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Loans (Tables)
 3 Months Ended
Mar. 31, 2019
Amounts of Loans
 
 
March 31

2019
 
 
December 31

2018
 
Commercial
 
 
 
 
 
 
 
 
Working capital and equipment
 
$
924,435
 
 
$
804,083
 
Real estate, including agriculture
 
 
1,076,077
 
 
 
834,037
 
Tax exempt
 
 
60,062
 
 
 
48,975
 
Other
 
 
29,005
 
 
 
34,495
 
Total
 
 
2,089,579
 
 
 
1,721,590
 
Real estate
 
 
 
 
 
 
 
 
1-4 family
 
 
808,401
 
 
 
659,754
 
Other
 
 
11,423
 
 
 
8,387
 
Total
 
 
819,824
 
 
 
668,141
 
Consumer
 
 
 
 
 
 
 
 
Auto
 
 
331,572
 
 
 
327,413
 
Recreation
 
 
14,262
 
 
 
13,975
 
Real estate/home improvement
 
 
40,998
 
 
 
39,587
 
Home equity
 
 
245,940
 
 
 
163,209
 
Unsecured
 
 
4,124
 
 
 
4,043
 
Other
 
 
2,814
 
 
 
1,254
 
Total
 
 
639,710
 
 
 
549,481
 
Mortgage warehouse
 
 
71,944
 
 
 
74,120
 
Total loans
 
 
3,621,057
 
 
 
3,013,332
 
Allowance for loan losses
 
 
(17,821
)
 
 
(17,820
)
Loans, net
 
 
 
 
 
 
 
 
 
 
$
3,603,236
 
 
$
2,995,512
 
Recorded Investment of Individual Loan Categories
The following table shows the recorded investment of individual loan categories.
 
 
 
March 31, 2019
 
 
 
Loan

Balance
 
 
Interest

Due
 
 
Deferred

Costs/(Fees)
 
 
Recorded

Investment
 
Owner occupied real estate
 
$
676,517
 
 
$
975
 
 
$
(1,687
)
 
$
675,805
 
Non-owner occupied real estate
 
 
833,803
 
 
 
1,645
 
 
 
(1,666
)
 
 
833,782
 
Residential spec homes
 
 
10,221
 
 
 
27
 
 
 
(3
)
 
 
10,245
 
Development & spec land
 
 
75,079
 
 
 
249
 
 
 
(16
)
 
 
75,312
 
Commercial and industrial
 
 
497,624
 
 
 
4,291
 
 
 
(293
)
 
 
501,622
 
Total commercial
 
 
2,093,244
 
 
 
7,187
 
 
 
(3,665
)
 
 
2,096,766
 
Residential mortgage
 
 
797,174
 
 
 
2,346
 
 
 
(1,943
)
 
 
797,577
 
Residential construction
 
 
24,593
 
 
 
43
 
 
 
—
 
 
 
24,636
 
Mortgage warehouse
 
 
71,944
 
 
 
480
 
 
 
—
 
 
 
72,424
 
Total real estate
 
 
893,711
 
 
 
2,869
 
 
 
(1,943
)
 
 
894,637
 
Direct installment
 
 
37,417
 
 
 
135
 
 
 
560
 
 
 
38,112
 
Indirect installment
 
 
317,629
 
 
 
750
 
 
 
—
 
 
 
318,379
 
Home equity
 
 
282,160
 
 
 
1,504
 
 
 
1,944
 
 
 
285,608
 
Total consumer
 
 
637,206
 
 
 
2,389
 
 
 
2,504
 
 
 
642,099
 
Total loans
 
 
3,624,161
 
 
 
12,445
 
 
 
(3,104
)
 
 
3,633,502
 
Allowance for loan losses
 
 
(17,821
)
 
 
—
 
 
 
—
 
 
 
(17,821
)
Net loans
 
$
3,606,340
 
 
$
12,445
 
 
$
(3,104
)
 
$
3,615,681
 
 
 
 
December 31, 2018
 
 
 
Loan

Balance
 
 
Interest

Due
 
 
Deferred

Costs/(Fees)
 
 
Recorded

Investment
 
Owner occupied real estate
 
$
561,463
 
 
$
1,240
 
 
$
(1,629
)
 
$
561,074
 
Non-owner occupied real estate
 
 
717,814
 
 
 
1,063
 
 
 
(1,839
)
 
 
717,038
 
Residential spec homes
 
 
5,199
 
 
 
13
 
 
 
(2
)
 
 
5,210
 
Development & spec land
 
 
46,547
 
 
 
131
 
 
 
(12
)
 
 
46,666
 
Commercial and industrial
 
 
394,346
 
 
 
3,149
 
 
 
(297
)
 
 
397,198
 
Total commercial
 
 
1,725,369
 
 
 
5,596
 
 
 
(3,779
)
 
 
1,727,186
 
Residential mortgage
 
 
646,136
 
 
 
1,861
 
 
 
(2,025
)
 
 
645,972
 
Residential construction
 
 
24,030
 
 
 
42
 
 
 
—
 
 
 
24,072
 
Mortgage warehouse
 
 
74,120
 
 
 
480
 
 
 
—
 
 
 
74,600
 
Total real estate
 
 
744,286
 
 
 
2,383
 
 
 
(2,025
)
 
 
744,644
 
Direct installment
 
 
38,173
 
 
 
103
 
 
 
566
 
 
 
38,842
 
Indirect installment
 
 
314,177
 
 
 
738
 
 
 
—
 
 
 
314,915
 
Home equity
 
 
194,766
 
 
 
973
 
 
 
1,799
 
 
 
197,538
 
Total consumer
 
 
547,116
 
 
 
1,814
 
 
 
2,365
 
 
 
551,295
 
Total loans
 
 
3,016,771
 
 
 
9,793
 
 
 
(3,439
)
 
 
3,023,125
 
Allowance for loan losses
 
 
(17,820
)
 
 
—
 
 
 
—
 
 
 
(17,820
)
Net loans
 
$
2,998,951
 
 
$
9,793
 
 
$
(3,439
)
 
$
3,005,305