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LOANS, ALLOWANCE FOR LOAN LOSSES AND IMPAIRED LOANS (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2022
Receivables [Abstract] |
Schedule of Major Classifications of Loans | Loans by classes within portfolio segments were as follows:
|  | December 31, 2022 |  | December 31, 2021 |  |
Originated Loans: |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |
Commercial real estate |  | $ | 640,816 |  |  | $ | 578,395 |  |  |
Agricultural real estate |  | 69,431 |  |  | 52,372 |  |  |
Multi-family real estate |  | 205,601 |  |  | 174,050 |  |  |
Construction and land development |  | 101,681 |  |  | 78,613 |  |  |
C&I/Agricultural operating: |  |  |  |  |  |
Commercial and industrial |  | 127,115 |  |  | 107,937 |  |  |
Agricultural operating |  | 23,124 |  |  | 26,202 |  |  |
Residential mortgage: |  |  |  |  |  |
Residential mortgage |  | 84,783 |  |  | 63,855 |  |  |
Purchased HELOC loans |  | 3,262 |  |  | 3,871 |  |  |
Consumer installment: |  |  |  |  |  |
Originated indirect paper |  | 10,236 |  |  | 15,971 |  |  |
Other Consumer |  | 6,894 |  |  | 8,473 |  |  |
Total originated loans before SBA PPP loans |  | $ | 1,272,943 |  |  | $ | 1,109,739 |  |  |
SBA PPP loans |  | — |  |  | 8,755 |  |  |
Total originated loans |  | $ | 1,272,943 |  |  | $ | 1,118,494 |  |  |
Acquired Loans: |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |
Commercial real estate |  | $ | 85,155 |  |  | $ | 120,070 |  |  |
Agricultural real estate |  | 18,477 |  |  | 26,123 |  |  |
Multi-family real estate |  | 3,307 |  |  | 4,299 |  |  |
Construction and land development |  | 811 |  |  | 907 |  |  |
C&I/Agricultural operating: |  |  |  |  |  |
Commercial and industrial |  | 8,898 |  |  | 14,230 |  |  |
Agricultural operating |  | 5,682 |  |  | 5,386 |  |  |
Residential mortgage: |  |  |  |  |  |
Residential mortgage |  | 20,606 |  |  | 27,135 |  |  |
Consumer installment: |  |  |  |  |  |
Other Consumer |  | 256 |  |  | 401 |  |  |
Total acquired loans |  | $ | 143,192 |  |  | $ | 198,551 |  |  |
Total Loans: |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |
Commercial real estate |  | $ | 725,971 |  |  | $ | 698,465 |  |  |
Agricultural real estate |  | 87,908 |  |  | 78,495 |  |  |
Multi-family real estate |  | 208,908 |  |  | 178,349 |  |  |
Construction and land development |  | 102,492 |  |  | 79,520 |  |  |
C&I/Agricultural operating: |  |  |  |  |  |
Commercial and industrial |  | 136,013 |  |  | 122,167 |  |  |
Agricultural operating |  | 28,806 |  |  | 31,588 |  |  |
Residential mortgage: |  |  |  |  |  |
Residential mortgage |  | 105,389 |  |  | 90,990 |  |  |
Purchased HELOC loans |  | 3,262 |  |  | 3,871 |  |  |
Consumer installment: |  |  |  |  |  |
Originated indirect paper |  | 10,236 |  |  | 15,971 |  |  |
Other Consumer |  | 7,150 |  |  | 8,874 |  |  |
Total loans before SBA PPP loans |  | $ | 1,416,135 |  |  | $ | 1,308,290 |  |  |
SBA PPP loans |  | — |  |  | 8,755 |  |  |
Gross loans |  | $ | 1,416,135 |  |  | $ | 1,317,045 |  |  |
Less: |  |  |  |  |  |
Unearned net deferred fees and costs and loans in process |  | (2,585) |  |  | (2,482) |  |  |
Unamortized discount on acquired loans |  | (1,766) |  |  | (3,600) |  |  |
Allowance for loan losses |  | (17,939) |  |  | (16,913) |  |  |
Loans receivable, net |  | $ | 1,393,845 |  |  | $ | 1,294,050 |  |  |
Schedule of Loans by Risk Rating | Below is a breakdown of loans by risk rating as of December 31, 2022:
|  | 1 to 5 |  | 6 |  | 7 |  | 8 |  | 9 |  | TOTAL
Originated Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 628,999 |  |  | $ | 5,771 |  |  | $ | 6,046 |  |  | $ | — |  |  | $ | — |  |  | $ | 640,816 |
Agricultural real estate |  | 67,248 |  |  | 549 |  |  | 1,634 |  |  | — |  |  | — |  |  | 69,431 |
Multi-family real estate |  | 205,601 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 205,601 |
Construction and land development |  | 101,681 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 101,681 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 120,882 |  |  | 5,526 |  |  | 707 |  |  | — |  |  | — |  |  | 127,115 |
