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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

3 Months Ended

Mar. 31, 2023

Receivables [Abstract]

Schedule of Loans

A summary of loans at March 31, 2023 follows:

			March 31, 2023
						Amortized Cost						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	724,685					51.0		%
Agricultural real estate						90,706						6.4		%
Multi-family real estate						207,686						14.6		%
Construction and land development						114,288						8.0		%
C&I/Agricultural operating:
Commercial and industrial						130,417						9.2		%
Agricultural operating						24,168						1.7		%
Residential mortgage:
Residential mortgage						109,759						7.7		%
Purchased HELOC loans						3,206						0.2		%
Consumer installment:
Originated indirect paper						9,313						0.7		%
Other consumer						6,727						0.5		%
Total loans receivable						$	1,420,955					100		%
Less Allowance for credit losses						(22,679)
Net loans receivable						$	1,398,276

Loans are stated at the unpaid principal balance outstanding at December 31, 2022.

						December 31, 2022
						Loan Principal Balance						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	725,971					51.5		%
Agricultural real estate						87,908						6.2		%
Multi-family real estate						208,908						14.8		%
Construction and land development						102,492						7.3		%
C&I/Agricultural operating:
Commercial and industrial						136,013						9.6		%
Agricultural operating						28,806						2.0		%
Residential mortgage:
Residential mortgage						105,389						7.5		%
Purchased HELOC loans						3,262						0.2		%
Consumer installment:
Originated indirect paper						10,236						0.7		%
Other consumer						7,150						0.5		%
Gross Loans						$	1,416,135					100.3		%
Less:
Unearned net deferred fees and costs and loans in process						(2,585)						(0.2)		%
Unamortized discount on acquired loans						(1,766)						(0.1)		%
Total loans receivable						$	1,411,784					100.0		%
Less Allowance for loan losses						(17,939)
Net loans						$	1,393,845

Schedule of Financing Receivable Credit Quality Indicators

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of March 31, 2023 and gross charge-offs for the three months ended March 31, 2023:

			Amortized Cost Basis by Origination Year
			2023			2022			2021			2020			2019			Prior			Revolving			Revolving to Term			Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5			$	12,394		$	138,884		$	260,942		$	94,027		$	74,434		$	123,651		$	7,419		$	—		$	711,751
Risk rating 6			—			—			—			337			—			5,429			—			—			5,766
Risk rating 7			—			190			534			4,630			284			1,517			13			—			7,168
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	12,394		$	139,074		$	261,476		$	98,994		$	74,718		$	130,597		$	7,432		$	—		$	724,685
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Agricultural real estate
Risk rating 1 to 5			$	10,263		$	24,209		$	17,372		$	8,216		$	5,793		$	19,651		$	1,886		$	—		$	87,390
Risk rating 6			—			—			—			—			—			537			—			—			537
Risk rating 7			—			405			808			3			102			1,461			—			—			2,779
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	10,263		$	24,614		$	18,180		$	8,219		$	5,895		$	21,649		$	1,886		$	—		$	90,706
Current period gross charge-offs			$	—		$	—		$	—		$	32		$	—		$	—		$	—		$	—		$	32
Multi-family real estate
Risk rating 1 to 5			$	1,263		$	41,882		$	88,727		$	47,028		$	8,832		$	19,954		$	—		$	—		$	207,686
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	1,263		$	41,882		$	88,727		$	47,028		$	8,832		$	19,954		$	—		$	—		$	207,686
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	10,551		$	39,920		$	49,670		$	9,022		$	121		$	951		$	3,959		$	—		$	114,194
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			94			—			—			94
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	10,551		$	39,920		$	49,670		$	9,022		$	121		$	1,045		$	3,959		$	—		$	114,288
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	2,852		$	34,888		$	31,344		$	14,152		$	8,607		$	5,567		$	32,509		$	—		$	129,919
Risk rating 6			—			—			—			—			1			—			20			—			21
Risk rating 7			—			—			438			—			1			38			—			—			477
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	2,852		$	34,888		$	31,782		$	14,152		$	8,609		$	5,605		$	32,529		$	—		$	130,417
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Agricultural operating
Risk rating 1 to 5			$	435		$	3,471		$	1,555		$	990		$	714		$	2,685		$	12,124		$	—		$	21,974
Risk rating 6			—			30			—			—			—			132			149			—			311
Risk rating 7			—			521			1,185			—			36			141			—			—			1,883
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	435		$	4,022		$	2,740		$	990		$	750		$	2,958		$	12,273		$	—		$	24,168
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Continued			Amortized Cost Basis by Origination Year
			2023			2022			2021			2020			2019			Prior			Revolving			Revolving to Term			Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5			$	6,982		$	32,697		$	9,458		$	3,065		$	2,531		$	38,069		$	14,087		$	—		$	106,889
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			23			—			14			2,721			57			55			2,870
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	6,982		$	32,697		$	9,481		$	3,065		$	2,545		$	40,790		$	14,144		$	55		$	109,759
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	14		$	—		$	—		$	14
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	3,206		$	—		$	3,206
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	3,206		$	—		$	3,206
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	9,277		$	—		$	—		$	9,277
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			36			—			—			36
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	9,313		$	—		$	—		$	9,313
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Other consumer
Risk rating 1 to 5			$	502		$	2,229		$	1,175		$	884		$	709		$	676		$	536		$	—		$	6,711
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			8			—			—			—			—			6			2			—			16
Risk rating 8			—			—			—			—			—			—			—			—			—
Risk rating 9			—			—			—			—			—			—			—			—			—
Total			$	510		$	2,229		$	1,175		$	884		$	709		$	682		$	538		$	—		$	6,727
Current period gross charge-offs			$	—		$	—		$	—		$	10		$	1		$	—		$	—		$	—		$	11
Total loans receivable			$	45,250		$	319,326		$	463,231		$	182,354		$	102,179		$	232,593		$	75,967		$	55		$	1,420,955
Total current period gross charge-offs			$	—		$	—		$	—		$	42		$	1		$	14		$	—		$	—		$	57

