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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2018
Receivables [Abstract] |
Outstanding loans | Outstanding loans are summarized as follows (in thousands):
Loan Type |  | December 31, 2018 |  | % of Total loans |  | December 31, 2017 |  | % of Total loans
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 101,533 |  |  | 11.1 | % |  | $ | 100,856 |  |  | 11.2 | %
Agricultural production |  | 7,998 |  |  | 0.9 | % |  | 14,956 |  |  | 1.7 | %
Total commercial |  | 109,531 |  |  | 12.0 | % |  | 115,812 |  |  | 12.9 | %
Real estate: |  |  |  |  |  |  |  |
Owner occupied |  | 183,169 |  |  | 19.9 | % |  | 204,452 |  |  | 22.7 | %
Real estate construction and other land loans |  | 101,606 |  |  | 11.1 | % |  | 96,460 |  |  | 10.7 | %
Commercial real estate |  | 305,118 |  |  | 33.2 | % |  | 269,254 |  |  | 29.9 | %
Agricultural real estate |  | 76,884 |  |  | 8.4 | % |  | 76,081 |  |  | 8.4 | %
Other real estate |  | 32,799 |  |  | 3.6 | % |  | 31,220 |  |  | 3.5 | %
|  | 699,576 |  |  | 76.2 | % |  | 677,467 |  |  | 75.2 | %
Consumer: |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 69,958 |  |  | 7.6 | % |  | 76,404 |  |  | 8.5 | %
Consumer and installment |  | 38,038 |  |  | 4.2 | % |  | 29,637 |  |  | 3.4 | %
Total consumer |  | 107,996 |  |  | 11.8 | % |  | 106,041 |  |  | 11.9 | %
Net deferred origination costs |  | 1,592 |  |  |  |  | 1,359 |  |  |
Total gross loans |  | 918,695 |  |  | 100.0 | % |  | 900,679 |  |  | 100.0 | %
Allowance for credit losses |  | (9,104 | ) |  |  |  |  | (8,778 | ) |  |  |
Total loans |  | $ | 909,591 |  |  |  |  |  | $ | 891,901 |  |  |  |
Allowance for credit losses | Changes in the allowance for credit losses were as follows (in thousands):
|  | Years Ended December 31,
|  | 2018 |  | 2017 |  | 2016
Balance, beginning of year |  | $ | 8,778 |  |  | $ | 9,326 |  |  | $ | 9,610 |
Provision (reversal) charged to operations |  | 50 |  |  | (1,150 | ) |  | (5,850 | )
Losses charged to allowance |  | (210 | ) |  | (464 | ) |  | (883 | )
Recoveries |  | 486 |  |  | 1,066 |  |  | 6,449 |
Balance, end of year |  | $ | 9,104 |  |  | $ | 8,778 |  |  | $ | 9,326 |
The following table shows the summary of activities for the allowance for credit losses as of and for the years ended December 31, 2018, 2017, and 2016 by portfolio segment (in thousands):
|  | Commercial |  | Real Estate |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2018 |  | $ | 2,071 |  |  | $ | 5,795 |  |  | $ | 825 |  |  | $ | 87 |  |  | $ | 8,778 |
(Reversal) provision charged to operations |  | (513 | ) |  | 642 |  |  | (60 | ) |  | (19 | ) |  | 50 |
Losses charged to allowance |  | (94 | ) |  | — |  |  | (116 | ) |  | — |  |  | (210 | )
Recoveries |  | 207 |  |  | 102 |  |  | 177 |  |  | — |  |  | 486 |
Ending balance, December 31, 2018 |  | $ | 1,671 |  |  | $ | 6,539 |  |  | $ | 826 |  |  | $ | 68 |  |  | $ | 9,104 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2017 |  | $ | 2,180 |  |  | $ | 6,200 |  |  | $ | 852 |  |  | $ | 94 |  |  | $ | 9,326 |
(Reversal) provision charged to operations |  | (762 | ) |  | (449 | ) |  | 68 |  |  | (7 | ) |  | (1,150 | )
Losses charged to allowance |  | (207 | ) |  | (22 | ) |  | (235 | ) |  | — |  |  | (464 | )
Recoveries |  | 860 |  |  | 66 |  |  | 140 |  |  | — |  |  | 1,066 |
Ending balance, December 31, 2017 |  | $ | 2,071 |  |  | $ | 5,795 |  |  | $ | 825 |  |  | $ | 87 |  |  | $ | 8,778 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2016 |  | $ | 3,562 |  |  | $ | 5,204 |  |  | $ | 734 |  |  | $ | 110 |  |  | $ | 9,610 |
(Reversal) provision charged to operations |  | (6,048 | ) |  | 11 |  |  | 203 |  |  | (16 | ) |  | (5,850 | )
Losses charged to allowance |  | (621 | ) |  | — |  |  | (262 | ) |  | — |  |  | (883 | )
Recoveries |  | 5,287 |  |  | 985 |  |  | 177 |  |  | — |  |  | 6,449 |
