Activity in the allowance for loan and lease losses ("ALLL") was as follows:

(in thousands)	2012		2011		2010
ALLL balance, beginning of year	$	33,171	$	34,805	$	32,643
Provision charged to operations		9,450		13,262		16,484
Recoveries		3,214		2,638		3,314
Charge-offs		12,590		17,534		17,636
ALLL balance, end of year	$	33,245	$	33,171	$	34,805

The following tables present the balance in the allowance for loan losses and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2012 and 2011:

2012
(in thousands)	Commercial Construction		Commercial Secured by Real Estate		Commercial Other		Equipment Lease Financing		Real Estate Construction		Real Estate Mortgage		Home Equity		Consumer Direct		Consumer Indirect			Total
Allowance for loan losses
Balance, beginning of year	$	4,023	$	11,753	$	5,608	$	112	$	354	$	4,302	$	562	$	917	$	5,540		$	33,171
Provision charged to expense		1,009		3,520		2,330		14		183		1,437		238		892		(173	)		9,450
Losses charged off		1,034		2,035		3,233		0		189		1,123		248		1,245		3,483			12,590
Recoveries		35		303		764		0		28		151		11		538		1,384			3,214
Balance, end of year	$	4,033	$	13,541	$	5,469	$	126	$	376	$	4,767	$	563	$	1,102	$	3,268		$	33,245

Ending balance:
Individually evaluated for impairment	$	1,820	$	1,090	$	338	$	0	$	0	$	0	$	0	$	0	$	0		$	3,248
Collectively evaluated for impairment	$	2,213	$	12,451	$	5,131	$	126	$	376	$	4,767	$	563	$	1,102	$	3,268		$	29,997

Loans
Ending balance:
Individually evaluated for impairment	$	9,395	$	38,113	$	14,295	$	0	$	0	$	695	$	0	$	0	$	0		$	62,498
Collectively evaluated for impairment	$	110,052	$	769,100	$	362,053	$	9,246	$	55,041	$	696,233	$	82,292	$	122,581	$	281,477		$	2,488,075

2011
(in thousands)	Commercial Construction		Commercial Secured by Real Estate		Commercial Other		Equipment Lease Financing			Real Estate Construction		Real Estate Mortgage		Home Equity		Consumer Direct		Consumer Indirect		Total
Allowance for loan losses
Balance, beginning of year	$	4,332	$	12,327	$	7,392	$	148		$	271	$	2,982	$	407	$	1,169	$	5,777	$	34,805
Provision charged to expense		2,171		3,304		1,867		(36	)		376		2,827		310		257		2,186		13,262
Losses charged off		2,510		4,018		4,092		0			319		1,589		171		961		3,874		17,534
Recoveries		30		140		441		0			26		82		16		452		1,451		2,638
Balance, end of year	$	4,023	$	11,753	$	5,608	$	112		$	354	$	4,302	$	562	$	917	$	5,540	$	33,171

Ending balance:
Individually evaluated for impairment	$	2,203	$	1,156	$	1,310	$	0		$	0	$	0	$	0	$	0	$	0	$	4,669
Collectively evaluated for impairment	$	1,820	$	10,597	$	4,298	$	112		$	354	$	4,302	$	562	$	917	$	5,540	$	28,502

Loans
Ending balance:
Individually evaluated for impairment	$	10,572	$	31,336	$	5,202	$	0		$	0	$	0	$	0	$	0	$	0	$	47,110
Collectively evaluated for impairment	$	110,005	$	767,551	$	369,395	$	9,706		$	53,534	$	650,075	$	84,841	$	123,949	$	340,382	$	2,509,438