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Credit Quality Indicators (Tables)
9 Months Ended
Sep. 30, 2020
Risks And Uncertainties [Abstract]  
Risk Category of Loans by Class of Loans

As of September 30, 2020 and December 31, 2019, 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, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 

$

199,015

 

 

$

5,334

 

 

$

1,414

 

 

$

205,763

 

Non-owner occupied

 

 

301,461

 

 

 

0

 

 

 

7,233

 

 

 

308,694

 

Farmland

 

 

140,681

 

 

 

1,795

 

 

 

371

 

 

 

142,847

 

Other

 

 

75,680

 

 

 

388

 

 

 

176

 

 

 

76,244

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

444,855

 

 

 

1,934

 

 

 

7,228

 

 

 

454,017

 

Agricultural

 

 

42,429

 

 

 

36

 

 

 

288

 

 

 

42,753

 

Total originated loans

 

$

1,204,121

 

 

$

9,487

 

 

$

16,710

 

 

$

1,230,318

 

Acquired loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 

$

45,223

 

 

$

93

 

 

$

1,013

 

 

$

46,329

 

Non-owner occupied

 

 

55,775

 

 

 

51

 

 

 

619

 

 

 

56,445

 

Farmland

 

 

26,956

 

 

 

0

 

 

 

2,066

 

 

 

29,022

 

Other

 

 

16,054

 

 

 

0

 

 

 

65

 

 

 

16,119

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

19,511

 

 

 

0

 

 

 

2,515

 

 

 

22,026

 

Agricultural

 

 

4,816

 

 

 

334

 

 

 

67

 

 

 

5,217

 

Total acquired loans

 

$

168,335

 

 

$

478

 

 

$

6,345

 

 

$

175,158

 

Total loans

 

$

1,372,456

 

 

$

9,965

 

 

$

23,055

 

 

$

1,405,476

 

 

(In Thousands of Dollars)

 

Pass

 

 

Special

Mention

 

 

Sub

standard

 

 

Total

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 

$

177,540

 

 

$

5,357

 

 

$

1,026

 

 

$

183,923

 

Non-owner occupied

 

 

279,103

 

 

 

7,374

 

 

 

47

 

 

 

286,524

 

Farmland

 

 

136,674

 

 

 

1,457

 

 

 

384

 

 

 

138,515

 

Other

 

 

93,082

 

 

 

0

 

 

 

189

 

 

 

93,271

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

238,351

 

 

 

1,673

 

 

 

3,784

 

 

 

243,808

 

Agricultural

 

 

46,283

 

 

 

6

 

 

 

33

 

 

 

46,322

 

Total originated loans

 

$

971,033

 

 

$

15,867

 

 

$

5,463

 

 

$

992,363

 

Acquired loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 

$

34,707

 

 

$

110

 

 

$

607

 

 

$

35,424

 

Non-owner occupied

 

 

10,246

 

 

 

54

 

 

 

119

 

 

 

10,419

 

Farmland

 

 

32,112

 

 

 

0

 

 

 

3,265

 

 

 

35,377

 

Other

 

 

5,891

 

 

 

0

 

 

 

69

 

 

 

5,960

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

10,570

 

 

 

0

 

 

 

1,080

 

 

 

11,650

 

Agricultural

 

 

5,617

 

 

 

317

 

 

 

113

 

 

 

6,047

 

Total acquired loans

 

$

99,143

 

 

$

481

 

 

$

5,253

 

 

$

104,877

 

Total loans

 

$

1,070,176

 

 

$

16,348

 

 

$

10,716

 

 

$

1,097,240

 

 

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, 2020 and December 31, 2019.  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, 2020

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

320,093

 

 

$

90,584

 

 

$

174,151

 

 

$

24,643

 

 

$

10,011

 

Nonperforming

 

 

1,146

 

 

 

620

 

 

 

639

 

 

 

243

 

 

 

1

 

Total originated loans

 

$

321,239

 

 

$

91,204

 

 

$

174,790

 

 

$

24,886

 

 

$

10,012

 

Acquired loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

89,361

 

 

$

18,381

 

 

$

0

 

 

$

5,992

 

 

$

90

 

Nonperforming

 

 

5,463

 

 

 

196

 

 

 

0

 

 

 

68

 

 

 

0

 

Total acquired loans

 

 

94,824

 

 

 

18,577

 

 

 

0

 

 

 

6,060

 

 

 

90

 

Total loans

 

$

416,063

 

 

$

109,781

 

 

$

174,790

 

 

$

30,946

 

 

$

10,102

 

 

 

 

Residential Real Estate

 

 

Consumer

 

(In Thousands of Dollars)

 

1-4 Family

Residential

 

 

Home

Equity Lines

of Credit

 

 

Indirect

 

 

Direct

 

 

Other

 

December 31, 2019

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Originated loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

322,554

 

 

$

91,291

 

 

$

171,037

 

 

$

27,358

 

 

$

9,478

 

Nonperforming

 

 

1,672

 

 

 

683

 

 

 

688

 

 

 

209

 

 

 

6

 

Total originated loans

 

$

324,226

 

 

$

91,974

 

 

$

171,725

 

 

$

27,567

 

 

$

9,484

 

Acquired loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Performing

 

$

62,611

 

 

$

19,397

 

 

$

0

 

 

$

5,893

 

 

$

154

 

Nonperforming

 

 

845

 

 

 

248

 

 

 

0

 

 

 

175

 

 

 

0

 

Total acquired loans

 

 

63,456

 

 

 

19,645

 

 

 

0

 

 

 

6,068

 

 

 

154

 

Total loans

 

$

387,682

 

 

$

111,619

 

 

$

171,725

 

 

$

33,635

 

 

$

9,638