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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2022
Loans and Allowance for Loan Losses (Tables) [Line Items] |
Schedule of categories of loans |
|  | Total Loans |  |  | Nonaccrual Loans |
($ in thousands) |  | June 2022 |  |  | December 2021 |  |  | June 2022 |  |  | December 2021 |
Commercial & industrial |  | $ | 127,434 |  |  | $ | 122,250 |  |  | $ | 140 |  |  | $ | 143 |
Commercial real estate - owner occupied |  |  | 129,496 |  |  |  | 118,891 |  |  |  | 88 |  |  |  | 88 |
Commercial real estate - nonowner occupied |  |  | 274,583 |  |  |  | 262,277 |  |  |  | 271 |  |  |  | 466 |
Agricultural |  |  | 60,490 |  |  |  | 57,403 |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 241,776 |  |  |  | 206,424 |  |  |  | 3,176 |  |  |  | 2,484 |
Home equity line of credit (HELOC) |  |  | 44,142 |  |  |  | 41,682 |  |  |  | 291 |  |  |  | 464 |
Consumer |  |  | 17,303 |  |  |  | 13,474 |  |  |  | 32 |  |  |  | 7 |
Total loans |  | $ | 895,224 |  |  | $ | 822,401 |  |  | $ | 3,998 |  |  | $ | 3,652 |
Net deferred costs (fees) |  | $ | 387 |  |  | $ | 313 |  |  |  |  |  |  |  |  |
Total loans, net deferred costs (fees) |  | $ | 895,611 |  |  | $ | 822,714 |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | (13,801 | ) |  | $ | (13,805 | ) |  |  |  |  |  |  |  |
Schedule of allowance for loan losses |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Three Months Ended June 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 1,892 |  |  | $ | 6,883 |  |  | $ | 547 |  |  | $ | 3,502 |  |  | $ | 980 |  |  | $ | 13,804 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (9 | ) |  |  | (9 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6 |  |  |  | 6 |
Provision |  |  | (64 | ) |  |  | (212 | ) |  |  | 13 |  |  |  | 249 |  |  |  | 14 |  |  |  | - |
Ending balance |  | $ | 1,828 |  |  | $ | 6,671 |  |  | $ | 560 |  |  | $ | 3,751 |  |  | $ | 991 |  |  | $ | 13,801 |
For the Six Months Ended June 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 1,890 |  |  | $ | 6,781 |  |  | $ | 599 |  |  | $ | 3,515 |  |  | $ | 1,020 |  |  | $ | 13,805 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (18 | ) |  |  | (18 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 14 |  |  |  | 14 |
Provision |  |  | (62 | ) |  |  | (110 | ) |  |  | (39 | ) |  |  | 236 |  |  |  | (25 | ) |  |  | - |
Ending balance |  | $ | 1,828 |  |  | $ | 6,671 |  |  | $ | 560 |  |  | $ | 3,751 |  |  | $ | 991 |  |  | $ | 13,801 |
For the Three Months Ended June 30, 2021 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 2,959 |  |  | $ | 6,177 |  |  | $ | 473 |  |  | $ | 2,608 |  |  | $ | 1,109 |  |  | $ | 13,326 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (22 | ) |  |  | (4 | ) |  |  | (26 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6 |  |  |  | 6 |
Provision |  |  | (1,241 | ) |  |  | 495 |  |  |  | 21 |  |  |  | 839 |  |  |  | (114 | ) |  |  | - |
Ending balance |  | $ | 1,718 |  |  | $ | 6,672 |  |  | $ | 494 |  |  | $ | 3,425 |  |  | $ | 997 |  |  | $ | 13,306 |
For the Six Months Ended June 30, 2021 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 3,074 |  |  | $ | 5,451 |  |  | $ | 496 |  |  | $ | 2,534 |  |  | $ | 1,019 |  |  | $ | 12,574 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (43 | ) |  |  | (35 | ) |  |  | (78 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 49 |  |  |  | 11 |  |  |  | 60 |
Provision |  |  | (1,356 | ) |  |  | 1,221 |  |  |  | (2 | ) |  |  | 885 |  |  |  | 2 |  |  |  | 750 |
Ending balance |  | $ | 1,718 |  |  | $ | 6,672 |  |  | $ | 494 |  |  | $ | 3,425 |  |  | $ | 997 |  |  | $ | 13,306 |
Loans Receivable at June 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 167 |  |  | $ | 4 |  |  | $ | 171 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 1,828 |  |  | $ | 6,671 |  |  | $ | 560 |  |  | $ | 3,584 |  |  | $ | 987 |  |  | $ | 13,630 |
