Credit Quality Indicators (Tables)

9 Months Ended

Sep. 30, 2018

Risk Category of Loans by Class of Loans

As of September 30, 2018 and December 31, 2017, 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
September 30, 2018
Originated loans:
Commercial real estate
Owner occupied	$	150,728	$	971	$	1,015	$	152,714
Non-owner occupied		239,817		377		110		240,304
Farmland		94,808		0		74		94,882
Other		91,417		0		256		91,673
Commercial
Commercial and industrial		206,823		3,464		2,879		213,166
Agricultural		33,361		13		672		34,046
Total originated loans	$	816,954	$	4,825	$	5,006	$	826,785
Acquired loans:
Commercial real estate
Owner occupied	$	46,279	$	443	$	778	$	47,500
Non-owner occupied		17,832		60		229		18,121
Farmland		38,041		449		3,766		42,256
Other		10,060		0		662		10,722
Commercial
Commercial and industrial		17,910		195		1,529		19,634
Agricultural		9,905		346		597		10,848
Total acquired loans	$	140,027	$	1,493	$	7,561	$	149,081
Total loans	$	956,981	$	6,318	$	12,567	$	975,866

(In Thousands of Dollars)	Pass		Special Mention		Sub standard		Total
December 31, 2017
Originated loans:
Commercial real estate
Owner occupied	$	137,913	$	442	$	1,571	$	139,926
Non-owner occupied		198,043		419		126		198,588
Farmland		70,354		44		45		70,443
Other		88,421		36		246		88,703
Commercial
Commercial and industrial		184,444		5,326		3,109		192,879
Agricultural		32,291		192		198		32,681
Total originated loans	$	711,466	$	6,459	$	5,295	$	723,220
Acquired loans:
Commercial real estate
Owner occupied	$	51,133	$	466	$	1,452	$	53,051
Non-owner occupied		19,823		63		372		20,258
Farmland		43,694		3,304		757		47,755
Other		11,299		567		110		11,976
Commercial
Commercial and industrial		25,286		2		1,806		27,094
Agricultural		11,200		554		453		12,207
Total acquired loans	$	162,435	$	4,956	$	4,950	$	172,341
Total loans	$	873,901	$	11,415	$	10,245	$	895,561

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 September 30, 2018 and December 31, 2017. 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
September 30, 2018
Originated loans:
Performing	$	298,725	$	77,312	$	173,542	$	30,678	$	10,871
Nonperforming		3,889		793		572		170		3
Total originated loans	$	302,614	$	78,105	$	174,114	$	30,848	$	10,874
Acquired loans:
Performing	$	82,164	$	24,866	$	0	$	10,326	$	157
Nonperforming		1,102		299		0		197		0
Total acquired loans		83,266		25,165		0		10,523		157
Total loans	$	385,880	$	103,270	$	174,114	$	41,371	$	11,031

	Residential Real Estate				Consumer
(In Thousands of Dollars)	1-4 Family Residential		Home Equity Lines of Credit		Indirect		Direct		Other
December 31, 2017
Originated loans:
Performing	$	268,785	$	70,927	$	160,030	$	28,490	$	8,862
Nonperforming		3,046		610		818		216		14
Total originated loans	$	271,831	$	71,537	$	160,848	$	28,706	$	8,876
Acquired loans:
Performing	$	96,079	$	28,585	$	0	$	14,223	$	128
Nonperforming		682		170		0		155		0
Total acquired loans		96,761		28,755		0		14,378		128
Total loans	$	368,592	$	100,292	$	160,848	$	43,084	$	9,004