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Loans (Tables)
6 Months Ended
Jun. 30, 2018
Loans [Abstract]  
Loan Portfolio and Allowance for Loan Losses
The following table summarizes the primary segments of the loan portfolio and how those segments are analyzed within the allowance for loan losses as of June 30, 2018 and December 31, 2017 (in thousands):

June 30, 2018
 
Total Loans
  
Individually
evaluated for impairment
  
Loans acquired
with deteriorated
credit quality
  
Collectively
evaluated for impairment
 
Real estate loans:
            
     Residential
 
$
213,242
  
$
1,131
  
$
30
  
$
212,081
 
     Commercial
  
309,571
   
13,791
   
1,388
   
294,392
 
     Agricultural
  
262,691
   
5,204
   
683
   
256,804
 
     Construction
  
27,901
   
-
   
-
   
27,901
 
Consumer
  
9,740
   
-
   
-
   
9,740
 
Other commercial loans
  
75,002
   
3,934
   
425
   
70,643
 
Other agricultural loans
  
42,131
   
1,471
   
-
   
40,660
 
State and political subdivision loans
  
99,922
   
-
   
-
   
99,922
 
Total
  
1,040,200
   
25,531
   
2,526
   
1,012,143
 
Allowance for loan losses
  
11,941
   
405
   
-
   
11,536
 
Net loans
 
$
1,028,259
  
$
25,126
  
$
2,526
  
$
1,000,607
 

 
December 31, 2017
 
Total Loans
  
Individually
evaluated for
impairment
  
Loans acquired
with deteriorated
credit quality
  
Collectively
evaluated for
impairment
 
Real estate loans:
            
     Residential
 
$
214,479
  
$
1,065
  
$
33
  
$
213,381
 
     Commercial
  
308,084
   
13,864
   
1,460
   
292,760
 
     Agricultural
  
239,957
   
3,901
   
702
   
235,354
 
     Construction
  
13,502
   
-
   
-
   
13,502
 
Consumer
  
9,944
   
8
   
-
   
9,936
 
Other commercial loans
  
72,013
   
4,197
   
443
   
67,373
 
Other agricultural loans
  
37,809
   
1,363
   
-
   
36,446
 
State and political subdivision loans
  
104,737
   
-
   
-
   
104,737
 
Total
  
1,000,525
   
24,398
   
2,638
   
973,489
 
Allowance for loan losses
  
11,190
   
410
   
-
   
10,780
 
Net loans
 
$
989,335
  
$
23,988
  
$
2,638
  
$
962,709
 
Accretable Yield for Purchased Credit Impaired Loans
Changes in the accretable yield for PCI loans were as follows for the three and six months ended June 30, 2018 and 2017, respectively (in thousands):

 
 
Three months ended
  
Six months ended
 
 
 
June 30,
  
June 30,
 
 
 
2018
  
2017
  
2018
  
2017
 
Balance at beginning of period
 
$
82
  
$
275
  
$
106
  
$
389
 
Accretion
  
(23
)
  
(108
)
  
(47
)
  
(222
)
Balance at end of period
 
$
59
  
$
167
  
$
59
  
$
167
 
Loans Acquired with Specific Evidence of Deterioration in Credit Quality
The following table presents additional information regarding loans acquired with specific evidence of deterioration in credit quality under ASC 310-30 (in thousands):


  
June 30, 2018
  
December 31, 2017
 
Outstanding balance
 
$
5,262
  
$
5,295
 
Carrying amount
  
2,526
   
2,638
 
Impaired Financing Receivables with Associated Allowance Amount
The following table includes the recorded investment and unpaid principal balances for impaired financing receivables by class, excluding PCI loans, with the associated allowance amount, if applicable (in thousands):
 
 
    
Recorded
  
Recorded
       
 
 
Unpaid
  
Investment
  
Investment
  
Total
    
 
 
