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Loans (Tables)

9 Months Ended

Sep. 30, 2020

Loan balances as of September 30, 2020 and December 31, 2019 are summarized below:

	(In Thousands)
Loans:	September 30, 2020			December 31, 2019
Consumer Real Estate	$	175,963		$	165,349
Agricultural Real Estate		192,883			199,105
Agricultural		103,330			111,820
Commercial Real Estate		595,146			551,309
Commercial and Industrial		238,175			135,631
Consumer		53,320			49,237
Other		9,030			8,314
		1,367,847			1,220,765
Less: Net deferred loan fees and costs		(3,985	)		(1,766	)
		1,363,862			1,218,999
Less: Allowance for loan losses		(11,883	)		(7,228	)
Loans - Net	$	1,351,979		$	1,211,771

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 September 30, 2020:

	(In Thousands)
	Fixed		Variable
	Rate		Rate
Consumer Real Estate	$	128,976	$	46,987
Agricultural Real Estate		101,191		91,692
Agricultural		89,810		13,520
Commercial Real Estate		446,886		148,260
Commercial and Industrial		210,588		27,587
Consumer		49,050		4,270
Other		8,976		54

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 thousands) in past due loans by portfolio classification of loans as of September 30, 2020 and December 31, 2019, net of deferred loan fees and costs:

September 30, 2020	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	$	80	$	33	$	-	$	113	$	175,482	$	175,595	$	-
Agricultural Real Estate		-		-		-		-		192,577		192,577		-
Agricultural		-		-		-		-		103,476		103,476		-
Commercial Real Estate		169		-		-		169		593,767		593,936		-
Commercial and Industrial		-		-		-		-		244,823		244,823		-
Consumer		34		8		-		42		53,413		53,455		-

Total	$	283	$	41	$	-	$	324	$	1,363,538	$	1,363,862	$	-

December 31, 2019	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	$	355	$	70	$	-	$	425	$	164,266	$	164,691	$	-
Agricultural Real Estate		-		107		-		107		198,752		198,859		-
Agricultural		78		7		-		85		111,864		111,949		-
Commercial Real Estate		-		-		-		-		550,082		550,082		-
Commercial and Industrial		201		267		-		468		143,541		144,009		-
Consumer		54		-		-		54		49,355		49,409		-

Total	$	688	$	451	$	-	$	1,139	$	1,217,860	$	1,218,999	$	-

Recorded Investment in Nonaccrual Loans by Portfolio Class of Loans

The following table presents the recorded investment in nonaccrual loans by class of loans as of September 30, 2020 and December 31, 2019:

	(In Thousands)
	September 30, 2020		December 31, 2019

Consumer Real Estate	$	1,523	$	1,209
Agricultural Real Estate		3,775		88
Agricultural		517		1,769
Commercial Real Estate		685		37
Commercial & Industrial		1,328		288
Consumer		42		9
Total	$	7,870	$	3,400

Risk Category of Loans by Portfolio Class

The following table represents the risk category of loans by portfolio class, net of deferred fees and costs, based on the most recent analysis performed as of September 30, 2020 (Refer to the table in the COVID-19 section for deferrals impacted by the Coronavirus Aid, Relief and Economic Security Act (CARES Act.) and December 31, 2019:

	(In Thousands)
	Agricultural				Commercial		Commercial
	Real Estate		Agricultural		Real Estate		and Industrial		Other
September 30, 2020
1-2	$	12,929	$	4,631	$	11,389	$	89,381	$	-
3		38,127		26,818		164,410		26,846		4,716
4		112,786		69,383		402,362		110,393		4,314
5		10,387		1,991		10,631		4,143		-
6		18,348		653		5,144		4,131		-
7		-		-		-		899		-
8		-		-		-		-		-
Total	$	192,577	$	103,476	$	593,936	$	235,793	$	9,030

	Agricultural				Commercial		Commercial
	Real Estate		Agricultural		Real Estate		and Industrial		Other
December 31, 2019
1-2	$	14,655	$	4,093	$	7,860	$	3,844	$	-
3		33,951		36,913		131,780		19,790		3,168
4		116,834		65,414		401,404		103,527		5,146
5		14,836		2,300		3,699		2,465		-
6		18,583		3,229		5,339		4,983		-
7		-		-		-		1,086		-
8		-		-		-		-		-
Total	$	198,859	$	111,949	$	550,082	$	135,695	$	8,314

Recorded Investment for Consumer Loans, Credit Quality based on Status of Loan and Payment Activity

The following tables present the recorded investment in those classes based on payment activity and assigned risk grading as of September 30, 2020 and December 31, 2019.

