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Credit Quality Indicators (Tables)

3 Months Ended

Mar. 31, 2022

Risks And Uncertainties [Abstract]

Risk Category of Loans by Class of Loans

As of March 31, 2022 and December 31, 2021, 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, 2022
Commercial real estate
Owner occupied		$	338,256			$	4,430			$	4,096			$	346,782
Non-owner occupied			506,509				14,708				18,418				539,635
Farmland			170,456				2,145				670				173,271
Other			112,473				499				375				113,347
Commercial
Commercial and industrial			289,651				1,308				7,590				298,549
Agricultural			50,936				507				86				51,529
Total loans		$	1,468,281			$	23,597			$	31,235			$	1,523,113

(In Thousands of Dollars)		Pass				Special Mention				Sub standard				Total
December 31, 2021
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

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, 2022 and December 31, 2021.  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, 2022
Performing		$	451,151			$	127,315			$	172,843			$	18,719			$	6,580
Nonperforming			3,611				928				508				203				0
Total loans		$	454,762			$	128,243			$	173,351			$	18,922			$	6,580

		Residential Real Estate								Consumer
(In Thousands of Dollars)		1-4 Family Residential				Home Equity Lines of Credit				Indirect				Direct				Other
December 31, 2021
Performing		$	448,970			$	126,497			$	164,182			$	20,908			$	9,395
Nonperforming			3,822				953				578				280				6
Total loans		$	452,792			$	127,450			$	164,760			$	21,188			$	9,401

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 March 31, 2022		2022				2021				2020				2019				2018				Prior				Revolving Loans				Total
Commercial real estate
Risk Rating
Pass		$	34,484			$	170,585			$	141,201			$	163,632			$	114,598			$	314,075			$	18,663			$	957,238
Special mention			0				788				0				6,924				2,020				9,387				518				19,637
Substandard			40				0				661				2,648				492				18,441				607				22,889
Total commercial real estate loans		$	34,524			$	171,373			$	141,862			$	173,204			$	117,110			$	341,903			$	19,788			$	999,764
Commercial
Risk Rating
Pass		$	28,559			$	80,860			$	46,807			$	25,005			$	20,084			$	24,321			$	64,015			$	289,651
Special mention			0				533				103				122				31				2				517				1,308
Substandard			399				1,984				1,676				265				257				1,890				1,119				7,590
Total commercial loans		$	28,958			$	83,377			$	48,586			$	25,392			$	20,372			$	26,213			$	65,651			$	298,549
Agricultural
Risk Rating
Pass		$	9,435			$	42,324			$	49,368			$	27,039			$	27,002			$	51,111			$	15,113			$	221,392
Special mention			0				0				227				31				0				2,045				349				2,652
Substandard			0				365				17				58				11				275				30				756
Total agricultural loans		$	9,435			$	42,689			$	49,612			$	27,128			$	27,013			$	53,431			$	15,492			$	224,800
Residential real estate
Risk Rating
Pass		$	19,699			$	102,254			$	86,118			$	36,861			$	29,617			$	167,930			$	3,706			$	446,185
Special mention			0				0				73				127				80				139				0				419
Substandard			0				46				100				89				30				7,893				0				8,158
Total residential real estate loans		$	19,699			$	102,300			$	86,291			$	37,077			$	29,727			$	175,962			$	3,706			$	454,762
Home equity lines of credit
Risk Rating
Pass		$	0			$	0			$	149			$	0			$	19			$	1,744			$	124,320			$	126,232
Special mention			0				0				0				0				0				0				48				48
Substandard			0				13				12				51				143				1,626				118				1,963
Total home equity lines of credit		$	0			$	13			$	161			$	51			$	162			$	3,370			$	124,486			$	128,243
Consumer
Risk Rating
Pass		$	24,827			$	58,540			$	42,425			$	30,910			$	18,087			$	17,561			$	5,408			$	197,758
Substandard			0				120				261				253				102				359				0				1,095
Total consumer loans		$	24,827			$	58,660			$	42,686			$	31,163			$	18,189			$	17,920			$	5,408			$	198,853

Schedule of Outstanding Balance and Related Allowance on Loans

The outstanding balance at March 31, 2022 and related allowance on these loans is as follows:

		Loan Balance				ACL Balance
Commercial real estate
Owner Occupied		$	2,531			$	82
Non-owner Occupied			20,017				890
Other			780				36
			23,328				1,008
Commercial
Commercial and industrial			1,775				106
Residential real estate
1-4 family residential			500				4
Total		$	25,603			$	1,118

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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.

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Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
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