Agricultural operating |  | 20,896 |  |  | 324 |  |  | 1,904 |  |  | — |  |  | — |  |  | 23,124 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 82,236 |  |  | — |  |  | 2,547 |  |  | — |  |  | — |  |  | 84,783 |
Purchased HELOC loans |  | 3,262 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,262 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 10,190 |  |  | — |  |  | 46 |  |  | — |  |  | — |  |  | 10,236 |
Other Consumer |  | 6,878 |  |  | — |  |  | 16 |  |  | — |  |  | — |  |  | 6,894 |
Total originated loans before SBA PPP loans |  | 1,247,873 |  |  | 12,170 |  |  | 12,900 |  |  | — |  |  | — |  |  | 1,272,943 |
SBA PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total originated loans |  | $ | 1,247,873 |  |  | $ | 12,170 |  |  | $ | 12,900 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,272,943 |
Acquired Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 83,659 |  |  | $ | — |  |  | $ | 1,496 |  |  | $ | — |  |  | $ | — |  |  | $ | 85,155 |
Agricultural real estate |  | 16,967 |  |  | — |  |  | 1,510 |  |  | — |  |  | — |  |  | 18,477 |
Multi-family real estate |  | 3,307 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,307 |
Construction and land development |  | 704 |  |  | — |  |  | 107 |  |  | — |  |  | — |  |  | 811 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 8,866 |  |  | — |  |  | 32 |  |  | — |  |  | — |  |  | 8,898 |
Agricultural operating |  | 5,522 |  |  | — |  |  | 160 |  |  | — |  |  | — |  |  | 5,682 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 19,494 |  |  | — |  |  | 1,112 |  |  | — |  |  | — |  |  | 20,606 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Other Consumer |  | 254 |  |  | — |  |  | 2 |  |  | — |  |  | — |  |  | 256 |
Total acquired loans |  | $ | 138,773 |  |  | $ | — |  |  | $ | 4,419 |  |  | $ | — |  |  | $ | — |  |  | $ | 143,192 |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 712,658 |  |  | $ | 5,771 |  |  | $ | 7,542 |  |  | $ | — |  |  | $ | — |  |  | $ | 725,971 |
Agricultural real estate |  | 84,215 |  |  | 549 |  |  | 3,144 |  |  | — |  |  | — |  |  | 87,908 |
Multi-family real estate |  | 208,908 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 208,908 |
Construction and land development |  | 102,385 |  |  | — |  |  | 107 |  |  | — |  |  | — |  |  | 102,492 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 129,748 |  |  | 5,526 |  |  | 739 |  |  | — |  |  | — |  |  | 136,013 |
Agricultural operating |  | 26,418 |  |  | 324 |  |  | 2,064 |  |  | — |  |  | — |  |  | 28,806 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 101,730 |  |  | — |  |  | 3,659 |  |  | — |  |  | — |  |  | 105,389 |
Purchased HELOC loans |  | 3,262 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,262 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 10,190 |  |  | — |  |  | 46 |  |  | — |  |  | — |  |  | 10,236 |
Other Consumer |  | 7,132 |  |  | — |  |  | 18 |  |  | — |  |  | — |  |  | 7,150 |
Gross loans before SBA PPP loans |  | $ | 1,386,646 |  |  | $ | 12,170 |  |  | $ | 17,319 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,416,135 |
SBA PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Gross loans |  | $ | 1,386,646 |  |  | $ | 12,170 |  |  | $ | 17,319 |  |  | $ | — |  |  | $ | — |  |  | 1,416,135 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Unearned net deferred fees and costs and loans in process |  |  |  |  |  |  |  |  |  |  |  | (2,585) |
Unamortized discount on acquired loans |  |  |  |  |  |  |  |  |  |  |  | (1,766) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  | (17,939) |
Loans receivable, net |  |  |  |  |  |  |  |  |  |  |  | $ | 1,393,845 |
Below is a breakdown of loans by risk rating as of December 31, 2021:
|  | 1 to 5 |  | 6 |  | 7 |  | 8 |  | 9 |  | TOTAL
Originated Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 572,724 |  |  | $ | 667 |  |  | $ | 5,004 |  |  | $ | — |  |  | $ | — |  |  | $ | 578,395 |
Agricultural real estate |  | 50,834 |  |  | 1,267 |  |  | 271 |  |  | — |  |  | — |  |  | 52,372 |
Multi-family real estate |  | 173,760 |  |  | 290 |  |  | — |  |  | — |  |  | — |  |  | 174,050 |
