Outstanding loans are summarized as follows (in thousands):



Loan Type	December 31, 2013			% of Total loans		December 31, 2012			% of Total loans
Commercial:
Commercial and industrial	$	87,082		17.0	%	$	77,956		19.7	%
Agricultural land and production	31,649			6.1	%	26,599			6.7	%
Total commercial	118,731			23.1	%	104,555			26.4	%
Real estate:
Owner occupied	156,781			30.6	%	114,444			28.9	%
Real estate construction and other land loans	42,329			8.3	%	33,199			8.4	%
Commercial real estate	86,117			16.8	%	53,797			13.6	%
Agricultural real estate	44,164			8.6	%	28,400			7.2	%
Other real estate	4,548			0.9	%	8,098			2.0	%
Total real estate	333,939			65.2	%	237,938			60.1	%
Consumer:
Equity loans and lines of credit	48,594			9.5	%	42,932			10.9	%
Consumer and installment	11,252			2.2	%	10,346			2.6	%
Total consumer	59,846			11.7	%	53,278			13.5	%
Deferred loan fees, net	(159		)			(453		)
Total gross loans	512,357			100.0	%	395,318			100.0	%
Allowance for credit losses	(9,208		)			(10,133		)
Total loans	$	503,149				$	385,185