Note 5 – Allowance for Loan Losses

Changes in the allowance for loan losses by segment of loans based on method of impairment for three months ending March 31, 2017, were as follows:


					Real Estate		Real Estate		Real Estate
Allowance for loan losses:	Commercial		Leases		Commercial		Construction		Residential		Consumer		Other		Total
Three months ended March 31, 2017
Beginning balance	$	1,629	$	633	$	9,547	$	389	$	2,692	$	833	$	435	$	16,158
Charge-offs		1		117		274		4		195		100		-		691
Recoveries		2		-		35		18		142		75		2		274
Provision (Release)		42		87		(1,477)		575		417		(44)		400		-
Ending balance	$	1,672	$	603	$	7,831	$	978	$	3,056	$	764	$	837	$	15,741

Ending balance: Individually evaluated for impairment	$	-	$	-	$	-	$	-	$	803	$	-	$	-	$	803
Ending balance: Collectively evaluated for impairment	$	1,672	$	603	$	7,831	$	978	$	2,253	$	764	$	837	$	14,938

Loans:
Ending balance	$	233,922	$	64,607	$	713,358	$	87,049	$	373,477	$	2,913	$	12,695	$	1,488,021
Ending balance: Individually evaluated for impairment	$	24	$	484	$	3,341	$	274	$	13,441	$	210	$	-	$	17,774
Ending balance: Collectively evaluated for impairment	$	233,898	$	64,123	$	710,017	$	86,775	$	360,036	$	2,703	$	12,695	$	1,470,247

Changes in the allowance for loan losses by segment of loans based on method of impairment for March 31, 2016, were as follows:


					Real Estate		Real Estate		Real Estate
Allowance for loan losses:	Commercial		Leases		Commercial		Construction		Residential		Consumer		Other		Total
Three months ended March 31, 2016
Beginning balance	$	2,041	$	55	$	9,013	$	265	$	1,694	$	1,190	$	1,965	$	16,223
Charge-offs		11		13		2		-		266		83		-		375
Recoveries		4		-		83		5		229		71		6		398
Provision (Release)		139		142		(301)		(20)		7		(103)		136		-
Ending balance	$	2,173	$	184	$	8,793	$	250	$	1,664	$	1,075	$	2,107	$	16,246

Ending balance: Individually evaluated for impairment	$	68	$	-	$	-	$	-	$	-	$	-	$	-	$	68
Ending balance: Collectively evaluated for impairment	$	2,105	$	184	$	8,793	$	250	$	1,664	$	1,075	$	2,107	$	16,178

Loans:
Ending balance	$	120,460	$	30,647	$	598,943	$	20,331	$	351,849	$	2,663	$	13,945	$	1,138,838
Ending balance: Individually evaluated for impairment	$	536	$	-	$	4,592	$	81	$	14,976	$	-	$	-	$	20,185
Ending balance: Collectively evaluated for impairment	$	119,924	$	30,647	$	594,351	$	20,250	$	336,873	$	2,663	$	13,945	$	1,118,653