(5) Loans

Loan balances were as follows:


	September 30,			December 31,
	2015			2014
Commercial and agriculture	$	129,119		$	114,186
Commercial real estate- owner occupied		160,457			143,014
Commercial real estate- non-owner occupied		340,702			308,666
Residential real estate		284,899			268,510
Real estate construction		67,461			65,452
Consumer and other		17,637			15,029

Total loans		1,000,275			914,857
Allowance for loan losses		(14,760	)		(14,268	)

Net loans	$	985,515		$	900,589

Included in total loans above are deferred loan fees of $63 at September 30, 2015 and $237 at December 31, 2014.

Included in the totals above are loans acquired from TCNB at the acquisition date, net of fair value adjustments, of:


	March 6,
	2015
Commercial and agriculture	$	13,799
Commercial real estate- owner occupied		23,029
Commercial real estate- non-owner occupied		13,808
Residential real estate		17,541
Real estate construction		3,863
Consumer and other		4,404

Net loans	$	76,444