92 / 146
SIERRA BANCORP AND SUBSIDIARY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(Continued)
76
4.
LOANS AND LEASES
(Continued)
Credit quality classifications as of December 31, 2015 were as follows (dollars in thousands):
Real Estate:
1-4 family
residential construction $ 13,784 $ 1,157 $ - $ - $ 14,941
Other Construction/Land
35,901
135
-
1,323
37,359
1-4 family - closed-end
127,972
2,498
387
6,499
137,356
Equity Lines
39,966
199
957
3,111
44,233
Multi-family residential
26,178
-
-
1,044
27,222
Commercial real estate
owner occupied
196,211
12,075
7,322
3,100
218,708
Commercial real estate
Non-owner occupied
155,223
4,505
170
5,209
165,107
Farmland
130,285
1,563
724
610
133,182
Total Real Estate
725,520
22,132
9,560
20,896
778,108
Agricultural
46,197
40
-
-
46,237
Commercial and Industrial
108,931
933
755
2,588
113,207
Mortgage warehouse lines
180,355
-
-
-
180,355
Consumer loans
12,718
178
16
2,037
14,949
Total Gross Loans and Leases $ 1,073,721 $ 23,283 $ 10,331 $ 25,521 $ 1,132,856
Pass
Special Mention Substandard
Impaired
Total