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Loans
 12 Months Ended
Dec. 31, 2019
Loans and Leases Receivable, Net Amount [Abstract]  
Loans LOANS

The following summarizes the Company’s major classifications for loans (in thousands):

 
December 31, 2019
December 31, 2018
 
 
 
Residential real estate
$
1,640,396

$
1,635,338

Home equity
148,928

153,496

Commercial and industrial
308,015

286,314

Commercial real estate
1,459,737

1,454,942

Consumer
54,263

51,190

DDA overdrafts
4,760

6,328

Gross loans
3,616,099

3,587,608

Allowance for loan losses
(11,589
)
(15,966
)
Net loans
$
3,604,510

$
3,571,642

 
 
 
Construction loans included in:
 
 
   Residential real estate
$
29,033

$
21,834

   Commercial real estate
64,049

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 policy, which is 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.