Principal
  
With No
  
With
  
Recorded
  
Related
 
June 30, 2018
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
1,138
  
$
261
  
$
776
  
$
1,037
  
$
15
 
     Home Equity
  
111
   
14
   
80
   
94
   
15
 
     Commercial
  
16,576
   
12,442
   
1,349
   
13,791
   
159
 
     Agricultural
  
5,210
   
3,648
   
1,556
   
5,204
   
25
 
     Construction
  
-
   
-
   
-
   
-
   
-
 
Consumer
  
-
   
-
   
-
   
-
   
-
 
Other commercial loans
  
4,489
   
3,552
   
382
   
3,934
   
151
 
Other agricultural loans
  
1,514
   
1,295
   
176
   
1,471
   
40
 
State and political subdivision loans
  
-
   
-
   
-
   
-
   
-
 
Total
 
$
29,038
  
$
21,212
  
$
4,319
  
$
25,531
  
$
405
 

     
Recorded
  
Recorded
       
  
Unpaid
  
Investment
  
Investment
  
Total
    
 
 
Principal
  
With No
  
With
  
Recorded
  
Related
 
December 31, 2017
 
Balance
  
Allowance
  
Allowance
  
Investment
  
Allowance
 
Real estate loans:
               
     Mortgages
 
$
1,055
  
$
273
  
$
700
  
$
973
  
$
47
 
     Home Equity
  
92
   
40
   
52
   
92
   
9
 
     Commercial
  
16,363
   
13,154
   
710
   
13,864
   
94
 
     Agricultural
  
5,231
   
3,283
   
618
   
3,901
   
3
 
     Construction
  
-
   
-
   
-
   
-
   
-
 
Consumer
  
10
   
2
   
6
   
8
   
-
 
Other commercial loans
  
4,739
   
3,766
   
431
   
4,197
   
231
 
Other agricultural loans
  
1,397
   
1,238
   
125
   
1,363
   
26
 
State and political subdivision loans
  
-
   
-
   
-
   
-
   
-
 
Total
 
$
28,887
  
$
21,756
  
$
2,642
  
$
24,398
  
$
410
 

The following tables includes the average balance of impaired financing receivables by class and the income recognized on these receivables for the three and six month periods ended June 30, 2018 and 2017(in thousands):


 
 
 
For the Three Months Ended
 
 
 
June 30, 2018
  
June 30, 2017
 
 
       
Interest
        
Interest
 
 
 
Average
  
Interest
  
Income
  
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
  
Recorded
  
Income
  
Recognized
 
 
 
Investment
  
Recognized
  
Cash Basis
  
Investment
  
Recognized
  
Cash Basis
 
Real estate loans:
                  
     Mortgages
 
$
1,045
  
$
3
  
$
-
  
$
986
  
$
3
  
$
-
 
     Home Equity
  
95
   
1
   
-
   
60
   
1
   
-
 
     Commercial
  
13,833
   
120
   
3
   
12,980
   
134
   
-
 
     Agricultural
  
4,185
   
49
   
-
   
3,641
   
32
   
-
 
     Construction
  
-
   
-
   
-
   
-
   
-
   
-
 
Consumer
  
-
   
-
   
-
   
3
   
-
   
-
 
Other commercial loans
  
4,067
   
26
   
-
   
5,029
   
37
   
17
 
Other agricultural loans
  
1,342
   
9
   
-
   
1,515
   
22
   
-
 
State and political subdivision loans
  
-
   
-
   
-
   
-
   
-
   
-
 
Total
 
$
24,567
  
$
208
  
$
3
  
$
24,214
  
$
229
  
$
17
 

 
 
For the Six Months ended
 
 
 
June 30, 2018
  
June 30, 2017
 
 
       
Interest
        
Interest
 
 
 
Average
  
Interest
  
Income
  
Average
  
Interest
  
Income
 
 
 
Recorded
  
Income
  
Recognized
  
Recorded
  
Income
  
Recognized
 
 
 
Investment
  
Recognized
  
Cash Basis
  
Investment
  
Recognized
  
Cash Basis
 
Real estate loans:
                  
