5.	Loans & Leases

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

(in thousands)	2017		2016
Commercial Real Estate	$	691,639	$	674,445
Agricultural Real Estate		499,231		467,685
Real Estate Construction		100,206		176,462
Residential 1st Mortgages		260,751		242,247
Home Equity Lines and Loans		34,525		31,625
Agricultural		273,582		295,325
Commercial		265,703		217,577
Consumer & Other		6,656		6,913
Leases		88,957		70,986
Total Gross Loans & Leases		2,221,250		2,183,265
Less: Unearned Income		5,955		5,664
Subtotal		2,215,295		2,177,601
Less: Allowance for Credit Losses		50,342		47,919
Loans & Leases, Net	$	2,164,953	$	2,129,682

At December 31, 2017, 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 $618.4 million and $568.6 million, respectively. The borrowing capacity on these loans was $521.2 million from FHLB and $381.4 million from the FRB.