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LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Tables) | 3 Months Ended
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Mar. 31, 2021
Receivables [Abstract] |
Schedule of Loans by Risk Rating | Below is a summary of originated and acquired loans by type and risk rating as of March 31, 2021:
|  | 1 to 5 |  | 6 |  | 7 |  | 8 |  | 9 |  | TOTAL
Originated Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 363,758 |  |  | $ | 764 |  |  | $ | 1,081 |  |  | $ | — |  |  | $ | — |  |  | $ | 365,603 |
Agricultural real estate |  | 36,439 |  |  | 522 |  |  | 1,179 |  |  | — |  |  | — |  |  | 38,140 |
Multi-family real estate |  | 111,199 |  |  | 304 |  |  | — |  |  | — |  |  | — |  |  | 111,503 |
Construction and land development |  | 80,458 |  |  | — |  |  | 3,478 |  |  | — |  |  | — |  |  | 83,936 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 72,355 |  |  | 317 |  |  | 4,021 |  |  | — |  |  | — |  |  | 76,693 |
Agricultural operating |  | 20,003 |  |  | 1,045 |  |  | 101 |  |  | — |  |  | — |  |  | 21,149 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 78,764 |  |  | — |  |  | 3,521 |  |  | — |  |  | — |  |  | 82,285 |
Purchased HELOC loans |  | 5,057 |  |  | — |  |  | 234 |  |  | — |  |  | — |  |  | 5,291 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 23,024 |  |  | — |  |  | 162 |  |  | — |  |  | — |  |  | 23,186 |
Other consumer |  | 10,906 |  |  | — |  |  | 45 |  |  | — |  |  | — |  |  | 10,951 |
Originated loans before SBA PPP loans |  | 801,963 |  |  | 2,952 |  |  | 13,822 |  |  | — |  |  | — |  |  | 818,737 |
SBA PPP loans |  | 118,931 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 118,931 |
Total originated loans |  | $ | 920,894 |  |  | $ | 2,952 |  |  | $ | 13,822 |  |  | $ | — |  |  | $ | — |  |  | $ | 937,668 |
Acquired Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 135,059 |  |  | $ | 10,494 |  |  | $ | 4,033 |  |  | $ | — |  |  | $ | — |  |  | $ | 149,586 |
Agricultural real estate |  | 27,041 |  |  | — |  |  | 5,386 |  |  | — |  |  | — |  |  | 32,427 |
Multi-family real estate |  | 7,485 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 7,485 |
Construction and land development |  | 6,553 |  |  | 204 |  |  | 39 |  |  | — |  |  | — |  |  | 6,796 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 18,865 |  |  | 9 |  |  | 366 |  |  | — |  |  | — |  |  | 19,240 |
Agricultural operating |  | 6,754 |  |  | — |  |  | 347 |  |  | — |  |  | — |  |  | 7,101 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 37,982 |  |  | — |  |  | 2,064 |  |  | — |  |  | — |  |  | 40,046 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Other consumer |  | 906 |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | 913 |
Total acquired loans |  | $ | 240,645 |  |  | $ | 10,707 |  |  | $ | 12,242 |  |  | $ | — |  |  | $ | — |  |  | $ | 263,594 |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 498,817 |  |  | $ | 11,258 |  |  | $ | 5,114 |  |  | $ | — |  |  | $ | — |  |  | $ | 515,189 |
Agricultural real estate |  | 63,480 |  |  | 522 |  |  | 6,565 |  |  | — |  |  | — |  |  | 70,567 |
Multi-family real estate |  | 118,684 |  |  | 304 |  |  | — |  |  | — |  |  | — |  |  | 118,988 |
Construction and land development |  | 87,011 |  |  | 204 |  |  | 3,517 |  |  | — |  |  | — |  |  | 90,732 |
Commercial/Agricultural non-real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 91,220 |  |  | 326 |  |  | 4,387 |  |  | — |  |  | — |  |  | 95,933 |
Agricultural operating |  | 26,757 |  |  | 1,045 |  |  | 448 |  |  | — |  |  | — |  |  | 28,250 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 116,746 |  |  | — |  |  | 5,585 |  |  | — |  |  | — |  |  | 122,331 |
Purchased HELOC loans |  | 5,057 |  |  | — |  |  | 234 |  |  | — |  |  | — |  |  | 5,291 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 23,024 |  |  | — |  |  | 162 |  |  | — |  |  | — |  |  | 23,186 |
Other Consumer |  | 11,812 |  |  | — |  |  | 52 |  |  | — |  |  | — |  |  | 11,864 |
