September 30,

December 31,

(dollars in thousands)

2020

2019

Commercial and industrial loans:

Working capital lines of credit loans

$

592,560

12.9

%

$

709,849

17.5

%

Non-working capital loans

1,256,853

27.3

717,019

17.6

Total commercial and industrial loans

1,849,413

40.2

1,426,868

35.1

Commercial real estate and multi-family residential loans:

Construction and land development loans

393,101

8.5

287,641

7.1

Owner occupied loans

619,820

13.5

573,665

14.1

Nonowner occupied loans

567,674

12.3

571,364

14.0

Multifamily loans

279,713

6.1

240,652

5.9

Total commercial real estate and multi-family residential loans

1,860,308

40.4

1,673,322

41.1

Agri-business and agricultural loans:

Loans secured by farmland

150,503

3.2

174,380

4.3

Loans for agricultural production

187,651

4.1

205,151

5.0

Total agri-business and agricultural loans

338,154

7.3

379,531

9.3

Other commercial loans

97,533

2.1

112,302

2.8

Total commercial loans

4,145,408

90.0

3,592,023

88.3

Consumer 1-4 family mortgage loans:

Closed end first mortgage loans

170,671

3.7

177,227

4.4

Open end and junior lien loans

170,867

3.7

186,552

4.6

Residential construction and land development loans

11,012

0.3

12,966

0.3

Total consumer 1-4 family mortgage loans

352,550

7.7

376,745

9.3

Other consumer loans

105,285

2.3

98,617

2.4

Total consumer loans

457,835

10.0

475,362

11.7

Subtotal

4,603,243

100.0

%

4,067,385

100.0

%

Less: Allowance for loan losses

(60,747)

(50,652)

Net deferred loan fees

(13,319)

(1,557)

Loans, net

$

4,529,177

$

4,015,176