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Loans | 9 Months Ended
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Sep. 30, 2019
Loans |
Loans | 9. Loans The loan portfolio of the Company consists of the following (in thousands):
|  | September 30, |  | December 31,
|  | 2019 |  | 2018
Commercial: |  |  |  |  |  |
Commercial and industrial |  | $ | 163,385 |  | $ | 158,279
Commercial loans secured by owner occupied real estate |  |  | 82,378 |  |  | 91,905
Commercial loans secured by non-owner occupied real estate |  |  | 367,045 |  |  | 356,543
Real estate – residential mortgage |  |  | 238,140 |  |  | 237,964
Consumer |  |  | 18,185 |  |  | 17,591
Loans, net of unearned income |  | $ | 869,133 |  | $ | 862,282
Loan balances at September 30, 2019 and December 31, 2018 are net of unearned income of $396,000 and $322,000, respectively. Real estate-construction loans comprised 4.4% and 3.5% of total loans, net of unearned income at September 30, 2019 and December 31, 2018, respectively.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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