | $ | 179,474 |  |  | $ | 128,773 |  |  | $ | 114,196 |  |  | $ | 242,902 |  |  | $ | 23,079 |  |  | $ | 1,010,674 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 96,395 |  |  | $ | 53,766 |  |  | $ | 28,669 |  |  | $ | 21,617 |  |  | $ | 12,735 |  |  | $ | 18,036 |  |  | $ | 70,661 |  |  | $ | 301,879 |
Special mention |  |  | 572 |  |  |  | 105 |  |  |  | 108 |  |  |  | 278 |  |  |  | 3 |  |  |  | 0 |  |  |  | 124 |  |  |  | 1,190 |
Substandard |  |  | 3,053 |  |  |  | 1,676 |  |  |  | 312 |  |  |  | 276 |  |  |  | 695 |  |  |  | 2,155 |  |  |  | 1,296 |  |  |  | 9,463 |
Total commercial loans |  | $ | 100,020 |  |  | $ | 55,547 |  |  | $ | 29,089 |  |  | $ | 22,171 |  |  | $ | 13,433 |  |  | $ | 20,191 |  |  | $ | 72,081 |  |  | $ | 312,532 |
Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 45,015 |  |  | $ | 51,913 |  |  | $ | 28,652 |  |  | $ | 29,372 |  |  | $ | 19,032 |  |  | $ | 34,069 |  |  | $ | 20,921 |  |  | $ | 228,974 |
Special mention |  |  | 0 |  |  |  | 233 |  |  |  | 32 |  |  |  | 0 |  |  |  | 2,060 |  |  |  | 0 |  |  |  | 231 |  |  |  | 2,556 |
Substandard |  |  | 353 |  |  |  | 19 |  |  |  | 62 |  |  |  | 20 |  |  |  | 0 |  |  |  | 277 |  |  |  | 30 |  |  |  | 761 |
Total agricultural loans |  | $ | 45,368 |  |  | $ | 52,165 |  |  | $ | 28,746 |  |  | $ | 29,392 |  |  | $ | 21,092 |  |  | $ | 34,346 |  |  | $ | 21,182 |  |  | $ | 232,291 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 96,660 |  |  | $ | 93,853 |  |  | $ | 39,591 |  |  | $ | 32,227 |  |  | $ | 42,420 |  |  | $ | 135,887 |  |  | $ | 3,475 |  |  | $ | 444,113 |
Special mention |  |  | 0 |  |  |  | 74 |  |  |  | 134 |  |  |  | 82 |  |  |  | 95 |  |  |  | 48 |  |  |  | 0 |  |  |  | 433 |
Substandard |  |  | 48 |  |  |  | 0 |  |  |  | 111 |  |  |  | 28 |  |  |  | 380 |  |  |  | 7,679 |  |  |  | 0 |  |  |  | 8,246 |
Total residential real estate loans |  | $ | 96,708 |  |  | $ | 93,927 |  |  | $ | 39,836 |  |  | $ | 32,337 |  |  | $ | 42,895 |  |  | $ | 143,614 |  |  | $ | 3,475 |  |  | $ | 452,792 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 820 |  |  | $ | 959 |  |  | $ | 233 |  |  | $ | 468 |  |  | $ | 752 |  |  | $ | 2,765 |  |  | $ | 119,430 |  |  | $ | 125,427 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 48 |  |  |  | 48 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 20 |  |  |  | 142 |  |  |  | 74 |  |  |  | 1,590 |  |  |  | 149 |  |  |  | 1,975 |
Total home equity lines of credit |  | $ | 820 |  |  | $ | 959 |  |  | $ | 253 |  |  | $ | 610 |  |  | $ | 826 |  |  | $ | 4,355 |  |  | $ | 119,627 |  |  | $ | 127,450 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 61,704 |  |  | $ | 46,501 |  |  | $ | 35,581 |  |  | $ | 21,184 |  |  | $ | 9,532 |  |  | $ | 11,504 |  |  | $ | 8,099 |  |  | $ | 194,105 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 105 |  |  |  | 224 |  |  |  | 294 |  |  |  | 106 |  |  |  | 146 |  |  |  | 363 |  |  |  | 0 |  |  |  | 1,238 |
Total consumer loans |  | $ | 61,809 |  |  | $ | 46,725 |  |  | $ | 35,875 |  |  | $ | 21,290 |  |  | $ | 9,678 |  |  | $ | 11,867 |  |  | $ | 8,099 |  |  | $ | 195,343 |
Summary of Loan Pools and Methodology Used in Calculation of Allowance for Credit Losses | The following table presents the loan pools and the associated methodology used during the calculation of the allowance for credit losses in 2021.
Portfolio Segments |  | Loan Pool |  | Methodology |  | Loss Drivers
Residential real estate |  | 1-4 Family Residential Real Estate - 1st Liens |  | Cohort |  | Credit Loss History
|  | 1-4 Family Residential Real Estate - 2nd Liens |  | Cohort |  | Credit Loss History
Home Equity Lines of Credit |  | Home Equity Lines of Credit |  | Cohort |  | Credit Loss History
Consumer Finance |  | Cash Reserves |  | Cohort |  | Credit Loss History
|  | Direct |  | Cohort |  | Credit Loss History
|  | Indirect |  | Cohort |  | Credit Loss History
Commercial |  | Commercial and Industrial |  | PD/LGD |  | Credit Loss History
|  | Agricultural |  | PD/LGD |  | Credit Loss History
|  | Municipal |  | PD/LGD |  | Credit Loss History
Commercial real estate |  | Owner Occupied |  | PD/LGD |  | Credit Loss History
|  | Non-Owner Occupied |  | PD/LGD |  | Credit Loss History
|  | Multifamily |  | PD/LGD |  | Credit Loss History
|  | Farmland |  | PD/LGD |  | Credit Loss History
|  | Construction |  | PD/LGD |  | Credit Loss History
Schedule of Par Value of Purchased Loans | Par value of purchased loans was as follows (in thousands):
|  | 2021 |
Par value of acquired loans at acquisition |  | $ | 483,666 |
Net purchase discount |  |  | (4,207 | )
Allowance for credit losses of PCD loans |  |  | (1,295 | )
Fair value of loans at acquisition |  | $ | 478,164 |
Schedule of Outstanding Balance and Related Allowance on Loans | The outstanding balance at December 31, 2021 and related allowance on these loans is as follows (in thousands):
|  | Loan Balance |  |  | ACL Balance |
Commercial real estate |  |  |  |  |  |  |  |
Owner Occupied |  | $ | 3,066 |  |  | $ | 89 |
Non-owner Occupied |  |  | 24,694 |  |  |  | 804 |
Other |  |  | 788 |  |  |  | 3 |
|  |  | 28,548 |  |  |  | 896 |
Commercial |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2,911 |  |  |  | 196 |
Residential real estate |  |  |  |  |  |  |  |
1-4 family residential |  |  | 505 |  |  |  | 4 |
Total |  | $ | 31,964 |  |  | $ | 1,096 |

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