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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2019
Receivables [Abstract] |
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale, Broken Out by Classes | The following table presents the loan portfolio by segment and class, excluding residential LHFS, at June 30, 2019 and December 31, 2018.
(Dollars in thousands) | June 30, 2019 |  | December 31, 2018
Commercial real estate: |  |  |
Owner occupied | $ | 170,272 |  | $ | 129,650
Non-owner occupied | 298,989 |  | 252,794
Multi-family | 93,342 |  | 78,933
Non-owner occupied residential | 121,364 |  | 100,367
Acquisition and development: |  |  |
1-4 family residential construction | 12,801 |  | 7,385
Commercial and land development | 57,027 |  | 42,051
Commercial and industrial | 219,551 |  | 160,964
Municipal | 48,358 |  | 50,982
Residential mortgage: |  |  |
First lien | 363,946 |  | 235,296
Home equity - term | 15,989 |  | 12,208
Home equity - lines of credit | 157,645 |  | 143,616
Installment and other loans | 42,386 |  | 33,411
Total Loans (1) | $ | 1,601,670 |  | $ | 1,247,657
(1) Includes $453,280,000 and $135,009,000 of acquired loans at June 30, 2019 and December 31, 2018.
Bank's Ratings Based on its Internal Risk Rating System | The following table summarizes the Company’s loan portfolio ratings based on its internal risk rating system at June 30, 2019 and December 31, 2018.
(Dollars in thousands) | Pass |  | Special Mention |  | Non-Impaired Substandard |  | Impaired - Substandard |  | Doubtful |  | PCI Loans |  | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 158,247 |  | $ | 1,366 |  | $ | 878 |  | $ | 1,737 |  | $ | 0 |  | $ | 8,044 |  | $ | 170,272
Non-owner occupied | 286,669 |  | 10,935 |  | 0 |  | 0 |  | 0 |  | 1,385 |  | 298,989
Multi-family | 86,765 |  | 5,065 |  | 700 |  | 114 |  | 0 |  | 698 |  | 93,342
Non-owner occupied residential | 114,607 |  | 2,264 |  | 1,156 |  | 270 |  | 0 |  | 3,067 |  | 121,364
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 12,151 |  | 650 |  | 0 |  | 0 |  | 0 |  | 0 |  | 12,801
Commercial and land development | 56,268 |  | 188 |  | 571 |  | 0 |  | 0 |  | 0 |  | 57,027
Commercial and industrial | 198,699 |  | 9,523 |  | 6,946 |  | 253 |  | 0 |  | 4,130 |  | 219,551
Municipal | 48,358 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 48,358
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 351,523 |  | 0 |  | 0 |  | 2,392 |  | 0 |  | 10,031 |  | 363,946
Home equity - term | 15,877 |  | 79 |  | 0 |  | 12 |  | 0 |  | 21 |  | 15,989
Home equity - lines of credit | 156,731 |  | 187 |  | 22 |  | 705 |  | 0 |  | 0 |  | 157,645
Installment and other loans | 42,089 |  | 0 |  | 0 |  | 8 |  | 0 |  | 289 |  | 42,386
| $ | 1,527,984 |  | $ | 30,257 |  | $ | 10,273 |  | $ | 5,491 |  | $ | 0 |  | $ | 27,665 |  | $ | 1,601,670
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 121,903 |  | $ | 3,024 |  | $ | 987 |  | $ | 1,880 |  | $ | 0 |  | $ | 1,856 |  | $ | 129,650
Non-owner occupied | 242,136 |  | 10,008 |  | 0 |  | 0 |  | 0 |  | 650 |  | 252,794
Multi-family | 71,482 |  | 5,886 |  | 717 |  | 131 |  | 0 |  | 717 |  | 78,933
Non-owner occupied residential | 97,590 |  | 736 |  | 1,197 |  | 309 |  | 0 |  | 535 |  | 100,367
