99 / 146
SIERRA BANCORP AND SUBSIDIARY
NOTES TO CONSOLIDATED FINANCIAL STATEMENTS
(Continued)
83
4.
LOANS AND LEASES
(Continued)
With an Allowance Recorded
Real Estate:
1-4 family residential construction
-
$
-
$
-
$
-
$
-
$
Other Construction/Land
1,155
1,078
179
1,193
70
1-4 Family - closed-end
4,167
4,167
288
4,276
258
Equity Lines
797
797
230
878
14
Multifamily residential
171
171
51
173
-
Commercial real estate- owner occupied
2,791
2,681
1,385
3,069
60
Commercial real estate- non-owner occupied
3,463
3,463
1,731
3,545
263
Farmland
-
-
-
-
-
Total Real Estate
12,544
12,357
3,864
13,134
665
Agricultural
-
-
-
-
-
Commercial and Industrial
2,910
2,898
916
3,046
123
Consumer loans
2,790
2,788
668
3,115
150
18,244
18,043
5,448
19,295
938
With no RelatedAllowance Recorded
Real Estate:
1-4 family residential construction
-
$
-
$
-
$
-
$
-
$
Other Construction/Land
3,345
3,345
-
4,143
-
1-4 Family - closed-end
2,943
2,943
-
9,186
-
Equity Lines
609
570
-
611
-
Multifamily residential
-
-
-
-
-
Commercial real estate- owner occupied
2,915
1,939
-
3,046
-
Commercial real estate- non-owner occupied
9,563
9,416
-
10,306
118
Farmland
51
50
-
52
-
Total Real Estate
19,426
18,263
-
27,344
118
Agricultural
-
-
-
-
-
Commercial and Industrial
35
18
-
81
-
Consumer loans
275
100
-
347
-
19,736
18,381
-
27,772
118
Total
37,980
$
36,424
$
5,448
$
47,067
$
1,056
$
(1)
Contractual principal balance due fromcustomer.
(2)
Principal balance on Company's books, less any direct charge offs.
(3)
Interest income is recognized on performing balances on a regular accrual basis.
December 31, 2014
Unpaid Principal
Balance
(1)
Recorded
Investment
(2)
Related Allowance
Average Recorded
Investment
Interest Income
Recognized
(3)