Construction and land development |  | 75,146 |  |  | — |  |  | 3,467 |  |  | — |  |  | — |  |  | 78,613 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 107,798 |  |  | 57 |  |  | 82 |  |  | — |  |  | — |  |  | 107,937 |
Agricultural operating |  | 23,935 |  |  | 764 |  |  | 1,503 |  |  | — |  |  | — |  |  | 26,202 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 60,754 |  |  | — |  |  | 3,101 |  |  | — |  |  | — |  |  | 63,855 |
Purchased HELOC loans |  | 3,706 |  |  | — |  |  | 165 |  |  | — |  |  | — |  |  | 3,871 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 15,818 |  |  | — |  |  | 153 |  |  | — |  |  | — |  |  | 15,971 |
Other Consumer |  | 8,404 |  |  | — |  |  | 69 |  |  | — |  |  | — |  |  | 8,473 |
Total originated loans before SBA PPP loans |  | 1,092,879 |  |  | 3,045 |  |  | 13,815 |  |  | — |  |  | — |  |  | 1,109,739 |
SBA PPP loans |  | 8,755 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,755 |
Total originated loans |  | $ | 1,101,634 |  |  | $ | 3,045 |  |  | $ | 13,815 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,118,494 |
Acquired Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 116,839 |  |  | $ | 1,314 |  |  | $ | 1,917 |  |  | $ | — |  |  | $ | — |  |  | $ | 120,070 |
Agricultural real estate |  | 21,051 |  |  | — |  |  | 5,072 |  |  | — |  |  | — |  |  | 26,123 |
Multi-family real estate |  | 4,299 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,299 |
Construction and land development |  | 735 |  |  | 172 |  |  | — |  |  | — |  |  | — |  |  | 907 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 13,931 |  |  | 5 |  |  | 294 |  |  | — |  |  | — |  |  | 14,230 |
Agricultural operating |  | 4,936 |  |  | — |  |  | 450 |  |  | — |  |  | — |  |  | 5,386 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 25,869 |  |  | — |  |  | 1,266 |  |  | — |  |  | — |  |  | 27,135 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Other Consumer |  | 398 |  |  | — |  |  | 3 |  |  | — |  |  | — |  |  | 401 |
Total acquired loans |  | $ | 188,058 |  |  | $ | 1,491 |  |  | $ | 9,002 |  |  | $ | — |  |  | $ | — |  |  | $ | 198,551 |
Total Loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 689,563 |  |  | $ | 1,981 |  |  | $ | 6,921 |  |  | $ | — |  |  | $ | — |  |  | $ | 698,465 |
Agricultural real estate |  | 71,885 |  |  | 1,267 |  |  | 5,343 |  |  | — |  |  | — |  |  | 78,495 |
Multi-family real estate |  | 178,059 |  |  | 290 |  |  | — |  |  | — |  |  | — |  |  | 178,349 |
Construction and land development |  | 75,881 |  |  | 172 |  |  | 3,467 |  |  | — |  |  | — |  |  | 79,520 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 121,729 |  |  | 62 |  |  | 376 |  |  | — |  |  | — |  |  | 122,167 |
Agricultural operating |  | 28,871 |  |  | 764 |  |  | 1,953 |  |  | — |  |  | — |  |  | 31,588 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage |  | 86,623 |  |  | — |  |  | 4,367 |  |  | — |  |  | — |  |  | 90,990 |
Purchased HELOC loans |  | 3,706 |  |  | — |  |  | 165 |  |  | — |  |  | — |  |  | 3,871 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper |  | 15,818 |  |  | — |  |  | 153 |  |  | — |  |  | — |  |  | 15,971 |
Other Consumer |  | 8,802 |  |  | — |  |  | 72 |  |  | — |  |  | — |  |  | 8,874 |
Gross loans before SBA PPP loans |  | $ | 1,280,937 |  |  | $ | 4,536 |  |  | $ | 22,817 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,308,290 |
SBA PPP loans |  | 8,755 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,755 |
Gross loans |  | $ | 1,289,692 |  |  | $ | 4,536 |  |  | $ | 22,817 |  |  | $ | — |  |  | $ | — |  |  | 1,317,045 |
Less: |  |  |  |  |  |  |  |  |  |  |  |
Unearned net deferred fees and costs and loans in process |  |  |  |  |  |  |  |  |  |  |  | (2,482) |
Unamortized discount on acquired loans |  |  |  |  |  |  |  |  |  |  |  | (3,600) |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  | (16,913) |
Loans receivable, net |  |  |  |  |  |  |  |  |  |  |  | $ | 1,294,050 |
Schedule of Changes in Loans | A summary of the changes in those loans is as follows:
|  | Twelve months ended |  | Twelve months ended |  |
|  | December 31, 2022 |  | December 31, 2021 |  |
