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3. Loans, Allowance for Loan Losses (Details) - USD ($) $ in Thousands | 3 Months Ended | 9 Months Ended
--- | --- | ---
Sep. 30, 2016 | Sep. 30, 2015 | Sep. 30, 2016 | Sep. 30, 2015
Allowance for loan losses |  |  |  |
Beginning balance | $ 8,540 | $ 10,378 | $ 9,589 | $ 11,082
Charge-offs | (246) | (315) | (754) | (1,176)
Recoveries | 111 | 122 | 318 | 321
Provision | (360) | 235 | (1,108) | 193
Ending balance | 8,045 | 10,420 | 8,045 | 10,420
Ending balance: individually evaluated for impairments | 1,331 | 1,451 | 1,331 | 1,451
Ending balance: collectively evaluated for impairments | 6,714 | 8,969 | 6,714 | 8,969
Ending balance | 8,045 | 10,420 | 8,045 | 10,420
Loans |  |  |  |
Ending balance | 713,019 | 684,800 | 713,019 | 684,800
Ending balance: individually evaluated for impairment | 21,495 | 24,903 | 21,495 | 24,903
Ending balance: collectively evaluated for impairment | 691,524 | 659,897 | 691,524 | 659,897
Construction and land development |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,582 | 2,924 | 2,185 | 2,785
Charge-offs | 0 | (110) | 0 | (198)
Recoveries | 2 | 20 | 8 | 43
Provision | (199) | (85) | (808) | 119
Ending balance | 1,385 | 2,749 | 1,385 | 2,749
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 1,385 | 2,749 | 1,385 | 2,749
Ending balance | 1,385 | 2,749 | 1,385 | 2,749
Loans |  |  |  |
Ending balance | 59,456 | 61,748 | 59,456 | 61,748
Ending balance: individually evaluated for impairment | 0 | 241 | 0 | 241
Ending balance: collectively evaluated for impairment | 59,456 | 61,507 | 59,456 | 61,507
Single-family residential |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 2,233 | 2,456 | 2,534 | 2,566
Charge-offs | (35) | (48) | (158) | (447)
Recoveries | 6 | 21 | 18 | 30
Provision | (198) | 396 | (388) | 676
Ending balance | 2,006 | 2,825 | 2,006 | 2,825
Ending balance: individually evaluated for impairments | 0 | 96 | 0 | 96
Ending balance: collectively evaluated for impairments | 2,006 | 2,729 | 2,006 | 2,729
Ending balance | 2,006 | 2,825 | 2,006 | 2,825
Loans |  |  |  |
Ending balance | 231,958 | 218,365 | 231,958 | 218,365
Ending balance: individually evaluated for impairment | 1,019 | 2,944 | 1,019 | 2,944
Ending balance: collectively evaluated for impairment | 230,939 | 215,421 | 230,939 | 215,421
Single-family residential - Banco de la Gente stated income |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,354 | 1,528 | 1,460 | 1,610
Charge-offs | 0 | 0 | 0 | (59)
Recoveries | 0 | 0 | 0 | 22
Provision | 46 | (68) | (60) | (113)
Ending balance | 1,400 | 1,460 | 1,400 | 1,460
Ending balance: individually evaluated for impairments | 1,164 | 1,128 | 1,164 | 1,128
Ending balance: collectively evaluated for impairments | 236 | 332 | 236 | 332
Ending balance | 1,400 | 1,460 | 1,400 | 1,460
Loans |  |  |  |
Ending balance | 40,934 | 44,433 | 40,934 | 44,433
Ending balance: individually evaluated for impairment | 16,890 | 18,193 | 16,890 | 18,193
Ending balance: collectively evaluated for impairment | 24,044 | 26,240 | 24,044 | 26,240
Commercial |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 1,650 | 1,749 | 1,917 | 1,902
Charge-offs | 0 | 0 | (106) | (62)
Recoveries | 5 | 5 | 15 | 15
Provision | (79) | 176 | (250) | 75
Ending balance | 1,576 | 1,930 | 1,576 | 1,930
Ending balance: individually evaluated for impairments | 167 | 227 | 167 | 227
Ending balance: collectively evaluated for impairments | 1,409 | 1,703 | 1,409 | 1,703
Ending balance | 1,576 | 1,930 | 1,576 | 1,930
Loans |  |  |  |
Ending balance | 240,150 | 234,003 | 240,150 | 234,003
Ending balance: individually evaluated for impairment | 3,586 | 3,525 | 3,586 | 3,525
Ending balance: collectively evaluated for impairment | 236,564 | 230,478 | 236,564 | 230,478
Multifamily and Farmland |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 46 | 2 | 0 | 7
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 1 | 3 | 47 | (2)
Ending balance | 47 | 5 | 47 | 5
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 47 | 5 | 47 | 5
Ending balance | 47 | 5 | 47 | 5
Loans |  |  |  |
Ending balance | 18,727 | 14,003 | 18,727 | 14,003
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 18,727 | 14,003 | 18,727 | 14,003
Commercial loans (not secured by real estate) |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 803 | 902 | 842 | 1,098
Charge-offs | (89) | (1) | (129) | (16)
Recoveries | 60 | 43 | 165 | 96
Provision | (14) | (63) | (118) | (297)
Ending balance | 760 | 881 | 760 | 881
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 760 | 881 | 760 | 881
Ending balance | 760 | 881 | 760 | 881
Loans |  |  |  |
Ending balance | 94,790 | 88,931 | 94,790 | 88,931
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 94,790 | 88,931 | 94,790 | 88,931
Farm loans (not secured by real estate) |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 0 | 0 | 0 | 0
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 0 | 0 | 0 | 0
Ending balance | 0 | 0 | 0 | 0
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 0 | 0 | 0 | 0
Ending balance | 0 | 0 | 0 | 0
Loans |  |  |  |
Ending balance | 0 | 3 | 0 | 3
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 0 | 3 | 0 | 3
Consumer And All Other Loans |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 234 | 231 | 172 | 233
Charge-offs | (122) | (156) | (361) | (394)
Recoveries | 38 | 33 | 112 | 115
Provision | 64 | 104 | 291 | 258
Ending balance | 214 | 212 | 214 | 212
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 214 | 212 | 214 | 212
Ending balance | 214 | 212 | 214 | 212
Loans |  |  |  |
Ending balance | 27,004 | 23,314 | 27,004 | 23,314
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 27,004 | 23,314 | 27,004 | 23,314
Unallocated |  |  |  |
Allowance for loan losses |  |  |  |
Beginning balance | 638 | 586 | 479 | 881
Charge-offs | 0 | 0 | 0 | 0
Recoveries | 0 | 0 | 0 | 0
Provision | 19 | (228) | 178 | (523)
Ending balance | 657 | 358 | 657 | 358
Ending balance: individually evaluated for impairments | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 657 | 358 | 657 | 358
Ending balance | 657 | 358 | 657 | 358
Loans |  |  |  |
Ending balance | 0 | 0 | 0 | 0
Ending balance: individually evaluated for impairment | 0 | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | $ 0 | $ 0 | $ 0 | $ 0

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- Definition Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (g) -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -Subparagraph (c)(1) -URI http://asc.fasb.org/extlink&oid=66008989&loc=SL6953423-111524 Reference 3: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 942 -SubTopic 210 -Section S99 -Paragraph 1 -Subparagraph (SX 210.9-03.7(d)) -URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878 Reference 4: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section S99 -Paragraph 4 -Subparagraph (SAB Topic 6.L.1) -URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74567-122707 Reference 5: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 30 -Section 50 -Paragraph 2 -Subparagraph (b)(1)(ii) -URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544 + Details
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