ALLOWANCE FOR CREDIT LOSSES | 3. Allowance for Credit Losses The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended March 31. Allowance for Credit Losses: March 31, 2024 (Dollar amounts in thousands) Commercial Residential Consumer Unallocated Total Beginning balance $ 13,264 $ 14,327 $ 11,797 $ 379 $ 39,767 Provision for credit losses 271 (173) 1,767 (65) 1,800 Loans charged-off (231) (14) (2,947) — (3,192) Recoveries 275 93 1,302 — 1,670 Ending Balance $ 13,579 $ 14,233 $ 11,919 $ 314 $ 40,045 Allowance for Credit Losses: March 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 (54) 500 1,254 100 1,800 Loans charged-off (306) (79) (3,991) — (4,376) Recoveries 201 70 2,146 — 2,417 Ending Balance $ 12,790 $ 15,059 $ 11,513 $ 258 $ 39,620 The tables below present the recorded investment in non-performing loans by class of loans. March 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 $ 397 $ 14,290 $ 63 Farmland — 1,219 1,201 Non Farm, Non Residential — 1,145 697 Agriculture — 935 893 All Other Commercial — 1,021 1,004 Residential First Liens 620 827 — Home Equity 124 68 — Junior Liens 209 111 — Multifamily 20 429 373 All Other Residential 60 405 — Consumer Motor Vehicle — 2,166 — All Other Consumer — 241 — TOTAL $ 1,430 $ 22,857 $ 4,231 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 The following tables present the amortized cost basis of collateral dependent loans by class of loans: March 31, 2024 Collateral Type (Dollar amounts in thousands) Real Estate Other Commercial Commercial & Industrial $ 643 $ 11,795 Farmland 1,622 — Non Farm, Non Residential 3,563 — Agriculture — 893 All Other Commercial 1,003 — Residential First Liens 32 — Home Equity — — Junior Liens — — Multifamily 373 — All Other Residential 349 — Consumer Motor Vehicle — — All Other Consumer — — Total $ 7,585 $ 12,688 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 presents the aging of the recorded investment in loans by past due category and class of loans. March 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 $ 1,434 $ 1,539 $ 7,791 $ 10,764 $ 559,950 $ 570,714 Farmland 398 — 1,201 1,599 130,209 131,808 Non Farm, Non Residential — 111 — 111 534,606 534,717 Agriculture 17 — 930 947 127,631 128,578 All Other Commercial 759 — — 759 462,159 462,918 Residential First Liens 3,979 323 874 5,176 358,970 364,146 Home Equity 885 68 163 1,116 64,577 65,693 Junior Liens 439 240 266 945 57,613 58,558 Multifamily 570 96 394 1,060 200,862 201,922 All Other Residential 309 — 408 717 21,931 22,648 Consumer Motor Vehicle 7,552 1,160 463 9,175 619,934 629,109 All Other Consumer 362 19 58 439 30,792 31,231 TOTAL $ 16,704 $ 3,556 $ 12,548 $ 32,808 $ 3,169,234 $ 3,202,042 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 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 March 31, 2024 that were both experiencing financial difficulty and modified during the twelve months ended March 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 $ — $ — $ — $ 138 $ — $ 25 0.04 % Junior Liens — — 28 — — — 0.05 % Consumer Motor Vehicle 33 — 260 28 120 102 0.09 % TOTAL $ 33 $ — $ 288 $ 166 $ 120 $ 127 0.02 % 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. The