Balance—beginning of period |  | $ | 32,423 |  |  | $ | 26,483 |  |  |
New loan originations |  | 7,994 |  |  | 14,992 |  |  |
Repayments |  | (2,007) |  |  | (9,052) |  |  |
Balance—end of period |  | $ | 38,410 |  |  | $ | 32,423 |  |  |
Available and unused lines of credit |  | $ | — |  |  | $ | 75 |  |  |
Schedule of Changes in Specific Component on Impaired Loans and General Component for Non-Impaired Loans | Changes in the ALL by loan type for the periods presented below were as follows:
| Commercial/Agricultural Real Estate |  | C&I/Agricultural operating |  | Residential Mortgage |  | Consumer Installment |  | Unallocated |  | Total
Twelve months ended December 31, 2022: |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2022 | $ | 12,354 |  |  | $ | 1,959 |  |  | $ | 518 |  |  | $ | 225 |  |  | $ | 774 |  |  | $ | 15,830 |
Charge-offs | (157) |  |  | (310) |  |  | (35) |  |  | (45) |  |  | — |  |  | (547) |
Recoveries | 74 |  |  | 35 |  |  | 2 |  |  | 50 |  |  | — |  |  | 161 |
Provision | 1,280 |  |  | 571 |  |  | 89 |  |  | (109) |  |  | 34 |  |  | 1,865 |
Total Allowance on originated loans | 13,551 |  |  | 2,255 |  |  | 574 |  |  | 121 |  |  | 808 |  |  | 17,309 |
Other acquired loans: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2022 | 856 |  |  | 69 |  |  | 130 |  |  | 28 |  |  | — |  |  | 1,083 |
Charge-offs | (48) |  |  | (36) |  |  | (33) |  |  | (3) |  |  | — |  |  | (120) |
Recoveries | 28 |  |  | 1 |  |  | 27 |  |  | 1 |  |  | — |  |  | 57 |
Provision | (302) |  |  | 29 |  |  | (99) |  |  | (18) |  |  | — |  |  | (390) |
Total allowance on other acquired loans | 534 |  |  | 63 |  |  | 25 |  |  | 8 |  |  | — |  |  | 630 |
Total allowance on acquired loans | 534 |  |  | 63 |  |  | 25 |  |  | 8 |  |  | — |  |  | 630 |
Ending Balance, December 31, 2022 | $ | 14,085 |  |  | $ | 2,318 |  |  | $ | 599 |  |  | $ | 129 |  |  | $ | 808 |  |  | $ | 17,939 |
Allowance for Loan Losses at December 31, 2022: |  |  |  |  |  |  |  |  |  |  |
Amount of allowance for loan losses arising from loans individually evaluated for impairment | $ | 519 |  |  | $ | 249 |  |  | $ | 48 |  |  | $ | 10 |  |  | $ | — |  |  | $ | 826 |
Amount of allowance for loan losses arising from loans collectively evaluated for impairment | $ | 13,566 |  |  | $ | 2,069 |  |  | $ | 551 |  |  | $ | 119 |  |  | $ | 808 |  |  | $ | 17,113 |
Loans Receivable as of December 31, 2022: |  |  |  |  |  |  |  |  |  |  |
Ending balance of originated loans | $ | 1,017,529 |  |  | $ | 150,239 |  |  | $ | 88,045 |  |  | $ | 17,130 |  |  | $ | — |  |  | $ | 1,272,943 |
Ending balance of purchased credit-impaired loans | 5,748 |  |  | 362 |  |  | 890 |  |  | — |  |  | — |  |  | 7,000 |
Ending balance of other acquired loans | 102,002 |  |  | 14,218 |  |  | 19,716 |  |  | 256 |  |  | — |  |  | 136,192 |
Ending balance of loans | $ | 1,125,279 |  |  | $ | 164,819 |  |  | $ | 108,651 |  |  | $ | 17,386 |  |  | $ | — |  |  | $ | 1,416,135 |
Ending balance: individually evaluated for impairment | $ | 16,874 |  |  | $ | 3,292 |  |  | $ | 5,998 |  |  | $ | 755 |  |  | $ | — |  |  | $ | 26,919 |
Ending balance: collectively evaluated for impairment | $ | 1,108,405 |  |  | $ | 161,527 |  |  | $ | 102,653 |  |  | $ | 16,631 |  |  | $ | — |  |  | $ | 1,389,216 |
| Commercial/Agricultural Real Estate |  | C&I/Agricultural operating |  | Residential Mortgage |  | Consumer Installment |  | Unallocated |  | Total
Twelve months ended December 31, 2021: |  |  |  |  |  |  |  |  |  |  |
Allowance for Loan Losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2021 | $ | 10,271 |  |  | $ | 2,112 |  |  | $ | 1,041 |  |  | $ | 489 |  |  | $ | 906 |  |  | $ | 14,819 |
Charge-offs | (51) |  |  | — |  |  | — |  |  | (54) |  |  | — |  |  | (105) |
Recoveries | 14 |  |  | 110 |  |  | 9 |  |  | 41 |  |  | — |  |  | 174 |
Provision | 2,120 |  |  | (263) |  |  | (532) |  |  | (251) |  |  | (132) |  |  | 942 |
Total Allowance on originated loans | 12,354 |  |  | 1,959 |  |  | 518 |  |  | 225 |  |  | 774 |  |  | 15,830 |
Other acquired loans: |  |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2021 | 1,684 |  |  | 141 |  |  | 335 |  |  | 64 |  |  | — |  |  | 2,224 |