Schedule of Loans by Risk Rating

Below is a summary of the unpaid principal balance of loans summarized by class and credit quality risk rating as of December 31, 2022:

						1 to 5						6						7						8						9						TOTAL
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						$	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

Schedule of Allowance for Credit Losses

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment as of March 31, 2023:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
Three months ended March 31, 2023
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	14,085					$	2,318					$	599					$	129					$	808					$	17,939
Cumulative effect of ASU 2016-13 adoption			4,510						(331)						1,119						216						(808)						4,706
Charge-offs			(32)						—						(14)						(11)						—						(57)
Recoveries			3						15						4						12						—						34
Additions to ACL - Loans via provision for credit losses charged to operations			(70)						(154)						292						(11)						—						57
ACL - Loans, at end of period			$	18,496					$	1,848					$	2,000					$	335					$	—					$	22,679

						March 31, 2023 and Three Months Ended						December 31, 2022 and Three Months Ended
ACL - Unfunded commitments - beginning of period						$	—					$	—
Cumulative effect of ASU 2016-13 adoption						1,537						—
Reductions to ACL - Unfunded commitments via provision for credit losses charged to operations						(7)						—
ACL - Unfunded commitments - End of period						$	1,530					$	—

Schedule of Provision for Credit Losses

The following table presents the components of the provision for credit losses.

						March 31, 2023 and Three Months Ended
Provision for credit losses on:
Loans						$	57
Unfunded commitments						(7)
Total provision for credit losses						$	50

