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SIERRA BANCORP AND SUBSIDIARY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(Continued)
77
4.
LOANS AND LEASES
(Continued)
Credit quality classifications as of December 31, 2014 were as follows (dollars in thousands):
Real Estate:
1-4 family
residential construction $ 5,858 $ - $ - $ - $ 5,858
Other Construction/Land
15,238
247
-
4,423
19,908
1-4 family - closed-end
105,398
833
918
7,110
114,259
Equity Lines
46,819
294
1,237
1,367
49,717
Multi-family residential
18,127
420
-
171
18,718
Commercial real estate
owner occupied
191,495
18,694
3,845
4,620
218,654
Commercial real estate
Non-owner occupied
114,317
4,250
631
12,879
132,077
Farmland
142,295
1,950
744
50
145,039
Total Real Estate
639,547
26,688
7,375
30,620
704,230
Agricultural
27,215
531
-
-
27,746
Commercial and Industrial
108,469
1,529
857
2,916
113,771
Mortgage warehouse lines
106,021
-
-
-
106,021
Consumer loans
15,752
222
23
2,888
18,885
Total Gross Loans and Leases $ 897,004 $ 28,970 $ 8,255 $ 36,424 $ 970,653
Pass
Special Mention Substandard
Impaired
Total