ALLOWANCE FOR CREDIT LOSSES

12 Months Ended

Dec. 31, 2024

ALLOWANCE FOR CREDIT LOSSES

ALLOWANCE FOR CREDIT LOSSES

7. ALLOWANCE FOR CREDIT LOSSES:

The following table presents the activity of the allowance for credit losses by portfolio segment for the years ended December 31, 2024, 2023 and 2022.

Allowance for Credit Losses:			December 31, 2024
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	13,264	$	14,327	$	11,797	$	379	$	39,767
PCD ACL on acquired loans		3,006		—		—		—		3,006
Provision for credit losses		6,637		3,035		6,620		(126)		16,166
Loans charged -off		(7,890)		(343)		(11,056)		—		(19,289)
Recoveries		1,946		451		4,685		—		7,082
Ending Balance	$	16,963	$	17,470	$	12,046	$	253	$	46,732

Allowance for Credit Losses:			December 31, 2023
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	12,949	$	14,568	$	12,104	$	158	$	39,779
Provision for credit losses		198		(317)		7,193		221		7,295
Loans charged -off		(966)		(216)		(14,314)		—		(15,496)
Recoveries		1,083		292		6,814		—		8,189
Ending Balance	$	13,264	$	14,327	$	11,797	$	379	$	39,767

Allowance for Credit Losses:			December 31, 2022
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	18,883	$	18,316	$	10,721	$	385	$	48,305
Provision for credit losses		(4,079)		(3,850)		6,131		(227)		(2,025)
Loans charged off		(3,917)		(657)		(11,132)		—		(15,706)
Recoveries		2,062		759		6,384		—		9,205
Ending Balance	$	12,949	$	14,568	$	12,104	$	158	$	39,779

The following tables present the recorded investment in nonperforming loans by class of loans.

	December 31, 2024
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days Still				Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	43	$	2,092	$	—
Farmland		—		1,047		806
Non Farm, Non Residential		—		1,733		897
Agriculture		—		644		623
All Other Commercial		—		1,181		1,116
Residential
First Liens		459		1,464		694
Home Equity		822		107		—
Junior Liens		243		85		27
Multifamily		321		291		225
All Other Residential		—		103		46
Consumer
Motor Vehicle		—		2,364		—
All Other Consumer		—		368		—
TOTAL	$	1,888	$	11,479	$	4,434

	December 31, 2023
	Loans Past				Nonaccrual
	Due Over				With No
	90 Days Still				Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	5	$	13,971	$	860
Farmland		—		1,221		1,201
Non Farm, Non Residential		—		995		1,011
Agriculture		—		1,147		1,103
All Other Commercial		—		1,046		1,027
Residential
First Liens		620		960		—
Home Equity		32		68		—
Junior Liens		239		67		—
Multifamily		47		543		373
All Other Residential		—		427		—
Consumer
Motor Vehicle		45		2,933		—
All Other Consumer		—		218		—
TOTAL	$	988	$	23,596	$	5,575

Loan Modifications Made to Borrowers Experiencing Financial Difficulty:

Modification of the terms of such loans typically include one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; or a permanent reduction of the recorded investment in the loan.

The following table presents the amortized cost of loans and leases at December 31, 2024 that were both experiencing financial difficulty and modified during the twelve months ended December 31, 2024, by class and by type of modification. The percentage of the amortized cost of loans and leases that were modified to borrowers in financial distress as compared to the amortized cost of each class of financial receivable is also presented below.

										Combination		Combination
										Term		Term		Total
										Extension and		Extension		Class of
	Principal		Payment		Term		Interest Rate			Principal		Interest Rate		Financing
(Dollar amounts in thousands)	Forgiveness		Delay		Extension		Reduction		Forgiveness		Reduction		Receivable
Residential
First Liens	$	—	$	—	$	—	$	—	$	—	$	—		0.00	%
Junior Liens		—		—		—		64		—		—		0.10	%
Multifamily		—		—		—		—		—		—		0.00	%
Consumer
Motor Vehicle		25		—		138		25		81		82		0.06	%
TOTAL	$	25	$	—	$	138	$	89	$	81	$	82		0.01	%

The Company closely monitors the performance of loans and leases that have been modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. All loans and leases that have been modified during the twelve months ended December 31, 2024 are in a current status of repayment.