Ending balance, December 31, 2016 |  | $ | 2,180 |  |  | $ | 6,200 |  |  | $ | 852 |  |  | $ | 94 |  |  | $ | 9,326 |
The following is a summary of the allowance for credit losses by impairment methodology and portfolio segment as of December 31, 2018 and December 31, 2017 (in thousands):
|  | Commercial |  | Real Estate |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, December 31, 2018 |  | $ | 1,671 |  |  | $ | 6,539 |  |  | $ | 826 |  |  | $ | 68 |  |  | $ | 9,104 |
Ending balance: individually evaluated for impairment |  | $ | 9 |  |  | $ | 27 |  |  | $ | 54 |  |  | $ | — |  |  | $ | 90 |
Ending balance: collectively evaluated for impairment |  | $ | 1,662 |  |  | $ | 6,512 |  |  | $ | 772 |  |  | $ | 68 |  |  | $ | 9,014 |
Ending balance, December 31, 2017 |  | $ | 2,071 |  |  | $ | 5,795 |  |  | $ | 825 |  |  | $ | 87 |  |  | $ | 8,778 |
Ending balance: individually evaluated for impairment |  | $ | 1 |  |  | $ | 1 |  |  | $ | 34 |  |  | $ | — |  |  | $ | 36 |
Ending balance: collectively evaluated for impairment |  | $ | 2,070 |  |  | $ | 5,794 |  |  | $ | 791 |  |  | $ | 87 |  |  | $ | 8,742 |
Loans by impairment methdology | The following table shows the ending balances of loans as of December 31, 2018 and December 31, 2017 by portfolio segment and by impairment methodology (in thousands):
|  | Commercial |  | Real Estate |  | Consumer |  | Total
Loans: |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, December 31, 2018 |  | $ | 109,531 |  |  | $ | 699,576 |  |  | $ | 107,996 |  |  | $ | 917,103 |
Ending balance: individually evaluated for impairment |  | $ | 348 |  |  | $ | 4,215 |  |  | $ | 1,346 |  |  | $ | 5,909 |
Ending balance: collectively evaluated for impairment |  | $ | 109,183 |  |  | $ | 695,361 |  |  | $ | 106,650 |  |  | $ | 911,194 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, December 31, 2017 |  | $ | 115,812 |  |  | $ | 677,467 |  |  | $ | 106,041 |  |  | $ | 899,320 |
Ending balance: individually evaluated for impairment |  | $ | 377 |  |  | $ | 4,846 |  |  | $ | 1,143 |  |  | $ | 6,366 |
Ending balance: collectively evaluated for impairment |  | $ | 115,435 |  |  | $ | 672,621 |  |  | $ | 104,898 |  |  | $ | 892,954 |
Loan portfolio by internal risk rating | The following table shows the loan portfolio by class allocated by management’s internal risk ratings at December 31, 2018 (in thousands):
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 86,876 |  |  | $ | 12,072 |  |  | $ | 2,585 |  |  | $ | — |  |  | $ | 101,533 |
Agricultural production |  | 5,955 |  |  | 2,043 |  |  | — |  |  | — |  |  | 7,998 |
Real Estate: |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 179,214 |  |  | 3,056 |  |  | 899 |  |  | — |  |  | 183,169 |
Real estate construction and other land loans |  | 95,301 |  |  | 3,270 |  |  | 3,035 |  |  | — |  |  | 101,606 |
Commercial real estate |  | 298,714 |  |  | 5,268 |  |  | 1,136 |  |  | — |  |  | 305,118 |
Agricultural real estate |  | 57,544 |  |  | 165 |  |  | 19,175 |  |  | — |  |  | 76,884 |
Other real estate |  | 32,799 |  |  | — |  |  | — |  |  | — |  |  | 32,799 |
Consumer: |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 68,016 |  |  | 380 |  |  | 1,562 |  |  | — |  |  | 69,958 |
Consumer and installment |  | 38,036 |  |  | — |  |  | 2 |  |  | — |  |  | 38,038 |
Total |  | $ | 862,455 |  |  | $ | 26,254 |  |  | $ | 28,394 |  |  | $ | — |  |  | $ | 917,103 |
The following table shows the loan portfolio by class allocated by management’s internally assigned risk grade ratings at December 31, 2017 (in thousands):
|  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 84,745 |  |  | $ | 8,217 |  |  | $ | 7,894 |  |  | $ | — |  |  | $ | 100,856 |
Agricultural production |  | 10,848 |  |  | 206 |  |  | 3,902 |  |  | — |  |  | 14,956 |
Real Estate: |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 196,838 |  |  | 4,795 |  |  | 2,819 |  |  | — |  |  | 204,452 |
