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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Schedule of loan portfolio | The Bank’s loan portfolio as of December 31 was as follows:
(Dollars in thousands) |  |  |  |  |  |
|  | 2018 |  |  | 2017 |
Agricultural |  | $ | 49,109 |  |  | $ | 48,464 |
Commercial and industrial |  |  | 91,406 |  |  |  | 104,386 |
Consumer |  |  | 24,382 |  |  |  | 24,513 |
Real estate - commercial |  |  | 139,453 |  |  |  | 123,487 |
Real estate - construction |  |  | 8,843 |  |  |  | 6,613 |
Real estate - residential |  |  | 95,880 |  |  |  | 91,322 |
Loans, gross |  |  | 409,073 |  |  |  | 398,785 |
Allowance for loan losses |  |  | (4,673 | ) |  |  | (4,577 | )
Loans, net |  | $ | 404,400 |  |  | $ | 394,208
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 was as follows:
(Dollars in thousands) |  |  |  |  | Commercial |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |
|  | Agricultural |  |  | and Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 506 |  |  | $ | 1,001 |  |  | $ | 262 |  |  | $ | 1,761 |  |  | $ | 35 |  |  | $ | 726 |  |  | $ | 286 |  |  | $ | 4,577 |
Charge-offs |  |  | — |  |  |  | (58 | ) |  |  | (282 | ) |  |  | — |  |  |  | — |  |  |  | (25 | ) |  |  | — |  |  |  | (365 | )
Recoveries |  |  | 33 |  |  |  | 107 |  |  |  | 112 |  |  |  | 61 |  |  |  | — |  |  |  | 113 |  |  |  | — |  |  |  | 426 |
Provision |  |  | (58 | ) |  |  | (158 | ) |  |  | 162 |  |  |  | 104 |  |  |  | 3 |  |  |  | (277 | ) |  |  | 259 |  |  |  | 35 |
Ending balance |  | $ | 481 |  |  | $ | 892 |  |  | $ | 254 |  |  | $ | 1,926 |  |  | $ | 38 |  |  | $ | 537 |  |  | $ | 545 |  |  | $ | 4,673 |
Individually evaluated for impairment |  | $ | 94 |  |  | $ | 3 |  |  | $ | 13 |  |  | $ | 20 |  |  | $ | — |  |  | $ | 167 |  |  | $ | — |  |  | $ | 297 |
Collectively evaluated for impairment |  | $ | 387 |  |  | $ | 889 |  |  | $ | 241 |  |  | $ | 1,906 |  |  | $ | 38 |  |  | $ | 370 |  |  | $ | 545 |  |  | $ | 4,376 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 578 |  |  | $ | 21 |  |  | $ | 90 |  |  | $ | 623 |  |  | $ | — |  |  | $ | 2,712 |  |  |  |  |  |  | $ | 4,024 |
Collectively evaluated for impairment |  |  | 48,531 |  |  |  | 91,385 |  |  |  | 24,292 |  |  |  | 138,830 |  |  |  | 8,843 |  |  |  | 93,168 |  |  |  |  |  |  |  | 405,049 |
Ending balance |  | $ | 49,109 |  |  | $ | 91,406 |  |  | $ | 24,382 |  |  | $ | 139,453 |  |  | $ | 8,843 |  |  | $ | 95,880 |  |  |  |  |  |  | $ | 409,073 |
(Dollars in thousands) |  |  |  |  | Commercial |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |
|  | Agricultural |  |  | and Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 433 |  |  | $ | 688 |  |  | $ | 305 |  |  | $ | 1,438 |  |  | $ | 62 |  |  | $ | 1,013 |  |  | $ | 338 |  |  | $ | 4,277 |
Charge-offs |  |  | — |  |  |  | (439 | ) |  |  | (253 | ) |  |  | — |  |  |  | — |  |  |  | (43 | ) |  |  | — |  |  |  | (735 | )
Recoveries |  |  | — |  |  |  | 21 |  |  |  | 169 |  |  |  | 258 |  |  |  | 40 |  |  |  | 62 |  |  |  | — |  |  |  | 550 |
Provision |  |  | 73 |  |  |  | 731 |  |  |  | 41 |  |  |  | 65 |  |  |  | (67 | ) |  |  | (306 | ) |  |  | (52 | ) |  |  | 485 |
Ending balance |  | $ | 506 |  |  | $ | 1,001 |  |  | $ | 262 |  |  | $ | 1,761 |  |  | $ | 35 |  |  | $ | 726 |  |  | $ | 286 |  |  | $ | 4,577 |
Individually evaluated for impairment |  | $ | — |  |  | $ | 26 |  |  | $ | 3 |  |  | $ | 49 |  |  | $ | — |  |  | $ | 224 |  |  | $ | — |  |  | $ | 302 |
Collectively evaluated for impairment |  | $ | 506 |  |  | $ | 975 |  |  | $ | 259 |  |  | $ | 1,712 |  |  | $ | 35 |  |  | $ | 502 |  |  | $ | 286 |  |  | $ | 4,275 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 423 |  |  | $ | 124 |  |  | $ | 36 |  |  | $ | 778 |  |  | $ | — |  |  | $ | 2,779 |  |  |  |  |  |  | $ | 4,140 |
Collectively evaluated for impairment |  |  | 48,041 |  |  |  | 104,262 |  |  |  | 24,477 |  |  |  | 122,709 |  |  |  | 6,613 |  |  |  | 88,543 |  |  |  |  |  |  |  | 394,645 |
