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Loans and ALLL (Tables) | 6 Months Ended
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Jun. 30, 2020
Receivables [Abstract] |
Allowance for Loan Losses and Recorded Investment in Loans |
| Allowance for Loan Losses and Recorded Investment in Loans
| June 30, 2020
| Commercial |  | Agricultural |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
ALLL |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 63 |  |  | $ | 63 |  |  | $ | 824 |  |  | $ | — |  |  | $ | — |  |  | $ | 950 |
Collectively evaluated for impairment | 2,058 |  |  | 293 |  |  | 369 |  |  | 825 |  |  | 4,382 |  |  | 7,927 |
Total | $ | 2,121 |  |  | $ | 356 |  |  | $ | 1,193 |  |  | $ | 825 |  |  | $ | 4,382 |  |  | $ | 8,877 |
Loans |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 8,235 |  |  | $ | 13,191 |  |  | $ | 4,926 |  |  | $ | — |  |  |  |  | $ | 26,352 |
Collectively evaluated for impairment | 791,397 |  |  | 89,971 |  |  | 303,000 |  |  | 73,665 |  |  |  |  | 1,258,033 |
Total | $ | 799,632 |  |  | $ | 103,162 |  |  | $ | 307,926 |  |  | $ | 73,665 |  |  |  |  | $ | 1,284,385 |
ummaries of the ALLL and the recorded investment in loans by segments follows:
| Allowance for Loan Losses
| Three Months Ended June 30, 2020
| Commercial |  | Agricultural |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
April 1, 2020 | $ | 2,375 |  |  | $ | 490 |  |  | $ | 1,717 |  |  | $ | 961 |  |  | $ | 3,154 |  |  | $ | 8,697 |
Charge-offs | (1 | ) |  | (6 | ) |  | — |  |  | (59 | ) |  | — |  |  | (66 | )
Recoveries | 30 |  |  | 2 |  |  | 39 |  |  | 70 |  |  | — |  |  | 141 |
Provision for loan losses | (283 | ) |  | (130 | ) |  | (563 | ) |  | (147 | ) |  | 1,228 |  |  | 105 |
June 30, 2020 | $ | 2,121 |  |  | $ | 356 |  |  | $ | 1,193 |  |  | $ | 825 |  |  | $ | 4,382 |  |  | $ | 8,877 |
| Allowance for Loan Losses
| Six Months Ended June 30, 2020
| Commercial |  | Agricultural |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
January 1, 2020 | $ | 1,914 |  |  | $ | 634 |  |  | $ | 2,047 |  |  | $ | 922 |  |  | $ | 2,422 |  |  | $ | 7,939 |
Charge-offs | (5 | ) |  | (22 | ) |  | (15 | ) |  | (182 | ) |  | — |  |  | (224 | )
Recoveries | 52 |  |  | 35 |  |  | 66 |  |  | 116 |  |  | — |  |  | 269 |
Provision for loan losses | 160 |  |  | (291 | ) |  | (905 | ) |  | (31 | ) |  | 1,960 |  |  | 893 |
June 30, 2020 | $ | 2,121 |  |  | $ | 356 |  |  | $ | 1,193 |  |  | $ | 825 |  |  | $ | 4,382 |  |  | $ | 8,877 |
| Allowance for Loan Losses and Recorded Investment in Loans
| December 31, 2019
| Commercial |  | Agricultural |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
ALLL |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 15 |  |  | $ | 26 |  |  | $ | 1,073 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,114 |
Collectively evaluated for impairment | 1,899 |  |  | 608 |  |  | 974 |  |  | 922 |  |  | 2,422 |  |  | 6,825 |
Total | $ | 1,914 |  |  | $ | 634 |  |  | $ | 2,047 |  |  | $ | 922 |  |  | $ | 2,422 |  |  | $ | 7,939 |
Loans |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 7,865 |  |  | $ | 14,840 |  |  | $ | 5,486 |  |  | $ | — |  |  |  |  | $ | 28,191 |
Collectively evaluated for impairment | 693,076 |  |  | 102,080 |  |  | 293,083 |  |  | 70,140 |  |  |  |  | 1,158,379 |