Gross loans before SBA PPP Loans |  | 1,042,608 |  |  | 13,659 |  |  | 26,064 |  |  | — |  |  | — |  |  | 1,082,331 |
SBA PPP loans |  | 118,931 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | $ | 118,931 |
Gross loans |  | $ | 1,161,539 |  |  | $ | 13,659 |  |  | $ | 26,064 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,201,262 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Unearned net deferred fees and costs and loans in process |  |  |  |  |  |  |  |  |  |  |  | (4,487) |
Unamortized discount on acquired loans |  |  |  |  |  |  |  |  |  |  |  | (4,649) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  | (16,860) |
Loans receivable, net |  |  |  |  |  |  |  |  |  |  |  | $ | 1,175,266 |
Below is a summary of originated and acquired loans by type and risk rating as of December 31, 2020:
|  | 1 to 5 |  | 6 |  | 7 |  | 8 |  | 9 |  | TOTAL
Originated Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 349,482 |  |  | $ | 543 |  |  | $ | 1,088 |  |  | $ | — |  |  | $ | — |  |  | $ | 351,113 |
Agricultural real estate |  | 30,041 |  |  | 446 |  |  | 1,254 |  |  | — |  |  | — |  |  | 31,741 |
Multi-family real estate |  | 112,423 |  |  | 308 |  |  | — |  |  | — |  |  | — |  |  | 112,731 |
Construction and land development |  | 87,763 |  |  | — |  |  | 3,478 |  |  | — |  |  | — |  |  | 91,241 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 91,474 |  |  | 20 |  |  | 3,796 |  |  | — |  |  | — |  |  | 95,290 |
Agricultural operating |  | 22,462 |  |  | 934 |  |  | 1,061 |  |  | — |  |  | — |  |  | 24,457 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 82,097 |  |  | 7 |  |  | 4,179 |  |  | — |  |  | — |  |  | 86,283 |
Purchased HELOC loans |  | 5,959 |  |  | — |  |  | 301 |  |  | — |  |  | — |  |  | 6,260 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 25,616 |  |  | — |  |  | 235 |  |  | — |  |  | — |  |  | 25,851 |
Other Consumer |  | 11,986 |  |  | — |  |  | 70 |  |  | — |  |  | — |  |  | 12,056 |
Originated loans before SBA PPP loans |  | 819,303 |  |  | 2,258 |  |  | 15,462 |  |  | — |  |  | — |  |  | 837,023 |
SBA PPP loans |  | 123,702 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 123,702 |
Total originated loans |  | $ | 943,005 |  |  | $ | 2,258 |  |  | $ | 15,462 |  |  | $ | — |  |  | $ | — |  |  | $ | 960,725 |
Acquired Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 148,303 |  |  | $ | 4,274 |  |  | $ | 3,985 |  |  | $ | — |  |  | $ | — |  |  | $ | 156,562 |
Agricultural real estate |  | 31,147 |  |  | — |  |  | 5,907 |  |  | — |  |  | — |  |  | 37,054 |
Multi-family real estate |  | 9,273 |  |  | — |  |  | 148 |  |  | — |  |  | — |  |  | 9,421 |
Construction and land development |  | 7,237 |  |  | — |  |  | 39 |  |  | — |  |  | — |  |  | 7,276 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 20,918 |  |  | 9 |  |  | 336 |  |  | — |  |  | — |  |  | 21,263 |
Agricultural operating |  | 7,838 |  |  | — |  |  | 490 |  |  | — |  |  | — |  |  | 8,328 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 42,805 |  |  | 131 |  |  | 2,167 |  |  | — |  |  | — |  |  | 45,103 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Other Consumer |  | 1,150 |  |  | — |  |  | 7 |  |  | — |  |  | — |  |  | 1,157 |
Total acquired loans |  | $ | 268,671 |  |  | $ | 4,414 |  |  | $ | 13,079 |  |  | $ | — |  |  | $ | — |  |  | $ | 286,164 |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 497,785 |  |  | $ | 4,817 |  |  | $ | 5,073 |  |  | $ | — |  |  | $ | — |  |  | 507,675 |
Agricultural real estate |  | 61,188 |  |  | 446 |  |  | 7,161 |  |  | — |  |  | — |  |  | 68,795 |
Multi-family real estate |  | 121,696 |  |  | 308 |  |  | 148 |  |  | — |  |  | — |  |  | 122,152 |
Construction and land development |  | 95,000 |  |  | — |  |  | 3,517 |  |  | — |  |  | — |  |  | 98,517 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 112,392 |  |  | 29 |  |  | 4,132 |  |  | — |  |  | — |  |  | 116,553 |
