| | December 31, | | ||||
| | 2013 | | 2012 | | ||
Real estate: | | | | | | | |
Secured by residential, commercial and professional office properties, | | | | | | | |
including construction and development | | $ | 318,383 | | $ | 303,424 | |
Secured by residential properties | | | 150,952 | | | 170,514 | |
Secured by farm land | | | 108,504 | | | 71,851 | |
| | | | | | | |
Total Real Estate Loans | | | 577,839 | | | 545,789 | |
| | | | | | | |
Agricultural | | | 25,180 | | | 22,482 | |
Commercial and industrial | | | 158,756 | | | 257,896 | |
Small Business Administration loans | | | 14,905 | | | 20,523 | |
Direct Financing leases | | | 3,026 | | | 4,233 | |
Consumer | | | 23,536 | | | 28,872 | |
| | | | | | | |
Total Loans | | | 803,242 | | | 879,795 | |
| | | | | | | |
Deferred loan and lease origination cost, net | | | 1,522 | | | 1,156 | |
Allowance for loan and lease losses | | | (11,677) | | | (13,873) | |
| | | | | | | |
Loans, net | | $ | 793,087 | | $ | 867,078 | |