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 7,385 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 7,385
Commercial and land development | 41,251 |  | 25 |  | 583 |  | 0 |  | 0 |  | 192 |  | 42,051
Commercial and industrial | 150,286 |  | 2,278 |  | 2,940 |  | 286 |  | 0 |  | 5,174 |  | 160,964
Municipal | 50,982 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 50,982
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 229,971 |  | 0 |  | 0 |  | 2,877 |  | 0 |  | 2,448 |  | 235,296
Home equity - term | 12,170 |  | 0 |  | 0 |  | 16 |  | 0 |  | 22 |  | 12,208
Home equity - lines of credit | 142,638 |  | 165 |  | 15 |  | 798 |  | 0 |  | 0 |  | 143,616
Installment and other loans | 33,229 |  | 15 |  | 1 |  | 0 |  | 0 |  | 166 |  | 33,411
| $ | 1,201,023 |  | $ | 22,137 |  | $ | 6,440 |  | $ | 6,297 |  | $ | 0 |  | $ | 11,760 |  | $ | 1,247,657
Impaired Loans by Class | The following table, which excludes PCI loans, summarizes impaired loans by segment and class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required at June 30, 2019 and December 31, 2018. The recorded investment in loans excludes accrued interest receivable due to insignificance. Related allowances established generally pertain to those loans in which loan forbearance agreements were in the process of being negotiated or updated appraisals were pending, and any partial charge-off will be recorded when final information is received.
| Impaired Loans with a Specific Allowance |  |  |  |  |  | Impaired Loans with No Specific Allowance |  |
(Dollars in thousands) | Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance) |  | Related Allowance |  | Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance)
June 30, 2019 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner occupied | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 1,737 |  | $ | 2,509
Multi-family | 0 |  | 0 |  | 0 |  | 114 |  | 329
Non-owner occupied residential | 0 |  | 0 |  | 0 |  | 270 |  | 612
Commercial and industrial | 0 |  | 0 |  | 0 |  | 253 |  | 439
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 554 |  | 554 |  | 37 |  | 1,838 |  | 2,940
Home equity - term | 0 |  | 0 |  | 0 |  | 12 |  | 20
Home equity - lines of credit | 0 |  | 0 |  | 0 |  | 705 |  | 999
Installment and other loans | 0 |  | 0 |  | 0 |  | 8 |  | 17
| $ | 554 |  | $ | 554 |  | $ | 37 |  | $ | 4,937 |  | $ | 7,865
December 31, 2018 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner occupied | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 1,880 |  | $ | 2,576
Multi-family | 0 |  | 0 |  | 0 |  | 131 |  | 336
Non-owner occupied residential | 0 |  | 0 |  | 0 |  | 309 |  | 632
Commercial and industrial | 0 |  | 0 |  | 0 |  | 286 |  | 457
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 743 |  | 743 |  | 38 |  | 2,134 |  | 2,727
Home equity - term | 0 |  | 0 |  | 0 |  | 16 |  | 23
Home equity - lines of credit | 0 |  | 0 |  | 0 |  | 798 |  | 1,081
| $ | 743 |  | $ | 743 |  | $ | 38 |  | $ | 5,554 |  | $ | 7,832
Average Recorded Investment in Impaired Loans and Related Interest Income | The following table, which excludes PCI loans, summarizes the average recorded investment in impaired loans and related recognized interest income for the three and six months ended June 30, 2019 and 2018.