The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended December 31, 2024.

			Weighted-			Weighted-
			Average			Average
	Principal		Interest Rate			Term
(Dollar amounts in thousands)	Forgiveness		Reduction			Extension
Residential
First Liens	$	—		—	%		—
Junior Liens	$	—		1.38	%		—
Consumer
Motor Vehicle		61		3.49	%		17
TOTAL	$	61		2.70	%		17

There were no modified loans that had a payment default during the twelve months ended December 31, 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms.

Upon the Corporation’s determination that a modified loan has subsequently been deemed uncollectible, the loan is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.

The following table presents the amortized cost basis of collateral dependent loans by class of loans:

	December 31, 2024
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	1	$	5,978
Farmland		996		—
Non Farm, Non Residential		4,111		—
Agriculture		—		623
All Other Commercial		1,116		—
Residential
First Liens		694		—
Home Equity		—		—
Junior Liens		27		—
Multifamily		225		—
All Other Residential		46		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	7,216	$	6,601

	December 31, 2023
	Collateral Type
(Dollar amounts in thousands)	Real Estate		Other
Commercial
Commercial & Industrial	$	1,454	$	12,056
Farmland		1,633		—
Non Farm, Non Residential		3,919		—
Agriculture		49		1,054
All Other Commercial		1,027		—
Residential
First Liens		32		—
Home Equity		—		—
Junior Liens		—		—
Multifamily		373		—
All Other Residential		349		—
Consumer
Motor Vehicle		—		—
All Other Consumer		—		—
Total	$	8,836	$	13,110

The following tables present the aging of the recorded investment in loans by past due category and class of loans.

	December 31, 2024
					90 Days
	30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	746	$	768	$	208	$	1,722	$	571,244	$	572,966
Farmland		598		—		806		1,404		131,582		132,986
Non Farm, Non Residential		1,619		—		—		1,619		811,252		812,871
Agriculture		—		—		642		642		148,647		149,289
All Other Commercial		1,297		152		—		1,449		540,948		542,397
Residential
First Liens		4,304		1,361		1,224		6,889		444,792		451,681
Home Equity		639		157		906		1,702		88,137		89,839
Junior Liens		356		101		290		747		64,154		64,901
Multifamily		529		74		345		948		318,763		319,711
All Other Residential		25		—		108		133		44,477		44,610
Consumer
Motor Vehicle		10,176		1,435		808		12,419		627,119		639,538
All Other Consumer		555		122		123		800		30,843		31,643
TOTAL	$	20,844	$	4,170	$	5,460	$	30,474	$	3,821,958	$	3,852,432

	December 31, 2023
					90 Days
	30-59 Days		60-89 Days		and Greater		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	668	$	488	$	1,136	$	2,292	$	649,801	$	652,093
Farmland		58		—		1,201		1,259		132,147		133,406
Non Farm, Non Residential		—		—		—		—		439,009		439,009
Agriculture		—		—		1,141		1,141		139,900		141,041
All Other Commercial		—		—		—		—		464,776		464,776
Residential
First Liens		2,841		816		924		4,581		354,711		359,292
Home Equity		360		188		71		619		65,191		65,810
Junior Liens		462		124		262		848		57,985		58,833
Multifamily		117		140		373		630		191,104		191,734
All Other Residential		554		—		47		601		21,961		22,562
Consumer
Motor Vehicle		12,491		1,754		761		15,006		602,442		617,448
All Other Consumer		397		102		13		512		31,857		32,369
TOTAL	$	17,948	$	3,612	$	5,929	$	27,489	$	3,150,884	$	3,178,373

Credit Quality Indicators:

The Corporation categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. The Corporation analyzes loans individually by classifying the loans as to credit risk. This analysis includes non-homogeneous loans, such as commercial loans, with an outstanding balance greater than $100 thousand. Any consumer loans outstanding to a borrower who had commercial loans analyzed will be similarly risk rated. This analysis is performed on a quarterly basis. The Corporation uses the following definitions for risk ratings:

Special Mention: Loans classified as special mention have a potential weakness that deserves management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date.

