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Loans (Tables) | 12 Months Ended
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Dec. 31, 2014
Receivables [Abstract] |
Loans | Loans at December 31 are summarized below:
|  | (In Thousands) |
|  | 2014 |  |  | 2013 |
Loans: |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 270,188 |  |  | $ | 248,893 |
Agricultural real estate |  |  | 50,895 |  |  |  | 44,301 |
Consumer real estate |  |  | 97,550 |  |  |  | 92,438 |
Commercial and industrial |  |  | 100,126 |  |  |  | 99,498 |
Agricultural |  |  | 74,611 |  |  |  | 65,449 |
Consumer |  |  | 24,277 |  |  |  | 21,406 |
Industrial Development Bonds |  |  | 4,698 |  |  |  | 4,358 |
|  | $ | 622,345 |  |  | $ | 576,343 |
Less: Net deferred loan fees and costs |  |  | (419 | ) |  |  | (230 | )
|  |  | 621,926 |  |  |  | 576,113 |
Less: Allowance for loan losses |  |  | (5,905 | ) |  |  | (5,194 | )
Loans - Net |  | $ | 616,021 |  |  | $ | 570,919 |
Maturity Schedule by Major Category of Loans | The following is a maturity schedule by major category of loans at December 31, 2014:
|  | (In Thousands) |
|  | Within One Year |  |  | After One Year Within Five Years |  |  | After Five Years |  |  | Total |
Commercial Real Estate |  | $ | 27,291 |  |  | $ | 92,076 |  |  | $ | 150,821 |  |  | $ | 270,188 |
Agricultural Real Estate |  |  | 3,546 |  |  |  | 14,289 |  |  |  | 33,060 |  |  |  | 50,895 |
Consumer Real Estate |  |  | 11,118 |  |  |  | 19,377 |  |  |  | 67,055 |  |  |  | 97,550 |
Commercial and industrial |  |  | 58,741 |  |  |  | 36,159 |  |  |  | 5,226 |  |  |  | 100,126 |
Agricultural |  |  | 47,831 |  |  |  | 22,826 |  |  |  | 3,954 |  |  |  | 74,611 |
Consumer |  |  | 5,652 |  |  |  | 14,265 |  |  |  | 4,360 |  |  |  | 24,277 |
Industrial Development Bonds |  |  | 2,499 |  |  |  | 126 |  |  |  | 2,073 |  |  |  | 4,698 |
|  | $ | 156,678 |  |  | $ | 199,118 |  |  | $ | 266,549 |  |  | $ | 622,345 |
Distribution of Fixed Rate Loans and Variable Rate Loans by Major Loan Category | The distribution of fixed rate loans and variable rate loans by major loan category is as follows as of December 31, 2014:
|  | (In Thousands) |
|  | Fixed Rate |  |  | Variable Rate |
Commercial Real Estate |  | $ | 190,948 |  |  | $ | 79,240 |
Agricultural Real Estate |  |  | 36,168 |  |  |  | 14,727 |
Consumer Real Estate |  |  | 77,534 |  |  |  | 20,016 |
Commercial and industrial loans |  |  | 76,625 |  |  |  | 23,501 |
Agricultural |  |  | 69,707 |  |  |  | 4,904 |
Consumer, Master Card and Overdrafts |  |  | 19,566 |  |  |  | 4,711 |
Industrial Development Bonds |  |  | 4,529 |  |  |  | 169 |
Contractual Aging of Recorded Investment in Past Due Loans by Portfolio Classification of Loans | The following table represents the contractual aging of the recorded investment in past due loans by portfolio classification of loans as of December 31, 2014 and 2013 net of deferred fees and costs:
