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3. Loans (Details 6) - USD ($) $ in Thousands | 12 Months Ended
--- | ---
Dec. 31, 2020 | Dec. 31, 2019 | Dec. 31, 2018
Allowance for loan losses |  |  |
Beginning balance | $ 6,680 | $ 6,445 | $ 6,366
Charge-offs | (1,414) | (1,076) | (1,133)
Recoveries | 383 | 448 | 422
Provision | 4,259 | 863 | 790
Ending balance | 9,908 | 6,680 | 6,445
Ending balance: individually evaluated for impairments | 857 | 937 | 1,038
Ending balance: collectively evaluated for impairments | 9,051 | 5,743 | 5,407
Ending balance | 9,908 | 6,680 | 6,445
Loans |  |  |
Ending balance | 948,639 | 849,874 | 804,023
Ending balance: individually evaluated for impairment | 15,248 | 16,063 | 17,947
Ending balance: collectively evaluated for impairment | 933,391 | 833,811 | 786,076
Construction and land development |  |  |
Allowance for loan losses |  |  |
Beginning balance | 694 | 813 | 804
Charge-offs | (5) | (21) | (53)
Recoveries | 36 | 45 | 10
Provision | 471 | (143) | 52
Ending balance | 1,196 | 694 | 813
Ending balance: individually evaluated for impairments | 1 | 2 | 0
Ending balance: collectively evaluated for impairments | 1,195 | 692 | 813
Ending balance | 1,196 | 694 | 813
Loans |  |  |
Ending balance | 94,124 | 92,596 | 94,178
Ending balance: individually evaluated for impairment | 7 | 10 | 96
Ending balance: collectively evaluated for impairment | 94,117 | 92,586 | 94,082
Single-family residential |  |  |
Allowance for loan losses |  |  |
Beginning balance | 1,274 | 1,325 | 1,812
Charge-offs | (65) | (42) | (116)
Recoveries | 70 | 66 | 106
Provision | 564 | (75) | (477)
Ending balance | 1,843 | 1,274 | 1,325
Ending balance: individually evaluated for impairments | 4 | 6 | 0
Ending balance: collectively evaluated for impairments | 1,839 | 1,268 | 1,325
Ending balance | 1,843 | 1,274 | 1,325
Loans |  |  |
Ending balance | 272,325 | 269,475 | 252,983
Ending balance: individually evaluated for impairment | 1,558 | 1,697 | 1,779
Ending balance: collectively evaluated for impairment | 270,767 | 267,778 | 251,204
Single-family residential - Banco de la Gente Non-traditional |  |  |
Allowance for loan losses |  |  |
Beginning balance | 1,073 | 1,177 | 1,280
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Provision | (21) | (104) | (103)
Ending balance | 1,052 | 1,073 | 1,177
Ending balance: individually evaluated for impairments | 844 | 925 | 1,023
Ending balance: collectively evaluated for impairments | 208 | 148 | 154
Ending balance | 1,052 | 1,073 | 1,177
Loans |  |  |
Ending balance | 26,883 | 30,793 | 34,261
Ending balance: individually evaluated for impairment | 11,353 | 12,899 | 14,310
Ending balance: collectively evaluated for impairment | 15,530 | 17,894 | 19,951
Commercial |  |  |
Allowance for loan losses |  |  |
Beginning balance | 1,305 | 1,278 | 1,193
Charge-offs | (7) | (1) | (453)
Recoveries | 70 | 49 | 105
Provision | 844 | (21) | 433
Ending balance | 2,212 | 1,305 | 1,278
Ending balance: individually evaluated for impairments | 8 | 4 | 15
Ending balance: collectively evaluated for impairments | 2,204 | 1,301 | 1,263
Ending balance | 2,212 | 1,305 | 1,278
Loans |  |  |
Ending balance | 332,971 | 291,255 | 270,055
Ending balance: individually evaluated for impairment | 2,118 | 1,365 | 1,673
Ending balance: collectively evaluated for impairment | 330,853 | 289,890 | 268,382
Multifamily and Farmland |  |  |
Allowance for loan losses |  |  |
Beginning balance | 120 | 83 | 72
Charge-offs | 0 | 0 | (5)
Recoveries | 0 | 0 | 1
Provision | 2 | 37 | 15
Ending balance | 122 | 120 | 83
Ending balance: individually evaluated for impairments | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 122 | 120 | 83
Ending balance | 122 | 120 | 83
Loans |  |  |
Ending balance | 48,880 | 48,090 | 33,163
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 48,880 | 48,090 | 33,163
Commercial loans (not secured by real estate) |  |  |
Allowance for loan losses |  |  |
Beginning balance | 688 | 626 | 574
Charge-offs | (903) | (389) | (54)
Recoveries | 34 | 83 | 32
Provision | 1,526 | 368 | 74
Ending balance | 1,345 | 688 | 626
Ending balance: individually evaluated for impairments | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 1,345 | 688 | 626
Ending balance | 1,345 | 688 | 626
Loans |  |  |
Ending balance | 161,740 | 100,263 | 97,465
Ending balance: individually evaluated for impairment | 212 | 92 | 89
Ending balance: collectively evaluated for impairment | 161,528 | 100,171 | 97,376
Farm loans (not secured by real estate) |  |  |
Allowance for loan losses |  |  |
Beginning balance | 0 | 0 | 0
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Provision | 0 | 0 | 0
Ending balance | 0 | 0 | 0
Ending balance: individually evaluated for impairments | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 0 | 0 | 0
Ending balance | 0 | 0 | 0
Loans |  |  |
Ending balance | 855 | 1,033 | 926
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 855 | 1,033 | 926
Consumer And All Other Loans |  |  |
Allowance for loan losses |  |  |
Beginning balance | 138 | 161 | 155
Charge-offs | (434) | (623) | (452)
Recoveries | 173 | 205 | 168
Provision | 251 | 395 | 290
Ending balance | 128 | 138 | 161
Ending balance: individually evaluated for impairments | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 128 | 138 | 161
Ending balance | 128 | 138 | 161
Loans |  |  |
Ending balance |  | 16,369 | 20,992
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | 10,861 | 16,369 | 20,992
Unallocated |  |  |
Allowance for loan losses |  |  |
Beginning balance | 1,388 | 982 | 476
Charge-offs | 0 | 0 | 0
Recoveries | 0 | 0 | 0
Provision | 622 | 406 | 506
Ending balance | 2,010 | 1,388 | 982
Ending balance: individually evaluated for impairments | 0 | 0 | 0
Ending balance: collectively evaluated for impairments | 2,010 | 1,388 | 982
Ending balance | 2,010 | 1,388 | 982
Loans |  |  |
Ending balance |  | 0 | 0
Ending balance: individually evaluated for impairment | 0 | 0 | 0
Ending balance: collectively evaluated for impairment | $ 0 | $ 0 | $ 0

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