Substandard: Loans classified as substandard are inadequately protected by the current net worth and debt service capacity of the borrower or of any pledged collateral. These loans have a well-defined weakness or weaknesses which have clearly jeopardized repayment of principal and interest as originally intended. They are characterized by the distinct possibility that the institution will sustain some future loss if the deficiencies are not corrected.

Doubtful: Loans classified as doubtful have all the weaknesses inherent in those graded substandard, with the added characteristic that the severity of the weaknesses makes collection or liquidation in full highly questionable or improbable based upon currently existing facts, conditions, and values.

Furthermore, non-homogeneous loans which were not individually analyzed, but are 90+ days past due or on non-accrual are classified as substandard. Loans included in homogeneous pools, such as residential or consumer, may be classified as substandard due to 90+ days delinquency, non-accrual status, bankruptcy, or loan restructuring.

Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Loans listed as not rated are either less than $100 thousand or are included in groups of homogeneous loans.

The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest:

		December 31, 2024
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2024		2023		2022		2021		2020		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	92,372	$	38,454	$	104,695	$	76,691	$	35,180	$	90,984	$	85,448	$	523,824
	Special Mention		354		137		870		9,953		2,931		1,052		1,078	$	16,375
	Substandard		4,464		3,461		233		1,478		374		10,244		5,904	$	26,158
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		2,041		924		735		353		153		75		—	$	4,281
	Subtotal	$	99,231	$	42,976	$	106,533	$	88,475	$	38,638	$	102,355	$	92,430	$	570,638
	Current period gross charge-offs	$	-	$	-	$	1,982	$	4,716	$	54	$	96	$	-	$	6,848
Farmland	Pass	$	12,676	$	19,782	$	15,526	$	20,086	$	7,565	$	51,413	$	494	$	127,542
	Special Mention		—		—		—		—		—		817		—	$	817
	Substandard		—		—		35		237		—		1,292		—	$	1,564
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		11		—	$	11
	Subtotal	$	12,676	$	19,782	$	15,561	$	20,323	$	7,565	$	53,533	$	494	$	129,934
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	145,512	$	85,201	$	162,233	$	167,505	$	40,094	$	164,625	$	19,286	$	784,456
	Special Mention		—		107		411		12,976		—		—		—	$	13,494
	Substandard		636		50		2,596		2,736		102		5,602		—	$	11,722
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		658		62		—	$	720
	Subtotal	$	146,148	$	85,358	$	165,240	$	183,217	$	40,854	$	170,289	$	19,286	$	810,392
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Agriculture	Pass	$	12,492	$	7,810	$	9,281	$	4,815	$	4,824	$	20,925	$	81,991	$	142,138
	Special Mention		—		—		84		—		5		1,353		1,750	$	3,192
	Substandard		—		—		—		—		—		649		—	$	649
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		12		—		27		23		13		—		—	$	75
	Subtotal	$	12,504	$	7,810	$	9,392	$	4,838	$	4,842	$	22,927	$	83,741	$	146,054
	Current period gross charge-offs	$	-	$	-	$	53	$	-	$	-	$	-	$	-	$	53
Other Commercial	Pass	$	61,991	$	56,715	$	99,257	$	112,668	$	93,030	$	102,823	$	10,435	$	536,919
	Special Mention		—		—		—		—		—		758		—	$	758
	Substandard		—		—		940		—		21		240		—	$	1,201
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		26		—		9		420		—	$	455
	Subtotal	$	61,991	$	56,715	$	100,223	$	112,668	$	93,060	$	104,241	$	10,435	$	539,333
	Current period gross charge-offs	$	889	$	100	$	-	$	-	$	-	$	-	$	-	$	989
Residential
Multifamily >5 Residential	Pass	$	78,426	$	65,289	$	58,565	$	42,191	$	22,950	$	26,018	$	4,662	$	298,101
	Special Mention		—		—		12,538		—		342		6,259		—	$	19,139
	Substandard		—		—		225		—		—		24		—	$	249
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		424		—		653		—	$	1,077
	Subtotal	$	78,426	$	65,289	$	71,328	$	42,615	$	23,292	$	32,954	$	4,662	$	318,566
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	403,469	$	273,251	$	449,557	$	423,956	$	203,643	$	456,788	$	202,316	$	2,412,980
	Special Mention		354		244		13,903		22,929		3,278		10,239		2,828	$	53,775
	Substandard		5,100		3,511		4,029		4,451		497		18,051		5,904	$	41,543
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		2,053		924		788		800		833		1,221		—	$	6,619
		$	410,976	$	277,930	$	468,277	$	452,136	$	208,251	$	486,299	$	211,048	$	2,514,917

