Allowance for Loan Losses | 2. Allowance for Credit Losses The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended September 30. Allowance for Credit Losses: September 30, 2022 (Dollar amounts in thousands) Commercial Residential Consumer Unallocated Total Beginning balance $ 16,469 $ 14,168 $ 10,584 $ 247 $ 41,468 Provision for credit losses (1,403) 297 2,199 (43) 1,050 Loans charged-off (2,406) (57) (3,190) — (5,653) Recoveries 634 55 1,941 — 2,630 Ending Balance $ 13,294 $ 14,463 $ 11,534 $ 204 $ 39,495 Allowance for Credit Losses: September 30, 2021 (Dollar amounts in thousands) Commercial Residential Consumer Unallocated Total Beginning balance $ 15,693 $ 17,837 $ 10,988 $ 214 $ 44,732 Provision for credit losses (531) (1,387) 173 245 (1,500) Loans charged-off (313) (61) (1,240) — (1,614) Recoveries 182 130 1,032 — 1,344 Ending Balance $ 15,031 $ 16,519 $ 10,953 $ 459 $ 42,962 The following table presents the activity of the allowance for credit losses by portfolio segment for the nine months ended September 30. Allowance for Credit Losses: September 30, 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 (3,835) (3,952) 3,218 (181) (4,750) Loans charged -off (3,659) (579) (7,080) — (11,318) Recoveries 1,905 678 4,675 — 7,258 Ending Balance $ 13,294 $ 14,463 $ 11,534 $ 204 $ 39,495 Allowance for Credit Losses: September 30, 2021 (Dollar amounts in thousands) Commercial Residential Consumer Unallocated Total Beginning balance $ 16,901 $ 19,142 $ 11,009 $ — $ 47,052 Provision for credit losses (2,067) (2,577) 941 459 (3,244) Loans charged -off (612) (492) (3,999) — (5,103) Recoveries 809 446 3,002 — 4,257 Ending Balance $ 15,031 $ 16,519 $ 10,953 $ 459 $ 42,962 The tables below present the recorded investment in non-performing loans by class of loans. September 30, 2022 Loans Past Nonaccrual Due Over With No 90 Days Still Allowance (Dollar amounts in thousands) Accruing Nonaccrual For Credit Loss Commercial Commercial & Industrial $ 242 $ 1,647 $ 322 Farmland — 287 272 Non Farm, Non Residential — 2,456 2,443 Agriculture — 393 361 All Other Commercial 15 28 — Residential First Liens 480 1,599 — Home Equity — 140 — Junior Liens 95 263 — Multifamily — 204 — All Other Residential — 108 — Consumer Motor Vehicle 402 1,492 — All Other Consumer 1 530 — TOTAL $ 1,235 $ 9,147 $ 3,398 December 31, 2021 Loans Past Nonaccrual Due Over With No 90 Days Still Allowance (Dollar amounts in thousands) Accruing Nonaccrual For Credit Loss Commercial Commercial & Industrial $ 14 $ 1,950 $ 1,662 Farmland — 15 — Non Farm, Non Residential — 2,911 2,898 Agriculture — 111 — All Other Commercial — 4 — Residential First Liens 346 2,339 33 Home Equity — 84 — Junior Liens 89 294 — Multifamily — 225 — All Other Residential — 107 — Consumer Motor Vehicle 94 864 — All Other Consumer — 686 — TOTAL $ 543 $ 9,590 $ 4,593 The following tables present the amortized cost basis of collateral dependent loans by class of loans: September 30, 