	(In Thousands)
	Consumer		Consumer
	Real Estate		Real Estate
	September 30, 2020		December 31, 2019
Grade
Pass	$	172,132	$	160,930
Special Mention (5)		1,234		415
Substandard (6)		2,229		3,346
Doubtful (7)		-		-
Total	$	175,595	$	164,691

	(In Thousands)
	Consumer - Credit				Consumer - Other
	September 30, 2020		December 31, 2019		September 30, 2020		December 31, 2019
Performing	$	3,430	$	4,076	$	49,868	$	44,831
Nonperforming		-		15		157		487
Total	$	3,430	$	4,091	$	50,025	$	45,318

Schedule of Impaired Loans

Information about impaired loans as of September 30, 2020, December 31, 2019 and September 30, 2019 are as follows:

			(In Thousands)
	September 30, 2020		December 31, 2019		September 30, 2019

Impaired loans without a valuation allowance	$	5,134	$	2,420	$	1,914
Impaired loans with a valuation allowance		10,125		641		1,314
Total impaired loans	$	15,259	$	3,061	$	3,228
Valuation allowance related to impaired loans	$	1,198	$	197	$	187
Total non-accrual loans	$	7,870	$	3,400	$	3,275
Total loans past-due ninety days or more and still accruing	$	408	$	-	$	-
Quarter ended average investment in impaired loans	$	13,517	$	3,120	$	3,141
Year to date average investment in impaired loans	$	8,613	$	2,649	$	2,492

Impaired Loans Classified as Troubled Debt Restructured

. The following tables represents three and nine months ended September 30, 2020 and 2019:

			Pre-		Post-					Pre-		Post-
Three Months	Number of		Modification		Modification		Nine Months	Number of		Modification		Modification
September 30, 2020	Contracts		Outstanding		Outstanding		September 30, 2020	Contracts		Outstanding		Outstanding
(in thousands)	Modified in the		Recorded		Recorded		(in thousands)	Modified in the		Recorded		Recorded
Troubled Debt Restructurings	Last Three Months		Investment		Investment		Troubled Debt Restructurings	Last Nine Months		Investment		Investment
Consumer Real Estate		-	$	-	$	-	Consumer Real Estate		-	$	-	$	-
Commercial Real Estate		-		-		-	Commercial Real Estate		2		981		981
Ag Real Estate		-		-		-	Ag Real Estate		2		5,380		5,380
Commercial and Industrial		1		50		50	Commercial and Industrial		1		50		50
Agricultural		-		-		-	Agricultural		1		164		164

			Pre-		Post-					Pre-		Post-
Three Months	Number of		Modification		Modification		Nine Months	Number of		Modification		Modification
September 30, 2019	Contracts		Outstanding		Outstanding		September 30, 2019	Contracts		Outstanding		Outstanding
(in thousands)	Modified in the		Recorded		Recorded		(in thousands)	Modified in the		Recorded		Recorded
Troubled Debt Restructurings	Last Three Months		Investment		Investment		Troubled Debt Restructurings	Last Nine Months		Investment		Investment
Consumer Real Estate		1	$	74	$	74	Consumer Real Estate		1	$	74	$	74
Commercial Real Estate		-		-		-	Commercial Real Estate		-		-		-
Ag Real Estate		-		-		-	Ag Real Estate		-		-		-
Commercial and Industrial		-		-		-	Commercial and Industrial		4		812		812
Agricultural		-		-		-	Agricultural		-		-		-

Loans Individually Evaluated for Impairment by Portfolio Class of Loans

The following tables present loans individually evaluated for impairment by class of loans for the three and nine months ended September 30, 2020 and September 30, 2019 and for the year ended December 31, 2019.

