Summary of loans


	June 30,		Dec. 31,
	2020		2019
Residential mortgage:
Residential mortgage loans - first liens	$	493,214	$	510,641
Residential mortgage loans - junior liens		25,632		27,503
Home equity lines of credit		31,826		33,638
1-4 Family residential construction		15,621		14,798
Total residential mortgage		566,293		586,580
Commercial:
Commercial loans secured by real estate		293,304		301,227
Commercial and industrial		120,202		126,374
Small Business Administration - Paycheck Protection Program		97,103		0
Political subdivisions		43,134		53,570
Commercial construction and land		40,348		33,555
Loans secured by farmland		11,433		12,251
Multi-family (5 or more) residential		32,699		31,070
Agricultural loans		3,874		4,319
Other commercial loans		16,579		16,535
Total commercial		658,676		578,901
Consumer		16,444		16,741
Total		1,241,413		1,182,222
Less: allowance for loan losses		(11,026)		(9,836)
Loans, net	$	1,230,387	$	1,172,386

Schedule of PCI loans


(In Thousands)	June 30,		December 31,
	2020		2019
Outstanding balance	$	407	$	759
Carrying amount		305		441

Schedule of transactions within the allowance for loan losses


Three Months Ended June 30, 2020	March 31,								June 30,
(In Thousands)	2020 Balance		Charge-offs		Recoveries		Provision (Credit)		2020 Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	3,572	$	0	$	1	$	(42)	$	3,531
Residential mortgage loans - junior liens		414		0		0		(49)		365
Home equity lines of credit		278		0		1		8		287
1-4 Family residential construction		119		0		0		18		137
Total residential mortgage		4,383		0		2		(65)		4,320
Commercial:
Commercial loans secured by real estate		1,932		0		0		494		2,426
Commercial and industrial		2,645		0		0		(149)		2,496
Commercial construction and land		970		(107)		0		(443)		420
Loans secured by farmland		144		0		0		2		146
Multi-family (5 or more) residential		199		0		0		(36)		163
Agricultural loans		39		0		0		1		40
Other commercial loans		160		0		0		7		167
Total commercial		6,089		(107)		0		(124)		5,858
Consumer		273		(39)		16		13		263
Unallocated		585		0		0		0		585
Total Allowance for Loan Losses	$	11,330	$	(146)	$	18	$	(176)	$	11,026


Three Months Ended June 30, 2019	March 31,								June 30,
(In Thousands)	2019 Balance		Charge-offs		Recoveries		Provision (Credit)		2019 Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	3,178	$	(33)	$	1	$	(16)	$	3,130
Residential mortgage loans - junior liens		329		0		0		4		333
Home equity lines of credit		286		0		1		(7)		280
1-4 Family residential construction		198		0		0		22		220
Total residential mortgage		3,991		(33)		2		3		3,963
Commercial:
Commercial loans secured by real estate		1,887		0		0		(310)		1,577
Commercial and industrial		1,069		(6)		1		182		1,246
Commercial construction and land		114		0		0		38		152
Loans secured by farmland		98		0		0		4		102
Multi-family (5 or more) residential		112		0		0		38		150
Agricultural loans		43		0		0		(1)		42
Other commercial loans		121		0		0		(2)		119
Total commercial		3,444		(6)		1		(51)		3,388
Consumer		236		(29)		13		44		264
Unallocated		585		0		0		0		585
Total Allowance for Loan Losses	$	8,256	$	(68)	$	16	$	(4)	$	8,200


	Dec. 31,								June 30,
Six Months Ended June 30, 2020	2019						Provision		2020
(In Thousands)	Balance		Charge-offs		Recoveries		(Credit)		Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	3,405	$	0	$	2	$	124	$	3,531
Residential mortgage loans - junior liens		384		0		1		(20)		365
Home equity lines of credit		276		0		2		9		287
1-4 Family residential construction		117		0		0		20		137
Total residential mortgage		4,182		0		5		133		4,320
Commercial:
Commercial loans secured by real estate		1,921		0		0		505		2,426
Commercial and industrial		1,391		(17)		0		1,122		2,496
Commercial construction and land		966		(107)		0		(439)		420
Loans secured by farmland		158		0		0		(12)		146
Multi-family (5 or more) residential		156		0		0		7		163
Agricultural loans		41		0		0		(1)		40
Other commercial loans		155		0		0		12		167
Total commercial		4,788		(124)		0		1,194		5,858
Consumer		281		(70)		27		25		263
Unallocated		585		0		0		0		585
Total Allowance for Loan Losses	$	9,836	$	(194)	$	32	$	1,352	$	11,026