Agricultural operating |  | 30,300 |  |  | 934 |  |  | 1,551 |  |  | — |  |  | — |  |  | 32,785 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 124,902 |  |  | 138 |  |  | 6,346 |  |  | — |  |  | — |  |  | 131,386 |
Purchased HELOC loans |  | 5,959 |  |  | — |  |  | 301 |  |  | — |  |  | — |  |  | 6,260 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 25,616 |  |  | — |  |  | 235 |  |  | — |  |  | — |  |  | 25,851 |
Other Consumer |  | 13,136 |  |  | — |  |  | 77 |  |  | — |  |  | — |  |  | 13,213 |
Gross loans before SBA PPP loans |  | 1,087,974 |  |  | 6,672 |  |  | 28,541 |  |  | — |  |  | — |  |  | 1,123,187 |
SBA PPP loans |  | 123,702 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 123,702 |
Gross loans |  | $ | 1,211,676 |  |  | $ | 6,672 |  |  | $ | 28,541 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,246,889 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Unearned net deferred fees and costs and loans in process |  |  |  |  |  |  |  |  |  |  |  | (4,245) |
Unamortized discount on acquired loans |  |  |  |  |  |  |  |  |  |  |  | (5,063) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  | (17,043) |
Loans receivable, net |  |  |  |  |  |  |  |  |  |  |  | $ | 1,220,538 |
Schedule of SBA PPP Loans by Round Activity | The following table summarizes SBA PPP loans by round at March 31, 2021 and December 31, 2020 and includes additional round 2 activity in April 2021: (Dollars in Millions)
| Balance |  | Net Deferred Fee Income
SBA PPP Loans - Round 1 | $ | 124 |  |  | $ | 3.0 |
SBA PPP Loans - Round 2 | — |  |  | — |
Total SBA PPP Loans, December 31, 2020 | 124 |  | 3.0
SBA PPP Loans - Round 1 | $ | 72 |  |  | $ | 1.3 |
SBA PPP Loans - Round 2 | 47 |  |  | 1.7 |
Total SBA PPP Loans, March 31, 2021 | 119 |  | 3.0
Net deferred fees collected after March 31, 2021 from Q1 SBA PPP loan originations | — |  |  | 0.9 |
| 119 |  | 3.9
SBA PPP Pipeline Round 2, April 2021 | 8 |  |  | 0.8 |
March 31, 2021 plus SBA PPP Pipeline - Round 2, April 2021 | $ | 127 |  |  | $ | 4.7 |
Schedule of Changes of Impaired Loans and Non-Impaired Loans | Changes in the ALL by loan type for the periods presented below were as follows:
| Commercial/Agriculture Real Estate |  | C&I/Agricultural operating |  | Residential Mortgage |  | Consumer Installment |  | Unallocated |  | Total
Three months ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2021 | $ | 10,271 |  |  | $ | 2,112 |  |  | $ | 1,041 |  |  | $ | 489 |  |  | $ | 906 |  |  | $ | 14,819 |
Charge-offs | — |  |  | — |  |  | — |  |  | (25) |  |  | — |  |  | (25) |
Recoveries | 5 |  |  | 8 |  |  | 7 |  |  | 10 |  |  | — |  |  | 30 |
Provision | 833 |  |  | (487) |  |  | (107) |  |  | (24) |  |  | (11) |  |  | 204 |
Total Allowance on originated loans | 11,109 |  |  | 1,633 |  |  | 941 |  |  | 450 |  |  | 895 |  |  | 15,028 |
Purchased credit impaired loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other acquired loans: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2021 | 1,684 |  |  | 141 |  |  | 335 |  |  | 64 |  |  | — |  |  | 2,224 |
Charge-offs | (200) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (200) |
Recoveries | — |  |  | 7 |  |  | 1 |  |  | 4 |  |  | — |  |  | 12 |
Provision | (183) |  |  | (54) |  |  | 52 |  |  | (19) |  |  | — |  |  | (204) |
Total Allowance on other acquired loans | 1,301 |  |  | 94 |  |  | 388 |  |  | 49 |  |  | — |  |  | 1,832 |
Total Allowance on acquired loans | 1,301 |  |  | 94 |  |  | 388 |  |  | 49 |  |  | — |  |  | 1,832 |
Ending balance, March 31, 2021 | $ | 12,410 |  |  | $ | 1,727 |  |  | $ | 1,329 |  |  | $ | 499 |  |  | $ | 895 |  |  | $ | 16,860 |
Allowance for Loan Losses at March 31, 2021: |  |  |  |  |  |  |  |  |  |  |
Amount of allowance for loan losses arising from loans individually evaluated for impairment | $ | 1,094 |  |  | $ | 10 |  |  | $ | 157 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,261 |
Amount of allowance for loan losses arising from loans collectively evaluated for impairment | $ | 11,316 |  |  | $ | 1,717 |  |  | $ | 1,172 |  |  | $ | 499 |  |  | $ | 895 |  |  | $ | 15,599 |