December 31, 2014 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Recorded Investment > 90 Days and Accruing |
Consumer Real Estate |  | $ | 713 |  |  | $ | 50 |  |  | $ | 436 |  |  | $ | 1,199 |  |  | $ | 96,351 |  |  | $ | 97,550 |  |  | $ | — |
Ag Real Estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 50,895 |  |  | $ | 50,895 |  |  |  | — |
Ag |  |  | 25 |  |  |  | — |  |  |  | — |  |  |  | 25 |  |  |  | 74,586 |  |  | $ | 74,611 |  |  |  | — |
Commercial Real Estate |  |  | 78 |  |  |  | 204 |  |  |  | 709 |  |  |  | 991 |  |  |  | 269,197 |  |  | $ | 270,188 |  |  |  | — |
Commercial and Industrial |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 8 |  |  |  | 104,816 |  |  | $ | 104,824 |  |  |  | — |
Consumer |  |  | 25 |  |  |  | 8 |  |  |  | 29 |  |  |  | 62 |  |  |  | 23,796 |  |  | $ | 23,858 |  |  |  | — |
Total |  | $ | 841 |  |  | $ | 270 |  |  | $ | 1,174 |  |  | $ | 2,285 |  |  | $ | 619,641 |  |  | $ | 621,926 |  |  | $ | — |
December 31, 2013 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Current |  |  | Total Financing Receivables |  |  | Recorded Investment > 90 Days and Accruing |
Consumer Real Estate |  | $ | 778 |  |  | $ | 0 |  |  | $ | 234 |  |  | $ | 1,012 |  |  | $ | 91,426 |  |  | $ | 92,438 |  |  | $ | — |
Ag Real Estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 44,301 |  |  |  | 44,301 |  |  |  | — |
Ag |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 65,449 |  |  |  | 65,449 |  |  |  | — |
Commercial Real Estate |  |  | — |  |  |  | — |  |  |  | 373 |  |  |  | 373 |  |  |  | 248,520 |  |  |  | 248,893 |  |  |  | — |
Commercial and Industrial |  |  | — |  |  |  | — |  |  |  | 26 |  |  |  | 26 |  |  |  | 103,830 |  |  |  | 103,856 |  |  |  | — |
Consumer |  |  | 28 |  |  |  | 2 |  |  |  | — |  |  |  | 30 |  |  |  | 21,146 |  |  |  | 21,176 |  |  |  | — |
Total |  | $ | 806 |  |  | $ | 2 |  |  | $ | 633 |  |  | $ | 1,441 |  |  | $ | 574,672 |  |  | $ | 576,113 |  |  | $ | — |
Recorded Investment in Nonaccrual Loans by Portfolio Class of Loans | The following table presents the recorded investment in nonaccrual loans by portfolio class of loans as of December 31, 2014 and December 31, 2013:
|  | (In Thousands) |
|  | 2014 |  |  | 2013 |
Consumer real estate |  | $ | 628 |  |  | $ | 483 |
Agricultural real estate |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |
Commercial real estate |  |  | 709 |  |  |  | 2,436 |
Commercial |  |  | 339 |  |  |  | 410 |
Consumer |  |  | 29 |  |  |  | — |
Total |  | $ | 1,705 |  |  | $ | 3,329 |
Risk Category of Loans by Portfolio Class | The following table represents the risk category of loans by portfolio class, net of deferred fees, based on the most recent analysis performed as of the time periods shown of December 31, 2014 and December 31, 2013.
