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Loans and Leases
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Loans and Leases Loans and Leases
Loans and leases at June 30, 2022 and December 31, 2021 were as follows:
(In thousands)06/30/202212/31/2021
Commercial and industrial
Agriculture$69,291 $99,172 
Commercial and industrial other717,837 699,121 
PPP loans*3,499 71,260 
Subtotal commercial and industrial790,627 869,553 
Commercial real estate
Construction208,695 178,582 
Agriculture200,089 195,973 
Commercial real estate other2,361,790 2,278,599 
Subtotal commercial real estate2,770,574 2,653,154 
Residential real estate
Home equity181,672 182,671 
Mortgages1,341,663 1,290,911 
Subtotal residential real estate1,523,335 1,473,582 
Consumer and other
Indirect3,196 4,655 
Consumer and other65,033 67,396 
Subtotal consumer and other68,229 72,051 
Leases14,019 13,948 
Total loans and leases5,166,784 5,082,288 
Less: unearned income and deferred costs and fees(4,281)(6,821)
Total loans and leases, net of unearned income and deferred costs and fees$5,162,503 $5,075,467 
*SBA Paycheck Protection Program ("PPP")

The Company has adopted comprehensive lending policies, underwriting standards and loan review procedures. Management reviews these policies and procedures on a regular basis. The Company discussed its lending policies and underwriting guidelines for its various lending portfolios in Note 3 – "Loans and Leases" in the Notes to Consolidated Financial Statements contained in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021. There have been no significant changes in these policies and guidelines since the date of that report. As such, these policies are reflective of new originations as well as those balances held at December 31, 2021. The Company’s Board of Directors approves the lending policies at least annually. The Company recognizes that exceptions to policy guidelines may occasionally occur and has established procedures for approving exceptions to these policy guidelines. Management has also implemented reporting systems to monitor loan origination, loan quality, concentrations of credit, loan delinquencies and nonperforming loans and potential problem loans.
 
Loans are considered past due if the required principal and interest payments have not been received as of the date such payments are due. Generally loans are placed on nonaccrual status if principal or interest payments become 90 days or more past due and/or management deems the collectability of the principal and/or interest to be in question as well as when required by regulatory agencies. When interest accrual is discontinued, all unpaid accrued interest is reversed. Payments received on loans on nonaccrual are generally applied to reduce the principal balance of the loan. Loans are generally returned to accrual status when all the principal and interest amounts due are brought current, the borrower has established a payment history, and future payments are reasonably assured. When management determines that the collection of principal in full is not probable, management will charge-off a partial amount or full amount of the loan balance. Management considers specific facts and circumstances relative to each individual credit in making such a determination. For residential and consumer loans, management uses specific regulatory guidance and thresholds for determining charge-offs.
 
The below tables are an age analysis of past due loans, segregated by class of loans, as of June 30, 2022 and December 31, 2021:
 
June 30, 2022
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$33 $0 $0 $33 $69,258 $69,291
Commercial and industrial other875 923 92 1,890 715,947 717,837 
PPP loans53 1 0 54 3,445 3,499 
Subtotal commercial and industrial961 924 92 1,977 788,650 790,627 
Commercial real estate
Construction0 0 0 0 208,695 208,695
Agriculture219 0 0 219 199,870 200,089
Commercial real estate other253 5,405 5,762 11,420 2,350,370 2,361,790
Subtotal commercial real estate472 5,405 5,762 11,639 2,758,935 2,770,574 
Residential real estate
Home equity306 0 1,347 1,653 180,019 181,672
Mortgages0 1,506 5,490 6,996 1,334,667 1,341,663
Subtotal residential real estate306 1,506 6,837 8,649 1,514,686 1,523,335 
Consumer and other
Indirect64 23 52 139 3,057 3,196
Consumer and other57 119 89 265 64,768 65,033
Subtotal consumer and other121 142 141 404 67,825 68,229 
Leases0 0 0 0 14,019 14,019 
Total loans and leases1,860 7,977 12,832 22,669 5,144,115 5,166,784 
Less: unearned income and deferred costs and fees0 0 0 0 (4,281)(4,281)
Total loans and leases, net of unearned income and deferred costs and fees$1,860 $7,977 $12,832 $22,669 $5,139,834 $5,162,503 
December 31, 2021
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$0 $0 $0 $0 $99,172 $99,172 
Commercial and industrial other506 6 88 600 698,521 699,121 
PPP loans0 0 0 0 71,260 71,260 
Subtotal commercial and industrial506 6 88 600 868,953 869,553 
Commercial real estate
Construction0 0 0 0 178,582 178,582 
Agriculture121 0 0 121 195,852 195,973 
Commercial real estate other150 257 3,305 3,712 2,274,887 2,278,599 
Subtotal commercial real estate271 257 3,305 3,833 2,649,321 2,653,154 
Residential real estate
Home equity441 417 798 1,656 181,015 182,671 
Mortgages7 839 3,917 4,763 1,286,148 1,290,911 
Subtotal residential real estate448 1,256 4,715 6,419 1,467,163 1,473,582 
Consumer and other
Indirect77 86 2 165 4,490 4,655 
Consumer and other120 45 45 210 67,186 67,396 
Subtotal consumer and other197 131 47 375 71,676 72,051 
Leases0 0 0 0 13,948 13,948 
Total loans and leases1,422 1,650 8,155 11,227 5,071,061 5,082,288 
Less: unearned income and deferred costs and fees0 0 0 0 (6,821)(6,821)
Total loans and leases, net of unearned income and deferred costs and fees$1,422 $1,650 $8,155 $11,227 $5,064,240 $5,075,467 
The following tables present the amortized cost basis of loans on nonaccrual status and the amortized cost basis of loans on nonaccrual status for which there was no related allowance for credit losses. The below tables are an age analysis of nonaccrual loans segregated by class of loans, as of June 30, 2022 and December 31, 2021:

June 30, 2022
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
Loans and Leases
Commercial and industrial
Commercial and industrial other$92 $293 $62 
Subtotal commercial and industrial92 293 62 
Commercial real estate
Construction340 0 0 
Commercial real estate other11,354 12,545 0 
Subtotal commercial real estate11,694 12,545 0 
Residential real estate
Home equity419 2,506 0 
Mortgages980 9,030 0 
Subtotal residential real estate1,399 11,536 0 
Consumer and other
Indirect0 175 0 
Consumer and other0 116 0 
Subtotal consumer and other0 291 0 
Total loans and leases$13,185 $24,665 $62 
December 31, 2021
(In thousands)Nonaccrual Loans and Leases with no ACLNonaccrual Loans and LeasesLoans and Leases Past Due Over 89 Days and Accruing
Loans and Leases
Commercial and industrial
Commercial and industrial other$502 $533 $0 
Subtotal commercial and industrial502 533 0 
Commercial real estate
Construction671 671 0 
Agriculture348 456 0 
Commercial real estate other12,483 12,766 0 
Subtotal commercial real estate13,502 13,893 0 
Residential real estate
Home equity380 2,459 0 
Mortgages716 8,719 0 
Subtotal residential real estate1,096 11,178 0 
Consumer and other
Indirect1 246 0 
Consumer and other0 183 0 
Subtotal consumer and other1 429 0 
Total loans and leases$15,101 $26,033 $0 
The Company recognized $0 of interest income on nonaccrual loans during the three and six months ended June 30, 2022 and 2021.