Loans | NOTE 4 – LOANS Loans by class at year end were as follows: 2019 2018 Originated loans: Commercial real estate Owner occupied $ 184,311 $ 158,947 Non-owner occupied 287,160 256,124 Farmland 138,702 110,881 Other 93,501 94,527 Commercial Commercial and industrial 244,172 227,031 Agricultural 46,207 37,623 Residential real estate 1-4 family residential 324,964 307,794 Home equity lines of credit 91,958 82,690 Consumer Indirect 166,149 164,509 Direct 27,415 30,277 Other 9,485 11,894 Total originated loans $ 1,614,024 $ 1,482,297 Acquired loans: Commercial real estate Owner occupied $ 35,408 $ 44,872 Non-owner occupied 10,439 16,920 Farmland 35,377 40,983 Other 5,960 8,091 Commercial Commercial and industrial 11,651 18,141 Agricultural 6,047 9,526 Residential real estate 1-4 family residential 63,457 78,786 Home equity lines of credit 19,645 23,617 Consumer Direct 6,068 9,442 Other 154 162 Total acquired loans 194,206 250,540 Net deferred loan costs 3,309 3,003 Allowance for loan losses (14,487 ) (13,592 ) Net loans $ 1,797,052 $ 1,722,248 Purchased credit impaired loans As part of the NBOH acquisition in 2015 the Company acquired various loans that displayed evidence of deterioration of credit quality since origination and which was probable that all contractually required payments would not be collected. The carrying amounts and contractually required payments of these loans which are included in the loan balances above are summarized in the following tables: 2019 2018 Commercial real estate Non-owner occupied $ 225 $ 292 Commercial Commercial and industrial 725 899 Total outstanding balance $ 950 $ 1,191 Carrying amount, net of allowance of $0 in 2019 and 2018 $ 690 $ 903 Accretable yield, or income expected to be collected, is shown in the table below: 2019 2018 Beginning balance $ 93 $ 170 New loans purchased 0 0 Accretion of income (28 ) (77 ) Ending balance $ 65 $ 93 The key assumptions considered include probability of default and the amount of actual prepayments after the acquisition date. Prepayments affect the estimated life of the loans and could change the amount of interest income and principal expected to be collected. In reforecasting future estimated cash flows, credit loss expectations are adjusted as necessary. There were no adjustments to forecasted cash flows that impacted the allowance for loan losses for the years ended December 31, 2019 and 2018. The following tables present the activity in the allowance for loan losses by portfolio segment for years ended December 31, 2019, 2018 and 2017: December 31, 2019 Commercial Real Estate Commercial Residential Real Estate Consumer Unallocated Total Allowance for loan losses Beginning balance $ 5,036 $ 2,093 $ 2,837 $ 2,963 $ 663 $ 13,592 Provision for loan losses 848 417 380 732 73 2,450 Loans charged off (45 ) (200 ) (400 ) (1,702 ) 0 (2,347 ) Recoveries 4 13 58 717 0 792 Total ending allowance balance $ 5,843 $ 2,323 $ 2,875 $ 2,710 $ 736 $ 14,487 December 31, 2018 Commercial Real Estate Commercial Residential Real Estate Consumer Unallocated Total Allowance for loan losses Beginning balance $ 4,260 $ 2,011 $ 2,521 $ 2,848 $ 675 $ 12,315 Provision for loan losses 650 112 486 1,764 (12 ) 3,000 Loans charged off 0 (220 ) (318 ) (2,318 ) 0 (2,856 ) Recoveries 126 190 148 669 0 1,133 Total ending allowance balance $ 5,036 $ 2,093 $ 2,837 $ 2,963 $ 663 $ 13,592 December 31, 2017 Commercial Real Estate Commercial Residential Real Estate Consumer Unallocated Total Allowance for loan losses Beginning balance $ 3,577 $ 1,874 $ 2,205 $ 2,766 $ 430 $ 10,852 Provision for loan losses 298 446 378 1,983 245 3,350 Loans charged off (207 ) (375 ) (162 ) (2,542 ) 0 (3,286 ) Recoveries 592 66 100 641 0 1,399 