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.