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Loans Receivable and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2023
Loans Receivable and Allowance for Loan Losses [Abstract] |
Composition of the Loan Portfolio |
| March 31, 2023 |  |  | December 31, 2022 |
Real Estate Loans: |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 301,711 |  | 19.7 | % |  | $ | 298,813 |  | 20.3 | %
Commercial |  | 668,386 |  | 43.5 |  |  |  | 651,544 |  | 44.2 |
Agricultural |  | 68,381 |  | 4.5 |  |  |  | 68,915 |  | 4.7 |
Construction |  | 32,391 |  | 2.1 |  |  |  | 32,469 |  | 2.2 |
Commercial loans |  | 207,888 |  | 13.5 |  |  |  | 187,257 |  | 12.7 |
Other agricultural loans |  | 34,033 |  | 2.2 |  |  |  | 35,277 |  | 2.4 |
Consumer loans to individuals |  | 223,247 |  | 14.5 |  |  |  | 200,149 |  | 13.5 |
Total loans |  | 1,536,037 |  | 100.0 | % |  |  | 1,474,424 |  | 100.0 | %
Deferred fees, net |  | (394) |  |  |  |  |  | (479) |  |  |
Total loans receivable |  | 1,535,643 |  |  |  |  |  | 1,473,945 |  |  |
Allowance for credit losses |  | (19,445) |  |  |  |  |  | (16,999) |  |  |
Net loans receivable | $ | 1,516,198 |  |  |  |  | $ | 1,456,946 |  |  |
Summary of Amount of Loans in Each Category that were Individually and Collectively Evaluated for Impairment |
| Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Other |  | Consumer |  |  |
| Residential |  | Commercial |  |  | Agricultural |  | Construction |  | Loans |  |  | Agricultural |  | Loans |  | Total
March 31, 2023 | (In thousands)
Individually evaluated | $ | — |  | $ | 290 |  | $ | — |  | $ | — |  | $ | 65 |  | $ | — |  | $ | — |  | $ | 355
Collectively evaluated |  | 301,711 |  |  | 668,096 |  |  | 68,381 |  |  | 32,391 |  |  | 207,823 |  |  | 34,033 |  |  | 223,247 |  |  | 1,535,682
Total Loans | $ | 301,711 |  | $ | 668,386 |  | $ | 68,381 |  | $ | 32,391 |  | $ | 207,888 |  | $ | 34,033 |  | $ | 223,247 |  | $ | 1,536,037
The following table shows the amount of loans in each category that were individually and collectively evaluated for impairment at the dates indicated:
| Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |
|  |  |  |  |  |  |  |  |  |  |  |  | Commercial |  |  | Other |  | Consumer |  |  |
| Residential |  | Commercial |  |  | Agricultural |  | Construction |  | Loans |  |  | Agricultural |  | Loans |  | Total
| (In thousands)
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | - |  | $ | 402 |  | $ | — |  | $ | - |  | $ | 61 |  | $ | — |  | $ | - |  | $ | 463
Loans acquired with deteriorated credit quality |  | 567 |  |  | 2,049 |  |  | 2,034 |  |  | - |  |  | 1,640 |  |  | — |  |  | - |  |  | 6,290
Collectively evaluated for impairment |  | 298,246 |  |  | 649,093 |  |  | 66,881 |  |  | 32,469 |  |  | 185,556 |  |  | 35,277 |  |  | 200,149 |  |  | 1,467,671
Total Loans | $ | 298,813 |  | $ | 651,544 |  | $ | 68,915 |  | $ | 32,469 |  | $ | 187,257 |  | $ | 35,277 |  | $ | 200,149 |  | $ | 1,474,424
Impaired Loans and Related Interest Income by Loan Portfolio Class | The following table includes the recorded investment and unpaid principal balances for impaired loans with the associated allowance amount, if applicable.