Loans Receivable as of March 31, 2021 |  |  |  |  |  |  |  |  |  |  | — |
Ending balance of originated loans | $ | 599,182 |  |  | $ | 216,773 |  |  | $ | 87,576 |  |  | $ | 34,137 |  |  | $ | — |  |  | $ | 937,668 |
Ending balance of purchased credit-impaired loans | 14,856 |  |  | 1,367 |  |  | 1,218 |  |  | — |  |  | — |  |  | 17,441 |
Ending balance of other acquired loans | 181,438 |  |  | 24,974 |  |  | 38,828 |  |  | 913 |  |  | — |  |  | 246,153 |
Ending balance of loans | $ | 795,476 |  |  | $ | 243,114 |  |  | $ | 127,622 |  |  | $ | 35,050 |  |  | $ | — |  |  | $ | 1,201,262 |
Ending balance: individually evaluated for impairment | $ | 24,948 |  |  | $ | 6,197 |  |  | $ | 8,843 |  |  | $ | 255 |  |  | $ | — |  |  | $ | 40,243 |
Ending balance: collectively evaluated for impairment | $ | 770,528 |  |  | $ | 236,917 |  |  | $ | 118,779 |  |  | $ | 34,795 |  |  | $ | — |  |  | $ | 1,161,019 |
| Commercial/Agriculture Real Estate |  | C&I/Agricultural operating |  | Residential Mortgage |  | Consumer Installment |  | Unallocated |  | Total
Three months ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2020 | $ | 6,205 |  |  | $ | 1,643 |  |  | $ | 879 |  |  | $ | 467 |  |  | $ | 357 |  |  | $ | 9,551 |
Charge-offs | — |  |  | (307) |  |  | — |  |  | (49) |  |  | — |  |  | (356) |
Recoveries | — |  |  | — |  |  | 5 |  |  | 20 |  |  | — |  |  | 25 |
Provision | 1,072 |  |  | 323 |  |  | 40 |  |  | 92 |  |  | 103 |  |  | 1,630 |
Total Allowance on originated loans | $ | 7,277 |  |  | $ | 1,659 |  |  | $ | 924 |  |  | $ | 530 |  |  | $ | 460 |  |  | $ | 10,850 |
Purchased credit impaired loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other acquired loans |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2020 | 526 |  |  | 27 |  |  | 163 |  |  | 53 |  |  | — |  |  | 769 |
Charge-offs | — |  |  | (135) |  |  | (27) |  |  | (2) |  |  | — |  |  | (164) |
Recoveries | — |  |  | — |  |  | 8 |  |  | 2 |  |  | — |  |  | 10 |
Provision | 139 |  |  | 268 |  |  | (29) |  |  | (8) |  |  | — |  |  | 370 |
Total Allowance on other acquired loans | 665 |  |  | 160 |  |  | 115 |  |  | 45 |  |  | — |  |  | 985 |
Total Allowance on acquired loans | 665 |  |  | 160 |  |  | 115 |  |  | 45 |  |  | — |  |  | 985 |
Ending balance, March 31, 2020 | $ | 7,942 |  |  | $ | 1,819 |  |  | $ | 1,039 |  |  | $ | 575 |  |  | $ | 460 |  |  | $ | 11,835 |
Allowance for Loan Losses at March 31, 2020: |  |  |  |  |  |  |  |  |  |  |
Amount of allowance for loan losses arising from loans individually evaluated for impairment | $ | 733 |  |  | $ | 92 |  |  | $ | 181 |  |  | $ | 27 |  |  | $ | — |  |  | $ | 1,033 |
Amount of allowance for loan losses arising from loans collectively evaluated for impairment | $ | 7,209 |  |  | $ | 1,727 |  |  | $ | 858 |  |  | $ | 548 |  |  | $ | 460 |  |  | $ | 10,802 |
Loans Receivable as of March 31, 2020: |  |  |  |  |  |  |  |  |  |  |
Ending balance of originated loans | $ | 519,958 |  |  | $ | 107,949 |  |  | $ | 110,455 |  |  | $ | 51,494 |  |  | $ | — |  |  | $ | 789,856 |
Ending balance of purchased credit-impaired loans | 25,452 |  |  | 3,845 |  |  | 1,934 |  |  | — |  |  | — |  |  | 31,231 |
Ending balance of other acquired loans | 257,059 |  |  | 48,152 |  |  | 61,023 |  |  | 2,104 |  |  | — |  |  | 368,338 |
Ending balance of loans | $ | 802,469 |  |  | $ | 159,946 |  |  | $ | 173,412 |  |  | $ | 53,598 |  |  | $ | — |  |  | $ | 1,189,425 |
Ending balance: individually evaluated for impairment | $ | 36,470 |  |  | $ | 8,759 |  |  | $ | 10,226 |  |  | $ | 496 |  |  | $ | — |  |  | $ | 55,951 |
Ending balance: collectively evaluated for impairment | $ | 765,999 |  |  | $ | 151,187 |  |  | $ | 163,186 |  |  | $ | 53,102 |  |  | $ | — |  |  | $ | 1,133,474 |
| Commercial/Agriculture Real Estate |  | C&I/Agricultural operating |  | Residential Mortgage |  | Consumer Installment |  | Unallocated |  | Total
Allowance for Loan Losses at December 31, 2020: |  |  |  |  |  |  |  |  |  |  |
