Total loans outstanding as of the years ended December 31, 2017 and 2016 consisted of the following:

(dollars in thousands)	2017	2016
Commercial and industrial loans:
Working capital lines of credit loans	$743,609	$624,404
Non-working capital loans	675,072	644,086
Total commercial and industrial loans	1,418,681	1,268,490

Commercial real estate and multi-family residential loans:
Construction and land development loans	224,474	245,182
Owner occupied loans	538,603	469,705
Nonowner occupied loans	508,121	458,404
Multi-family loans	173,715	127,632
Total commercial real estate and multi-family residential loans	1,444,913	1,300,923

Agri-business and agricultural loans:
Loans secured by farmland	186,437	172,633
Loans for agricultural production	196,404	222,210
Total agri-business and agricultural loans	382,841	394,843

Other commercial loans	124,076	98,270
Total commercial loans	3,370,511	3,062,526

Consumer 1-4 family mortgage loans:
Closed end first mortgage loans	179,302	163,155
Open end and junior lien loans	181,865	169,664
Residential construction and land development loans	13,478	15,015
Total consumer 1-4 family mortgage loans	374,645	347,834

Other consumer loans	74,369	61,308
Total consumer loans	449,014	409,142
Subtotal . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	3,819,525	3,471,668
Less: Allowance for loan losses	(47,121)	(43,718)
Net deferred loan fees	(1,066)	(741)
Loans, net . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$3,771,338	$3,427,209