Charge-offs | (200) |  |  | (7) |  |  | — |  |  | (27) |  |  | — |  |  | (234) |
Recoveries | 14 |  |  | 13 |  |  | 4 |  |  | 4 |  |  | — |  |  | 35 |
Provision | (642) |  |  | (78) |  |  | (209) |  |  | (13) |  |  | — |  |  | (942) |
Total Allowance on other acquired loans | 856 |  |  | 69 |  |  | 130 |  |  | 28 |  |  | — |  |  | 1,083 |
Total Allowance on acquired loans | 856 |  |  | 69 |  |  | 130 |  |  | 28 |  |  | — |  |  | 1,083 |
Ending balance, December 31, 2021 | $ | 13,210 |  |  | $ | 2,028 |  |  | $ | 648 |  |  | $ | 253 |  |  | $ | 774 |  |  | $ | 16,913 |
Allowance for Loan Losses at December 31, 2021: |  |  |  |  |  |  |  |  |  |  |
Amount of allowance for loan losses arising from loans individually evaluated for impairment | $ | 797 |  |  | $ | 99 |  |  | $ | 113 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,009 |
Amount of allowance for loan losses arising from loans collectively evaluated for impairment | $ | 12,413 |  |  | $ | 1,929 |  |  | $ | 535 |  |  | $ | 253 |  |  | $ | 774 |  |  | $ | 15,904 |
Loans Receivable as of December 31, 2021: |  |  |  |  |  |  |  |  |  |  |
Ending balance of originated loans | $ | 883,430 |  |  | $ | 142,894 |  |  | $ | 67,726 |  |  | $ | 24,444 |  |  | $ | — |  |  | $ | 1,118,494 |
Ending balance of purchased credit-impaired loans | 9,060 |  |  | 1,101 |  |  | 1,044 |  |  | — |  |  | — |  |  | 11,205 |
Ending balance of other acquired loans | 142,339 |  |  | 18,515 |  |  | 26,091 |  |  | 401 |  |  | — |  |  | 187,346 |
Ending balance of loans | $ | 1,034,829 |  |  | $ | 162,510 |  |  | $ | 94,861 |  |  | $ | 24,845 |  |  | $ | — |  |  | $ | 1,317,045 |
Ending balance: individually evaluated for impairment | $ | 21,792 |  |  | $ | 3,337 |  |  | $ | 7,007 |  |  | $ | 257 |  |  | $ | — |  |  | $ | 32,393 |
Ending balance: collectively evaluated for impairment | $ | 1,013,037 |  |  | $ | 159,173 |  |  | $ | 87,854 |  |  | $ | 24,588 |  |  | $ | — |  |  | $ | 1,284,652 |
Schedule of Loans Receivable | Loans receivable by loan type as of the end of the periods shown below were as follows:
| Commercial/Agricultural Real Estate Loans |  | C&I/Agricultural operating |  | Residential Mortgage |  | Consumer Installment |  | Totals
| Dec 31, |  | Dec 31, |  |  |  | Dec 31, |  | Dec 31, |  |  |  | Dec 31, |  | Dec 31, |  |  |  | Dec 31, |  | Dec 31, |  |  |  | Dec 31, |  | Dec 31, |  |
| 2022 |  | 2021 |  |  |  | 2022 |  | 2021 |  |  |  | 2022 |  | 2021 |  |  |  | 2022 |  | 2021 |  |  |  | 2022 |  | 2021 |  |
Performing loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing TDR loans | $ | 1,336 |  |  | $ | 4,618 |  |  |  |  | $ | 960 |  |  | $ | 649 |  |  |  |  | $ | 2,875 |  |  | $ | 2,681 |  |  |  |  | $ | — |  |  | $ | 36 |  |  |  |  | $ | 5,171 |  |  | $ | 7,984 |  |  |
Performing loans other | 1,115,465 |  |  | 1,021,346 |  |  |  |  | 162,417 |  |  | 160,570 |  |  |  |  | 104,287 |  |  | 90,591 |  |  |  |  | 17,345 |  |  | 24,729 |  |  |  |  | 1,399,514 |  |  | 1,297,236 |  |  |
Total performing loans | 1,116,801 |  |  | 1,025,964 |  |  |  |  | 163,377 |  |  | 161,219 |  |  |  |  | 107,162 |  |  | 93,272 |  |  |  |  | 17,345 |  |  | 24,765 |  |  |  |  | 1,404,685 |  |  | 1,305,220 |  |  |
Nonperforming loans (1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nonperforming TDR loans | 1,878 |  |  | 3,389 |  |  |  |  | 391 |  |  | 554 |  |  |  |  | 348 |  |  | 593 |  |  |  |  | — |  |  | 3 |  |  |  |  | 2,617 |  |  | 4,539 |  |  |
Nonperforming loans other | 6,600 |  |  | 5,476 |  |  |  |  | 1,051 |  |  | 737 |  |  |  |  | 1,141 |  |  | 996 |  |  |  |  | 41 |  |  | 77 |  |  |  |  | 8,833 |  |  | 7,286 |  |  |
Total nonperforming loans | 8,478 |  |  | 8,865 |  |  |  |  | 1,442 |  |  | 1,291 |  |  |  |  | 1,489 |  |  | 1,589 |  |  |  |  | 41 |  |  | 80 |  |  |  |  | 11,450 |  |  | 11,825 |  |  |
Total loans | $ | 1,125,279 |  |  | $ | 1,034,829 |  |  |  |  | $ | 164,819 |  |  | $ | 162,510 |  |  |  |  | $ | 108,651 |  |  | $ | 94,861 |  |  |  |  | $ | 17,386 |  |  | $ | 24,845 |  |  |  |  | $ | 1,416,135 |  |  | $ | 1,317,045 |  |  |
(1)Nonperforming loans are either 90+ days past due or nonaccrual.
