Loans (Tables)

3 Months Ended

Mar. 31, 2018

Amounts of Loans

	March 31 2018			December 31 2017
Commercial
Working capital and equipment	$	721,239		$	720,477
Real estate, including agriculture		865,279			880,861
Tax exempt		36,754			36,324
Other		33,102			32,066
Total		1,656,374			1,669,728
Real estate 1-4 family		610,763			599,217
Other		7,368			7,543
Total		618,131			606,760
Consumer
Auto		267,386			244,003
Recreation		8,749			8,728
Real estate/home improvement		36,073			37,052
Home equity		163,017			165,240
Unsecured		3,257			3,479
Other		2,507			2,497
Total		480,989			460,999
Mortgage warehouse		101,299			94,508
Total loans		2,856,793			2,831,995
Allowance for loan losses		(16,474	)		(16,394	)
Loans, net	$	2,840,319		$	2,815,601

Recorded Investment of Individual Loan Categories

The following table shows the recorded investment of individual loan categories.

	March 31, 2018
	Loan Balance			Interest Due		Deferred Fees/(Costs)			Recorded Investment
Owner occupied real estate	$	581,696		$	1,247	$	1,825		$	584,768
Non-owner occupied real estate		677,932			1,022		2,173			681,127
Residential spec homes		17,473			53		80			17,606
Development & spec land		33,736			77		497			34,310
Commercial and industrial		340,518			2,301		444			343,263
Total commercial		1,651,355			4,700		5,019			1,661,074
Residential mortgage		595,424			1,742		2,260			599,426
Residential construction		20,447			38		—			20,485
Mortgage warehouse		101,299			480		—			101,779
Total real estate		717,170			2,260		2,260			721,690
Direct installment		37,414			98		(552	)		36,960
Indirect installment		250,925			542		163			251,630
Home equity		194,495			876		(1,456	)		193,915
Total consumer		482,834			1,516		(1,845	)		482,505
Total loans		2,851,359			8,476		5,434			2,865,269
Allowance for loan losses		(16,474	)		—		—			(16,474	)
Net loans	$	2,834,885		$	8,476	$	5,434		$	2,848,795
	December 31, 2017
	Loan Balance			Interest Due		Deferred Fees/(Costs)			Recorded Investment
Owner occupied real estate	$	571,982		$	1,511	$	1,917		$	575,410
Non-owner occupied real estate		678,945			1,138		2,478			682,561
Residential spec homes		16,431			63		80			16,574
Development & spec land		48,838			117		579			49,534
Commercial and industrial		347,871			2,572		607			351,050
Total commercial		1,664,067			5,401		5,661			1,675,129
Residential mortgage		588,358			1,776		2,375			592,509
Residential construction		16,027			39		—			16,066
Mortgage warehouse		94,508			480		—			94,988
Total real estate		698,893			2,295		2,375			703,563
Direct installment		37,841			113		(552	)		37,402
Indirect installment		227,323			528		168			228,019
Home equity		197,578			889		(1,359	)		197,108
Total consumer		462,742			1,530		(1,743	)		462,529
Total loans		2,825,702			9,226		6,293			2,841,221
Allowance for loan losses		(16,394	)		—		—			(16,394	)
Net loans	$	2,809,308		$	9,226	$	6,293		$	2,824,827

Loans Purchased With Evidence of Credit Deterioration [Member]

Amounts of Loans

The carrying amounts of those loans included in the balance sheet amounts of loans receivable are as follows:

	March 31, 2018
	Commercial		Real Estate		Consumer		Outstanding Balance		Allowance for Loan Losses		Carrying Amount
Heartland	$	265	$	205	$	—	$	470	$	—	$	470
Summit		3,289		827		—		4,116		—		4,116
Peoples		308		118		—		426		—		426
Kosciusko		823		215		—		1,038		—		1,038
LaPorte		900		991		32		1,923		—		1,923
Lafayette		3,655		—		—		3,655		—		3,655
Wolverine		15,481		—		—		15,481		—		15,481
Total	$	24,721	$	2,356	$	32	$	27,109	$	—	$	27,109
	December 31, 2017
	Commercial		Real Estate		Consumer		Outstanding Balance		Allowance for Loan Losses		Carrying Amount
Heartland	$	390	$	229	$	—	$	619	$	—	$	619
Summit		3,653		870		—		4,523		—		4,523
Peoples		315		126		—		441		—		441
Kosciusko		838		403		—		1,241		—		1,241
LaPorte		1,034		1,004		33		2,071		—		2,071
Lafayette		4,271		—		—		4,271		—		4,271
Wolverine		16,697		—		—		16,697		—		16,697
Total	$	27,198	$	2,632	$	33	$	29,863	$	—	$	29,863