|  | (In Thousands) |
|  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial |  |  | Industrial Development Bonds |
|  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |
1-2 |  | $ | 4,319 |  |  | $ | 3,764 |  |  | $ | 11,490 |  |  | $ | 9,263 |  |  | $ | 1,072 |  |  | $ | 1,104 |  |  | $ | 1,771 |  |  | $ | 2,525 |  |  | $ | — |  |  | $ | — |
3 |  |  | 15,780 |  |  |  | 14,588 |  |  |  | 26,871 |  |  |  | 27,212 |  |  |  | 34,229 |  |  |  | 55,060 |  |  |  | 15,582 |  |  |  | 21,610 |  |  |  | 4,289 |  |  |  | 3,869 |
4 |  |  | 30,472 |  |  |  | 25,186 |  |  |  | 36,225 |  |  |  | 28,974 |  |  |  | 225,015 |  |  |  | 182,277 |  |  |  | 80,079 |  |  |  | 72,059 |  |  |  | 409 |  |  |  | 489 |
5 |  |  | 111 |  |  |  | 729 |  |  |  | — |  |  |  | — |  |  |  | 7,083 |  |  |  | 4,987 |  |  |  | 2,299 |  |  |  | 2,119 |  |  |  | — |  |  |  | — |
6 |  |  | 213 |  |  |  | 34 |  |  |  | — |  |  |  | — |  |  |  | 2,080 |  |  |  | 5,092 |  |  |  | 165 |  |  |  | 758 |  |  |  | — |  |  |  | — |
7 |  |  | — |  |  |  | — |  |  |  | 25 |  |  |  | — |  |  |  | 709 |  |  |  | 373 |  |  |  | 230 |  |  |  | 427 |  |  |  | — |  |  |  | — |
8 |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 50,895 |  |  | $ | 44,301 |  |  | $ | 74,611 |  |  | $ | 65,449 |  |  | $ | 270,188 |  |  | $ | 248,893 |  |  | $ | 100,126 |  |  | $ | 99,498 |  |  | $ | 4,698 |  |  | $ | 4,358 |
Recorded Investment in Those Classes Based on Payment Activity and Assigned Risk Grading | The following tables present the recorded investment in those classes based on payment activity and assigned risk grading as of December 31, 2014 and December 31, 2013.
|  | (In Thousands) |
|  | Consumer Real Estate |
|  | 2014 |  |  | 2013 |
Grade |  |  |  |  |  |  |  |
Pass |  | $ | 97,007 |  |  | $ | 92,226 |
Special mention (5) |  |  | — |  |  |  | — |
Substandard (6) |  |  | 446 |  |  |  | 18 |
Doubtful (7) |  |  | 97 |  |  |  | 194 |
Total, net of deferred fees |  | $ | 97,550 |  |  | $ | 92,438 |
|  | Consumer - Credit Card |  |  | Consumer - Other |
|  | 2014 |  |  | 2013 |  |  | 2014 |  |  | 2013 |
Performing |  | $ | 3,987 |  |  | $ | 3,721 |  |  | $ | 19,846 |  |  | $ | 17,425 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | 25 |  |  |  | 30 |
Total, net of deferred fees |  | $ | 3,987 |  |  | $ | 3,721 |  |  | $ | 19,871 |  |  | $ | 17,455 |
Schedule of Impaired Loans | Information about impaired loans as of and for the years ended December 31, 2014 and 2013 are as follows:
|  | (In Thousands) |
|  | 2014 |  |  | 2013 |
Impaired loans without a valuation allowance |  | $ | 675 |  |  | $ | 924 |
Impaired loans with a valuation allowance |  |  | 1,168 |  |  |  | 1,516 |
Total impaired loans |  | $ | 1,843 |  |  | $ | 2,440 |
Valuation allowance related to impaired loans |  | $ | 387 |  |  | $ | 516 |
Total non-accrual loans |  | $ | 1,705 |  |  | $ | 3,329 |
Total loans past-due ninety days or more and still accruing |  | $ | — |  |  | $ | — |
|  | (In Thousands) |
|  | 2014 |  |  | 2013 |  |  | 2012 |
Average investment in impaired loans |  | $ | 1,929 |  |  | $ | 3,274 |  |  | $ | 3,436 |
Interest income recognized on impaired loans |  | $ | 87 |  |  | $ | 60 |  |  | $ | 26 |
Interest income recognized on a cash basis on impaired loans |  | $ | 51 |  |  | $ | 17 |  |  | $ | 21 |
Impaired Loans Classified as Troubled Debt Restructured | The following table represents the years ended December 31, 2014 and 2013.