		December 31, 2023
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2023		2022		2021		2020		2019		Prior		Loans		Total
Commercial
Commercial and Industrial	Pass	$	80,873	$	131,522	$	112,811	$	47,445	$	44,257	$	100,872	$	81,551	$	599,331
	Special Mention		6		221		10,025		3,442		323		866		2,715	$	17,598
	Substandard		3,620		4,734		1,842		981		1,789		5,354		7,932	$	26,252
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		3,476		1,352		847		431		144		93		—	$	6,343
	Subtotal	$	87,975	$	137,829	$	125,525	$	52,299	$	46,513	$	107,185	$	92,198	$	649,524
	Current period gross charge-offs	$	8	$	72	$	40	$	78	$	24	$	49	$	-	$	271
Farmland	Pass	$	21,232	$	16,025	$	20,794	$	8,310	$	8,790	$	52,357	$	287	$	127,795
	Special Mention		—		—		4		—		363		710		—	$	1,077
	Substandard		—		—		—		41		309		1,370		—	$	1,720
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		—		—		14		—	$	14
	Subtotal	$	21,232	$	16,025	$	20,798	$	8,351	$	9,462	$	54,451	$	287	$	130,606
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Non Farm, Non Residential	Pass	$	73,740	$	123,319	$	69,477	$	23,965	$	22,550	$	106,752	$	7,606	$	427,409
	Special Mention		—		732		995		—		845		—		—	$	2,572
	Substandard		102		—		—		—		479		6,356		—	$	6,937
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		—		678		—		65		—	$	743
	Subtotal	$	73,842	$	124,051	$	70,472	$	24,643	$	23,874	$	113,173	$	7,606	$	437,661
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Agriculture	Pass	$	10,764	$	11,299	$	6,614	$	6,118	$	7,443	$	25,678	$	64,476	$	132,392
	Special Mention		—		86		—		8		—		605		3,618	$	4,317
	Substandard		—		55		—		—		50		1,067		—	$	1,172
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		51		31		35		24		—		—	$	141
	Subtotal	$	10,764	$	11,491	$	6,645	$	6,161	$	7,517	$	27,350	$	68,094	$	138,022
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Other Commercial	Pass	$	27,401	$	105,046	$	104,307	$	94,029	$	4,774	$	112,159	$	9,177	$	456,893
	Special Mention		—		—		—		2,478		—		830		—	$	3,308
	Substandard		—		1,027		16		—		—		—		—	$	1,043
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		12		—		—		—		457		—	$	469
	Subtotal	$	27,401	$	106,085	$	104,323	$	96,507	$	4,774	$	113,446	$	9,177	$	461,713
	Current period gross charge-offs	$	675	$	-	$	-	$	-	$	20	$	-	$	-	$	695
Residential
Multifamily >5 Residential	Pass	$	34,551	$	62,845	$	32,273	$	22,590	$	6,397	$	23,215	$	382	$	182,253
	Special Mention		—		—		—		357		—		6,571		—	$	6,928
	Substandard		—		—		—		—		—		373		—	$	373
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		—		—		1,102		—		—		251		—	$	1,353
	Subtotal	$	34,551	$	62,845	$	33,375	$	22,947	$	6,397	$	30,410	$	382	$	190,907
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Total	Pass	$	248,561	$	450,056	$	346,276	$	202,457	$	94,211	$	421,033	$	163,479	$	1,926,073
	Special Mention		6		1,039		11,024		6,285		1,531		9,582		6,333	$	35,800
	Substandard		3,722		5,816		1,858		1,022		2,627		14,520		7,932	$	37,497
	Doubtful		—		—		—		—		—		—		—	$	—
	Not Rated		3,476		1,415		1,980		1,144		168		880		—	$	9,063
		$	255,765	$	458,326	$	361,138	$	210,908	$	98,537	$	446,015	$	177,744	$	2,008,433

