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v3.19.3

LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 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 September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 362 |  |  | $ | 818 |  |  | $ | 335 |  |  | $ | 2,398 |  |  | $ | 43 |  |  | $ | 522 |  |  | $ | 323 |  |  | $ | 4,801 |
Charge-offs |  |  | — |  |  |  | (81 | ) |  |  | (71 | ) |  |  | (589 | ) |  |  | — |  |  |  | (11 | ) |  |  | — |  |  |  | (752 | )
Recoveries |  |  | — |  |  |  | 1 |  |  |  | 25 |  |  |  | 16 |  |  |  | — |  |  |  | 5 |  |  |  | — |  |  |  | 47 |
Provision |  |  | 111 |  |  |  | (87 | ) |  |  | (27 | ) |  |  | (182 | ) |  |  | 5 |  |  |  | (80 | ) |  |  | 260 |  |  |  | — |
Ending balance |  | $ | 473 |  |  | $ | 651 |  |  | $ | 262 |  |  | $ | 1,643 |  |  | $ | 48 |  |  | $ | 436 |  |  | $ | 583 |  |  | $ | 4,096 |
Nine Months Ended September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 481 |  |  | $ | 892 |  |  | $ | 254 |  |  | $ | 1,926 |  |  | $ | 38 |  |  | $ | 537 |  |  | $ | 545 |  |  | $ | 4,673 |
Charge-offs |  |  | — |  |  |  | (83 | ) |  |  | (222 | ) |  |  | (589 | ) |  |  | — |  |  |  | (25 | ) |  |  | — |  |  |  | (919 | )
Recoveries |  |  | 65 |  |  |  | 21 |  |  |  | 113 |  |  |  | 22 |  |  |  | — |  |  |  | 121 |  |  |  | — |  |  |  | 342 |
Provision |  |  | (73 | ) |  |  | (179 | ) |  |  | 117 |  |  |  | 284 |  |  |  | 10 |  |  |  | (197 | ) |  |  | 38 |  |  |  | — |
Ending balance |  | $ | 473 |  |  | $ | 651 |  |  | $ | 262 |  |  | $ | 1,643 |  |  | $ | 48 |  |  | $ | 436 |  |  | $ | 583 |  |  | $ | 4,096 |
Individually evaluated for impairment |  | $ | 85 |  |  | $ | 2 |  |  | $ | 4 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 186 |  |  | $ | — |  |  | $ | 291 |
Collectively evaluated for impairment |  | $ | 388 |  |  | $ | 649 |  |  | $ | 258 |  |  | $ | 1,629 |  |  | $ | 48 |  |  | $ | 250 |  |  | $ | 583 |  |  | $ | 3,805 |
Three Months Ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 359 |  |  | $ | 970 |  |  | $ | 205 |  |  | $ | 1,911 |  |  | $ | 16 |  |  | $ | 620 |  |  | $ | 578 |  |  | $ | 4,659 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | (62 | ) |  |  | — |  |  |  | — |  |  |  | (13 | ) |  |  | — |  |  |  | (75 | )
Recoveries |  |  | — |  |  |  | 4 |  |  |  | 22 |  |  |  | 2 |  |  |  | — |  |  |  | 10 |  |  |  | — |  |  |  | 38 |
Provision |  |  | 5 |  |  |  | (25 | ) |  |  | 59 |  |  |  | 37 |  |  |  | 15 |  |  |  | — |  |  |  | (91 | ) |  |  | — |
Ending balance |  | $ | 364 |  |  | $ | 949 |  |  | $ | 224 |  |  | $ | 1,950 |  |  | $ | 31 |  |  | $ | 617 |  |  | $ | 487 |  |  | $ | 4,622 |
Nine Months Ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 506 |  |  | $ | 1,001 |  |  | $ | 262 |  |  | $ | 1,761 |  |  | $ | 35 |  |  | $ | 726 |  |  | $ | 286 |  |  | $ | 4,577 |
Charge-offs |  |  | — |  |  |  | (58 | ) |  |  | (180 | ) |  |  | — |  |  |  | — |  |  |  | (25 | ) |  |  | — |  |  |  | (263 | )
Recoveries |  |  | — |  |  |  | 57 |  |  |  | 73 |  |  |  | 61 |  |  |  | — |  |  |  | 82 |  |  |  | — |  |  |  | 273 |
Provision |  |  | (142 | ) |  |  | (51 | ) |  |  | 69 |  |  |  | 128 |  |  |  | (4 | ) |  |  | (166 | ) |  |  | 201 |  |  |  | 35 |
Ending balance |  | $ | 364 |  |  | $ | 949 |  |  | $ | 224 |  |  | $ | 1,950 |  |  | $ | 31 |  |  | $ | 617 |  |  | $ | 487 |  |  | $ | 4,622 |
Individually evaluated for impairment |  | $ | 13 |  |  | $ | 18 |  |  | $ | 19 |  |  | $ | 27 |  |  | $ | — |  |  | $ | 180 |  |  | $ | — |  |  | $ | 257 |
Collectively evaluated for impairment |  | $ | 351 |  |  | $ | 931 |  |  | $ | 205 |  |  | $ | 1,923 |  |  | $ | 31 |  |  | $ | 437 |  |  | $ | 487 |  |  | $ | 4,365 |
