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


	Three Months Ended June 30, 2024
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and				Consumer
	Real Estate		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	14,843	$	7,246	$	4,704	$	6,641	$	657	$	112	$	34,203
Charged-off loans and leases		—		107		—		(222)		(245)		(97)		(457)
Recoveries of charge-offs		31		(75)		—		70		—		22		48
Provision charged to expense ⁽¹⁾		756		265		(1,208)		745		258		80		896
Ending balance	$	15,630	$	7,543	$	3,496	$	7,234	$	670	$	117	$	34,690


	Three Months Ended June 30, 2023
			Consumer		Construction		Commercial
	Commercial		Real		and Land		and				Consumer
	Real Estate		Estate		Development		Industrial		Leases		and Other		Total
Beginning balance	$	14,528	$	6,411	$	5,219	$	5,359	$	637	$	125	$	32,279
Charged-off loans and leases		—		—		—		(35)		(59)		(113)		(207)
Recoveries of charge-offs		1		4		25		85		—		140		255
Provision charged to expense ⁽²⁾		(215)		333		202		95		8		(3)		420
Ending balance	$	14,314	$	6,748	$	5,446	$	5,504	$	586	$	149	$	32,747


	Six Months Ended June 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)		(423)		(322)		(191)		(1,377)
Recoveries of charge-offs		33		4		—		96		—		50		183
Provision charged to expense ⁽¹⁾		333		290		(937)		637		352		143		818
Ending balance	$	15,630	$	7,543	$	3,496	$	7,234	$	670	$	117	$	34,690


	Six Months Ended June 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		—		—		—		(208)		(68)		(246)		(522)
Recoveries of charge-offs		3		9		25		105		—		168		310
Provision charged to expense ⁽²⁾		(41)		593		192		132		16		78		970
Ending balance	$	14,314	$	6,748	$	5,446	$	5,504	$	586	$	149	$	32,747

(1)

In the provision expense in the consolidated statements of income there was a release of $13 thousand and $375 thousand unfunded commitments through the provision for credit losses not reflected in the three and six months ended June 30, 2024.

(2)

In the provision expense in the consolidated statements of income was a release of $307 thousand unfunded commitments through the provision for credit losses not reflected in the three and six months ended June 30, 2023.

Past Due Loans and Leases

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


	June 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	$	105	$	—	$	880	$	985	$	1,814,378	$	1,815,363
Consumer real estate		1,326		218		233		1,777		676,554		678,331
Construction and land development		106		—		—		106		294,469		294,575
Commercial and industrial		330		404		1,948		2,682		698,778		701,460
Leases		734		847		141		1,722		68,577		70,299
Consumer and other		91		15		1		107		14,023		14,130
Total	$	2,692	$	1,484	$	3,203	$	7,379	$	3,566,779	$	3,574,158


	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):


	June 30, 2024
	Real Estate		Other		Total
Commercial real estate	$	4,376	$	—	$	4,376
Consumer real estate		2,141		—		2,141
Construction and land development		—		—		—
Commercial and industrial		—		859		859
Leases		—		—		—
Consumer and other		—		—		—
Total	$	6,517	$	859	$	7,376

	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