The Corporation evaluates the credit quality of its other loan portfolios, which includes residential real estate, consumer and lease financing loans, based primarily on the aging status of the loan and payment activity. Accordingly, loans on non-accrual status, loans past due 90 days or more and still accruing interest, and loans modified under troubled debt restructurings are considered to be nonperforming for purposes of credit quality evaluation. The following table presents the other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming. These balances do not include accrued interest:

		December 31, 2024
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2024		2023		2022		2021		2020		Prior		Loans		Total
Residential
First Liens	Performing	$	64,953	$	47,930	$	89,205	$	69,090	$	37,658	$	136,805	$	2,279	$	447,920
	Non-performing		—		—		—		180		113		2,019		—	$	2,312
	Subtotal	$	64,953	$	47,930	$	89,205	$	69,270	$	37,771	$	138,824	$	2,279	$	450,232
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	221	$	-	$	221
Home Equity	Performing	$	966	$	562	$	1,017	$	31	$	143	$	1,149	$	84,723	$	88,591
	Non-performing		—		—		41		—		38		108		720	$	907
	Subtotal	$	966	$	562	$	1,058	$	31	$	181	$	1,257	$	85,443	$	89,498
	Current period gross charge-offs	$	-	$	-	$	22	$	-	$	-	$	28	$	51	$	101
Junior Liens	Performing	$	16,989	$	12,371	$	12,590	$	6,431	$	5,200	$	9,229	$	1,578	$	64,388
	Non-performing		—		39		41		38		60		146		—	$	324
	Subtotal	$	16,989	$	12,410	$	12,631	$	6,469	$	5,260	$	9,375	$	1,578	$	64,712
	Current period gross charge-offs	$	-	$	15	$	-	$	-	$	-	$	-	$	-	$	15
Other Residential	Performing	$	17,542	$	13,123	$	6,960	$	4,392	$	628	$	1,559	$	53	$	44,257
	Non-performing		—		—		—		80		5		36		—	$	121
	Subtotal	$	17,542	$	13,123	$	6,960	$	4,472	$	633	$	1,595	$	53	$	44,378
	Current period gross charge-offs	$	-	$	-	$	-	$	6	$	-	$	-	$	-	$	6
Consumer
Motor Vehicle	Performing	$	247,368	$	187,134	$	139,251	$	37,043	$	20,130	$	3,290	$	11	$	634,227
	Non-performing		144		346		1,112		398		286		59		—	$	2,345
	Subtotal	$	247,512	$	187,480	$	140,363	$	37,441	$	20,416	$	3,349	$	11	$	636,572
	Current period gross charge-offs	$	478	$	2,692	$	4,839	$	1,751	$	587	$	97	$	-	$	10,444
Other Consumer	Performing	$	11,580	$	6,883	$	3,270	$	2,161	$	1,094	$	576	$	5,501	$	31,065
	Non-performing		32		92		155		75		24		3		40	$	421
	Subtotal	$	11,612	$	6,975	$	3,425	$	2,236	$	1,118	$	579	$	5,541	$	31,486
	Current period gross charge-offs	$	50	$	197	$	121	$	22	$	16	$	24	$	182	$	612
Total	Performing	$	359,398	$	268,003	$	252,293	$	119,148	$	64,853	$	152,608	$	94,145	$	1,310,448
	Non-performing		176		477		1,349		771		526		2,371		760	$	6,430
Total other loans		$	359,574	$	268,480	$	253,642	$	119,919	$	65,379	$	154,979	$	94,905	$	1,316,878