Total ending allowance balance $ 4,260 $ 2,011 $ 2,521 $ 2,848 $ 675 $ 12,315 The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment, based on impairment method as of December 31, 2019 and 2018. The recorded investment in loans includes the unpaid principal balance and unamortized loan origination fees and costs, but excludes accrued interest receivable which is not considered to be material: December 31, 2019 Commercial Real Estate Commercial Residential Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 0 $ 2 $ 59 $ 0 $ 0 $ 61 Collectively evaluated for impairment 5,790 2,309 2,777 2,708 736 14,320 Acquired loans collectively evaluated for impairment 53 12 39 2 0 106 Acquired with deteriorated credit quality 0 0 0 0 0 0 Total ending allowance balance $ 5,843 $ 2,323 $ 2,875 $ 2,710 $ 736 $ 14,487 Loans: Loans individually evaluated for impairment $ 561 $ 205 $ 3,240 $ 247 $ 0 $ 4,253 Loans collectively evaluated for impairment 702,226 290,017 413,446 208,578 0 1,614,267 Acquired loans 86,431 17,110 82,615 6,173 0 192,329 Acquired with deteriorated credit quality 195 495 0 0 0 690 Total ending loans balance $ 789,413 $ 307,827 $ 499,301 $ 214,998 $ 0 $ 1,811,539 December 31, 2018 Commercial Real Estate Commercial Residential Real Estate Consumer Unallocated Total Allowance for loan losses: Ending allowance balance attributable to loans: Individually evaluated for impairment $ 6 $ 3 $ 267 $ 0 $ 0 $ 276 Collectively evaluated for impairment 4,981 2,075 2,534 2,960 663 13,213 Acquired loans collectively evaluated for impairment 49 15 36 3 0 103 Acquired with deteriorated credit quality 0 0 0 0 0 0 Total ending allowance balance $ 5,036 $ 2,093 $ 2,837 $ 2,963 $ 663 $ 13,592 Loans: Loans individually evaluated for impairment $ 790 $ 223 $ 4,627 $ 83 $ 0 $ 5,723 Loans collectively evaluated for impairment 618,729 264,208 385,702 212,130 0 1,480,769 Acquired loans 110,143 26,916 101,804 9,582 0 248,445 Acquired with deteriorated credit quality 262 641 0 0 0 903 Total ending loans balance $ 729,924 $ 291,988 $ 492,133 $ 221,795 $ 0 $ 1,735,840 The following tables present information related to impaired loans by class of loans as of and for years ended December 31, 2019 and 2018. The recorded investment in loans excludes accrued interest receivable due to immateriality. December 31, 2019 Unpaid Balance Recorded Investment Allowance Loan Allocated With no related allowance recorded: Commercial real estate Owner occupied $ 22 $ 8 $ 0 Non-owner occupied 38 34 0 Farmland 570 519 0 Commercial Commercial and industrial 179 141 0 Agricultural 11 11 0 Residential real estate 1-4 family residential 2,889 2,095 0 Home equity lines of credit 428 344 0 Consumer 480 247 0 Subtotal 4,617 3,399 0 With an allowance recorded: Commercial real estate Owner occupied 0 0 0 Non-owner occupied 0 0 0 Farmland 0 0 0 Commercial Commercial and industrial 53 53 2 Agricultural 0 0 0 Residential real estate 1-4 family residential 795 729 52 Home equity lines of credit 72 72 7 Consumer 0 0 0 Subtotal 920 854 61 Total $ 5,537 $ 4,253 $ 61 December 31, 2018 Unpaid Balance Recorded Investment Allowance Loan Allocated With no related allowance recorded: Commercial real estate Owner occupied $ 524 $ 494 $ 0 Non-owner occupied 40 38 0 Farmland 0 0 0 Commercial Commercial and industrial 191 162 0 Agricultural 0 0 0 Residential real estate 1-4 family residential 3,451 2,759 0 Home equity lines of credit 379 326 0 Consumer 174 83 0 Subtotal 4,759 3,862 0 With an allowance recorded: Commercial real estate Owner occupied 0 0 0 Non-owner occupied 0 0 0 Farmland 258 258 6 Commercial Commercial and industrial 61 61 3 Agricultural 0 0 0 Residential real estate 1-4 family residential 1,354 1,343 188 Home