Amount of allowance for loan losses arising from loans individually evaluated for impairment | $ | 698 |  |  | $ | 190 |  |  | $ | 226 |  |  | $ | 1 |  |  | $ | — |  |  | $ | 1,115 |
Amount of allowance for loan losses arising from loans collectively evaluated for impairment | $ | 11,257 |  |  | $ | 2,063 |  |  | $ | 1,150 |  |  | $ | 552 |  |  | $ | 906 |  |  | $ | 15,928 |
Loans Receivable as of December 31, 2020: |  |  |  |  |  |  |  |  |  |  |
Ending balance of originated loans | $ | 586,826 |  |  | $ | 243,449 |  |  | $ | 92,543 |  |  | $ | 37,907 |  |  | $ | — |  |  | $ | 960,725 |
Ending balance of purchased credit-impaired loans | 15,100 |  |  | 1,534 |  |  | 1,312 |  |  | — |  |  | — |  |  | 17,946 |
Ending balance of other acquired loans | 195,213 |  |  | 28,057 |  |  | 43,791 |  |  | 1,157 |  |  | — |  |  | 268,218 |
Ending balance of loans | $ | 797,139 |  | 797139000 | $ | 273,040 |  |  | $ | 137,646 |  |  | $ | 39,064 |  |  | $ | — |  |  | $ | 1,246,889 |
Ending balance: individually evaluated for impairment | $ | 26,303 |  |  | $ | 7,115 |  |  | $ | 9,621 |  |  | $ | 358 |  |  | $ | — |  |  | $ | 43,397 |
Ending balance: collectively evaluated for impairment | $ | 770,836 |  |  | $ | 265,925 |  |  | $ | 128,025 |  |  | $ | 38,706 |  |  | $ | — |  |  | $ | 1,203,492 |
Schedule of Loans Receivable | Loans receivable by loan type as of the end of the periods shown below were as follows:
| Commercial/Agriculture Real Estate Loans |  | C&I/Agricultural Operating |  | Residential Mortgage |  | Consumer Installment |  | Totals
| March 31, 2021 |  | December 31, 2020 |  | March 31, 2021 |  | December 31, 2020 |  | March 31, 2021 |  | December 31, 2020 |  | March 31, 2021 |  | December 31, 2020 |  | March 31, 2021 |  | December 31, 2020
Performing loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing TDR loans | $ | 4,472 |  |  | $ | 4,695 |  |  | $ | 4,042 |  |  | $ | 3,836 |  |  | $ | 3,195 |  |  | $ | 3,142 |  |  | $ | 43 |  |  | $ | 49 |  |  | $ | 11,752 |  |  | $ | 11,722 |
Performing loans other | 785,733 |  |  | 786,533 |  |  | 237,917 |  |  | 266,975 |  |  | 121,746 |  |  | 131,470 |  |  | 34,899 |  |  | 38,856 |  |  | 1,180,295 |  |  | 1,223,834 |
Total performing loans | 790,205 |  |  | 791,228 |  |  | 241,959 |  |  | 270,811 |  |  | 124,941 |  |  | 134,612 |  |  | 34,942 |  |  | 38,905 |  |  | 1,192,047 |  |  | 1,235,556 |
Nonperforming loans (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonperforming TDR loans | 4,184 |  |  | 4,691 |  |  | 758 |  |  | 1,287 |  |  | 742 |  |  | 777 |  |  | 6 |  |  | — |  |  | 5,690 |  |  | 6,755 |
Nonperforming loans other | 1,087 |  |  | 1,220 |  |  | 397 |  |  | 942 |  |  | 1,939 |  |  | 2,257 |  |  | 102 |  |  | 159 |  |  | 3,525 |  |  | 4,578 |
Total nonperforming loans | 5,271 |  |  | 5,911 |  |  | 1,155 |  |  | 2,229 |  |  | 2,681 |  |  | 3,034 |  |  | 108 |  |  | 159 |  |  | 9,215 |  |  | 11,333 |
Total loans | $ | 795,476 |  |  | $ | 797,139 |  |  | $ | 243,114 |  |  | $ | 273,040 |  |  | $ | 127,622 |  |  | $ | 137,646 |  |  | $ | 35,050 |  |  | $ | 39,064 |  |  | $ | 1,201,262 |  |  | $ | 1,246,889 |
(1)Nonperforming loans are either 90+ days past due or nonaccrual.
Schedule of Aging Analysis of the Bank Real Estate and Consumer Loans | An aging analysis of the Company’s commercial/agricultural real estate, C&I, agricultural operating, residential mortgage, consumer installment and purchased third party loans as of March 31, 2021 and December 31, 2020, respectively, was as follows:
| 30-59 Days Past Due and Accruing |  | 60-89 Days Past Due and Accruing |  | Greater Than 89 Days Past Due and Accruing |  | Total Past Due and Accruing |  | Nonaccrual Loans |  | Total Past Due Accruing and Nonaccrual Loans |  | Current |  | Total Loans
March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 1,788 |  |  | $ | 1,430 |  |  | $ | — |  |  | $ | 3,218 |  |  | $ | 760 |  |  | $ | 3,978 |  |  | $ | 511,211 |  |  | $ | 515,189 |
Agricultural real estate | 361 |  |  | — |  |  | — |  |  | 361 |  |  | 4,511 |  |  | 4,872 |  |  | 65,695 |  |  | 70,567 |