	Dec. 31,								June 30,
Six Months Ended June 30, 2019	2018						Provision		2019
(In Thousands)	Balance		Charge-offs		Recoveries		(Credit)		Balance
Allowance for Loan Losses:
Residential mortgage:
Residential mortgage loans - first liens	$	3,156	$	(83)	$	2	$	55	$	3,130
Residential mortgage loans - junior liens		325		(24)		0		32		333
Home equity lines of credit		302		0		4		(26)		280
1-4 Family residential construction		203		0		0		17		220
Total residential mortgage		3,986		(107)		6		78		3,963
Commercial:
Commercial loans secured by real estate		2,538		0		0		(961)		1,577
Commercial and industrial		1,553		(6)		3		(304)		1,246
Commercial construction and land		110		0		0		42		152
Loans secured by farmland		102		0		0		0		102
Multi-family (5 or more) residential		114		0		0		36		150
Agricultural loans		46		0		0		(4)		42
Other commercial loans		128		0		0		(9)		119
Total commercial		4,591		(6)		3		(1,200)		3,388
Consumer		233		(66)		22		75		264
Unallocated		499		0		0		86		585
Total Allowance for Loan Losses	$	9,309	$	(179)	$	31	$	(961)	$	8,200

Summary of loan balances and the related allowance for loan losses


	Loans:								Allowance for Loan Losses:
					Purchased
	Individually		Collectively		Performing				Individually		Collectively
	Evaluated		Evaluated		Loans		Totals		Evaluated		Evaluated		Totals
Residential mortgage:
Residential mortgage loans - first liens	$	1,358	$	391,116	$	100,740	$	493,214	$	10	$	3,521	$	3,531
Residential mortgage loans - junior liens		355		23,422		1,855		25,632		154		211		365
Home equity lines of credit		0		30,540		1,286		31,826		0		287		287
1-4 Family residential construction		0		15,621		0		15,621		0		137		137
Total residential mortgage		1,713		460,699		103,881		566,293		164		4,156		4,320
Commercial:
Commercial loans secured by real estate		7,501		186,066		99,737		293,304		494		1,932		2,426
Commercial and industrial		4,645		112,891		2,666		120,202		1,264		1,232		2,496
Small Business Administration - Paycheck
Protection Program		0		97,103		0		97,103		0		0		0
Political subdivisions		0		43,134		0		43,134		0		0		0
Commercial construction and land		0		40,348		0		40,348		0		420		420
Loans secured by farmland		421		10,758		254		11,433		34		112		146
Multi-family (5 or more) residential		0		11,195		21,504		32,699		0		163		163
Agricultural loans		0		3,874		0		3,874		0		40		40
Other commercial loans		0		16,031		548		16,579		0		167		167
Total commercial		12,567		521,400		124,709		658,676		1,792		4,066		5,858
Consumer		0		16,444		0		16,444		0		263		263
Unallocated														585

Total	$	14,280	$	998,543	$	228,590	$	1,241,413	$	1,956	$	8,485	$	11,026

December 31, 2019

(In Thousands)


	Loans:								Allowance for Loan Losses:
					Purchased
	Individually		Collectively		Performing				Individually		Collectively
	Evaluated		Evaluated		Loans		Totals		Evaluated		Evaluated		Totals
Residential mortgage:
Residential mortgage loans - first liens	$	1,023	$	405,186	$	104,432	$	510,641	$	0	$	3,405	$	3,405
Residential mortgage loans - junior liens		368		24,730		2,405		27,503		176		208		384
Home equity lines of credit		0		32,147		1,491		33,638		0		276		276
1-4 Family residential construction		0		14,640		158		14,798		0		117		117
Total residential mortgage		1,391		476,703		108,486		586,580		176		4,006		4,182
Commercial:
Commercial loans secured by real estate		684		198,532		102,011		301,227		0		1,921		1,921
Commercial and industrial		1,467		122,313		2,594		126,374		149		1,242		1,391
Political subdivisions		0		53,570		0		53,570		0		0		0
Commercial construction and land		1,261		29,710		2,584		33,555		678		288		966
Loans secured by farmland		607		11,386		258		12,251		48		110		158
Multi-family (5 or more) residential		0		10,617		20,453		31,070		0		156		156
Agricultural loans		76		4,243		0		4,319		0		41		41
Other commercial loans		0		15,947		588		16,535		0		155		155
Total commercial		4,095		446,318		128,488		578,901		875		3,913		4,788
Consumer		0		16,741		0		16,741		0		281		281
Unallocated		585

