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Loans (Tables) | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Schedule of Loan by Class |
|  | 2022 |  |  | 2021 |
(In Thousands of Dollars) |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |
Owner occupied |  | $ | 330,768 |  |  | $ | 340,369 |
Non-owner occupied |  |  | 563,652 |  |  |  | 533,240 |
Farmland |  |  |  |  | 188,850 |  |  |  | 177,706 |
Other |  |  | 133,630 |  |  |  | 138,282 |
Commercial |  |  |  |  |  |
Commercial and industrial |  |  | 293,643 |  |  |  | 313,836 |
Agricultural |  |  | 58,087 |  |  |  | 54,659 |
Residential real estate |  |  |  |  |  |
1-4 family residential |  |  | 475,791 |  |  |  | 453,635 |
Home equity lines of credit |  |  | 132,179 |  |  |  | 127,433 |
Consumer |  |  |  |  |  |
Indirect |  |  | 197,125 |  |  |  | 159,006 |
Direct |  |  | 16,421 |  |  |  | 21,121 |
Other |  |  | 7,714 |  |  |  | 9,395 |
Total originated loans |  | $ | 2,397,860 |  |  | $ | 2,328,682 |
Net deferred loan costs |  |  | 6,890 |  |  |  | 2,400 |
Allowance for credit losses |  |  | (26,978 | ) |  |  | (29,386 | )
Net loans |  | $ | 2,377,772 |  |  | $ | 2,301,696 |
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 years ended December 31, 2022 and 2021, and the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2020:
December 31, 2022 |  | Commercial Real Estate |  |  | Commercial |  |  | Residential Real Estate |  |  | Consumer |  |  | Total |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 15,879 |  |  | $ | 4,949 |  |  | $ | 4,870 |  |  | $ | 3,688 |  |  | $ | 29,386 |
Provision for credit losses |  |  | (742 | ) |  |  | 1,204 |  |  |  | (493 | ) |  |  | 281 |  |  |  | 250 |
Loans charged off |  |  | (300 | ) |  |  | (2,042 | ) |  |  | (92 | ) |  |  | (870 | ) |  |  | (3,304 | )
Recoveries |  |  | 3 |  |  |  | 75 |  |  |  | 89 |  |  |  | 479 |  |  |  | 646 |
Total ending allowance balance |  | $ | 14,840 |  |  | $ | 4,186 |  |  | $ | 4,374 |  |  | $ | 3,578 |  |  | $ | 26,978 |
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 |
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, 2022 and 2021:
|  | 2022 |  |  | 2021 |
|  | Nonaccrual |  |  | Loans Past Due 90 Days or More Still Accruing |  |  | Nonaccrual |  |  | Loans Past Due 90 Days or More Still Accruing |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 993 |  |  | $ | 0 |  |  | $ | 433 |  |  | $ | 0 |
Non-owner occupied |  |  | 3,031 |  |  |  | 0 |  |  |  | 2,511 |  |  |  | 0 |
Farmland |  |  | 2,183 |  |  |  | 0 |  |  |  | 274 |  |  |  | 0 |
Other |  |  | 33 |  |  |  |  |  |  | 60 |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 3,840 |  |  |  | 50 |  |  |  | 7,190 |  |  |  | 54 |
Agricultural |  |  | 299 |  |  |  | 0 |  |  |  | 40 |  |  |  | 0 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 2,703 |  |  |  | 310 |  |  |  | 3,363 |  |  |  | 459 |
Home equity lines of credit |  |  | 735 |  |  |  | 58 |  |  |  | 917 |  |  |  | 36 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 313 |  |  |  | 62 |  |  |  | 455 |  |  |  | 123 |
Direct |  |  | 179 |  |  |  | 12 |  |  |  | 227 |  |  |  | 53 |
Other |  |  | 2 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Total loans |  | $ | 14,311 |  |  | $ | 492 |  |  | $ | 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 December 31, 2022 and 2021 by class of loans.
