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Loans (Tables)

6 Months Ended

Jun. 30, 2023

Receivables [Abstract]

Schedule of Loan Balances

Loan balances were as follows:

(In Thousands of Dollars)		June 30, 2023				December 31, 2022
Commercial real estate
Owner occupied		$	357,329			$	330,768
Non-owner occupied			697,486				563,652
Farmland			192,182				188,850
Other			230,160				133,630
Commercial
Commercial and industrial			362,664				293,643
Agricultural			58,625				58,087
Residential real estate
1-4 family residential			849,533				475,791
Home equity lines of credit			138,535				132,179
Consumer
Indirect			226,187				197,125
Direct			25,980				16,421
Other			8,159				7,714
Total loans		$	3,146,840			$	2,397,860
Net deferred loan costs			8,360				6,890
Allowance for credit losses			(34,957	)			(26,978	)
Net loans		$	3,120,243			$	2,377,772

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 the three and six month periods ended June 30, 2023 and 2022:

Three Months Ended June 30, 2023

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	19,819			$	5,230			$	6,732			$	4,230			$	36,011
PCD ACL on loans acquired			0				0				0				0				0
(Credit) Provision for credit losses			(1,125	)			639				131				100				(255	)
Loans charged off			(157	)			(591	)			(11	)			(212	)			(971	)
Recoveries			0				17				14				141				172
Total ending allowance balance		$	18,537			$	5,295			$	6,866			$	4,259			$	34,957

Six Months Ended June 30, 2023

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	14,840			$	4,186			$	4,374			$	3,578			$	26,978
PCD ACL on loans acquired			850				138				11				0				999
Provision for credit losses			3,003				1,683				2,529				835				8,050
Loans charged off			(157	)			(734	)			(94	)			(455	)			(1,440	)
Recoveries			1				22				46				301				370
Total ending allowance balance		$	18,537			$	5,295			$	6,866			$	4,259			$	34,957

Three Months Ended June 30, 2022

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	15,207			$	3,867			$	4,702			$	3,239			$	27,015
(Credit) Provision for credit losses			(349	)			70				197				564				482
Loans charged off			0				(46	)			0				(132	)			(178	)
Recoveries			1				2				16				116				135
Total ending allowance balance		$	14,859			$	3,893			$	4,915			$	3,787			$	27,454

Six Months Ended June 30, 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
(Credit) Provision for credit losses			(1,021	)			341				51				181				(448	)
Loans charged off			0				(1,405	)			(34	)			(329	)			(1,768	)
Recoveries			1				8				28				247				284
Total ending allowance balance		$	14,859			$	3,893			$	4,915			$	3,787			$	27,454

Schedule of Investment in Nonaccrual and Loans Past Due 90 Days or More Still on Accrual by Class of Loans

The following tables present the amortized cost basis of loans on nonaccrual status and loans past due over 89 days still accruing as of June 30, 2023:

(In Thousands of Dollars)		Nonaccrual with no allowance for credit loss				Nonaccrual with an allowance for credit loss				Loans past due over 89 days still accruing
June 30, 2023
Commercial real estate
Owner occupied		$	679			$	486			$	0
Non-owner occupied			1,891				6,285				0
Farmland			2,059				113				0
Other			0				19				0
Commercial
Commercial and industrial			117				1,780				0
Agricultural			224				198				0
Residential real estate
1-4 family residential			269				2,096				594
Home equity lines of credit			274				242				112
Consumer
Indirect			10				296				57
Direct			65				86				1
Other			0				3				0
Total loans		$	5,588			$	11,604			$	764

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:

		December 31, 2022
(In Thousands of Dollars)		Nonaccrual				Loans Past Due 90 Days or More Still Accruing
Commercial real estate
Owner occupied		$	993			$	0
Non-owner occupied			3,031				0
Farmland			2,183				0
Other			33				0
Commercial
Commercial and industrial			3,840				50
Agricultural			299				0
Residential real estate
1-4 family residential			2,703				310
Home equity lines of credit			735				58
Consumer
Indirect			313				62
Direct			179				12
Other			2				0
Total loans		$	14,311			$	492

Schedule of Investment in Past Due Loans

The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of June 30, 2023:

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
June 30, 2023
Commercial real estate
Owner occupied		$	801			$	0			$	0			$	0
Non-owner occupied			5,080				0				0				0
Farmland			2,059				0				0				0
Other			0				0				0				0
Commercial
Commercial and industrial			0				1,170				0				0
Agricultural			0				224				0				0
Residential real estate
1-4 family residential			1,576				0				0				0
Home equity lines of credit			331				0				0				0
Consumer
Indirect			0				0				48				0
Direct			0				0				24				66
Other			0				0				0				0
Total loans		$	9,847			$	1,394			$	72			$	66

The following tables present the aging of the recorded investment in past due loans as of June 30, 2023 and December 31, 2022 by class of loans.

(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
June 30, 2023
Commercial real estate
Owner occupied		$	345			$	0			$	1,165			$	1,510			$	355,556			$	357,066
Non-owner occupied			0				0				8,176				8,176				688,768				696,944
Farmland			321				0				2,172				2,493				189,452				191,945
Other			80				0				19				99				229,719				229,818
Commercial
Commercial and industrial			378				239				1,897				2,514				361,437				363,951
Agricultural			227				166				422				815				58,511				59,326
Residential real estate
1-4 family residential			8,256				979				2,959				12,194				837,014				849,208
Home equity lines of credit			214				108				628				950				137,617				138,567
Consumer
Indirect			822				79				363				1,264				232,945				234,209
Direct			81				16				152				249				25,758				26,007
Other			6				4				3				13				8,146				8,159
Total loans		$	10,730			$	1,591			$	17,956			$	30,277			$	3,124,923			$	3,155,200

(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, 2022
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

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