	(In Thousands)
											QTD
							QTD		QTD		Interest
Three Months Ended September 30, 2020			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	780	$	780	$	-	$	791	$	41	$	5
Agricultural Real Estate		1,589		1,589		-		873		2		-
Agricultural		533		533		-		375		4		1
Commercial Real Estate		186		186		-		186		1		-
Commercial and Industrial		2,021		2,021		-		1,190		5		-
Consumer		25		25		-		26		21		-
With a specific allowance recorded:
Consumer Real Estate		205		205		43		119		8		-
Agricultural Real Estate		5,425		5,425		432		5,450		2		-
Agricultural		188		188		28		342		3		-
Commercial Real Estate		3,033		3,033		44		3,046		-		-
Commercial and Industrial		1,274		1,274		651		1,119		3		-
Consumer		-		-		-		-		-		-
Totals:
Consumer Real Estate	$	985	$	985	$	43	$	910	$	49	$	5
Agricultural Real Estate	$	7,014	$	7,014	$	432	$	6,323	$	4	$	-
Agricultural	$	721	$	721	$	28	$	717	$	7	$	1
Commercial Real Estate	$	3,219	$	3,219	$	44	$	3,232	$	1	$	-
Commercial and Industrial	$	3,295	$	3,295	$	651	$	2,309	$	8	$	-
Consumer	$	25	$	25	$	-	$	26	$	21	$	-

	(In Thousands)
											Interest
Year Ended December 31, 2019			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	648	$	648	$	-	$	626	$	32	$	9
Agricultural Real Estate		-		-		-		204		-		-
Agricultural		491		491		-		124		-		-
Commercial Real Estate		299		299		-		238		19		-
Commercial and Industrial		982		982		-		637		66		-
Consumer		-		-		-		-		-		-
With a specific allowance recorded:
Consumer Real Estate		181		184		30		211		-		-
Agricultural Real Estate		-		-		-		22		1		-
Agricultural		200		200		21		29		-		-
Commercial Real Estate		-		-		-		-		-		-
Commercial and Industrial		227		377		142		555		-		-
Consumer		33		33		4		3		-		-
Totals:
Consumer Real Estate	$	829	$	832	$	30	$	837	$	32	$	9
Agricultural Real Estate	$	-	$	-	$	-	$	226	$	1	$	-
Agricultural	$	691	$	691	$	21	$	153	$	-	$	-
Commercial Real Estate	$	299	$	299	$	-	$	238	$	19	$	-
Commercial and Industrial	$	1,209	$	1,359	$	142	$	1,192	$	66	$	-
Consumer	$	33	$	33	$	4	$	3	$	-	$	-

	(In Thousands)
											QTD
							QTD		QTD		Interest
Three Months Ended September 30, 2019			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	626	$	626	$	-	$	628	$	9	$	3
Agricultural Real Estate		406		406		-		406		-		-
Agricultural		368		368		-		368		-		-
Commercial Real Estate		304		304		-		267		7		-
Commercial and Industrial		210		210		-		219		3		-
Consumer		-		-		-		-		-		-
With a specific allowance recorded:
Consumer Real Estate		126		128		22		172		-		-
Agricultural Real Estate		-		-		-		-		-		-
Agricultural		-		-		-		-		-		-
Commercial Real Estate		-		-		-		-		14		-
Commercial and Industrial		1,188		1,188		165		1,081		-		-
Consumer		-		-		-		-		-		-
Totals:
Consumer Real Estate	$	752	$	754	$	22	$	800	$	9	$	3
Agricultural Real Estate	$	406	$	406	$	-	$	406	$	-	$	-
Agricultural	$	368	$	368	$	-	$	368	$	-	$	-
Commercial Real Estate	$	304	$	304	$	-	$	267	$	21	$	-
Commercial and Industrial	$	1,398	$	1,398	$	165	$	1,300	$	3	$	-
Consumer	$	-	$	-	$	-	$	-	$	-	$	-

