5. Loans & Leases

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

(in thousands)	2018		2017
Commercial Real Estate	$	834,476	$	691,639
Agricultural Real Estate		584,625		499,231
Real Estate Construction		98,568		100,206
Residential 1st Mortgages		259,736		260,751
Home Equity Lines and Loans		40,789		34,525
Agricultural		290,463		273,582
Commercial		343,834		265,703
Consumer & Other		19,412		6,656
Leases		106,217		88,957
Total Gross Loans & Leases		2,578,120		2,221,250
Less: Unearned Income		6,879		5,955
Subtotal		2,571,241		2,215,295
Less: Allowance for Credit Losses		55,266		50,342
Loans & Leases, Net	$	2,515,975	$	2,164,953

Loan growth for the year ending December 31, 2018 was $356.9 million, which included $80.5 million from the BRV acquisition.

At December 31, 2018, 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 $753.6 million and $717.8 million, respectively. The borrowing capacity on these loans was $617.8 million from FHLB and $453.0 million from the FRB.