Loans (Tables)

3 Months Ended

Mar. 31, 2016

Amounts of Loans

	March 31			December 31
	2016			2015
Commercial
Working capital and equipment	$	381,425		$	381,245
Real estate, including agriculture		381,256			391,668
Tax exempt		9,072			8,674
Other		26,001			23,408
Total		797,754			804,995
Real estate
1–4 family		438,391			433,015
Other		4,415			4,129
Total		442,806			437,144
Consumer
Auto		164,600			168,397
Recreation		5,021			5,365
Real estate/home improvement		49,114			47,015
Home equity		125,556			127,113
Unsecured		3,836			4,120
Other		11,509			10,290
Total		359,636			362,300
Mortgage warehouse		119,876			144,692
Total loans		1,720,072			1,749,131
Allowance for loan losses		(14,236	)		(14,534	)
Loans, net	$	1,705,836		$	1,734,597

Recorded Investment of Individual Loan Categories

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

March 31, 2016	Loan Balance			Interest Due		Deferred Fees / (Costs)			Recorded Investment
Owner occupied real estate	$	264,899		$	611	$	1,205		$	266,715
Non owner occupied real estate		324,824			336		506			325,666
Residential spec homes		7,011			12		17			7,040
Development & spec land loans		19,961			46		18			20,025
Commercial and industrial		179,006			1,101		307			180,414
Total commercial		795,701			2,106		2,053			799,860
Residential mortgage		421,422			1,283		2,364			425,069
Residential construction		19,020			34		—			19,054
Mortgage warehouse		119,876			480		—			120,356
Total real estate		560,318			1,797		2,364			564,479
Direct installment		56,767			160		(360	)		56,567
Direct installment purchased		140			—		—			140
Indirect installment		147,574			304		—			147,878
Home equity		156,160			621		(645	)		156,136
Total consumer		360,641			1,085		(1,005	)		360,721
Total loans		1,716,660			4,988		3,412			1,725,060
Allowance for loan losses		(14,236	)		—		—			(14,236	)
Net loans	$	1,702,424		$	4,988	$	3,412		$	1,710,824

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

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:

	March 31		March 31		March 31		March 31
	2016		2016		2016		2016
	Heartland		Summit		Peoples		Total
Commercial	$	1,282	$	5,494	$	962	$	7,738
Real estate		676		1,199		289		2,164
Consumer		1		9		—		10
Outstanding balance	$	1,959	$	6,702	$	1,251	$	9,912
Carrying amount, net of allowance of $0							$	9,912
	December 31 2015 Heartland		December 31 2015 Summit		December 31 2015 Peoples		December 31 2015 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