Totals |  | $ | 1,828 |  |  | $ | 6,671 |  |  | $ | 560 |  |  | $ | 3,751 |  |  | $ | 991 |  |  | $ | 13,801 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | 117 |  |  | $ | 295 |  |  | $ | - |  |  | $ | 2,997 |  |  | $ | 131 |  |  | $ | 3,540 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 127,317 |  |  | $ | 403,784 |  |  | $ | 60,490 |  |  | $ | 238,779 |  |  | $ | 61,314 |  |  | $ | 891,684 |
Totals |  | $ | 127,434 |  |  | $ | 404,079 |  |  | $ | 60,490 |  |  | $ | 241,776 |  |  | $ | 61,445 |  |  | $ | 895,224 |
Loans Receivable at December 31, 2021 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | - |  |  | $ | 10 |  |  | $ | - |  |  | $ | 120 |  |  | $ | 3 |  |  | $ | 133 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 1,890 |  |  | $ | 6,771 |  |  | $ | 599 |  |  | $ | 3,395 |  |  | $ | 1,017 |  |  | $ | 13,672 |
Totals |  | $ | 1,890 |  |  | $ | 6,781 |  |  | $ | 599 |  |  | $ | 3,515 |  |  | $ | 1,020 |  |  | $ | 13,805 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | 118 |  |  | $ | 354 |  |  | $ | - |  |  | $ | 2,307 |  |  | $ | 135 |  |  | $ | 2,914 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 122,132 |  |  | $ | 380,814 |  |  | $ | 57,403 |  |  | $ | 204,117 |  |  | $ | 55,021 |  |  | $ | 819,487 |
Totals |  | $ | 122,250 |  |  | $ | 381,168 |  |  | $ | 57,403 |  |  | $ | 206,424 |  |  | $ | 55,156 |  |  | $ | 822,401 |
Schedule of loan portfolio based on rating category |
($ in thousands) June 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate - owner occupied |  |  | Commercial real estate - nonowner occupied |  |  | Agricultural |  |  | Residential real estate |  |  | HELOC |  |  | Consumer |  |  | Total |
Pass (1 - 4) |  | $ | 126,532 |  |  | $ | 126,444 |  |  | $ | 269,015 |  |  | $ | 60,490 |  |  | $ | 238,272 |  |  | $ | 43,851 |  |  | $ | 17,272 |  |  | $ | 881,876 |
Special Mention (5) |  |  | 600 |  |  |  | 2,964 |  |  |  | 5,292 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8,856 |
Substandard (6) |  |  | 161 |  |  |  | - |  |  |  | 5 |  |  |  | - |  |  |  | 3,479 |  |  |  | 291 |  |  |  | 31 |  |  |  | 3,967 |
Doubtful (7) |  |  | 141 |  |  |  | 88 |  |  |  | 271 |  |  |  | - |  |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | 525 |
Loss (8) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Loans |  | $ | 127,434 |  |  | $ | 129,496 |  |  | $ | 274,583 |  |  | $ | 60,490 |  |  | $ | 241,776 |  |  | $ | 44,142 |  |  | $ | 17,303 |  |  | $ | 895,224 |
December 31, 2021 |  | Commercial & industrial |  |  | Commercial real estate - owner occupied |  |  | Commercial real estate - nonowner occupied |  |  | Agricultural |  |  | Residential real estate |  |  | HELOC |  |  | Consumer |  |  | Total |
Pass (1 - 4) |  | $ | 121,285 |  |  | $ | 111,232 |  |  | $ | 253,269 |  |  | $ | 57,403 |  |  | $ | 203,295 |  |  | $ | 41,218 |  |  | $ | 13,467 |  |  | $ | 801,169 |
Special Mention (5) |  |  | 659 |  |  |  | 7,571 |  |  |  | 5,694 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 13,924 |
Substandard (6) |  |  | 188 |  |  |  | - |  |  |  | 2,848 |  |  |  | - |  |  |  | 3,102 |  |  |  | 464 |  |  |  | 7 |  |  |  | 6,609 |
Doubtful (7) |  |  | 118 |  |  |  | 88 |  |  |  | 466 |  |  |  | - |  |  |  | 27 |  |  |  | - |  |  |  | - |  |  |  | 699 |
Loss (8) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Loans |  | $ | 122,250 |  |  | $ | 118,891 |  |  | $ | 262,277 |  |  | $ | 57,403 |  |  | $ | 206,424 |  |  | $ | 41,682 |  |  | $ | 13,474 |  |  | $ | 822,401 |
Schedule of loan portfolio aging analysis |
($ in thousands) |  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than 90 Days |  |  | Total Past |  |  |  |  |  | Total Loans |
June 30, 2022 |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Due |  |  | Current |  |  | Receivable |