		December 31, 2023
		Term Loans at Amortized Cost Basis by Origination Year												Revolving
		2023		2022		2021		2020		2019		Prior		Loans		Total
Residential
First Liens	Performing	$	49,146	$	70,952	$	65,232	$	36,751	$	15,185	$	118,087	$	1,066	$	356,419
	Non-performing		—		121		—		65		57		1,504		—	$	1,747
	Subtotal	$	49,146	$	71,073	$	65,232	$	36,816	$	15,242	$	119,591	$	1,066	$	358,166
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	167	$	-	$	167
Home Equity	Performing	$	61	$	68	$	—	$	7	$	378	$	866	$	64,102	$	65,482
	Non-performing		—		22		—		17		—		60		—	$	99
	Subtotal	$	61	$	90	$	—	$	24	$	378	$	926	$	64,102	$	65,581
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	-	$	-	$	—
Junior Liens	Performing	$	15,050	$	15,431	$	8,248	$	5,557	$	4,280	$	8,094	$	1,698	$	58,358
	Non-performing		—		53		45		104		—		103		—	$	305
	Subtotal	$	15,050	$	15,484	$	8,293	$	5,661	$	4,280	$	8,197	$	1,698	$	58,663
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	24	$	24	$	-	$	48
Other Residential	Performing	$	6,432	$	9,477	$	3,100	$	421	$	641	$	1,511	$	415	$	21,997
	Non-performing		—		—		46		—		390		38		—	$	474
	Subtotal	$	6,432	$	9,477	$	3,146	$	421	$	1,031	$	1,549	$	415	$	22,471
	Current period gross charge-offs	$	-	$	-	$	-	$	-	$	-	$	1	$	-	$	1
Consumer
Motor Vehicle	Performing	$	264,933	$	215,125	$	70,926	$	46,939	$	12,038	$	2,177	$	—	$	612,138
	Non-performing		232		973		520		532		134		30		—	$	2,421
	Subtotal	$	265,165	$	216,098	$	71,446	$	47,471	$	12,172	$	2,207	$	—	$	614,559
	Current period gross charge-offs	$	841	$	7,722	$	3,101	$	1,448	$	499	$	174	$	-	$	13,785
Other Consumer	Performing	$	12,561	$	6,895	$	3,778	$	2,189	$	659	$	692	$	5,203	$	31,977
	Non-performing		—		20		145		39		17		—		1	$	222
	Subtotal	$	12,561	$	6,915	$	3,923	$	2,228	$	676	$	692	$	5,204	$	32,199
	Current period gross charge-offs	$	61	$	213	$	61	$	37	$	3	$	5	$	149	$	529
Total	Performing	$	348,183	$	317,948	$	151,284	$	91,864	$	33,181	$	131,427	$	72,484	$	1,146,371
	Non-performing		232		1,189		756		757		598		1,735		1	$	5,268
Total other loans		$	348,415	$	319,137	$	152,040	$	92,621	$	33,779	$	133,162	$	72,485	$	1,151,639