	(In Thousands)
											YTD
							YTD		YTD		Interest
Nine Months Ended September 30, 2020			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	780	$	780	$	-	$	688	$	120	$	9
Agricultural Real Estate		1,589		1,589		-		451		6		-
Agricultural		533		533		-		367		9		1
Commercial Real Estate		186		186		-		199		3		-
Commercial and Industrial		2,021		2,021		-		819		18		-
Consumer		25		25		-		21		37		-
With a specific allowance recorded:
Consumer Real Estate		205		205		43		60		10		-
Agricultural Real Estate		5,425		5,425		432		2,475		7		-
Agricultural		188		188		28		208		6		-
Commercial Real Estate		3,033		3,033		44		2,389		-		-
Commercial and Industrial		1,274		1,274		651		929		10		-
Consumer		-		-		-		7		-		-
Totals:
Consumer Real Estate	$	985	$	985	$	43	$	748	$	130	$	9
Agricultural Real Estate	$	7,014	$	7,014	$	432	$	2,926	$	13	$	-
Agricultural	$	721	$	721	$	28	$	575	$	15	$	1
Commercial Real Estate	$	3,219	$	3,219	$	44	$	2,588	$	3	$	-
Commercial and Industrial	$	3,295	$	3,295	$	651	$	1,748	$	28	$	-
Consumer	$	25	$	25	$	-	$	28	$	37	$	-

	(In Thousands)
											YTD
							YTD		YTD		Interest
Nine Months Ended September 30, 2019			Unpaid				Average		Interest		Income
	Recorded		Principal		Related		Recorded		Income		Recognized
	Investment		Balance		Allowance		Investment		Recognized		Cash Basis
With no related allowance recorded:
Consumer Real Estate	$	626	$	626	$	-	$	625	$	24	$	7
Agricultural Real Estate		406		406		-		135		-		-
Agricultural		368		368		-		123		-		-
Commercial Real Estate		304		304		-		217		14		-
Commercial and Industrial		210		210		-		697		9		-
Consumer		-		-		-		-		-		-
With a specific allowance recorded:
Consumer Real Estate		126		128		22		220		-		-
Agricultural Real Estate		-		-		-		-		-		-
Agricultural		-		-		-		24		-		-
Commercial Real Estate		-		-		-		-		-		-
Commercial and Industrial		1,188		1,188		165		451		37		-
Consumer		-		-		-		-		-		-
Totals:
Consumer Real Estate	$	752	$	754	$	22	$	845	$	24	$	7
Agricultural Real Estate	$	406	$	406	$	-	$	135	$	-	$	-
Agricultural	$	368	$	368	$	-	$	147	$	-	$	-
Commercial Real Estate	$	304	$	304	$	-	$	217	$	14	$	-
Commercial and Industrial	$	1,398	$	1,398	$	165	$	1,148	$	46	$	-
Consumer	$	-	$	-	$	-	$	-	$	-	$	-

Summary of Activities in Allowance for Credit Losses

The following tables summarize the activities in the allowance for credit losses.

	(In Thousands)
	Nine Months Ended			Twelve Months Ended
	September 30, 2020			December 31, 2019
Allowance for Loan & Lease Losses
Balance at beginning of year	$	7,228		$	6,775
Provision for loan loss		4,986			1,138
Loans charged off		(480	)		(841	)
Recoveries		149			156
Allowance for Loan & Lease Losses	$	11,883		$	7,228
Allowance for Unfunded Loan Commitments & Letters of Credit	$	633		$	479
Total Allowance for Credit Losses	$	12,516		$	7,707

Analysis of Allowance for Credit Losses

Additional analysis, presented in thousands, related to the allowance for credit losses for the three and nine months ended September 30, 2020 and September 30, 2019 in addition to the ending balances as of December 31, 2019 is as follows:

