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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2024

Receivables [Abstract]

Schedule of Loans

A summary of loans at September 30, 2024, and December 31, 2023, follows:

			September 30, 2024															December 31, 2023
						Amortized Cost						% of Total						Amortized Cost						% of Total
Commercial/Agricultural real estate:
Commercial real estate						$	728,447					51.1		%				$	748,447					51.2		%
Agricultural real estate						75,613						5.3		%				83,157						5.7		%
Multi-family real estate						239,065						16.8		%				228,004						15.6		%
Construction and land development						87,381						6.1		%				110,218						7.5		%
C&I/Agricultural operating:
Commercial and industrial						119,514						8.4		%				121,190						8.3		%
Agricultural operating						27,567						1.9		%				25,695						1.8		%
Residential mortgage:
Residential mortgage						134,467						9.5		%				128,479						8.8		%
Purchased HELOC loans						2,932						0.2		%				2,880						0.2		%
Consumer installment:
Originated indirect paper						4,405						0.3		%				6,535						0.4		%
Other consumer						5,437						0.4		%				6,187						0.4		%
Total loans receivable						$	1,424,828					100		%				$	1,460,792					100		%
Less: Allowance for credit losses						(21,000)												(22,908)
Net loans receivable						$	1,403,828											$	1,437,884

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 September 30, 2024, and gross charge-offs for the nine months ended September 30, 2024:

			Amortized Cost Basis by Origination Year
			2024			2023			2022			2021			2020			Prior			Revolving			Revolving to Term			Total
Commercial/Agricultural real estate:
Commercial real estate
Risk rating 1 to 5			$	43,710		$	80,008		$	131,156		$	213,090		$	91,417		$	153,335		$	6,110		$	—		$	718,826
Risk rating 6			174			1,182			—			41			—			184			—			—			1,581
Risk rating 7			—			—			560			2,637			215			4,628			—			—			8,040
Total			$	43,884		$	81,190		$	131,716		$	215,768		$	91,632		$	158,147		$	6,110		$	—		$	728,447
Current period gross charge-offs			$	—		$	—		$	—		$	39		$	—		$	—		$	—		$	—		$	39
Agricultural real estate
Risk rating 1 to 5			$	2,840		$	11,214		$	17,260		$	10,480		$	7,457		$	18,923		$	1,043		$	—		$	69,217
Risk rating 6			—			202			—			—			—			—			—			—			202
Risk rating 7			—			—			481			5,256			—			457			—			—			6,194
Total			$	2,840		$	11,416		$	17,741		$	15,736		$	7,457		$	19,380		$	1,043		$	—		$	75,613
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Multi-family real estate
Risk rating 1 to 5			$	7,186		$	7,831		$	45,895		$	103,118		$	43,476		$	22,798		$	22		$	—		$	230,326
Risk rating 6			—			—			8,739			—			—			—			—			—			8,739
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	7,186		$	7,831		$	54,634		$	103,118		$	43,476		$	22,798		$	22		$	—		$	239,065
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	19,026		$	34,974		$	9,964		$	6,177		$	1,355		$	881		$	14,898		$	—		$	87,275
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			106			—			—			106
Total			$	19,026		$	34,974		$	9,964		$	6,177		$	1,355		$	987		$	14,898		$	—		$	87,381
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	12,380		$	14,760		$	32,378		$	24,049		$	8,436		$	4,646		$	19,955		$	—		$	116,604
Risk rating 6			—			—			244			13			—			—			260			—			517
Risk rating 7			—			384			35			421			53			—			1,500			—			2,393
Total			$	12,380		$	15,144		$	32,657		$	24,483		$	8,489		$	4,646		$	21,715		$	—		$	119,514
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Agricultural operating
Risk rating 1 to 5			$	2,706		$	3,219		$	3,210		$	708		$	537		$	2,128		$	14,158		$	—		$	26,666
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			473			428			—			—			—			—			901
Total			$	2,706		$	3,219		$	3,683		$	1,136		$	537		$	2,128		$	14,158		$	—		$	27,567
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—

