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Loans (Tables)
 12 Months Ended
Dec. 31, 2019
Amounts of Loans
                 
 
December 31
 
  
December 31
 
 
2019
 
  
2018
 
Commercial
   
     
 
Working capital and equipment
 
$
938,317
 
   $
804,083
 
Real estate, including agriculture
 
 
978,891
 
    
834,037
 
Tax exempt
 
 
63,571
 
    
48,975
 
Other
 
 
65,872
 
    
34,495
 
                 
Total
 
 
2,046,651
 
    
1,721,590
 
Real estate
  
 
 
    
 
1-4
family
  
 
762,571
 
    
659,754
 
Other
 
 
8,146
 
    
8,387
 
                 
Total
 
 
770,717
 
    
668,141
 
Consumer
   
     
 
Auto
 
 
362,729
 
    
327,413
 
Recreation
 
 
16,262
 
    
13,975
 
Real estate/home improvement
 
 
43,585
 
    
39,587
 
Home equity
 
 
237,979
 
    
163,209
 
Unsecured
 
 
7,286
 
    
4,043
 
Other
 
 
1,339
 
    
1,254
 
                 
Total
 
 
669,180
 
    
549,481
 
Mortgage warehouse
 
 
150,293
 
    
74,120
 
                 
Total loans
 
 
3,636,841
 
    
3,013,332
  
Allowance for loan losses
 
 
(17,667
)
   
(17,820
 )
                 
Loans, net
 
$
3,619,174
 
   $
2,995,512
 
                 
 
 
 
 
Recorded Investment of Individual Loan Categories
The following table shows the recorded investment of individual loan categories.
 
December 31, 2019
 
  
Loan
Balance
 
  
Interest
Due
 
  
Deferred
Costs/
(Fees)
 
  
Recorded
Investment
 
Owner occupied real estate
  $
519,577
    $
784
    $
(148
 )   $
520,213
 
Non-owner
occupied real estate
    
973,331
     
1,752
     
(763
 )    
974,320
 
Residential spec homes
   
12,925
     
15
     
(2
 )    
12,938
 
Development & spec land
   
35,954
     
101
     
(14
 )    
36,041
 
Commercial and industrial
   
505,859
     
4,600
     
(68
 )    
510,391
 
                                 
Total commercial
   
2,047,646
     
7,252
     
(995
 )    
2,053,903
 
Residential mortgage
   
751,019
     
2,245
     
12
     
753,276
 
Residential construction
   
19,686
     
40
     
—  
      
19,726
 
Mortgage warehouse
   
150,293
     
242
     
—  
      
150,535
 
                                 
Total real estate
   
920,998
     
2,527
     
12
     
923,537
 
Direct installment
   
41,079
     
148
     
678
     
41,905
 
Indirect installment
   
348,658
     
911
     
—  
      
349,569
 
Home equity
   
276,215
     
1,304
     
2,550
     
280,069
 
                                 
Total consumer
   
665,952
     
2,363
     
3,228
     
671,543
 
                                 
Total loans
   
3,634,596
     
12,142
     
2,245
     
3,648,983
 
Allowance for loan losses
   
(17,667
 )    
—  
      
—  
      
(17,667
 )
                                 
Net loans
  $
3,616,929
    $
12,142
     $
2,245
     $
3,631,316
 
                                 
  
December 31, 2018
 
  
Loan
Balance
 
  
Interest
Due
 
  
Deferred
Costs/
(Fees)
 
  
Recorded
Investment
 
Owner occupied real estate
  $
444,834
    $
931
    $
(130
 )   $
445,635
 
Non-owner
occupied real estate
    
852,855
     
1,436
     
(747
 )    
853,544
 
Residential spec homes
   
5,195
     
13
     
—  
      
5,208
 
Development & spec land
   
50,706
     
153
     
(15
 )    
50,844
 
Commercial and industrial
   
368,962
     
3,063
     
(70
 )    
371,955
 
                                 
Total commercial
   
1,722,552
     
5,596
     
(962
 )    
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
   
35,103
     
108
     
593
     
35,804
 
Indirect installment
   
314,177
     
738
     
—  
      
314,915
 
Home equity
   
197,494
     
968
     
2,114
     
200,576
 
                                 
Total consumer
   
546,774
     
1,814
     
2,707
     
551,295
 
                                 
Total loans
   
3,011,570
     
9,445
     
1,762
     
3,022,777
 
Allowance for loan losses
   
(17,820
 )    
—  
      
—  
      
(17,820
 )
                                 
Net loans
  $
2,993,750
    $
9,445
     $
1,762
     $
3,004,957