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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2016
Receivables [Abstract] |
Schedule of loan portfolio | The Bank’s loan portfolio as of December 31 was as follows: (Dollars in thousands)
|  | 2016 |  |  | 2015 |
Agricultural |  | $ | 44,614 |  |  | $ | 40,232 |
Commercial and industrial |  |  | 96,088 |  |  |  | 94,347 |
Consumer |  |  | 21,596 |  |  |  | 20,090 |
Real estate - commercial |  |  | 110,762 |  |  |  | 97,736 |
Real estate - construction |  |  | 6,153 |  |  |  | 5,390 |
Real estate - residential |  |  | 89,787 |  |  |  | 91,509 |
Loans, gross |  |  | 369,000 |  |  |  | 349,304 |
Allowance for loan losses |  |  | (4,277 | ) |  |  | (4,194 | )
Loans, net |  | $ | 364,723 |  |  | $ | 345,110 |
Schedule of activity in the allowance for loan losses and balances in the loan portfolio | Activity in the allowance for loan losses and balances in the loan portfolio were as follows:
(Dollars in thousands) |  |  |  |  | Commercial |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |
|  | Agricultural |  |  | and Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
2016 Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 420 |  |  | $ | 586 |  |  | $ | 297 |  |  | $ | 1,030 |  |  | $ | 46 |  |  | $ | 1,388 |  |  | $ | 427 |  |  | $ | 4,194 |
Charge-offs |  |  | — |  |  |  | (37 | ) |  |  | (218 | ) |  |  | — |  |  |  | — |  |  |  | (102 | ) |  |  | — |  |  |  | (357 | )
Recoveries |  |  | — |  |  |  | 31 |  |  |  | 149 |  |  |  | 89 |  |  |  | — |  |  |  | 171 |  |  |  | — |  |  |  | 440 |
Provision |  |  | 13 |  |  |  | 108 |  |  |  | 77 |  |  |  | 319 |  |  |  | 16 |  |  |  | (444 | ) |  |  | (89 | ) |  |  | — |
Ending balance |  | $ | 433 |  |  | $ | 688 |  |  | $ | 305 |  |  | $ | 1,438 |  |  | $ | 62 |  |  | $ | 1,013 |  |  | $ | 338 |  |  | $ | 4,277 |
Individually evaluated for impairment |  | $ | 3 |  |  | $ | 11 |  |  | $ | 2 |  |  | $ | 91 |  |  | $ | — |  |  | $ | 296 |  |  | $ | — |  |  | $ | 403 |
Collectively evaluated for impairment |  | $ | 430 |  |  | $ | 677 |  |  | $ | 303 |  |  | $ | 1,347 |  |  | $ | 62 |  |  | $ | 717 |  |  | $ | 338 |  |  | $ | 3,874 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 526 |  |  | $ | 301 |  |  | $ | 28 |  |  | $ | 1,073 |  |  | $ | — |  |  | $ | 2,983 |  |  |  |  |  |  | $ | 4,911 |
Collectively evaluated for impairment |  |  | 44,088 |  |  |  | 95,787 |  |  |  | 21,568 |  |  |  | 109,689 |  |  |  | 6,153 |  |  |  | 86,804 |  |  |  |  |  |  |  | 364,089 |
Ending balance |  | $ | 44,614 |  |  | $ | 96,088 |  |  | $ | 21,596 |  |  | $ | 110,762 |  |  | $ | 6,153 |  |  | $ | 89,787 |  |  |  |  |  |  | $ | 369,000 |
(Dollars in thousands) |  |  |  |  |  | Commercial |  |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |  |  |
|  | Agricultural |  |  | and Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
