Loans (Tables)

9 Months Ended

Sep. 30, 2013

Amounts of Loans

	September 30 2013			December 31 2012
Commercial
Working capital and equipment	$	239,305		$	198,805
Real estate, including agriculture		243,262			247,108
Tax exempt		3,093			4,579
Other		13,924			9,979
Total		499,584			460,471
Real estate
1-4 family		184,928			185,940
Other		4,326			3,774
Total		189,254			189,714
Consumer
Auto		137,991			142,149
Recreation		4,955			5,163
Real estate/home improvement		31,045			29,989
Home equity		98,657			104,974
Unsecured		3,785			4,194
Other		2,557			2,615
Total		278,990			289,084
Mortgage warehouse		113,591			251,448
Total loans		1,081,419			1,190,717
Allowance for loan losses		(17,848	)		(18,270	)
Loans, net	$	1,063,571		$	1,172,447

Recorded Investment of Individual Loan Categories

The following table shows the recorded investment of individual loan categories.

September 30, 2013	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	153,113		$	226	$	212		$	153,551
Non owner occupied real estate		229,654			175		430			230,259
Residential spec homes		242			—		—			242
Development & spec land loans		15,621			39		43			15,703
Commercial and industrial		100,194			732		75			101,001
Total commercial		498,824			1,172		760			500,756
Residential mortgage		179,964			567		409			180,940
Residential construction		8,881			17		—			8,898
Mortgage warehouse		113,591			480		—			114,071
Total real estate		302,436			1,064		409			303,909
Direct installment		28,968			92		(278	)		28,782
Direct installment purchased		331			—		—			331
Indirect installment		129,450			306		—			129,756
Home equity		120,222			517		297			121,036
Total consumer		278,971			915		19			279,905
Total loans		1,080,231			3,151		1,188			1,084,570
Allowance for loan losses		(17,848	)		—		—			(17,848	)
Net loans	$	1,062,383		$	3,151	$	1,188		$	1,066,722

December 31, 2012	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	162,694		$	503	$	485		$	163,682
Non owner occupied real estate		201,763			467		276			202,506
Residential spec homes		1,056			8		—			1,064
Development & spec land loans		6,963			11		—			6,974
Commercial and industrial		87,082			380		152			87,614
Total commercial		459,558			1,369		913			461,840
Residential mortgage		181,450			565		583			182,598
Residential construction		7,681			13		—			7,694
Mortgage warehouse		251,448			480		—			251,928
Total real estate		440,579			1,058		583			442,220
Direct installment		27,831			115		(204	)		27,742
Direct installment purchased		429			—		—			429
Indirect installment		133,481			370		—			133,851
Home equity		126,588			605		959			128,152
Total consumer		288,329			1,090		755			290,174
Total loans		1,188,466			3,517		2,251			1,194,234
Allowance for loan losses		(18,270	)		—		—			(18,270	)
Net loans	$	1,170,196		$	3,517	$	2,251		$	1,175,964

Heartland Bancshares Inc [Member]

Amounts of Loans

The carrying amount of those loans is included in the balance sheet amounts of loans receivable at September 30, 2013. The amounts of loans at September 30, 2013, are as follows:

Commercial	$	44,717
Real estate		13,146
Consumer		12,612
Outstanding balance	$	70,475
Carrying amount, net of allowance of $488	$	69,987