Loans September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 389 |  |  | $ | 279 |  |  | $ | 20 |  |  | $ | 2,331 |  |  | $ | — |  |  | $ | 2,646 |  |  |  |  |  |  | $ | 5,665 |
Collectively evaluated for impairment |  |  | 49,668 |  |  |  | 81,252 |  |  |  | 24,388 |  |  |  | 141,975 |  |  |  | 11,188 |  |  |  | 92,670 |  |  |  |  |  |  |  | 401,141 |
Ending balance |  | $ | 50,057 |  |  | $ | 81,531 |  |  | $ | 24,408 |  |  | $ | 144,306 |  |  | $ | 11,188 |  |  | $ | 95,316 |  |  |  |  |  |  | $ | 406,806 |
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 | Information regarding the Bank’s credit exposure is as follows: Corporate Credit Exposure - Credit Risk Profile By Creditworthiness Category
|  | Agricultural |  |  | Commercial and Industrial |  |  | Commercial Real Estate |
(Dollars in thousands) |  | September 30, |  |  | December 31, |  |  | September 30, |  |  | December 31, |  |  | September 30, |  |  | December 31, |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Risk ratings 1 and 2 |  | $ | 14,214 |  |  | $ | 15,300 |  |  | $ | 7,138 |  |  | $ | 11,972 |  |  | $ | 9,137 |  |  | $ | 7,962 |
Risk rating 3 |  |  | 16,376 |  |  |  | 23,938 |  |  |  | 39,317 |  |  |  | 50,266 |  |  |  | 89,117 |  |  |  | 89,173 |
Risk rating 4 |  |  | 18,074 |  |  |  | 9,082 |  |  |  | 32,002 |  |  |  | 23,961 |  |  |  | 40,952 |  |  |  | 36,193 |
Risk rating 5 |  |  | 1,004 |  |  |  | 211 |  |  |  | 2,795 |  |  |  | 5,204 |  |  |  | 2,156 |  |  |  | 4,850 |
Risk rating 6 |  |  | 389 |  |  |  | 578 |  |  |  | 279 |  |  |  | 3 |  |  |  | 2,944 |  |  |  | 1,275 |
|  | $ | 50,057 |  |  | $ | 49,109 |  |  | $ | 81,531 |  |  | $ | 91,406 |  |  | $ | 144,306 |  |  | $ | 139,453 |
Corporate Credit Exposure - Credit Risk Profile Based On Payment Activity
|  | Consumer |  |  | Construction Real Estate |  |  | Residential Real Estate |
(Dollars in thousands) |  | September 30, |  |  | December 31, |  |  | September 30, |  |  | December 31, |  |  | September 30, |  |  | December 31, |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Performing |  | $ | 24,400 |  |  | $ | 24,320 |  |  | $ | 11,188 |  |  | $ | 8,843 |  |  | $ | 94,343 |  |  | $ | 94,925 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | 8 |  |  |  | 62 |  |  |  | — |  |  |  | — |  |  |  | 973 |  |  |  | 955 |
|  | $ | 24,408 |  |  | $ | 24,382 |  |  | $ | 11,188 |  |  | $ | 8,843 |  |  | $ | 95,316 |  |  | $ | 95,880 |
Schedule of troubled debt restructurings | The following schedule provides information on loans that were considered TDRs that were modified during the nine-month periods ended September 30, 2019 and September 30, 2018:
|  | Three Months Ended September 30, 2019 |  |  | Nine Months Ended September 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 |  |  | $ | 1,882 |  |  | $ | 1,882 |
Residential real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 17 |  |  |  | 17 |
|  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 3 |  |  | $ | 1,899 |  |  | $ | 1,899 |
|  | Three Months Ended September 30, 2018 |  |  | Nine Months Ended September 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 |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
The following schedule provides information on TDRs as of September 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 nine-month periods ended September 30, 2019 and September 30, 2018 that had been modified during the year prior to the default:
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, 2019 |  |  | September 30, 2019 |
(Dollars in thousands) |  | Number |  |  | Recorded |  |  | Number |  |  | Recorded |
|  | of Loans |  |  | Investment |  |  | of Loans |  |  | Investment |
Commercial real estate |  |  | 2 |  |  | $ | 1,882 |  |  |  | 2 |  |  | $ | 1,882 |
|  | Three Months Ended |  |  | Nine Months Ended |