Commercial & industrial |  | $ | 156 |  |  | $ | - |  |  | $ | 140 |  |  | $ | 296 |  |  | $ | 127,138 |  |  | $ | 127,434 |
Commercial real estate - owner occupied |  |  | 48 |  |  |  | - |  |  |  | 88 |  |  |  | 136 |  |  |  | 129,360 |  |  |  | 129,496 |
Commercial real estate - nonowner occupied |  |  | 255 |  |  |  | - |  |  |  | 71 |  |  |  | 326 |  |  |  | 274,257 |  |  |  | 274,583 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 60,490 |  |  |  | 60,490 |
Residential real estate |  |  | 23 |  |  |  | 374 |  |  |  | 1,361 |  |  |  | 1,758 |  |  |  | 240,018 |  |  |  | 241,776 |
HELOC |  |  | 118 |  |  |  | 94 |  |  |  | 134 |  |  |  | 346 |  |  |  | 43,796 |  |  |  | 44,142 |
Consumer |  |  | 18 |  |  |  | 19 |  |  |  | 22 |  |  |  | 59 |  |  |  | 17,244 |  |  |  | 17,303 |
Total Loans |  | $ | 618 |  |  | $ | 487 |  |  | $ | 1,816 |  |  | $ | 2,921 |  |  | $ | 892,303 |  |  | $ | 895,224 |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than 90 Days |  |  | Total Past |  |  |  |  |  | Total Loans |
December 31, 2021 |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Due |  |  | Current |  |  | Receivable |
Commercial & industrial |  | $ | 166 |  |  | $ | 25 |  |  | $ | 118 |  |  | $ | 309 |  |  | $ | 121,941 |  |  | $ | 122,250 |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | 88 |  |  |  | 88 |  |  |  | 118,803 |  |  |  | 118,891 |
Commercial real estate - nonowner occupied |  |  | 221 |  |  |  | 233 |  |  |  | 246 |  |  |  | 700 |  |  |  | 261,577 |  |  |  | 262,277 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 57,403 |  |  |  | 57,403 |
Residential real estate |  |  | 265 |  |  |  | 716 |  |  |  | 1,344 |  |  |  | 2,325 |  |  |  | 204,099 |  |  |  | 206,424 |
HELOC |  |  | 53 |  |  |  | 80 |  |  |  | 248 |  |  |  | 381 |  |  |  | 41,301 |  |  |  | 41,682 |
Consumer |  |  | 20 |  |  |  | 14 |  |  |  | 7 |  |  |  | 41 |  |  |  | 13,433 |  |  |  | 13,474 |
Total Loans |  | $ | 725 |  |  | $ | 1,068 |  |  | $ | 2,051 |  |  | $ | 3,844 |  |  | $ | 818,557 |  |  | $ | 822,401 |
Schedule of impaired loan activity |
($ in thousands) |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
Six Months Ended June 30, 2022 |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 117 |  |  | $ | 202 |  |  | $ | - |  |  | $ | 216 |  |  | $ | 1 |
Commercial real estate - owner occupied |  |  | 88 |  |  |  | 88 |  |  |  | - |  |  |  | 88 |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 207 |  |  |  | 207 |  |  |  | - |  |  |  | 350 |  |  |  | 11 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,750 |  |  |  | 1,816 |  |  |  | - |  |  |  | 2,011 |  |  |  | 35 |
HELOC |  |  | 19 |  |  |  | 19 |  |  |  |  |  |  |  | 23 |  |  |  | 1 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,247 |  |  |  | 1,247 |  |  |  | 167 |  |  |  | 1,279 |  |  |  | 1 |
HELOC |  |  | 112 |  |  |  | 112 |  |  |  | 4 |  |  |  | 125 |  |  |  | 1 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 117 |  |  | $ | 202 |  |  | $ | - |  |  | $ | 216 |  |  | $ | 1 |
Commercial real estate - owner occupied |  | $ | 88 |  |  | $ | 88 |  |  | $ | - |  |  | $ | 88 |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 207 |  |  | $ | 207 |  |  | $ | - |  |  | $ | 350 |  |  | $ | 11 |
Agricultural |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 2,997 |  |  | $ | 3,063 |  |  | $ | 167 |  |  | $ | 3,290 |  |  | $ | 36 |
HELOC |  | $ | 131 |  |  | $ | 131 |  |  | $ | 4 |  |  | $ | 148 |  |  | $ | 2 |
Consumer |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
($ in thousands) |  | Average Recorded |  |  | Interest Income |
Three Months Ended June 30, 2022 |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |
Commercial & industrial |  | $ | 216 |  |  | $ | 1 |
Commercial real estate - owner occupied |  |  | 88 |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 348 |  |  |  | 6 |