|  |  |  | Unpaid |  |  |
| Recorded |  | Principal |  | Associated
| Investment |  | Balance |  | Allowance
December 31, 2022 |  |  |  |  | (in thousands) |  |
With no related allowance recorded: |  |  |  |  |  |  |  |
Real Estate Loans: |  |  |  |  |  |  |  |
Commercial | $ | 402 |  | $ | 402 |  | $ | —
Commercial Loans |  | 11 |  |  | 11 |  |  | —
Subtotal |  | 413 |  |  | 413 |  |  | —
With an allowance recorded: |  |  |  |  |  |  |  |
Real Estate Loans |  |  |  |  |  |  |  |
Commercial |  | 50 |  |  | 50 |  |  | 50
Subtotal |  | 50 |  |  | 50 |  |  | 50
Total: |  |  |  |  |  |  |  |
Real Estate Loans: |  |  |  |  |  |  |  |
Commercial |  | 402 |  |  | 402 |  |  | —
Commercial Loans |  | 61 |  |  | 61 |  |  | 50
Total Impaired Loans | $ | 463 |  | $ | 463 |  | $ | 50
The following table presents the average recorded investment in impaired loans and the related amount of interest income recognized during the three-month period ended March 31, 2022 (in thousands):
|  |  |  |  | Average Recorded |  |  |  |  |  | Interest Income
|  |  |  |  | Investment |  |  |  |  |  | Recognized
|  |  | 2022 |  |  |  | 2022
Real Estate Loans: |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  | $ | 1,650 |  |  |  |  | $ | 17
Commercial Loans |  |  |  |  | 16 |  |  |  |  |  | —
Total |  |  |  | $ | 1,666 |  |  |  |  | $ | 17
Loan Portfolio Summarized by the Past Due Status |
| Current |  | 31-60 Days Past Due |  | 61-90 Days Past Due |  | Greater than 90 Days Past Due and still accruing |  |  | Non-accrual |  | Total Past Due and Non-Accrual |  | Total Loans |  |  |
March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 300,268 |  | $ | 978 |  | $ | 28 |  | $ | - |  | $ | 437 |  | $ | 1,443 |  | $ | 301,711 |  |  |
Commercial |  | 665,992 |  |  | 453 |  |  | - |  |  | - |  |  | 1,941 |  |  | 2,394 |  |  | 668,386 |  |  |
Agricultural |  | 68,381 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 68,381 |  |  |
Construction |  | 32,368 |  |  | 23 |  |  | - |  |  | - |  |  | - |  |  | 23 |  |  | 32,391 |  |  |
Commercial loans |  | 207,466 |  |  | 221 |  |  | 86 |  |  | - |  |  | 115 |  |  | 422 |  |  | 207,888 |  |  |
Other agricultural loans |  | 34,033 |  |  | - |  |  |  |  |  | - |  |  | - |  |  | - |  |  | 34,033 |  |  |
Consumer loans |  | 222,217 |  |  | 773 |  |  | 36 |  |  | - |  |  | 221 |  |  | 1,030 |  |  | 223,247 |  |  |
Total | $ | 1,530,725 |  | $ | 2,448 |  | $ | 150 |  | $ | - |  | $ | 2,714 |  | $ | 5,312 |  | $ | 1,536,037 |  |  |
| Current |  | 31-60 Days Past Due |  | 61-90 Days Past Due |  | Greater than 90 Days Past Due and still accruing |  |  | Non-accrual |  | Total Past Due and Non-Accrual |  |  | Purchased Credit Impaired Loans |  | Total Loans
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 297,350 |  | $ | 187 |  | $ | 223 |  | $ | - |  | $ | 486 |  | $ | 896 |  | $ | 567 |  | $ | 298,813
Commercial |  | 648,688 |  |  | 405 |  |  | - |  |  | - |  |  | 402 |  |  | 807 |  |  | 2,049 |  |  | 651,544
Agricultural |  | 66,751 |  |  | 130 |  |  | - |  |  |  |  |  | - |  |  | 130 |  |  | 2,034 |  |  | 68,915
Construction |  | 32,469 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 32,469
Commercial loans |  | 185,485 |  |  | 71 |  |  | - |  |  | - |  |  | 61 |  |  | 132 |  |  | 1,640 |  |  | 187,257
Other agricultural loans |  | 35,277 |  |  | - |  |  | - |  |  |  |  |  | - |  |  | - |  |  | - |  |  | 35,277
Consumer loans |  | 198,893 |  |  | 853 |  |  | 239 |  |  | - |  |  | 164 |  |  | 1,256 |  |  | - |  |  | 200,149
Total | $ | 1,464,913 |  | $ | 1,646 |  | $ | 462 |  | $ | - |  | $ | 1,113 |  | $ | 3,221 |  | $ | 6,290 |  | $ | 1,474,424