equity lines of credit 224 199 79 Consumer 0 0 0 Subtotal 1,897 1,861 276 Total $ 6,656 $ 5,723 $ 276 The following tables present the average recorded investment in impaired loans by class and interest income recognized by loan class for the years ended December 31, 2019, 2018 and 2017. December 31, 2019 Average Investment Interest Recognized With no related allowance recorded: Commercial real estate Owner occupied $ 273 $ 13 Non-owner occupied 36 1 Farmland 270 1 Commercial Commercial and industrial 152 11 Agricultural 7 0 Residential real estate 1-4 family residential 2,368 162 Home equity lines of credit 355 23 Consumer 178 22 Subtotal 3,639 233 With an allowance recorded: Commercial real estate Owner occupied 0 0 Non-owner occupied 0 0 Farmland 173 0 Commercial Commercial and industrial 57 4 Agricultural 0 0 Residential real estate 1-4 family residential 1,096 31 Home equity lines of credit 130 6 Consumer 11 0 Subtotal 1,467 41 Total $ 5,106 $ 274 December 31, 2018 Average Interest With no related allowance recorded: Commercial real estate Owner occupied $ 490 $ 30 Non-owner occupied 26 2 Farmland 0 0 Commercial Commercial and industrial 335 6 Agricultural 0 0 Residential real estate 1-4 family residential 2,769 186 Home equity lines of credit 309 16 Consumer 72 11 Subtotal 4,001 251 With an allowance recorded: Commercial real estate Owner occupied 0 0 Non-owner occupied 0 0 Farmland 193 0 Commercial Commercial and industrial 68 4 Agricultural 0 0 Residential real estate 1-4 family residential 1,778 47 Home equity lines of credit 166 7 Consumer 3 0 Subtotal 2,208 58 Total $ 6,209 $ 309 December 31, 2017 Average Investment Interest Recognized With no related allowance recorded: Commercial real estate Owner occupied $ 767 $ 10 Non-owner occupied 68 2 Farmland 12 0 Commercial Commercial and industrial 184 4 Agricultural 10 0 Residential real estate 1-4 family residential 2,343 138 Home equity lines of credit 299 15 Consumer 74 11 Subtotal 3,757 180 With an allowance recorded: Commercial real estate Owner occupied 134 6 Non-owner occupied 640 28 Farmland 63 0 Commercial Commercial and industrial 71 4 Agricultural 50 0 Residential real estate 1-4 family residential 837 29 Home equity lines of credit 95 3 Consumer 2 0 Subtotal 1,892 70 Total $ 5,649 $ 250 Cash basis interest income recognized and interest income recognized was materially equal for 2019, 2018 and 2017. Nonaccrual loans and loans past due 90 days still on accrual include both smaller balance homogeneous loans that are collectively evaluated for impairment and individually classified impaired loans. The following table presents the recorded investment in nonaccrual and loans past due 90 days or more still on accrual by class of loans as of December 31, 2019 and 2018: 2019 2018 Nonaccrual Loans 90 Still Accruing Nonaccrual Loans 90 Still Accruing Originated loans: Commercial real estate Owner occupied $ 6 $ 0 $ 340 $ 0 Non-owner occupied 0 0 0 0 Farmland 14 0 30 0 Commercial Commercial and industrial 567 0 122 0 Agricultural 0 0 158 0 Residential real estate 1-4 family residential 1,234 438 2,318 185 Home equity lines of credit 669 14 644 31 Consumer Indirect 568 120 346 369 Direct 139 70 54 200 Other 0 6 0 2 Total originated loans $ 3,197 $ 648 $ 4,012 $ 787 Acquired loans: Commercial real estate Owner occupied $ 0 $ 0 $ 0 $ 0 Non-owner occupied 102 0 82 0 Farmland 519 0 257 0 Commercial Commercial and industrial 602 0 824 0 Agricultural 9 0 291 0 Residential real estate 1-4 family residential 659 186 1,001 122 Home equity lines of credit 239 9 203 14 Consumer Direct 151 24 95 43 Total acquired loans $ 2,281 $ 219 $ 2,753 $ 179 Total loans $ 5,478 $ 867 $ 6,765 $ 966 The following tables present