Schedule of Aging Analysis of Bank Real Estate and Consumer Loans | An aging analysis of the Company’s commercial/agricultural real estate and non-real estate, consumer real estate and non-real estate and purchased third party loans as of December 31, 2022 and 2021, 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 Accruing |  | Nonaccrual Loans |  |  |  | Total Past Due Accruing and Nonaccrual Loans |  | Current |  | Total Loans
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 202 |  |  | $ | 88 |  |  | $ | — |  |  | $ | 290 |  |  | $ | 5,736 |  |  |  |  | $ | 6,026 |  |  | $ | 719,945 |  |  | $ | 725,971 |
Agricultural real estate | 4,992 |  |  | — |  |  | — |  |  | 4,992 |  |  | 2,742 |  |  |  |  | 7,734 |  |  | 80,174 |  |  | 87,908 |
Multi-family real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | 208,908 |  |  | 208,908 |
Construction and land development | 3,975 |  |  | — |  |  | — |  |  | 3,975 |  |  | — |  |  |  |  | 3,975 |  |  | 98,517 |  |  | 102,492 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | 26 |  |  | — |  |  | 26 |  |  | 552 |  |  |  |  | 578 |  |  | 135,435 |  |  | 136,013 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | — |  |  | — |
Agricultural operating | 826 |  |  | — |  |  | — |  |  | 826 |  |  | 890 |  |  |  |  | 1,716 |  |  | 27,090 |  |  | 28,806 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 767 |  |  | 479 |  |  | 236 |  |  | 1,482 |  |  | 1,253 |  |  |  |  | 2,735 |  |  | 102,654 |  |  | 105,389 |
Purchased HELOC loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | 3,262 |  |  | 3,262 |
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper | 15 |  |  | — |  |  | — |  |  | 15 |  |  | 27 |  |  |  |  | 42 |  |  | 10,194 |  |  | 10,236 |
Other Consumer | 39 |  |  | 2 |  |  | 10 |  |  | 51 |  |  | 4 |  |  |  |  | 55 |  |  | 7,095 |  |  | 7,150 |
Total | $ | 10,816 |  |  | $ | 595 |  |  | $ | 246 |  |  | $ | 11,657 |  |  | $ | 11,204 |  |  |  |  | $ | 22,861 |  |  | $ | 1,393,274 |  |  | $ | 1,416,135 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate | $ | 36 |  |  | $ | — |  |  | $ | — |  |  | $ | 36 |  |  | $ | 5,374 |  |  |  |  | $ | 5,410 |  |  | $ | 693,055 |  |  | $ | 698,465 |
Agricultural real estate | 498 |  |  | 4 |  |  | — |  |  | 502 |  |  | 3,490 |  |  |  |  | 3,992 |  |  | 74,503 |  |  | 78,495 |
Multi-family real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | 178,349 |  |  | 178,349 |
Construction and land development | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | 79,520 |  |  | 79,520 |
C&I/Agricultural operating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | 32 |  |  | — |  |  | 32 |  |  | 298 |  |  |  |  | 330 |  |  | 121,837 |  |  | 122,167 |
SBA PPP loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |  |  | — |  |  | 8,755 |  | 8,755 |
Agricultural operating | 1,123 |  |  | — |  |  | — |  |  | 1,123 |  |  | 993 |  |  |  |  | 2,116 |  |  | 29,472 |  | 31,588 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 1,471 |  |  | 487 |  |  | 156 |  |  | 2,114 |  |  | 1,268 |  |  |  |  | 3,382 |  |  | 87,608 |  | 90,990
Purchased HELOC loans | 117 |  |  | — |  |  | — |  |  | 117 |  |  | 165 |  |  |  |  | 282 |  |  | 3,589 |  | 3,871
Consumer installment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated indirect paper | 38 |  |  | 27 |  |  | — |  |  | 65 |  |  | 55 |  |  |  |  | 120 |  |  | 15,851 |  | 15,971
Other Consumer | 58 |  |  | 10 |  |  | 4 |  |  | 72 |  |  | 22 |  |  |  |  | 94 |  |  | 8,780 |  | 8,874
Total | $ | 3,341 |  |  | $ | 560 |  |  | $ | 160 |  |  | $ | 4,061 |  |  | $ | 11,665 |  |  |  |  | $ | 15,726 |  |  | $ | 1,301,319 |  |  | $ | 1,317,045 |
Schedule of Bank Impaired Loans | A summary of loans evaluated for impairment as of December 31, 2022 was as follows:
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
December 31, 2022 |  |  |  |  |  |  |  |  |
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | $ | 9,741 |  |  | $ | 9,766 |  |  | $ | — |  |  | $ | 13,657 |  |  | $ | 549 |
C&I/Agricultural operating | 2,744 |  |  | 2,754 |  |  | — |  |  | 4,467 |  |  | 200 |
Residential mortgage | 5,846 |  |  | 5,907 |  |  | — |  |  | 6,304 |  |  | 276 |
Consumer installment | 745 |  |  | 745 |  |  | — |  |  | 307 |  |  | 5 |
Total | $ | 19,076 |  |  | $ | 19,172 |  |  | $ | — |  |  | $ | 24,735 |  |  | $ | 1,030 |
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | $ | 7,108 |  |  | $ | 7,108 |  |  | $ | 519 |  |  | $ | 6,028 |  |  | $ | 273 |
