The following tables detail the changes in the allowance for credit losses by loan and lease classification (in thousands):


	Three Months Ended September 30, 2024
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and				Consumer
	Real Estate		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	15,630	$	7,543	$	3,496	$	7,234	$	670	$	117	$	34,690
Charged-off loans and leases		—		—		—		(430)		(924)		(72)		(1,426)
Recoveries of charge-offs		1		—		—		40		8		23		72
Provision charged to expense ⁽¹⁾		(57)		(14)		222		785		1,291		46		2,273
Ending balance	$	15,574	$	7,529	$	3,718	$	7,629	$	1,045	$	114	$	35,609


	Three Months Ended September 30, 2023
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and				Consumer
	Real Estate		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	14,314	$	6,748	$	5,446	$	5,504	$	586	$	149	$	32,747
Charged-off loans and leases		—		(9)		—		(179)		(143)		(86)		(417)
Recoveries of charge-offs		2		4		—		48		—		19		73
Provision charged to expense ⁽²⁾		691		413		(369)		307		201		41		1,284
Ending balance	$	15,007	$	7,156	$	5,077	$	5,680	$	644	$	123	$	33,687


	Nine Months Ended September 30, 2024
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and				Consumer
	Real Estate		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	15,264	$	7,249	$	4,874	$	6,924	$	640	$	115	$	35,066
Charged-off loans and leases		—		—		(441)		(853)		(1,246)		(263)		(2,803)
Recoveries of charge-offs		34		4		—		136		8		73		255
Provision charged to expense ⁽¹⁾		276		276		(715)		1,422		1,643		189		3,091
Ending balance	$	15,574	$	7,529	$	3,718	$	7,629	$	1,045	$	114	$	35,609


	Nine Months Ended September 30, 2023
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and				Consumer
	Real Estate		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	10,821	$	4,028	$	3,059	$	3,997	$	1,293	$	136	$	23,334
Impact of adopting ASU 2016-13		879		1,952		2,145		1,451		(683)		13		5,757
Purchased credit-deteriorated gross up		2,652		166		25		27		28		—		2,898
Charged-off loans and leases		—		(9)		—		(387)		(211)		(332)		(939)
Recoveries of charge-offs		5		13		25		153		—		187		383
Provision charged to expense ⁽²⁾		650		1,006		(177)		439		217		119		2,254
Ending balance	$	15,007	$	7,156	$	5,077	$	5,680	$	644	$	123	$	33,687

(1)

In the provision expense in the consolidated statements of income there was a provision of $302 thousand and a release of $73 thousand unfunded commitments through the provision for credit losses not reflected in the three and nine months ended September 30, 2024.

(2)

In the provision expense in the consolidated statements of income was a release of $489 thousand and $796 thousand of unfunded commitments through the provision for credit losses not reflected in the three and nine months ended September 30, 2023.

Past Due Loans and Leases

The following tables present an aging analysis of our loan and lease portfolio (in thousands):


	September 30, 2024
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate	$	1,909	$	37	$	802	$	2,748	$	1,897,037	$	1,899,785
Consumer real estate		596		709		387		1,692		688,812		690,504
Construction and land development		—		—		41		41		314,965		315,006
Commercial and industrial		454		—		1,653		2,107		729,493		731,600
Leases		1,814		812		1,601		4,227		62,825		67,052
Consumer and other		85		18		16		119		13,412		13,531
Total	$	4,858	$	1,576	$	4,500	$	10,934	$	3,706,544	$	3,717,478


	December 31, 2023
					90 Days
	30-59 Days		60-89 Days		or More		Total		Loans Not		Total
	Past Due		Past Due		Past Due		Past Due		Past Due		Loans
Commercial real estate	$	52	$	270	$	1,660	$	1,982	$	1,737,223		1,739,205
Consumer real estate		2,216		1,347		561		4,124		645,743		649,867
Construction and land development		631		—		620		1,251		325,934		327,185
Commercial and industrial		956		330		2,286		3,572		642,346		645,918
Leases		1,208		132		212		1,552		67,200		68,752
Consumer and other		80		9		98		187		13,348		13,535
Total	$	5,143	$	2,088	$	5,437	$	12,668	$	3,431,794	$	3,444,462

Summary of amortized cost basis of collateral dependent loans, which are individually evaluated to determine expected credit losses

The following table presents the amortized cost basis of collateral-dependent loans, which are individually evaluated to determine expected credit losses (in thousands):


	September 30, 2024
	Real Estate		Other		Total
Commercial real estate	$	4,353	$	—	$	4,353
Consumer real estate		2,096		—		2,096
Construction and land development		—		—		—
Commercial and industrial		—		859		859
Leases		—		534		534
Consumer and other		—		—		—
Total	$	6,449	$	1,393	$	7,842

	December 31, 2023
	Real Estate		Other		Total
Commercial real estate	$	5,155	$	—	$	5,155
Consumer real estate		2,756		—		2,756
Construction and land development		1,411		—		1,411
Commercial and industrial		—		1,018		1,018
Leases		—		—		—
Consumer and other		—		—		—
Total	$	9,322	$	1,018	$	10,340