5. ALLOWANCE FOR LOAN AND LEASE LOSSES

The following table presents by class, the activity in the Allowance for the periods indicated:

	Commercial,			Real estate
	Financial &						Mortgage -			Mortgage -
	Agricultural			Construction			Residential			Commercial			Consumer		Leases			Unallocated			Total
	(Dollars in thousands)
Three Months Ended June 30, 2015
Beginning balance	$	8,791		$	14,305		$	17,057		$	20,161		$	7,119	$	—		$	4,000		$	71,433
Provision (credit) for loan and lease losses	(498		)	(4,099		)	442			(3,715		)	1,050		1			(500		)	(7,319		)
	8,293			10,206			17,499			16,446			8,169		1			3,500			64,114
Charge-offs	4,003			—			50			—			1,214		—			—			5,267
Recoveries	3,279			464			397			3,562			375		—			—			8,077
Net charge-offs (recoveries)	724			(464		)	(347		)	(3,562		)	839		—			—			(2,810		)
Ending balance	$	7,569		$	10,670		$	17,846		$	20,008		$	7,330	$	1		$	3,500		$	66,924

Three Months Ended June 30, 2014
Beginning balance	$	12,786		$	14,940		$	17,812		$	25,925		$	5,687	$	12		$	6,000		$	83,162
Provision (credit) for loan and lease losses	405			243			959			988			1,402		(2		)	(2,000		)	1,995
	13,191			15,183			18,771			26,913			7,089		10			4,000			85,157
Charge-offs	1,482			—			102			1,041			671		—			—			3,296
Recoveries	546			342			529			13			305		3			—			1,738
Net charge-offs (recoveries)	936			(342		)	(427		)	1,028			366		(3		)	—			1,558
Ending balance	$	12,255		$	15,525		$	19,198		$	25,885		$	6,723	$	13		$	4,000		$	83,599

Six Months Ended June 30, 2015
Beginning balance	$	8,954		$	14,969		$	17,927		$	20,869		$	7,314	$	7		$	4,000		$	74,040
Provision (credit) for loan and lease losses	(324		)	(4,886		)	(1,902		)	(4,436		)	1,988		(6		)	(500		)	(10,066		)
	8,630			10,083			16,025			16,433			9,302		1			3,500			63,974
Charge-offs	4,934			—			64			—			3,055		—			—			8,053
Recoveries	3,873			587			1,885			3,575			1,083		—			—			11,003
Net charge-offs (recoveries)	1,061			(587		)	(1,821		)	(3,575		)	1,972		—			—			(2,950		)
Ending balance	$	7,569		$	10,670		$	17,846		$	20,008		$	7,330	$	1		$	3,500		$	66,924

Six Months Ended June 30, 2014
Beginning balance	$	13,196		$	2,774		$	25,272		$	29,947		$	6,576	$	55		$	6,000		$	83,820
Provision (credit) for loan and lease losses	(538		)	12,007			(6,558		)	(3,047		)	854		(39		)	(2,000		)	679
	12,658			14,781			18,714			26,900			7,430		16			4,000			84,499
Charge-offs	1,555			—			139			1,041			1,251		8			—			3,994
Recoveries	1,152			744			623			26			544		5			—			3,094
Net charge-offs (recoveries)	403			(744		)	(484		)	1,015			707		3			—			900
Ending balance	$	12,255		$	15,525		$	19,198		$	25,885		$	6,723	$	13		$	4,000		$	83,599

Loans held for sale and other real estate assets are not included in our assessment of the Allowance.

Our Provisions were credits of $7.3 million and $10.1 million in the three and six months ended June 30, 2015, respectively, compared to Provisions of $2.0 million and $0.7 million in the three and six months ended June 30, 2014, respectively.

In determining the amount of our Allowance, we rely on an analysis of our loan portfolio, our experience and our evaluation of general economic conditions, as well as regulatory requirements and input. If our assumptions prove to be incorrect, our current Allowance may not be sufficient to cover future loan losses and we may experience significant increases to our Provision.