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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Schedule of loan portfolio | The Banks’ loan portfolio as of December 31 was as follows:
(Dollars in thousands) |  |  |  |  |  |
|  | 2019 |  |  | 2018 |
Agricultural |  | $ | 57,339 |  |  | $ | 49,109 |
Commercial and industrial |  |  | 148,083 |  |  |  | 91,406 |
Consumer |  |  | 38,854 |  |  |  | 24,382 |
Real estate - commercial |  |  | 326,379 |  |  |  | 139,453 |
Real estate - construction |  |  | 13,411 |  |  |  | 8,843 |
Real estate - residential |  |  | 217,982 |  |  |  | 95,880 |
Loans, gross |  |  | 802,048 |  |  |  | 409,073 |
Allowance for loan losses |  |  | (4,057 | ) |  |  | (4,673 | )
Loans, net |  | $ | 797,991 |  |  | $ | 404,400 |
Schedule of acquisition fair value adjustments | The table below details the acquisition balances of the County Bank Corp acquired portfolio and the acquisition fair value adjustments at acquisition date:
(Dollars in thousands) |  | Acquired |  |  | Acquired |  |  | Acquired |
|  | Impaired |  |  | Non-impaired |  |  | Total |
Loans acquired - contractual payments |  | $ | 7,729 |  |  | $ | 387,394 |  |  | $ | 395,123 |
Nonaccretable difference |  |  | (2,928 | ) |  |  | — |  |  |  | (2,928 | )
Expected cash flows |  |  | 4,801 |  |  |  | 387,394 |  |  |  | 392,195 |
Accretable yield |  |  | (185 | ) |  |  | (1,656 | ) |  |  | (1,841 | )
Carrying balance at acquisition date |  | $ | 4,616 |  |  | $ | 385,738 |  |  | $ | 390,354 |
The table below presents a roll-forward of the accretable yield on acquired loans for the year end December 31, 2019:
(Dollars in thousands) |  | Acquired |  |  | Acquired |  |  | Acquired |
|  | Impaired |  |  | Non-impaired |  |  | Total |
Balance, January 1, 2019 |  | $ | — |  |  | $ | — |  |  | $ | — |
Merger with County Bank Corp on October 1, 2019 |  |  | 185 |  |  |  | 1,656 |  |  |  | 1,841 |
Accretion |  |  | — |  |  |  | (75 | ) |  |  | (75 | )
Reclassification from nonaccretable difference |  |  | — |  |  |  | — |  |  |  | — |
Balance, December 31, 2019 |  | $ | 185 |  |  | $ | 1,581 |  |  | $ | 1,766 |
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 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 481 |  |  | $ | 892 |  |  | $ | 254 |  |  | $ | 1,926 |  |  | $ | 38 |  |  | $ | 537 |  |  | $ | 545 |  |  | $ | 4,673 |
Charge-offs |  |  | — |  |  |  | (83 | ) |  |  | (292 | ) |  |  | (589 | ) |  |  | — |  |  |  | (25 | ) |  |  | — |  |  |  | (989 | )
Recoveries |  |  | 65 |  |  |  | 22 |  |  |  | 136 |  |  |  | 26 |  |  |  | — |  |  |  | 124 |  |  |  | — |  |  |  | 373 |
Provision |  |  | (75 | ) |  |  | (176 | ) |  |  | 172 |  |  |  | 300 |  |  |  | 38 |  |  |  | 4 |  |  |  | (263 | ) |  |  | — |
Ending balance |  | $ | 471 |  |  | $ | 655 |  |  | $ | 270 |  |  | $ | 1,663 |  |  | $ | 76 |  |  | $ | 640 |  |  | $ | 282 |  |  | $ | 4,057 |
Individually evaluated for impairment |  | $ | 103 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 13 |  |  | $ | — |  |  | $ | 235 |  |  | $ | — |  |  | $ | 355 |
Collectively evaluated for impairment |  | $ | 368 |  |  | $ | 655 |  |  | $ | 266 |  |  | $ | 1,650 |  |  | $ | 76 |  |  | $ | 405 |  |  | $ | 282 |  |  | $ | 3,702 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 924 |  |  | $ | 259 |  |  | $ | 17 |  |  | $ | 2,288 |  |  | $ | — |  |  | $ | 2,434 |  |  |  |  |  |  | $ | 5,922 |
Collectively evaluated for impairment |  |  | 56,415 |  |  |  | 141,583 |  |  |  | 38,524 |  |  |  | 323,358 |  |  |  | 13,411 |  |  |  | 215,106 |  |  |  |  |  |  |  | 788,397 |
Acquired with deteriorated credit quality |  |  | — |  |  |  | 6,241 |  |  |  | 313 |  |  |  | 733 |  |  |  | — |  |  |  | 442 |  |  |  |  |  |  |  | 7,729 |
Ending balance |  | $ | 57,339 |  |  | $ | 148,083 |  |  | $ | 38,854 |  |  | $ | 326,379 |  |  | $ | 13,411 |  |  | $ | 217,982 |  |  |  |  |  |  | $ | 802,048 |
(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 |
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 |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Risk ratings 1 and 2 |  | $ | 14,173 |  |  | $ | 15,300 |  |  | $ | 14,920 |  |  | $ | 11,972 |  |  | $ | 11,051 |  |  | $ | 7,962 |
Risk rating 3 |  |  | 27,163 |  |  |  | 23,938 |  |  |  | 105,656 |  |  |  | 50,266 |  |  |  | 271,120 |  |  |  | 89,173 |