2015 Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 186 |  |  | $ | 527 |  |  | $ | 184 |  |  | $ | 1,641 |  |  | $ | 9 |  |  | $ | 1,193 |  |  | $ | 433 |  |  | $ | 4,173 |
Charge-offs |  |  | — |  |  |  | (30 | ) |  |  | (291 | ) |  |  | — |  |  |  | — |  |  |  | (140 | ) |  |  | — |  |  |  | (461 | )
Recoveries |  |  | 1 |  |  |  | 64 |  |  |  | 121 |  |  |  | 47 |  |  |  | — |  |  |  | 149 |  |  |  | — |  |  |  | 382 |
Provision |  |  | 233 |  |  |  | 25 |  |  |  | 283 |  |  |  | (658 | ) |  |  | 37 |  |  |  | 186 |  |  |  | (6 | ) |  |  | 100 |
Ending balance |  | $ | 420 |  |  | $ | 586 |  |  | $ | 297 |  |  | $ | 1,030 |  |  | $ | 46 |  |  | $ | 1,388 |  |  | $ | 427 |  |  | $ | 4,194 |
Individually evaluated for impairment |  | $ | 3 |  |  | $ | 15 |  |  | $ | 1 |  |  | $ | 191 |  |  | $ | — |  |  | $ | 296 |  |  | $ | — |  |  | $ | 506 |
Collectively evaluated for impairment |  | $ | 417 |  |  | $ | 571 |  |  | $ | 296 |  |  | $ | 839 |  |  | $ | 46 |  |  | $ | 1,092 |  |  | $ | 427 |  |  | $ | 3,688 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 50 |  |  | $ | 192 |  |  | $ | 24 |  |  | $ | 2,790 |  |  | $ | — |  |  | $ | 2,529 |  |  |  |  |  |  | $ | 5,585 |
Collectively evaluated for impairment |  |  | 40,182 |  |  |  | 94,155 |  |  |  | 20,066 |  |  |  | 94,946 |  |  |  | 5,390 |  |  |  | 88,980 |  |  |  |  |  |  |  | 343,719 |
Ending balance |  | $ | 40,232 |  |  | $ | 94,347 |  |  | $ | 20,090 |  |  | $ | 97,736 |  |  | $ | 5,390 |  |  | $ | 91,509 |  |  |  |  |  |  | $ | 349,304 |
(Dollars in thousands) |  |  |  |  | Commercial |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |
|  | Agricultural |  |  | and Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
2014 Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 178 |  |  | $ | 562 |  |  | $ | 192 |  |  | $ | 1,842 |  |  | $ | 12 |  |  | $ | 1,626 |  |  | $ | 323 |  |  | $ | 4,735 |
Charge-offs |  |  | — |  |  |  | (1 | ) |  |  | (273 | ) |  |  | (665 | ) |  |  | — |  |  |  | (133 | ) |  |  | — |  |  |  | (1,072 | )
Recoveries |  |  | 20 |  |  |  | 119 |  |  |  | 179 |  |  |  | 48 |  |  |  | — |  |  |  | 44 |  |  |  | — |  |  |  | 410 |
Provision |  |  | (12 | ) |  |  | (153 | ) |  |  | 86 |  |  |  | 416 |  |  |  | (3 | ) |  |  | (344 | ) |  |  | 110 |  |  |  | 100 |
Ending balance |  | $ | 186 |  |  | $ | 527 |  |  | $ | 184 |  |  | $ | 1,641 |  |  | $ | 9 |  |  | $ | 1,193 |  |  | $ | 433 |  |  | $ | 4,173 |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | 4 |  |  | $ | 745 |  |  | $ | — |  |  | $ | 365 |  |  | $ | — |  |  | $ | 1,114 |
Collectively evaluated for impairment |  | $ | 186 |  |  | $ | 527 |  |  | $ | 180 |  |  | $ | 896 |  |  | $ | 9 |  |  | $ | 828 |  |  | $ | 433 |  |  | $ | 3,059 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | 38 |  |  | $ | 36 |  |  | $ | 3,853 |  |  | $ | — |  |  | $ | 2,958 |  |  |  |  |  |  | $ | 6,885 |
Collectively evaluated for impairment |  |  | 41,098 |  |  |  | 88,024 |  |  |  | 20,716 |  |  |  | 95,954 |  |  |  | 2,691 |  |  |  | 90,745 |  |  |  |  |  |  |  | 339,228 |
