Loans

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Loans

NOTE 4 - LOANS

Loans at year-end were as follows:

	2018			2017
Commercial and Agriculture	$	177,101		$	152,473
Commercial Real Estate - owner occupied		210,121			164,099
Commercial Real Estate - non-owner occupied		523,598			425,623
Residential Real Estate		457,850			268,735
Real Estate Construction		135,195			97,531
Farm Real Estate		38,513			39,461
Consumer and Other		19,563			16,739
Total Loans		1,561,941			1,164,661
Allowance for loan losses		(13,679	)		(13,134	)
Net loans	$	1,548,262		$	1,151,527

Included in total loans above are deferred loan fees of $389 and $223 at December 31, 2018 and 2017, respectively.

NOTE 4 – LOANS (Continued)

Loans to principal officers, directors, and their affiliates at year-end 2018 and 2017 were as follows:

	2018			2017
Balance - Beginning of year	$	14,002		$	14,389
New loans and advances		3,308			2,344
Repayments		(2,324	)		(1,256	)
Effect of changes to related parties		(6,264	)		(1,475	)
Balance - End of year	$	8,722		$	14,002