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Loan Restructurings (Tables)

3 Months Ended

Mar. 31, 2024

Debt Disclosure [Abstract]

Schedule of Amortized Cost Basis for Loans Restructured

Three Months Ended March 31, 2024		Amortized Cost
(In Thousands of Dollars)		Payment Deferral				Principal Forgiveness				Interest Rate Reduction				Combination Term Extension and Interest Rate Reduction				Total				% of Total Class of Financing Receivable
Commercial real estate
Non-owner occupied		$	0			$	74			$	0			$	0			$	74				0.01	%
Residential real estate
Home equity lines of credit			0				0				29				0				29				0.02	%
Total modifications to borrowers experiencing financial difficulty		$	0			$	74			$	29			$	0			$	103				0.00	%

Three Months Ended March 31, 2023		Amortized Cost
(In Thousands of Dollars)		Payment Deferral				Principal Forgiveness				Interest Rate Reduction				Combination Term Extension and Interest Rate Reduction				Total				% of Total Class of Financing Receivable
Commercial
Commercial and industrial		$	50			$	0			$	0			$	0			$	50				0.01	%
Total modifications to borrowers experiencing financial difficulty		$	50			$	0			$	0			$	0			$	50				0.00	%

The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty during the three months ended March 31, 2024 and March 31, 2023:

Payment Deferral

Principal Forgiveness

Interest Rate Reduction

Weighted-Average Years Added to the Life

Reduction of Amortized Cost Basis of the Loans

Weighted-Average Contractual Interest Rate

Three Months Ended March 31, 2024

From

To

Commercial real estate

Non-owner occupied

$

152

Residential real estate

Home equity lines of credit

10.25

%

5.00

%

Payment Deferral

Principal Forgiveness

Interest Rate Reduction

Weighted-Average Years Added to the Life

Reduction of Amortized Cost Basis of the Loans

Weighted-Average Contractual Interest Rate

Three Months Ended March 31, 2023

From

To

Commercial

Commercial and industrial

0.50

March 31, 2024		Amortized Cost
(In Thousands of Dollars)		Payment Deferral				Principal Forgiveness				Interest Rate Reduction				Combination Term Extension and Interest Rate Reduction
Residential real estate
1-4 family residential		$	0			$	0			$	30			$	0
Total modifications to borrowers experiencing financial difficulty		$	0			$	0			$	30			$	0

Schedule of Performance of Loans that Modified

The following table presents the performance of such loans that have been modified in the three months ended March 31, 2024 and March 31, 2023:

Three Months Ended March 31, 2024		Payment status (Amortized cost Basis)
(In Thousands of Dollars)		Current				30-89 Days past due				90+ Days past due
Accrual restructured loans
Total accruing restructured loans		$	0			$	0			$	0
Nonaccrual restructured loans
Commercial real estate
Non-owner occupied		$	74			$	0			$	0
Residential real estate
Home equity lines of credit			29				0				0
Total nonaccrual restructured loans		$	103			$	0			$	0
Total restructured loans		$	103			$	0			$	0

Three Months Ended March 31, 2023		Payment status (Amortized cost Basis)
(In Thousands of Dollars)		Current				30-89 Days past due				90+ Days past due
Commercial
Commercial and industrial		$	50			$	0			$	0
Total accruing restructured loans		$	50			$	0			$	0
Nonaccrual restructured loans
Total nonaccrual restructured loans		$	0			$	0			$	0
Total restructured loans		$	50			$	0			$	0

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Tabular disclosure of aging analysis for financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
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-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-42

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Tabular disclosure of financing receivable modified for debtor experiencing financial difficulty.

+ References

Reference 1: http://www.xbrl.org/2003/role/exampleRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 55
-Paragraph 12A
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481933/310-10-55-12A

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(1)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-42

Reference 3: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 42
-Subparagraph (a)(2)
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-42

Reference 4: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 33
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-33

Reference 5: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 310
-SubTopic 10
-Name Accounting Standards Codification
-Section 50
-Paragraph 34
-Publisher FASB
-URI https://asc.fasb.org//1943274/2147481962/310-10-50-34

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