December 31, 2022 |  | 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 |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 159 |  |  | $ | 0 |  |  | $ | 993 |  |  | $ | 1,152 |  |  | $ | 329,305 |  |  | $ | 330,457 |
Non-owner occupied |  |  | 0 |  |  |  | 0 |  |  |  | 3,031 |  |  |  | 3,031 |  |  |  | 560,013 |  |  |  | 563,044 |
Farmland |  |  | 0 |  |  |  | 0 |  |  |  | 2,183 |  |  |  | 2,183 |  |  |  | 186,399 |  |  |  | 188,582 |
Other |  |  | 0 |  |  |  | 0 |  |  |  | 33 |  |  |  | 33 |  |  |  | 133,288 |  |  |  | 133,321 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 1,034 |  |  |  | 185 |  |  |  | 3,890 |  |  |  | 5,109 |  |  |  | 289,297 |  |  |  | 294,406 |
Agricultural |  |  | 104 |  |  |  | 20 |  |  |  | 299 |  |  |  | 423 |  |  |  | 58,166 |  |  |  | 58,589 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 4,247 |  |  |  | 1,775 |  |  |  | 3,013 |  |  |  | 9,035 |  |  |  | 466,313 |  |  |  | 475,348 |
Home equity lines of credit |  |  | 115 |  |  |  | 92 |  |  |  | 793 |  |  |  | 1,000 |  |  |  | 131,209 |  |  |  | 132,209 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Indirect |  |  | 1,267 |  |  |  | 298 |  |  |  | 375 |  |  |  | 1,940 |  |  |  | 202,683 |  |  |  | 204,623 |
Direct |  |  | 234 |  |  |  | 70 |  |  |  | 191 |  |  |  | 495 |  |  |  | 15,962 |  |  |  | 16,457 |
Other |  |  | 0 |  |  |  | 5 |  |  |  | 2 |  |  |  | 7 |  |  |  | 7,707 |  |  |  | 7,714 |
Total loans |  | $ | 7,160 |  |  | $ | 2,445 |  |  | $ | 14,803 |  |  | $ | 24,408 |  |  | $ | 2,380,342 |  |  | $ | 2,404,750 |
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 |
Schedule of Loans By Class Modified as Troubled Debt Restructurings | he following tables present loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2022, 2021 and 2020:
|  |  |  |  | Pre- Modification |  |  | Post- Modification |
December 31, 2022 |  | Number of |  |  | Outstanding Recorded |  |  | Outstanding Recorded |
Troubled Debt Restructurings: |  | Loans |  |  | Investment |  |  | Investment |
Commercial real estate |  |  |  |  |  |  |  |  |
Owner occupied |  |  | 2 |  |  | $ | 717 |  |  | $ | 717 |
Commercial |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2 |  |  |  | 1,245 |  |  |  | 1,241 |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 10 |  |  |  | 534 |  |  |  | 553 |
Home equity lines of credit |  |  | 4 |  |  |  | 58 |  |  |  | 59 |
Indirect |  |  | 10 |  |  |  | 69 |  |  |  | 69 |
Consumer |  |  | 3 |  |  |  | 97 |  |  |  | 97 |
Total loans |  |  | 31 |  |  | $ | 2,720 |  |  | $ | 2,736 |
|  |  |  |  | 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 |
Commercial |  |  |  |  |  |  |  |  |
Agricultural |  |  | 1 |  |  | $ | 21 |  |  | $ | 21 |
Residential real estate |  |  |  |  |  |  |  |  |
1-4 family residential |  |  | 10 |  |  |  | 401 |  |  |  | 406 |
Home equity lines of credit |  |  | 4 |  |  |  | 100 |  |  |  | 102 |
Indirect |  |  | 29 |  |  |  | 182 |  |  |  | 182 |
Consumer |  |  | 1 |  |  |  | 15 |  |  |  | 15 |
Total originated loans |  |  | 45 |  |  | $ | 719 |  |  | $ | 726 |
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, 2022 |  | Pass |  |  | Special Mention |  |  | Sub standard |  |  | Total |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | $ | 324,979 |  |  | $ | 1,193 |  |  | $ | 4,285 |  |  | $ | 330,457 |
Non-owner occupied |  |  | 527,267 |  |  |  | 25,541 |  |  |  | 10,236 |  |  |  | 563,044 |
Farmland |  |  | 186,057 |  |  |  | 0 |  |  |  | 2,525 |  |  |  | 188,582 |
Other |  |  | 133,218 |  |  |  | 0 |  |  |  | 103 |  |  |  | 133,321 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 282,412 |  |  |  | 777 |  |  |  | 11,217 |  |  |  | 294,406 |
Agricultural |  |  | 58,002 |  |  |  | 250 |  |  |  | 337 |  |  |  | 58,589 |
Total loans |  | $ | 1,511,935 |  |  | $ | 27,761 |  |  | $ | 28,703 |  |  | $ | 1,568,399 |
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 |
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, 2022 |  | 1-4 Family Residential |  |  | Home Equity Lines of Credit |  |  | Indirect |  |  | Direct |  |  | Other |
(In Thousands of Dollars) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 472,335 |  |  | $ | 131,416 |  |  | $ | 204,248 |  |  | $ | 16,266 |  |  | $ | 7,712 |
Nonperforming |  |  | 3,013 |  |  |  | 793 |  |  |  | 375 |  |  |  | 191 |  |  |  | 2 |
Total loans |  | $ | 475,348 |  |  | $ | 132,209 |  |  | $ | 204,623 |  |  | $ | 16,457 |  |  | $ | 7,714 |
|  | 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 |