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/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
Three months ended March 31, 2022
Allowance for Loan Losses:
Beginning balance, January 1, 2022			$	12,354					$	1,959					$	518					$	225					$	774					$	15,830
Charge-offs			(35)						(63)						—						(9)						—						(107)
Recoveries			3						10						1						10						—						24
Provision			72						198						(59)						(66)						8						153
Total allowance on originated loans			$	12,394					$	2,104					$	460					$	160					$	782					$	15,900
Purchased credit impaired loans			—						—						—						—						—						—
Other acquired loans
Beginning balance, January 1, 2022			856						69						130						28						—						1,083
Charge-offs			—						—						(12)						—						—						(12)
Recoveries			—						—						—						—						—						—
Provision			(67)						(11)						(56)						(19)						—						(153)
Total allowance on other acquired loans			789						58						62						9						—						918
Total allowance on acquired loans			789						58						62						9						—						918
Ending balance, March 31, 2022			$	13,183					$	2,162					$	522					$	169					$	782					$	16,818
Allowance for Loan Losses at March 31, 2022:
Amount of allowance for loan losses arising from loans individually evaluated for impairment			$	1,280					$	373					$	69					$	—					$	—					$	1,722
Amount of allowance for loan losses arising from loans collectively evaluated for impairment			$	11,903					$	1,789					$	453					$	169					$	782					$	15,096
Loans Receivable as of March 31, 2022
Ending balance of originated loans			$	890,440					$	134,513					$	63,362					$	22,350					$	—					$	1,110,665
Ending balance of purchased credit-impaired loans			8,672						1,023						1,024						—						—						10,719
Ending balance of other acquired loans			133,745						16,314						23,874						349						—						174,282
Ending balance of loans			$	1,032,857					$	151,850					$	88,260					$	22,699					$	—					$	1,295,666
Ending balance: individually evaluated for impairment			$	20,597					$	6,605					$	6,838					$	210					$	—					$	34,250
Ending balance: collectively evaluated for impairment			$	1,012,260					$	145,245					$	81,422					$	22,489					$	—					$	1,261,416

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
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

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, 2023 and December 31, 2022, respectively, was as follows:

(Loan balances at amortized cost)			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, 2023
Commercial/Agricultural real estate:
Commercial real estate			$	684					$	—					$	—					$	684					$	5,514					$	6,198					$	718,487					$	724,685
Agricultural real estate			—						—						—						—						2,496						2,496						88,210						90,706
Multi-family real estate			—						—						—						—						—						—						207,686						207,686
Construction and land development			94						—						—						94						—						94						114,194						114,288
C&I/Agricultural operating:
Commercial and industrial			—						—						—						—						452						452						129,965						130,417
Agricultural operating			15						—						—						15						794						809						23,359						24,168
Residential mortgage:
Residential mortgage			1,313						160						221						1,694						1,131						2,825						106,934						109,759
Purchased HELOC loans			—						—						—						—						—						—						3,206						3,206
Consumer installment:
Originated indirect paper			24						—						—						24						21						45						9,268						9,313
Other consumer			24						2						3						29						2						31						6,696						6,727
Total			$	2,154					$	162					$	224					$	2,540					$	10,410					$	12,950					$	1,408,005					$	1,420,955
(Loan balances at unpaid principal balance)			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
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
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

The following table shows the performance of such loans that have been modified during the three months ended March 31, 2023. No loan modified within the last three months has subsequently defaulted.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	5,359					$	—					$	—					$	—
Commercial and industrial						25						—						—						—
Residential mortgage						38						—						—						—
Other consumer						22						—						—						—
Total						$	5,444					$	—					$	—					$	—

Schedule of Nonaccrual loans

The following table presents the Company’s nonaccrual loans at March 31, 2023 with no allowance for credit losses and interest income that would have been recorded under the original terms of such nonaccrual loans:

March 31, 2023			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses						Interest Income Not Recorded for Nonaccrual loans
Commercial/Agricultural real estate:
Commercial real estate			$	5,514					$	636					$	20
Agricultural real estate			2,496						1,252						69
Multi-family real estate			—						—						—
Construction and land development			—						—						—
C&I/Agricultural operating:
Commercial and industrial			452						15						8
Agricultural operating			794						358						55
Residential mortgage:
Residential mortgage			1,131						825						12
Purchased HELOC loans			—						—						—
Consumer installment:
Originated indirect paper			21						21						1
Other consumer			2						2						—
Total			$	10,410					$	3,109					$	165

Schedule of Collateral Dependent Loans by Portfolio Segment

The following table presents collateral dependent loans by portfolio segment and collateral type, including those loans with and without a related allowance allocation.