C&I/Agricultural operating | 538 |  |  | 538 |  |  | 249 |  |  | 273 |  |  | 48 |
Residential mortgage | 91 |  |  | 91 |  |  | 48 |  |  | 298 |  |  | 65 |
Consumer installment | 10 |  |  | 10 |  |  | 10 |  |  | 2 |  |  | 2 |
Total | $ | 7,747 |  |  | $ | 7,747 |  |  | $ | 826 |  |  | $ | 6,601 |  |  | $ | 388 |
December 31, 2022 Totals |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | $ | 16,849 |  |  | $ | 16,874 |  |  | $ | 519 |  |  | $ | 19,685 |  |  | $ | 822 |
C&I/Agricultural operating | 3,282 |  |  | 3,292 |  |  | 249 |  |  | 4,741 |  |  | 248 |
Residential mortgage | 5,937 |  |  | 5,998 |  |  | 48 |  |  | 6,603 |  |  | 341 |
Consumer installment | 755 |  |  | 755 |  |  | 10 |  |  | 310 |  |  | 7 |
Total | $ | 26,823 |  |  | $ | 26,919 |  |  | $ | 826 |  |  | $ | 31,336 |  |  | $ | 1,418 |
A summary of loans evaluated for impairment as of December 31, 2021 was as follows:
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
December 31, 2021 |  |  |  |  |  |  |  |  |
With No Related Allowance Recorded: |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | $ | 15,521 |  |  | $ | 15,905 |  |  | $ | — |  |  | $ | 19,412 |  |  | $ | 964 |
C&I/Agricultural operating | 3,153 |  |  | 3,337 |  |  | — |  |  | 4,622 |  |  | 146 |
Residential mortgage | 6,221 |  |  | 6,306 |  |  | — |  |  | 7,316 |  |  | 316 |
Consumer installment | 256 |  |  | 256 |  |  | — |  |  | 306 |  |  | 85 |
Total | $ | 25,151 |  |  | $ | 25,804 |  |  | $ | — |  |  | $ | 31,656 |  |  | $ | 1,511 |
With An Allowance Recorded: |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | $ | 5,887 |  |  | $ | 5,887 |  |  | $ | 797 |  |  | $ | 4,089 |  |  | $ | 62 |
C&I/Agricultural operating | — |  |  | — |  |  | 99 |  |  | 391 |  |  | 84 |
Residential mortgage | 701 |  |  | 701 |  |  | 113 |  |  | 890 |  |  | 17 |
Consumer installment | 1 |  |  | 1 |  |  | — |  |  | 2 |  |  | — |
Total | $ | 6,589 |  |  | $ | 6,589 |  |  | $ | 1,009 |  |  | $ | 5,372 |  |  | $ | 163 |
December 31, 2021 Totals |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | $ | 21,408 |  |  | $ | 21,792 |  |  | $ | 797 |  |  | $ | 23,501 |  |  | $ | 1,026 |
C&I/Agricultural operating | 3,153 |  |  | 3,337 |  |  | 99 |  |  | 5,013 |  |  | 230 |
Residential mortgage | 6,922 |  |  | 7,007 |  |  | 113 |  |  | 8,206 |  |  | 333 |
Consumer installment | 257 |  |  | 257 |  |  | — |  |  | 308 |  |  | 85 |
Total | $ | 31,740 |  |  | $ | 32,393 |  |  | $ | 1,009 |  |  | $ | 37,028 |  |  | $ | 1,674 |
Schedule of Troubled Debt Restructuring, Loans by Accrual Status | Following is a summary of TDR loans by accrual status as of December 31, 2022 and December 31, 2021.
|  | December 31 |  | December 31 |  |
|  | 2022 |  | 2021 |  |
Troubled debt restructure loans: |  |  |  |  |  |
Accrual status |  | $ | 5,171 |  |  | $ | 7,984 |  |  |
Non-accrual status |  | 2,617 |  |  | 4,539 |  |  |
Total |  | $ | 7,788 |  |  | $ | 12,523 |  |  |
Schedule of Troubled Debt Restructuring | The following provides detail, including specific reserve and reasons for modification, related to loans identified as TDRs during the years ended December 31, 2022 and December 31, 2021:
|  | Number of Contracts |  | Modified Rate |  | Modified Payment |  | Modified Under- writing |  | Other |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserve
Twelve months ended December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate |  | 7 |  |  | $ | 1,241 |  |  | $ | — |  |  | $ | 1,964 |  |  | $ | — |  |  | $ | 3,205 |  |  | $ | 3,205 |  |  | $ | — |
C&I/Agricultural operating |  | 5 |  |  | 1,424 |  |  | — |  |  | 736 |  |  | — |  |  | 2,160 |  |  | 2,160 |  |  | — |
Residential mortgage |  | 11 |  |  | 116 |  |  | 147 |  |  | 507 |  |  | — |  |  | 770 |  |  | 770 |  |  | — |
Consumer installment |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Totals |  | 23 |  |  | $ | 2,781 |  |  | $ | 147 |  |  | $ | 3,207 |  |  | $ | — |  |  | $ | 6,135 |  |  | $ | 6,135 |  |  | $ | — |
|  | Number of Contracts |  | Modified Rate |  | Modified Payment |  | Modified Under- writing |  | Other |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserve
Twelve months ended December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate |  | 3 |  |  | $ | 39 |  |  | $ | 81 |  |  | $ | — |  |  | $ | — |  |  | $ | 120 |  |  | $ | 120 |  |  | $ | — |
C&I/Agricultural operating |  | 1 |  |  | — |  |  | — |  |  | 240 |  |  | — |  |  | 240 |  |  | 240 |  |  | — |
