Loans (Tables)

12 Months Ended

Dec. 31, 2013

Amounts of Loans

	December 31			December 31
	2013			2012
Commercial
Working capital and equipment	$	241,569		$	198,805
Real estate, including agriculture		245,313			247,108
Tax exempt		2,898			4,579
Other		15,409			9,979
Total		505,189			460,471
Real estate
1–4 family		181,393			185,940
Other		4,565			3,774
Total		185,958			189,714
Consumer
Auto		139,915			142,149
Recreation		4,839			5,163
Real estate/home improvement		30,729			29,989
Home equity		96,924			104,974
Unsecured		3,825			4,194
Other		3,293			2,615
Total		279,525			289,084
Mortgage warehouse		98,156			251,448
Total loans		1,068,828			1,190,717
Allowance for loan losses		(15,992	)		(18,270	)
Loans, net	$	1,052,836		$	1,172,447

Recorded Investment of Individual Loan Categories

December 31, 2013	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	156,262		$	257	$	207		$	156,726
Non owner occupied real estate		224,713			105		299			225,117
Residential spec homes		400			—		—			400
Development & spec land loans		21,289			62		42			21,393
Commercial and industrial		101,920			737		57			102,714
Total commercial		504,584			1,161		605			506,350
Residential mortgage		176,068			578		382			177,028
Residential construction		9,508			14		—			9,522
Mortgage warehouse		98,156			480		—			98,636
Total real estate		283,732			1,072		382			285,186
Direct installment		29,983			104		(281	)		29,806
Direct installment purchased		294			—		—			294
Indirect installment		131,384			320		—			131,704
Home equity		117,958			529		187			118,674
Total consumer		279,619			953		(94	)		280,478
Total loans		1,067,935			3,186		893			1,072,014
Allowance for loan losses		(15,992	)		—		—			(15,992	)
Net loans	$	1,051,943		$	3,186	$	893		$	1,056,022
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 December 31. The amounts of loans at December 31, are as follows:

	2013		2012
Commercial	$	37,048	$	63,952
Real estate		11,761		18,662
Consumer		11,485		16,289
Outstanding balance	$	60,294	$	98,903
Carrying amount, net of allowance of $ 389 and $ 0	$	59,905	$	98,903