Summary of Loans by Type

(In Thousands)


	March 31,		December 31,
	2022		2021
Commercial:
Commercial loans secured by real estate	$	585,677	$	569,840
Commercial and industrial		159,793		159,073
Paycheck Protection Program - 1st Draw		887		1,356
Paycheck Protection Program - 2nd Draw		11,490		25,508
Political subdivisions		81,975		81,301
Commercial construction and land		37,258		60,579
Loans secured by farmland		12,507		11,121
Multi-family (5 or more) residential		53,141		50,089
Agricultural loans		2,588		2,351
Other commercial loans		14,827		17,153
Total commercial		960,143		978,371
Residential mortgage:
Residential mortgage loans - first liens		481,119		483,629
Residential mortgage loans - junior liens		22,572		23,314
Home equity lines of credit		39,649		39,252
1-4 Family residential construction		16,945		23,151
Total residential mortgage		560,285		569,346
Consumer		17,762		17,132
Total		1,538,190		1,564,849
Less: allowance for loan losses		(14,271)		(13,537)
Loans, net	$	1,523,919	$	1,551,312


March 31, 2022									Purchased
(In Thousands)			Special						Credit
	Pass		Mention		Substandard		Doubtful		Impaired		Total
Commercial:
Commercial loans secured by real estate	$	547,705	$	18,000	$	16,098	$	0	$	3,874	$	585,677
Commercial and Industrial		144,864		11,030		3,860		0		39		159,793
Paycheck Protection Program - 1st Draw		887		0		0		0		0		887
Paycheck Protection Program - 2nd Draw		11,490		0		0		0		0		11,490
Political subdivisions		81,975		0		0		0		0		81,975
Commercial construction and land		36,496		714		48		0		0		37,258
Loans secured by farmland		11,319		287		901		0		0		12,507
Multi-family (5 or more) residential		52,274		0		867		0		0		53,141
Agricultural loans		2,054		0		534		0		0		2,588
Other commercial loans		14,826		1		0		0		0		14,827
Total commercial		903,890		30,032		22,308		0		3,913		960,143
Residential Mortgage:
Residential mortgage loans - first liens		466,862		7,548		6,640		0		69		481,119
Residential mortgage loans - junior liens		22,182		57		332		0		1		22,572
Home equity lines of credit		38,961		59		629		0		0		39,649
1-4 Family residential construction		16,945		0		0		0		0		16,945
Total residential mortgage		544,950		7,664		7,601		0		70		560,285
Consumer		17,713		0		49		0		0		17,762
Totals	$	1,466,553	$	37,696	$	29,958	$	0	$	3,983	$	1,538,190


December 31, 2021									Purchased
(In Thousands)			Special						Credit
	Pass		Mention		Substandard		Doubtful		Impaired		Total
Commercial:
Commercial loans secured by real estate	$	538,966	$	10,510	$	16,220	$	0	$	4,144	$	569,840
Commercial and Industrial		142,775		10,841		4,694		0		763		159,073
Paycheck Protection Program - 1st Draw		1,356		0		0		0		0		1,356
Paycheck Protection Program - 2nd Draw		25,508		0		0		0		0		25,508
Political subdivisions		81,301		0		0		0		0		81,301
Commercial construction and land		59,816		715		48		0		0		60,579
Loans secured by farmland		10,011		186		924		0		0		11,121
Multi-family (5 or more) residential		47,638		0		873		0		1,578		50,089
Agricultural loans		1,802		0		549		0		0		2,351
Other commercial loans		17,150		3		0		0		0		17,153
Total commercial		926,323		22,255		23,308		0		6,485		978,371
Residential Mortgage:
Residential mortgage loans - first liens		469,044		7,981		6,534		0		70		483,629
Residential mortgage loans - junior liens		22,914		114		283		0		3		23,314
Home equity lines of credit		38,652		59		541		0		0		39,252
1-4 Family residential construction		23,151		0		0		0		0		23,151
Total residential mortgage		553,761		8,154		7,358		0		73		569,346
Consumer		17,092		0		40		0		0		17,132
Totals	$	1,497,176	$	30,409	$	30,706	$	0	$	6,558	$	1,564,849


(In Thousands)	March 31, 2022						December 31, 2021
	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	$	6,253	$	4,137	$	0	$	6,600	$	4,458	$	0
Commercial and industrial		3,199		592		0		5,213		2,431		0
Residential mortgage loans - first liens		637		523		0		656		630		0
Residential mortgage loans - junior liens		142		35		0		124		14		0
Loans secured by farmland		82		82		0		83		83		0
Agricultural loans		60		60		0		0		0		0
Construction and other land loans		48		48		0		0		0		0
Multi-family (5 or more) residential		0		0		0		2,734		1,578		0
Total with no related allowance recorded		10,421		5,477		0		15,410		9,194		0

With a related allowance recorded:
Commercial loans secured by real estate		6,456		6,456		658		6,468		6,468		668
Commercial and industrial		72		72		72		72		72		72
Total with a related allowance recorded		6,528		6,528		730		6,540		6,540		740
Total	$	16,949	$	12,005	$	730	$	21,950	$	15,734	$	740


(In Thousands)	March 31, 2022				December 31, 2021
	Past Due				Past Due
	90+ Days and				90+ Days and
	Accruing		Nonaccrual		Accruing		Nonaccrual
Commercial:
Commercial loans secured by real estate	$	1,217	$	10,593	$	738	$	10,885
Commercial and industrial		788		376		30		2,299
Commercial construction and land		0		47		0		48
Loans secured by farmland		0		81		28		83
Multi-family (5 or more) residential		0		0		0		1,578
Agricultural loans		60		0		65		0
Total commercial		2,065		11,097		861		14,893
Residential mortgage:
Residential mortgage loans - first liens		1,139		3,638		1,144		4,005
Residential mortgage loans - junior liens		76		2		69		3
Home equity lines of credit		102		167		102		82
Total residential mortgage		1,317		3,807		1,315		4,090
Consumer		47		41		43		16
Totals	$	3,429	$	14,945	$	2,219	$	18,999


(Balances in Thousands)	Three Months Ended			Three Months Ended
	March 31, 2022			March 31, 2021
	Number			Number
	of	Recorded		of	Recorded
	Loans	Investment		Loans	Investment
Commercial loans secured by real estate	0	$	0	1	$	3,392
Total	0	$	0	1	$	3,392


(In Thousands)	March 31,		December 31,
	2022		2021
Residential real estate in process of foreclosure	$	1,547	$	1,260