The following table shows the aging of the Corporation’s loan portfolio, by class, at December 31, 2024:


	30-59		60-89		90+								90+ Days
	Days		Days		Days		Total						Past Due and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate	$	26	$	—	$	—	$	26	$	734,156	$	734,182	$	—
Commercial business		29		—		—		29		104,918		104,947		—
Construction - commercial real estate		—		—		—		—		132,717		132,717		—
Land acquisition and development		—		—		—		—		46,072		46,072		—
Builder lines		—		—		—		—		35,605		35,605		—
Construction - consumer real estate		747		—		—		747		18,052		18,799		—
Residential mortgage		1,012		1,076		426		2,514		306,295		308,809		334
Equity lines		85		—		76		161		62,043		62,204		76
Other consumer		9		—		—		9		10,261		10,270		—
Consumer finance - automobiles		14,703		2,650		599		17,952		380,699		398,651		—
Consumer finance - marine and recreational vehicles		215		22		15		252		67,890		68,142		—
Total	$	16,826	$	3,748	$	1,116	$	21,690	$	1,898,708	$	1,920,398	$	410

1

For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

The following table shows the aging of the Corporation’s loan portfolio, by class, at December 31, 2023:


	30-59		60-89		90+								90+ Days
	Days		Days		Days		Total						Past Due and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate	$	92	$	—	$	—	$	92	$	668,030	$	668,122	$	—
Commercial business		—		—		1		1		115,347		115,348		1
Construction - commercial real estate		—		—		—		—		69,768		69,768		—
Land acquisition and development		—		—		—		—		29,064		29,064		—
Builder lines		—		—		—		—		24,668		24,668		—
Construction - consumer real estate		—		—		—		—		11,223		11,223		—
Residential mortgage		1,643		387		273		2,303		290,953		293,256		89
Equity lines		215		103		115		433		51,159		51,592		38
Other consumer		3		—		9		12		10,576		10,588		—
Consumer finance - automobiles		15,263		2,628		892		18,783		382,493		401,276		—
Consumer finance - marine and recreational vehicles		282		115		—		397		66,837		67,234		—
Total	$	17,498	$	3,233	$	1,290	$	22,021	$	1,720,118	$	1,742,139	$	128

1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.


	Year Ended December 31, 2024
			% of Total
			Class of
	Amortized		Financing
(Dollars in thousands)	Cost		Receivable
Term Extension
Commercial real estate	$	93		0.0	%
Commercial business		20		0.0
Residential mortgage		439		0.1
Total Term Extension	$	552

Combination Term Extension and Interest Rate Reduction
Residential mortgage	$	17		0.0	%
Total Combination Term Extension and Interest Rate Reduction	$	17
Total	$	569		0.0	%


	Year Ended December 31, 2023
			% of Total
			Class of
	Amortized		Financing
(Dollars in thousands)	Cost		Receivable
Term Extension
Commercial real estate	$	1,127		0.2	%
Commercial business		169		0.1
Residential mortgage		70		0.0
Total Term Extension	$	1,366

Combination Term Extension and Interest Rate Reduction
Commercial real estate	$	45		0.0	%
Commercial business		174		0.2
Total Combination Term Extension and Interest Rate Reduction	$	219
Total	$	1,585		0.1	%