the aging of the recorded investment in past due loans as of December 31, 2019 and 2018 by class of loans: December 31, 2019 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due and Nonaccrual Total Past Due Loans Not Past Due Total Originated loans: Commercial real estate Owner occupied $ 87 $ 0 $ 6 $ 93 $ 183,830 $ 183,923 Non-owner occupied 2 0 0 2 286,522 286,524 Farmland 0 0 14 14 138,501 138,515 Other 0 0 0 0 93,271 93,271 Commercial Commercial and industrial 1,458 573 567 2,598 241,210 243,808 Agricultural 103 77 0 180 46,142 46,322 Residential real estate 1-4 family residential 3,811 207 1,672 5,690 318,536 324,226 Home equity lines of credit 270 21 683 974 91,000 91,974 Consumer Indirect 1,599 533 688 2,820 168,905 171,725 Direct 537 272 209 1,018 26,549 27,567 Other 153 26 6 185 9,299 9,484 Total originated loans: $ 8,020 $ 1,709 $ 3,845 $ 13,574 $ 1,603,765 $ 1,617,339 Acquired loans: Commercial real estate Owner occupied $ 0 $ 0 $ 0 $ 0 $ 35,424 $ 35,424 Non-owner occupied 0 0 102 102 10,317 10,419 Farmland 0 0 519 519 34,858 35,377 Other 69 0 0 69 5,891 5,960 Commercial Commercial and industrial 47 1 602 650 11,000 11,650 Agricultural 0 8 9 17 6,030 6,047 Residential real estate 1-4 family residential 1,159 448 845 2,452 61,004 63,456 Home equity lines of credit 56 8 248 312 19,333 19,645 Consumer Direct 347 21 175 543 5,525 6,068 Other 0 0 0 0 154 154 Total acquired loans $ 1,678 $ 486 $ 2,500 $ 4,664 $ 189,536 $ 194,200 Total loans $ 9,698 $ 2,195 $ 6,345 $ 18,238 $ 1,793,301 $ 1,811,539 December 31, 2018 30-59 Days Past Due 60-89 Days Past Due 90 Days or More Past Due and Nonaccrual Total Past Due Loans Not Past Due Total Originated loans: Commercial real estate Owner occupied $ 82 $ 0 $ 340 $ 422 $ 158,161 $ 158,583 Non-owner occupied 22 0 0 22 255,458 255,480 Farmland 184 0 30 214 110,547 110,761 Other 0 0 0 0 94,242 94,242 Commercial Commercial and industrial 159 0 122 281 226,320 226,601 Agricultural 69 10 158 237 37,484 37,721 Residential real estate 1-4 family residential 1,964 424 2,503 4,891 302,131 307,022 Home equity lines of credit 64 14 675 753 81,957 82,710 Consumer Indirect 1,714 755 715 3,184 166,622 169,806 Direct 714 340 254 1,308 29,183 30,491 Other 33 14 2 49 11,845 11,894 Total originated loans: $ 5,005 $ 1,557 $ 4,799 $ 11,361 $ 1,473,950 $ 1,485,311 Acquired loans: Commercial real estate Owner occupied $ 321 $ 0 $ 0 $ 321 $ 44,618 44,939 Non-owner occupied 0 0 82 82 16,764 16,846 Farmland 0 102 257 359 40,623 40,982 Other 0 0 0 0 8,091 8,091 Commercial Commercial and industrial 94 0 824 918 17,223 18,141 Agricultural 31 5 291 327 9,198 9,525 Residential real estate 1-4 family residential 750 229 1,123 2,102 76,682 78,784 Home equity lines of credit 208 0 217 425 23,192 23,617 Consumer Direct 318 257 138 713 8,729 9,442 Other 0 0 0 0 162 162 Total acquired loans $ 1,722 $ 593 $ 2,932 $ 5,247 $ 245,282 $ 250,529 Total loans $ 6,727 $ 2,150 $ 7,731 $ 16,608 $ 1,719,232 $ 1,735,840 Troubled Debt Restructurings: Total troubled debt restructurings were $4.6 million and $5.5 million at December 31, 2019 and 2018 respectively. The Company allocated $61 thousand and $72 thousand of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of December 31, 2019 and 2018, respectively. There were no commitments to lend additional amounts to borrowers with loans that were classified as troubled debt restructurings at December 31, 2019 and 2018. During the years ending December 31, 2019, 2018 and 2017, the terms of certain loans were modified as troubled debt restructurings. The modification of the terms of such loans included 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; a permanent increase of the recorded investment in the loan