Summary of Loans by Type

(In Thousands)


	September 30,		December 31,
	2021		2020
Commercial:
Commercial loans secured by real estate	$	553,389	$	531,810
Commercial and industrial		152,244		159,577
Paycheck Protection Program - 1st Draw		5,747		132,269
Paycheck Protection Program - 2nd Draw		56,981		0
Political subdivisions		73,503		53,221
Commercial construction and land		53,267		42,874
Loans secured by farmland		10,812		11,736
Multi-family (5 or more) residential		52,962		55,811
Agricultural loans		3,092		3,164
Other commercial loans		17,312		17,289
Total commercial		979,309		1,007,751
Residential mortgage:
Residential mortgage loans - first liens		494,376		532,947
Residential mortgage loans - junior liens		24,303		27,311
Home equity lines of credit		38,465		39,301
1-4 Family residential construction		21,719		20,613
Total residential mortgage		578,863		620,172
Consumer		17,536		16,286
Total		1,575,708		1,644,209
Less: allowance for loan losses		(12,700)		(11,385)
Loans, net	$	1,563,008	$	1,632,824


September 30, 2021									Purchased
(In Thousands)			Special						Credit
	Pass		Mention		Substandard		Doubtful		Impaired		Total
Commercial:
Commercial loans secured by real estate	$	519,673	$	15,055	$	14,473	$	0	$	4,188	$	553,389
Commercial and Industrial		136,858		8,578		6,028		0		780		152,244
Paycheck Protection Program - 1st Draw		5,747		0		0		0		0		5,747
Paycheck Protection Program - 2nd Draw		56,981		0		0		0		0		56,981
Political subdivisions		73,503		0		0		0		0		73,503
Commercial construction and land		52,504		715		48		0		0		53,267
Loans secured by farmland		9,639		194		979		0		0		10,812
Multi-family (5 or more) residential		48,154		2,352		878		0		1,578		52,962
Agricultural loans		2,533		0		559		0		0		3,092
Other commercial loans		17,307		5		0		0		0		17,312
Total commercial		922,899		26,899		22,965		0		6,546		979,309
Residential Mortgage:
Residential mortgage loans - first liens		482,710		5,066		6,528		0		72		494,376
Residential mortgage loans - junior liens		23,676		107		514		0		6		24,303
Home equity lines of credit		37,889		59		517		0		0		38,465
1-4 Family residential construction		21,719		0		0		0		0		21,719
Total residential mortgage		565,994		5,232		7,559		0		78		578,863
Consumer		17,505		0		31		0		0		17,536
Totals	$	1,506,398	$	32,131	$	30,555	$	0	$	6,624	$	1,575,708


December 31, 2020									Purchased
(In Thousands)			Special						Credit
	Pass		Mention		Substandard		Doubtful		Impaired		Total
Commercial:
Commercial loans secured by real estate	$	494,876	$	17,374	$	15,262	$	0	$	4,298	$	531,810
Commercial and Industrial		143,500		8,025		7,268		0		784		159,577
Paycheck Protection Program - 1st Draw		132,269		0		0		0		0		132,269
Political subdivisions		53,221		0		0		0		0		53,221
Commercial construction and land		42,110		715		49		0		0		42,874
Loans secured by farmland		10,473		405		858		0		0		11,736
Multi-family (5 or more) residential		50,563		2,405		1,229		0		1,614		55,811
Agricultural loans		2,569		0		595		0		0		3,164
Other commercial loans		17,289		0		0		0		0		17,289
Total commercial		946,870		28,924		25,261		0		6,696		1,007,751
Residential Mortgage:
Residential Mortgage loans - first liens		516,685		6,192		9,994		0		76		532,947
Residential Mortgage loans - junior liens		26,480		141		621		0		69		27,311
Home equity lines of credit		38,529		59		713		0		0		39,301
1-4 Family residential construction		20,613		0		0		0		0		20,613
Total residential mortgage		602,307		6,392		11,328		0		145		620,172
Consumer		16,172		0		114		0		0		16,286
Totals	$	1,565,349	$	35,316	$	36,703	$	0	$	6,841	$	1,644,209


(In Thousands)	September 30, 2021						December 31, 2020
	Unpaid						Unpaid
	Principal		Recorded		Related		Principal		Recorded		Related
	Balance		Investment		Allowance		Balance		Investment		Allowance
With no related allowance recorded:
Commercial loans secured by real estate	$	7,068	$	4,823	$	0	$	7,168	$	5,398	$	0
Commercial and industrial		5,930		3,526		0		1,781		1,287		0
Residential mortgage loans - first liens		786		760		0		1,248		1,248		0
Residential mortgage loans - junior liens		65		18		0		160		105		0
Loans secured by farmland		84		84		0		84		84		0
Multi-family (5 or more) residential		2,734		1,578		0		2,770		1,614		0
Total with no related allowance recorded		16,667		10,789		0		13,211		9,736		0

With a related allowance recorded:
Commercial loans secured by real estate		6,480		6,480		672		6,501		6,501		691
Commercial and industrial		72		72		72		72		72		72
Residential mortgage loans - first liens		374		374		0		1,200		1,200		9
Residential mortgage loans - junior liens		299		299		139		309		309		153
Total with a related allowance recorded		7,225		7,225		883		8,082		8,082		925
Total	$	23,892	$	18,014	$	883	$	21,293	$	17,818	$	925


(In Thousands)	September 30, 2021				December 31, 2020
	Past Due				Past Due
	90+ Days and				90+ Days and
	Accruing		Nonaccrual		Accruing		Nonaccrual
Commercial:
Commercial loans secured by real estate	$	752	$	11,205	$	395	$	11,550
Commercial and industrial		99		3,232		142		970
Commercial construction and land		0		48		0		49
Loans secured by farmland		30		84		188		84
Multi-family (5 or more) residential		0		1,578		0		1,614
Agricultural loans		66		0		0		0
Other commercial		0		0		71		0
Total commercial		947		16,147		796		14,267
Residential mortgage:
Residential mortgage loans - first liens		832		4,569		838		6,387
Residential mortgage loans - junior liens		71		305		52		378
Home equity lines of credit		64		289		233		299
Total residential mortgage		967		5,163		1,123		7,064
Consumer		10		31		56		85
Totals	$	1,924	$	21,341	$	1,975	$	21,416


(In Thousands)	Current &
	Past Due		Past Due		Past Due
	Less than		30-89		90+
	30 Days		Days		Days		Total
September 30, 2021 Nonaccrual Totals	$	12,787	$	1,028	$	7,526	$	21,341
December 31, 2020 Nonaccrual Totals	$	12,999	$	2,689	$	5,728	$	21,416


(Balances in Thousands)	Three Months Ended			Three Months Ended
	September 30, 2021			September 30, 2020
	Number			Number
	of	Recorded		of	Recorded
	Loans	Investment		Loans	Investment
Commercial loans secured by real estate	0	$	0	1	$	240
Total	0	$	0	1	$	240


(Balances in Thousands)	Nine Months Ended			Nine Months Ended
	September 30, 2021			September 30, 2020
	Number			Number
	of	Recorded		of	Recorded
	Loans	Investment		Loans	Investment
Commercial loans secured by real estate	1	$	3,392	1	$	240
Total	1	$	3,392	1	$	240


(In Thousands)	September 30,		December 31,
	2021		2020
Residential real estate in process of foreclosure	$	1,392	$	1,246