Residential mortgage |  | 8 |  |  | 252 |  |  | 295 |  |  | 202 |  |  | — |  |  | 749 |  |  | 749 |  |  | — |
Consumer installment |  | 3 |  |  | 6 |  |  | — |  |  | 18 |  |  | — |  |  | 24 |  |  | 24 |  |  | — |
Totals |  | 15 |  |  | $ | 297 |  |  | $ | 376 |  |  | $ | 460 |  |  | $ | — |  |  | $ | 1,133 |  |  | $ | 1,133 |  |  | $ | — |
Schedule of Loans by Loan Class Modified in Troubled Debt Restructuring | A summary of loans by loan class modified in a troubled debt restructuring as of December 31, 2022 and December 31, 2021:
|  | December 31, 2022 |  | December 31, 2021 |  |
|  | Number of Modifications |  | Recorded Investment |  | Number of Modifications |  | Recorded Investment |  |  |  |
Troubled debt restructurings: |  |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate |  | 14 |  |  | $ | 3,214 |  |  | 19 |  |  | $ | 8,007 |  |  |  |  |
C&I/Agricultural operating |  | 8 |  |  | 1,351 |  |  | 7 |  |  | 1,203 |  |  |  |  |
Residential mortgage |  | 45 |  |  | 3,223 |  |  | 43 |  |  | 3,274 |  |  |  |  |
Consumer installment |  | — |  |  | — |  |  | 7 |  |  | 39 |  |  |  |  |
Total loans |  | 67 |  |  | $ | 7,788 |  |  | 76 |  |  | $ | 12,523 |  |  |  |  |
Schedule of Restructured Loans in Default | The following table provides the number of loans modified in a TDR during the previous twelve months which subsequently defaulted during the years ended December 31, 2022 and December 31, 2021, as well as the recorded investment in these restructured loans as of December 31, 2022 and December 31, 2021:
| December 31, 2022 |  | December 31, 2021 |  |
| Number of Modifications |  | Recorded Investment |  | Number of Modifications |  | Recorded Investment |  |  |  |
Troubled debt restructurings: |  |  |  |  |  |  |  |  |  |  |
Commercial/Agricultural real estate | — |  |  | $ | — |  |  | — |  |  | $ | — |  |  |  |  |
C&I/Agricultural operating | 1 |  |  | 231 |  |  | — |  |  | — |  |  |  |  |
Residential mortgage | 2 |  |  | 40 |  |  | — |  |  | — |  |  |  |  |
Consumer installment | — |  |  | — |  |  | 1 |  |  | 3 |  |  |  |  |
Total troubled debt restructurings | 3 |  |  | $ | 271 |  |  | 1 |  |  | $ | 3 |  |  |  |  |
Schedule of Acquired Loans | The outstanding balance and the carrying amount of acquired loans included in the consolidated balance sheet are as follows:
| December 31, 2022 |  | December 31, 2021
Accountable for under ASC 310-30 (PCI loans) |  |  |
Outstanding balance | $ | 7,000 |  |  | $ | 11,205 |
Carrying amount | $ | 6,904 |  |  | $ | 10,552 |
Accountable for under ASC 310-20 (non-PCI loans) |  |  |
Outstanding balance | $ | 136,192 |  |  | $ | 187,346 |
Carrying amount | $ | 134,522 |  |  | $ | 184,399 |
Total acquired loans |  |  |
Outstanding balance | $ | 143,192 |  |  | $ | 198,551 |
Carrying amount | $ | 141,426 |  |  | $ | 194,951 |
Schedule of Accelerate Accretion and Lower Future Years Accretion | The table below shows scheduled accretion by year for the accretable difference recognized due to fair value purchase accounting on recent whole bank acquisitions. In addition, the table below includes $1,165 of accretable discount from purchased impaired loans with the original non-accretable discount transferred to accretable discount. The accretion on this balance is scheduled to be approximately $80 in 2023; however, large balance payoffs, as seen in 2022, 2021 and 2020, would accelerate this accretion and lower future years accretion.
Fiscal years ending December 31, |  | Purchase Accounting Accretable Discount |  |  |  |
2023 |  | $ | 363 |  |  |  |  |
2024 |  | 215 |  |  |  |  |
2025 |  | 180 |  |  |  |  |
2026 |  | 84 |  |  |  |  |
2027 |  | 77 |  |  |  |  |
Thereafter |  | 751 |  |  |  |  |
Total |  | $ | 1,670 |  |  |  |  |
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:
| December 31, 2022 |  | December 31, 2021
Balance at beginning of period | $ | 653 |  |  | $ | 1,087 |
Additions to non-accretable difference for acquired purchased credit impaired loans | — |  |  | — |
Non-accretable difference realized as interest from payoffs of purchased credit impaired loans | (239) |  |  | (105) |
Transfers from non-accretable difference to accretable discount | (126) |  |  | (329) |
Non-accretable difference transferred to OREO due to loan foreclosure | (192) |  |  | — |
Balance at end of period | $ | 96 |  |  | $ | 653 |

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