Total	$	5,486	$	939,762	$	236,974	$	1,182,222	$	1,051	$	8,200	$	9,836

Schedule of average balances of impaired loans, excluding purchased credit impaired loans, and interest income recognized


(In Thousands)									Interest Income Recognized on
	Average Investment in Impaired Loans								Impaired Loans on a Cash Basis
	3 Months Ended				6 Months Ended				3 Months Ended				6 Months Ended
	June 30,				June 30,				June 30,				June 30,
	2020		2019		2020		2019		2020		2019		2020		2019
Residential mortgage:
Residential mortgage loans - first lien	$	1,398	$	970	$	1,315	$	977	$	35	$	8	$	43	$	18
Residential mortgage loans - junior lien		391		289		387		290		13		0		13		2
Home equity lines of credit		65		0		65		0		1		0		2		0
Total residential mortgage		1,854		1,259		1,767		1,267		49		8		58		20
Commercial:
Commercial loans secured by real estate		3,771		1,722		2,079		2,582		12		7		16		17
Commercial and industrial		4,460		1,241		3,666		1,546		19		8		20		34
Commercial construction and land		678		0		993		0		1		0		13		0
Loans secured by farmland		422		1,533		469		1,471		7		18		24		19
Agricultural loans		76		626		76		639		2		12		2		24
Other commercial loans		25		0		37		0		0		0		1		0
Total commercial		9,432		5,122		7,320		6,238		41		45		76		94
Consumer		0		0		0		6		0		0		0		0
Total	$	11,286	$	6,381	$	9,087	$	7,511	$	90	$	53	$	134	$	114

Schedule of amounts shown in the table immediately above include loans classified as debt restructurings and contractual aging of loans


(In Thousands)	As of June 30, 2020								As of December 31, 2019
	Current &								Current &
	Past Due		Past Due		Past Due				Past Due		Past Due		Past Due
	Less than		30-89		90+				Less than		30-89		90+
	30 Days		Days		Days		Total		30 Days		Days		Days		Total
Residential mortgage:
Residential mortgage loans - first liens	$	484,129	$	5,111	$	3,974	$	493,214	$	499,024	$	7,839	$	3,778	$	510,641
Residential mortgage loans - junior liens		25,482		4		146		25,632		27,041		83		379		27,503
Home equity lines of credit		31,246		337		243		31,826		33,115		452		71		33,638
1-4 Family residential construction		15,621		0		0		15,621		14,758		40		0		14,798
Total residential mortgage		556,478		5,452		4,363		566,293		573,938		8,414		4,228		586,580

Commercial:
Commercial loans secured by real estate		291,728		245		1,331		293,304		299,640		737		850		301,227
Commercial and industrial		116,429		67		3,706		120,202		126,221		16		137		126,374
Small Business Administration -
Paycheck Protection Program		97,103		0		0		97,103		0		0		0		0
Political subdivisions		43,134		0		0		43,134		53,570		0		0		53,570
Commercial construction and land		39,947		351		50		40,348		33,505		0		50		33,555
Loans secured by farmland		11,159		52		222		11,433		11,455		666		130		12,251
Multi-family (5 or more) residential		32,699		0		0		32,699		31,070		0		0		31,070
Agricultural loans		3,800		74		0		3,874		4,318		1		0		4,319
Other commercial loans		16,553		26		0		16,579		16,535		0		0		16,535
Total commercial		652,552		815		5,309		658,676		576,314		1,420		1,167		578,901
Consumer		16,205		124		115		16,444		16,496		189		56		16,741
Totals	$	1,225,235	$	6,391	$	9,787	$	1,241,413	$	1,166,748	$	10,023	$	5,451	$	1,182,222

Schedule of outstanding balance of loans as troubled debt restructurings


(In Thousands)	Current &
	Past Due		Past Due		Past Due
	Less than		30-89		90+
	30 Days		Days		Days		Nonaccrual		Total
June 30, 2020 Totals	$	172	$	93	$	338	$	452	$	1,055
December 31, 2019 Totals	$	889	$	0	$	0	$	1,737	$	2,626

Schedule of mortgage loans secured by residential real properties


(In Thousands)	June 30,		Dec. 31,
	2020		2019
Residential real estate in process of foreclosure	$	1,502	$	1,717

Notes Tables