Multi-family real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 118,988 |  |  | 118,988 |
Construction and land development | — |  |  | 204 |  |  | — |  |  | 204 |  |  | — |  |  | 204 |  |  | 90,528 |  |  | 90,732 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 592 |  |  | 145 |  |  | — |  |  | 737 |  |  | 391 |  |  | 1,128 |  |  | 94,805 |  |  | 95,933 |
C&I SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 118,931 |  |  | 118,931 |
Agricultural operating | 2,506 |  |  | 379 |  |  | — |  |  | 2,885 |  |  | 764 |  |  | 3,649 |  |  | 24,601 |  |  | 28,250 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 1,974 |  |  | 246 |  |  | 514 |  |  | 2,734 |  |  | 1,933 |  |  | 4,667 |  |  | 117,664 |  |  | 122,331 |
Purchased HELOC loans | — |  |  | — |  |  | — |  |  | — |  |  | 234 |  |  | 234 |  |  | 5,057 |  |  | 5,291 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper | 20 |  |  | 33 |  |  | — |  |  | 53 |  |  | 64 |  |  | 117 |  |  | 23,069 |  |  | 23,186 |
Other Consumer | 40 |  |  | 1 |  |  | 22 |  |  | 63 |  |  | 22 |  |  | 85 |  |  | 11,779 |  |  | 11,864 |
Total | $ | 7,281 |  |  | $ | 2,438 |  |  | $ | 536 |  |  | $ | 10,255 |  |  | $ | 8,679 |  |  | $ | 18,934 |  |  | $ | 1,182,328 |  |  | $ | 1,201,262 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 9,568 |  |  | $ | 467 |  |  | $ | — |  |  | $ | 10,035 |  |  | $ | 679 |  |  | $ | 10,714 |  |  | $ | 496,961 |  |  | $ | 507,675 |
Agricultural real estate | 411 |  |  | 48 |  |  | — |  |  | 459 |  |  | 5,084 |  |  | 5,543 |  |  | 63,252 |  |  | 68,795 |
Multi-family real estate | 308 |  |  | — |  |  | — |  |  | 308 |  |  | 148 |  |  | 456 |  |  | 121,696 |  |  | 122,152 |
Construction and land development | 3,898 |  |  | — |  |  | — |  |  | 3,898 |  |  | — |  |  | 3,898 |  |  | 94,619 |  |  | 98,517 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 436 |  |  | 491 |  |  | — |  |  | 927 |  |  | 357 |  |  | 1,284 |  |  | 115,269 |  |  | 116,553 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 123,702 |  |  | 123,702 |
Agricultural operating | 1,499 |  |  | 200 |  |  | — |  |  | 1,699 |  |  | 1,872 |  |  | 3,571 |  |  | 29,214 |  |  | 32,785 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 2,238 |  |  | 372 |  |  | 516 |  |  | 3,126 |  |  | 2,217 |  |  | 5,343 |  |  | 126,043 |  |  | 131,386 |
Purchased HELOC loans | 338 |  |  | 94 |  |  | 67 |  |  | 499 |  |  | 234 |  |  | 733 |  |  | 5,527 |  |  | 6,260 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper | 90 |  |  | 37 |  |  | — |  |  | 127 |  |  | 133 |  |  | 260 |  |  | 25,591 |  |  | 25,851 |
Other Consumer | 100 |  |  | 14 |  |  | 3 |  |  | 117 |  |  | 23 |  |  | 140 |  |  | 13,073 |  |  | 13,213 |
Total | $ | 18,886 |  |  | $ | 1,723 |  |  | $ | 586 |  |  | $ | 21,195 |  |  | $ | 10,747 |  |  | $ | 31,942 |  |  | $ | 1,214,947 |  |  | $ | 1,246,889 |
Schedule of Bank Impaired Loans | A summary of the Company’s impaired loans as of March 31, 2021, December 31, 2020 and March 31, 2020 was as follows:
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized |  |  |  |
March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 19,714 |  |  | $ | 19,714 |  |  | $ | — |  |  | $ | 21,864 |  |  | $ | 239 |  |  |  |  |
C&I/Agricultural operating | 6,118 |  |  | 6,118 |  |  | — |  |  | 6,226 |  |  | 70 |  |  |  |  |
Residential mortgage | 8,191 |  |  | 8,191 |  |  | — |  |  | 8,367 |  |  | 80 |  |  |  |  |
Consumer installment | 255 |  |  | 255 |  |  | — |  |  | 306 |  |  | 3 |  |  |  |  |
Total | $ | 34,278 |  |  | $ | 34,278 |  |  | $ | — |  |  | $ | 36,763 |  |  | $ | 392 |  |  |  |  |
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 5,234 |  |  | $ | 5,234 |  |  | $ | 1,094 |  |  | $ | 3,762 |  |  | $ | 62 |  |  |  |  |
C&I/Agricultural operating | 79 |  |  | 79 |  |  | 10 |  |  | 430 |  |  | — |  |  |  |  |
Residential mortgage | 652 |  |  | 652 |  |  | 157 |  |  | 866 |  |  | 8 |  |  |  |  |
Consumer installment | — |  |  | — |  |  | — |  |  | 1 |  |  | — |  |  |  |  |