Ending balance |  | $ | 48,464 |  |  | $ | 104,386 |  |  | $ | 24,513 |  |  | $ | 123,487 |  |  | $ | 6,613 |  |  | $ | 91,322 |  |  |  |  |  |  | $ | 398,785 |
(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 |
Schedule of the bank's credit exposure | Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category
(Dollars in thousands) |  | Agricultural |  |  | Commercial and Industrial |  |  | Commercial Real Estate |
|  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |
Risk ratings 1 and 2 |  | $ | 15,300 |  |  | $ | 14,813 |  |  | $ | 11,972 |  |  | $ | 13,491 |  |  | $ | 7,962 |  |  | $ | 8,227 |
Risk rating 3 |  |  | 23,938 |  |  |  | 22,721 |  |  |  | 50,266 |  |  |  | 63,366 |  |  |  | 89,173 |  |  |  | 78,868 |
Risk rating 4 |  |  | 9,082 |  |  |  | 10,199 |  |  |  | 23,961 |  |  |  | 26,943 |  |  |  | 36,193 |  |  |  | 33,429 |
Risk rating 5 |  |  | 211 |  |  |  | 308 |  |  |  | 5,204 |  |  |  | 491 |  |  |  | 4,850 |  |  |  | 1,533 |
Risk rating 6 |  |  | 578 |  |  |  | 423 |  |  |  | 3 |  |  |  | 95 |  |  |  | 1,275 |  |  |  | 1,430 |
|  | $ | 49,109 |  |  | $ | 48,464 |  |  | $ | 91,406 |  |  | $ | 104,386 |  |  | $ | 139,453 |  |  | $ | 123,487 |
Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity
(Dollars in thousands) |  | Consumer |  |  | Construction Real Estate |  |  | Residential Real Estate |
|  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |  |  | 2018 |  |  | 2017 |
Performing |  | $ | 24,320 |  |  | $ | 24,497 |  |  | $ | 8,843 |  |  | $ | 6,613 |  |  | $ | 94,925 |  |  | $ | 90,629 |
Nonperforming |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 257 |
Nonaccrual |  |  | 62 |  |  |  | 15 |  |  |  | — |  |  |  | — |  |  |  | 955 |  |  |  | 436 |
|  | $ | 24,382 |  |  | $ | 24,513 |  |  | $ | 8,843 |  |  | $ | 6,613 |  |  | $ | 95,880 |  |  | $ | 91,322
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, 2018 and December 31, 2017.
|  | December 31, 2018 |  |  | December 31, 2017 |
|  |  |  |  | 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 |
Residential real estate |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 296 |  |  | $ | 296 |
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 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 185 |  |  | $ | 185 |  |  | $ | — |  |  | $ | 291 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 29 |  |  |  | 2 |
Consumer |  |  | 1 |  |  |  | 1 |  |  |  | — |  |  |  | 2 |  |  |  | 8 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 54 |  |  |  | — |
Commercial real estate |  |  | 74 |  |  |  | 109 |  |  |  | — |  |  |  | 78 |  |  |  | 30 |
Residential real estate |  |  | 250 |  |  |  | 261 |  |  |  | — |  |  |  | 177 |  |  |  | 114 |
Subtotal |  |  | 510 |  |  |  | 556 |  |  |  | — |  |  |  | 631 |  |  |  | 154 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 393 |  |  |  | 440 |  |  |  | 94 |  |  |  | 161 |  |  |  | 13 |
Commercial and industrial |  |  | 21 |  |  |  | 21 |  |  |  | 3 |  |  |  | 296 |  |  |  | — |
Consumer |  |  | 88 |  |  |  | 88 |  |  |  | 13 |  |  |  | 59 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 550 |  |  |  | 609 |  |  |  | 20 |  |  |  | 692 |  |  |  | — |
Residential real estate |  |  | 2,462 |  |  |  | 2,494 |  |  |  | 167 |  |  |  | 2,523 |  |  |  | 6 |
Subtotal |  |  | 3,514 |  |  |  | 3,652 |  |  |  | 297 |  |  |  | 3,731 |  |  |  | 19 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 578 |  |  |  | 625 |  |  |  | 94 |  |  |  | 452 |  |  |  | 13 |
Commercial and industrial |  |  | 21 |  |  |  | 21 |  |  |  | 3 |  |  |  | 325 |  |  |  | 2 |
Consumer |  |  | 90 |  |  |  | 90 |  |  |  | 13 |  |  |  | 61 |  |  |  | 8 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 54 |  |  |  | — |
Commercial real estate |  |  | 623 |  |  |  | 718 |  |  |  | 20 |  |  |  | 770 |  |  |  | 30 |
Residential real estate |  |  | 2,712 |  |  |  | 2,755 |  |  |  | 167 |  |  |  | 2,700 |  |  |  | 120 |