Continued			Amortized Cost Basis by Origination Year
			2024			2023			2022			2021			2020			Prior			Revolving			Revolving to Term			Total
Residential mortgage:
Residential mortgage
Risk rating 1 to 5			$	11,617		$	30,760		$	31,412		$	7,530		$	2,274		$	31,177		$	16,415		$	—		$	131,185
Risk rating 7			—			—			493			—			—			2,689			100			—			3,282
Total			$	11,617		$	30,760		$	31,905		$	7,530		$	2,274		$	33,866		$	16,515		$	—		$	134,467
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	4		$	—		$	—		$	4
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,815		$	—		$	2,815
Risk rating 7			—			—			—			—			—			—			117			—			117
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,932		$	—		$	2,932
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	4,361		$	—		$	—		$	4,361
Risk rating 7			—			—			—			—			—			44			—			—			44
Total			$	—		$	—		$	—		$	—		$	—		$	4,405		$	—		$	—		$	4,405
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	17		$	—		$	—		$	17
Other consumer
Risk rating 1 to 5			$	1,367		$	1,492		$	939		$	451		$	375		$	263		$	543		$	—		$	5,430
Risk rating 7			—			5			—			—			—			1			1			—			7
Total			$	1,367		$	1,497		$	939		$	451		$	375		$	264		$	544		$	—		$	5,437
Current period gross charge-offs			$	—		$	—		$	3		$	1		$	—		$	—		$	7		$	—		$	11
Total loans receivable			$	101,006		$	186,031		$	283,239		$	374,399		$	155,595		$	246,621		$	77,937		$	—		$	1,424,828
Total current period gross charge-offs			$	—		$	—		$	3		$	40		$	—		$	21		$	7		$	—		$	71