     Mortgages
 
$
1,034
  
$
7
  
$
-
  
$
940
  
$
6
  
$
-
 
     Home Equity
  
101
   
2
   
-
   
58
   
2
   
-
 
     Commercial
  
13,814
   
242
   
8
   
9,387
   
158
   
3
 
     Agricultural
  
4,135
   
100
   
-
   
3,513
   
63
   
-
 
     Construction
  
-
   
-
   
-
   
-
   
-
   
-
 
Consumer
  
2
   
-
   
-
   
2
   
-
   
-
 
Other commercial loans
  
4,112
   
52
   
-
   
5,313
   
77
   
27
 
Other agricultural loans
  
1,356
   
19
   
-
   
1,571
   
45
   
-
 
State and political subdivision loans
  
-
   
-
   
-
   
-
   
-
   
-
 
Total
 
$
24,554
  
$
422
  
$
8
  
$
20,784
  
$
351
  
$
30
 
Financing Receivable Credit Exposures by Internally Assigned Grades
The following tables represent credit exposures by internally assigned grades as of June 30, 2018 and December 31, 2017 (in thousands):

June 30, 2018
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
Real estate loans:
                  
     Commercial
 
$
284,415
  
$
13,347
  
$
11,690
  
$
119
  
$
-
  
$
309,571
 
     Agricultural
  
244,605
   
12,427
   
5,659
   
-
   
-
   
262,691
 
     Construction
  
27,901
   
-
   
-
   
-
   
-
   
27,901
 
Other commercial loans
  
71,036
   
870
   
2,975
   
121
   
-
   
75,002
 
Other agricultural loans
  
39,753
   
1,048
   
1,330
   
-
   
-
   
42,131
 
State and political
                        
   subdivision loans
  
89,602
   
-
   
10,320
   
-
   
-
   
99,922
 
Total
 
$
757,312
  
$
27,692
  
$
31,974
  
$
240
  
$
-
  
$
817,218
 

December 31, 2017
 
Pass
  
Special Mention
  
Substandard
  
Doubtful
  
Loss
  
Ending Balance
 
Real estate loans:
                  
     Commercial
 
$
281,742
  
$
15,029
  
$
11,271
  
$
42
  
$
-
  
$
308,084
 
     Agricultural
  
222,198
   
11,538
   
6,221
   
-
   
-
   
239,957
 
     Construction
  
13,364
   
-
   
138
   
-
   
-
   
13,502
 
Other commercial loans
  
67,706
   
615
   
3,567
   
125
   
-
   
72,013
 
Other agricultural loans
  
34,914
   
1,325
   
1,570
   
-
   
-
   
37,809
 
State and political
                        
   subdivision loans
  
94,125
   
-
   
10,612
   
-
   
-
   
104,737
 
Total
 
$
714,049
  
$
28,507
  
$
33,379
  
$
167
  
$
-
  
$
776,102
 

For residential real estate mortgages, home equity and consumer loans, credit quality is monitored based on whether the loan is performing or non-performing, which is typically based on the aging status of the loan and payment activity, unless a specific action, such as bankruptcy, repossession, death or significant delay in payment occurs to raise awareness of a possible credit event. Non-performing loans include those loans that are considered nonaccrual, described in more detail below, and all loans past due 90 or more days and still accruing. The following table presents the recorded investment in those loan classes based on payment activity as of June 30, 2018 and December 31, 2017 (in thousands):

June 30, 2018
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
            
     Mortgages
 
$
153,342
  
$
1,375
  
$
30
  
$
154,747
 
     Home Equity
  
58,377
   
118
   
-
   
58,495
 
Consumer
  
9,683
   
57
   
-
   
9,740
 
Total
 
$
221,402
  
$
1,550
  
$
30
  
$
222,982
 



December 31, 2017
 
Performing
  
Non-performing
  
PCI
  
Total
 
Real estate loans:
            
     Mortgages
 
$
152,820
  
$
1,492
  
$
33
  
$
154,345
 
     Home Equity
  
60,022
   
112
   
-
  
$
60,134
 
Consumer
  
9,895
   
49
   
-
  
$
9,944
 
Total
 
$
222,737
  
$
1,653
  
$
33
  
$
224,423
 
Aging Analysis of Past Due Financing Receivables
The following table includes an aging analysis of the recorded investment of past due financing receivables as of June 30, 2018 and December 31, 2017 (in thousands):
 
 
                      
90 Days or
 
 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
        
Total Financing
  
Greater and
 
June 30, 2018
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
  
Receivables
  
Accruing
 
Real estate loans:
                        