Allowance for Loan Losses and Recorded Investment in Financing Receivables |
(In thousands) | Residential Real Estate |  | Commercial Real Estate |  |  | Agricultural |  |  | Construction |  | Commercial |  |  | Other Agricultural |  | Consumer |  | Total
Beginning balance, December 31, 2022 | $ | 2,833 |  | $ | 8,293 |  | $ | 259 |  | $ | 409 |  | $ | 2,445 |  | $ | 124 |  | $ | 2,636 |  | $ | 16,999
Impact of adopting ASC 326 |  | (1,545) |  |  | 5,527 |  |  | (200) |  |  | 388 |  |  | (1,156) |  |  | 3 |  |  | (551) |  |  | 2,466
Charge Offs |  | — |  |  | (112) |  |  | - |  |  | - |  |  | (50) |  |  | - |  |  | (202) |  |  | (364)
Recoveries |  | 6 |  |  | 6 |  |  | - |  |  | - |  |  | 6 |  |  | - |  |  | 26 |  |  | 44
Provision for credit losses |  | 65 |  |  | 11 |  |  | 62 |  |  | (94) |  |  | (87) |  |  | (45) |  |  | 388 |  |  | 300
Ending balance, March 31, 2023 | $ | 1,359 |  | $ | 13,725 |  | $ | 121 |  | $ | 703 |  | $ | 1,158 |  | $ | 82 |  | $ | 2,297 |  | $ | 19,445
Ending balance individually evaluated | $ | - |  | $ | — |  | $ | - |  | $ | - |  | $ | 1 |  | $ | - |  | $ | - |  | $ | 1
Ending balance collectively evaluated | $ | 1,359 |  | $ | 13,725 |  | $ | 121 |  | $ | 703 |  | $ | 1,157 |  | $ | 82 |  | $ | 2,297 |  | $ | 19,444
(In thousands) | Residential Real Estate |  | Commercial Real Estate |  |  | Agricultural |  |  | Construction |  | Commercial |  |  | Other Agricultural |  | Consumer |  | Total
Beginning balance, December 31, 2021 | $ | 2,175 |  | $ | 10,878 |  | $ | - |  | $ | 133 |  | $ | 1,490 |  | $ | - |  | $ | 1,766 |  | $ | 16,442
Charge Offs |  | (115) |  |  | - |  |  | - |  |  | - |  |  | (15) |  |  | - |  |  | (52) |  |  | (182)
Recoveries |  | 2 |  |  | 74 |  |  | - |  |  | - |  |  | 9 |  |  | - |  |  | 15 |  |  | 100
Provision for loan losses |  | 264 |  |  | (665) |  |  | 504 |  |  | 1 |  |  | 11 |  |  | 292 |  |  | (107) |  |  | 300
Ending balance, March 31, 2022 | $ | 2,326 |  | $ | 10,287 |  | $ | 504 |  | $ | 134 |  | $ | 1,495 |  | $ | 292 |  | $ | 1,622 |  | $ | 16,660
Ending balance individually evaluated ‎for impairment | $ | - |  | $ | 1,643 |  | $ | - |  | $ | - |  | $ | 16 |  | $ | - |  | $ | — |  | $ | 1,659
Ending balance collectively evaluated ‎for impairment | $ | 2,326 |  | $ | 8,644 |  | $ | 504 |  | $ | 134 |  | $ | 1,479 |  | $ | 292 |  | $ | 1,622 |  | $ | 15,001
Summary of Carrying Value of Loan on Nonaccrual Status |
|  | Nonaccrual |  |  | Nonaccrual |  |  |  |  |  | Loans Past Due |  |  |
|  | with no |  |  | with |  |  | Total |  |  | Over 90 Days |  |  | Total
| ACL |  | ACL |  | Nonaccrual |  | Still Accruing |  | Nonperforming
March 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real Estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential | $ | 437 |  | $ | - |  | $ | 437 |  | $ | - |  | $ | 437
Commercial |  | 1,941 |  |  | - |  |  | 1,941 |  |  | - |  |  | 1,941
Agricultural |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial loans |  | 100 |  |  | 15 |  |  | 115 |  |  | - |  |  | 115
Other agricultural loans |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Consumer loans |  | 221 |  |  | - |  |  | 221 |  |  | - |  |  | 221
Total | $ | 2,699 |  | $ | 15 |  | $ | 2,714 |  | $ | - |  | $ | 2,714
Summary of Recorded Investment by Internal Risk Rating Systems | Based on the most recent analysis performed, the following table presents the recorded investment in non-homogenous pools by internal risk rating systems (in thousands):
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  | Term Loans Amortized Costs Basis by Origination Year |  | Loans |  | Loans |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Amortized |  | Converted |  |