Total |  | $ | 4,024 |  |  | $ | 4,209 |  |  | $ | 297 |  |  | $ | 4,362 |  |  | $ | 173 |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
|  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 423 |  |  | $ | 455 |  |  | $ | — |  |  | $ | 322 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 103 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 127 |  |  |  | 258 |  |  |  | — |  |  |  | 110 |  |  |  | — |
Residential real estate |  |  | 115 |  |  |  | 126 |  |  |  | — |  |  |  | 106 |  |  |  | 4 |
Subtotal |  |  | 665 |  |  |  | 839 |  |  |  | — |  |  |  | 641 |  |  |  | 4 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 121 |  |  |  | — |
Commercial and industrial |  |  | 124 |  |  |  | 124 |  |  |  | 26 |  |  |  | 177 |  |  |  | 1 |
Consumer |  |  | 36 |  |  |  | 36 |  |  |  | 3 |  |  |  | 33 |  |  |  | 1 |
Commercial real estate |  |  | 651 |  |  |  | 734 |  |  |  | 49 |  |  |  | 826 |  |  |  | 34 |
Residential real estate |  |  | 2,664 |  |  |  | 2,690 |  |  |  | 224 |  |  |  | 2,522 |  |  |  | 110 |
Subtotal |  |  | 3,475 |  |  |  | 3,584 |  |  |  | 302 |  |  |  | 3,679 |  |  |  | 146 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 423 |  |  |  | 455 |  |  |  | — |  |  |  | 443 |  |  |  | — |
Commercial and industrial |  |  | 124 |  |  |  | 124 |  |  |  | 26 |  |  |  | 280 |  |  |  | 1 |
Consumer |  |  | 36 |  |  |  | 36 |  |  |  | 3 |  |  |  | 33 |  |  |  | 1 |
Commercial real estate |  |  | 778 |  |  |  | 992 |  |  |  | 49 |  |  |  | 936 |  |  |  | 34 |
Residential real estate |  |  | 2,779 |  |  |  | 2,816 |  |  |  | 224 |  |  |  | 2,628 |  |  |  | 114 |
Total |  | $ | 4,140 |  |  | $ | 4,423 |  |  | $ | 302 |  |  | $ | 4,320 |  |  | $ | 150 |
|  |  |  |  | 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 |
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 |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 49,109 |  |  | $ | 49,109 |  |  | $ | — |
Commercial and industrial |  |  | 5 |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | 91,401 |  |  |  | 91,406 |  |  |  | — |
Consumer |  |  | 149 |  |  |  | 40 |  |  |  | 11 |  |  |  | 200 |  |  |  | 24,182 |  |  |  | 24,382 |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 73 |  |  |  | 73 |  |  |  | 139,380 |  |  |  | 139,453 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,843 |  |  |  | 8,843 |  |  |  | — |
Residential real estate |  |  | 1,493 |  |  |  | 486 |  |  |  | 648 |  |  |  | 2,627 |  |  |  | 93,253 |  |  |  | 95,880 |  |  |  | — |
|  | $ | 1,647 |  |  | $ | 526 |  |  | $ | 732 |  |  | $ | 2,905 |  |  | $ | 406,168 |  |  | $ | 409,073 |  |  | $ | — |
2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | 83 |  |  | $ | 83 |  |  | $ | 48,381 |  |  | $ | 48,464 |  |  | $ | — |
Commercial and industrial |  |  | 20 |  |  |  | — |  |  |  | — |  |  |  | 20 |  |  |  | 104,366 |  |  |  | 104,386 |  |  |  | — |
Consumer |  |  | 142 |  |  |  | 38 |  |  |  | 1 |  |  |  | 181 |  |  |  | 24,332 |  |  |  | 24,513 |  |  |  | — |
Commercial real estate |  |  | 95 |  |  |  | 58 |  |  |  | 69 |  |  |  | 222 |  |  |  | 123,265 |  |  |  | 123,487 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,613 |  |  |  | 6,613 |  |  |  | — |
Residential real estate |  |  | 585 |  |  |  | 272 |  |  |  | 296 |  |  |  | 1,153 |  |  |  | 90,169 |  |  |  | 91,322 |  |  |  | 258 |
|  | $ | 842 |  |  | $ | 368 |  |  | $ | 449 |  |  | $ | 1,659 |  |  | $ | 397,126 |  |  | $ | 398,785 |  |  | $ | 258 |
(1) Includes nonaccrual loans.
Schedule of nonaccrual loans by loan category | Nonaccrual loans by loan category as of December 31 as follows:
(Dollars in thousands) |  |  |  |  |  |
|  | 2018 |  |  | 2017 |
Agricultural |  | $ | 393 |  |  | $ | 423 |
Commercial and industrial |  |  | — |  |  |  | — |
Consumer |  |  | 62 |  |  |  | 15 |
Commercial real estate |  |  | 123 |  |  |  | 222 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 954 |  |  |  | 436 |
|  | $ | 1,532 |  |  | $ | 1,096 |

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