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Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2021

Allowance for Loan Losses

Schedule of changes in the allowance for loan losses


		Real Estate						Commercial,
		Residential			Real Estate			Financial &			Equity						Consumer
(Dollars in thousands)		Mortgage			Construction			Agricultural			Lines			Consumer			Finance			Total
Balance at December 31, 2018		$	2,246		$	727		$	6,688		$	1,106		$	257		$	22,999		$	34,023
Provision charged to operations			(146)			(46)			458			(235)			329			8,155			8,515
Loans charged off			(46)			—			(29)			(138)			(349)			(13,991)			(14,553)
Recoveries of loans previously charged off			26			—			4			—			228			4,630			4,888
Balance at December 31, 2019			2,080			681			7,121			733			465			21,793			32,873
Provision charged to operations			808			294			3,589			(47)			(34)			6,470			11,080
Loans charged off			(62)			—			(18)			—			(231)			(9,331)			(9,642)
Recoveries of loans previously charged off			88			—			4			1			171			4,581			4,845
Balance at December 31, 2020			2,914			975			10,696			687			371			23,513			39,156
Provision charged to operations			(279)			(119)			385			(95)			(137)			820			575
Loans charged off			—			—			—			—			(184)			(4,381)			(4,565)
Recoveries of loans previously charged off			25			—			4			1			122			4,839			4,991
Balance at December 31, 2021		$	2,660		$	856		$	11,085		$	593		$	172		$	24,791		$	40,157

Schedule of balance of the allowance for loan losses and the allowance by impairment methodology

The following table presents, as of December 31, 2021, the balance of the allowance for loan losses, the allowance by impairment methodology, total loans and loans by impairment methodology.


		Real Estate						Commercial,
		Residential			Real Estate			Financial &			Equity						Consumer
(Dollars in thousands)		Mortgage			Construction			Agricultural			Lines			Consumer			Finance			Total
Allowance balance attributable to loans:
Individually evaluated for impairment		$	63		$	—		$	592		$	—		$	—		$	—		$	655
Collectively evaluated for impairment			2,597			856			10,493			593			172			24,791			39,502
Acquired loans - PCI			—			—			—			—			—			—			—
Total allowance		$	2,660		$	856		$	11,085		$	593		$	172		$	24,791		$	40,157
Loans:
Individually evaluated for impairment		$	1,585		$	—		$	3,513		$	110		$	—		$	—		$	5,208
Collectively evaluated for impairment			214,614			57,495			711,464			41,197			8,233			368,194			1,401,197
Acquired loans - PCI			817			—			2,753			38			47			—			3,655
Total loans		$	217,016		$	57,495		$	717,730		$	41,345		$	8,280		$	368,194		$	1,410,060

The following table presents, as of December 31, 2020, the balance of the allowance for loan losses, the allowance by impairment methodology, total loans and loans by impairment methodology.


		Real Estate						Commercial,
		Residential			Real Estate			Financial &			Equity						Consumer
(Dollars in thousands)		Mortgage			Construction			Agricultural			Lines			Consumer			Finance			Total
Allowance balance attributable to loans:
Individually evaluated for impairment		$	77		$	—		$	674		$	—		$	128		$	—		$	879
Collectively evaluated for impairment			2,837			975			10,022			687			243			23,513			38,277
Acquired loans - PCI			—			—			—			—			—			—			—
Total allowance		$	2,914		$	975		$	10,696		$	687		$	371		$	23,513		$	39,156
Loans:
Individually evaluated for impairment		$	2,210		$	—		$	3,825		$	111		$	132		$	—		$	6,278
Collectively evaluated for impairment			214,615			62,147			691,632			48,275			10,848			312,252			1,339,769
Acquired loans - PCI			1,473			—			4,758			80			48			—			6,359
Total loans		$	218,298		$	62,147		$	700,215		$	48,466		$	11,028		$	312,252		$	1,352,406