Total loans outstanding as of the years ended December 31, 2016 and 2015 consisted of the following:

(dollars in thousands)	2016		2015
Commercial and industrial loans:
Working capital lines of credit loans	$	624,404	$	581,025
Non-working capital loans		644,086		598,487
Total commercial and industrial loans		1,268,490		1,179,512

Commercial real estate and multi-family residential loans:
Construction and land development loans		245,182		230,719
Owner occupied loans		469,705		412,026
Nonowner occupied loans		458,404		407,883
Multi-family loans		127,632		79,425
Total commercial real estate and multi-family residential loans		1,300,923		1,130,053

Agri-business and agricultural loans:
Loans secured by farmland		172,633		164,375
Loans for agricultural production		222,210		141,719
Total agri-business and agricultural loans		394,843		306,094

Other commercial loans		98,270		85,075
Total commercial loans		3,062,526		2,700,734

Consumer 1-4 family mortgage loans:
Closed end first mortgage loans		163,155		158,062
Open end and junior lien loans		169,664		163,700
Residential construction and land development loans		15,015		9,341
Total consumer 1-4 family mortgage loans		347,834		331,103

Other consumer loans		61,308		49,113
Total consumer loans		409,142		380,216
Subtotal		3,471,668		3,080,950
Less: Allowance for loan losses		(43,718)		(43,610)
Net deferred loan fees		(741)		(21)
Loans, net	$	3,427,209	$	3,037,319