Credit Quality Indicators (Tables)

3 Months Ended

Mar. 31, 2016

Risk Category of Loans by Class of Loans

As of March 31, 2016 and December 31, 2015, 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		Doubtful		Total
March 31, 2016
Originated loans:
Commercial real estate
Owner occupied	$	106,803	$	1,053	$	4,336	$	0	$	112,192
Non-owner occupied		146,493		444		2,818		0		149,755
Other		49,542		0		289		0		49,831
Commercial		165,376		926		2,096		0		168,398
Total originated loans	$	468,214	$	2,423	$	9,539	$	0	$	480,176
Acquired loans:
Commercial real estate
Owner occupied	$	129,709	$	783	$	2,020	$	0	$	132,512
Non-owner occupied		25,975		736		391		0		27,102
Other		18,723		476		198		0		19,397
Commercial		61,053		1,594		3,036		0		65,683
Total acquired loans	$	235,460	$	3,589	$	5,645	$	0	$	244,694
Total loans	$	703,674	$	6,012	$	15,184	$	0	$	724,870

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Doubtful		Total
December 31, 2015
Originated loans:
Commercial real estate
Owner occupied	$	107,222	$	1,069	$	4,588	$	0	$	112,879
Non-owner occupied		135,847		461		2,861		0		139,169
Other		50,376		0		295		0		50,671
Commercial		154,215		939		1,973		0		157,127
Total originated loans	$	447,660	$	2,469	$	9,717	$	0	$	459,846
Acquired loans:
Commercial real estate
Owner occupied	$	130,028	$	0	$	1,645	$	0	$	131,673
Non-owner occupied		26,141		1,340		564		0		28,045
Other		22,843		476		217		0		23,536
Commercial		69,674		635		3,312		0		73,621
Total acquired loans	$	248,686	$	2,451	$	5,738	$	0	$	256,875
Total loans	$	696,346	$	4,920	$	15,455	$	0	$	716,721

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

The following table presents the recorded investment in residential, consumer indirect and direct auto loans based on payment activity as of March 31, 2016 and December 31, 2015. 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
March 31, 2016
Originated loans:
Performing	$	188,865	$	43,843	$	130,852	$	20,116	$	4,699
Nonperforming		2,645		191		338		19		10
Total originated loans	$	191,510	$	44,034	$	131,190	$	20,135	$	4,709
Acquired loans:
Performing	$	129,346	$	39,377	$	0	$	28,589	$	275
Nonperforming		1,199		131		0		136		0
Total acquired loans		130,545		39,508		0		28,725		275
Total loans	$	322,055	$	83,542	$	131,190	$	48,860	$	4,984

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2015
Originated loans:
Performing	$	176,472	$	40,984	$	130,864	$	17,440	$	4,484
Nonperforming		2,742		239		563		33		24
Total originated loans	$	179,214	$	41,223	$	131,427	$	17,473	$	4,508
Acquired loans:
Performing	$	132,776	$	40,797	$	0	$	31,254	$	204
Nonperforming		925		132		0		211		0
Total acquired loans		133,701		40,929		0		31,465		204
Total loans	$	312,915	$	82,152	$	131,427	$	48,938	$	4,712