Below is a summary of the amortized cost of loans summarized by class, credit quality risk rating and year of origination as of December 31, 2023, and gross charge-offs for the twelve months ended December 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			$	73,564		$	133,583		$	236,774		$	90,881		$	71,104		$	107,999		$	10,204		$	—		$	724,109
Risk rating 6			309			—			9,510			—			—			—			—			—			9,819
Risk rating 7			25			696			3,213			4,548			183			5,854			—			—			14,519
Total			$	73,898		$	134,279		$	249,497		$	95,429		$	71,287		$	113,853		$	10,204		$	—		$	748,447
Current period gross charge-offs			$	—		$	—		$	10		$	—		$	—		$	4		$	—		$	—		$	14
Agricultural real estate
Risk rating 1 to 5			$	16,335		$	19,026		$	11,582		$	7,719		$	5,463		$	15,418		$	1,009		$	—		$	76,552
Risk rating 6			—			171			5,409			—			152			482			—			—			6,214
Risk rating 7			—			360			—			—			31			—			—			—			391
Total			$	16,335		$	19,557		$	16,991		$	7,719		$	5,646		$	15,900		$	1,009		$	—		$	83,157
Current period gross charge-offs			$	—		$	—		$	—		$	32		$	—		$	—		$	—		$	—		$	32
Multi-family real estate
Risk rating 1 to 5			$	5,016		$	50,617		$	95,686		$	45,685		$	8,591		$	22,364		$	45		$	—		$	228,004
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	5,016		$	50,617		$	95,686		$	45,685		$	8,591		$	22,364		$	45		$	—		$	228,004
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Construction and land development
Risk rating 1 to 5			$	42,639		$	37,783		$	18,912		$	8,014		$	119		$	1,124		$	1,314		$	—		$	109,905
Risk rating 6			—			—			—			—			—			110			—			—			110
Risk rating 7			—			—			—			—			—			54			149			—			203
Total			$	42,639		$	37,783		$	18,912		$	8,014		$	119		$	1,288		$	1,463		$	—		$	110,218
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Commercial/Agricultural operating:
Commercial and industrial
Risk rating 1 to 5			$	16,758		$	31,915		$	28,059		$	11,406		$	4,746		$	2,023		$	24,059		$	—		$	118,966
Risk rating 6			—			—			—			—			5			—			2,200			—			2,205
Risk rating 7			—			—			—			—			—			2			—			17			19
Total			$	16,758		$	31,915		$	28,059		$	11,406		$	4,751		$	2,025		$	26,259		$	17		$	121,190
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Agricultural operating
Risk rating 1 to 5			$	4,734		$	3,908		$	856		$	746		$	295		$	2,144		$	11,831		$	—		$	24,514
Risk rating 6			—			—			—			—			—			—			—			—			—
Risk rating 7			—			476			704			—			—			1			—			—			1,181
Total			$	4,734		$	4,384		$	1,560		$	746		$	295		$	2,145		$	11,831		$	—		$	25,695
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			$	28,808		$	33,660		$	8,743		$	2,610		$	2,292		$	33,744		$	15,544		$	—		125,401
Risk rating 7			—			141			—			—			14			2,875			—			48			3,078
Total			$	28,808		$	33,801		$	8,743		$	2,610		$	2,306		$	36,619		$	15,544		$	48		$	128,479
Current period gross charge-offs			$	—		$	—		$	10		$	—		$	—		$	68		$	—		$	—		$	78
Purchased HELOC loans
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	—		$	2,880		$	—		$	2,880
Risk rating 7			—			—			—			—			—			—			—			—			—
Total			$	—		$	—		$	—		$	—		$	—		$	—		$	2,880		$	—		$	2,880
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Consumer installment:
Originated indirect paper
Risk rating 1 to 5			$	—		$	—		$	—		$	—		$	—		$	6,491		$	—		$	—		$	6,491
Risk rating 7			—			—			—			—			—			44			—			—			44
Total			$	—		$	—		$	—		$	—		$	—		$	6,535		$	—		$	—		$	6,535
Current period gross charge-offs			$	—		$	—		$	—		$	—		$	—		$	13		$	—		$	—		$	13
Other consumer
Risk rating 1 to 5			$	2,104		$	1,525		$	763		$	559		$	402		$	274		$	530		$	1		$	6,158
Risk rating 7			9			2			—			—			16			1			1			—			29
Total			$	2,113		$	1,527		$	763		$	559		$	418		$	275		$	531		$	1		$	6,187
Current period gross charge-offs			$	—		$	2		$	1		$	11		$	3		$	6		$	—		$	—		$	23
Total loans receivable			$	190,301		$	313,863		$	420,211		$	172,168		$	93,413		$	201,004		$	69,766		$	66		$	1,460,792
Total current period gross charge-offs			$	—		$	2		$	21		$	43		$	3		$	91		$	—		$	—		$	160

Schedule of Allowance for Credit Losses

The following tables present the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three and nine months ended September 30, 2024:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Three months ended September 30, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	17,033					$	1,117					$	2,784					$	244											$	21,178
Charge-offs			(39)						—						(4)						(11)												(54)
Recoveries			5						10						4						5												24
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(76)						224						(290)						(6)												(148)
ACL - Loans, at end of period			$	16,923					$	1,351					$	2,494					$	232											$	21,000

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment												Total
Nine months ended September 30, 2024
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,784					$	1,105					$	2,744					$	275											$	22,908
Charge-offs			(39)						—						(4)						(28)												(71)
Recoveries			46						35						7						10												98
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			(1,868)						211						(253)						(25)												(1,935)
ACL - Loans, at end of period			$	16,923					$	1,351					$	2,494					$	232											$	21,000

