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Loans (Tables)

3 Months Ended

Mar. 31, 2022

Receivables [Abstract]

Schedule of Loan Balances

Loan balances were as follows:

(In Thousands of Dollars)		March 31, 2022				December 31, 2021
Commercial real estate
Owner occupied		$	347,173			$	340,369
Non-owner occupied			540,194				533,240
Farmland			173,568				177,706
Other			113,605				138,282
Commercial
Commercial and industrial			298,903				313,836
Agricultural			51,277				54,659
Residential real estate
1-4 family residential			455,501				453,635
Home equity lines of credit			128,221				127,433
Consumer
Indirect			167,147				159,006
Direct			18,859				21,121
Other			6,580				9,395
Total originated loans		$	2,301,028			$	2,328,682
Net Deferred loan (fees) costs			3,943				2,400
Allowance for credit losses			(27,015	)			(29,386	)
Net loans		$	2,277,956			$	2,301,696

Activity in the Allowance for Loan Losses by Portfolio Segment

Allowance for credit loss activity

The following tables present the activity in the allowance for credit losses by portfolio segment for the three month period ended March 31, 2022 and 2021:

Three Months Ended March 31, 2022

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	15,879			$	4,949			$	4,870			$	3,688			$	29,386
Provision for credit losses			(672	)			271				(146	)			(383	)			(930	)
Loans charged off			0				(1,359	)			(34	)			(197	)			(1,590	)
Recoveries			0				6				12				131				149
Total ending allowance balance		$	15,207			$	3,867			$	4,702			$	3,239			$	27,015

Three Months Ended March 31, 2021

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	10,824			$	5,073			$	3,643			$	2,604			$	22,144
Impact of CECL adoption			(2,076	)			429				237				3,860				2,450
Provision for credit losses			96				(25	)			89				265				425
Loans charged off			0				(34	)			(67	)			(183	)			(284	)
Recoveries			0				7				59				134				200
Total ending allowance balance		$	8,844			$	5,450			$	3,961			$	6,680			$	24,935

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 March 31, 2022 and December 31, 2021:

		March 31, 2022								December 31, 2021
(In Thousands of Dollars)		Nonaccrual				Loans Past Due 90 Days or More Still Accruing				Nonaccrual				Loans Past Due 90 Days or More Still Accruing
Commercial real estate
Owner occupied		$	416			$	0			$	433			$	0
Non-owner occupied			2,477				0				2,511				0
Farmland			271				0				274				0
Other			53				0				60				0
Commercial
Commercial and industrial			5,534				2				7,190				54
Agricultural			43				0				40				0
Residential real estate
1-4 family residential			2,940				671				3,363				459
Home equity lines of credit			928				0				917				36
Consumer
Indirect			456				52				455				123
Direct			180				23				227				53
Other			0				0				0				0
Total loans		$	13,298			$	748			$	15,470			$	725

Schedule of Investment in Past Due Loans

The following tables present the aging of the recorded investment in past due loans as of March 31, 2022 and December 31, 2021 by class of loans.  Note that loans on a modification to defer payments under the CARES Act are included in loans not past due for the period ending December 31, 2021.  There were no loans on deferred payments at March 31, 2022.

(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, 2022
Commercial real estate
Owner occupied		$	68			$	0			$	416			$	484			$	346,298			$	346,782
Non-owner occupied			1				0				2,477				2,478				537,157				539,635
Farmland			0				0				271				271				173,000				173,271
Other			0				0				53				53				113,294				113,347
Commercial
Commercial and industrial			185				5				5,536				5,726				292,823				298,549
Agricultural			137				53				43				233				51,296				51,529
Residential real estate
1-4 family residential			5,583				71				3,611				9,265				445,497				454,762
Home equity lines of credit			138				23				928				1,089				127,154				128,243
Consumer
Indirect			479				268				508				1,255				172,096				173,351
Direct			242				50				203				495				18,427				18,922
Other			1				0				0				1				6,579				6,580
Total loans		$	6,834			$	470			$	14,046			$	21,350			$	2,283,621			$	2,304,971

(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, 2021
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

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