Real estate construction and other land loans |  | 90,927 |  |  | 1,625 |  |  | 3,908 |  |  | — |  |  | 96,460 |
Commercial real estate |  | 261,746 |  |  | 4,147 |  |  | 3,361 |  |  | — |  |  | 269,254 |
Agricultural real estate |  | 48,274 |  |  | 1,270 |  |  | 26,537 |  |  | — |  |  | 76,081 |
Other real estate |  | 29,867 |  |  | 1,165 |  |  | 188 |  |  | — |  |  | 31,220 |
Consumer: |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 74,535 |  |  | 483 |  |  | 1,386 |  |  | — |  |  | 76,404 |
Consumer and installment |  | 29,634 |  |  | — |  |  | 3 |  |  | — |  |  | 29,637 |
Total |  | $ | 827,414 |  |  | $ | 21,908 |  |  | $ | 49,998 |  |  | $ | — |  |  | $ | 899,320 |
Loan portfolio by time past due | The following table shows an aging analysis of the loan portfolio by class and the time past due at December 31, 2018 (in thousands):
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days Accruing |  | Non-accrual
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 255 |  |  | $ | — |  |  | $ | — |  |  | $ | 255 |  |  | $ | 101,278 |  |  | $ | 101,533 |  |  | $ | — |  |  | $ | 298 |
Agricultural production |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,998 |  |  | 7,998 |  |  | — |  |  | — |
Real estate: |  | — |  |  |  |  |  |  |  |  |  |  |  | — |  |  | — |  |  |  |  |  |
Owner occupied |  | 215 |  |  | — |  |  | — |  |  | 215 |  |  | 182,954 |  |  | 183,169 |  |  | — |  |  | 215 |
Real estate construction and other land loans |  | — |  |  | — |  |  | 1,439 |  |  | 1,439 |  |  | 100,167 |  |  | 101,606 |  |  | — |  |  | 1,439 |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 305,118 |  |  | 305,118 |  |  | — |  |  | 418 |
Agricultural real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 76,884 |  |  | 76,884 |  |  | — |  |  | — |
Other real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 32,799 |  |  | 32,799 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  | — |  |  | — |  |  |  |  |  |
Equity loans and lines of credit |  | 953 |  |  | — |  |  | — |  |  | 953 |  |  | 69,005 |  |  | 69,958 |  |  | — |  |  | 370 |
Consumer and installment |  | 7 |  |  | — |  |  | — |  |  | 7 |  |  | 38,031 |  |  | 38,038 |  |  | — |  |  | — |
Total |  | $ | 1,430 |  |  | $ | — |  |  | $ | 1,439 |  |  | $ | 2,869 |  |  | $ | 914,234 |  |  | $ | 917,103 |  |  | $ | — |  |  | $ | 2,740 |
The following table shows an aging analysis of the loan portfolio by class and the time past due at December 31, 2017 (in thousands):
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days Accruing |  | Non- accrual
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 100,856 |  |  | $ | 100,856 |  |  | $ | — |  |  | $ | 356 |
Agricultural production |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,956 |  |  | 14,956 |  |  | — |  |  | — |
Real estate: |  | — |  |  |  |  |  |  |  |  |  |  |  |  |  | — |  |  |  |  |  |
Owner occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 204,452 |  |  | 204,452 |  |  | — |  |  | — |
Real estate construction and other land loans |  | — |  |  | — |  |  | 1,397 |  |  | 1,397 |  |  | 95,063 |  |  | 96,460 |  |  | — |  |  | 1,397 |
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 269,254 |  |  | 269,254 |  |  | — |  |  | 976 |
Agricultural real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 76,081 |  |  | 76,081 |  |  | — |  |  | — |
Other real estate |  | — |  |  | 1,165 |  |  | — |  |  | 1,165 |  |  | 30,055 |  |  | 31,220 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | — |  |  |  |  |  |
Equity loans and lines of credit |  | 149 |  |  | — |  |  | — |  |  | 149 |  |  | 76,255 |  |  | 76,404 |  |  | — |  |  | 146 |
Consumer and installment |  | 26 |  |  | — |  |  | — |  |  | 26 |  |  | 29,611 |  |  | 29,637 |  |  | — |  |  | — |
Total |  | $ | 175 |  |  | $ | 1,165 |  |  | $ | 1,397 |  |  | $ | 2,737 |  |  | $ | 896,583 |  |  | $ | 899,320 |  |  | $ | — |  |  | $ | 2,875 |
