5.	Loans & Leases

Loans & leases as of December 31 consisted of the following:

(in thousands)	2016		2015
Commercial Real Estate	$	674,445	$	609,602
Agricultural Real Estate		467,685		424,034
Real Estate Construction		176,462		151,974
Residential 1st Mortgages		242,247		206,405
Home Equity Lines and Loans		31,625		33,056
Agricultural		295,325		293,966
Commercial		217,577		210,804
Consumer & Other		6,913		6,592
Leases		70,986		65,054
Total Gross Loans & Leases		2,183,265		2,001,487
Less: Unearned Income		5,664		5,128
Subtotal		2,177,601		1,996,359
Less: Allowance for Credit Losses		47,919		41,523
Loans & Leases, Net	$	2,129,682	$	1,954,836

At December 31, 2016, the portion of loans that were approved for pledging as collateral on borrowing lines with the Federal Home Loan Bank (“FHLB”) and the Federal Reserve Bank (“FRB”) were $664.7 million and $548.0 million, respectively. The borrowing capacity on these loans was $566.5 million from FHLB and $356.1 million from the FRB.