Total | $ | 5,965 |  |  | $ | 5,965 |  |  | $ | 1,261 |  |  | $ | 5,059 |  |  | $ | 70 |  |  |  |  |
March 31, 2021 Totals: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 24,948 |  |  | $ | 24,948 |  |  | $ | 1,094 |  |  | $ | 25,626 |  |  | $ | 301 |  |  |  |  |
C&I/Agricultural operating | 6,197 |  |  | 6,197 |  |  | 10 |  |  | 6,656 |  |  | 70 |  |  |  |  |
Residential mortgage | 8,843 |  |  | 8,843 |  |  | 157 |  |  | 9,233 |  |  | 88 |  |  |  |  |
Consumer installment | 255 |  |  | 255 |  |  | — |  |  | 307 |  |  | 3 |  |  |  |  |
Total | $ | 40,243 |  |  | $ | 40,243 |  |  | $ | 1,261 |  |  | $ | 41,822 |  |  | $ | 462 |  |  |  |  |
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
December 31, 2020 |  |  |  |  |  |  |  |  |
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 24,013 |  |  | $ | 24,013 |  |  | $ | — |  |  | $ | 32,264 |  |  | $ | 1,894 |
C&I/Agricultural operating | 6,334 |  |  | 6,334 |  |  | — |  |  | 7,906 |  |  | 284 |
Residential mortgage | 8,542 |  |  | 8,542 |  |  | — |  |  | 8,619 |  |  | 450 |
Consumer installment | 356 |  |  | 356 |  |  | — |  |  | 368 |  |  | 30 |
Total | $ | 39,245 |  |  | $ | 39,245 |  |  | $ | — |  |  | $ | 49,157 |  |  | $ | 2,658 |
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 2,290 |  |  | $ | 2,290 |  |  | $ | 698 |  |  | $ | 2,217 |  |  | $ | 100 |
C&I/Agricultural operating | 781 |  |  | 781 |  |  | 190 |  |  | 636 |  |  | 22 |
Residential mortgage | 1,079 |  |  | 1,079 |  |  | 226 |  |  | 1,255 |  |  | 54 |
Consumer installment | 2 |  |  | 2 |  |  | 1 |  |  | 35 |  |  | 1 |
Total | $ | 4,152 |  |  | $ | 4,152 |  |  | $ | 1,115 |  |  | $ | 4,143 |  |  | $ | 177 |
December 31, 2020 Totals |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 26,303 |  |  | $ | 26,303 |  |  | $ | 698 |  |  | $ | 34,481 |  |  | $ | 1,994 |
C&I/Agricultural operating | 7,115 |  |  | 7,115 |  |  | 190 |  |  | 8,542 |  |  | 306 |
Residential mortgage | 9,621 |  |  | 9,621 |  |  | 226 |  |  | 9,874 |  |  | 504 |
Consumer installment | 358 |  |  | 358 |  |  | 1 |  |  | 403 |  |  | 31 |
Total | $ | 43,397 |  |  | $ | 43,397 |  |  | $ | 1,115 |  |  | $ | 53,300 |  |  | $ | 2,835 |
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized |  |  |  |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 33,959 |  |  | $ | 33,959 |  |  | $ | — |  |  | $ | 37,237 |  |  | $ | 563 |  |  |  |  |
C&I/Agricultural operating | 8,343 |  |  | 8,343 |  |  | — |  |  | 8,910 |  |  | 119 |  |  |  |  |
Residential mortgage | 7,966 |  |  | 7,966 |  |  | — |  |  | 8,330 |  |  | 116 |  |  |  |  |
Consumer installment | 397 |  |  | 397 |  |  | — |  |  | 388 |  |  | 8 |  |  |  |  |
Total | $ | 50,665 |  |  | $ | 50,665 |  |  | $ | — |  |  | $ | 54,865 |  |  | $ | 806 |  |  |  |  |
With An Allowance Recorded: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 2,511 |  |  | $ | 2,511 |  |  | $ | 733 |  |  | $ | 2,327 |  |  | $ | 6 |  |  |  |  |
C&I/Agricultural operating | 416 |  |  | 416 |  |  | 92 |  |  | 453 |  |  | 5 |  |  |  |  |
Residential mortgage | 2,260 |  |  | 2,260 |  |  | 181 |  |  | 1,846 |  |  | 30 |  |  |  |  |
Consumer installment | 99 |  |  | 99 |  |  | 27 |  |  | 83 |  |  | 1 |  |  |  |  |
Total | $ | 5,286 |  |  | $ | 5,286 |  |  | $ | 1,033 |  |  | $ | 4,709 |  |  | $ | 42 |  |  |  |  |
March 31, 2020 Totals: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate | $ | 36,470 |  |  | $ | 36,470 |  |  | $ | 733 |  |  | $ | 39,564 |  |  | $ | 569 |  |  |  |  |
C&I/Agricultural operating | 8,759 |  |  | 8,759 |  |  | 92 |  |  | 9,363 |  |  | 124 |  |  |  |  |
Residential mortgage | 10,226 |  |  | 10,226 |  |  | 181 |  |  | 10,176 |  |  | 146 |  |  |  |  |
Consumer installment | 496 |  |  | 496 |  |  | 27 |  |  | 471 |  |  | 9 |  |  |  |  |
Total | $ | 55,951 |  |  | $ | 55,951 |  |  | $ | 1,033 |  |  | $ | 59,574 |  |  | $ | 848 |  |  |  |  |
Schedule of Troubled Debt Restructuring | Following is a summary of TDR loans by accrual status as of March 31, 2021 and December 31, 2020.