December 31, 2014 |  | Number of Contracts |  | Pre- Modification Outstanding |  |  | Post- Modification Outstanding |  |  | December 31, 2013 |  | Number of Contracts |  | Pre- Modification Outstanding |  |  | Post- Modification Outstanding |
Troubled Debt Restructurings |  | Modified in the Last 12 Months |  | Recorded Investment |  |  | Recorded Investment |  |  | Troubled Debt Restructurings |  | Modified in the Last 12 Months |  | Recorded Investment |  |  | Recorded Investment |
Commercial Real Estate |  |  |  | $ | — |  |  | $ | — |  |  | Commercial Real Estate |  |  |  | $ | — |  |  | $ | — |
Ag Real Estate |  |  |  |  | — |  |  |  | — |  |  | Ag Real Estate |  |  |  |  | — |  |  |  | — |
Commercial and Industrial |  |  |  |  | — |  |  |  | — |  |  | Commercial and Industrial |  |  |  |  | — |  |  |  | — |
Troubled Debt Restructurings That Subsequently Defaulted |  | Number of Contracts Modified in the Last 12 Months |  | Recorded Investment |  |  |  |  |  | Troubled Debt Restructurings That Subsequently Defaulted |  | Number of Contracts Modified in the Last 12 Months |  | Recorded Investment |  |  |  |
Commercial Real Estate |  |  |  | $ | — |  |  |  |  |  |  | Commercial Real Estate |  |  |  | $ | — |  |  |  |  |
Ag Real Estate |  |  |  |  | — |  |  |  |  |  |  | Ag Real Estate |  |  |  |  | — |  |  |  |  |
Commercial and Industrial |  |  |  |  | — |  |  |  |  |  |  | Commercial and Industrial |  |  |  |  | — |  |  |  |
Loans Individually Evaluated for Impairment by Portfolio Class of Loans | The following table presents loans individually evaluated for impairment by portfolio class of loans as of December 31, 2014 and 2013:
|  | (In Thousands) |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | YTD Average Recorded Investment |  |  | YTD Interest Income Recognized |  |  | YTD Interest Income Recognized Cash Basis |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 204 |  |  | $ | 229 |  |  | $ | — |  |  | $ | 52 |  |  | $ | 1 |  |  | $ | 1 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 93 |  |  |  | 7 |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 471 |  |  |  | 471 |  |  |  | — |  |  |  | 740 |  |  |  | 7 |  |  |  | 5 |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 319 |  |  |  | 45 |  |  |  | 18 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 97 |  |  |  | 97 |  |  |  | 36 |  |  |  | 118 |  |  |  | 6 |  |  |  | 6 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15 |  |  |  | — |  |  |  | — |
Agriculture |  |  | 25 |  |  |  | 25 |  |  |  | 25 |  |  |  | 2 |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 709 |  |  |  | 709 |  |  |  | 111 |  |  |  | 83 |  |  |  | 21 |  |  |  | 21 |
Commercial |  |  | 326 |  |  |  | 326 |  |  |  | 204 |  |  |  | 506 |  |  |  | — |  |  |  | — |
Consumer |  |  | 11 |  |  |  | 11 |  |  |  | 11 |  |  |  | 1 |  |  |  | — |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 301 |  |  | $ | 326 |  |  | $ | 36 |  |  | $ | 170 |  |  | $ | 7 |  |  | $ | 7 |
Agriculture real estate |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 108 |  |  | $ | 7 |  |  | $ | — |
Agriculture |  | $ | 25 |  |  | $ | 25 |  |  | $ | 25 |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |
Commercial real estate |  | $ | 1,180 |  |  | $ | 1,180 |  |  | $ | 111 |  |  | $ | 823 |  |  | $ | 28 |  |  | $ | 26 |
Commercial |  | $ | 326 |  |  | $ | 326 |  |  | $ | 204 |  |  | $ | 825 |  |  | $ | 45 |  |  | $ | 18 |
Consumer |  | $ | 11 |  |  | $ | 11 |  |  | $ | 11 |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |
|  | (In Thousands) |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | YTD Average Recorded Investment |  |  | YTD Interest Income Recognized |  |  | YTD Interest Income Recognized Cash Basis |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 18 |  |  | $ | 18 |  |  | $ | — |  |  | $ | 138 |  |  | $ | 10 |  |  | $ | 10 |
Agriculture real estate |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 906 |  |  |  | 906 |  |  |  | — |  |  |  | 630 |  |  |  | 21 |  |  |  | 3 |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 203 |  |  |  | — |  |  |  | — |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  |  | 282 |  |  |  | 282 |  |  |  | 78 |  |  |  | 204 |  |  |  | 5 |  |  |  | 3 |
Agriculture real estate |  |  | 88 |  |  |  | 88 |  |  |  | 9 |  |  |  | 72 |  |  |  | — |  |  |  | — |
Agriculture |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial real estate |  |  | 769 |  |  |  | 1,116 |  |  |  | 295 |  |  |  | 518 |  |  |  | 22 |  |  |  | — |
Commercial |  |  | 377 |  |  |  | 377 |  |  |  | 134 |  |  |  | 1,549 |  |  |  | 2 |  |  |  | 1 |
Consumer |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 300 |  |  | $ | 300 |  |  | $ | 78 |  |  | $ | 342 |  |  | $ | 15 |  |  | $ | 13 |
Agriculture real estate |  | $ | 88 |  |  | $ | 88 |  |  | $ | 9 |  |  | $ | 72 |  |  | $ | — |  |  | $ | — |
Agriculture |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate |  | $ | 1,675 |  |  | $ | 2,022 |  |  | $ | 295 |  |  | $ | 1,148 |  |  | $ | 43 |  |  | $ | 3 |
Commercial |  | $ | 377 |  |  | $ | 377 |  |  | $ | 134 |  |  | $ | 1,752 |  |  | $ | 2 |  |  | $ | 1 |
Consumer |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Summary of Activities in Allowance for Credit Losses | The following is an analysis of the allowance for credit losses for the years ended December 31:
|  | (In Thousands) |
|  | 2014 |  |  | 2013 |  |  | 2012 |
Allowance for Loan Losses |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of year |  | $ | 5,194 |  |  | $ | 5,224 |  |  | $ | 5,091 |
Provision for loan loss |  |  | 1,191 |  |  |  | 858 |  |  |  | 738 |
Loans charged off |  |  | (778 | ) |  |  | (1,262 | ) |  |  | (891 | )
Recoveries |  |  | 298 |  |  |  | 374 |  |  |  | 286 |
Balance at ending of year |  | $ | 5,905 |  |  | $ | 5,194 |  |  | $ | 5,224 |
Allowance for Unfunded Loan Commitments & Letters of Credit |  | $ | 207 |  |  | $ | 163 |  |  | $ | 162 |
Total Allowance for Credit Losses |  | $ | 6,112 |  |  | $ | 5,357 |  |  | $ | 5,386 |
Analysis of Allowance for Credit Losses | Additional analysis related to the allowance for credit losses as of December 31, 2014 and 2013 is as follows:
|  | (In Thousands) |
|  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 257 |  |  | $ | 131 |  |  | $ | 326 |  |  | $ | 2,107 |  |  | $ | 1,359 |  |  | $ | 292 |  |  | $ | 163 |  |  | $ | 722 |  |  | $ | 5,357 |
Charge Offs |  |  | (168 | ) |  |  | — |  |  |  | — |  |  |  | (229 | ) |  |  | — |  |  |  | (381 | ) |  |  | — |  |  |  | — |  |  |  | (778 | )
Recoveries |  |  | 34 |  |  |  | — |  |  |  | 44 |  |  |  | 4 |  |  |  | 20 |  |  |  | 196 |  |  |  | — |  |  |  | — |  |  |  | 298 |
Provision |  |  | 414 |  |  |  | 53 |  |  |  | 177 |  |  |  | 485 |  |  |  | 42 |  |  |  | 216 |  |  |  | — |  |  |  | (196 | ) |  |  | 1,191 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 44 |  |  |  | — |  |  |  | 44 |
Ending Balance |  | $ | 537 |  |  | $ | 184 |  |  | $ | 547 |  |  | $ | 2,367 |  |  | $ | 1,421 |  |  | $ | 323 |  |  | $ | 207 |  |  | $ | 526 |  |  | $ | 6,112 |