2022 Collateral Type (Dollar amounts in thousands) Real Estate Other Commercial Commercial & Industrial $ 5,656 $ 142 Farmland 3,561 — Non Farm, Non Residential 5,555 — Agriculture — 361 All Other Commercial — — Residential First Liens — — Home Equity — — Junior Liens — — Multifamily — — All Other Residential 906 — Consumer Motor Vehicle — — All Other Consumer — — Total $ 15,678 $ 503 December 31, 2021 Collateral Type (Dollar amounts in thousands) Real Estate Other Commercial Commercial & Industrial $ 17,734 $ 720 Farmland 3,669 — Non Farm, Non Residential 6,135 — Agriculture — — All Other Commercial — — Residential First Liens 33 — Home Equity — — Junior Liens — — Multifamily 935 — All Other Residential — — Consumer Motor Vehicle — — All Other Consumer — — Total $ 28,506 $ 720 The following tables presents the aging of the recorded investment in loans by past due category and class of loans. September 30, 2022 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 $ 2,437 $ 217 $ 1,267 $ 3,921 $ 677,656 $ 681,577 Farmland — — 272 272 128,175 128,447 Non Farm, Non Residential 312 80 — 392 359,662 360,054 Agriculture — — — — 120,903 120,903 All Other Commercial 301 — 30 331 434,394 434,725 Residential First Liens 935 1,056 1,038 3,029 329,304 332,333 Home Equity 616 40 102 758 63,834 64,592 Junior Liens 257 29 241 527 56,214 56,741 Multifamily 467 99 — 566 193,728 194,294 All Other Residential — 38 — 38 30,169 30,207 Consumer Motor Vehicle 10,129 2,088 853 13,070 525,363 538,433 All Other Consumer 273 56 3 332 33,713 34,045 TOTAL $ 15,727 $ 3,703 $ 3,806 $ 23,236 $ 2,953,115 $ 2,976,351 December 31, 2021 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 $ 1,132 $ 388 $ 1,614 $ 3,134 $ 693,949 $ 697,083 Farmland 57 — — 57 141,189 141,246 Non Farm, Non Residential 62 — — 62 361,174 361,236 Agriculture 90 42 89 221 141,682 141,903 All Other Commercial 390 — — 390 340,076 340,466 Residential First Liens 4,686 680 949 6,315 336,064 342,379 Home Equity 131 24 58 213 62,085 62,298 Junior Liens 179 120 283 582 50,048 50,630 Multifamily 342 146 — 488 178,849 179,337 All Other Residential 284 291 — 575 30,843 31,418 Consumer Motor Vehicle 7,633 1,105 486 9,224 433,095 442,319 All Other Consumer 192 37 — 229 33,425 33,654 TOTAL $ 15,178 $ 2,833 $ 3,479 $ 21,490 $ 2,802,479 $ 2,823,969 During the three and nine months ended September 30, 2022 and 2021, the terms of certain loans were modified as troubled debt restructurings (TDRs). The following tables present the activity for TDRs. 2022 (Dollar amounts in thousands) Commercial Residential Consumer Total July 1, $ 672 $ 3,474 $ — $ 4,146 Added/(Disposed) — — — — Charged Off — — — — Payments (19) (180) — (199) September 30, $ 653 $ 3,294 $ — $ 3,947 2022 (Dollar amounts in thousands) Commercial Residential Consumer Total January 1, $ 407 $ 3,686 $ 706 $ 4,799 Added/(Disposed) 305 128 (611) (178) Charged Off — — — — Payments (59) (520) (95) (674) September 30, $ 653 $ 3,294 $ — $ 3,947 2021 (Dollar amounts in thousands) Commercial Residential Consumer Total July 1, — 3,904 556 4,460 Added — — 172 172 Charged Off — — — — Payments — (91) (52) (143) September 30, — 3,813 676 4,489 2021 (Dollar amounts in thousands) Commercial Residential Consumer Total January 1, — 3,589 617 4,206 Added — 491 294 785 Charged Off — (27) (75) (102) Payments — (240) (160) (400) September 30, — 3,813 676 4,489 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. No modification in 2022 or 2021 resulted in the permanent reduction of the recorded investment in the loan. Modifications involving a reduction of the stated interest rate of the loan were for periods ranging from twelve months to five years. Modifications involving an extension of the maturity date were for periods ranging from twelve months to ten years. Troubled debt restructurings during the three months ended September 30, 2022 and 2021 did not result in any material charge-offs or additional provision expense. The Corporation has no allocations of specific reserves to customers whose loan terms have been modified in troubled debt restructurings as of September 30, 2022 and 2021. The Corporation has not committed to lend additional amounts as of September 30, 2022 and 2021 to customers with outstanding loans that are classified as troubled debt restructurings. None of the charge-offs during the three and nine months ended September 30, 2022 and 2021 were of restructurings that had occurred in the previous 12 months. The CARES Act included a provision that permitted a financial institution to elect to suspend temporarily troubled debt restructuring accounting under ASC Subtopic 310-40 in certain circumstances (“section 4013”). To be eligible under section 4013, a loan modification must have been (1) related to COVID-19; (2) executed on a loan that was not more than 30 days past due as of December 31, 2019; and (3) executed between March 1, 2020, and the earlier of (A) 60 days after the date of termination of the National Emergency or (B) December 31, 2020. In response to this section of the CARES Act, the federal banking agencies issued a revised interagency statement on April 7, 2020 that, in consultation with the Financial Accounting Standards Board, confirmed that for loans not subject to section 4013, short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief were not troubled debt restructurings under ASC Subtopic 310-40. This included short-term (e.g., up to six months) modifications such as payment deferrals, fee waivers, extensions of repayment terms, or delays in payment that were insignificant. Borrowers considered current were those that were less than 30 days past due on their contractual payments at the time a modification program was implemented. From the inception of the CARES Act through December 31, 2021, 1,242 loans totaling $172 million were modified, related to COVID-19, that were not considered troubled debt restructurings. 