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, 2018, were as follows:


					Real Estate		Real Estate		Real Estate
Allowance for loan and lease losses:	Commercial		Leases		Commercial		Construction		Residential		HELOC		Other1		Total
Beginning balance	$	2,453	$	692	$	9,522	$	923	$	1,846	$	1,446	$	579	$	17,461
Charge-offs		41		13		1,548		(16)		(45)		147		409		2,097
Recoveries		157		-		447		35		1,146		364		265		2,414
Provision (Release)		263		55		2,049		(5)		(1,106)		(214)		186		1,228
Ending balance	$	2,832	$	734	$	10,470	$	969	$	1,931	$	1,449	$	621	$	19,006

Ending balance: Individually evaluated for impairment	$	-	$	-	$	239	$	1	$	50	$	49	$	13	$	352
Ending balance: Collectively evaluated for impairment		2,832		734		10,231		968		1,881		1,400		608		18,654
Ending balance: Acquired and accounted for ASC 310-30		-		-		-		-		-		-		-		-
Total ending allowance balance	$	2,832	$	734	$	10,470	$	969	$	1,931	$	1,449	$	621	$	19,006

Loans:
Ending balance: Individually evaluated for Impairment	$	-	$	-	$	9,785	$	106	$	8,196	$	2,241	$	31	$	20,359
Ending balance: Collectively evaluated for impairment		314,323		78,806		811,156		108,284		398,872		138,201		16,061		1,865,703
Ending balance: Acquired and accounted for ASC 310-30		-		-		4,182		745		6,038		-		-		10,965
Total ending loans balance	$	314,323	$	78,806	$	825,123	$	109,135	$	413,106	$	140,442	$	16,092	$	1,897,027

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		HELOC		Other1		Total
Beginning balance	$	1,629	$	633	$	9,547	$	389	$	2,178	$	1,331	$	451	$	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		35		258		111		1,800
Ending balance	$	2,453	$	692	$	9,522	$	923	$	1,846	$	1,446	$	579	$	17,461

Ending balance: Individually evaluated for impairment	$	-	$	-	$	-	$	-	$	53	$	91	$	-	$	144
Ending balance: Collectively evaluated for impairment		2,453		692		9,522		923		1,793		1,355		579		17,317
Total ending allowance balance	$	2,453	$	692	$	9,522	$	923	$	1,846	$	1,446	$	579	$	17,461

Loans:
Ending balance: Individually evaluated for impairment	$	-	$	178	$	3,041	$	201	$	14,575	$	2,110	$	7	$	20,112
Ending balance: Collectively evaluated for impairment		272,851		68,147		747,950		84,961		298,822		110,723		14,056		1,597,510
Total ending loan balance	$	272,851	$	68,325	$	750,991	$	85,162	$	313,397	$	112,833	$	14,063	$	1,617,622

Changes in the ALLL by segment of loans based on method of impairment for the year ended December 31, 2016, were as follows:


					Real Estate		Real Estate		Real Estate
Allowance for loan and lease losses:	Commercial		Leases		Commercial		Construction		Residential		HELOC		Other1		Total
Beginning balance	$	1,463	$	633	$	9,013	$	265	$	724	$	2,050	$	2,075	$	16,223
Charge-offs		95		23		1,633		23		450		622		344		3,190
Recoveries		32		5		640		96		486		845		271		2,375
Provision (Release)		229		18		1,527		51		1,418		(942)		(1,551)		750
Ending balance	$	1,629	$	633	$	9,547	$	389	$	2,178	$	1,331	$	451	$	16,158

Ending balance: Individually evaluated for impairment	$	-	$	-	$	246	$	-	$	803	$	-	$	-	$	1,049
Ending balance: Collectively evaluated for impairment		1,629		633		9,301		389		1,375		1,331		451		15,109
Total ending allowance balance	$	1,629	$	633	$	9,547	$	389	$	2,178	$	1,331	$	451	$	16,158

Loans:
Ending balance: Individually evaluated for impairment	$	240	$	366	$	6,448	$	281	$	12,468	$	2,484	$	-	$	22,287
Ending balance: Collectively evaluated for impairment		227,873		55,085		729,799		64,439		263,757		99,142		16,427		1,456,522
Total ending loan balance	$	228,113	$	55,451	$	736,247	$	64,720	$	276,225	$	101,626	$	16,427	$	1,478,809

1 The “Other” class includes consumer loans, overdrafts and net deferred costs.