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v3.19.2

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
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:
|  |  |  |  | Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  |  |  |  | and |  |  |  |  |  | Commercial |  |  | Construction |  |  | Residential |  |  |  |  |  |  |
|  | Agricultural |  |  | Industrial |  |  | Consumer |  |  | Real Estate |  |  | Real Estate |  |  | Real Estate |  |  | Unallocated |  |  | Total |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 424 |  |  | $ | 857 |  |  | $ | 336 |  |  | $ | 1,863 |  |  | $ | 40 |  |  | $ | 558 |  |  | $ | 652 |  |  | $ | 4,730 |
Charge-offs |  |  | — |  |  |  | (1 | ) |  |  | (45 | ) |  |  | — |  |  |  | — |  |  |  | (15 | ) |  |  | — |  |  |  | (61 | )
Recoveries |  |  | 65 |  |  |  | 3 |  |  |  | 39 |  |  |  | 4 |  |  |  | — |  |  |  | 21 |  |  |  | — |  |  |  | 132 |
Provision |  |  | (127 | ) |  |  | (41 | ) |  |  | 5 |  |  |  | 531 |  |  |  | 3 |  |  |  | (42 | ) |  |  | (329 | ) |  |  | — |
Ending balance |  | $ | 362 |  |  | $ | 818 |  |  | $ | 335 |  |  | $ | 2,398 |  |  | $ | 43 |  |  | $ | 522 |  |  | $ | 323 |  |  | $ | 4,801 |
Six Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 481 |  |  | $ | 892 |  |  | $ | 254 |  |  | $ | 1,926 |  |  | $ | 38 |  |  | $ | 537 |  |  | $ | 545 |  |  | $ | 4,673 |
Charge-offs |  |  | — |  |  |  | (2 | ) |  |  | (151 | ) |  |  | — |  |  |  | — |  |  |  | (14 | ) |  |  | — |  |  |  | (167 | )
Recoveries |  |  | 65 |  |  |  | 20 |  |  |  | 88 |  |  |  | 6 |  |  |  | — |  |  |  | 116 |  |  |  | — |  |  |  | 295 |
Provision |  |  | (184 | ) |  |  | (92 | ) |  |  | 144 |  |  |  | 466 |  |  |  | 5 |  |  |  | (117 | ) |  |  | (222 | ) |  |  | — |
Ending balance |  | $ | 362 |  |  | $ | 818 |  |  | $ | 335 |  |  | $ | 2,398 |  |  | $ | 43 |  |  | $ | 522 |  |  | $ | 323 |  |  | $ | 4,801 |
Individually evaluated for impairment |  | $ | 80 |  |  | $ | 84 |  |  | $ | 10 |  |  | $ | 605 |  |  | $ | — |  |  | $ | 159 |  |  | $ | — |  |  | $ | 938 |
Collectively evaluated for impairment |  | $ | 282 |  |  | $ | 734 |  |  | $ | 325 |  |  | $ | 1,793 |  |  | $ | 43 |  |  | $ | 363 |  |  | $ | 323 |  |  | $ | 3,863 |
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 350 |  |  | $ | 1,005 |  |  | $ | 245 |  |  | $ | 1,786 |  |  | $ | 18 |  |  | $ | 625 |  |  | $ | 680 |  |  | $ | 4,709 |
Charge-offs |  |  | — |  |  |  | (57 | ) |  |  | (50 | ) |  |  | — |  |  |  | — |  |  |  | (9 | ) |  |  | — |  |  |  | (116 | )
Recoveries |  |  | — |  |  |  | — |  |  |  | 15 |  |  |  | 3 |  |  |  | — |  |  |  | 48 |  |  |  | — |  |  |  | 66 |
Provision |  |  | 9 |  |  |  | 22 |  |  |  | (5 | ) |  |  | 122 |  |  |  | (2 | ) |  |  | (44 | ) |  |  | (102 | ) |  |  | — |
Ending balance |  | $ | 359 |  |  | $ | 970 |  |  | $ | 205 |  |  | $ | 1,911 |  |  | $ | 16 |  |  | $ | 620 |  |  | $ | 578 |  |  | $ | 4,659 |
Six Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 506 |  |  | $ | 1,001 |  |  | $ | 262 |  |  | $ | 1,761 |  |  | $ | 35 |  |  | $ | 726 |  |  | $ | 286 |  |  | $ | 4,577 |
Charge-offs |  |  | — |  |  |  | (58 | ) |  |  | (118 | ) |  |  | — |  |  |  | — |  |  |  | (13 | ) |  |  | — |  |  |  | (189 | )
Recoveries |  |  | — |  |  |  | 53 |  |  |  | 51 |  |  |  | 59 |  |  |  | — |  |  |  | 73 |  |  |  | — |  |  |  | 236 |
Provision |  |  | (147 | ) |  |  | (26 | ) |  |  | 10 |  |  |  | 91 |  |  |  | (19 | ) |  |  | (166 | ) |  |  | 292 |  |  |  | 35 |
Ending balance |  | $ | 359 |  |  | $ | 970 |  |  | $ | 205 |  |  | $ | 1,911 |  |  | $ | 16 |  |  | $ | 620 |  |  | $ | 578 |  |  | $ | 4,659 |