     Mortgages
 
$
476
  
$
202
  
$
796
  
$
1,474
  
$
153,243
  
$
30
  
$
154,747
  
$
-
 
     Home Equity
  
220
   
8
   
94
   
322
   
58,173
   
-
   
58,495
   
-
 
     Commercial
  
1,649
   
2,019
   
4,201
   
7,869
   
300,314
   
1,388
   
309,571
   
38
 
     Agricultural
  
8
   
1,105
   
702
   
1,815
   
260,193
   
683
   
262,691
   
543
 
     Construction
  
-
   
-
   
-
   
-
   
27,901
   
-
   
27,901
   
-
 
Consumer
  
31
   
26
   
32
   
89
   
9,651
   
-
   
9,740
   
32
 
Other commercial loans
  
47
   
8
   
2,324
   
2,379
   
72,198
   
425
   
75,002
   
-
 
Other agricultural loans
  
182
   
569
   
433
   
1,184
   
40,947
   
-
   
42,131
   
433
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
99,922
   
-
   
99,922
   
-
 
 
                                
Total
 
$
2,613
  
$
3,937
  
$
8,582
  
$
15,132
  
$
1,022,542
  
$
2,526
  
$
1,040,200
  
$
1,046
 
 
                                
Loans considered non-accrual
 
$
617
  
$
790
  
$
7,536
  
$
8,943
  
$
1,988
  
$
-
  
$
10,931
     
Loans still accruing
  
1,996
   
3,147
   
1,046
   
6,189
   
1,020,554
   
2,526
   
1,029,269
     
Total
 
$
2,613
  
$
3,937
  
$
8,582
  
$
15,132
  
$
1,022,542
  
$
2,526
  
$
1,040,200
     

 
                      
90 Days or
 
 
 
30-59 Days
  
60-89 Days
  
90 Days
  
Total Past
        
Total Financing
  
Greater and
 
December 31, 2017
 
Past Due
  
Past Due
  
Or Greater
  
Due
  
Current
  
PCI
  
Receivables
  
Accruing
 
Real estate loans:
                        
     Mortgages
 
$
996
  
$
362
  
$
810
  
$
2,168
  
$
152,144
  
$
33
  
$
154,345
  
$
218
 
     Home Equity
  
277
   
86
   
78
   
441
   
59,693
   
-
   
60,134
   
-
 
     Commercial
  
1,353
   
1,010
   
3,865
   
6,228
   
300,396
   
1,460
   
308,084
   
162
 
     Agricultural
  
242
   
-
   
205
   
447
   
238,808
   
702
   
239,957
   
30
 
     Construction
  
-
   
-
   
133
   
133
   
13,369
   
-
   
13,502
   
-
 
Consumer
  
53
   
33
   
49
   
135
   
9,809
   
-
   
9,944
   
7
 
Other commercial loans
  
132
   
-
   
2,372
   
2,504
   
69,066
   
443
   
72,013
   
32
 
Other agricultural loans
  
-
   
42
   
106
   
148
   
37,661
   
-
   
37,809
   
106
 
State and political
                                
   subdivision loans
  
-
   
-
   
-
   
-
   
104,737
   
-
   
104,737
   
-
 
Total
 
$
3,053
  
$
1,533
  
$
7,618
  
$
12,204
  
$
985,683
  
$
2,638
  
$
1,000,525
  
$
555
 
 
                                
Loans considered non-accrual
 
$
816
  
$
281
  
$
7,063
  
$
8,160
  
$
2,011
  
$
-
  
$
10,171
     
Loans still accruing
  
2,237
   
1,252
   
555
   
4,044
   
983,672
   
2,638
   
990,354
     
Total
 
$
3,053
  
$
1,533
  
$
7,618
  
$
12,204
  
$
985,683
  
$
2,638
  
$
1,000,525
     
Financing Receivables on Nonaccrual Status
The following table reflects the financing receivables, excluding PCI loans, on non-accrual status as of June 30, 2018 and December 31, 2017, respectively. The balances are presented by class of financing receivable (in thousands):

 
 
June 30, 2018
  
December 31, 2017
 
Real estate loans:
      
     Mortgages
 
$
1,375
  
$
1,274
 
     Home Equity
  
118
   
112
 
     Commercial
  
6,262
   
5,192
 
     Agricultural
  
167
   
175
 
     Construction
  
-
   
133
 
Consumer
  
25
   
42
 
Other commercial loans
  
2,415
   
2,637
 
Other agricultural loans
  
569
   
606
 
State and political subdivision
  
-
   
-
 
 
 