Risk rating 4 |  |  | 14,530 |  |  |  | 9,082 |  |  |  | 26,152 |  |  |  | 23,961 |  |  |  | 39,934 |  |  |  | 36,193 |
Risk rating 5 |  |  | 1,094 |  |  |  | 211 |  |  |  | 1,081 |  |  |  | 5,204 |  |  |  | 1,332 |  |  |  | 4,850 |
Risk rating 6 |  |  | 379 |  |  |  | 578 |  |  |  | 274 |  |  |  | 3 |  |  |  | 2,942 |  |  |  | 1,275 |
|  | $ | 57,339 |  |  | $ | 49,109 |  |  | $ | 148,083 |  |  | $ | 91,406 |  |  | $ | 326,379 |  |  | $ | 139,453 |
Consumer Credit Exposure - Credit Risk Profile Based On Payment Activity
(Dollars in thousands) |  | Consumer |  |  | Construction Real Estate |  |  | Residential Real Estate |
|  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |  |  | 2019 |  |  | 2018 |
Performing |  | $ | 38,838 |  |  | $ | 24,320 |  |  | $ | 13,411 |  |  | $ | 8,843 |  |  | $ | 216,651 |  |  | $ | 94,925 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Nonaccrual |  |  | 16 |  |  |  | 62 |  |  |  | — |  |  |  | — |  |  |  | 1,331 |  |  |  | 955 |
|  | $ | 38,854 |  |  | $ | 24,382 |  |  | $ | 13,411 |  |  | $ | 8,843 |  |  | $ | 217,982 |  |  | $ | 95,880 |
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 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | 545 |  |  | $ | 545 |  |  | $ | — |  |  | $ | 146 |  |  | $ | 10 |
Commercial and industrial |  |  | 259 |  |  |  | 340 |  |  |  | — |  |  |  | 104 |  |  |  | 9 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 1,882 |  |  |  | 2,471 |  |  |  | — |  |  |  | 782 |  |  |  | 30 |
Residential real estate |  |  | 42 |  |  |  | 42 |  |  |  | — |  |  |  | 133 |  |  |  | 4 |
Subtotal |  |  | 2,728 |  |  |  | 3,398 |  |  |  | — |  |  |  | 1,165 |  |  |  | 53 |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 379 |  |  |  | 439 |  |  |  | 103 |  |  |  | 388 |  |  |  | — |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 86 |  |  |  | 1 |
Consumer |  |  | 17 |  |  |  | 18 |  |  |  | 4 |  |  |  | 48 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 406 |  |  |  | 406 |  |  |  | 13 |  |  |  | 975 |  |  |  | 32 |
Residential real estate |  |  | 2,392 |  |  |  | 2,460 |  |  |  | 235 |  |  |  | 2,486 |  |  |  | 83 |
Subtotal |  |  | 3,194 |  |  |  | 3,323 |  |  |  | 355 |  |  |  | 3,983 |  |  |  | 116 |
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  |  | 924 |  |  |  | 984 |  |  |  | 103 |  |  |  | 534 |  |  |  | 10 |
Commercial and industrial |  |  | 259 |  |  |  | 340 |  |  |  | — |  |  |  | 190 |  |  |  | 10 |
Consumer |  |  | 17 |  |  |  | 18 |  |  |  | 4 |  |  |  | 48 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 2,288 |  |  |  | 2,877 |  |  |  | 13 |  |  |  | 1,757 |  |  |  | 62 |
Residential real estate |  |  | 2,434 |  |  |  | 2,502 |  |  |  | 235 |  |  |  | 2,619 |  |  |  | 87 |
Total |  | $ | 5,922 |  |  | $ | 6,721 |  |  | $ | 355 |  |  | $ | 5,148 |  |  | $ | 169 |
|  |  |  |  | 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
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 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural |  | $ | — |  |  | $ | 68 |  |  | $ | — |  |  | $ | 68 |  |  | $ | 57,271 |  |  | $ | 57,339 |  |  | $ | — |
Commercial and industrial |  |  | 542 |  |  |  | 15 |  |  |  | 259 |  |  |  | 816 |  |  |  | 147,267 |  |  |  | 148,083 |  |  |  | — |
Consumer |  |  | 121 |  |  |  | 19 |  |  |  | 11 |  |  |  | 151 |  |  |  | 38,703 |  |  |  | 38,854 |  |  |  | — |
Commercial real estate |  |  | — |  |  |  | — |  |  |  | 1,882 |  |  |  | 1,882 |  |  |  | 324,497 |  |  |  | 326,379 |  |  |  | — |
Construction real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,411 |  |  |  | 13,411 |  |  |  | — |
Residential real estate |  |  | 2,466 |  |  |  | 582 |  |  |  | 393 |  |  |  | 3,441 |  |  |  | 214,541 |  |  |  | 217,982 |  |  |  | — |
|  | $ | 3,129 |  |  | $ | 684 |  |  | $ | 2,545 |  |  | $ | 6,358 |  |  | $ | 795,690 |  |  | $ | 802,048 |  |  | $ | — |
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 as of December 31 as follows:
(Dollars in thousands) |  |  |  |  |  |
|  | 2019 |  |  | 2018 |
Agricultural |  | $ | 379 |  |  | $ | 393 |
Commercial and industrial |  |  | 776 |  |  |  | — |
Consumer |  |  | 16 |  |  |  | 62 |
Commercial real estate |  |  | 2,185 |  |  |  | 123 |
Construction real estate |  |  | — |  |  |  | — |
Residential real estate |  |  | 1,331 |  |  |  | 954 |
|  | $ | 4,687 |  |  | $ | 1,532

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