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Loans (Tables)

9 Months Ended

Sep. 30, 2024

Receivables [Abstract]

Schedule of Loan Balances

Loan balances were as follows:

(In Thousands of Dollars)		September 30, 2024				December 31, 2023
Commercial real estate
Owner occupied		$	396,970			$	399,273
Non-owner occupied			684,603				712,315
Farmland			203,387				202,950
Other			290,801				224,218
Commercial
Commercial and industrial			358,247				346,354
Agricultural			58,386				58,338
Residential real estate
1-4 family residential			852,444				843,697
Home equity lines of credit			155,967				142,441
Consumer
Indirect			239,075				226,815
Direct			20,404				23,805
Other			9,752				9,164
Total loans		$	3,270,036			$	3,189,370
Net deferred loan costs			10,481				8,757
Allowance for credit losses			(36,186	)			(34,440	)
Net loans		$	3,244,331			$	3,163,687

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 nine month periods ended September 30, 2024 and 2023:

Three Months Ended September 30, 2024

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	17,223			$	4,628			$	7,422			$	4,718			$	33,991
(Credit) Provision for credit losses			6,226				(24	)			117				488				6,807
Loans charged off			(4,401	)			(396	)			0				(319	)			(5,116	)
Recoveries			3				407				10				84				504
Total ending allowance balance		$	19,051			$	4,615			$	7,549			$	4,971			$	36,186

Nine Months Ended September 30, 2024

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	18,150			$	5,087			$	6,916			$	4,287			$	34,440
(Credit) Provision for credit losses			5,427				466				676				1,363				7,932
Loans charged off			(4,547	)			(1,411	)			(81	)			(1,020	)			(7,059	)
Recoveries			21				473				38				341				873
Total ending allowance balance		$	19,051			$	4,615			$	7,549			$	4,971			$	36,186

Three Months Ended September 30, 2023

(In Thousands of Dollars)		Commercial Real Estate				Commercial				Residential Real Estate				Consumer				Total
Allowance for credit losses
Beginning balance		$	18,537			$	5,295			$	6,866			$	4,259			$	34,957
PCD ACL on loans acquired			0				0				0				0				0
(Credit) Provision for credit losses			182				(45	)			13				32				182
Loans charged off			(3	)			(154	)			(157	)			(211	)			(525	)
Recoveries			0				6				12				121				139
Total ending allowance balance		$	18,716			$	5,102			$	6,734			$	4,201			$	34,753

Nine Months Ended September 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			3,185				1,638				2,542				867				8,232
Loans charged off			(160	)			(888	)			(251	)			(666	)			(1,965	)
Recoveries			1				28				58				422				509
Total ending allowance balance		$	18,716			$	5,102			$	6,734			$	4,201			$	34,753

Schedule of Amortized Cost Basis 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 September 30, 2024 and December 31, 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
September 30, 2024
Commercial real estate
Owner occupied		$	1,576			$	852			$	0
Non-owner occupied			0				8,105				0
Farmland			1,789				5				0
Other			0				0				0
Commercial
Commercial and industrial			224				1,027				0
Agricultural			179				237				0
Residential real estate
1-4 family residential			526				3,489				91
Home equity lines of credit			96				146				0
Consumer
Indirect			87				500				0
Direct			66				75				0
Other			0				6				0
Total loans		$	4,543			$	14,442			$	91

(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
December 31, 2023
Commercial real estate
Owner occupied		$	1,804			$	830			$	0
Non-owner occupied			19				1,491				0
Farmland			1,957				9				0
Other			0				80				0
Commercial
Commercial and industrial			394				1,408				0
Agricultural			203				317				0
Residential real estate
1-4 family residential			348				3,009				460
Home equity lines of credit			240				210				69
Consumer
Indirect			22				300				125
Direct			65				69				1
Other			0				5				0
Total loans		$	5,052			$	7,728			$	655

Schedule of Amortized Cost Basis in Past Due Loans

The following tables present the amortized cost basis of collateral-dependent loans by class of loans as of September 30, 2024 and December 31, 2023:

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
September 30, 2024
Commercial real estate
Owner occupied		$	1,576			$	0			$	0			$	0
Non-owner occupied			8,119				0				0				0
Farmland			1,789				0				0				0
Other			0				0				0				0
Commercial
Commercial and industrial			79				145				0				0
Agricultural			0				179				0				0
Residential real estate
1-4 family residential			4,001				0				0				0
Home equity lines of credit			270				0				0				0
Consumer
Indirect			0				0				123				0
Direct			0				0				12				66
Other			0				0				0				0
Total loans		$	15,834			$	324			$	135			$	66

(In Thousands of Dollars)		Real Estate				Business Assets				Vehicles				Cash
December 31, 2023
Commercial real estate
Owner occupied		$	1,804			$	0			$	0			$	0
Non-owner occupied			1,335				0				0				0
Farmland			1,957				0				0				0
Other			0				0				0				0
Commercial
Commercial and industrial			94				867				0				0
Agricultural			0				203				0				0
Residential real estate
1-4 family residential			3,352				0				0				0
Home equity lines of credit			294				0				0				0
Consumer
Indirect			0				0				53				0
Direct			0				0				19				66
Other			0				0				0				0
Total loans		$	8,836			$	1,070			$	72			$	66

The following tables present the aging of the recorded investment in past due loans as of September 30, 2024 and December 31, 2023 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
September 30, 2024
Commercial real estate
Owner occupied		$	706			$	448			$	2,428			$	3,582			$	393,158			$	396,740
Non-owner occupied			3,166				0				8,105				11,271				672,893				684,164
Farmland			0				0				1,794				1,794				201,397				203,191
Other			0				639				0				639				289,761				290,400
Commercial
Commercial and industrial			240				281				1,251				1,772				358,063				359,835
Agricultural			324				115				416				855				58,392				59,247
Residential real estate
1-4 family residential			5,367				1,542				4,106				11,015				841,767				852,782
Home equity lines of credit			672				92				242				1,006				155,066				156,072
Consumer
Indirect			1,285				512				587				2,384				245,505				247,889
Direct			62				11				141				214				20,228				20,442
Other			100				0				6				106				9,649				9,755
Total loans		$	11,922			$	3,640			$	19,076			$	34,638			$	3,245,879			$	3,280,517

(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, 2023
Commercial real estate
Owner occupied		$	302			$	293			$	2,634			$	3,229			$	395,799			$	399,028
Non-owner occupied			90				0				1,510				1,600				710,195				711,795
Farmland			365				0				1,966				2,331				200,395				202,726
Other			0				0				80				80				223,697				223,777
Commercial
Commercial and industrial			540				199				1,802				2,541				345,278				347,819
Agricultural			292				40				520				852				58,223				59,075
Residential real estate
1-4 family residential			6,819				4,488				3,817				15,124				828,437				843,561
Home equity lines of credit			729				34				519				1,282				141,189				142,471
Consumer
Indirect			2,045				289				447				2,781				232,105				234,886
Direct			153				23				135				311				23,514				23,825
Other			4				0				5				9				9,155				9,164
Total loans		$	11,339			$	5,366			$	13,435			$	30,140			$	3,167,987			$	3,198,127

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