1,076 loans totaling $168 million have resumed normal scheduled payments. 113 remaining loans are still under a debt relief plan, which include no commercial loans that have been provided additional payment relief since the initial payment relief plan. 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 90 The following tables present the commercial loan portfolio by risk category: September 30, 2022 Term Loans at Amortized Cost Basis by Origination Year Revolving 2022 2021 2020 2019 2018 Prior Loans Total Commercial Commercial and Industrial Pass $ 118,289 $ 143,777 $ 57,461 $ 63,594 $ 28,655 $ 110,184 $ 106,028 $ 627,988 Special Mention 1,635 2,954 413 611 3,516 4,065 288 $ 13,482 Substandard 718 752 2,621 1,228 2,096 6,573 11,148 $ 25,136 Doubtful — — — — — — — $ — Not Rated 9,694 1,588 913 560 211 112 — $ 13,078 Subtotal $ 130,336 $ 149,071 $ 61,408 $ 65,993 $ 34,478 $ 120,934 $ 117,464 $ 679,684 Farmland Pass $ 13,583 $ 23,014 $ 9,382 $ 10,191 $ 10,752 $ 50,206 $ 267 $ 117,395 Special Mention — — 1,164 882 — 3,796 — $ 5,842 Substandard — — 461 272 55 2,332 — $ 3,120 Doubtful — — — — — — — $ — Not Rated — — — — — 20 — $ 20 Subtotal $ 13,583 $ 23,014 $ 11,007 $ 11,345 $ 10,807 $ 56,354 $ 267 $ 126,377 Non Farm, Non Residential Pass $ 70,604 $ 76,794 $ 35,195 $ 19,915 $ 31,852 $ 114,737 $ 1,757 $ 350,854 Special Mention — — — 931 — 370 — $ 1,301 Substandard — — — 521 — 6,436 — $ 6,957 Doubtful — — — — — — — $ — Not Rated — — — — — 286 — $ 286 Subtotal $ 70,604 $ 76,794 $ 35,195 $ 21,367 $ 31,852 $ 121,829 $ 1,757 $ 359,398 Agriculture Pass $ 7,934 $ 9,730 $ 8,381 $ 8,855 $ 1,987 $ 19,173 $ 56,124 $ 112,184 Special Mention 89 — 10 5 — 712 3,450 $ 4,266 Substandard — — — 430 1,370 384 — $ 2,184 Doubtful — — — — — — — $ — Not Rated 75 42 86 67 30 — — $ 300 Subtotal $ 8,098 $ 9,772 $ 8,477 $ 9,357 $ 3,387 $ 20,269 $ 59,574 $ 118,934 Other Commercial Pass $ 117,094 $ 74,954 $ 89,027 $ 20,029 $ 29,456 $ 87,301 $ 3,240 $ 421,101 Special Mention 24 — — 11 — 11,070 — $ 11,105 Substandard — 15 — — — 22 10 $ 47 Doubtful — — — — — — — $ — Not Rated 17 84 — — 31 487 — $ 619 Subtotal $ 117,135 $ 75,053 $ 89,027 $ 20,040 $ 29,487 $ 98,880 $ 3,250 $ 432,872 Residential Multifamily >5 Residential Pass $ 58,035 $ 33,076 $ 46,842 $ 12,212 $ 5,087 $ 34,770 $ 932 $ 190,954 Special Mention — — — — — 90 — $ 90 Substandard — — — — — 1,301 — $ 1,301 Doubtful — — — — — — — $ — Not Rated — 1,129 — — — 267 — $ 1,396 Subtotal $ 58,035 $ 34,205 $ 46,842 $ 12,212 $ 5,087 $ 36,428 $ 932 $ 193,741 Total Pass $ 385,539 $ 361,345 $ 246,288 $ 134,796 $ 107,789 $ 416,371 $ 168,348 $ 1,820,476 Special Mention 1,748 2,954 1,587 2,440 3,516 20,103 3,738 $ 36,086 Substandard 718 767 3,082 2,451 3,521 17,048 11,158 $ 38,745 Doubtful — — — — — — — $ — Not Rated 9,786 2,843 999 627 272 1,172 — $ 15,699 Total commercial loans $ 397,791 $ 367,909 $ 251,956 $ 140,314 $ 115,098 $ 454,694 $ 183,244 $ 1,911,006 December 31, 2021 Term Loans at Amortized