|  | September 30, 2018 |  |  | September 30, 2018 |
(Dollars in thousands) |  | Number |  |  | Recorded |  |  | Number |  |  | Recorded |
|  | of Loans |  |  | Investment |  |  | of Loans |  |  | Investment |
Commercial and industrial |  |  | — |  |  | $ | — |  |  |  | — |  |  | $ | — |
Schedule of impaired loans | Impaired loans by loan category follow:
|  |  |  |  | Unpaid |  |  |  |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |
|  | Investment |  |  | Balance |  |  | Allowance |
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial and industrial |  |  | 259 |  |  |  | 259 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 1,882 |  |  |  | 1,882 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate |  |  | 103 |  |  |  | 103 |  |  |  | — |
Total |  |  | 2,244 |  |  |  | 2,244 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 389 |  |  |  | 474 |  |  |  | 85 |
Commercial and industrial |  |  | 20 |  |  |  | 22 |  |  |  | 2 |
Consumer |  |  | 20 |  |  |  | 24 |  |  |  | 4 |
Commercial real estate |  |  | 449 |  |  |  | 462 |  |  |  | 14 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate |  |  | 2,543 |  |  |  | 2,729 |  |  |  | 186 |
Total |  |  | 3,421 |  |  |  | 3,711 |  |  |  | 291 |
Total |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 389 |  |  |  | 474 |  |  |  | 85 |
Commercial and industrial |  |  | 279 |  |  |  | 281 |  |  |  | 2 |
Consumer |  |  | 20 |  |  |  | 24 |  |  |  | 4 |
Commercial real estate |  |  | 2,331 |  |  |  | 2,344 |  |  |  | 14 |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |
Residential real estate |  |  | 2,646 |  |  |  | 2,832 |  |  |  | 186 |
Total |  | $ | 5,665 |  |  | $ | 5,955 |  |  | $ | 291 |
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 three- and nine-month periods ended September 30, 2019 and 2018:
|  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
Three months ended September 30, 2019 |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |
Commercial and industrial |  |  | 129 |  |  |  | — |
Consumer |  |  | — |  |  |  | — |
Commercial real estate |  |  | 941 |  |  |  | — |
Residential real estate |  |  | 109 |  |  |  | 1 |
Total |  |  | 1,179 |  |  |  | 1 |
With an allowance recorded |  |  |  |  |  |  |  |
Agricultural |  |  | 389 |  |  |  | — |
Commercial and industrial |  |  | 191 |  |  |  | — |
Consumer |  |  | 37 |  |  |  | 1 |
Commercial real estate |  |  | 1,693 |  |  |  | 13 |
Residential real estate |  |  | 2,521 |  |  |  | 48 |
Total |  |  | 4,831 |  |  |  | 62 |
Total |  |  |  |  |  |  |  |
Agricultural |  |  | 389 |  |  |  | — |
Commercial and industrial |  |  | 320 |  |  |  | — |
Consumer |  |  | 37 |  |  |  | 1 |
Commercial real estate |  |  | 2,634 |  |  |  | 13 |
Residential real estate |  |  | 2,630 |  |  |  | 49 |
Total |  | $ | 6,010 |  |  | $ | 63 |
|  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
Three months ended September 30, 2018 |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |
Agricultural |  | $ | 211 |  |  | $ | — |
Commercial and industrial |  |  | 73 |  |  |  | 3 |
Consumer |  |  | — |  |  |  | — |
Commercial real estate |  |  | 134 |  |  |  | — |
Construction real estate |  |  | 65 |  |  |  | — |
Residential real estate |  |  | 168 |  |  |  | — |
Total |  |  | 651 |  |  |  | 3 |
With an allowance recorded |  |  |  |  |  |  |  |
Agricultural |  |  | 206 |  |  |  | — |
Commercial and industrial |  |  | 521 |  |  |  | 8 |
Consumer |  |  | 68 |  |  |  | 3 |
Commercial real estate |  |  | 739 |  |  |  | 20 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 2,418 |  |  |  | 52 |
Total |  |  | 3,952 |  |  |  | 83 |
Total |  |  |  |  |  |  |  |
Agricultural |  |  | 417 |  |  |  | — |
Commercial and industrial |  |  | 594 |  |  |  | 11 |
Consumer |  |  | 68 |  |  |  | 3 |