| 2019 |  |  |  | 2018 |  |
(Dollars in thousands) | Average Impaired Balance |  | Interest Income Recognized |  | Average Impaired Balance |  | Interest Income Recognized
Three Months Ended June 30, |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner-occupied | $ | 1,770 |  | $ | 1 |  | $ | 1,233 |  | $ | 0
Non-owner occupied | 0 |  | 0 |  | 2,960 |  | 0
Multi-family | 118 |  | 0 |  | 153 |  | 0
Non-owner occupied residential | 282 |  | 0 |  | 356 |  | 0
Acquisition and development: |  |  |  |  |  |  |
1-4 family residential construction | 0 |  | 0 |  | 201 |  | 0
Commercial and industrial | 260 |  | 0 |  | 330 |  | 0
Residential mortgage: |  |  |  |  |  |  |
First lien | 2,512 |  | 14 |  | 3,310 |  | 14
Home equity – term | 13 |  | 0 |  | 20 |  | 0
Home equity - lines of credit | 709 |  | 1 |  | 667 |  | 1
Installment and other loans | 9 |  | 0 |  | 5 |  | 0
| $ | 5,673 |  | $ | 16 |  | $ | 9,235 |  | $ | 15
Six Months Ended June 30, |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied | $ | 1,819 |  | $ | 1 |  | $ | 1,233 |  | $ | 1
Non-owner occupied | 0 |  | 0 |  | 3,421 |  | 0
Multi-family | 122 |  | 0 |  | 157 |  | 0
Non-owner occupied residential | 291 |  | 0 |  | 364 |  | 0
Acquisition and development: |  |  |  |  |  |  |
1-4 family residential construction | 0 |  | 0 |  | 250 |  | 0
Commercial and industrial | 269 |  | 0 |  | 336 |  | 0
Residential mortgage: |  |  |  |  |  |  |
First lien | 2,652 |  | 29 |  | 3,538 |  | 29
Home equity - term | 14 |  | 0 |  | 20 |  | 0
Home equity - lines of credit | 736 |  | 1 |  | 589 |  | 1
Installment and other loans | 8 |  | 0 |  | 8 |  | 0
| $ | 5,911 |  | $ | 31 |  | $ | 9,916 |  | $ | 31
Troubled Debt Restructurings | The following table presents impaired loans that are TDRs, with the recorded investment at June 30, 2019 and December 31, 2018.
| June 30, 2019 |  |  |  | December 31, 2018 |  |
(Dollars in thousands) | Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Accruing: |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied | 1 |  | $ | 31 |  | 1 |  | $ | 39
Residential mortgage: |  |  |  |  |  |  |
First lien | 11 |  | 1,052 |  | 11 |  | 1,069
Home equity - lines of credit | 1 |  | 21 |  | 1 |  | 24
| 13 |  | 1,104 |  | 13 |  | 1,132
Nonaccruing: |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied | 1 |  | 34 |  | 1 |  | 37
Residential mortgage: |  |  |  |  |  |  |
First lien | 7 |  | 438 |  | 8 |  | 658
| 8 |  | 472 |  | 9 |  | 695
| 21 |  | $ | 1,576 |  | 22 |  | $ | 1,827
Loan Portfolio Summarized by Aging Categories of Performing Loans and Nonaccrual Loans | The following table presents the classes of loan portfolio summarized by aging categories of performing loans and nonaccrual loans at June 30, 2019 and December 31, 2018.
|  |  | Days Past Due |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) | Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 160,522 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 1,706 |  | $ | 162,228
Non-owner occupied | 297,509 |  | 95 |  | 0 |  | 0 |  | 95 |  | 0 |  | 297,604
Multi-family | 92,280 |  | 250 |  | 0 |  | 0 |  | 250 |  | 114 |  | 92,644
Non-owner occupied residential | 117,729 |  | 298 |  | 0 |  | 0 |  | 298 |  | 270 |  | 118,297
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 12,801 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 12,801
Commercial and land development | 57,002 |  | 0 |  | 25 |  | 0 |  | 25 |  | 0 |  | 57,027
Commercial and industrial | 214,816 |  | 254 |  | 98 |  | 0 |  | 352 |  | 253 |  | 215,421
Municipal | 48,358 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 48,358
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 350,054 |  | 1,826 |  | 695 |  | 0 |  | 2,521 |  | 1,340 |  | 353,915
Home equity - term | 15,951 |  | 5 |  | 0 |  | 0 |  | 5 |  | 12 |  | 15,968
