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Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Allowance for Loan Losses |
Schedule of changes in the allowance for loan losses by segment of loans based on method of impairment | Changes in the allowance for loan losses by segment of loans based on method of impairment for the three and nine months ended September 30, 2014, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Three months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,991 |  | $ | 13,228 |  | $ | 1,754 |  | $ | 2,373 |  | $ | 1,464 |  | $ | 3,046 |  | $ | 23,856
Charge-offs |  |  | 512 |  |  | 545 |  |  | 1 |  |  | 925 |  |  | 174 |  |  | - |  |  | 2,157
Recoveries |  |  | 6 |  |  | 878 |  |  | 3 |  |  | 646 |  |  | 98 |  |  | - |  |  | 1,631
P rovision (r elease) |  |  | 41 |  |  | (744) |  |  | 141 |  |  | 7 |  |  | 16 |  |  | 539 |  |  | -
Ending balance |  | $ | 1,526 |  | $ | 12,817 |  | $ | 1,897 |  | $ | 2,101 |  | $ | 1,404 |  | $ | 3,585 |  | $ | 23,330
Nine months ended September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 2,250 |  | $ | 16,763 |  | $ | 1,980 |  | $ | 2,837 |  | $ | 1,439 |  | $ | 2,012 |  | $ | 27,281
Charge-offs |  |  | 519 |  |  | 1,634 |  |  | 174 |  |  | 2,752 |  |  | 423 |  |  | - |  |  | 5,502
Recoveries |  |  | 56 |  |  | 1,106 |  |  | 507 |  |  | 1,585 |  |  | 297 |  |  | - |  |  | 3,551
(Release) provision |  |  | (261) |  |  | (3,418) |  |  | (416) |  |  | 431 |  |  | 91 |  |  | 1,573 |  |  | (2,000)
Ending balance |  | $ | 1,526 |  | $ | 12,817 |  | $ | 1,897 |  | $ | 2,101 |  | $ | 1,404 |  | $ | 3,585 |  | $ | 23,330
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | 167 |  | $ | 107 |  | $ | 267 |  | $ | - |  | $ | - |  | $ | 541
Ending balance: Collectively evaluated for impairment |  | $ | 1,526 |  | $ | 12,650 |  | $ | 1,790 |  | $ | 1,834 |  | $ | 1,404 |  | $ | 3,585 |  | $ | 22,789
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 114,990 |  | $ | 600,649 |  | $ | 41,936 |  | $ | 365,602 |  | $ | 3,142 |  | $ | 14,563 |  | $ | 1,140,882
Ending balance: Individually evaluated for impairment |  | $ | 1,645 |  | $ | 19,515 |  | $ | 2,585 |  | $ | 17,041 |  | $ | - |  | $ | - |  | $ | 40,786
Ending balance: Collectively evaluated for impairment |  | $ | 113,345 |  | $ | 581,134 |  | $ | 39,351 |  | $ | 348,561 |  | $ | 3,142 |  | $ | 14,563 |  | $ | 1,100,096
1 As of September 30, 2014, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $7.1 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $1.2 million at September 30, 2014. Changes in the allowance for loan losses by segment of loans based on method of impairment for the three and nine months ended September 30, 2013, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 3,332 |  | $ | 18,097 |  | $ | 2,690 |  | $ | 5,021 |  | $ | 1,372 |  | $ | 4,530 |  | $ | 35,042
Charge-offs |  |  | 29 |  |  | 851 |  |  | 53 |  |  | 3,594 |  |  | 168 |  |  | - |  |  | 4,695
Recoveries |  |  | 60 |  |  | 523 |  |  | 15 |  |  | 209 |  |  | 143 |  |  | - |  |  | 950
(Release) provision |  |  | (469) |  |  | (1,354) |  |  | (252) |  |  | 1,352 |  |  | 162 |  |  | (1,189) |  |  | (1,750)
Ending balance |  | $ | 2,894 |  | $ | 16,415 |  | $ | 2,400 |  | $ | 2,988 |  | $ | 1,509 |  | $ | 3,341 |  | $ | 29,547
Nine Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 4,517 |  | $ | 20,100 |  | $ | 3,837 |  | $ | 4,535 |  | $ | 1,178 |  | $ | 4,430 |  | $ | 38,597
Charge-offs |  |  | 308 |  |  | 2,377 |  |  | 951 |  |  | 5,193 |  |  | 474 |  |  | - |  |  | 9,303
Recoveries |  |  | 104 |  |  | 3,752 |  |  | 1,265 |  |  | 792 |  |  | 390 |  |  | - |  |  | 6,303
(Release) provision |  |  | (1,419) |  |  | (5,060) |  |  | (1,751) |  |  | 2,854 |  |  | 415 |  |  | (1,089) |  |  | (6,050)
Ending balance |  | $ | 2,894 |  | $ | 16,415 |  | $ | 2,400 |  | $ | 2,988 |  | $ | 1,509 |  | $ | 3,341 |  | $ | 29,547
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | 750 |  | $ | 412 |  | $ | 988 |  | $ | - |  | $ | - |  | $ | 2,150
Ending balance: Collectively evaluated for impairment |  | $ | 2,894 |  | $ | 15,665 |  | $ | 1,988 |  | $ | 2,000 |  | $ | 1,509 |  | $ | 3,341 |  | $ | 27,397
Financing receivables: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 98,026 |  | $ | 554,874 |  | $ | 30,996 |  | $ | 376,859 |  | $ | 2,570 |  | $ | 14,315 |  | $ | 1,077,640
Ending balance: Individually evaluated for impairment |  | $ | 29 |  | $ | 24,849 |  | $ | 7,698 |  | $ | 21,675 |  | $ | - |  | $ | - |  | $ | 54,251
Ending balance: Collectively evaluated for impairment |  | $ | 97,997 |  | $ | 530,025 |  | $ | 23,298 |  | $ | 355,184 |  | $ | 2,570 |  | $ | 14,315 |  | $ | 1,023,389
1 As of September 30, 2013, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $14.4 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $2.7 million at September 30, 2013.

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524 + Details
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