Ending balance |  | $ | 41,098 |  |  | $ | 88,062 |  |  | $ | 20,752 |  |  | $ | 99,807 |  |  | $ | 2,691 |  |  | $ | 93,703 |  |  |  |  |  |  | $ | 346,113 |
Schedule of the bank's credit exposure | Information regarding the Bank’s credit exposure as of December 31 was as follows: Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category
(Dollars in thousands) |  | Agricultural |  |  | Commercial and Industrial |  |  | Commercial Real Estate |
|  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |
Risk ratings 1 and 2 |  | $ | 12,005 |  |  | $ | 10,416 |  |  | $ | 12,135 |  |  | $ | 10,480 |  |  | $ | 8,013 |  |  | $ | 3,875 |
Risk rating 3 |  |  | 23,852 |  |  |  | 25,189 |  |  |  | 56,714 |  |  |  | 66,921 |  |  |  | 59,343 |  |  |  | 57,540 |
Risk rating 4 |  |  | 7,505 |  |  |  | 3,086 |  |  |  | 25,895 |  |  |  | 16,169 |  |  |  | 39,641 |  |  |  | 29,826 |
Risk rating 5 |  |  | 726 |  |  |  | 1,491 |  |  |  | 1,267 |  |  |  | 574 |  |  |  | 1,867 |  |  |  | 3,776 |
Risk rating 6 |  |  | 526 |  |  |  | 50 |  |  |  | 77 |  |  |  | 129 |  |  |  | 1,898 |  |  |  | 2,719 |
Risk rating 7 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 74 |  |  |  | — |  |  |  | — |
|  | $ | 44,614 |  |  | $ | 40,232 |  |  | $ | 96,088 |  |  | $ | 94,347 |  |  | $ | 110,762 |  |  | $ | 97,736 |
Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity
(Dollars in thousands) |  | Consumer |  |  | Construction Real Estate |  |  | Residential Real Estate |
|  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |
Performing |  | $ | 21,590 |  |  | $ | 20,090 |  |  | $ | 6,153 |  |  | $ | 5,390 |  |  | $ | 88,767 |  |  | $ | 90,796 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 229 |  |  |  | 282 |
Nonaccrual |  |  | 6 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 791 |  |  |  | 431 |
|  | $ | 21,596 |  |  | $ | 20,090 |  |  | $ | 6,153 |  |  | $ | 5,390 |  |  | $ | 89,787 |  |  | $ | 91,509
Schedule of troubled debt restructurings | The following schedule provides information on loans that were considered troubled debt restructurings (“TDRs”) that were modified during the twelve months ended December 31, 2016 and December 31, 2015:
|  | December 31, 2016 |  |  | December 31, 2015 |
|  |  |  |  | Pre- |  |  | Post- |  |  |  |  |  | Pre- |  |  | Post- |
|  |  |  |  | Modification |  |  | Modification |  |  |  |  |  | Modification |  |  | Modification |
|  |  |  |  | Outstanding |  |  | Outstanding |  |  |  |  |  | Outstanding |  |  | Outstanding |
(Dollars in thousands) |  | Number of |  |  | Recorded |  |  | Recorded |  |  | Number of |  |  | Recorded |  |  | Recorded |
|  | Loans |  |  | Investment |  |  | Investment |  |  | Loans |  |  | Investment |  |  | Investment |
Agricultural |  |  | 1 |  |  | $ | 105 |  |  | $ | 105 |  |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | 439 |  |  |  | 439 |