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 |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Revolving Loans |  |  | Total |
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 188,240 |  |  | $ | 174,841 |  |  | $ | 120,883 |  |  | $ | 138,342 |  |  | $ | 89,769 |  |  | $ | 256,103 |  |  | $ | 17,286 |  |  | $ | 985,464 |
Special mention |  |  | 0 |  |  |  | 711 |  |  |  | 1,861 |  |  |  | 5,286 |  |  |  | 624 |  |  |  | 18,252 |  |  |  | 0 |  |  |  | 26,734 |
Substandard |  |  | 0 |  |  |  | 18 |  |  |  | 256 |  |  |  | 1,968 |  |  |  | 267 |  |  |  | 10,952 |  |  |  | 1,163 |  |  |  | 14,624 |
Total commercial real estate loans |  | $ | 188,240 |  |  | $ | 175,570 |  |  | $ | 123,000 |  |  | $ | 145,596 |  |  | $ | 90,660 |  |  | $ | 285,307 |  |  | $ | 18,449 |  |  | $ | 1,026,822 |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 100,368 |  |  | $ | 45,872 |  |  | $ | 34,110 |  |  | $ | 16,854 |  |  | $ | 13,574 |  |  | $ | 14,664 |  |  | $ | 56,970 |  |  | $ | 282,412 |
Special mention |  |  | 0 |  |  |  | 197 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 580 |  |  |  | 777 |
Substandard |  |  | 3,642 |  |  |  | 1,331 |  |  |  | 356 |  |  |  | 152 |  |  |  | 110 |  |  |  | 1,761 |  |  |  | 3,865 |  |  |  | 11,217 |
Total commercial loans |  | $ | 104,010 |  |  | $ | 47,400 |  |  | $ | 34,466 |  |  | $ | 17,006 |  |  | $ | 13,684 |  |  | $ | 16,425 |  |  | $ | 61,415 |  |  | $ | 294,406 |
Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 51,096 |  |  | $ | 36,376 |  |  | $ | 44,133 |  |  | $ | 23,661 |  |  | $ | 24,003 |  |  | $ | 45,490 |  |  | $ | 19,300 |  |  | $ | 244,059 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 250 |  |  |  | 250 |
Substandard |  |  | 0 |  |  |  | 379 |  |  |  | 235 |  |  |  | 72 |  |  |  | 0 |  |  |  | 2,146 |  |  |  | 30 |  |  |  | 2,862 |
Total agricultural loans |  | $ | 51,096 |  |  | $ | 36,755 |  |  | $ | 44,368 |  |  | $ | 23,733 |  |  | $ | 24,003 |  |  | $ | 47,636 |  |  | $ | 19,580 |  |  | $ | 247,171 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 83,951 |  |  | $ | 112,463 |  |  | $ | 76,095 |  |  | $ | 31,404 |  |  | $ | 22,918 |  |  | $ | 135,757 |  |  | $ | 3,956 |  |  | $ | 466,544 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 70 |  |  |  | 118 |  |  |  | 76 |  |  |  | 93 |  |  |  | 0 |  |  |  | 357 |
Substandard |  |  | 0 |  |  |  | 136 |  |  |  | 249 |  |  |  | 121 |  |  |  | 9 |  |  |  | 7,932 |  |  |  | 0 |  |  |  | 8,447 |
Total residential real estate loans |  | $ | 83,951 |  |  | $ | 112,599 |  |  | $ | 76,414 |  |  | $ | 31,643 |  |  | $ | 23,003 |  |  | $ | 143,782 |  |  | $ | 3,956 |  |  | $ | 475,348 |
Home equity lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 0 |  |  | $ | 10 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 16 |  |  | $ | 1,394 |  |  | $ | 128,622 |  |  | $ | 130,042 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 49 |  |  |  | 49 |
Substandard |  |  | 0 |  |  |  | 13 |  |  |  | 137 |  |  |  | 20 |  |  |  | 0 |  |  |  | 1,848 |  |  |  | 100 |  |  |  | 2,118 |
Total home equity lines of credit |  | $ | 0 |  |  | $ | 23 |  |  | $ | 137 |  |  | $ | 20 |  |  | $ | 16 |  |  | $ | 3,242 |  |  | $ | 128,771 |  |  | $ | 132,209 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 98,530 |  |  | $ | 46,945 |  |  | $ | 32,284 |  |  | $ | 20,849 |  |  | $ | 10,918 |  |  | $ | 10,942 |  |  | $ | 7,302 |  |  | $ | 227,770 |
Special mention |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Substandard |  |  | 102 |  |  |  | 113 |  |  |  | 267 |  |  |  | 230 |  |  |  | 109 |  |  |  | 202 |  |  |  | 1 |  |  |  | 1,024 |
Total consumer loans |  | $ | 98,632 |  |  | $ | 47,058 |  |  | $ | 32,551 |  |  | $ | 21,079 |  |  | $ | 11,027 |  |  | $ | 11,144 |  |  | $ | 7,303 |  |  | $ | 228,794 |
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 2022.
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 Outstanding Balance and Related Allowance on Loans | The outstanding balance at December 31, 2022 and related allowance on these loans is as follows (in thousands):
|  | Loan Balance |  |  | ACL Balance |
Commercial real estate |  |  |  |  |  |
Owner Occupied |  | $ | 1,480 |  |  | $ | 15 |
Non-owner Occupied |  |  | 19,292 |  |  |  | 346 |
|  |  | 20,772 |  |  |  | 361 |
Commercial |  |  |  |  |  |
Commercial and industrial |  |  | 1,644 |  |  |  | 35 |
Residential real estate |  |  |  |  |  |
1-4 family residential |  |  | 465 |  |  |  | 3 |
Total |  | $ | 22,881 |  |  | $ | 399 |

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