Home equity - lines of credit | 156,226 |  | 498 |  | 237 |  | 0 |  | 735 |  | 684 |  | 157,645
Installment and other loans | 41,880 |  | 162 |  | 47 |  | 0 |  | 209 |  | 8 |  | 42,097
Subtotal | 1,565,128 |  | 3,388 |  | 1,102 |  | 0 |  | 4,490 |  | 4,387 |  | 1,574,005
Loans acquired with credit deterioration: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | 8,005 |  | 0 |  | 0 |  | 39 |  | 39 |  | 0 |  | 8,044
Non-owner occupied | 605 |  | 0 |  | 0 |  | 780 |  | 780 |  | 0 |  | 1,385
Multi-family | 698 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 698
Non-owner occupied residential | 2,997 |  | 0 |  | 0 |  | 70 |  | 70 |  | 0 |  | 3,067
Commercial and industrial | 3,781 |  | 121 |  | 173 |  | 55 |  | 349 |  | 0 |  | 4,130
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 8,745 |  | 365 |  | 204 |  | 717 |  | 1,286 |  | 0 |  | 10,031
Home equity - term | 16 |  | 0 |  | 5 |  | 0 |  | 5 |  | 0 |  | 21
Installment and other loans | 219 |  | 68 |  | 2 |  | 0 |  | 70 |  | 0 |  | 289
Subtotal | 25,066 |  | 554 |  | 384 |  | 1,661 |  | 2,599 |  | 0 |  | 27,665
| $ | 1,590,194 |  | $ | 3,942 |  | $ | 1,486 |  | $ | 1,661 |  | $ | 7,089 |  | $ | 4,387 |  | $ | 1,601,670
|  |  | Days Past Due |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) | Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | $ | 125,887 |  | $ | 66 |  | $ | 0 |  | $ | 0 |  | $ | 66 |  | $ | 1,841 |  | $ | 127,794
Non-owner occupied | 252,144 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 252,144
Multi-family | 78,085 |  | 0 |  | 0 |  | 0 |  | 0 |  | 131 |  | 78,216
Non-owner occupied residential | 99,268 |  | 226 |  | 29 |  | 0 |  | 255 |  | 309 |  | 99,832
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 7,385 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 7,385
Commercial and land development | 41,822 |  | 37 |  | 0 |  | 0 |  | 37 |  | 0 |  | 41,859
Commercial and industrial | 154,988 |  | 411 |  | 105 |  | 0 |  | 516 |  | 286 |  | 155,790
Municipal | 50,982 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 50,982
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 228,714 |  | 1,592 |  | 734 |  | 0 |  | 2,326 |  | 1,808 |  | 232,848
Home equity - term | 11,487 |  | 678 |  | 5 |  | 0 |  | 683 |  | 16 |  | 12,186
Home equity - lines of credit | 142,394 |  | 420 |  | 28 |  | 0 |  | 448 |  | 774 |  | 143,616
Installment and other loans | 33,135 |  | 66 |  | 44 |  | 0 |  | 110 |  | 0 |  | 33,245
Subtotal | 1,226,291 |  | 3,496 |  | 945 |  | 0 |  | 4,441 |  | 5,165 |  | 1,235,897
Loans acquired with credit deterioration: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied | 1,784 |  | 0 |  | 72 |  | 0 |  | 72 |  | 0 |  | 1,856
Non-owner occupied | 650 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 650
Multi-family | 717 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 717
Non-owner occupied residential | 535 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 535
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and land development | 192 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 192
Commercial and industrial | 4,943 |  | 231 |  | 0 |  | 0 |  | 231 |  | 0 |  | 5,174
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 1,971 |  | 382 |  | 42 |  | 53 |  | 477 |  | 0 |  | 2,448
Home equity - term | 17 |  | 5 |  | 0 |  | 0 |  | 5 |  | 0 |  | 22
Installment and other loans | 149 |  | 13 |  | 0 |  | 4 |  | 17 |  | 0 |  | 166
Subtotal | 10,958 |  | 631 |  | 114 |  | 57 |  | 802 |  | 0 |  | 11,760
| $ | 1,237,249 |  | $ | 4,127 |  | $ | 1,059 |  | $ | 57 |  | $ | 5,243 |  | $ | 5,165 |  | $ | 1,247,657
Activity in Allowance for Loan Losses | The following table presents the activity in the ALL for the three and six months ended June 30, 2019 and 2018.