Residential real estate |  |  | 2 |  |  |  | 155 |  |  |  | 155 |  |  |  | 2 |  |  |  | 195 |  |  |  | 195 |
|  |  | 3 |  |  | $ | 260 |  |  | $ | 260 |  |  |  | 6 |  |  | $ | 634 |  |  | $ | 634 |
The following schedule provides information on TDRs as of December 31, 2016 and December 31, 2015 where the borrower was past due with respect to principal and/or interest for 30 days or more during the twelve months ended December 31, 2016 and December 31, 2015 that had been modified during the 12-month period prior to the default:
|  | With Payment Defaults During the Following Periods |
|  | December 31, 2016 |  |  | December 31, 2015 |
(Dollars in thousands) |  | Number |  |  | Recorded |  |  | Number |  |  | Recorded |
|  | of Loans |  |  | Investment |  |  | of Loans |  |  | Investment |
Agricultural |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 1 |  |  |  | 105 |  |  |  | 3 |  |  |  | 400 |
Residential real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  |  | 1 |  |  | $ | 105 |  |  |  | 3 |  |  | $ | 400 |
Schedule of impaired loans | Impaired loans by loan category as of December 31 were as follows:
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 482 |  |  | $ | 485 |  |  | $ | — |  |  | $ | 220 |  |  | $ | 13 |
Commercial and industrial |  |  | 206 |  |  |  | 207 |  |  |  | — |  |  |  | 91 |  |  |  | 3 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |
Commercial real estate |  |  | 342 |  |  |  | 939 |  |  |  | — |  |  |  | 925 |  |  |  | 2 |
Residential real estate |  |  | 301 |  |  |  | 292 |  |  |  | — |  |  |  | 167 |  |  |  | 5 |
Subtotal |  |  | 1,331 |  |  |  | 1,923 |  |  |  | — |  |  |  | 1,404 |  |  |  | 23 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 44 |  |  |  | 44 |  |  |  | 3 |  |  |  | 72 |  |  |  | 3 |
Commercial and industrial |  |  | 95 |  |  |  | 95 |  |  |  | 11 |  |  |  | 218 |  |  |  | — |
Consumer |  |  | 28 |  |  |  | 28 |  |  |  | 2 |  |  |  | 24 |  |  |  | 2 |
Commercial real estate |  |  | 731 |  |  |  | 804 |  |  |  | 91 |  |  |  | 1,281 |  |  |  | 33 |
Residential real estate |  |  | 2,682 |  |  |  | 2,711 |  |  |  | 296 |  |  |  | 2,672 |  |  |  | 108 |
Subtotal |  |  | 3,580 |  |  |  | 3,682 |  |  |  | 403 |  |  |  | 4,267 |  |  |  | 146 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 526 |  |  |  | 529 |  |  |  | 3 |  |  |  | 292 |  |  |  | 16 |
Commercial and industrial |  |  | 301 |  |  |  | 302 |  |  |  | 11 |  |  |  | 309 |  |  |  | 3 |
Consumer |  |  | 28 |  |  |  | 28 |  |  |  | 2 |  |  |  | 25 |  |  |  | 2 |
Commercial real estate |  |  | 1,073 |  |  |  | 1,743 |  |  |  | 91 |  |  |  | 2,206 |  |  |  | 35 |
Residential real estate |  |  | 2,983 |  |  |  | 3,003 |  |  |  | 296 |  |  |  | 2,839 |  |  |  | 113 |
Total |  | $ | 4,911 |  |  | $ | 5,605 |  |  | $ | 403 |  |  | $ | 5,671 |  |  | $ | 169 |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial and industrial |  |  | 74 |  |  |  | 103 |  |  |  | — |  |  |  | 25 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |
Commercial real estate |  |  | 1,540 |  |  |  | 1,540 |  |  |  | — |  |  |  | 1,061 |  |  |  | 11 |
Residential real estate |  |  | 13 |  |  |  | 13 |  |  |  | — |  |  |  | 191 |  |  |  | — |
Subtotal |  |  | 1,627 |  |  |  | 1,656 |  |  |  | — |  |  |  | 1,279 |  |  |  | 11 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 50 |  |  |  | 50 |  |  |  | 3 |  |  |  | 62 |  |  |  | (6 | )
Commercial and industrial |  |  | 118 |  |  |  | 118 |  |  |  | 15 |  |  |  | 44 |  |  |  | 1 |
Consumer |  |  | 24 |  |  |  | 24 |  |  |  | 1 |  |  |  | 34 |  |  |  | 3 |
Commercial real estate |  |  | 1,250 |  |  |  | 1,755 |  |  |  | 191 |  |  |  | 2,002 |  |  |  | 64 |
Residential real estate |  |  | 2,516 |  |  |  | 2,516 |  |  |  | 296 |  |  |  | 2,425 |  |  |  | 86 |
Subtotal |  |  | 3,958 |  |  |  | 4,463 |  |  |  | 506 |  |  |  | 4,567 |  |  |  | 148 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 50 |  |  |  | 50 |  |  |  | 3 |  |  |  | 62 |  |  |  | (6 | )
Commercial and industrial |  |  | 192 |  |  |  | 221 |  |  |  | 15 |  |  |  | 69 |  |  |  | 1 |
Consumer |  |  | 24 |  |  |  | 24 |  |  |  | 1 |  |  |  | 36 |  |  |  | 3 |
Commercial real estate |  |  | 2,790 |  |  |  | 3,295 |  |  |  | 191 |  |  |  | 3,063 |  |  |  | 75 |
Residential real estate |  |  | 2,529 |  |  |  | 2,529 |  |  |  | 296 |  |  |  | 2,616 |  |  |  | 86 |
Total |  | $ | 5,585 |  |  | $ | 6,119 |  |  | $ | 506 |  |  | $ | 5,846 |  |  | $ | 159 |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 90 |  |  | $ | — |
Commercial and industrial |  |  | 38 |  |  |  | 43 |  |  |  | — |  |  |  | 81 |  |  |  | — |
Consumer |  |  | 8 |  |  |  | 8 |  |  |  | — |  |  |  | 3 |  |  |  | — |
Commercial real estate |  |  | 413 |  |  |  | 419 |  |  |  | — |  |  |  | 352 |  |  |  | 6 |
Residential real estate |  |  | 502 |  |  |  | 502 |  |  |  | — |  |  |  | 492 |  |  |  | 9 |
Subtotal |  |  | 961 |  |  |  | 972 |  |  |  | — |  |  |  | 1,018 |  |  |  | 15 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 130 |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 292 |  |  |  | 4 |
Consumer |  |  | 28 |  |  |  | 28 |  |  |  | 4 |  |  |  | 31 |  |  |  | 3 |
Commercial real estate |  |  | 3,440 |  |  |  | 4,498 |  |  |  | 745 |  |  |  | 3,932 |  |  |  | 81 |
Residential real estate |  |  | 2,456 |  |  |  | 2,474 |  |  |  | 365 |  |  |  | 2,323 |  |  |  | 91 |
Subtotal |  |  | 5,924 |  |  |  | 7,000 |  |  |  | 1,114 |  |  |  | 6,708 |  |  |  | 179 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 220 |  |  |  | — |
Commercial and industrial |  |  | 38 |  |  |  | 43 |  |  |  | — |  |  |  | 373 |  |  |  | 4 |
Consumer |  |  | 36 |  |  |  | 36 |  |  |  | 4 |  |  |  | 34 |  |  |  | 3 |
Commercial real estate |  |  | 3,853 |  |  |  | 4,917 |  |  |  | 745 |  |  |  | 4,284 |  |  |  | 87 |
Residential real estate |  |  | 2,958 |  |  |  | 2,976 |  |  |  | 365 |  |  |  | 2,815 |  |  |  | 100 |