Total | $ | 700,941 |  |  | $ | 116,920 |  |  | $ | 298,569 |  |  | $ | 70,140 |  |  |  |  | $ | 1,186,570 |
| Allowance for Loan Losses
| Three Months Ended June 30, 2019
| Commercial |  | Agricultural |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
April 1, 2019 | $ | 2,248 |  |  | $ | 775 |  |  | $ | 2,305 |  |  | $ | 891 |  |  | $ | 2,179 |  |  | $ | 8,398 |
Charge-offs | (105 | ) |  | (59 | ) |  | (94 | ) |  | (75 | ) |  | — |  |  | (333 | )
Recoveries | 22 |  |  | — |  |  | 91 |  |  | 38 |  |  | — |  |  | 151 |
Provision for loan losses | (85 | ) |  | (104 | ) |  | (420 | ) |  | 73 |  |  | 357 |  |  | (179 | )
June 30, 2019 | $ | 2,080 |  |  | $ | 612 |  |  | $ | 1,882 |  |  | $ | 927 |  |  | $ | 2,536 |  |  | $ | 8,037 |
| Allowance for Loan Losses
| Six Months Ended June 30, 2019
| Commercial |  | Agricultural |  | Residential Real Estate |  | Consumer |  | Unallocated |  | Total
January 1, 2019 | $ | 2,563 |  |  | $ | 775 |  |  | $ | 1,992 |  |  | $ | 857 |  |  | $ | 2,188 |  |  | $ | 8,375 |
Charge-offs | (113 | ) |  | (59 | ) |  | (96 | ) |  | (203 | ) |  | — |  |  | (471 | )
Recoveries | 73 |  |  | 1 |  |  | 118 |  |  | 86 |  |  | — |  |  | 278 |
Provision for loan losses | (443 | ) |  | (105 | ) |  | (132 | ) |  | 187 |  |  | 348 |  |  | (145 | )
June 30, 2019 | $ | 2,080 |  |  | $ | 612 |  |  | $ | 1,882 |  |  | $ | 927 |  |  | $ | 2,536 |  |  | $ | 8,037 |
Credit quality indicators for commercial and agricultural credit exposures | The following tables display the internally assigned credit risk ratings for commercial and agricultural credit exposures as of:
| June 30, 2020
| Commercial |  | Agricultural |  |
| Real Estate |  | Other |  | Advances to Mortgage Brokers |  | Total |  | Real Estate |  | Other |  | Total |  | Total
Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 - Excellent | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
2 - High quality | 3,004 |  |  | 18,584 |  |  | — |  |  | 21,588 |  |  | 836 |  |  | 13 |  |  | 849 |  |  | 22,437 |
3 - High satisfactory | 90,236 |  |  | 65,092 |  |  | 46,767 |  |  | 202,095 |  |  | 16,983 |  |  | 5,528 |  |  | 22,511 |  |  | 224,606 |
4 - Low satisfactory | 385,803 |  |  | 147,480 |  |  | — |  |  | 533,283 |  |  | 32,165 |  |  | 18,466 |  |  | 50,631 |  |  | 583,914 |
5 - Special mention | 17,843 |  |  | 9,346 |  |  | — |  |  | 27,189 |  |  | 12,528 |  |  | 2,865 |  |  | 15,393 |  |  | 42,582 |
6 - Substandard | 7,126 |  |  | 6,984 |  |  | — |  |  | 14,110 |  |  | 6,763 |  |  | 3,359 |  |  | 10,122 |  |  | 24,232 |
7 - Vulnerable | 28 |  |  | 1,339 |  |  | — |  |  | 1,367 |  |  | 2,916 |  |  | 552 |  |  | 3,468 |  |  | 4,835 |
8 - Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | 188 |  |  | — |  |  | 188 |  |  | 188 |
9 - Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 504,040 |  |  | $ | 248,825 |  |  | $ | 46,767 |  |  | $ | 799,632 |  |  | $ | 72,379 |  |  | $ | 30,783 |  |  | $ | 103,162 |  |  | $ | 902,794 |
| December 31, 2019
| Commercial |  | Agricultural |  |
| Real Estate |  | Other |  | Advances to Mortgage Brokers |  | Total |  | Real Estate |  | Other |  | Total |  | Total
Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1 - Excellent | $ | — |  |  | $ | 390 |  |  | $ | — |  |  | $ | 390 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 390 |