Impaired loans | The following table shows information related to impaired loans by class at December 31, 2018 (in thousands):
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 259 |  |  | $ | 493 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |
Owner occupied |  | 215 |  |  | 215 |  |  | — |
Real estate construction and other land loans |  | 2,613 |  |  | 2,676 |  |  | — |
Commercial real estate |  | 1,182 |  |  | 1,414 |  |  | — |
Total real estate |  | 4,010 |  |  | 4,305 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 248 |  |  | 285 |  |  | — |
Total with no related allowance recorded |  | 4,517 |  |  | 5,083 |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 89 |  |  | 90 |  |  | 9 |
Real estate: |  |  |  |  |  |  |  |  |
Commercial real estate |  | 161 |  |  | 162 |  |  | 27 |
Agricultural real estate |  | 44 |  |  | 44 |  |  | — |
Total real estate |  | 205 |  |  | 206 |  |  | 27 |
Consumer: |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 1,098 |  |  | 1,103 |  |  | 54 |
Total with an allowance recorded |  | 1,392 |  |  | 1,399 |  |  | 90 |
Total |  | $ | 5,909 |  |  | $ | 6,482 |  |  | $ | 90 |
The recorded investment in loans excludes accrued interest receivable and net loan origination fees, due to immateriality. The following table shows information related to impaired loans by class at December 31, 2017 (in thousands):
|  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 355 |  |  | $ | 553 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |
Real estate construction and other land loans |  | 3,023 |  |  | 3,085 |  |  | — |
Commercial real estate |  | 1,772 |  |  | 2,040 |  |  | — |
Total real estate |  | 4,795 |  |  | 5,125 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 146 |  |  | 206 |  |  | — |
Total with no related allowance recorded |  | 5,296 |  |  | 5,884 |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 22 |  |  | 22 |  |  | 1 |
Real estate: |  |  |  |  |  |  |  |  |
Agricultural real estate |  | 51 |  |  | 51 |  |  | 1 |
Consumer: |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 997 |  |  | 997 |  |  | 34 |
Total with an allowance recorded |  | 1,070 |  |  | 1,070 |  |  | 36 |
Total |  | $ | 6,366 |  |  | $ | 6,954 |  |  | $ | 36 |
The recorded investment in loans excludes accrued interest receivable and net loan origination fees, due to immateriality. The following presents by class, information related to the average recorded investment and interest income recognized on impaired loans for the years ended December 31, 2018, 2017, and 2016 (in thousands):
|  | Year Ended December 31, 2018 |  | Year Ended December 31, 2017 |  | Year Ended December 31, 2016
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 311 |  |  | $ | — |  |  | $ | 404 |  |  | $ | — |  |  | $ | 115 |  |  | $ | — |
Agricultural production |  | — |  |  | — |  |  | — |  |  | — |  |  | 42 |  |  | — |
Total commercial |  | 311 |  |  | — |  |  | 404 |  |  | — |  |  | 157 |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 17 |  |  | — |  |  | 24 |  |  | — |  |  | 162 |  |  | — |
Real estate construction and other land loans |  | 2,857 |  |  | 85 |  |  | 1,228 |  |  | 114 |  |  | 2,393 |  |  | 196 |
Commercial real estate |  | 1,542 |  |  | 51 |  |  | 1,370 |  |  | 53 |  |  | 903 |  |  | 55 |
Agricultural real estate |  | 1,173 |  |  | 159 |  |  | — |  |  | — |  |  | 173 |  |  | — |
Other real estate |  | 702 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate |  | 6,291 |  |  | 295 |  |  | 2,622 |  |  | 167 |  |  | 3,631 |  |  | 251 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 217 |  |  | — |  |  | 132 |  |  | — |  |  | 598 |  |  | — |
Consumer and installment |  | — |  |  | — |  |  | 6 |  |  | — |  |  | 41 |  |  | — |
Total consumer |  | 217 |  |  | — |  |  | 138 |  |  | — |  |  | 639 |  |  | — |
Total with no related allowance recorded |  | 6,819 |  |  | 295 |  |  | 3,164 |  |  | 167 |  |  | 4,427 |  |  | 251 |
