Loans (Tables)

12 Months Ended

Dec. 31, 2015

Amounts of Loans

	December 31			December 31
	2015			2014
Commercial
Working capital and equipment	$	381,245		$	300,940
Real estate, including agriculture		391,668			343,455
Tax exempt		8,674			8,595
Other		23,408			21,324
Total		804,995			674,314
Real estate
1–4 family		433,015			250,799
Other		4,129			3,826
Total		437,144			254,625
Consumer
Auto		168,397			154,538
Recreation		5,365			5,673
Real estate/home improvement		47,015			38,288
Home equity		127,113			112,426
Unsecured		4,120			3,613
Other		10,290			5,921
Total		362,300			320,459
Mortgage warehouse		144,692			129,156
Total loans		1,749,131			1,378,554
Allowance for loan losses		(14,534	)		(16,501	)
Loans, net	$	1,734,597		$	1,362,053

Recorded Investment of Individual Loan Categories

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

December 31, 2015	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	268,281		$	613	$	1,328		$	270,222
Non owner occupied real estate		326,399			306		497			327,202
Residential spec homes		5,018			9		17			5,044
Development & spec land loans		18,183			33		26			18,242
Commercial and industrial		184,911			1,246		335			186,492
Total commercial		802,792			2,207		2,203			807,202
Residential mortgage		414,924			1,275		2,470			418,669
Residential construction		19,751			34		—			19,785
Mortgage warehouse		144,692			480		—			145,172
Total real estate		579,367			1,789		2,470			583,626
Direct installment		54,341			168		(359	)		54,150
Direct installment purchased		153			—		—			153
Indirect installment		151,523			323		—			151,846
Home equity		157,164			628		(522	)		157,270
Total consumer		363,181			1,119		(881	)		363,419
Total loans		1,745,340			5,115		3,792			1,754,247
Allowance for loan losses		(14,534	)		—		—			(14,534	)
Net loans	$	1,730,806		$	5,115	$	3,792		$	1,739,713

December 31, 2014	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	228,380		$	385	$	680		$	229,445
Non owner occupied real estate		297,299			309		506			298,114
Residential spec homes		2,027			2		—			2,029
Development & spec land loans		12,097			28		30			12,155
Commercial and industrial		133,256			859		39			134,154
Total commercial		673,059			1,583		1,255			675,897
Residential mortgage		242,521			737		599			243,857
Residential construction		11,505			21		—			11,526
Mortgage warehouse		129,156			480		—			129,636
Total real estate		383,182			1,238		599			385,019
Direct installment		40,137			129		(375	)		39,891
Direct installment purchased		219			—		—			219
Indirect installment		141,868			314		(163	)		142,019
Home equity		139,007			568		(234	)		139,341
Total consumer		321,231			1,011		(772	)		321,470
Total loans		1,377,472			3,832		1,082			1,382,386
Allowance for loan losses		(16,501	)		—		—			(16,501	)
Net loans	$	1,360,971		$	3,832	$	1,082		$	1,365,885

Loans Purchased With Evidence Of Credit Deterioration [Member]

Amounts of Loans

The carrying amounts of those loans included in the balance sheet amounts of loans receivable are as follows:

	December 31		December 31		December 31		December 31
	2015		2015		2015		2015
	Heartland		Summit		Peoples		Total
Commercial	$	1,633	$	5,567	$	1,061	$	8,261
Real estate		693		1,216		179		2,088
Consumer		6		35		—		41
Outstanding balance	$	2,332	$	6,818	$	1,240	$	10,390
Carrying amount, net of allowance of $63							$	10,327

	December 31		December 31		December 31		December 31
	2014		2014		2014		2014
	Heartland		Summit		Peoples		Total
Commercial	$	5,492	$	7,725	$	—	$	13,217
Real estate		900		1,458		—		2,358
Consumer		8		43		—		51
Outstanding balance	$	6,400	$	9,226	$	—	$	15,626
Carrying amount, net of allowance of $359							$	15,267