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Loans
 9 Months Ended
Sep. 30, 2019
Loans and Leases Receivable, Net Amount [Abstract]  
Loans Loans

The following summarizes the Company’s major classifications for loans (in thousands):
 
September 30, 2019
December 31, 2018
Residential real estate
$
1,643,416

$
1,635,338

Home equity
150,808

153,496

Commercial and industrial
296,927

286,314

Commercial real estate
1,431,983

1,454,942

Consumer
54,799

51,190

DDA overdrafts
4,638

6,328

Gross loans
3,582,571

3,587,608

Allowance for loan losses
(13,186
)
(15,966
)
Net loans
$
3,569,385

$
3,571,642

 
 
 
Construction loans included in:
 
 
  Residential real estate
$
24,955

$
21,834

  Commercial real estate
55,267

37,869



The Company’s commercial and residential real estate construction loans are primarily secured by real estate within the Company’s principal markets.  These loans were originated under the Company’s loan policies, which are focused on the risk characteristics of the loan portfolio, including construction loans. In the judgment of the Company's management, adequate consideration has been given to these loans in establishing the Company's allowance for loan losses.