| Commercial |  |  |  |  |  |  |  |  |  | Consumer |  |  |  |  |  |  |  |
(Dollars in thousands) | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
Three Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 7,025 |  | $ | 969 |  | $ | 1,814 |  | $ | 98 |  | $ | 9,906 |  | $ | 3,765 |  | $ | 217 |  | $ | 3,982 |  | $ | 395 |  | $ | 14,283
Provision for loan losses | (221) |  | 39 |  | 325 |  | (4) |  | 139 |  | (32) |  | 40 |  | 8 |  | 53 |  | 200
Charge-offs | 0 |  | 0 |  | (47) |  | 0 |  | (47) |  | (25) |  | (51) |  | (76) |  | 0 |  | (123)
Recoveries | 43 |  | 0 |  | 28 |  | 0 |  | 71 |  | 26 |  | 3 |  | 29 |  | 0 |  | 100
Balance, end of period | $ | 6,847 |  | $ | 1,008 |  | $ | 2,120 |  | $ | 94 |  | $ | 10,069 |  | $ | 3,734 |  | $ | 209 |  | $ | 3,943 |  | $ | 448 |  | $ | 14,460
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 6,770 |  | $ | 510 |  | $ | 1,590 |  | $ | 83 |  | $ | 8,953 |  | $ | 3,382 |  | $ | 204 |  | $ | 3,586 |  | $ | 461 |  | $ | 13,000
Provision for loan losses | (418) |  | 208 |  | 8 |  | (3) |  | (205) |  | 237 |  | 44 |  | 281 |  | 124 |  | 200
Charge-offs | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | (86) |  | (47) |  | (133) |  | 0 |  | (133)
Recoveries | 328 |  | 2 |  | 0 |  | 0 |  | 330 |  | 11 |  | 29 |  | 40 |  | 0 |  | 370
Balance, end of period | $ | 6,680 |  | $ | 720 |  | $ | 1,598 |  | $ | 80 |  | $ | 9,078 |  | $ | 3,544 |  | $ | 230 |  | $ | 3,774 |  | $ | 585 |  | $ | 13,437
Six Months Ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 6,876 |  | $ | 817 |  | $ | 1,656 |  | $ | 98 |  | $ | 9,447 |  | $ | 3,753 |  | $ | 244 |  | $ | 3,997 |  | $ | 570 |  | $ | 14,014
Provision for loan losses | (118) |  | 189 |  | 484 |  | (4) |  | 551 |  | 157 |  | 14 |  | 171 |  | (122) |  | 600
Charge-offs | (25) |  | 0 |  | (90) |  | 0 |  | (115) |  | (271) |  | (71) |  | (342) |  | 0 |  | (457)
Recoveries | 114 |  | 2 |  | 70 |  | 0 |  | 186 |  | 95 |  | 22 |  | 117 |  | 0 |  | 303
Balance, end of period | $ | 6,847 |  | $ | 1,008 |  | $ | 2,120 |  | $ | 94 |  | $ | 10,069 |  | $ | 3,734 |  | $ | 209 |  | $ | 3,943 |  | $ | 448 |  | $ | 14,460
June 30, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of period | $ | 6,763 |  | $ | 417 |  | $ | 1,446 |  | $ | 84 |  | $ | 8,710 |  | $ | 3,400 |  | $ | 211 |  | $ | 3,611 |  | $ | 475 |  | $ | 12,796
Provision for loan losses | (411) |  | 300 |  | 152 |  | (4) |  | 37 |  | 202 |  | 51 |  | 253 |  | 110 |  | 400
Charge-offs | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | (86) |  | (118) |  | (204) |  | 0 |  | (204)
Recoveries | 328 |  | 3 |  | 0 |  | 0 |  | 331 |  | 28 |  | 86 |  | 114 |  | 0 |  | 445
Balance, end of period | $ | 6,680 |  | $ | 720 |  | $ | 1,598 |  | $ | 80 |  | $ | 9,078 |  | $ | 3,544 |  | $ | 230 |  | $ | 3,774 |  | $ | 585 |  | $ | 13,437
Summary of Ending Loan Balances Individually Evaluated for Impairment Based on Loan Segment | The following table summarizes the ending loan balance individually evaluated for impairment based upon loan segment, as well as the related ALL loss allocation for each at June 30, 2019 and December 31, 2018, excluding PCI loans.