due to a protective advance to pay delinquent real estate taxes or advance new monies; an extension of an interest only period; a deferral of principal payments; a capitalization of interest and/or escrow or a legal concession. Troubled debt restructuring modifications involved a reduction of the notes stated interest rate in the range of 0.24% to 3.49%. There were also extensions of the maturity dates on these and other troubled debt restructurings in the range of two months to 132 months. The following tables present loans by class modified as troubled debt restructurings that occurred during the years ending December 31, 2019, 2018 and 2017: Pre- Modification Post- Modification December 31, 2019 Number of Outstanding Recorded Outstanding Recorded Troubled Debt Restructurings: Loans Investment Investment Originated loans: Commercial Commercial and industrial 1 $ 12 $ 12 Residential real estate 1-4 family residential 6 178 181 Home equity lines of credit 3 90 94 Indirect 39 337 337 Consumer 2 46 46 Total originated loans 51 $ 663 $ 670 Acquired loans: Commercial real estate Farmland 3 527 527 Commercial Commercial and industrial 1 27 27 Residential real estate 1-4 family residential 4 201 205 Home equity lines of credit 1 17 17 Consumer 3 14 14 Total acquired loans 12 $ 786 $ 790 Total loans 63 $ 1,449 $ 1,460 The troubled debt restructurings described above increased the allowance for loan losses by $126 thousand and resulted in charge offs of $126 thousand during the year ended December 31, 2019. Pre- Modification Post- Modification December 31, 2018 Number of Outstanding Recorded Outstanding Recorded Troubled Debt Restructurings: Loans Investment Investment Originated loans: Commercial real estate Owner occupied 1 $ 360 $ 360 Commercial Commercial and industrial 1 19 19 Residential real estate 1-4 family residential 7 348 348 Home equity lines of credit 6 91 91 Indirect 23 118 118 Consumer 2 19 19 Total originated loans 40 $ 955 $ 955 Acquired loans: Commercial real estate Non-owner occupied 1 42 42 Farmland 1 258 258 Commercial Commercial and industrial 7 115 115 Residential real estate 1-4 family residential 7 321 337 Home equity lines of credit 1 32 32 Consumer 2 24 24 Total acquired loans 19 $ 792 $ 808 Total loans 59 $ 1,747 $ 1,763 The troubled debt restructurings described above increased the allowance for loan losses by $66 thousand and resulted in charge offs of $66 thousand during the year ended December 31, 2018. Pre- Modification Post- Modification December 31, 2017 Number of Outstanding Recorded Outstanding Recorded Troubled Debt Restructurings: Loans Investment Investment Originated loans: Residential real estate 1-4 family residential 15 $ 910 $ 917 Home equity lines of credit 10 234 234 Indirect 29 161 161 Total originated loans 54 $ 1,305 $ 1,312 Acquired loans: Commercial Commercial and industrial 1 13 13 Residential real estate 1-4 family residential 3 85 85 Home equity lines of credit 1 57 57 Consumer 2 55 55 Total acquired loans 7 $ 210 $ 210 Total loans 61 $ 1,515 $ 1,522 The troubled debt restructurings described above increased the allowance for loan losses by $75 thousand and resulted in charge offs of $75 thousand during the year ended December 31, 2017. There was one residential real estate loan for $19 thousand for which there were payment defaults within twelve months following the modification of the troubled debt restructuring during the year ended December 31, 2019. The loan was not past due at December 31, 2019. There was no effect on the provision for loan losses as a result of this default during 2019. A loan is considered to be in payment default once it is 30 days contractually past due under the modified terms. There were