following table presents the performance of such loans that have been modified in the last twelve months: March 31, 2024 30 - 59 60 - 89 Greater Than Days Days 89 Days Total (Dollar amounts in thousands) Past Due Past Due Past Due Past Due Consumer Motor Vehicle $ 64 $ $ $ 64 TOTAL $ 64 $ — $ — $ 64 The following table presents the financial effect of loan and lease modifications presented above to borrowers experiencing financial difficulty for the twelve months ended March 31, 2024. Weighted- Weighted- Average Average Principal Interest Rate Term (Dollar amounts in thousands) Forgiveness Reduction Extension Residential First Liens $ — 2.11 % 24 Junior Liens — — 36 Consumer Motor Vehicle 52 2.74 % 23 TOTAL $ 52 2.41 % 24 The following table presents the amortized cost basis of loans that had a payment default during the twelve months ended March 31, 2024 and were modified in the twelve months prior to that default to borrowers experiencing financial difficulty . Principal Payment Term Interest Rate (Dollar amounts in thousands) Forgiveness Delay Extension Reduction Consumer Motor Vehicle $ 2 $ $ 64 $ 2 TOTAL $ 2 $ — $ 64 $ 2 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. 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. The following tables present the commercial loan portfolio by risk category. These balances do not include accrued interest: March 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 $ 36,823 $ 44,296 $ 116,256 $ 76,514 $ 38,558 $ 105,365 $ 89,655 $ 507,467 Special Mention — 14,605 762 9,780 3,392 1,205 2,299 $ 32,043 Substandard 2,431 1,235 4,360 9,522 145 6,941 — $ 24,634 Doubtful — — — — — — — $ — Not Rated 542 1,263 1,181 619 360 166 — $ 4,131 Subtotal $ 39,796 $ 61,399 $ 122,559 $ 96,435 $ 42,455 $ 113,677 $ 91,954 $ 568,275 Current period gross charge-offs $ - $ - $ - $ - $ 5 $ 22 $ - $ 27 Farmland Pass $ 4,521 $ 20,668 $ 15,738 $ 19,867 $ 7,911 $ 57,576 $ 214 $ 126,495 Special Mention — — — 3 — 1,062 — $ 1,065 Substandard — — — — 40 2,129 — $ 2,169 Doubtful — — — — — — — $ — Not Rated — — — — — 14 — $ 14 Subtotal $ 4,521 $ 20,668 $ 15,738 $ 19,870 $ 7,951 $ 60,781 $ 214 $ 129,743 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Non Farm, Non Residential Pass $ 37,395 $ 79,071 $ 136,474 $ 100,219 $ 22,866 $ 140,335 $ 5,983 $ 522,343 Special Mention — — 718 985 — 835 — $ 2,538 Substandard 662 59 189 — — 6,560 — $ 7,470 Doubtful — — — — — — — $ — Not Rated — — — — 673 64 — $ 737 Subtotal $ 38,057 $ 79,130 $ 137,381 $ 101,204 $ 23,539 $ 147,794 $ 5,983 $ 533,088 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Agriculture Pass $ 3,737 $ 9,424 $ 10,522 $ 5,945 $ 5,669 $ 22,708 $ 61,669 $ 119,674 Special Mention — — 86 — 5 602 3,543 $ 4,236 Substandard — — 55 — — 904 — $ 959 Doubtful — — — — — — — $ — Not Rated — — 42 29 31 25 — $ 127 Subtotal $ 3,737 $ 9,424 $ 10,705 $ 5,974 $ 5,705 $ 24,239 $ 65,212 $ 124,996 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Other Commercial Pass $ 6,151 $ 30,204 $ 104,099 $ 106,110 $ 93,055 $ 107,236 $ 9,170 $ 456,025 Special Mention — — — — 2,439 812 — $ 3,251 Substandard — — 1,003 15 — — — $ 1,018 Doubtful — — — — — — — $ — Not Rated — — 11 — — 447 — $ 458 Subtotal $ 6,151 $ 30,204 $ 105,113 $ 106,125 $ 95,494 $ 108,495 $ 9,170 $ 460,752 Current period gross charge-offs $ 104 $ 100 $ - $ - $ - $ - $ - $ 204 Residential Multifamily >5 Residential Pass $ — $ 42,594 $ 66,593 $ 31,781 $ 22,389 $ 28,140 $ 426 $ 191,923 Special Mention — — 235 — 354 6,465 — $ 7,054 Substandard — — — — — 373 — $ 373 Doubtful — — — — — — — $ — Not Rated — — — 1,096 — 690 — $ 1,786 Subtotal $ — $ 42,594 $ 66,828 $ 32,877 $ 22,743 $ 35,668 $ 426 $ 201,136 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Total Pass $ 88,627 $ 226,257 $ 449,682 $ 340,436 $ 190,448 $ 461,360 $ 167,117 $ 1,923,927 Special Mention — 14,605 1,801 10,768 6,190 10,981 5,842 $ 50,187 Substandard 3,093 1,294 5,607 9,537 185 16,907 — $ 36,623 Doubtful — — — — — — — $ — Not Rated 542 1,263 1,234 1,744 1,064 1,406 — $ 7,253 $ 92,262 $ 243,419 $ 458,324 $ 362,485 $ 197,887 $ 490,654 $ 172,959 $ 2,017,990 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 and loans past due 90 days or more and still accruing interest 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: March 31, 2024 Term Loans at Amortized Cost Basis by Origination Year Revolving 2024 2023 2022 2021 2020 Prior Loans Total Residential First Liens Performing $ 12,945 $ 49,273 $ 70,240 $ 63,845 $ 35,147 $ 128,738 $ 1,148 $ 361,336 Non-performing — — 251 — 65 1,307 — $ 1,623 Subtotal $ 12,945 $ 49,273 $ 70,491 $ 63,845 $ 35,212 $ 130,045 $ 1,148 $ 362,959 Current period gross charge-offs $ - $ - $ - $ - $ - $ 14 $ - $ 14 Home Equity Performing $ — $ 61 $ 45 $ — $ 7 $ 1,456 $ 63,704 $ 65,273 Non-performing — — 68 — 17 54 51 $ 190 Subtotal $ — $ 61 $ 113 $ — $ 24 $ 1,510 $ 63,755 $ 65,463 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Junior Liens Performing $ 2,654 $ 14,561 $ 14,691 $ 7,813 $ 5,235 $ 11,490 $ 1,623 $ 58,067 Non-performing — — 41 41 102 135 — $ 319 Subtotal $ 2,654 $ 14,561 $ 14,732 $ 7,854 $ 5,337 $ 11,625 $ 1,623 $ 58,386 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Other Residential Performing $ 224 $ 8,087 $ 8,659 $ 2,999 $ 408 $ 1,525 $ 185 $ 22,087 Non-performing — — — 59 — 406 — $ 465 Subtotal $ 224 $ 8,087 $ 8,659 $ 3,058 $ 408 $ 1,931 $ 185 $ 22,552 Current period gross charge-offs $ - $ - $ - $ - $ - $ - $ - $ — Consumer Motor Vehicle Performing $ 68,820 $ 249,124 $ 195,414 $ 61,139 $ 39,299 $ 10,326 $ — $ 624,122 Non-performing — 222 797 501 473 118 — $ 2,111 Subtotal $ 68,820 $ 249,346 $ 196,211 $ 61,640 $ 39,772 $ 10,444 $ — $ 626,233 Current period gross charge-offs $ - $ 680 $ 1,285 $ 633 $ 185 $ 43 $ - $ 2,826 Other Consumer Performing $ 2,948 $ 10,821 $ 5,734 $ 3,243 $ 1,889 $ 1,210 $ 4,968 $ 30,813 Non-performing — 36 44 121 32 8 12 $ 253 Subtotal $ 2,948 $ 10,857 $ 5,778 $ 3,364 $ 1,921 $ 1,218 $ 4,980 $ 31,066 Current period gross charge-offs $ - $ 46 $ 25 $ 3 $ 7 $ 5 $ 35 $ 121 Total Performing $ 87,591 $ 331,927 $ 294,783 $ 139,039 $ 81,985 $ 154,745 $ 71,628 $ 1,161,698 Non-performing — 258 1,201 722 689 2,028 63 $ 4,961 Total other loans $ 87,591 $ 332,185 $ 295,984 $ 139,761 $ 82,674 $ 156,773 $ 71,691 $ 1,166,659 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 |