Cost Basis by Origination Year Revolving 2021 2020 2019 2018 2017 Prior Loans Total Commercial Commercial and Industrial Pass $ 163,588 $ 71,271 $ 80,668 $ 40,441 $ 37,739 $ 113,887 $ 111,594 $ 619,188 Special Mention 7,561 393 1,841 5,375 263 4,523 7,482 $ 27,438 Substandard 4,521 896 348 5,148 2,325 7,934 2,648 $ 23,820 Doubtful — — — — — — — $ — Not Rated 21,134 1,610 959 466 189 140 — $ 24,498 Subtotal $ 196,804 $ 74,170 $ 83,816 $ 51,430 $ 40,516 $ 126,484 $ 121,724 $ 694,944 Farmland Pass $ 25,673 $ 12,060 $ 13,111 $ 13,246 $ 11,049 $ 49,158 $ 1,418 $ 125,715 Special Mention — 1,191 914 — 342 3,247 — $ 5,694 Substandard 3,455 444 — 326 558 2,876 — $ 7,659 Doubtful — — — — — — — $ — Not Rated — — — — — — — $ — Subtotal $ 29,128 $ 13,695 $ 14,025 $ 13,572 $ 11,949 $ 55,281 $ 1,418 $ 139,068 Non Farm, Non Residential Pass $ 81,203 $ 37,971 $ 24,716 $ 32,775 $ 54,732 $ 97,241 $ 10,548 $ 339,186 Special Mention — — 1,103 182 1,948 1,996 — $ 5,229 Substandard — — 910 — 1,440 13,391 — $ 15,741 Doubtful — — — — — — — $ — Not Rated — — — — — 402 — $ 402 Subtotal $ 81,203 $ 37,971 $ 26,729 $ 32,957 $ 58,120 $ 113,030 $ 10,548 $ 360,558 Agriculture Pass $ 14,426 $ 10,386 $ 10,135 $ 2,585 $ 4,932 $ 15,755 $ 68,937 $ 127,156 Special Mention — — 1,000 — 537 271 5,257 $ 7,065 Substandard — 20 216 — 46 485 4,828 $ 5,595 Doubtful — — — — — — — $ — Not Rated 110 120 131 55 1 — — $ 417 Subtotal $ 14,536 $ 10,526 $ 11,482 $ 2,640 $ 5,516 $ 16,511 $ 79,022 $ 140,233 Other Commercial Pass $ 77,821 $ 69,117 $ 33,231 $ 36,495 $ 53,479 $ 58,819 $ 3,488 $ 332,450 Special Mention — — — — — 6,106 — $ 6,106 Substandard 72 — 25 475 — 9 — $ 581 Doubtful — — — — — — — $ — Not Rated 89 — — 37 — — — $ 126 Subtotal $ 77,982 $ 69,117 $ 33,256 $ 37,007 $ 53,479 $ 64,934 $ 3,488 $ 339,263 Residential Multifamily >5 Residential Pass $ 37,244 $ 63,312 $ 16,037 $ 7,471 $ 5,370 $ 35,284 $ 1,434 $ 166,152 Special Mention — — — — — 10,282 — $ 10,282 Substandard — — — — — 958 — $ 958 Doubtful — — — — — — — $ — Not Rated 1,149 — — — 44 384 — $ 1,577 Subtotal $ 38,393 $ 63,312 $ 16,037 $ 7,471 $ 5,414 $ 46,908 $ 1,434 $ 178,969 Total Pass $ 399,955 $ 264,117 $ 177,898 $ 133,013 $ 167,301 $ 370,144 $ 197,419 $ 1,709,847 Special Mention 7,561 1,584 4,858 5,557 3,090 26,425 12,739 $ 61,814 Substandard 8,048 1,360 1,499 5,949 4,369 25,653 7,476 $ 54,354 Doubtful — — — — — — — $ — Not Rated 22,482 1,730 1,090 558 234 926 — $ 27,020 Total commercial loans $ 438,046 $ 268,791 $ 185,345 $ 145,077 $ 174,994 $ 423,148 $ 217,634 $ 1,853,035 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 balance of our other loan portfolio based on the credit risk profile of loans that are performing and loans that are nonperforming: September 30, 2022 Term Loans at Amortized Cost Basis by Origination Year Revolving 2022 2021 2020 2019 2018 Prior Loans Total Residential First Liens Performing $ 53,596 $ 68,418 $ 42,892 $ 17,521 $ 20,943 $ 122,753 $ 3,201 $ 329,324 Non-performing — — — 33 64 2,068 — $ 2,165 Subtotal $ 53,596 $ 68,418 $ 42,892 $ 17,554 $ 21,007 $ 124,821 $ 3,201 $ 331,489 Home Equity Performing $ 1,823 $ — $ 8 $ 115 $ 90 $ 1,074 $ 61,175 $ 64,285 Non-performing — — 79 — 15 45 — $ 139 Subtotal $ 1,823 $ — $ 87 $ 115 $ 105 $ 1,119 $ 61,175 $ 64,424 Junior Liens Performing $ 16,412 $ 11,274 $ 7,963 $ 6,220 $ 5,877 $ 6,783 $ 1,737 $ 56,266 Non-performing — — 26 65 74 192 — $ 357 Subtotal $ 16,412 $ 11,274 $ 7,989 $ 6,285 $ 5,951 $ 6,975 $ 1,737 $ 56,623 Other Residential Performing $ 9,348 $ 13,341 $ 4,450 $ 1,322 $ 503 $ 1,051 $ — $ 30,015 Non-performing — — — 50 38 20 — $ 108 Subtotal $ 9,348 $ 13,341 $ 4,450 $ 1,372 $ 541 $ 1,071 $ — $ 30,123 Consumer Motor Vehicle Performing $ 251,757 $ 132,338 $ 100,690 $ 34,889 $ 11,308 $ 3,552 $ 6 $ 534,540 Non-performing 306 694 426 247 60 39 — $ 1,772 Subtotal $ 252,063 $ 133,032 $ 101,116 $ 35,136 $ 11,368 $ 3,591 $ 6 $ 536,312 Other Consumer Performing $ 11,785 $ 9,216 $ 4,804 $ 1,502 $ 506 $ 884 $ 4,702 $ 33,399 Non-performing 28 269 132 69 19 15 2 $ 534 Subtotal $ 11,813 $ 9,485 $ 4,936 $ 1,571 $ 525 $ 899 $ 4,704 $ 33,933 Total Performing $ 344,721 $ 234,587 $ 160,807 $ 61,569 $ 39,227 $ 136,097 $ 70,821 $ 1,047,829 Non-performing 334 963 663 464 270 2,379 2 $ 5,075 Total other loans $ 345,055 $ 235,550 $ 161,470 $ 62,033 $ 39,497 $ 138,476 $ 70,823 $ 1,052,904 December 31, 2021 Term Loans at Amortized Cost Basis by Origination Year Revolving 2021 2020 2019 2018 2017 Prior Loans Total Residential First Liens Performing $ 86,224 $ 49,633 $ 22,262 $ 24,377 $ 26,437 $ 126,828 $ 3,061 $ 338,822 Non-performing — — 35 69 160 2,421 — $ 2,685 Subtotal $ 86,224 $ 49,633 $ 22,297 $ 24,446 $ 26,597 $ 129,249 $ 3,061 $ 341,507 Home Equity Performing $ 757 $ 9 $ 152 $ 719 $ 62 $ 1,332 $ 59,059 $ 62,090 Non-performing — 25 — — 3 57 — $ 85 Subtotal $ 757 $ 34 $ 152 $ 719 $ 65 $ 1,389 $ 59,059 $ 62,175 Junior Liens Performing $ 13,255 $ 10,189 $ 8,124 $ 7,888 $ 4,158 $ 5,554 $ 968 $ 50,136 Non-performing — 6 64 97 119 94 — $ 380 Subtotal $ 13,255 $ 10,195 $ 8,188 $ 7,985 $ 4,277 $ 5,648 $ 968 $ 50,516 Other Residential Performing $ 20,218 $ 6,665 $ 1,697 $ 662 $ 883 $ 1,092 $ — $ 31,217 Non-performing — — 55 43 — 27 — $ 125 Subtotal $ 20,218 $ 6,665 $ 1,752 $ 705 $ 883 $ 1,119 $ — $ 31,342 Consumer Motor Vehicle Performing $ 188,675 $ 155,156 $ 60,676 $ 23,367 $ 9,307 $ 2,384 $ — $ 439,565 Non-performing 199 373 191 109 43 23 — $ 938 Subtotal $ 188,874 $ 155,529 $ 60,867 $ 23,476 $ 9,350 $ 2,407 $ — $ 440,503 Other Consumer Performing $ 14,924 $ 8,225 $ 3,119 $ 948 $ 304 $ 1,121 $ 4,194 $ 32,835 Non-performing 342 181 107 35 18 3 2 $ 688 Subtotal $ 15,266 $ 8,406 $ 3,226 $ 983 $ 322 $ 1,124 $ 4,196 $ 33,523 Total Performing $ 324,053 $ 229,877 $ 96,030 $ 57,961 $ 41,151 $ 138,311 $ 67,282 $ 954,665 Non-performing 541 585 452 353 343 2,625 2 $ 4,901 Total other loans $ 324,594 $ 230,462 $ 96,482 $ 58,314 $ 41,494 $ 140,936 $ 67,284 $ 959,566 |