	Consumer Real Estate			Agricultural Real Estate			Agricultural			Commercial Real Estate		Commercial and Industrial		Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
Three Months Ended September 30, 2020
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	570		$	813		$	1,036		$	4,458	$	2,423	$	561		$	605	$	72	$	10,538
Charge Offs		-			-			-			-		-		(79	)		-		-		(79	)
Recoveries		2			-			-			2		10		28			-		-		42
Provision (Credit)		(42	)		(51	)		(367	)		1,275		839		94			-		239		1,987
Other Non-interest expense related to unfunded		-			-			-			-		-		-			28				28
Ending Balance	$	530		$	762		$	669		$	5,735	$	3,272	$	604		$	633	$	311	$	12,516
Ending balance: individually evaluated for impairment	$	43		$	432		$	28		$	44	$	651	$	-		$	-	$	-	$	1,198
Ending balance: collectively evaluated for impairment	$	487		$	330		$	641		$	5,691	$	2,621	$	604		$	633	$	311	$	11,318
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-		$	-		$	-	$	-	$	-		$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	175,595		$	192,577		$	103,476		$	593,936	$	244,823	$	53,455		$	-	$	-	$	1,363,862
Ending balance: individually evaluated for impairment	$	985		$	7,014		$	721		$	3,219	$	3,295	$	25		$	-	$	-	$	15,259
Ending balance: collectively evaluated for impairment	$	174,567		$	185,563		$	102,755		$	590,717	$	241,528	$	53,339		$	-	$	-	$	1,348,469
Ending balance: loans acquired with deteriorated credit quality	$	43		$	-		$	-		$	-	$	-	$	91		$	-	$	-	$	134

December 31, 2019	Consumer Real Estate		Agricultural Real Estate		Agricultural		Commercial Real Estate		Commercial and Industrial		Consumer		Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
ALLOWANCE FOR CREDIT LOSSES:
Ending Balance	$	311	$	314	$	691	$	3,634	$	1,727	$	551	$	479	$	-	$	7,707
Ending balance: individually evaluated for impairment	$	30	$	-	$	21	$	-	$	142	$	4	$	-	$	-	$	197
Ending balance: collectively evaluated for impairment	$	281	$	314	$	670	$	3,634	$	1,585	$	547	$	479	$	-	$	7,510
Ending balance: loans acquired with deteriorated credit quality	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	164,691	$	198,859	$	111,949	$	550,082	$	144,009	$	49,409	$	-	$	-	$	1,218,999
Ending balance: individually evaluated for impairment	$	829	$	-	$	691	$	299	$	1,209	$	33	$	-	$	-	$	3,061
Ending balance: collectively evaluated for impairment	$	163,816	$	198,859	$	111,258	$	549,783	$	142,694	$	49,376	$	-	$	-	$	1,215,786
Ending balance: loans acquired with deteriorated credit quality	$	46	$	-	$	-	$	-	$	106	$	-	$	-	$	-	$	152

	Consumer Real Estate			Agricultural Real Estate		Agricultural			Commercial Real Estate			Commercial and Industrial			Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated			Total
Three Months Ended September 30, 2019
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	275		$	340	$	756		$	3,320		$	1,461		$	526		$	370	$	5		$	7,053
Charge Offs		(39	)		-		(22	)		-			(55	)		(103	)		-		-			(219	)
Recoveries		-			-		1			2			13			32			-		-			48
Provision (Credit)		38			12		(2	)		(17	)		131			90			-		(5	)		247
Other Non-interest expense related to unfunded		-			-		-			-			-			-			60		-			60
Ending Balance	$	274		$	352	$	733		$	3,305		$	1,550		$	545		$	430	$	-		$	7,189
Ending balance: individually evaluated for impairment	$	22		$	-	$	-		$	-		$	165		$	-		$	-	$	-		$	187
Ending balance: collectively evaluated for impairment	$	252		$	352	$	733		$	3,305		$	1,385		$	545		$	430	$	-		$	7,002
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-	$	-		$	-		$	-		$	-		$	-	$	-		$	-
FINANCING RECEIVABLES:
Ending balance	$	158,458		$	200,625	$	110,405		$	501,095		$	138,395		$	49,718		$	-	$	-		$	1,158,696
Ending balance: individually evaluated for impairment	$	752		$	406	$	368		$	304		$	1,398		$	-		$	-	$	-		$	3,228
Ending balance: collectively evaluated for impairment	$	157,659		$	200,219	$	110,037		$	500,791		$	136,997		$	49,718		$	-	$	-		$	1,155,421
Ending balance: loans acquired with deteriorated credit quality	$	47		$	-	$	-		$	-		$	-		$	-		$	-	$	-		$	47