Agricultural |  |  | - |  |  |  | - |
Residential real estate |  |  | 2,002 |  |  |  | 16 |
HELOC |  |  | 21 |  |  |  | - |
Consumer |  |  | - |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | - |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,278 |  |  |  | 15 |
HELOC |  |  | 123 |  |  |  | 1 |
Consumer |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 216 |  |  | $ | 1 |
Commercial real estate - owner occupied |  | $ | 88 |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 348 |  |  | $ | 6 |
Agricultural |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 3,280 |  |  | $ | 31 |
HELOC |  | $ | 144 |  |  | $ | 1 |
Consumer |  | $ | - |  |  | $ | - |
($ in thousands) |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
Twelve Months Ended December 31, 2021 |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 118 |  |  | $ | 204 |  |  | $ | - |  |  | $ | 217 |  |  | $ | 2 |
Commercial real estate - owner occupied |  |  | 88 |  |  |  | 88 |  |  |  | - |  |  |  | 88 |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 223 |  |  |  | 223 |  |  |  | - |  |  |  | 357 |  |  |  | 28 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,391 |  |  |  | 1,458 |  |  |  | - |  |  |  | 1,663 |  |  |  | 60 |
HELOC |  |  | 33 |  |  |  | 33 |  |  |  |  |  |  |  | 41 |  |  |  | 2 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 43 |  |  |  | 173 |  |  |  | 10 |  |  |  | 173 |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 916 |  |  |  | 916 |  |  |  | 120 |  |  |  | 933 |  |  |  | 20 |
HELOC |  |  | 102 |  |  |  | 102 |  |  |  | 3 |  |  |  | 124 |  |  |  | 5 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 118 |  |  | $ | 204 |  |  | $ | - |  |  | $ | 217 |  |  | $ | 2 |
Commercial real estate - owner occupied |  | $ | 88 |  |  | $ | 88 |  |  | $ | - |  |  | $ | 88 |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 266 |  |  | $ | 396 |  |  | $ | 10 |  |  | $ | 530 |  |  | $ | 28 |
Agricultural |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 2,307 |  |  | $ | 2,374 |  |  | $ | 120 |  |  | $ | 2,596 |  |  | $ | 80 |
HELOC |  | $ | 135 |  |  | $ | 135 |  |  | $ | 3 |  |  | $ | 165 |  |  | $ | 7 |
Consumer |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Loans [Member] |
Loans and Allowance for Loan Losses (Tables) [Line Items] |
Schedule of impaired loan activity |
|  | Six Months Ended |  |  | Three Months Ended |
($ in thousands) |  | Average Recorded |  |  | Interest Income |  |  | Average Recorded |  |  | Interest Income |
June 30, 2021 |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 855 |  |  | $ | 22 |  |  | $ | 849 |  |  | $ | 11 |
Commercial real estate - owner occupied |  |  | 88 |  |  |  | - |  |  |  | 88 |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 532 |  |  |  | 15 |  |  |  | 531 |  |  |  | 8 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,453 |  |  |  | 26 |  |  |  | 1,447 |  |  |  | 13 |
HELOC |  |  | 46 |  |  |  | 1 |  |  |  | 44 |  |  |  | - |
Consumer |  |  | 6 |  |  |  | - |  |  |  | 5 |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 579 |  |  |  | - |  |  |  | 579 |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 645 |  |  |  | 9 |  |  |  | 644 |  |  |  | 4 |
HELOC |  |  | 129 |  |  |  | 3 |  |  |  | 127 |  |  |  | 1 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 855 |  |  | $ | 22 |  |  | $ | 849 |  |  | $ | 11 |
Commercial real estate - owner occupied |  | $ | 88 |  |  | $ | - |  |  | $ | 88 |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 1,111 |  |  | $ | 15 |  |  | $ | 1,110 |  |  | $ | 8 |
Agricultural |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 2,098 |  |  | $ | 35 |  |  | $ | 2,091 |  |  | $ | 17 |
HELOC |  | $ | 175 |  |  | $ | 4 |  |  | $ | 171 |  |  | $ | 1 |
Consumer |  | $ | 6 |  |  | $ | - |  |  | $ | 5 |  |  | $ | - |

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