two residential real estate loans for $146 thousand for which there were payment defaults within twelve months following the modification of the troubled debt restructuring during the year ended December 31, 2018. Both loans were past due at December 31, 2018. There was no effect on the provision for loan losses as a result of this default during 2018. There were no loans for which there were payment defaults within twelve months following the modification of the troubled debt restructuring during the year ended December 31, 2017. Credit Quality Indicators: The Company 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 Company establishes a risk rating at origination for all commercial loan and commercial real estate relationships. For relationships over $750 thousand management monitors the loans on an ongoing basis for any changes in the borrower’s ability to service their debt. Management also affirms the risk ratings for the loans and leases in their respective portfolios on an annual basis. The Company 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. Special mention assets are not adversely classified and do not expose an institution to sufficient risk to warrant adverse classification. Substandard. Loans classified as substandard are inadequately protected by the current net worth and paying capacity of the obligor or of the collateral pledged, if any. Loans so classified have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that the institution will sustain some loss if the deficiencies are not corrected. Doubtful. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered to be pass rated loans. Based on the most recent analysis performed, the risk category of loans by class of loans is as follows: December 31, 2019 Pass Special Mention Sub standard Total 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 December 31, 2018 Pass Special Mention Sub standard Total Originated loans: Commercial real estate Owner occupied $ 156,892 $ 945 $ 746 $ 158,583 Non-owner occupied 251,240 4,139 101 255,480 Farmland 109,391 1,301 69 110,761 Other 92,669 1,325 248 94,242 Commercial Commercial and industrial 219,938 4,207 2,456 226,601 Agricultural 37,158 81 482 37,721 Total originated loans $ 867,288 $ 11,998 $ 4,102 $ 883,388 Acquired loans: Commercial real estate Owner occupied $ 43,763 $ 430 $ 746 $ 44,939 Non-owner occupied 16,601 58 187 16,846 Farmland 36,565 668 3,749 40,982 Other 7,434 0 657 8,091 Commercial Commercial and industrial 16,407 170 1,564 18,141 Agricultural 8,612 346 567 9,525 Total acquired loans $ 129,382 $ 1,672 $ 7,470 $ 138,524 Total loans $ 996,670 $ 13,670 $ 11,572 $ 1,021,912 The Company considers the performance of the loan portfolio and its impact on the allowance for loan losses. For residential, consumer and indirect loan classes, the Company also evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment in residential, consumer and indirect auto loans based on payment activity. Nonperforming loans are loans past due 90 days and still accruing interest and nonaccrual loans. Residential Real Estate Consumer December 31, 2019 1-4 Family Residential Home of Credit Indirect Direct Other 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 Residential Real Estate Consumer December 31, 2018 1-4 Family Residential Home of Credit Indirect Direct Other Originated loans: Performing $ 304,519 $ 82,035 $ 169,091 $ 30,237 $ 11,892 Nonperforming 2,503 675 715 254 2 Total originated loans $ 307,022 $ 82,710 $ 169,806 $ 30,491 $ 11,894 Acquired loans: Performing 77,661 23,400 0 9,304 162 Nonperforming 1,123 217 0 138 0 Total acquired loans $ 78,784 $ 23,617 $ 0 $ 9,442 $ 162 Total loans $ 385,806 $ 106,327 $ 169,806 $ 39,933 $ 12,056 |