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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 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 year ended December 31, 2014, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 2,250 |  | $ | 16,763 |  | $ | 1,980 |  | $ | 2,837 |  | $ | 1,439 |  | $ | 2,012 |  | $ | 27,281
Charge-offs |  |  | 578 |  |  | 1,972 |  |  | 174 |  |  | 3,393 |  |  | 526 |  |  | - |  |  | 6,643
Recoveries |  |  | 58 |  |  | 1,346 |  |  | 633 |  |  | 1,842 |  |  | 420 |  |  | - |  |  | 4,299
(Release) provision |  |  | (86) |  |  | (3,560) |  |  | (964) |  |  | 695 |  |  | 121 |  |  | 494 |  |  | (3,300)
Ending balance |  | $ | 1,644 |  | $ | 12,577 |  | $ | 1,475 |  | $ | 1,981 |  | $ | 1,454 |  | $ | 2,506 |  | $ | 21,637
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | 21 |  | $ | 98 |  | $ | 159 |  | $ | - |  | $ | - |  | $ | 278
Ending balance: Collectively evaluated for impairment |  | $ | 1,644 |  | $ | 12,556 |  | $ | 1,377 |  | $ | 1,822 |  | $ | 1,454 |  | $ | 2,506 |  | $ | 21,359
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 127,196 |  | $ | 600,629 |  | $ | 44,795 |  | $ | 370,191 |  | $ | 3,504 |  | $ | 13,017 |  | $ | 1,159,332
Ending balance: Individually evaluated for impairment |  | $ | 1,500 |  | $ | 15,253 |  | $ | 2,352 |  | $ | 16,781 |  | $ | - |  | $ | - |  | $ | 35,886
Ending balance: Collectively evaluated for impairment |  | $ | 125,696 |  | $ | 585,376 |  | $ | 42,443 |  | $ | 353,410 |  | $ | 3,504 |  | $ | 13,017 |  | $ | 1,123,446
1 As of December 31, 2014, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $5.5 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $1.1 million at December 31, 2014. Also as of December 31, 2014, the Company’s loan portfolio included $13.0 million in loans secured by funds held by the Company as collateral. The Company has consistently tracked these loans as not subject to the loan loss reserve methodology. Changes in the allowance for loan losses by segment of loans based on method of impairment for the year ended December 31, 2013, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 4,517 |  | $ | 20,100 |  | $ | 3,837 |  | $ | 4,535 |  | $ | 1,178 |  | $ | 4,430 |  | $ | 38,597
Charge-offs |  |  | 316 |  |  | 2,985 |  |  | 1,014 |  |  | 6,293 |  |  | 597 |  |  | - |  |  | 11,205
Recoveries |  |  | 119 |  |  | 5,325 |  |  | 1,266 |  |  | 1,221 |  |  | 508 |  |  | - |  |  | 8,439
(Release) provision |  |  | (2,070) |  |  | (5,677) |  |  | (2,109) |  |  | 3,374 |  |  | 350 |  |  | (2,418) |  |  | (8,550)
Ending balance |  | $ | 2,250 |  | $ | 16,763 |  | $ | 1,980 |  | $ | 2,837 |  | $ | 1,439 |  | $ | 2,012 |  | $ | 27,281
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | 1,152 |  | $ | 355 |  | $ | 888 |  | $ | - |  | $ | - |  | $ | 2,395
Ending balance: Collectively evaluated for impairment |  | $ | 2,250 |  | $ | 15,611 |  | $ | 1,625 |  | $ | 1,949 |  | $ | 1,439 |  | $ | 2,012 |  | $ | 24,886
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 104,805 |  | $ | 560,233 |  | $ | 29,351 |  | $ | 390,201 |  | $ | 2,760 |  | $ | 13,906 |  | $ | 1,101,256
Ending balance: Individually evaluated for impairment |  | $ | 27 |  | $ | 21,116 |  | $ | 4,746 |  | $ | 20,681 |  | $ | - |  | $ | - |  | $ | 46,570
Ending balance: Collectively evaluated for impairment |  | $ | 104,778 |  | $ | 539,117 |  | $ | 24,605 |  | $ | 369,520 |  | $ | 2,760 |  | $ | 13,906 |  | $ | 1,054,686
1 As of December 31, 2013, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $17.2 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $2.1 million at December 31, 2013. Changes in the allowance for loan losses by segment of loans based on method of impairment for the year ended December 31, 201 2, were as follows:
Allowance for loan losses: |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
|  | Commercial |  | Commercial 1 |  | Construction |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 5,070 |  | $ | 30,770 |  | $ | 7,937 |  | $ | 6,335 |  | $ | 884 |  | $ | 1,001 |  | $ | 51,997
Charge-offs |  |  | 344 |  |  | 13,508 |  |  | 4,969 |  |  | 8,406 |  |  | 638 |  |  | - |  |  | 27,865
Recoveries |  |  | 115 |  |  | 3,576 |  |  | 3,420 |  |  | 583 |  |  | 487 |  |  | - |  |  | 8,181
(Release) provision |  |  | (324) |  |  | (738) |  |  | (2,551) |  |  | 6,023 |  |  | 445 |  |  | 3,429 |  |  | 6,284
Ending balance |  | $ | 4,517 |  | $ | 20,100 |  | $ | 3,837 |  | $ | 4,535 |  | $ | 1,178 |  | $ | 4,430 |  | $ | 38,597
Ending balance: Individually evaluated for impairment |  | $ | 458 |  | $ | 2,248 |  | $ | 1,113 |  | $ | 2,440 |  | $ | - |  | $ | - |  | $ | 6,259
Ending balance: Collectively evaluated for impairment |  | $ | 4,059 |  | $ | 17,852 |  | $ | 2,724 |  | $ | 2,095 |  | $ | 1,178 |  | $ | 4,430 |  | $ | 32,338
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 93,001 |  | $ | 579,687 |  | $ | 42,167 |  | $ | 414,543 |  | $ | 3,101 |  | $ | 17,551 |  | $ | 1,150,050
Ending balance: Individually evaluated for impairment |  | $ | 762 |  | $ | 47,581 |  | $ | 11,579 |  | $ | 29,040 |  | $ | 23 |  | $ | - |  | $ | 88,985
Ending balance: Collectively evaluated for impairment |  | $ | 92,239 |  | $ | 532,106 |  | $ | 30,588 |  | $ | 385,503 |  | $ | 3,078 |  | $ | 17,551 |  | $ | 1,061,065
1 As of December 31, 2012, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $22.7 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $1.8 million at December 31, 2012.

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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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