$
10,931
  
$
10,171
 
Troubled Debt Restructurings on Financing Receivables
Loan modifications that are considered TDRs completed during the three and six months ended June 30, 2018 and 2017 were as follows (dollars in thousands):

 
 
For the Three Months Ended June 30, 2018
 
 
 
Number of contracts
  
Pre-modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
 
 
Interest
Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
 
Real estate loans:
                  
     Home Equity
  
-
   
1
  
$
-
  
$
1
  
$
-
  
$
1
 
     Commercial
  
-
   
1
   
-
   
577
   
-
   
577
 
     Agricultural
  
-
   
1
   
-
   
1,523
       
1,523
 
Other agricultural loans
  
-
   
4
   
-
   
176
       
176
 
Total
  
-
   
7
  
$
-
  
$
2,277
  
$
-
  
$
2,277
 



 
 
For the Six Months Ended June 30, 2018
 
 
 
Number of contracts
  
Pre-modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
 
 
Interest
Modification
  
Term
Modification
  
Interest
 Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
 
Real estate loans:
                  
     Mortgages
  
-
   
1
  
$
-
  
$
7
   $  
$
7
 
     Home Equity
  
-
   
1
   
-
   
1
   
-
   
1
 
     Commercial
  
-
   
1
   
-
   
577
   
-
   
577
 
     Agricultural
  
-
   
1
   
-
   
1,523
       
1,523
 
Other agricultural loans
  
-
   
4
   
-
   
176
       
176
 
Total
  
-
   
8
  
$
-
  
$
2,284
  
$
-
  
$
2,284
 

 
 
For the Three Months Ended June 30, 2017
 
 
 
Number of contracts
  
Pre-modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
 
 
Interest
Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
 
Real estate loans:
                  
     Commercial
  
-
   
5
  
$
-
  
$
6,093
  
$
-
  
$
6,093
 
Total
  
-
   
5
  
$
-
  
$
6,093
  
$
-
  
$
6,093
 

 
 
For the Six Months Ended June 30, 2017
 
 
 
Number of contracts
  
Pre-modification Outstanding Recorded Investment
  
Post-Modification Outstanding Recorded Investment
 
 
 
Interest
Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
  
Interest
Modification
  
Term
Modification
 
Real estate loans:
                  
     Commercial
  
-
   
7
  
$
-
  
$
6,797
  
$
-
  
$
6,797
 
Total
  
-
   
7
  
$
-
  
$
6,797
  
$
-
  
$
6,797
 
Allowance for Loan Losses by Impairment Method
The following table segregates the allowance for loan losses (ALLL) into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of June 30, 2018 and December 31, 2017, respectively (in thousands):

 
 
 
June 30, 2018
  
December 31, 2017
 
 
 
Individually
evaluated for impairment
  
Collectively
evaluated for impairment
  
Total
  
Individually
evaluated for
 impairment
  
Collectively
evaluated for
impairment
  
Total
 
Real estate loans:
                  
     Residential
 
$
30
  
$
1,015
  
$
1,045
  
$
56
  
$
993
  
$
1,049
 
     Commercial
  
159
   
3,635
   
3,794
   
94
   
3,773
   
3,867
 
     Agricultural
  
25
   
3,648
   
3,673
   
3
   
3,140
   
3,143
 
     Construction
  
-
   
44
   
44
   
-
   
23
   
23
 
Consumer
  
-
   
115
   
115
   
-
   
124
   
124
 
Other commercial loans
  
151
   
1,115
   
1,266
   
231
   
1,041
   
1,272
 
Other agricultural loans
  
40
   
549
   
589
   
26
   
466
   
492
 
State and political
                        
  subdivision loans
  
-
   
767
   
767
   
-
   
816
   
816
 
Unallocated
  
-
   
648
   
648
   
-
   
404
   
404
 
Total
 
$
405
  
$
11,536
  
$
11,941
  
$
410
  
$
10,780
  
$
11,190
 
Roll forward of Allowance for Loan Losses by Portfolio Segment
The following tables roll forward the balance of the ALLL by portfolio segment for the three and six months ended June 30, 2018 and 2017, respectively (in thousands):

