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Loans (Tables)
 9 Months Ended
Sep. 30, 2019
Amounts of Loans
 
September 30
 
  
December 31
 
  
2019
 
  
 
 
 
 
 
 
 
 
 
 
2018
 
Commercial
   
     
 
Working capital and equipment
 
$
915,449
 
   $
804,083
 
Real estate, including agriculture
 
 
1,005,124
 
    
834,037
 
Tax exempt
 
 
59,620
 
    
48,975
 
Other
 
 
65,972
 
    
34,495
 
                 
Total
 
 
2,046,165
 
    
1,721,590
 
Real estate
   
     
 
1-4
family
  
 
788,574
 
    
659,754
 
Other
 
 
7,923
 
    
8,387
 
                 
Total
 
 
796,497
 
    
668,141
 
Consumer
   
     
 
Auto
 
 
358,792
 
    
327,413
 
Recreation
 
 
16,396
 
    
13,975
 
Real estate/home improvement
 
 
44,105
 
    
39,587
 
Home equity
 
 
239,041
 
    
163,209
 
Unsecured
 
 
6,986
 
    
4,043
 
Other
 
 
3,012
 
    
1,254
 
                 
Total
 
 
668,332
 
    
549,481
 
Mortgage warehouse
 
 
155,631
 
    
74,120
 
                 
Total loans
 
 
3,666,625
 
    
3,013,332
 
Allowance for loan losses
 
 
(17,956
)
   
(17,820
 )
                 
Loans, net
 
$
3,648,669
 
   $
2,995,512
 
                 
Recorded Investment of Individual Loan Categories
The following table shows the recorded investment of individual loan categories.
 
September 30, 2019
 
  
Loan
Balance
 
  
Interest
Due
 
  
Deferred
Costs/(Fees)
 
  
Recorded
Investment
 
Owner occupied real estate
  $
723,218
    $
1,735
    $
(1,351
 )   $
723,602
 
Non-owner
occupied real estate
    
766,574
     
1,336
     
(390
 )    
767,520
 
Residential spec homes
   
10,813
     
20
     
(33
 )    
10,800
 
Development & spec land
   
37,115
     
104
     
(15
)    
37,204
 
Commercial and industrial
   
510,315
     
4,333
     
(81
 )    
514,567
 
                                 
Total commercial
   
2,048,035
     
7,528
     
(1,870
 )    
2,053,693
 
Residential mortgage
   
773,444
     
2,377
     
12
      
775,833
 
Residential construction
   
23,041
     
50
     
—  
      
23,091
 
Mortgage warehouse
   
155,631
     
194
     
—  
      
155,825
 
                                 
Total real estate
   
952,116
     
2,621
     
12
      
954,749
 
Direct installment
   
42,048
     
137
     
678
     
42,863
 
Indirect installment
   
344,567
     
789
     
—  
      
345,356
 
Home equity
   
278,577
     
1,407
     
2,462
     
282,446
 
                                 
Total consumer
   
665,192
     
2,333
     
3,140
     
670,665
 
                                 
Total loans
   
3,665,343
     
12,482
     
1,282
      
3,679,107
 
Allowance for loan losses
   
(17,956
 )    
—  
      
—  
      
(17,956
 )
                                 
Net loans
  $
3,647,387
    $
12,482
    $
1,282
     $
3,661,151
 
                                 
       
  
December 31, 2018
 
  
Loan
Balance
 
  
Interest
Due
 
  
Deferred
Costs/(Fees)
 
  
Recorded
Investment
 
Owner occupied real estate
  $
563,929
    $
1,273
    $
(1,368
 )   $
563,834
 
Non-owner
occupied real estate
    
714,136
     
1,069
     
(477
 )    
714,728
 
Residential spec homes
   
5,195
     
13
     
—  
      
5,208
 
Development & spec land
   
46,523
     
131
     
(15
 )    
46,639
 
Commercial and industrial
   
393,752
     
3,110
     
(85
 )    
396,777
 
                                 
Total commercial
   
1,723,535
     
5,596
     
(1,945
 )    
1,727,186
 
Residential mortgage
   
644,094
     
1,861
     
17
      
645,972
 
Residential construction
   
24,030
     
42
     
—  
      
24,072
 
Mortgage warehouse
   
74,120
     
132
     
—  
      
74,252
 
                                 
Total real estate
   
742,244
     
2,035
     
17
      
744,296
 
Direct installment
   
34,233
     
103
     
593
     
34,929
 
Indirect installment
   
314,177
     
738
     
—  
      
314,915
 
Home equity
   
198,364
     
973
     
2,114
     
201,451
 
                                 
Total consumer
   
546,774
     
1,814
     
2,707
     
551,295
 
                                 
Total loans
   
3,012,553
     
9,445
     
779
      
3,022,777
 
Allowance for loan losses
   
(17,820
 )    
—  
      
—  
      
(17,820
 )
                                 
Net loans
  $
2,994,733
    $
9,445
    $
779
     $
3,004,957