	Consumer Real Estate			Agricultural Real Estate		Agricultural			Commercial Real Estate			Commercial and Industrial			Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated		Total
Nine Months Ended September 30, 2020
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	311		$	314	$	691		$	3,634		$	1,727		$	551		$	479	$	-	$	7,707
Charge Offs		(35	)		-		-			(8	)		(165	)		(272	)		-		-		(480	)
Recoveries		7			-		-			7			19			116			-		-		149
Provision (Credit)		247			448		(22	)		2,102			1,691			209			-		311		4,986
Other Non-interest expense related to unfunded		-			-		-			-			-			-			154		-		154
Ending Balance	$	530		$	762	$	669		$	5,735		$	3,272		$	604		$	633	$	311	$	12,516
Ending balance: individually evaluated for impairment	$	43		$	432	$	28		$	44		$	651		$	-		$	-	$	-	$	1,198
Ending balance: collectively evaluated for impairment	$	487		$	330	$	641		$	5,691		$	2,621		$	604		$	633	$	311	$	11,318
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-	$	-		$	-		$	-		$	-		$	-	$	-	$	-
FINANCING RECEIVABLES:
Ending balance	$	175,595		$	192,577	$	103,476		$	593,936		$	244,823		$	53,455		$	-	$	-	$	1,363,862
Ending balance: individually evaluated for impairment	$	985		$	7,014	$	721		$	3,219		$	3,295		$	25		$	-	$	-	$	15,259
Ending balance: collectively evaluated for impairment	$	174,567		$	185,563	$	102,755		$	590,717		$	241,528		$	53,339		$	-	$	-	$	1,348,469
Ending balance: loans acquired with deteriorated credit quality	$	43		$	-	$	-		$	-		$	-		$	91		$	-	$	-	$	134

	Consumer Real Estate			Agricultural Real Estate		Agricultural			Commercial Real Estate		Commercial and Industrial			Consumer			Unfunded Loan Commitment & Letters of Credit		Unallocated			Total
Nine Months Ended September 30, 2019
ALLOWANCE FOR CREDIT LOSSES:
Beginning balance	$	247		$	250	$	768		$	3,217	$	1,305		$	484		$	274	$	504		$	7,049
Charge Offs		(95	)		-		(22	)		-		(55	)		(382	)		-		-			(554	)
Recoveries		-			-		3			7		21			97			-		-			128
Provision (Credit)		122			102		(16	)		81		279			346			-		(504	)		410
Other Non-interest expense related to unfunded		-			-		-			-		-			-			156		-			156
Ending Balance	$	274		$	352	$	733		$	3,305	$	1,550		$	545		$	430	$	-		$	7,189
Ending balance: individually evaluated for impairment	$	22		$	-	$	-		$	-	$	165		$	-		$	-	$	-		$	187
Ending balance: collectively evaluated for impairment	$	252		$	352	$	733		$	3,305	$	1,385		$	545		$	430	$	-		$	7,002
Ending balance: loans acquired with deteriorated credit quality	$	-		$	-	$	-		$	-	$	-		$	-		$	-	$	-		$	-
FINANCING RECEIVABLES:
Ending balance	$	158,458		$	200,625	$	110,405		$	501,095	$	138,395		$	49,718		$	-	$	-		$	1,158,696
Ending balance: individually evaluated for impairment	$	752		$	406	$	368		$	304	$	1,398		$	-		$	-	$	-		$	3,228
Ending balance: collectively evaluated for impairment	$	157,659		$	200,219	$	110,037		$	500,791	$	136,997		$	49,718		$	-	$	-		$	1,155,421
Ending balance: loans acquired with deteriorated credit quality	$	47		$	-	$	-		$	-	$	-		$	-		$	-	$	-		$	47