2 - High quality | 2,582 |  |  | 8,844 |  |  | — |  |  | 11,426 |  |  | 1,452 |  |  | 99 |  |  | 1,551 |  |  | 12,977 |
3 - High satisfactory | 109,737 |  |  | 42,858 |  |  | 35,523 |  |  | 188,118 |  |  | 16,765 |  |  | 6,769 |  |  | 23,534 |  |  | 211,652 |
4 - Low satisfactory | 377,198 |  |  | 94,847 |  |  | — |  |  | 472,045 |  |  | 42,798 |  |  | 20,861 |  |  | 63,659 |  |  | 535,704 |
5 - Special mention | 15,372 |  |  | 3,470 |  |  | — |  |  | 18,842 |  |  | 7,165 |  |  | 3,754 |  |  | 10,919 |  |  | 29,761 |
6 - Substandard | 4,874 |  |  | 3,625 |  |  | — |  |  | 8,499 |  |  | 9,136 |  |  | 3,836 |  |  | 12,972 |  |  | 21,471 |
7 - Vulnerable | 390 |  |  | 1,231 |  |  | — |  |  | 1,621 |  |  | 2,711 |  |  | 1,574 |  |  | 4,285 |  |  | 5,906 |
8 - Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
9 - Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 510,153 |  |  | $ | 155,265 |  |  | $ | 35,523 |  |  | $ | 700,941 |  |  | $ | 80,027 |  |  | $ | 36,893 |  |  | $ | 116,920 |  |  | $ | 817,861 |
Summary of past due and current loans | The following tables summarize the past due and current loans for the entire loan portfolio as of:
| June 30, 2020
| Accruing Interest and Past Due: |  |  |  | Total Past Due and Nonaccrual |  |  |  |
| 30-59 Days |  | 60-89 Days |  | 90 Days or More |  | Nonaccrual |  |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 51 |  |  | $ | 46 |  |  | $ | 53 |  |  | $ | 28 |  |  | $ | 178 |  |  | $ | 503,862 |  |  | $ | 504,040 |
Commercial other | 220 |  |  | 249 |  |  | — |  |  | 1,339 |  |  | 1,808 |  |  | 247,017 |  |  | 248,825 |
Advances to mortgage brokers | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 46,767 |  |  | 46,767 |
Total commercial | 271 |  |  | 295 |  |  | 53 |  |  | 1,367 |  |  | 1,986 |  |  | 797,646 |  |  | 799,632 |
Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural real estate | 799 |  |  | — |  |  | — |  |  | 3,104 |  |  | 3,903 |  |  | 68,476 |  |  | 72,379 |
Agricultural other | — |  |  | — |  |  | — |  |  | 552 |  |  | 552 |  |  | 30,231 |  |  | 30,783 |
Total agricultural | 799 |  |  | — |  |  | — |  |  | 3,656 |  |  | 4,455 |  |  | 98,707 |  |  | 103,162 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Senior liens | 74 |  |  | — |  |  | — |  |  | 184 |  |  | 258 |  |  | 270,436 |  |  | 270,694 |
Junior liens | 3 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 4,715 |  |  | 4,718 |
Home equity lines of credit | 11 |  |  | — |  |  | — |  |  | 112 |  |  | 123 |  |  | 32,391 |  |  | 32,514 |
Total residential real estate | 88 |  |  | — |  |  | — |  |  | 296 |  |  | 384 |  |  | 307,542 |  |  | 307,926 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Secured | 14 |  |  | 27 |  |  | — |  |  | — |  |  | 41 |  |  | 70,311 |  |  | 70,352 |
Unsecured | 4 |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | 3,309 |  |  | 3,313 |
Total consumer | 18 |  |  | 27 |  |  | — |  |  | — |  |  | 45 |  |  | 73,620 |  |  | 73,665 |
Total | $ | 1,176 |  |  | $ | 322 |  |  | $ | 53 |  |  | $ | 5,319 |  |  | $ | 6,870 |  |  | $ | 1,277,515 |  |  | $ | 1,284,385 |
| December 31, 2019
| Accruing Interest and Past Due: |  |  |  | Total Past Due and Nonaccrual |  |  |  |
| 30-59 Days |  | 60-89 Days |  | 90 Days or More |  | Nonaccrual |  |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 139 |  |  | $ | 30 |  |  | $ | — |  |  | $ | 390 |  |  | $ | 559 |  |  | $ | 509,594 |  |  | $ | 510,153 |