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the three and nine months ended September 30, 2023:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
Three months ended September 30, 2023
Allowance for Credit Losses - Loans:
ACL - Loans, at beginning of period			$	18,933					$	1,458					$	2,452					$	321					$	—					$	23,164
Charge-offs			—						—						(54)						(3)						—						(57)
Recoveries			206						10						—						2						—						218
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(284)						(279)						235						(24)						—						(352)
ACL - Loans, at end of period			$	18,855					$	1,189					$	2,633					$	296					$	—					$	22,973

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
Nine months ended September 30, 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			(46)						—						(78)						(30)						—						(154)
Recoveries			236						41						40						24						—						341
Additions/(reversals) to ACL - Loans via provision for credit losses charged to operations			70						(839)						953						(43)						—						141
ACL - Loans, at end of period			$	18,855					$	1,189					$	2,633					$	296					$	—					$	22,973

The following table presents the balance and activity in the allowance for credit losses (“ACL”) - loans by portfolio segment for the twelve months ended December 31, 2023:

			Commercial/Agricultural Real Estate						C&I/Agricultural operating						Residential Mortgage						Consumer Installment						Unallocated						Total
Twelve months ended December 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			(46)						—						(78)						(36)						—						(160)
Recoveries			489						47						42						33						—						611
(Reversals)/additions to ACL - Loans via provision for credit losses charged to operations			(254)						(929)						1,062						(67)						—						(188)
ACL - Loans, at end of period			$	18,784					$	1,105					$	2,744					$	275					$	—					$	22,908

The following table presents the balance and activity in the ACL - Unfunded Commitments for the three and nine months ended September 30, 2024, and the twelve months ended December 31, 2023.

						September 30, 2024 and Three Months Ended						September 30, 2024 and Nine Months Ended						December 31, 2023 and Twelve Months Ended
ACL - Unfunded Commitments - beginning of period						$	712					$	1,250					$	—
Cumulative effect of ASU 2016-13 adoption						—						—						1,537
Additions to ACL - Unfunded Commitments via provision for credit losses charged to operations						(252)						(790)						(287)
ACL - Unfunded Commitments - End of period						$	460					$	460					$	1,250

Schedule of Provision for Credit Losses

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

						September 30, 2024 and Three Months Ended						September 30, 2024 and Nine Months Ended
(Negative) provision for credit losses on:
Loans						$	(148)					$	(1,935)
Unfunded Commitments						(252)						(790)
Total (negative) provision for credit losses						$	(400)					$	(2,725)

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 September 30, 2024, and December 31, 2023, respectively, was as follows:

(Loan balances at amortized cost)			30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due																		Current						Total Loans
September 30, 2024
Commercial/Agricultural real estate:
Commercial real estate			$	125					$	—					$	232					$	357																	$	728,090					$	728,447
Agricultural real estate			229						—						354						583																		75,030						75,613
Multi-family real estate			—						—						—						—																		239,065						239,065
Construction and land development			413						—						—						413																		86,968						87,381
C&I/Agricultural operating:
Commercial and industrial			48						253						421						722																		118,792						119,514
Agricultural operating			—						—						901						901																		26,666						27,567
Residential mortgage:
Residential mortgage			1,534						770						1,070						3,374																		131,093						134,467
Purchased HELOC loans			—						—						117						117																		2,815						2,932
Consumer installment:
Originated indirect paper			9						—						12						21																		4,384						4,405
Other consumer			21						29						2						52																		5,385						5,437
Total			$	2,379					$	1,052					$	3,109					$	6,540																	$	1,418,288					$	1,424,828
(Loan balances at amortized cost)			30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due																		Current						Total Loans
December 31, 2023
Commercial/Agricultural real estate:
Commercial real estate			$	50					$	308					$	5,579					$	5,937																	$	742,510					$	748,447
Agricultural real estate			30						—						361						391																		82,766						83,157
Multi-family real estate			—						—						—						—																		228,004						228,004
Construction and land development			—						—						54						54																		110,164						110,218
C&I/Agricultural operating:
Commercial and industrial			248						—						—						248																		120,942						121,190
Agricultural operating			—						—						1,179						1,179																		24,516						25,695
Residential mortgage:
Residential mortgage			856						583						1,023						2,462																		126,017						128,479
Purchased HELOC loans			117						—						—						117																		2,763						2,880
Consumer installment:
Originated indirect paper			66						—						12						78																		6,457						6,535
Other consumer			38						—						20						58																		6,129						6,187
Total			$	1,405					$	891					$	8,228					$	10,524																	$	1,450,268					$	1,460,792

