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Loans and Leases
 9 Months Ended
Sep. 30, 2023
Receivables [Abstract]  
Loans and Leases Loans and Leases
Loans and leases at September 30, 2023 and December 31, 2022 were as follows:
(In thousands)9/30/202312/31/2022
Commercial and industrial
Agriculture$77,720 $85,073 
Commercial and industrial other695,445 705,700 
PPP loans*488 756 
Subtotal commercial and industrial773,653 791,529 
Commercial real estate
Construction270,961 201,116 
Agriculture218,144 214,963 
Commercial real estate other2,507,164 2,437,339 
Subtotal commercial real estate2,996,269 2,853,418 
Residential real estate
Home equity187,387 188,623 
Mortgages1,368,292 1,346,318 
Subtotal residential real estate1,555,679 1,534,941 
Consumer and other
Indirect1,090 2,224 
Consumer and other97,165 75,412 
Subtotal consumer and other98,255 77,636 
Leases15,818 16,134 
Total loans and leases5,439,674 5,273,658 
Less: unearned income and deferred costs and fees(4,814)(4,747)
Total loans and leases, net of unearned income and deferred costs and fees$5,434,860 $5,268,911 
*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, 2022. 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, 2022. 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 September 30, 2023 and December 31, 2022:
 
September 30, 2023
(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 $77,720 $77,720
Commercial and industrial other3,316 170 3,014 6,500 688,945 695,445 
PPP loans*0 0 0 0 488 488 
Subtotal commercial and industrial3,316 170 3,014 6,500 767,153 773,653 
Commercial real estate
Construction863 0 0 863 270,098 270,961
Agriculture169 0 0 169 217,975 218,144
Commercial real estate other18,781 15,300 8,610 42,691 2,464,473 2,507,164
Subtotal commercial real estate19,813 15,300 8,610 43,723 2,952,546 2,996,269 
Residential real estate
Home equity751 8 1,443 2,202 185,185 187,387
Mortgages1,118 0 8,915 10,033 1,358,259 1,368,292
Subtotal residential real estate1,869 8 10,358 12,235 1,543,444 1,555,679 
Consumer and other
Indirect17 4 31 52 1,038 1,090
Consumer and other261 136 239 636 96,529 97,165
Subtotal consumer and other278 140 270 688 97,567 98,255 
Leases0 0 0 0 15,818 15,818 
Total loans and leases25,276 15,618 22,252 63,146 5,376,528 5,439,674 
Less: unearned income and deferred costs and fees0 0 0 0 (4,814)(4,814)
Total loans and leases, net of unearned income and deferred costs and fees$25,276 $15,618 $22,252 $63,146 $5,371,714 $5,434,860 
*SBA Paycheck Protection Program
December 31, 2022
(In thousands)30-59 Days60-89 Days90 Days or MoreTotal Past DueCurrent LoansTotal Loans
Loans and Leases
Commercial and industrial
Agriculture$58 $0 $0 $58 $85,015 $85,073 
Commercial and industrial other50 381 82 513 705,187 705,700 
PPP loans*0 0 0 0 756 756 
Subtotal commercial and industrial108 381 82 571 790,958 791,529 
Commercial real estate
Construction0 0 0 0 201,116 201,116 
Agriculture128 0 0 128 214,835 214,963 
Commercial real estate other0 0 11,449 11,449 2,425,890 2,437,339 
Subtotal commercial real estate128 0 11,449 11,577 2,841,841 2,853,418 
Residential real estate
Home equity435 204 1,628 2,267 186,356 188,623 
Mortgages1,748 0 6,802 8,550 1,337,768 1,346,318 
Subtotal residential real estate2,183 204 8,430 10,817 1,524,124 1,534,941 
Consumer and other
Indirect66 31 53 150 2,074 2,224 
Consumer and other52 19 112 183 75,229 75,412 
Subtotal consumer and other118 50 165 333 77,303 77,636 
Leases0 0 0 0 16,134 16,134 
Total loans and leases2,537 635 20,126 23,298 5,250,360 5,273,658 
Less: unearned income and deferred costs and fees0 0 0 0 (4,747)(4,747)
Total loans and leases, net of unearned income and deferred costs and fees$2,537 $635 $20,126 $23,298 $5,245,613 $5,268,911 
*SBA Paycheck Protection Program
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 September 30, 2023 and December 31, 2022:

September 30, 2023
(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$2,494 $3,163 $0 
Subtotal commercial and industrial2,494 3,163 0 
Commercial real estate
Agriculture0 174 0 
Commercial real estate other7,033 10,760 0 
Subtotal commercial real estate7,033 10,934 0 
Residential real estate
Home equity0 3,112 0 
Mortgages0 13,812 1 
Subtotal residential real estate0 16,924 1 
Consumer and other
Indirect0 67 0 
Consumer and other0 293 51 
Subtotal consumer and other0 360 51 
Total loans and leases$9,527 $31,381 $52 

December 31, 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$411 $618 $25 
Subtotal commercial and industrial411 618 25 
Commercial real estate
Agriculture186 186 0 
Commercial real estate other13,101 13,672 0 
Subtotal commercial real estate13,287 13,858 0 
Residential real estate
Home equity318 2,391 0 
Mortgages1,177 11,153 0 
Subtotal residential real estate1,495 13,544 0 
Consumer and other
Indirect0 94 0 
Consumer and other0 175 0 
Subtotal consumer and other0 269 0 
Total loans and leases$15,193 $28,289 $25 
The Company recognized $0 of interest income on nonaccrual loans during the three and nine months ended September 30, 2023 and 2022.