Commercial other | 531 |  |  | 156 |  |  | — |  |  | 1,231 |  |  | 1,918 |  |  | 153,347 |  |  | 155,265 |
Advances to mortgage brokers | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35,523 |  |  | 35,523 |
Total commercial | 670 |  |  | 186 |  |  | — |  |  | 1,621 |  |  | 2,477 |  |  | 698,464 |  |  | 700,941 |
Agricultural |  |  |  |  |  |  |  |  |  |  |  |  |
Agricultural real estate | — |  |  | — |  |  | — |  |  | 2,711 |  |  | 2,711 |  |  | 77,316 |  |  | 80,027 |
Agricultural other | — |  |  | — |  |  | — |  |  | 1,574 |  |  | 1,574 |  |  | 35,319 |  |  | 36,893 |
Total agricultural | — |  |  | — |  |  | — |  |  | 4,285 |  |  | 4,285 |  |  | 112,635 |  |  | 116,920 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |
Senior liens | 3,463 |  |  | 258 |  |  | — |  |  | 557 |  |  | 4,278 |  |  | 253,894 |  |  | 258,172 |
Junior liens | 65 |  |  | — |  |  | — |  |  | — |  |  | 65 |  |  | 5,766 |  |  | 5,831 |
Home equity lines of credit | 157 |  |  | — |  |  | — |  |  | 72 |  |  | 229 |  |  | 34,337 |  |  | 34,566 |
Total residential real estate | 3,685 |  |  | 258 |  |  | — |  |  | 629 |  |  | 4,572 |  |  | 293,997 |  |  | 298,569 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |
Secured | 68 |  |  | — |  |  | — |  |  | — |  |  | 68 |  |  | 66,547 |  |  | 66,615 |
Unsecured | 3 |  |  | — |  |  | — |  |  | — |  |  | 3 |  |  | 3,522 |  |  | 3,525 |
Total consumer | 71 |  |  | — |  |  | — |  |  | — |  |  | 71 |  |  | 70,069 |  |  | 70,140 |
Total | $ | 4,426 |  |  | $ | 444 |  |  | $ | — |  |  | $ | 6,535 |  |  | $ | 11,405 |  |  | $ | 1,175,165 |  |  | $ | 1,186,570 |
Information pertaining to impaired loans | The following is a summary of impaired loans as of:
| June 30, 2020 |  | December 31, 2019
| Recorded Balance |  | Unpaid Principal Balance |  | Valuation Allowance |  | Recorded Balance |  | Unpaid Principal Balance |  | Valuation Allowance
Impaired loans with a valuation allowance |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 1,045 |  |  | $ | 1,287 |  |  | $ | 63 |  |  | $ | 517 |  |  | $ | 635 |  |  | $ | 15 |
Agricultural real estate | 2,201 |  |  | 2,251 |  |  | 61 |  |  | 1,509 |  |  | 1,509 |  |  | 12 |
Agricultural other | 1,355 |  |  | 1,355 |  |  | 2 |  |  | 1,355 |  |  | 1,355 |  |  | 14 |
Residential real estate senior liens | 4,814 |  |  | 5,242 |  |  | 824 |  |  | 5,401 |  |  | 5,830 |  |  | 1,073 |
Total impaired loans with a valuation allowance | 9,415 |  |  | 10,135 |  |  | 950 |  |  | 8,782 |  |  | 9,329 |  |  | 1,114 |
Impaired loans without a valuation allowance |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | 3,930 |  |  | 4,004 |  |  |  |  | 4,961 |  |  | 5,224 |  |  |
Commercial other | 3,260 |  |  | 3,260 |  |  |  |  | 2,387 |  |  | 2,387 |  |  |
Agricultural real estate | 7,689 |  |  | 7,689 |  |  |  |  | 8,372 |  |  | 8,422 |  |  |
Agricultural other | 1,946 |  |  | 1,946 |  |  |  |  | 3,604 |  |  | 3,604 |  |  |
Home equity lines of credit | 112 |  |  | 112 |  |  |  |  | 85 |  |  | 385 |  |  |
Total impaired loans without a valuation allowance | 16,937 |  |  | 17,011 |  |  |  |  | 19,409 |  |  | 20,022 |  |  |
Impaired loans |  |  |  |  |  |  |  |  |  |  |
Commercial | 8,235 |  |  | 8,551 |  |  | 63 |  |  | 7,865 |  |  | 8,246 |  |  | 15 |
