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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2022
Loans and Allowance for Loan Losses (Tables) [Line Items] |
Schedule of categories of loans |
|  | Total Loans |  |  | Nonaccrual Loans |
($ in thousands) |  | September 2022 |  |  | December 2021 |  |  | September 2022 |  |  | December 2021 |
Commercial & industrial |  | $ | 128,263 |  |  | $ | 122,250 |  |  | $ | 114 |  |  | $ | 143 |
Commercial real estate - owner occupied |  |  | 110,749 |  |  |  | 118,891 |  |  |  | - |  |  |  | 88 |
Commercial real estate - nonowner occupied |  |  | 293,766 |  |  |  | 262,277 |  |  |  | 223 |  |  |  | 466 |
Agricultural |  |  | 60,409 |  |  |  | 57,403 |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 267,290 |  |  |  | 206,424 |  |  |  | 3,129 |  |  |  | 2,484 |
Home equity line of credit (HELOC) |  |  | 45,356 |  |  |  | 41,682 |  |  |  | 257 |  |  |  | 464 |
Consumer |  |  | 18,966 |  |  |  | 13,474 |  |  |  | 23 |  |  |  | 7 |
Total loans |  | $ | 924,799 |  |  | $ | 822,401 |  |  | $ | 3,746 |  |  | $ | 3,652 |
Net deferred costs (fees) |  | $ | 450 |  |  | $ | 313 |  |  |  |  |  |  |  |  |
Total loans, net deferred costs (fees) |  | $ | 925,249 |  |  | $ | 822,714 |  |  |  |  |  |  |  |  |
Allowance for loan losses |  | $ | (13,824 | ) |  | $ | (13,805 | ) |  |  |  |  |  |  |  |
Schedule of allowance for loan losses |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
For the Three Months Ended September 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 1,828 |  |  | $ | 6,671 |  |  | $ | 560 |  |  | $ | 3,751 |  |  | $ | 991 |  |  | $ | 13,801 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (9 | ) |  |  | (9 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 32 |  |  |  | 32 |
Provision |  |  | (32 | ) |  |  | (21 | ) |  |  | 12 |  |  |  | 175 |  |  |  | (134 | ) |  |  | - |
Ending balance |  | $ | 1,796 |  |  | $ | 6,650 |  |  | $ | 572 |  |  | $ | 3,926 |  |  | $ | 880 |  |  | $ | 13,824 |
For the Nine Months Ended September 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 |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (27 | ) |  |  | (27 | )
Recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 46 |  |  |  | 46 |
Provision |  |  | (94 | ) |  |  | (131 | ) |  |  | (27 | ) |  |  | 411 |  |  |  | (159 | ) |  |  | - |
Ending balance |  | $ | 1,796 |  |  | $ | 6,650 |  |  | $ | 572 |  |  | $ | 3,926 |  |  | $ | 880 |  |  | $ | 13,824 |
For the Three Months Ended September 30, 2021 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Beginning balance |  | $ | 1,718 |  |  | $ | 6,672 |  |  | $ | 494 |  |  | $ | 3,425 |  |  | $ | 997 |  |  | $ | 13,306 |
Charge offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (24 | ) |  |  | (24 | )
Recoveries |  |  | 227 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 3 |  |  |  | 230 |
Provision |  |  | 6 |  |  |  | 81 |  |  |  | 88 |  |  |  | 98 |  |  |  | 27 |  |  |  | 300 |
Ending balance |  | $ | 1,951 |  |  | $ | 6,753 |  |  | $ | 582 |  |  | $ | 3,523 |  |  | $ | 1,003 |  |  | $ | 13,812 |
For the Nine Months Ended September 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 | ) |  |  | (59 | ) |  |  | (102 | )
Recoveries |  |  | 227 |  |  |  | - |  |  |  | - |  |  |  | 49 |  |  |  | 14 |  |  |  | 290 |
Provision |  |  | (1,350 | ) |  |  | 1,302 |  |  |  | 86 |  |  |  | 983 |  |  |  | 29 |  |  |  | 1,050 |
Ending balance |  | $ | 1,951 |  |  | $ | 6,753 |  |  | $ | 582 |  |  | $ | 3,523 |  |  | $ | 1,003 |  |  | $ | 13,812 |
Loans Receivable at September 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate |  |  | Agricultural |  |  | Residential real estate |  |  | Consumer |  |  | Total |
Allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 152 |  |  | $ | 2 |  |  | $ | 154 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 1,796 |  |  | $ | 6,650 |  |  | $ | 572 |  |  | $ | 3,774 |  |  | $ | 878 |  |  | $ | 13,670 |
Totals |  | $ | 1,796 |  |  | $ | 6,650 |  |  | $ | 572 |  |  | $ | 3,926 |  |  | $ | 880 |  |  | $ | 13,824 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
individually evaluated for impairment |  | $ | 92 |  |  | $ | 197 |  |  | $ | - |  |  | $ | 2,907 |  |  | $ | 122 |  |  | $ | 3,318 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
collectively evaluated for impairment |  | $ | 128,171 |  |  | $ | 404,318 |  |  | $ | 60,409 |  |  | $ | 264,383 |  |  | $ | 64,200 |  |  | $ | 921,481 |
Totals |  | $ | 128,263 |  |  | $ | 404,515 |  |  | $ | 60,409 |  |  | $ | 267,290 |  |  | $ | 64,322 |  |  | $ | 924,799 |
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) September 30, 2022 |  | Commercial & industrial |  |  | Commercial real estate - owner occupied |  |  | Commercial real estate - nonowner occupied |  |  | Agricultural |  |  | Residential real estate |  |  | HELOC |  |  | Consumer |  |  | Total |
Pass (1 - 4) |  | $ | 127,555 |  |  | $ | 107,773 |  |  | $ | 288,321 |  |  | $ | 60,409 |  |  | $ | 263,836 |  |  | $ | 45,099 |  |  | $ | 18,943 |  |  | $ | 911,936 |
Special Mention (5) |  |  | 433 |  |  |  | 2,976 |  |  |  | 4,970 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 8,379 |
Substandard (6) |  |  | 160 |  |  |  | - |  |  |  | 252 |  |  |  | - |  |  |  | 3,429 |  |  |  | 257 |  |  |  | 23 |  |  |  | 4,121 |
Doubtful (7) |  |  | 115 |  |  |  | - |  |  |  | 223 |  |  |  | - |  |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | 363 |
Loss (8) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Loans |  | $ | 128,263 |  |  | $ | 110,749 |  |  | $ | 293,766 |  |  | $ | 60,409 |  |  | $ | 267,290 |  |  | $ | 45,356 |  |  | $ | 18,966 |  |  | $ | 924,799 |
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 |  |  | Total Past |  |  |  |  |  | Total Loans |
September 30, 2022 |  | Past Due |  |  | Past Due |  |  | 90 Days Past Due |  |  | Due |  |  | Current |  |  | Receivable |
Commercial & industrial |  | $ | 194 |  |  | $ | - |  |  | $ | 114 |  |  | $ | 308 |  |  | $ | 127,955 |  |  | $ | 128,263 |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 110,749 |  |  |  | 110,749 |
Commercial real estate - nonowner occupied |  |  | 148 |  |  |  | - |  |  |  | 34 |  |  |  | 182 |  |  |  | 293,584 |  |  |  | 293,766 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 60,409 |  |  |  | 60,409 |
Residential real estate |  |  | 107 |  |  |  | 299 |  |  |  | 1,564 |  |  |  | 1,970 |  |  |  | 265,320 |  |  |  | 267,290 |
HELOC |  |  | 271 |  |  |  | 40 |  |  |  | 93 |  |  |  | 404 |  |  |  | 44,952 |  |  |  | 45,356 |
Consumer |  |  | 19 |  |  |  | 20 |  |  |  | 4 |  |  |  | 43 |  |  |  | 18,923 |  |  |  | 18,966 |
Total Loans |  | $ | 739 |  |  | $ | 359 |  |  | $ | 1,809 |  |  | $ | 2,907 |  |  | $ | 921,892 |  |  | $ | 924,799 |
|  | 30-59 Days |  |  | 60-89 Days |  |  | Greater Than |  |  | Total Past |  |  |  |  |  | Total Loans |
December 31, 2021 |  | Past Due |  |  | Past Due |  |  | 90 Days 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) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Nine Months Ended |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
September 30, 2022 |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 92 |  |  | $ | 177 |  |  | $ | - |  |  | $ | 191 |  |  | $ | 2 |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 197 |  |  |  | 197 |  |  |  | - |  |  |  | 348 |  |  |  | 16 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,529 |  |  |  | 1,595 |  |  |  | - |  |  |  | 1,808 |  |  |  | 47 |