March 31, 2023 |  |  |  |  |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Cost Basis |  | to Term |  | Total
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  |  |  | $ | 25,867 | $ | 133,953 | $ | 116,254 | $ | 75,366 | $ | 76,615 | $ | 217,831 | $ | 17,673 | $ | - | $ | 663,559
Special Mention |  |  |  |  |  | - |  | - |  | 243 |  | - |  | - |  | 819 |  | - |  | - |  | 1,062
Substandard |  |  |  |  |  | - |  | - |  | - |  | 1,472 |  | 290 |  | 2,003 |  | - |  | - |  | 3,765
Doubtful |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 25,867 | $ | 133,953 | $ | 116,497 | $ | 76,838 | $ | 76,905 | $ | 220,653 | $ | 17,673 | $ | - | $ | 668,386
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | 112 | $ | - | $ | - | $ | - | $ | 112
Real Estate - Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  |  |  | $ | 1,033 | $ | 13,433 | $ | 5,607 | $ | 9,187 | $ | 8,579 | $ | 27,429 | $ | 580 | $ | - | $ | 65,848
Special Mention |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | 432 |  | - |  | - |  | 432
Substandard |  |  |  |  |  | - |  | 524 |  | - |  | 1,064 |  | - |  | 188 |  | 325 |  | - |  | 2,101
Doubtful |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 1,033 | $ | 13,957 | $ | 5,607 | $ | 10,251 | $ | 8,579 | $ | 28,049 | $ | 905 | $ | - | $ | 68,381
Real Estate - Agriculture |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  |  |  | $ | 28,394 | $ | 54,591 | $ | 30,757 | $ | 22,901 | $ | 14,153 | $ | 23,003 | $ | 33,754 | $ | - | $ | 207,553
Special Mention |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | 181 |  | - |  | - |  | 181
Substandard |  |  |  |  |  | - |  | 32 |  | 24 |  | 9 |  | - |  | 89 |  | - |  | - |  | 154
Doubtful |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 28,394 | $ | 54,623 | $ | 30,781 | $ | 22,910 | $ | 14,153 | $ | 23,273 | $ | 33,754 | $ | - | $ | 207,888
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | 50 | $ | - | $ | - | $ | - | $ | - | $ | 50
Other agricultural loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  |  |  | $ | 734 | $ | 6,128 | $ | 3,389 | $ | 3,335 | $ | 3,084 | $ | 4,948 | $ | 11,374 | $ | - | $ | 32,992
Special Mention |  |  |  |  |  | - |  | - |  | 4 |  | 185 |  | 107 |  | - |  | 155 |  | - |  | 451
Substandard |  |  |  |  |  | - |  | - |  | 471 |  | - |  | 119 |  | - |  | - |  | - |  | 590
Doubtful |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 734 | $ | 6,128 | $ | 3,864 | $ | 3,520 | $ | 3,310 | $ | 4,948 | $ | 11,529 | $ | - | $ | 34,033
Other agricultural loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  |  |  | $ | 56,028 | $ | 208,105 | $ | 156,007 | $ | 110,789 | $ | 102,431 | $ | 273,211 | $ | 63,381 | $ | - | $ | 969,952
Special Mention |  |  |  |  |  | - |  | - |  | 247 |  | 185 |  | 107 |  | 1,432 |  | 155 |  | - |  | 2,126
Substandard |  |  |  |  |  | - |  | 556 |  | 495 |  | 2,545 |  | 409 |  | 2,280 |  | 325 |  | - |  | 6,610
Doubtful |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 56,028 | $ | 208,661 | $ | 156,749 | $ | 113,519 | $ | 102,947 | $ | 276,923 | $ | 63,861 | $ | - | $ | 978,688
The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention, Substandard, Doubtful and Loss within the internal risk rating system as of December 31, 2022 (in thousands):
|  |  |  | Special |  |  |  |  | Doubtful |  |  |
| Pass |  | Mention |  | Substandard |  | or Loss |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate loans | $ | 646,775 |  | $ | 1,079 |  | $ | 3,690 |  | $ | — |  | $ | 651,544
Real estate - agricultural |  | 66,444 |  |  | 368 |  |  | 2,103 |  |  | — |  |  | 68,915