| Commercial |  |  |  |  |  |  |  |  |  | Consumer |  |  |  |  |  |  |  |
(Dollars in thousands) | Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,121 |  | $ | 0 |  | $ | 253 |  | $ | 0 |  | $ | 2,374 |  | $ | 3,109 |  | $ | 8 |  | $ | 3,117 |  | $ | 0 |  | $ | 5,491
Collectively evaluated for impairment | 681,846 |  | 69,828 |  | 219,298 |  | 48,358 |  | 1,019,330 |  | 534,471 |  | 42,378 |  | 576,849 |  | 0 |  | 1,596,179
| $ | 683,967 |  | $ | 69,828 |  | $ | 219,551 |  | $ | 48,358 |  | $ | 1,021,704 |  | $ | 537,580 |  | $ | 42,386 |  | $ | 579,966 |  | $ | 0 |  | $ | 1,601,670
ALL allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 37 |  | $ | 0 |  | $ | 37 |  | $ | 0 |  | $ | 37
Collectively evaluated for impairment | 6,847 |  | 1,008 |  | 2,120 |  | 94 |  | 10,069 |  | 3,697 |  | 209 |  | 3,906 |  | 448 |  | 14,423
| $ | 6,847 |  | $ | 1008 |  | $ | 2,120 |  | $ | 94 |  | $ | 10,069 |  | $ | 3,734 |  | $ | 209 |  | $ | 3,943 |  | $ | 448 |  | $ | 14,460
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,320 |  | $ | 0 |  | $ | 286 |  | $ | 0 |  | $ | 2,606 |  | $ | 3,691 |  | $ | 0 |  | $ | 3,691 |  | $ | 0 |  | $ | 6,297
Collectively evaluated for impairment | 559,424 |  | 49,436 |  | 160,678 |  | 50,982 |  | 820,520 |  | 387,429 |  | 33,411 |  | 420,840 |  | 0 |  | 1,241,360
| $ | 561,744 |  | $ | 49,436 |  | $ | 160,964 |  | $ | 50,982 |  | $ | 823,126 |  | $ | 391,120 |  | $ | 33,411 |  | $ | 424,531 |  | $ | 0 |  | $ | 1,247,657
ALL allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 0 |  | $ | 38 |  | $ | 0 |  | $ | 38 |  | $ | 0 |  | $ | 38
Collectively evaluated for impairment | 6,876 |  | 817 |  | 1,656 |  | 98 |  | 9,447 |  | 3,715 |  | 244 |  | 3,959 |  | 570 |  | 13,976
| $ | 6,876 |  | $ | 817 |  | $ | 1,656 |  | $ | 98 |  | $ | 9,447 |  | $ | 3,753 |  | $ | 244 |  | $ | 3,997 |  | $ | 570 |  | $ | 14,014
Schedule of Activity for the Accretable Yield of Purchased Impaired Loans | The following table provides activity for the accretable yield of purchased credit impaired loans for the three and six months ended June 30, 2019.
| Three Months Ended |  |  |  | Six Months Ended |  |
(Dollars in thousands) | June 30, 2019 |  |  |  | June 30, 2019 |  |
Accretable yield, beginning of period | $ | 1,894 |  |  |  | $ | 2,065 |  |
New loans purchased | 3,497 |  |  |  | 3,497 |  |
Accretion of income | (1,221) |  |  |  | (1,392) |  |
Reclassifications from nonaccretable difference due to improvement in expected cash flows | 617 |  |  |  | 617 |  |
Other changes, net | 201 |  |  |  | 201 |  |
Accretable yield, end of period | $ | 4,988 |  |  |  | $ | 4,988 |  |

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