Commercial real estate |  |  | 873 |  |  |  | 20 |
Construction real estate |  |  | 65 |  |  |  | — |
Residential real estate |  |  | 2,586 |  |  |  | 52 |
Total |  | $ | 4,603 |  |  | $ | 86 |
|  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
Nine months ended September 30, 2019 |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |
Agricultural |  | $ | 46 |  |  | $ | — |
Commercial and industrial |  |  | 65 |  |  |  | 9 |
Consumer |  |  | — |  |  |  | — |
Commercial real estate |  |  | 507 |  |  |  | 61 |
Residential real estate |  |  | 156 |  |  |  | 4 |
Total |  |  | 774 |  |  |  | 74 |
With an allowance recorded |  |  |  |  |  |  |  |
Agricultural |  |  | 390 |  |  |  | — |
Commercial and industrial |  |  | 107 |  |  |  | 2 |
Consumer |  |  | 56 |  |  |  | 1 |
Commercial real estate |  |  | 1,117 |  |  |  | 27 |
Residential real estate |  |  | 2,510 |  |  |  | 112 |
Total |  |  | 4,180 |  |  |  | 142 |
Total |  |  |  |  |  |  |  |
Agricultural |  |  | 436 |  |  |  | — |
Commercial and industrial |  |  | 172 |  |  |  | 11 |
Consumer |  |  | 56 |  |  |  | 1 |
Commercial real estate |  |  | 1,624 |  |  |  | 88 |
Residential real estate |  |  | 2,666 |  |  |  | 116 |
Total |  | $ | 4,954 |  |  | $ | 216 |
|  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |
|  | Investment |  |  | Recognized |
Nine months ended September 30, 2018 |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |
Agricultural |  | $ | 317 |  |  | $ | — |
Commercial and industrial |  |  | 37 |  |  |  | 6 |
Consumer |  |  | 2 |  |  |  | — |
Commercial real estate |  |  | 67 |  |  |  | — |
Construction real estate |  |  | 79 |  |  |  | — |
Residential real estate |  |  | 159 |  |  |  | 2 |
Total |  |  | 661 |  |  |  | 8 |
With an allowance recorded |  |  |  |  |  |  |  |
Agricultural |  |  | 103 |  |  |  | — |
Commercial and industrial |  |  | 364 |  |  |  | 23 |
Consumer |  |  | 52 |  |  |  | 2 |
Commercial real estate |  |  | 728 |  |  |  | 42 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 2,539 |  |  |  | 112 |
Total |  |  | 3,786 |  |  |  | 179 |
Total |  |  |  |  |  |  |  |
Agricultural |  |  | 420 |  |  |  | — |
Commercial and industrial |  |  | 401 |  |  |  | 29 |
Consumer |  |  | 54 |  |  |  | 2 |
Commercial real estate |  |  | 795 |  |  |  | 42 |
Construction real estate |  |  | 79 |  |  |  | — |
Residential real estate |  |  | 2,698 |  |  |  | 114 |
Total |  | $ | 4,447 |  |  | $ | 187 |
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 |
September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 50,057 |  |  | $ | 50,057 |  |  | $ | — |
Commercial and industrial |  |  | 284 |  |  |  | — |  |  |  | 259 |  |  |  | 543 |  |  |  | 80,988 |  |  |  | 81,531 |  |  |  | — |
Consumer |  |  | 43 |  |  |  | 3 |  |  |  | 2 |  |  |  | 48 |  |  |  | 24,360 |  |  |  | 24,408 |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 1,882 |  |  |  | 1,882 |  |  |  | 142,424 |  |  |  | 144,306 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 11,188 |  |  |  | 11,188 |  |  |  | — |
Residential real estate |  |  | 102 |  |  |  | 644 |  |  |  | 201 |  |  |  | 947 |  |  |  | 94,369 |  |  |  | 95,316 |  |  |  | — |
|  | $ | 429 |  |  | $ | 647 |  |  | $ | 2,344 |  |  | $ | 3,420 |  |  | $ | 403,386 |  |  | $ | 406,806 |  |  | $ | — |
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) |  | September 30, |  |  | December 31, |
|  | 2019 |  |  | 2018 |
Agricultural |  | $ | 389 |  |  | $ | 393 |
Commercial and industrial |  |  | 279 |  |  |  | — |
Consumer |  |  | 7 |  |  |  | 62 |
Commercial real estate |  |  | 1,925 |  |  |  | 123 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 973 |  |  |  | 954 |
|  | $ | 3,573 |  |  | $ | 1,532 |

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