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Loans (Tables)
 6 Months Ended
Jun. 30, 2019
Amounts of Loans
 
June 30
   
December 31
 
  
2019
   
2018
 
Commercial
   
     
 
Working capital and equipment
 
$
917,533
    $
804,083
 
Real estate, including agriculture
   
1,017,138
     
834,037
 
Tax exempt
   
61,015
     
48,975
 
Other
   
66,937
     
34,495
 
                 
Total
   
2,062,623
     
1,721,590
 
Real estate
   
     
 
1-4
family
    
806,390
     
659,754
 
Other
   
7,675
     
8,387
 
                 
Total
   
814,065
     
668,141
 
Consumer
   
     
 
Auto
   
343,876
     
327,413
 
Recreation
   
16,257
     
13,975
 
Real estate/home improvement
   
44,988
     
39,587
 
Home equity
   
239,358
     
163,209
 
Unsecured
   
7,455
     
4,043
 
Other
   
2,618
     
1,254
 
                 
Total
   
654,552
     
549,481
 
Mortgage warehouse
   
133,428
     
74,120
 
                 
Total loans
   
3,664,668
     
3,013,332
 
Allowance for loan losses
   
(18,305
)
   
(17,820
 )
                 
Loans, net
 
$
3,646,363
    $
2,995,512
 
                 
Recorded Investment of Individual Loan Categories
The following table shows the recorded investment of individual loan categories.
                                 
 
June 30, 2019
 
 
Loan
Balance
   
Interest
Due
   
Deferred
Costs/(Fees)
   
Recorded
Investment
 
Owner occupied real estate
  $
709,597
    $
1,253
    $
(1,584
 )   $
709,266
 
Non-owner
occupied real estate
    
783,092
     
1,464
     
(1,701
 )    
782,855
 
Residential spec homes
   
14,862
     
36
     
(24
 )    
14,874
 
Development & spec land
   
41,102
     
179
     
71
     
41,352
 
Commercial and industrial
   
518,880
     
4,806
     
(1,672
 )    
522,014
 
                                 
Total commercial
   
2,067,533
     
7,738
     
(4,910
 )    
2,070,361
 
Residential mortgage
   
798,813
     
2,521
     
(7,151
 )    
794,183
 
Residential construction
   
22,403
     
57
     
—
     
22,460
 
Mortgage warehouse
   
133,428
     
480
     
—
     
133,908
 
                                 
Total real estate
   
954,644
     
3,058
     
(7,151
 )    
950,551
 
Direct installment
   
46,468
     
156
     
808
     
47,432
 
Indirect installment
   
329,773
     
806
     
—
     
330,579
 
Home equity
   
275,396
     
1,505
     
2,107
     
279,008
 
                                 
Total consumer
   
651,637
     
2,467
     
2,915
     
657,019
 
                                 
Total loans
   
3,673,814
     
13,263
     
(9,146
 )    
3,677,931
 
Allowance for loan losses
   
(18,305
 )    
—
     
—
     
(18,305
 )
                                 
Net loans
  $
3,655,509
    $
13,263
    $
(9,146
 )   $
3,659,626
 
                                 
       
 
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