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v3.22.2.2

Credit Quality Indicators (Tables) | 9 Months Ended
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Sep. 30, 2022
Risks and Uncertainties [Abstract] |
Risk Category of Loans by Class of Loans | As of September 30, 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 |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 325,189 |  |  | $ | 1,218 |  |  | $ | 5,057 |  |  | $ | 331,464 |
Non-owner occupied |  |  | 527,305 |  |  |  | 21,273 |  |  |  | 19,053 |  |  |  | 567,631 |
Farmland |  |  | 182,106 |  |  |  | 0 |  |  |  | 2,562 |  |  |  | 184,668 |
Other |  |  | 127,834 |  |  |  | 0 |  |  |  | 351 |  |  |  | 128,185 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 291,988 |  |  |  | 879 |  |  |  | 4,555 |  |  |  | 297,422 |
Agricultural |  |  | 53,956 |  |  |  | 250 |  |  |  | 313 |  |  |  | 54,519 |
Total loans |  | $ | 1,508,378 |  |  | $ | 23,620 |  |  | $ | 31,891 |  |  | $ | 1,563,889 |
(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 September 30, 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 |
September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 469,893 |  |  | $ | 131,420 |  |  | $ | 204,415 |  |  | $ | 16,857 |  |  | $ | 8,480 |
Nonperforming |  |  | 3,594 |  |  |  | 876 |  |  |  | 352 |  |  |  | 205 |  |  |  | 0 |
Total loans |  | $ | 473,487 |  |  | $ | 132,296 |  |  | $ | 204,767 |  |  | $ | 17,062 |  |  | $ | 8,480 |
|  | 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 |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  |  |  |
As of September 30, 2022 |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Loans |  |  | Total |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 140,403 |  |  | $ | 171,271 |  |  | $ | 131,878 |  |  | $ | 150,987 |  |  | $ | 103,825 |  |  | $ | 264,766 |  |  | $ | 17,198 |  |  | $ | 980,328 |
Special mention |  |  | 0 |  |  |  | 749 |  |  |  | 1,877 |  |  |  | 5,340 |  |  |  | 2,604 |  |  |  | 11,413 |  |  |  | 508 |  |  |  | 22,491 |
Substandard |  |  | 0 |  |  |  | 0 |  |  |  | 270 |  |  |  | 2,447 |  |  |  | 0 |  |  |  | 21,077 |  |  |  | 667 |  |  |  | 24,461 |
Total commercial real estate loans |  | $ | 140,403 |  |  | $ | 172,020 |  |  | $ | 134,025 |  |  | $ | 158,774 |  |  | $ | 106,429 |  |  | $ | 297,256 |  |  | $ | 18,373 |  |  | $ | 1,027,280 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 85,050 |  |  | $ | 50,425 |  |  | $ | 37,834 |  |  | $ | 19,152 |  |  | $ | 15,502 |  |  | $ | 16,006 |  |  | $ | 68,019 |  |  | $ | 291,988 |
Special mention |  |  | 0 |  |  |  | 333 |  |  |  | 0 |  |  |  | 116 |  |  |  | 0 |  |  |  | 1 |  |  |  | 429 |  |  |  | 879 |
Substandard |  |  | 0 |  |  |  | 1,377 |  |  |  | 676 |  |  |  | 124 |  |  |  | 201 |  |  |  | 1,492 |  |  |  | 685 |  |  |  | 4,555 |
Total commercial loans |  | $ | 85,050 |  |  | $ | 52,135 |  |  | $ | 38,510 |  |  | $ | 19,392 |  |  | $ | 15,703 |  |  | $ | 17,499 |  |  | $ | 69,133 |  |  | $ | 297,422 |
Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 39,434 |  |  | $ | 38,169 |  |  | $ | 45,529 |  |  | $ | 24,802 |  |  | $ | 24,672 |  |  | $ | 46,716 |  |  | $ | 16,740 |  |  | $ | 236,062 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 250 |  |  |  | 250 |
Substandard |  |  | 0 |  |  |  | 355 |  |  |  | 236 |  |  |  | 78 |  |  |  | 0 |  |  |  | 2,076 |  |  |  | 130 |  |  |  | 2,875 |
Total agricultural loans |  | $ | 39,434 |  |  | $ | 38,524 |  |  | $ | 45,765 |  |  | $ | 24,880 |  |  | $ | 24,672 |  |  | $ | 48,792 |  |  | $ | 17,120 |  |  | $ | 239,187 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 69,471 |  |  | $ | 111,389 |  |  | $ | 77,984 |  |  | $ | 33,196 |  |  | $ | 23,947 |  |  | $ | 144,706 |  |  | $ | 3,984 |  |  | $ | 464,677 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 71 |  |  |  | 121 |  |  |  | 77 |  |  |  | 129 |  |  |  | 0 |  |  |  | 398 |
Substandard |  |  | 0 |  |  |  | 42 |  |  |  | 251 |  |  |  | 125 |  |  |  | 19 |  |  |  | 7,975 |  |  |  | 0 |  |  |  | 8,412 |
Total residential real estate loans |  | $ | 69,471 |  |  | $ | 111,431 |  |  | $ | 78,306 |  |  | $ | 33,442 |  |  | $ | 24,043 |  |  | $ | 152,810 |  |  | $ | 3,984 |  |  | $ | 473,487 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 17 |  |  | $ | 1,532 |  |  | $ | 128,345 |  |  | $ | 129,894 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 48 |  |  |  | 48 |
Substandard |  |  | 0 |  |  |  | 13 |  |  |  | 137 |  |  |  | 49 |  |  |  | 64 |  |  |  | 1,990 |  |  |  | 101 |  |  |  | 2,354 |
Total home equity lines of credit |  | $ | 0 |  |  | $ | 13 |  |  | $ | 137 |  |  | $ | 49 |  |  | $ | 81 |  |  | $ | 3,522 |  |  | $ | 128,494 |  |  | $ | 132,296 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 86,710 |  |  | $ | 50,580 |  |  | $ | 35,022 |  |  | $ | 23,530 |  |  | $ | 12,791 |  |  | $ | 12,744 |  |  | $ | 7,987 |  |  | $ | 229,364 |
Substandard |  |  | 61 |  |  |  | 138 |  |  |  | 269 |  |  |  | 177 |  |  |  | 84 |  |  |  | 216 |  |  |  | 0 |  |  |  | 945 |
Total consumer loans |  | $ | 86,771 |  |  | $ | 50,718 |  |  | $ | 35,291 |  |  | $ | 23,707 |  |  | $ | 12,875 |  |  | $ | 12,960 |  |  | $ | 7,987 |  |  | $ | 230,309 |
Schedule of Outstanding Balance and Related Allowance on Loans | The outstanding balance at September 30, 2022 and related allowance on these loans is as follows:
|  | Loan Balance |  |  | ACL Balance |
Commercial real estate |  |  |  |  |  |
Owner Occupied |  | $ | 1,601 |  |  | $ | 17 |
Non-owner Occupied |  |  | 19,518 |  |  |  | 545 |
Other |  |  | 254 |  |  |  | 18 |
|  |  | 21,373 |  |  |  | 580 |
Commercial |  |  |  |  |  |
Commercial and industrial |  |  | 1,655 |  |  |  | 107 |
Residential real estate |  |  |  |  |  |
1-4 family residential |  |  | 470 |  |  |  | 3 |
Total |  | $ | 23,498 |  |  | $ | 690 |

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