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LOANS | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
LOANS | – LOANS Total loans outstanding as of the years ended December 31, 2021 and 2020 consisted of the following:
(dollars in thousands) | 2021 |  | 2020
Commercial and industrial loans: |  |  |
Working capital lines of credit loans | $ | 652,861 |  |  | $ | 626,023 |
Non-working capital loans | 736,608 |  |  | 1,165,355 |
Total commercial and industrial loans | 1,389,469 |  |  | 1,791,378 |
Commercial real estate and multi-family residential loans: |  |  |
Construction and land development loans | 379,813 |  |  | 362,653 |
Owner occupied loans | 739,371 |  |  | 648,019 |
Nonowner occupied loans | 588,458 |  |  | 579,625 |
Multi-family loans | 247,204 |  |  | 304,717 |
Total commercial real estate and multi-family residential loans | 1,954,846 |  |  | 1,895,014 |
Agri-business and agricultural loans: |  |  |
Loans secured by farmland | 206,331 |  |  | 195,410 |
Loans for agricultural production | 239,494 |  |  | 234,234 |
Total agri-business and agricultural loans | 445,825 |  |  | 429,644 |
Other commercial loans | 73,490 |  |  | 94,013 |
Total commercial loans | 3,863,630 |  |  | 4,210,049 |
Consumer 1-4 family mortgage loans: |  |  |
Closed end first mortgage loans | 176,561 |  |  | 167,847 |
Open end and junior lien loans | 156,238 |  |  | 163,664 |
Residential construction and land development loans | 11,921 |  |  | 12,007 |
Total consumer 1-4 family mortgage loans | 344,720 |  |  | 343,518 |
Other consumer loans | 82,755 |  |  | 103,616 |
Total consumer loans | 427,475 |  |  | 447,134 |
Gross loans | 4,291,105 |  |  | 4,657,183 |
Less: Allowance for credit losses | (67,773) |  |  | (61,408) |
Net deferred loan fees | (3,264) |  |  | (8,027) |
Loans, net | $ | 4,220,068 |  |  | $ | 4,587,748 |
The recorded investment in loans does not include accrued interest, which totaled $10.0 million at December 31, 2021. The Company had $350,000 and $19,000 in residential real estate loans in process of foreclosure as of December 31, 2021 and 2020, respectively.

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- Definition The entire disclosure for financing receivable. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 20 -URI http://asc.fasb.org/subtopic&trid=2196816 + Details
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