Individually evaluated for impairment |  | $ | — |  |  | $ | 76 |  |  | $ | 1 |  |  | $ | 28 |  |  | $ | — |  |  | $ | 221 |  |  | $ | — |  |  | $ | 326 |
Collectively evaluated for impairment |  | $ | 359 |  |  | $ | 894 |  |  | $ | 204 |  |  | $ | 1,883 |  |  | $ | 16 |  |  | $ | 399 |  |  | $ | 578 |  |  | $ | 4,333 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 389 |  |  | $ | 362 |  |  | $ | 54 |  |  | $ | 2,937 |  |  | $ | — |  |  | $ | 2,613 |  |  |  |  |  |  | $ | 6,355 |
Collectively evaluated for impairment |  |  | 40,492 |  |  |  | 84,720 |  |  |  | 24,628 |  |  |  | 138,005 |  |  |  | 9,948 |  |  |  | 93,079 |  |  |  |  |  |  |  | 390,872 |
Ending balance |  | $ | 40,881 |  |  | $ | 85,082 |  |  | $ | 24,682 |  |  | $ | 140,942 |  |  | $ | 9,948 |  |  | $ | 95,692 |  |  |  |  |  |  | $ | 397,227 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |
Schedule of the bank's credit exposure | Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category
|  | Agricultural |  |  | Commercial and Industrial |  |  | Commercial Real Estate |
(Dollars in thousands) |  | June 30, |  |  | December 31, |  |  | June 30, |  |  | December 31, |  |  | June 30, |  |  | December 31, |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Risk ratings 1 and 2 |  | $ | 12,032 |  |  | $ | 15,300 |  |  | $ | 12,759 |  |  | $ | 11,972 |  |  | $ | 9,208 |  |  | $ | 7,962 |
Risk rating 3 |  |  | 17,950 |  |  |  | 23,938 |  |  |  | 41,464 |  |  |  | 50,266 |  |  |  | 88,377 |  |  |  | 89,173 |
Risk rating 4 |  |  | 9,829 |  |  |  | 9,082 |  |  |  | 27,666 |  |  |  | 23,961 |  |  |  | 37,280 |  |  |  | 36,193 |
Risk rating 5 |  |  | 681 |  |  |  | 211 |  |  |  | 2,846 |  |  |  | 5,204 |  |  |  | 2,469 |  |  |  | 4,850 |
Risk rating 6 |  |  | 389 |  |  |  | 578 |  |  |  | 347 |  |  |  | 3 |  |  |  | 3,608 |  |  |  | 1,275 |
|  | $ | 40,881 |  |  | $ | 49,109 |  |  | $ | 85,082 |  |  | $ | 91,406 |  |  | $ | 140,942 |  |  | $ | 139,453 |
Corporate Credit Exposure - Credit Risk Profile Based On Payment Activity
|  | Consumer |  |  | Construction Real Estate |  |  | Residential Real Estate |
(Dollars in thousands) |  | June 30, |  |  | December 31, |  |  | June 30, |  |  | December 31, |  |  | June 30, |  |  | December 31, |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Performing |  | $ | 24,640 |  |  | $ | 24,320 |  |  | $ | 9,948 |  |  | $ | 8,843 |  |  | $ | 94,775 |  |  | $ | 94,925 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | 42 |  |  |  | 62 |  |  |  | — |  |  |  | — |  |  |  | 917 |  |  |  | 955 |
|  | $ | 24,682 |  |  | $ | 24,382 |  |  | $ | 9,948 |  |  | $ | 8,843 |  |  | $ | 95,692 |  |  | $ | 95,880 |
Schedule of troubled debt restructurings | The following schedule provides information on loans that were considered TDRs that were modified during the three- and six-month periods ended June 30, 2019 and June 30, 2018:
|  | Three Months Ended June 30, 2019 |  |  | Six Months Ended June 30, 2019 |
|  |  |  |  | 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 |
Commercial real estate |  |  | 2 |  |  | $ | 2,471 |  |  | $ | 2,471 |  |  |  | 2 |  |  | $ | 2,471 |  |  | $ | 2,471 |
Residential real estate |  |  | 1 |  |  |  | 17 |  |  |  | 17 |  |  |  | 1 |  |  |  | 17 |  |  |  | 17 |
|  |  | 3 |  |  | $ | 2,488 |  |  | $ | 2,488 |  |  |  | 3 |  |  | $ | 2,488 |  |  | $ | 2,488 |
|  | Three Months Ended June 30, 2018 |  |  | Six Months Ended June 30, 2018 |
|  |  |  |  | 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 |
Commercial and industrial |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 39 |  |  | $ | 39 |