Commercial loans |  | 186,966 |  |  | 184 |  |  | 107 |  |  | — |  |  | 187,257
Other agricultural loans |  | 34,071 |  |  | 556 |  |  | 650 |  |  | — |  |  | 35,277
Total | $ | 934,256 |  | $ | 2,187 |  | $ | 6,550 |  | $ | — |  | $ | 942,993
Summary of Recorded Investment in Loan Classes Based on Payment Activity | The Company monitors the credit risk profile by payment activity for residential and consumer loan classes. Loans past due over 90 days and loans on nonaccrual status are considered nonperforming. Nonperforming loans are reviewed monthly. The following table presents the carrying value of residential and consumer loans based on payment activity (in thousands):
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Revolving |  | Revolving |  |
|  |  |  |  | Term Loans Amortized Costs Basis by Origination Year |  | Loans |  | Loans |  |
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Amortized |  | Converted |  |
March 31, 2023 |  |  |  |  |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Cost Basis |  | to Term |  | Total
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 4,363 | $ | 52,321 | $ | 61,338 | $ | 38,029 | $ | 17,635 | $ | 99,233 | $ | 28,355 | $ | - | $ | 301,274
Nonperforming |  |  |  |  |  | - |  | - |  | - |  | - |  | 58 |  | 328 |  | 51 |  | - |  | 437
Total |  |  |  |  | $ | 4,363 | $ | 52,321 | $ | 61,338 | $ | 38,029 | $ | 17,693 | $ | 99,561 | $ | 28,406 | $ | - | $ | 301,711
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 636 | $ | 21,113 | $ | 6,213 | $ | 1,340 | $ | 1,950 | $ | 832 | $ | 307 | $ | - | $ | 32,391
Nonperforming |  |  |  |  |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | - |  | -
Total |  |  |  |  | $ | 636 | $ | 21,113 | $ | 6,213 | $ | 1,340 | $ | 1,950 | $ | 832 | $ | 307 | $ | - | $ | 32,391
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | - | $ | -
Consumer loans to individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 38,967 | $ | 98,034 | $ | 33,172 | $ | 20,602 | $ | 16,347 | $ | 14,845 | $ | 1,059 | $ | - | $ | 223,026
Nonperforming |  |  |  |  |  | - |  | 121 |  | 36 |  | 21 |  | 40 |  | 3 |  | - |  | - |  | 221
Total |  |  |  |  | $ | 38,967 | $ | 98,155 | $ | 33,208 | $ | 20,623 | $ | 16,387 | $ | 14,848 | $ | 1,059 | $ | - | $ | 223,247
Consumer loans to individuals |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current period gross charge-offs |  |  |  |  | $ | - | $ | 91 | $ | 70 | $ | 14 | $ | 10 | $ | 6 | $ | 11 | $ | - | $ | 202
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment Performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  |  |  |  | $ | 43,966 | $ | 171,468 | $ | 100,723 | $ | 59,971 | $ | 35,932 | $ | 114,910 | $ | 29,721 | $ | - | $ | 556,691
Nonperforming |  |  |  |  |  | - |  | 121 |  | 36 |  | 21 |  | 98 |  | 331 |  | 51 |  | - |  | 658
Total |  |  |  |  | $ | 43,966 | $ | 171,589 | $ | 100,759 | $ | 59,992 | $ | 36,030 | $ | 115,241 | $ | 29,772 | $ | - | $ | 557,349
For residential real estate loans, construction loans and consumer loans, the Company evaluates credit quality based on the performance of the individual credits. The following table presents the recorded investment in the loan classes based on payment activity as of December 31, 2022 (in thousands):
| Performing |  | Nonperforming |  | Total
December 31, 2022 |  |  |  |  |  |  |  |
Residential real estate loans | $ | 298,327 |  | $ | 486 |  | $ | 298,813
Construction |  | 32,469 |  |  | — |  |  | 32,469
Consumer loans to individuals |  | 199,985 |  |  | 164 |  |  | 200,149
Total | $ | 530,781 |  | $ | 650 |  | $ | 531,431

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