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Loans (Tables) | 3 Months Ended
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Mar. 31, 2020
Loan Balances | Loan balances were as follows:
|  | March 31, 2020 |  |  | December 31, 2019 |
Commercial & Agriculture |  | $ | 201,860 |  |  | $ | 203,110 |
Commercial Real Estate- Owner Occupied |  |  | 255,633 |  |  |  | 245,606 |
Commercial Real Estate- Non-Owner Occupied |  |  | 616,192 |  |  |  | 592,222 |
Residential Real Estate |  |  | 458,478 |  |  |  | 463,032 |
Real Estate Construction |  |  | 163,807 |  |  |  | 155,825 |
Farm Real Estate |  |  | 32,152 |  |  |  | 34,114 |
Consumer and Other |  |  | 15,003 |  |  |  | 15,061 |
Total loans |  |  | 1,743,125 |  |  |  | 1,708,970 |
Allowance for loan losses |  |  | (16,948 | ) |  |  | (14,767 | )
Net loans |  | $ | 1,726,177 |  |  | $ | 1,694,203 |
Schedule of Loan Modifications | There were no loans modified as TDRs during the period ended March 31, 2020. Loan modifications that are considered TDRs completed during the period ended March 31, 2019 were as follows:
|  | For the Three-Month Period Ended |
|  | March 31, 2019 |
|  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
Commercial & Agriculture |  |  | — |  |  | $ | — |  |  | $ | — |
Commercial Real Estate—Owner Occupied |  |  | — |  |  |  | — |  |  |  | — |
Commercial Real Estate—Non-Owner Occupied |  |  | 1 |  |  |  | 382 |  |  |  | 382 |
Residential Real Estate |  |  | — |  |  |  | — |  |  |  | — |
Real Estate Construction |  |  | — |  |  |  | — |  |  |  | — |
Farm Real Estate |  |  | — |  |  |  | — |  |  |  | — |
Consumer and Other |  |  | — |  |  |  | — |  |  |  | — |
Total Loan Modifications |  |  | 1 |  |  | $ | 382 |  |  | $ | 382 |
As of May 5, 2020, we had modified 653 loans aggregating $357,549 from customers impacted by the COVID-19 pandemic. These modifications consist primarily of deferral of principal and interest payments. Of these modifications, $357,549, or 100%, were performing in accordance with their terms. Details with respect to actual loan modifications are as follows:
|  | Number of |  |  |  |  |  |  | Weighted Average |
Type of Loan |  | Loans |  |  | Balance |  |  | Interest Rate |
|  |  |  |  |  | (In thousands) |  |  |  |  |
Commercial & Agriculture |  |  | 215 |  |  | $ | 49,944 |  |  |  | 4.74 | %
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  |  | 163 |  |  |  | 78,983 |  |  |  | 4.84 | %
Non-Owner Occupied |  |  | 114 |  |  |  | 183,935 |  |  |  | 4.36 | %
Residential Real Estate |  |  | 119 |  |  |  | 19,860 |  |  |  | 4.51 | %
Real Estate Construction |  |  | 15 |  |  |  | 23,898 |  |  |  | 4.46 | %
Farm Real Estate |  |  | 6 |  |  |  | 578 |  |  |  | 5.18 | %
Consumer and Other |  |  | 21 |  |  |  | 351 |  |  |  | 4.56 | %
Total |  |  | 653 |  |  | $ | 357,549 |  |  |  | 4.54 | %
CARESAct [Member] |
Schedule of Loan Modifications | Details with respect to actual loan modifications are as follows:
|  | Number of |  |  |  |  |  |  | Weighted Average |
Type of Loan |  | Loans |  |  | Balance |  |  | Interest Rate |
|  |  |  |  |  | (In thousands) |  |  |  |  |
Commercial & Agriculture |  |  | 26 |  |  | $ | 5,449 |  |  |  | 4.65 | %
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner Occupied |  |  | 25 |  |  |  | 10,077 |  |  |  | 4.82 | %
Non-Owner Occupied |  |  | 12 |  |  |  | 24,122 |  |  |  | 4.86 | %
Residential Real Estate |  |  | 2 |  |  |  | 184 |  |  |  | 4.91 | %
Farm Real Estate |  |  | 1 |  |  |  | 89 |  |  |  | 5.00 | %
Total |  |  | 66 |  |  | $ | 39,921 |  |  |  | 4.82 | %

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