The following schedule provides information on TDRs as of June 30, 2019 and 2018 where the borrower was past due with respect to principal and/or interest for 30 days or more during the three and six-month periods ended June 30, 2019 and June 30, 2018 that had been modified during the year prior to the default:
|  | Three Months Ended |  |  | Six Months Ended |
|  | June 30, 2019 |  |  | June 30, 2019 |
(Dollars in thousands) |  | Number |  |  | Recorded |  |  | Number |  |  | Recorded |
|  | of Loans |  |  | Investment |  |  | of Loans |  |  | Investment |
Commercial real estate |  |  | 2 |  |  | $ | 2,471 |  |  |  | 2 |  |  | $ | 2,471 |
|  | Three Months Ended |  |  | Six Months Ended |
|  | June 30, 2018 |  |  | June 30, 2018 |
(Dollars in thousands) |  | Number |  |  | Recorded |  |  | Number |  |  | Recorded |
|  | of Loans |  |  | Investment |  |  | of Loans |  |  | Investment |
Commercial and industrial |  |  | 1 |  |  | $ | 39 |  |  |  | 1 |  |  | $ | 39 |
Schedule of impaired loans | Impaired loans by loan category follow:
|  |  |  |  | Unpaid |  |  |  |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |
|  | Investment |  |  | Balance |  |  | Allowance |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate |  |  | 115 |  |  |  | 115 |  |  |  | — |
Total |  |  | 115 |  |  |  | 115 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 389 |  |  |  | 469 |  |  |  | 80 |
Commercial and industrial |  |  | 362 |  |  |  | 446 |  |  |  | 84 |
Consumer |  |  | 54 |  |  |  | 64 |  |  |  | 10 |
Commercial real estate |  |  | 2,937 |  |  |  | 3,542 |  |  |  | 605 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate |  |  | 2,498 |  |  |  | 2,656 |  |  |  | 159 |
Total |  |  | 6,240 |  |  |  | 7,177 |  |  |  | 938 |
Total |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 389 |  |  |  | 469 |  |  |  | 80 |
Commercial and industrial |  |  | 362 |  |  |  | 446 |  |  |  | 84 |
Consumer |  |  | 54 |  |  |  | 64 |  |  |  | 10 |
Commercial real estate |  |  | 2,937 |  |  |  | 3,542 |  |  |  | 605 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate |  |  | 2,613 |  |  |  | 2,771 |  |  |  | 159 |
Total |  | $ | 6,355 |  |  | $ | 7,292 |  |  | $ | 938 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 185 |  |  | $ | 185 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |
Consumer |  |  | 1 |  |  |  | 1 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 73 |  |  |  | 109 |  |  |  | — |
Residential real estate |  |  | 250 |  |  |  | 261 |  |  |  | — |
Total |  |  | 509 |  |  |  | 556 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 393 |  |  |  | 440 |  |  |  | 94 |
Commercial and industrial |  |  | 21 |  |  |  | 21 |  |  |  | 3 |
Consumer |  |  | 89 |  |  |  | 89 |  |  |  | 13 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 550 |  |  |  | 609 |  |  |  | 20 |
Residential real estate |  |  | 2,462 |  |  |  | 2,494 |  |  |  | 167 |
Total |  |  | 3,515 |  |  |  | 3,653 |  |  |  | 297 |
Total |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 578 |  |  |  | 625 |  |  |  | 94 |
Commercial and industrial |  |  | 21 |  |  |  | 21 |  |  |  | 3 |
Consumer |  |  | 90 |  |  |  | 90 |  |  |  | 13 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 623 |  |  |  | 718 |  |  |  | 20 |
Residential real estate |  |  | 2,712 |  |  |  | 2,755 |  |  |  | 167 |
Total |  | $ | 4,024 |  |  | $ | 4,209 |  |  | $ | 297 |
The following schedule provides information regarding average balances of impaired loans and interest recognized on impaired loans for the six months ended June 30, 2019 and 2018:
|  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
June 30, 2019 |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |
Agricultural |  | $ | 62 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | 10 |
