Describe the composition of loans in your banks loan portfolio by type and how does this relate to the banks concentration guidelines (commercial, commercial RE, agricultural related, loans to professional groups, etc.). What areas does the bank have room to grow in? Also, has the bank made any policy changes to the approved concentration limits over the last three years? Explain

Type Loans (Dollar amount)	2020Y Total Loans = $202,358,171	2021Y Total Loans = $185,549,317	2022Y Total Loans = $183,981,649
RE Construction & Home Equity Lines	$1,990,720	$2,657,521	$2,365,417
Farmland Loans	$56,306,225	$52,622,763	$61,437,024
Commercial Real Estate	$47,376,664	$57,899,436	$55,555,009
State & Municipalities	$88,225,408	$63,942,484	$56,767,773
C & I Loans	$5,434,099	$5,172,853	$4,311,217
Consumer Loans	$2,822,454	$3,132,677	$3,332,823
Non-Accrual Loans	$202,602	$121,583	$212,386