Agricultural | 13,191 |  |  | 13,241 |  |  | 63 |  |  | 14,840 |  |  | 14,890 |  |  | 26 |
Residential real estate | 4,926 |  |  | 5,354 |  |  | 824 |  |  | 5,486 |  |  | 6,215 |  |  | 1,073 |
Total impaired loans | $ | 26,352 |  |  | $ | 27,146 |  |  | $ | 950 |  |  | $ | 28,191 |  |  | $ | 29,351 |  |  | $ | 1,114 |
The following is a summary of impaired loans for the:
| Three Months Ended June 30
| 2020 |  | 2019
| Average Recorded Balance |  | Interest Income Recognized |  | Average Recorded Balance |  | Interest Income Recognized
Impaired loans with a valuation allowance |  |  |  |  |  |  |
Commercial real estate | $ | 1,085 |  |  | $ | 21 |  |  | $ | 2,497 |  |  | $ | 7 |
Commercial other | 460 |  |  | — |  |  | 11 |  |  | — |
Agricultural real estate | 2,224 |  |  | 26 |  |  | 951 |  |  | 57 |
Agricultural other | 1,355 |  |  | 20 |  |  | 641 |  |  | 9 |
Residential real estate senior liens | 5,050 |  |  | 49 |  |  | 6,439 |  |  | 19 |
Residential real estate junior liens | — |  |  | — |  |  | 12 |  |  | — |
Total impaired loans with a valuation allowance | 10,174 |  |  | 116 |  |  | 10,551 |  |  | 92 |
Impaired loans without a valuation allowance |  |  |  |  |  |  |
Commercial real estate | 4,046 |  |  | 60 |  |  | 3,985 |  |  | 21 |
Commercial other | 2,826 |  |  | 32 |  |  | 2,751 |  |  | 13 |
Agricultural real estate | 7,441 |  |  | 87 |  |  | 7,307 |  |  | 58 |
Agricultural other | 2,406 |  |  | 56 |  |  | 4,833 |  |  | 86 |
Home equity lines of credit | 101 |  |  | (1 | ) |  | 34 |  |  | — |
Consumer secured | 2 |  |  | — |  |  | 8 |  |  | — |
Total impaired loans without a valuation allowance | 16,822 |  |  | 234 |  |  | 18,918 |  |  | 178 |
Impaired loans |  |  |  |  |  |  |
Commercial | 8,417 |  |  | 113 |  |  | 9,244 |  |  | 41 |
Agricultural | 13,426 |  |  | 189 |  |  | 13,732 |  |  | 210 |
Residential real estate | 5,151 |  |  | 48 |  |  | 6,485 |  |  | 19 |
Consumer | 2 |  |  | — |  |  | 8 |  |  | — |
Total impaired loans | $ | 26,996 |  |  | $ | 350 |  |  | $ | 29,469 |  |  | $ | 270 |
| Six Months Ended June 30
| 2020 |  | 2019
| Average Recorded Balance |  | Interest Income Recognized |  | Average Recorded Balance |  | Interest Income Recognized
Impaired loans with a valuation allowance |  |  |  |  |  |  |
Commercial real estate | $ | 951 |  |  | $ | 46 |  |  | $ | 2,952 |  |  | $ | 56 |
Commercial other | 460 |  |  | 6 |  |  | 11 |  |  | — |
Agricultural real estate | 2,051 |  |  | 50 |  |  | 671 |  |  | 63 |
Agricultural other | 1,355 |  |  | 42 |  |  | 343 |  |  | 9 |
Residential real estate senior liens | 5,197 |  |  | 104 |  |  | 6,561 |  |  | 87 |
Residential real estate junior liens | — |  |  | — |  |  | 12 |  |  | — |
Total impaired loans with a valuation allowance | 10,014 |  |  | 248 |  |  | 10,550 |  |  | 215 |
Impaired loans without a valuation allowance |  |  |  |  |  |  |
Commercial real estate | 4,304 |  |  | 119 |  |  | 3,636 |  |  | 74 |
Commercial other | 2,608 |  |  | 47 |  |  | 2,861 |  |  | 34 |
Agricultural real estate | 7,612 |  |  | 146 |  |  | 7,465 |  |  | 65 |
Agricultural other | 2,821 |  |  | 63 |  |  | 5,460 |  |  | 156 |
Home equity lines of credit | 94 |  |  | 5 |  |  | 38 |  |  | 6 |
Consumer secured | 2 |  |  | — |  |  | 8 |  |  | — |