Consumer |  |  | — |  |  |  | — |
Commercial real estate |  |  | 49 |  |  |  | 75 |
Residential real estate |  |  | 174 |  |  |  | 54 |
Total |  |  | 285 |  |  |  | 139 |
With an allowance recorded |  |  |  |  |  |  |  |
Agricultural |  |  | 390 |  |  |  | — |
Commercial and industrial |  |  | 136 |  |  |  | — |
Consumer |  |  | 69 |  |  |  | — |
Commercial real estate |  |  | 1,340 |  |  |  | — |
Residential real estate |  |  | 2,498 |  |  |  | — |
Total |  |  | 4,433 |  |  |  | 0 |
Total |  |  |  |  |  |  |  |
Agricultural |  |  | 452 |  |  |  | — |
Commercial and industrial |  |  | 136 |  |  |  | 10 |
Consumer |  |  | 69 |  |  |  | — |
Commercial real estate |  |  | 1,389 |  |  |  | 75 |
Residential real estate |  |  | 2,672 |  |  |  | 54 |
Total |  | $ | 4,718 |  |  | $ | 139 |
|  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
June 30, 2018 |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |
Agricultural |  | $ | 423 |  |  | $ | — |
Commercial and industrial |  |  | 20 |  |  |  | 2 |
Consumer |  |  | 3 |  |  |  | — |
Commercial real estate |  |  | 79 |  |  |  | — |
Residential real estate |  |  | 137 |  |  |  | 1 |
Total |  |  | 662 |  |  |  | 3 |
With an allowance recorded |  |  |  |  |  |  |  |
Agricultural |  |  | — |  |  |  | — |
Commercial and industrial |  |  | 215 |  |  |  | 8 |
Consumer |  |  | 43 |  |  |  | 1 |
Commercial real estate |  |  | 733 |  |  |  | 22 |
Residential real estate |  |  | 2,633 |  |  |  | 63 |
Total |  |  | 3,624 |  |  |  | 94 |
Total |  |  |  |  |  |  |  |
Agricultural |  |  | 423 |  |  |  | — |
Commercial and industrial |  |  | 235 |  |  |  | 10 |
Consumer |  |  | 46 |  |  |  | 1 |
Commercial real estate |  |  | 812 |  |  |  | 22 |
Residential real estate |  |  | 2,770 |  |  |  | 64 |
Total |  | $ | 4,286 |  |  | $ | 97 |
Schedule of aging analysis of loans by loan category | An aging analysis of loans by loan category follows:
|  |  |  |  |  |  |  | Greater |  |  |  |  |  |  |  |  |  |  |  | 90 Days Past |
(Dollars in thousands) |  | 30 to 59 |  |  | 60 to 89 |  |  | Than 90 |  |  |  |  |  | Loans Not |  |  |  |  |  | Due and |
|  | Days |  |  | Days |  |  | Days (1) |  |  | Total |  |  | Past Due |  |  | Total Loans |  |  | Accruing |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 40,881 |  |  | $ | 40,881 |  |  | $ | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 85,082 |  |  |  | 85,082 |  |  |  | — |
Consumer |  |  | 77 |  |  |  | 6 |  |  |  | 5 |  |  |  | 88 |  |  |  | 24,594 |  |  |  | 24,682 |  |  |  | — |
Commercial real estate |  |  | 1,372 |  |  |  | 1,099 |  |  |  | — |  |  |  | 2,471 |  |  |  | 138,471 |  |  |  | 140,942 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,948 |  |  |  | 9,948 |  |  |  | — |
Residential real estate |  |  | 660 |  |  |  | 250 |  |  |  | 124 |  |  |  | 1,034 |  |  |  | 94,658 |  |  |  | 95,692 |  |  |  | — |
|  | $ | 2,109 |  |  | $ | 1,355 |  |  | $ | 129 |  |  | $ | 3,593 |  |  | $ | 393,634 |  |  | $ | 397,227 |  |  | $ | — |
December 31, 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 |  |  | $ | — |
(1) Includes nonaccrual loans.
Schedule of nonaccrual loans by loan category | Nonaccrual loans by loan category follow:
(Dollars in thousands) |  | June 30, |  |  | December 31, |
|  | 2019 |  |  | 2018 |
Agricultural |  | $ | 389 |  |  | $ | 393 |
Commercial and industrial |  |  | 346 |  |  |  | — |
Consumer |  |  | 42 |  |  |  | 62 |
Commercial real estate |  |  | 2,516 |  |  |  | 123 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 917 |  |  |  | 954 |
|  | $ | 4,210 |  |  | $ | 1,532

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