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LOANS
6 Months Ended
Jun. 30, 2013
Loans [Abstract]  
LOANS
NOTE 3. LOANS
 
 
 
June 30,
 
 
December 31,
 
 
 
2013
 
 
2012
 
Commercial and industrial loans:
 
 
 
 
 
 
 
 
 
 
 
 
Working capital lines of credit loans
 
$
462,137
 
19.8
%
 
$
439,638
 
19.5
%
Non-working capital loans
 
 
425,958
 
18.2
 
 
 
407,184
 
18.0
 
Total commercial and industrial loans
 
 
888,095
 
38.0
 
 
 
846,822
 
37.5
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate and multi-family residential loans:
 
 
 
 
 
 
 
 
 
 
 
 
Construction and land development loans
 
 
108,695
 
4.7
 
 
 
82,494
 
3.7
 
Owner occupied loans
 
 
365,071
 
15.6
 
 
 
358,617
 
15.9
 
Nonowner occupied loans
 
 
373,696
 
16.0
 
 
 
314,889
 
13.9
 
Multifamily loans
 
 
37,422
 
1.6
 
 
 
45,011
 
2.0
 
Total commercial real estate and multi-family residential loans
 
 
884,884
 
37.9
 
 
 
801,011
 
35.5
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Agri-business and agricultural loans:
 
 
 
 
 
 
 
 
 
 
 
 
Loans secured by farmland
 
 
100,571
 
4.3
 
 
 
109,147
 
4.8
 
Loans for agricultural production
 
 
97,729
 
4.2
 
 
 
115,572
 
5.1
 
Total agri-business and agricultural loans
 
 
198,300
 
8.5
 
 
 
224,719
 
10.0
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other commercial loans
 
 
46,501
 
2.0
 
 
 
56,807
 
2.5
 
Total commercial loans
 
 
2,017,780
 
86.4
 
 
 
1,929,359
 
85.5
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Consumer 1-4 family mortgage loans:
 
 
 
 
 
 
 
 
 
 
 
 
Closed end first mortgage loans
 
 
116,247
 
5.0
 
 
 
109,823
 
4.9
 
Open end and junior lien loans
 
 
152,571
 
6.5
 
 
 
161,366
 
7.1
 
Residential construction and land development loans
 
 
5,263
 
0.2
 
 
 
11,541
 
0.5
 
Total consumer 1-4 family mortgage loans
 
 
274,081
 
11.7
 
 
 
282,730
 
12.5
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Other consumer loans
 
 
43,470
 
1.9
 
 
 
45,755
 
2.0
 
Total consumer loans
 
 
317,551
 
13.6
 
 
 
328,485
 
14.5
 
Subtotal
 
 
2,335,331
 
100.0
%
 
 
2,257,844
 
100.0
%
Less: Allowance for loan losses
 
 
(50,635)
 
 
 
 
 
(51,445)
 
 
 
Net deferred loan fees
 
 
(631)
 
 
 
 
 
(324)
 
 
 
Loans, net
 
$
2,284,065
 
 
 
 
$
2,206,075