Total |  | $ | 6,885 |  |  | $ | 7,972 |  |  | $ | 1,114 |  |  | $ | 7,726 |  |  | $ | 194 |
Schedule of aging analysis of loans by loan category | An aging analysis of loans by loan category as of December 31 follows:
|  |  |  |  |  |  |  | Loans |  |  |  |  |  |  |  |  |  |  |  |  |
|  | Loans |  |  | Loans |  |  | Past Due |  |  |  |  |  |  |  |  |  |  |  | Loans |
|  | Past Due |  |  | Past Due |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | 90 Days Past |
(Dollars in thousands) |  | 30 to 59 |  |  | 60 to 89 |  |  | Than 90 |  |  |  |  |  | Loans Not |  |  | Total |  |  | Due and |
|  | Days (1) |  |  | Days (1) |  |  | Days (1) |  |  | Total (1) |  |  | Past Due |  |  | Loans |  |  | Accruing |
2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 44,614 |  |  | $ | 44,614 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | 30 |  |  |  | 245 |  |  |  | 275 |  |  |  | 95,813 |  |  |  | 96,088 |  |  |  | — |
Consumer |  |  | 99 |  |  |  | 2 |  |  |  | 6 |  |  |  | 107 |  |  |  | 21,489 |  |  |  | 21,596 |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 260 |  |  |  | 260 |  |  |  | 110,502 |  |  |  | 110,762 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,153 |  |  |  | 6,153 |  |  |  | — |
Residential real estate |  |  | 1,027 |  |  |  | 109 |  |  |  | 646 |  |  |  | 1,782 |  |  |  | 88,005 |  |  |  | 89,787 |  |  |  | 229 |
|  | $ | 1,126 |  |  | $ | 141 |  |  | $ | 1,157 |  |  | $ | 2,424 |  |  | $ | 366,576 |  |  | $ | 369,000 |  |  | $ | 229 |
2015 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 3 |  |  | $ | — |  |  | $ | — |  |  | $ | 3 |  |  | $ | 40,229 |  |  | $ | 40,232 |  |  | $ | — |
Commercial and industrial |  |  | 90 |  |  |  | 322 |  |  |  | 77 |  |  |  | 489 |  |  |  | 93,858 |  |  |  | 94,347 |  |  |  | — |
Consumer |  |  | 115 |  |  |  | — |  |  |  | — |  |  |  | 115 |  |  |  | 19,975 |  |  |  | 20,090 |  |  |  | — |
Commercial real estate |  |  | 505 |  |  |  | 297 |  |  |  | 1,233 |  |  |  | 2,035 |  |  |  | 95,701 |  |  |  | 97,736 |  |  |  | — |
Construction real estate |  |  | 299 |  |  |  | — |  |  |  | — |  |  |  | 299 |  |  |  | 5,091 |  |  |  | 5,390 |  |  |  | — |
Residential real estate |  |  | 1,012 |  |  |  | 364 |  |  |  | 200 |  |  |  | 1,576 |  |  |  | 89,933 |  |  |  | 91,509 |  |  |  | 29 |
|  | $ | 2,024 |  |  | $ | 983 |  |  | $ | 1,510 |  |  | $ | 4,517 |  |  | $ | 344,787 |  |  | $ | 349,304 |  |  | $ | 29 |
(1) Includes nonaccrual loans.
Schedule of nonaccrual loans by loan category | Nonaccrual loans by loan category as of December 31 follow:
(Dollars in thousands) |  |  |  |  |  |
|  | 2016 |  |  | 2015 |
Agricultural |  | $ | 482 |  |  | $ | 50 |
Commercial and industrial |  |  | 245 |  |  |  | 77 |
Consumer |  |  | 6 |  |  |  | — |
Commercial real estate |  |  | 458 |  |  |  | 1,640 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 792 |  |  |  | 431 |
|  | $ | 1,983 |  |  | $ | 2,198 |

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