SIERRA BANCORP AND SUBSIDIARY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(Continued)
76
4.
LOANS AND LEASES
(Continued)
Credit quality classifications as of December 31, 2013 were as follows (dollars in thousands):
Real Estate:
1-4 family
residential construction $ 1,720 $ - $ - $ - $ 1,720
Other Construction/Land
18,243
334
203
6,751
25,531
1-4 family - closed-end
67,051
1,305
770
17,898
87,024
Equity Lines
51,019
254
1,429
1,021
53,723
Multi-family residential
8,059
426
-
-
8,485
Commercial real estate
owner occupied
158,155
17,033
3,261
7,563
186,012
Commercial real estate
Non-owner occupied
89,475
3,630
240
13,495
106,840
Farmland
105,623
1,780
819
282
108,504
Total Real Estate
499,345
24,762
6,722
47,010
577,839
Agricultural
24,178
532
-
470
25,180
Commercial and Industrial
93,224
3,358
1,236
5,444
103,262
Mortgage warehouse lines
73,425
-
-
-
73,425
Consumer loans
19,387
478
208
3,463
23,536
Total Gross Loans and Leases $ 709,559 $ 29,130 $ 8,166 $ 56,387 $ 803,242
Pass
Special Mention Substandard
Impaired
Total
