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Loans | 12 Months Ended
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Dec. 31, 2019
Loans [Abstract] |
Loans | 4. Loans A summary of loans, net of deferred fees and origination costs, by category is as follows:
|  | At December 31, |
(In thousands) |  | 2019 |  |  | 2018 |
Commercial |  | $ | 1,302,209 |  |  | $ | 1,291,568 |
Commercial Real Estate |  |  | 2,142,057 |  |  |  | 1,930,742 |
Residential Real Estate |  |  | 1,445,156 |  |  |  | 1,380,836 |
Indirect Auto |  |  | 1,193,635 |  |  |  | 1,216,144 |
Specialty Lending |  |  | 542,063 |  |  |  | 524,928 |
Home Equity |  |  | 444,082 |  |  |  | 474,566 |
Other Consumer |  |  | 66,896 |  |  |  | 68,925 |
Total loans |  | $ | 7,136,098 |  |  | $ | 6,887,709 |
Included in the above loans are net deferred loan origination costs totaling $35.3 million and $43.5 million at December 31, 2019 and 2018, respectively. The Company had $11.5 million residential loans held for sale as of December 31, 2019. The Company had $6.9 million of residential loans held for sale as of December 31, 2018. The total amount of loans serviced by the Company for unrelated third parties was $612.3 million and $557.9 million at December 31, 2019 and 2018, respectively. At December 31, 2019 and 2018, the Company had $0.8 million and $0.5 million, respectively, of mortgage servicing rights. At December 31, 2019 and 2018, the Company serviced $25.6 million and $27.2 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans and government guarantees, no reserve is considered necessary at December 31, 2019 and 2018. FHLB advances are collateralized by a blanket lien on the Company’s residential real estate mortgages. In the ordinary course of business, the Company has made loans at prevailing rates and terms to directors, officers and other related parties. Such loans, in management’s opinion, do not present more than the normal risk of collectability or incorporate other unfavorable features. The aggregate amount of loans outstanding to qualifying related parties and changes during the years are summarized as follows:
(In thousands) |  | 2019 |  |  | 2018 |
Balance at January 1 |  | $ | 1,638 |  |  | $ | 1,577 |
New loans |  |  | 587 |  |  |  | 260 |
Adjustment due to change in composition of related parties |  |  | 389 |  |  |  | - |
Repayments |  |  | (448 | ) |  |  | (199 | )
Balance at December 31 |  | $ | 2,166 |  |  | $ | 1,638 |

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- Definition The entire disclosure for claims held for amounts due a company, excluding disclosure for allowance for credit losses. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Also excludes disclosure for financing receivables. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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