Ending balance: individually evaluated for impairment |  | $ | 36 |  |  | $ | — |  |  | $ | 25 |  |  | $ | 111 |  |  | $ | 204 |  |  | $ | 11 |  |  | $ | — |  |  | $ | — |  |  | $ | 387 |
Ending balance: collectively evaluated for impairment |  | $ | 501 |  |  | $ | 184 |  |  | $ | 522 |  |  | $ | 2,256 |  |  | $ | 1,217 |  |  | $ | 312 |  |  | $ | 207 |  |  | $ | 526 |  |  | $ | 5,725 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, net of deferred fees |  | $ | 97,550 |  |  | $ | 50,895 |  |  | $ | 74,611 |  |  | $ | 270,188 |  |  | $ | 104,824 |  |  | $ | 23,858 |  |  | $ | — |  |  | $ | — |  |  | $ | 621,926 |
Ending balance: individually evaluated for impairment |  | $ | 301 |  |  | $ | — |  |  | $ | 25 |  |  | $ | 1,179 |  |  | $ | 327 |  |  | $ | 11 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,843 |
Ending balance: collectively evaluated for impairment |  | $ | 97,249 |  |  | $ | 50,895 |  |  | $ | 74,586 |  |  | $ | 269,009 |  |  | $ | 104,497 |  |  | $ | 23,847 |  |  | $ | — |  |  | $ | — |  |  | $ | 620,083 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 526 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 526 |
|  | (In Thousands) |
|  | Consumer Real Estate |  |  | Agriculture Real Estate |  |  | Agriculture |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Unfunded Loan Commitment & Letters of Credit |  |  | Unallocated |  |  | Total |
2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALLOWANCE FOR CREDIT LOSSES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 368 |  |  | $ | 113 |  |  | $ | 290 |  |  | $ | 1,749 |  |  | $ | 2,183 |  |  | $ | 268 |  |  | $ | 162 |  |  | $ | 253 |  |  | $ | 5,386 |
Charge Offs |  |  | (147 | ) |  |  | — |  |  |  | — |  |  |  | (164 | ) |  |  | (513 | ) |  |  | (438 | ) |  |  | — |  |  |  | — |  |  |  | (1,262 | )
Recoveries |  |  | 20 |  |  |  | — |  |  |  | 5 |  |  |  | 23 |  |  |  | 141 |  |  |  | 185 |  |  |  | — |  |  |  | — |  |  |  | 374 |
Provision |  |  | 16 |  |  |  | 18 |  |  |  | 31 |  |  |  | 499 |  |  |  | (452 | ) |  |  | 277 |  |  |  | — |  |  |  | 469 |  |  |  | 858 |
Other Non-interest expense related to unfunded |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 1 |
Ending Balance |  | $ | 257 |  |  | $ | 131 |  |  | $ | 326 |  |  | $ | 2,107 |  |  | $ | 1,359 |  |  | $ | 292 |  |  | $ | 163 |  |  | $ | 722 |  |  | $ | 5,357 |
Ending balance: individually evaluated for impairment |  | $ | 78 |  |  | $ | 9 |  |  | $ | — |  |  | $ | 295 |  |  | $ | 134 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 516 |
Ending balance: collectively evaluated for impairment |  | $ | 179 |  |  | $ | 122 |  |  | $ | 326 |  |  | $ | 1,812 |  |  | $ | 1,225 |  |  | $ | 292 |  |  | $ | 163 |  |  | $ | 722 |  |  | $ | 4,841 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |
FINANCING RECEIVABLES: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance, net of deferred fees |  | $ | 92,438 |  |  | $ | 44,301 |  |  | $ | 65,449 |  |  | $ | 248,893 |  |  | $ | 103,856 |  |  | $ | 21,176 |  |  | $ | — |  |  | $ | — |  |  | $ | 576,113 |
Ending balance: individually evaluated for impairment |  | $ | 300 |  |  | $ | 88 |  |  | $ | — |  |  | $ | 1,675 |  |  | $ | 377 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,440 |
Ending balance: collectively evaluated for impairment |  | $ | 92,138 |  |  | $ | 44,213 |  |  | $ | 65,449 |  |  | $ | 247,218 |  |  | $ | 103,479 |  |  | $ | 21,176 |  |  | $ | — |  |  | $ | — |  |  | $ | 573,673 |
Ending balance: loans acquired with deteriorated credit quality |  | $ | 540 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 540 |

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