(4) Loans

Loan balances were as follows:


	March 31, 2016			December 31, 2015
Commercial and agriculture	$	122,207		$	124,402
Commercial real estate- owner occupied		166,859			167,897
Commercial real estate- non-owner occupied		344,717			348,439
Residential real estate		243,835			236,338
Real estate construction		64,176			58,898
Farm Real Estate		44,960			46,993
Consumer and other		19,049			18,560

Total loans		1,005,803			1,001,527
Allowance for loan losses		(14,433	)		(14,361	)

Net loans	$	991,370		$	987,166

Included in total loans above are deferred loan fees of $1 at March 31, 2016 and $78 at December 31, 2015.