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Allowance for Loan Losses | 12 Months Ended
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Dec. 31, 2017
Allowance for Loan Losses |
Allowance for Loan Losses | Note 6: Allowance for Loan and Lease losses Changes in the ALLL by segment of loans based on method of impairment for the year ended December 31, 2017, were as follows:
|  |  |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
Allowance for loan and lease losses: |  | Commercial |  | Leases |  | Commercial |  | Construction |  | Residential |  | Consumer |  | Other |  | Total
Beginning balance |  | $ | 1,629 |  | $ | 633 |  | $ | 9,547 |  | $ | 389 |  | $ | 2,692 |  | $ | 833 |  | $ | 435 |  | $ | 16,158
Charge-offs |  |  | 25 |  |  | 215 |  |  | 309 |  |  | 23 |  |  | 1,347 |  |  | 386 |  |  | 1 |  |  | 2,306
Recoveries |  |  | 30 |  |  | - |  |  | 161 |  |  | 377 |  |  | 980 |  |  | 243 |  |  | 18 |  |  | 1,809
Provision (Release) |  |  | 819 |  |  | 274 |  |  | 123 |  |  | 180 |  |  | (520) |  |  | 834 |  |  | 90 |  |  | 1,800
Ending balance |  | $ | 2,453 |  | $ | 692 |  | $ | 9,522 |  | $ | 923 |  | $ | 1,805 |  | $ | 1,524 |  | $ | 542 |  | $ | 17,461
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 53 |  | $ | 91 |  | $ | - |  | $ | 144
Ending balance: Collectively evaluated for impairment |  | $ | 2,453 |  | $ | 692 |  | $ | 9,522 |  | $ | 923 |  | $ | 1,752 |  | $ | 1,433 |  | $ | 542 |  | $ | 17,317
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 272,851 |  | $ | 68,325 |  | $ | 750,991 |  | $ | 85,162 |  | $ | 426,230 |  | $ | 2,774 |  | $ | 11,289 |  | $ | 1,617,622
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | 178 |  | $ | 3,041 |  | $ | 201 |  | $ | 14,575 |  | $ | 2,117 |  | $ | - |  | $ | 20,112
Ending balance: Collectively evaluated for impairment |  | $ | 272,851 |  | $ | 68,147 |  | $ | 747,950 |  | $ | 84,961 |  | $ | 411,655 |  | $ | 657 |  | $ | 11,289 |  | $ | 1,597,510
Changes in the ALLL by segment of loans based on method of impairment for December 31, 2016, were as follows:
|  |  |  |  |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |
Allowance for loan and lease losses: |  | Commercial |  | Leases |  | Commercial |  | Construction |  | Residential |  | Consumer |  | Other |  | Total
Beginning balance |  | $ | 1,463 |  | $ | 633 |  | $ | 9,013 |  | $ | 265 |  | $ | 1,694 |  | $ | 1,190 |  | $ | 1,965 |  | $ | 16,223
Charge-offs |  |  | 95 |  |  | 23 |  |  | 1,633 |  |  | 23 |  |  | 1,072 |  |  | 344 |  |  | - |  |  | 3,190
Recoveries |  |  | 32 |  |  | 5 |  |  | 640 |  |  | 96 |  |  | 1,331 |  |  | 253 |  |  | 18 |  |  | 2,375
Provision (Release) |  |  | 229 |  |  | 18 |  |  | 1,527 |  |  | 51 |  |  | 739 |  |  | (266) |  |  | (1,548) |  |  | 750
Ending balance |  | $ | 1,629 |  | $ | 633 |  | $ | 9,547 |  | $ | 389 |  | $ | 2,692 |  | $ | 833 |  | $ | 435 |  | $ | 16,158
Ending balance: Individually evaluated for impairment |  | $ | - |  | $ | - |  | $ | 246 |  | $ | - |  | $ | 803 |  | $ | - |  | $ | - |  | $ | 1,049
Ending balance: Collectively evaluated for impairment |  | $ | 1,629 |  | $ | 633 |  | $ | 9,301 |  | $ | 389 |  | $ | 1,889 |  | $ | 833 |  | $ | 435 |  | $ | 15,109
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 228,113 |  | $ | 55,451 |  | $ | 736,247 |  | $ | 64,720 |  | $ | 377,851 |  | $ | 3,237 |  | $ | 13,190 |  | $ | 1,478,809
Ending balance: Individually evaluated for impairment |  | $ | 240 |  | $ | 366 |  | $ | 6,448 |  | $ | 281 |  | $ | 14,952 |  | $ | - |  | $ | - |  | $ | 22,287
Ending balance: Collectively evaluated for impairment |  | $ | 227,873 |  | $ | 55,085 |  | $ | 729,799 |  | $ | 64,439 |  | $ | 362,899 |  | $ | 3,237 |  | $ | 13,190 |  | $ | 1,456,522
Changes in the ALLL by segment of loans based on method of impairment for the year ended December 31, 2015, were as follows:
|  | Commercial |  | Real Estate |  | Real Estate |  | Real Estate |  |  |  |  |  |  |  |
Allowance for loan and lease losses: |  | & Leases |  | Commercial |  | Construction |  | Residential |  | Consumer |  | Other |  | Total
Beginning balance |  | $ | 1,644 |  | $ | 12,577 |  | $ | 1,475 |  | $ | 1,981 |  | $ | 1,454 |  | $ | 2,506 |  | $ | 21,637
Charge-offs |  |  | 993 |  |  | 1,653 |  |  | 2 |  |  | 1,639 |  |  | 483 |  |  | - |  |  | 4,770
Recoveries |  |  | 451 |  |  | 1,595 |  |  | 276 |  |  | 1,075 |  |  | 359 |  |  | - |  |  | 3,756
Provision (Release) |  |  | 994 |  |  | (3,506) |  |  | (1,484) |  |  | 277 |  |  | (140) |  |  | (541) |  |  | (4,400)
Ending balance |  | $ | 2,096 |  | $ | 9,013 |  | $ | 265 |  | $ | 1,694 |  | $ | 1,190 |  | $ | 1,965 |  | $ | 16,223
Ending balance: Individually evaluated for impairment |  | $ | 3 |  | $ | - |  | $ | - |  | $ | 31 |  | $ | - |  | $ | - |  | $ | 34
Ending balance: Collectively evaluated for impairment |  | $ | 2,093 |  | $ | 9,013 |  | $ | 265 |  | $ | 1,663 |  | $ | 1,190 |  | $ | 1,965 |  | $ | 16,189
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 141,315 |  | $ | 605,721 |  | $ | 19,806 |  | $ | 351,007 |  | $ | 4,216 |  | $ | 11,650 |  | $ | 1,133,715
Ending balance: Individually evaluated for impairment |  | $ | 73 |  | $ | 5,396 |  | $ | 83 |  | $ | 15,334 |  | $ | - |  | $ | - |  | $ | 20,886
Ending balance: Collectively evaluated for impairment |  | $ | 141,242 |  | $ | 600,325 |  | $ | 19,723 |  | $ | 335,673 |  | $ | 4,216 |  | $ | 11,650 |  | $ | 1,112,829
The Company’s allowance for loan and lease loss is calculated in accordance with GAAP and relevant supervisory guidance. All management estimates were made in light of observable trends within loan portfolio segments, market conditions and established credit review administration practices.

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