Total impaired loans without a valuation allowance | 17,441 |  |  | 380 |  |  | 19,468 |  |  | 335 |
Impaired loans |  |  |  |  |  |  |
Commercial | 8,323 |  |  | 218 |  |  | 9,460 |  |  | 164 |
Agricultural | 13,839 |  |  | 301 |  |  | 13,939 |  |  | 293 |
Residential real estate | 5,291 |  |  | 109 |  |  | 6,611 |  |  | 93 |
Consumer | 2 |  |  | — |  |  | 8 |  |  | — |
Total impaired loans | $ | 27,455 |  |  | $ | 628 |  |  | $ | 30,018 |  |  | $ | 550 |
Information pertaining to TDR's | The following is a summary of TDR loan balances as of:
| June 30 2020 |  | December 31 2019
TDRs | $ | 23,185 |  |  | $ | 24,737 |
The following is a summary of TDRs granted for the:
| Three Months Ended June 30
| 2020 |  | 2019
| Number of Loans |  | Pre-Modification Recorded Investment |  | Post-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment |  | Post-Modification Recorded Investment
Commercial other | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 37 |  |  | $ | 37 |
Agricultural other | 2 |  |  | 1,768 |  |  | 1,768 |  |  | 1 |  |  | 1,311 |  |  | 1,311 |
Total | 2 |  |  | $ | 1,768 |  |  | $ | 1,768 |  |  | 2 |  |  | $ | 1,348 |  |  | $ | 1,348 |
| Six Months Ended June 30
| 2020 |  | 2019
| Number of Loans |  | Pre-Modification Recorded Investment |  | Post-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment |  | Post-Modification Recorded Investment
Commercial other | 2 |  |  | $ | 963 |  |  | $ | 963 |  |  | 2 |  |  | $ | 184 |  |  | $ | 184 |
Agricultural other | 4 |  |  | 2,361 |  |  | 2,361 |  |  | 3 |  |  | 1,834 |  |  | 1,834 |
Residential real estate | 2 |  |  | 93 |  |  | 93 |  |  | — |  |  | — |  |  | — |
Total | 8 |  |  | $ | 3,417 |  |  | $ | 3,417 |  |  | 5 |  |  | $ | 2,018 |  |  | $ | 2,018 |
The following is a summary of concessions we granted to borrowers in financial difficulty for the:
| Three Months Ended June 30
| 2020 |  | 2019
| Below Market Interest Rate |  | Below Market Interest Rate and Extension of Amortization Period |  | Below Market Interest Rate |  | Below Market Interest Rate and Extension of Amortization Period
| Number of Loans |  | Pre-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment
Commercial other | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  | 1 |  |  | $ | 37 |
Agricultural other | — |  |  | — |  |  | 2 |  |  | 1,768 |  |  | — |  |  | — |  |  | 1 |  |  | 1,311 |
Total | — |  |  | $ | — |  |  | 2 |  |  | $ | 1,768 |  |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 1,348 |
| Six Months Ended June 30
| 2020 |  | 2019
| Below Market Interest Rate |  | Below Market Interest Rate and Extension of Amortization Period |  | Below Market Interest Rate |  | Below Market Interest Rate and Extension of Amortization Period
| Number of Loans |  | Pre-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment |  | Number of Loans |  | Pre-Modification Recorded Investment
Commercial other | 1 |  |  | $ | 919 |  |  | 1 |  |  | $ | 44 |  |  | — |  |  | $ | — |  |  | 2 |  |  | $ | 184 |
Agricultural other | — |  |  | — |  |  | 4 |  |  | 2,361 |  |  | — |  |  | — |  |  | 3 |  |  | 1,834 |
Residential real estate | — |  |  | — |  |  | 2 |  |  | 93 |  |  | — |  |  | — |  |  | — |  |  | — |
Total | 1 |  |  | $ | 919 |  |  | 7 |  |  | $ | 2,498 |  |  | — |  |  | $ | — |  |  | 5 |  |  | $ | 2,018 |

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