			Collateral Type
March 31, 2023			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	7,810					$	—					$	7,810					$	2,864					$	4,946					$	31
Agricultural real estate			2,793						—						2,793						1,551						1,242						418
Multi-family real estate			—						—						—						—						—						—
Construction and land development			94						—						94						94						—						—
C&I/Agricultural operating:
Commercial and industrial			—						478						478						38						440						220
Agricultural operating			—						1,879						1,879						1,444						435						29
Residential mortgage:
Residential mortgage			3,100						—						3,100						2,625						475						97
Purchased HELOC loans			—						—						—						—						—						—
Consumer installment:
Originated indirect paper			—						36						36						—						36						—
Other consumer			—						16						16						16						—						—
Total			$	13,797					$	2,409					$	16,206					$	8,632					$	7,574					$	795

Schedule of Bank Impaired Loans

A summary of the Company’s loans individually evaluated for impairment as of December 31, 2022 and March 31, 2022 was as follows:

																					Twelve Months Ended
			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						4,740						248
Residential mortgage			5,937						5,998						48						6,602						341
Consumer installment			755						755						10						309						7
Total			$	26,823					$	26,919					$	826					$	31,336					$	1,418

																					Three Months Ended
			Recorded Investment						Unpaid Principal Balance						Related Allowance						Average Recorded Investment						Interest Income Recognized
March 31, 2022
With No Related Allowance Recorded:
Commercial/Agricultural real estate			$	13,840					$	14,116					$	—					$	16,626					$	136
C&I/Agricultural operating			6,015						6,167						—						5,319						50
Residential mortgage			6,447						6,528						—						6,882						71
Consumer installment			210						210						—						258						2
Total			$	26,512					$	27,021					$	—					$	29,085					$	259
With An Allowance Recorded:
Commercial/Agricultural real estate			$	6,481					$	6,481					$	1,280					$	5,285					$	11
C&I/Agricultural operating			438						438						373						415						10
Residential mortgage			310						310						69						600						1
Consumer installment			—						—						—						1						—
Total			$	7,229					$	7,229					$	1,722					$	6,301					$	22
March 31, 2022
Commercial/Agricultural real estate			$	20,321					$	20,597					$	1,280					$	21,911					$	147
C&I/Agricultural operating			6,453						6,605						373						5,734						60
Residential mortgage			6,757						6,838						69						7,482						72
Consumer installment			210						210						—						259						2
Total			$	33,741					$	34,250					$	1,722					$	35,386					$	281

Schedule of Loan Modifications

Loan Modifications Made to Borrowers Experiencing Financial Difficulty:

						Term Extension
Loan Class						Amortized Cost Basis at March 31, 2023						% of Total Class of Financing Receivables
Commercial real estate						$	5,359					0.74		%
Commercial and industrial						$	25					0.02		%
Residential mortgage						$	38					0.03		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at  March 31, 2023						% of Total Class of Financing Receivables
Other consumer						$	22					0.33		%

Following is a summary of TDR loans by accrual status as of December 31, 2022.

						December 31, 2022
Troubled debt restructure loans:
Accrual status						$	5,171
Non-accrual status						2,617
Total						$	7,788

The following provides detail, including specific reserve and reasons for modification, related to loans identified as TDRs during the three months ended March 31, 2022:    

						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, 2022
TDRs:
Commercial/Agricultural real estate						4						$	1,241					$	—					$	—					$	—					$	1,241					$	1,241					$	—
C&I/Agricultural operating						1						—						—						150						—						150						150						—
Residential mortgage						4						31						—						507						—						538						538						—
Consumer installment						—						—						—						—						—						—						—						—
Totals						9						$	1,272					$	—					$	657					$	—					$	1,929					$	1,929					$	—

There were no loans modified in a TDR during the previous twelve months which subsequently defaulted during the three months ended March 31, 2022.

Schedule of Financial Effect of the Modified Made to Borrowers Experiencing

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

Term Extension
Loan Class						Financial Effect
Commercial real estate						A weighted average of 6 months was added to the term of the loans
Commercial and industrial						A weighted average of 5 months was added to the term of the loans
Residential mortgage						A weighted average of 17 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Other consumer						Payments were deferred a weighted average of 3 months

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