LOANS (Tables)

12 Months Ended

Dec. 31, 2020

LOANS

Schedule of Loans

Total loans outstanding as of the years ended December 31, 2020 and 2019 consisted of the following:

(dollars in thousands)	2020		2019
Commercial and industrial loans:
Working capital lines of credit loans	$	626,023	$	709,849
Non-working capital loans		1,165,355		717,019
Total commercial and industrial loans		1,791,378		1,426,868
Commercial real estate and multi-family residential loans:
Construction and land development loans		362,653		287,641
Owner occupied loans		648,019		573,665
Nonowner occupied loans		579,625		571,364
Multi-family loans		304,717		240,652
Total commercial real estate and multi-family residential loans		1,895,014		1,673,322
Agri-business and agricultural loans:
Loans secured by farmland		195,410		174,380
Loans for agricultural production		234,234		205,151
Total agri-business and agricultural loans		429,644		379,531
Other commercial loans		94,013		112,302
Total commercial loans		4,210,049		3,592,023
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		167,847		177,227
Open end and junior lien loans		163,664		186,552
Residential construction and land development loans		12,007		12,966
Total consumer 1-4 family mortgage loans		343,518		376,745
Other consumer loans		103,616		98,617
Total consumer loans		447,134		475,362
Gross loans		4,657,183		4,067,385
Less: Allowance for loan losses		(61,408)		(50,652)
Net deferred loan fees		(8,027)		(1,557)
Loans, net	$	4,587,748	$	4,015,176