The following table shows the performance of such loans that have been modified during the twelve months ended September 30, 2024.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	1,182					$	—					$	—					$	—
Commercial and industrial						2,336						—						—						—
Residential mortgage						163						—						82						—
Other consumer						1						—						—						—
Total						$	3,682					$	—					$	82					$	—

No loan modified during the nine months ended September 30, 2023 has subsequently defaulted. The following table shows the performance of such loans that have been modified during the nine months ended September 30, 2023.

						Current						30-59 Days Past Due						60-89 Days Past Due						Greater Than 89 Days Past Due
Commercial real estate						$	4,826					$	—					$	—					$	—
Agricultural operating						179						—						—						—
Residential mortgage						105						—						—						—
Other consumer						20						—						—						—
Total						$	5,130					$	—					$	—					$	—

Schedule of Nonaccrual Loans

The following tables present the amortized cost basis of loans on nonaccrual status and of nonaccrual loans individually evaluated at September 30, 2024, December 31, 2023, and September 30, 2023, with no allowance for credit losses:

September 30, 2024			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses
Commercial/Agricultural real estate:
Commercial real estate			$	4,778					$	4,547
Agricultural real estate			6,193						6,193
Construction and land development			106						106
C&I/Agricultural operating:
Commercial and industrial			1,956						1,775
Agricultural operating			901						901
Residential mortgage:
Residential mortgage			971						767
Purchased HELOC loans			117						117
Consumer installment:
Originated indirect paper			19						19
Other consumer			1						1
Total			$	15,042					$	14,426

December 31, 2023			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses
Commercial/Agricultural real estate:
Commercial real estate			$	10,359					$	10,347
Agricultural real estate			391						391
Construction and land development			54						54
C&I/Agricultural operating:
Agricultural operating			1,180						1,180
Residential mortgage:
Residential mortgage			1,167						934
Consumer installment:
Originated indirect paper			15						15
Other consumer			18						18
Total			$	13,184					$	12,939

September 30, 2023			Total Nonaccrual Loans						Nonaccrual with no Allowance for Credit Losses
Commercial/Agricultural real estate:
Commercial real estate			$	10,570					$	10,556
Agricultural real estate			469						469
Construction and land development			94						94
C&I/Agricultural operating:
Agricultural operating			1,373						1,373
Residential mortgage:
Residential mortgage			923						685
Consumer installment:
Originated indirect paper			26						26
Other consumer			1						1
Total			$	13,456					$	13,204

Schedule of Collateral Dependent Loans by Portfolio Segment

The following tables present the amortized cost basis of collateral dependent loans by portfolio segment and collateral type that were individually evaluated to determine expected credit losses and the related allowance for credit losses as of September 30, 2024, and December 31, 2023.

