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LOANS | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
LOANS | – LOANS Total loans outstanding as of the years ended December 31, 2022 and 2021 consisted of the following:
(dollars in thousands) | 2022 |  | 2021
Commercial and industrial loans: |  |  |
Working capital lines of credit loans | $ | 650,948 |  |  | $ | 652,861 |
Non-working capital loans | 842,101 |  |  | 736,608 |
Total commercial and industrial loans | 1,493,049 |  |  | 1,389,469 |
Commercial real estate and multi-family residential loans: |  |  |
Construction and land development loans | 517,664 |  |  | 379,813 |
Owner occupied loans | 758,091 |  |  | 739,371 |
Nonowner occupied loans | 706,107 |  |  | 588,458 |
Multi-family loans | 197,232 |  |  | 247,204 |
Total commercial real estate and multi-family residential loans | 2,179,094 |  |  | 1,954,846 |
Agri-business and agricultural loans: |  |  |
Loans secured by farmland | 201,200 |  |  | 206,331 |
Loans for agricultural production | 230,888 |  |  | 239,494 |
Total agri-business and agricultural loans | 432,088 |  |  | 445,825 |
Other commercial loans | 113,593 |  |  | 73,490 |
Total commercial loans | 4,217,824 |  |  | 3,863,630 |
Consumer 1-4 family mortgage loans: |  |  |
Closed end first mortgage loans | 212,742 |  |  | 176,561 |
Open end and junior lien loans | 175,575 |  |  | 156,238 |
Residential construction and land development loans | 19,249 |  |  | 11,921 |
Total consumer 1-4 family mortgage loans | 407,566 |  |  | 344,720 |
Other consumer loans | 88,075 |  |  | 82,755 |
Total consumer loans | 495,641 |  |  | 427,475 |
Gross loans | 4,713,465 |  |  | 4,291,105 |
Less: Allowance for credit losses | (72,606) |  |  | (67,773) |
Net deferred loan fees | (3,069) |  |  | (3,264) |
Loans, net | $ | 4,637,790 |  |  | $ | 4,220,068 |
The recorded investment in loans does not include accrued interest, which totaled $18.4 million and $10.0 million at December 31, 2022 and 2021, respectively. The Company had $306,000 and $350,000 in residential real estate loans in process of foreclosure as of December 31, 2022 and 2021, 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 https://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 https://asc.fasb.org/subtopic&trid=2196816 + Details
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