Loan balances were as follows:


	June 30, 2023			December 31, 2022
Commercial & Agriculture	$	292,091		$	278,595
Commercial Real Estate- Owner Occupied		367,797			371,147
Commercial Real Estate- Non-Owner Occupied		1,063,263			1,018,736
Residential Real Estate		589,066			552,781
Real Estate Construction		234,261			243,127
Farm Real Estate		24,123			24,708
Lease Financing Receivable		46,553			36,797
Consumer and Other		19,126			20,775
Total loans		2,636,280			2,546,666
Allowance for credit losses		(35,149	)		(28,511	)
Net loans	$	2,601,131		$	2,518,155

Included in Commercial & Agriculture loans above are $403 and $566 of Paycheck Protection Program (“PPP”) loans as of June 30, 2023 and December 31, 2022, respectively.

Included in total loans above are net deferred loan fees of $2,218 and $1,652 at June 30, 2023 and December 31, 2022, respectively.

The Company elected to exclude accrued interest receivable from the amortized cost basis of loans disclosed throughout this Note 4 and Note 5 (Allowance for Credit Losses). As of June 30, 2023 and December 31, 2022, accrued interest receivable totaled $11,043 and $11,178, respectively, and is included in the accrued interest receivable line item on the Company's Consolidated Balance Sheet.