Summary of Loans by Type

(In Thousands)


	September 30,		December 31,
	2020		2019
Residential mortgage:
Residential mortgage loans - first liens	$	541,827	$	510,641
Residential mortgage loans - junior liens		27,907		27,503
Home equity lines of credit		40,143		33,638
1-4 Family residential construction		29,146		14,798
Total residential mortgage		639,023		586,580
Commercial:
Commercial loans secured by real estate		530,874		301,227
Commercial and industrial		156,169		126,374
Small Business Administration - Paycheck Protection Program		163,050		0
Political subdivisions		47,883		53,570
Commercial construction and land		41,906		33,555
Loans secured by farmland		11,913		12,251
Multi-family (5 or more) residential		62,330		31,070
Agricultural loans		3,561		4,319
Other commercial loans		17,385		16,535
Total commercial		1,035,071		578,901
Consumer		17,276		16,741
Total		1,691,370		1,182,222
Less: allowance for loan losses		(10,753)		(9,836)
Loans, net	$	1,680,617	$	1,172,386


(In Thousands)
	Three Months Ended				Nine Months Ended
	September 30,		September 30,		September 30,		September 30,
	2020		2019		2020		2019
Market Rate Adjustment
Adjustments to gross amortized cost of loans at beginning of period	$	(1,103)	$	(1,658)	$	(1,415)	$	0
Market rate adjustment recorded in acquisition		2,909		0		2,909		(1,807)
(Amortization) accretion recognized in interest income		(452)		110		(140)		259
Adjustments to gross amortized cost of loans at end of period	$	1,354	$	(1,548)	$	1,354	$	(1,548)
Credit Adjustment on Non-impaired Loans
Adjustments to gross amortized cost of loans at beginning of period	$	(878)	$	(1,653)	$	(1,216)	$	0
Credit adjustment recorded in acquisition		(7,219)		0		(7,219)		(1,914)
Accretion recognized in interest income		970		260		1,308		521
Adjustments to gross amortized cost of loans at end of period	$	(7,127)	$	(1,393)	$	(7,127)	$	(1,393)

September 30, 2020

(In Thousands)


									Purchased
			Special						Credit
	Pass		Mention		Substandard		Doubtful		Impaired		Total
Residential Mortgage:
Residential Mortgage loans - first liens	$	525,833	$	6,331	$	9,586	$	0	$	77	$	541,827
Residential Mortgage loans - junior liens		27,078		124		570		63		72		27,907
Home Equity lines of credit		39,408		59		676		0		0		40,143
1-4 Family residential construction		29,146		0		0		0		0		29,146
Total residential mortgage		621,465		6,514		10,832		63		149		639,023
Commercial:
Commercial loans secured by real estate		508,540		7,920		10,072		0		4,342		530,874
Commercial and Industrial		142,181		9,495		2,905		802		786		156,169
Small Business Administration - Paycheck Protection Program		163,050		0		0		0		0		163,050
Political subdivisions		47,883		0		0		0		0		47,883
Commercial construction and land		41,659		198		49		0		0		41,906
Loans secured by farmland		10,231		453		1,229		0		0		11,913
Multi-family (5 or more) residential		56,507		2,420		1,233		0		2,170		62,330
Agricultural loans		2,959		0		602		0		0		3,561
Other commercial loans		17,385		0		0		0		0		17,385
Total commercial		990,395		20,486		16,090		802		7,298		1,035,071
Consumer		17,184		0		92		0		0		17,276
Totals	$	1,629,044	$	27,000	$	27,014	$	865	$	7,447	$	1,691,370


(In Thousands)	September 30, 2020						December 31, 2019
	Unpaid						Unpaid
	Principal		Recorded		Related		Principal		Recorded		Related
	Balance		Investment		Allowance		Balance		Investment		Allowance
With no related allowance recorded:
Residential mortgage loans - first liens	$	1,084	$	1,034	$	0	$	645	$	617	$	0
Residential mortgage loans - junior liens		167		112		0		42		42		0
Home equity lines of credit		151		85		0		0		0		0
Commercial loans secured by real estate		7,570		5,745		0		684		684		0
Commercial and industrial		1,732		1,295		0		563		563		0
Loans secured by farmland		85		85		0		129		129		0
Multi-family (5 or more) residential		2,771		2,171		0		0		0		0
Agricultural loans		0		0		0		76		76		0
Total with no related allowance recorded		13,560		10,527		0		2,139		2,111		0

With a related allowance recorded:
Residential mortgage loans - first liens		1,204		1,204		9		406		406		0
Residential mortgage loans - junior liens		312		312		161		326		326		176
Commercial loans secured by real estate		6,497		6,497		409		0		0		0
Commercial and industrial		72		72		72		904		904		149
Construction and other land loans		0		0		0		1,261		1,261		678
Loans secured by farmland		0		0		0		478		478		48
Total with a related allowance recorded		8,085		8,085		651		3,375		3,375		1,051
Total	$	21,645	$	18,612	$	651	$	5,514	$	5,486	$	1,051


(In Thousands)	September 30, 2020				December 31, 2019
	Past Due				Past Due
	90+ Days and				90+ Days and
	Accruing		Nonaccrual		Accruing		Nonaccrual
Residential mortgage:
Residential mortgage loans - first liens	$	1,336	$	6,354	$	878	$	4,679
Residential mortgage loans - junior liens		56		383		53		326
Home equity lines of credit		213		255		71		73
1-4 Family residential construction		0		39		0		0
Total residential mortgage		1,605		7,031		1,002		5,078
Commercial:
Commercial loans secured by real estate		381		12,414		107		1,148
Commercial and industrial		112		955		15		1,051
Commercial construction and land		0		49		0		1,311
Loans secured by farmland		188		85		43		565
Multi-family (5 or more) residential		0		2,170		0		0
Other commercial		0		0		0		49
Total commercial		681		15,673		165		4,124
Consumer		22		92		40		16
Totals	$	2,308	$	22,796	$	1,207	$	9,218


(In Thousands)	Current &
	Past Due		Past Due		Past Due
	Less than		30-89		90+
	30 Days		Days		Days		Total
September 30, 2020 Nonaccrual Totals	$	12,605	$	1,228	$	8,963	$	22,796
December 31, 2019 Nonaccrual Totals	$	3,840	$	1,134	$	4,244	$	9,218


(Balances in Thousands)	Three Months Ended			Three Months Ended
	September 30, 2020			September 30, 2019
	Number			Number
	of	Recorded		of	Recorded
	Loans	Investment		Loans	Investment
Residential mortgage - junior liens	0	$	0	1	$	18
Commercial loans secured by real estate	1		240	0		0
Commercial and industrial	0		0	9		431
Agricultural loans	0		0	1		81
Total	1	$	240	12	$	530


(Balances in Thousands)	Nine Months Ended			Nine Months Ended
	September 30, 2020			September 30, 2019
	Number			Number
	of	Recorded		of	Recorded
	Loans	Investment		Loans	Investment
Residential mortgage - junior liens	0	$	0	1	$	18
Commercial loans secured by real estate	1		240	0		0
Commercial and industrial	0		0	9		431
Agricultural loans	0		0	1		81
Total	1	$	240	12	$	530


(In Thousands)	September 30,		December 31,
	2020		2019
Residential real estate in process of foreclosure	$	1,719	$	1,717