|  | — |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  | — |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  | — |
Commercial and industrial |  | 55 |  |  | 4 |  |  | 38 |  |  | 1 |  |  | 441 |  |  | 3 |
Agricultural production |  | — |  |  | — |  |  | — |  |  | — |  |  | 104 |  |  | — |
Total commercial |  | 55 |  |  | 4 |  |  | 38 |  |  | 1 |  |  | 545 |  |  | 3 |
Real estate: |  |  |  |  | — |  |  |  |  | — |  |  |  |  | — |
Owner occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 120 |  |  | — |
Real estate construction and other land loans |  | — |  |  | — |  |  | 1,827 |  |  | — |  |  | 171 |  |  | — |
Commercial real estate |  | 200 |  |  | 12 |  |  | 470 |  |  | — |  |  | 548 |  |  | — |
Agricultural real estate |  | 49 |  |  | 3 |  |  | 43 |  |  | 3 |  |  | — |  |  | — |
Other real estate |  | 86 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total real estate |  | 335 |  |  | 15 |  |  | 2,340 |  |  | 3 |  |  | 839 |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 1,054 |  |  | 57 |  |  | 239 |  |  | 32 |  |  | 203 |  |  | — |
Consumer and installment |  | 3 |  |  | — |  |  | 1 |  |  | — |  |  | 19 |  |  | — |
Total consumer |  | 1,057 |  |  | 57 |  |  | 240 |  |  | 32 |  |  | 222 |  |  | — |
Total with an allowance recorded |  | 1,447 |  |  | 76 |  |  | 2,618 |  |  | 36 |  |  | 1,606 |  |  | 3 |
Total |  | $ | 8,266 |  |  | $ | 371 |  |  | $ | 5,782 |  |  | $ | 203 |  |  | $ | 6,033 |  |  | $ | 254 |
Troubled Debt Restructurings | The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended December 31, 2018 (dollars in thousands):
Troubled Debt Restructurings: |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment (1) |  | Principal Modification |  | Post Modification Outstanding Recorded Investment (2) |  | Outstanding Recorded Investment
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 1 |  |  | $ | 38 |  |  | $ | — |  |  | $ | 38 |  |  | $ | 30 |
Real Estate: |  |  |  |  |  |  |  |  |  |
Real Estate - Commercial |  | 1 |  |  | $ | 166 |  |  | $ | — |  |  | $ | 166 |  |  | $ | 161 |
Total |  | 2 |  |  | $ | 204 |  |  | $ | — |  |  | $ | 204 |  |  | $ | 191 |
(1) | Amounts represent the recorded investment in loans before recognizing effects of the TDR, if any.
(2) | Balance outstanding after principal modification, if any borrower reduction to recorded investment.
The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended December 31, 2017 (dollars in thousands):
Troubled Debt Restructurings: |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment (1) |  | Principal Modification |  | Post Modification Outstanding Recorded Investment (2) |  | Outstanding Recorded Investment
Real Estate: |  |  |  |  |  |  |  |  |  |
Agricultural real estate |  | 1 |  |  | 59 |  |  | — |  |  | 59 |  |  | 51 |
Consumer |  |  |  |  |  |  |  |  |  |
Equity loans and line of credit |  | 2 |  |  | 490 |  |  | — |  |  | 1,066 |  |  | 1,059 |
Total |  | 3 |  |  | $ | 549 |  |  | $ | — |  |  | $ | 1,125 |  |  | $ | 1,110 |
(1) | Amounts represent the recorded investment in loans before recognizing effects of the TDR, if any.
(2) | Balance outstanding after principal modification, if any borrower reduction to recorded investment.
The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended December 31, 2016 (dollars in thousands):
Troubled Debt Restructurings: |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment (1) |  | Principal Modification |  | Post Modification Outstanding Recorded Investment (2) |  | Outstanding Recorded Investment
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and Industrial |  | 2 |  |  | $ | 45 |  |  | $ | — |  |  | $ | 45 |  |  | $ | 40 |
(1) | Amounts represent the recorded investment in loans before recognizing effects of the TDR, if any.
(2) | Balance outstanding after principal modification, if any borrower reduction to recorded investment.

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