Credit Quality Indicators (Tables)

6 Months Ended

Jun. 30, 2022

Risks and Uncertainties [Abstract]

Risk Category of Loans by Class of Loans

As of June 30, 2022 and December 31, 2021, and based on the most recent analysis performed, the risk category of loans by class of loans is as follows:

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
June 30, 2022
Commercial real estate
Owner occupied	$	334,589	$	1,279	$	4,947	$	340,815
Non-owner occupied		541,462		12,769		19,260		573,491
Farmland		173,341		2,131		439		175,911
Other		124,250		0		364		124,614
Commercial
Commercial and industrial		279,870		882		5,517		286,269
Agricultural		53,945		501		109		54,555
Total loans	$	1,507,457	$	17,562	$	30,636	$	1,555,655

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
December 31, 2021
Commercial real estate
Owner occupied	$	330,754	$	5,006	$	4,214	$	339,974
Non-owner occupied		495,170		19,366		18,170		532,706
Farmland		174,580		2,160		677		177,417
Other		137,063		784		147		137,994
Commercial
Commercial and industrial		301,879		1,190		9,463		312,532
Agricultural		54,394		397		83		54,874
Total loans	$	1,493,840	$	28,903	$	32,754	$	1,555,497

Investment in Residential, Consumer and Indirect Auto Loans Based on Payment Activity

The following tables present the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of June 30, 2022 and December 31, 2021. Nonperforming loans are loans past due 90 days or more and still accruing interest and nonaccrual loans.

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
June 30, 2022
Performing	$	459,819	$	128,583	$	198,795	$	17,883	$	8,299
Nonperforming		3,947		836		448		220		0
Total loans	$	463,766	$	129,419	$	199,243	$	18,103	$	8,299

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2021
Performing	$	448,970	$	126,497	$	164,182	$	20,908	$	9,395
Nonperforming		3,822		953		578		280		6
Total loans	$	452,792	$	127,450	$	164,760	$	21,188	$	9,401

Risk Categories and Year of Origination

The following table presents total loans by risk categories and year of origination.

	Term Loans Amortized Cost Basis by Origination Year
													Revolving
As of June 30, 2022	2022		2021		2020		2019		2018		Prior		Loans		Total
Commercial real estate
Risk Rating
Pass	$	112,301	$	173,000	$	136,064	$	157,325	$	108,160	$	298,149	$	15,302	$	1,000,301
Special mention		0		768		0		5,379		909		6,480		512		14,048
Substandard		0		0		438		2,496		0		20,994		643		24,571
Total commercial real estate loans	$	112,301	$	173,768	$	136,502	$	165,200	$	109,069	$	325,623	$	16,457	$	1,038,920

Commercial and industrial
Risk Rating
Pass	$	59,270	$	55,273	$	41,450	$	21,105	$	17,388	$	17,983	$	67,401	$	279,870
Special mention		0		343		0		118		0		2		419		882
Substandard		6		1,868		704		291		225		1,558		865		5,517
Total commercial loans	$	59,276	$	57,484	$	42,154	$	21,514	$	17,613	$	19,543	$	68,685	$	286,269
Agricultural
Risk Rating
Pass	$	19,261	$	41,041	$	47,460	$	25,504	$	26,016	$	49,030	$	18,974	$	227,286
Special mention		0		0		222		29		0		2,031		350		2,632
Substandard		0		368		36		54		10		50		30		548
Total agricultural loans	$	19,261	$	41,409	$	47,718	$	25,587	$	26,026	$	51,111	$	19,354	$	230,466
Residential real estate
Risk Rating
Pass	$	45,241	$	107,505	$	81,495	$	34,747	$	25,755	$	155,938	$	3,730	$	454,411
Special mention		0		0		72		124		79		133		0		408
Substandard		0		44		143		128		62		8,570		0		8,947
Total residential real estate loans	$	45,241	$	107,549	$	81,710	$	34,999	$	25,896	$	164,641	$	3,730	$	463,766
Home equity lines of credit
Risk Rating
Pass	$	0	$	0	$	29	$	0	$	18	$	1,839	$	125,563	$	127,449
Special mention		0		0		0		0		0		0		48		48
Substandard		0		13		85		50		64		1,593		117		1,922
Total home equity lines of credit	$	0	$	13	$	114	$	50	$	82	$	3,432	$	125,728	$	129,419
Consumer
Risk Rating
Pass	$	66,912	$	54,507	$	38,378	$	27,197	$	15,059	$	15,076	$	7,487	$	224,616
Substandard		21		109		288		213		90		308		0		1,029
Total consumer loans	$	66,933	$	54,616	$	38,666	$	27,410	$	15,149	$	15,384	$	7,487	$	225,645

Schedule of Outstanding Balance and Related Allowance on Loans

The outstanding balance at June 30, 2022 and related allowance on these loans is as follows:

	Loan Balance		ACL Balance
Commercial real estate
Owner Occupied	$	1,777	$	26
Non-owner Occupied		19,763		551
Other		257		18
		21,797		595
Commercial
Commercial and industrial		1,668		105
Residential real estate
1-4 family residential		494		3
Total	$	23,959	$	703