HELOC |  |  | 73 |  |  |  | 73 |  |  |  |  |  |  |  | 90 |  |  |  | 3 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,378 |  |  |  | 1,378 |  |  |  | 152 |  |  |  | 1,419 |  |  |  | 34 |
HELOC |  |  | 49 |  |  |  | 49 |  |  |  | 2 |  |  |  | 54 |  |  |  | 2 |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 92 |  |  | $ | 177 |  |  | $ | - |  |  | $ | 191 |  |  | $ | 2 |
Commercial real estate - owner occupied |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 197 |  |  | $ | 197 |  |  | $ | - |  |  | $ | 348 |  |  | $ | 16 |
Agricultural |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 2,907 |  |  | $ | 2,973 |  |  | $ | 152 |  |  | $ | 3,227 |  |  | $ | 81 |
HELOC |  | $ | 122 |  |  | $ | 122 |  |  | $ | 2 |  |  | $ | 144 |  |  | $ | 5 |
Consumer |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Three Months Ended |  | Average Recorded |  |  | Interest Income |
September 30, 2022 |  | Investment |  |  | Recognized |
($ in thousands) |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |
Commercial & industrial |  | $ | 191 |  |  | $ | 1 |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 342 |  |  |  | 5 |
Agricultural |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,784 |  |  |  | 16 |
HELOC |  |  | 82 |  |  |  | 1 |
Consumer |  |  | - |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | - |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,413 |  |  |  | 7 |
HELOC |  |  | 49 |  |  |  | 1 |
Consumer |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 191 |  |  | $ | 1 |
Commercial real estate - owner occupied |  | $ | - |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 342 |  |  | $ | 5 |
Agricultural |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 3,197 |  |  | $ | 23 |
HELOC |  | $ | 131 |  |  | $ | 2 |
Consumer |  | $ | - |  |  | $ | - |
($ in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Twelve Months Ended |  | Recorded |  |  | Unpaid Principal |  |  | Related |  |  | Average Recorded |  |  | Interest Income |
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 |
|  | Nine Months Ended |  |  | Three Months Ended |
September 30, 2021 |  | Average Recorded |  |  | Interest Income |  |  | Average Recorded |  |  | Interest Income |
($ in thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 217 |  |  | $ | 2 |  |  | $ | 216 |  |  | $ | 1 |
Commercial real estate - owner occupied |  |  | 88 |  |  |  | - |  |  |  | 88 |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 359 |  |  |  | 22 |  |  |  | 356 |  |  |  | 7 |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 1,705 |  |  |  | 49 |  |  |  | 1,689 |  |  |  | 18 |
HELOC |  |  | 9 |  |  |  | - |  |  |  | 7 |  |  |  | - |
Consumer |  |  | 4 |  |  |  | - |  |  |  | 3 |  |  |  | - |
With a specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - owner occupied |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial real estate - nonowner occupied |  |  | 173 |  |  |  | - |  |  |  | 173 |  |  |  | - |
Agricultural |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate |  |  | 770 |  |  |  | 20 |  |  |  | 762 |  |  |  | 7 |
HELOC |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Totals: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 217 |  |  | $ | 2 |  |  | $ | 216 |  |  | $ | 1 |
Commercial real estate - owner occupied |  | $ | 88 |  |  | $ | - |  |  | $ | 88 |  |  | $ | - |
Commercial real estate - nonowner occupied |  | $ | 532 |  |  | $ | 22 |  |  | $ | 529 |  |  | $ | 7 |
Agricultural |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Residential real estate |  | $ | 2,475 |  |  | $ | 69 |  |  | $ | 2,451 |  |  | $ | 25 |
HELOC |  | $ | 9 |  |  | $ | - |  |  | $ | 7 |  |  | $ | - |
Consumer |  | $ | 4 |  |  | $ | - |  |  | $ | 3 |  |  | $ | - |

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