 
 
For the three months ended June 30, 2018
 
 
 
Balance at
March 31, 2018
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
June 30, 2018
 
Real estate loans:
               
     Residential
 
$
1,077
  
$
(2
)
 
$
69
  
$
(99
)
 
$
1,045
 
     Commercial
  
4,006
   
-
   
3
   
(215
)
  
3,794
 
     Agricultural
  
3,340
   
-
   
-
   
333
   
3,673
 
     Construction
  
39
   
-
   
-
   
5
   
44
 
Consumer
  
123
   
(6
)
  
7
   
(9
)
  
115
 
Other commercial loans
  
1,273
   
(46
)
  
11
   
28
   
1,266
 
Other agricultural loans
  
532
   
(7
)
  
-
   
64
   
589
 
State and political
                    
  subdivision loans
  
789
   
-
   
-
   
(22
)
  
767
 
Unallocated
  
408
   
-
   
-
   
240
   
648
 
Total
 
$
11,587
  
$
(61
)
 
$
90
  
$
325
  
$
11,941
 

 
 
For the six months ended June 30, 2018
 
 
 
Balance at
December 31, 2017
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
June 30, 2018
 
Real estate loans:
               
     Residential
 
$
1,049
  
$
(17
)
 
$
69
  
$
(56
)
 
$
1,045
 
     Commercial
  
3,867
   
-
   
3
   
(76
)
  
3,794
 
     Agricultural
  
3,143
   
-
   
-
   
530
   
3,673
 
     Construction
  
23
   
-
   
-
   
21
   
44
 
Consumer
  
124
   
(19
)
  
17
   
(7
)
  
115
 
Other commercial loans
  
1,272
   
(91
)
  
14
   
71
   
1,266
 
Other agricultural loans
  
492
   
(50
)
  
-
   
147
   
589
 
State and political
                    
  subdivision loans
  
816
   
-
   
-
   
(49
)
  
767
 
Unallocated
  
404
   
-
   
-
   
244
   
648
 
Total
 
$
11,190
  
$
(177
)
 
$
103
  
$
825
  
$
11,941
 



 
 
For the three months ended June 30, 2017
 
 
 
Balance at
March 31, 2017
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
June 30, 2017
 
Real estate loans:
               
     Residential
 
$
1,042
  
$
(48
)
 
$
-
  
$
110
  
$
1,104
 
     Commercial
  
3,665
   
-
   
2
   
(126
)
  
3,541
 
     Agricultural
  
1,952
           
500
   
2,452
 
     Construction
  
46
   
-
   
-
   
(1
)
  
45
 
Consumer
  
123
   
(17
)
  
12
   
7
   
125
 
Other commercial loans
  
1,215
   
-
   
-
   
(84
)
  
1,131
 
Other agricultural loans
  
306
   
-
       
125
   
431
 
State and political
                    
  subdivision loans
  
824
   
-
   
-
   
14
   
838
 
Unallocated
  
232
   
-
   
-
   
80
   
312
 
Total
 
$
9,405
  
$
(65
)
 
$
14
  
$
625
  
$
9,979
 

 
 
For the six months ended June 30, 2017
 
 
 
Balance at
December 31, 2016
  
Charge-offs
  
Recoveries
  
Provision
  
Balance at
June 30, 2017
 
Real estate loans:
               
     Residential
 
$
1,064
  
$
(93
)
 
$
-
  
$
133
  
$
1,104
 
     Commercial
  
3,589
   
(41
)
  
6
   
(13
)
  
3,541
 
     Agricultural
  
1,494
   
-
       
958
   
2,452
 
     Construction
  
47
   
-
   
-
   
(2
)
  
45
 
Consumer
  
122
   
(45
)
  
22
   
26
   
125
 
Other commercial loans
  
1,327
   
-
   
9
   
(205
)
  
1,131
 
Other agricultural loans
  
312
   
(5
)
      
124
   
431
 
State and political
                    
  subdivision loans
  
833
   
-
   
-
   
5
   
838
 
Unallocated
  
98
   
-
   
-
   
214
   
312
 
Total
 
$
8,886
  
$
(184
)
 
$
37
  
$
1,240
  
$
9,979