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Credit Quality Indicators (Tables)

9 Months Ended

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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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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-URI https://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447

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-Name Accounting Standards Codification
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