|  | March 31, 2021 |  | December 31, 2020
Troubled debt restructure loans: |  |  |  |
Accrual status |  | $ | 11,752 |  |  | $ | 11,742 |
Non-accrual status |  | 5,690 |  |  | 6,735 |
Total |  | $ | 17,442 |  |  | $ | 18,477 |
The following provides detail, including specific reserve and reasons for modification, related to loans identified as TDRs during the three months ended March 31, 2021 and March 31, 2020:
|  | Number of Contracts |  | Maturity Extension |  | Modified Payment |  | Modified Under- writing |  | Other |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserve
Three months ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate |  | 2 |  |  | $ | 38 |  |  | $ | 81 |  |  | $ | — |  |  | $ | — |  |  | $ | 119 |  |  | $ | 119 |  |  | $ | — |
C&I/Agricultural operating |  | 1 |  |  | — |  |  | — |  |  | 240 |  |  | — |  |  | 240 |  |  | 240 |  |  | — |
Residential mortgage |  | 2 |  |  | 66 |  |  | — |  |  | 14 |  |  | — |  |  | 80 |  |  | 80 |  |  | — |
Consumer installment |  | 1 |  |  | 6 |  |  | — |  |  | — |  |  | — |  |  | 6 |  |  | 6 |  |  | — |
Totals |  | 6 |  |  | $ | 110 |  |  | $ | 81 |  |  | $ | 254 |  |  | $ | — |  |  | $ | 445 |  |  | $ | 445 |  |  | $ | — |
|  | Number of Contracts |  | Maturity Extension |  | Modified Payment |  | Modified Under- writing |  | Other |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserve
Three months ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/agriculture real estate |  | 3 |  |  | $ | 248 |  |  | $ | — |  |  | $ | 17 |  |  | $ | — |  |  | $ | 265 |  |  | $ | 265 |  |  | $ | — |
C&I/Agricultural operating |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage |  | 1 |  |  | — |  |  | — |  |  | 85 |  |  | — |  |  | 85 |  |  | 85 |  |  | — |
Consumer installment |  | 2 |  |  | 3 |  |  | — |  |  | 4 |  |  | — |  |  | 7 |  |  | 7 |  |  | — |
Totals |  | 6 |  |  | $ | 251 |  |  | $ | — |  |  | $ | 106 |  |  | $ | — |  |  | $ | 357 |  |  | $ | 357 |  |  | $ | — |
A summary of loans by loan segment modified in a troubled debt restructuring as of March 31, 2021 and March 31, 2020, was as follows:
|  | March 31, 2021 |  | March 31, 2020
|  | Number of Modifications |  | Recorded Investment |  | Number of Modifications |  | Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |  |  |
Commercial/agriculture real estate |  | 30 |  |  | $ | 8,656 |  |  | 28 |  |  | $ | 6,415 |
C&I/Agricultural operating |  | 14 |  |  | 4,800 |  |  | 14 |  |  | 2,065 |
Residential mortgage |  | 52 |  |  | 3,937 |  |  | 42 |  |  | 3,539 |
Consumer installment |  | 9 |  |  | 49 |  |  | 8 |  |  | 69 |
Total troubled debt restructurings |  | 105 |  |  | $ | 17,442 |  |  | 92 |  |  | $ | 12,088 |
The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the three months ended March 31, 2021 and March 31, 2020, as well as the recorded investment in these restructured loans as of March 31, 2021 and March 31, 2020:
|  | March 31, 2021 |  | March 31, 2020
|  | Number of Modifications |  | Recorded Investment |  | Number of Modifications |  | Recorded Investment
Troubled debt restructurings: |  |  |  |  |  |  |  |
Commercial/agriculture real estate |  | — |  |  | $ | — |  |  | 5 |  |  | $ | 1,892 |
C&I/Agricultural operating |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage |  | 1 |  |  | 19 |  |  | — |  |  | — |
Consumer installment |  | — |  |  | — |  |  | — |  |  | — |
Total troubled debt restructurings |  | 1 |  |  | $ | 19 |  |  | 5 |  |  | $ | 1,892 |
Schedule of Acquired Loans | The outstanding balance and the carrying amount of acquired loans included in the consolidated balance sheet are as follows:
|  | March 31, 2021 |  | December 31, 2020
Accountable for under ASC 310-30 (Purchased Credit Impaired “PCI” loans) |  |  |  |
Outstanding balance |  | $ | 17,441 |  |  | $ | 17,946 |
Carrying amount |  | $ | 16,475 |  |  | $ | 16,859 |
Accountable for under ASC 310-20 (non-PCI loans) |  |  |  |
Outstanding balance |  | $ | 246,153 |  |  | $ | 268,218 |
Carrying amount |  | $ | 242,470 |  |  | $ | 264,242 |
Total acquired loans |  |  |  |
Outstanding balance |  | $ | 263,594 |  |  | $ | 286,164 |
Carrying amount |  | $ | 258,945 |  |  | $ | 281,101 |
Schedule of Accretable Yield | The following table provides changes in accretable yield for all acquired loans from prior acquisitions with deteriorated credit quality:
|  | March 31, 2021 |  | March 31, 2020
Balance at beginning of period |  | $ | 3,976 |  |  | $ | 3,201 |
Acquisitions |  | — |  |  | — |
Reduction due to unexpected early payoffs |  | (90) |  |  | — |
Reclass from non-accretable difference |  | 63 |  |  | 669 |
Accretion |  | (266) |  |  | (233) |
Balance at end of period |  | $ | 3,683 |  |  | $ | 3,637 |
Schedule of Non-Accretable Yield | The following table provides changes in non-accretable yield for all acquired loans from prior acquisitions with deteriorated credit quality:
| March 31, 2021 |  | December 31, 2020
Balance at beginning of period | $ | 1,087 |  |  | $ | 6,290 |
Additions to non-accretable difference for acquired purchased credit impaired loans | — |  |  | — |
Non-accretable difference realized as interest from payoffs of purchased credit impaired loans | (58) |  |  | (1,693) |
Transfers from non-accretable difference to accretable discount | (63) |  |  | (2,754) |
Non-accretable difference used to reduce loan principal balance | — |  |  | (505) |
Non-accretable difference transferred to OREO due to loan foreclosure | — |  |  | (251) |
Balance at end of period | $ | 966 |  |  | $ | 1,087 |

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