95 / 146
SIERRA BANCORP AND SUBSIDIARY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(Continued)
79
4.
LOANS AND LEASES
(Continued)
Loans evaluated for impairment:
Individually Collectively Individually Collectively Individually Collectively
Real estate
20,896
$
757,212
$
30,620
$
673,610
$
47,010
$
530,829
$
Agricultural
-
46,237
-
27,746
470
24,710
Commercial and Industrial
(1)
2,588
290,974
2,916
216,876
5,444
171,243
Consumer
2,037
12,912
2,888
15,997
3,463
20,073
Total loans
25,521
$
1,107,335
$
36,424
$
934,229
$
56,387
$
746,855
$
(1)
Includes mortgage warehouse lines
Reserves based on method of evaluation for impairment:
Specific
General
Specific
General
Specific
General
Real estate
2,889
$
1,894
$
3,864
$
2,379
$
2,867
$
2,677
$
Agricultural
-
722
-
986
126
852
Commercial and Industrial
(1)
683
1,850
916
1,028
1,925
1,862
Consumer
343
920
668
1,097
431
686
Unallocated
-
1,122
-
310
-
251
Total loan loss reserves
3,915
$
6,508
$
5,448
$
5,800
$
5,349
$
6,328
$
(1)
Includes mortgage warehouse lines
December 31, 2015
December 31, 2014
December 31, 2013
December 31, 2015
December 31, 2014
December 31, 2013