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LOANS | 12 Months Ended
--- | ---
Dec. 31, 2017
LOANS |
LOANS | NOTE 4: LOANS Loans by portfolio segment, at December 31, 2017 and 2016 are summarized as follows:
(Dollars in thousands) |  | December 31, 2017 |  | December 31, 2016
Commercial and industrial |  | $ | 559,363 |  | 24.1 | % |  | $ | 511,554 |  | 23.7 | %
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 738,293 |  | 31.9 | % |  |  | 697,794 |  | 32.3 | %
Construction and development |  |  | 449,211 |  | 19.4 | % |  |  | 491,626 |  | 22.8 | %
1-4 family residential |  |  | 258,584 |  | 11.2 | % |  |  | 236,882 |  | 11.0 | %
Multi-family residential |  |  | 220,305 |  | 9.5 | % |  |  | 133,210 |  | 6.2 | %
Consumer |  |  | 40,433 |  | 1.7 | % |  |  | 39,694 |  | 1.8 | %
Agriculture |  |  | 11,256 |  | 0.5 | % |  |  | 11,106 |  | 0.5 | %
Other |  |  | 40,344 |  | 1.7 | % |  |  | 38,180 |  | 1.7 | %
Total gross loans |  |  | 2,317,789 |  | 100.0 | % |  |  | 2,160,046 |  | 100.0 | %
Less deferred loan fees |  |  | (4,555) |  |  |  |  |  | (4,321) |  |  |
Less unearned discount on retained portion of loans sold |  |  | (230) |  |  |  |  |  | (227) |  |  |
Less allowance for loan loss |  |  | (24,778) |  |  |  |  |  | (25,006) |  |  |
Total loans, net |  |  | 2,288,226 |  |  |  |  |  | 2,130,492 |  |  |
Less loans held for sale |  |  | 1,460 |  |  |  |  |  | 613 |  |  |
Loans, net |  | $ | 2,286,766 |  |  |  |  | $ | 2,129,879 |  |  |
Accrued interest receivable for loans is $6.1 million and $5.5 million at December 31, 2017 and 2016, respectively and is included in other assets in the consolidated balance sheets. Loan Participations Purchased and Sold From time to time, the Company will acquire and dispose of interests in loans under participation agreements with other financial institutions. Loan participations purchased and sold during the years ending December 31, 2017, 2016 and 2015, by loan class, are summarized as follows:
|  | Participations |  | Participations
|  | Purchased |  | Sold
|  | During the |  | During the
(Dollars in thousands) |  | Period |  | Period
December 31, 2017 |  |  |  |  |  |
Commercial and industrial |  | $ | — |  | $ | 23,000
Commercial real estate |  |  | 12,885 |  |  | 20,505
Construction and development |  |  | 5,606 |  |  | 2,562
|  | $ | 18,491 |  | $ | 46,067
December 31, 2016 |  |  |  |  |  |
Commercial real estate |  | $ | — |  | $ | 654
Construction and development |  |  | — |  |  | 4,294
|  | $ | — |  | $ | 4,948
December 31, 2015 |  |  |  |  |  |
Commercial and industrial |  | $ | 1,674 |  | $ | —
Construction and development |  |  | 5,097 |  |  | 21,755
Loans to nondepository financial institutions |  |  | — |  |  | 5,000
|  | $ | 6,771 |  | $ | 26,755
Loans Guaranteed by the SBA The Company participates in the SBA loan program. When advantageous, the Company will sell the guaranteed portions of these loans with servicing retained. SBA loans that were sold with servicing retained during the years ended December 31, 2017, 2016 and 2015 were $2.2 million, $3.5 million and $3.6 million. Net gains recognized on sales of SBA loans were $149,000, $326,000 and $382,000 for the years ended December 31, 2017, 2016 and 2015 and are included in net gain on sales of assets in the consolidated income statements.

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