			Collateral Type
September 30, 2024			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	8,214					$	—					$	8,214					$	6,784					$	1,430					$	203
Agricultural real estate			6,193						—						6,193						6,193						—						—
Construction and land development			106						—						106						106						—						—
C&I/Agricultural operating:
Commercial and industrial			—						2,394						2,394						2,160						234						88
Agricultural operating			—						901						901						901						—						—
Residential mortgage:
Residential mortgage			3,487						—						3,487						3,003						484						52
Consumer installment:
Originated indirect paper			—						44						44						44						—						—
Other consumer			—						6						6						6						—						—
Total			$	18,000					$	3,345					$	21,345					$	19,197					$	2,148					$	343

			Collateral Type
December 31, 2023			Real Estate						Other Assets						Total						Without an Allowance						With an Allowance						Allowance Allocation
Commercial/Agricultural real estate:
Commercial real estate			$	15,086					$	—					$	15,086					$	11,350					$	3,736					$	703
Agricultural real estate			6,605						—						6,605						6,605						—						—
Construction and land development			313						—						313						313						—						—
C&I/Agricultural operating:
Commercial and industrial			—						2,219						2,219						2,219						—						—
Agricultural operating			—						1,181						1,181						1,181						—						—
Residential mortgage:
Residential mortgage			3,145						—						3,145						2,591						554						88
Consumer installment:
Originated indirect paper			—						44						44						44						—						—
Other consumer			—						29						29						29						—						—
Total			$	25,149					$	3,473					$	28,622					$	24,332					$	4,290					$	791

Schedule of Loan Modifications

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the three months ended September 30, 2024:

						Term Extension
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Residential mortgage						$	5					—		%
Other consumer						$	1					0.02		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	1,182					0.16		%

The tables below detail Loan Modifications made to Borrowers Experiencing Financial Difficulty during the twelve months ended September 30, 2024:

						Term Extension
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Commercial and industrial						$	1,500					1.26		%
Residential mortgage						$	5					—		%
Other Consumer						$	1					0.02		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at September 30, 2024						% of Total Class of Financing Receivables
Commercial real estate						$	1,182					0.16		%
Commercial and industrial						$	836					0.70		%
Residential mortgage						$	240					0.18		%

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the three months ended September 30, 2023:

						Term Extension
Loan Class						Amortized Cost Basis at September 30, 2023						% of Total Class of Financing Receivables
Commercial real estate						$	4,826					0.65		%

Schedule of Financial Effect of the Modifications Made to Borrowers

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the three months ended September 30, 2024:

Term Extension
Loan Class						Financial Effect
Residential mortgage						A weighted average of 36 months was added to the term of the loans
Other Consumer						A weighted average of 12 months was added to the term of the loans
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial real estate						Payments were deferred a weighted average of 3 months

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the twelve months ended September 30, 2024:

Term Extension
Loan Class						Financial Effect
Commercial and industrial						A weighted average of 11 months was added to the term of the loans
Residential mortgage						A weighted average of 36 months was added to the term of the loans
Other consumer						Payments were deferred a weighted average of 12 months
Other-Than-Insignificant Payment Delay
Loan Class						Financial Effect
Commercial real estate						Payments were deferred a weighted average of 3 months
Commercial and industrial						Payments were deferred a weighted average of 3 months
Residential mortgage						Payments were deferred a weighted average of 3 months

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the three months ended September 30, 2023:

Loan Class						Financial Effect
Commercial real estate						A weighted average of 20 months was added to the term of the loans

The tables below detail Loan Modifications Made to Borrowers Experiencing Financial Difficulty during the nine months ended September 30, 2023:

						Term Extension
Loan Class						Amortized Cost Basis at September 30, 2023						% of Total Class of Financing Receivables
Commercial real estate						$	4,826					0.65		%
Agricultural operating						$	179					0.73		%
Residential mortgage						$	36					0.03		%
						Other-Than-Insignificant Payment Delay
Loan Class						Amortized Cost Basis at September 30, 2023						% of Total Class of Financing Receivables
Residential mortgage						$	69					0.06		%
Other consumer						$	20					0.31		%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty during the nine months ended September 30, 2023:

Loan Class						Financial Effect
Commercial real estate						A weighted average of 20 months was added to the term of the loans
Agricultural operating						A weighted average of 3 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
Residential Mortgage						Payments were deferred a weighted average of 6 months
Other consumer						Payments were deferred a weighted average of 3 months

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