Allowance for Loan Losses

The following tables detail activity in the Allowance for the periods indicated:



Three Months Ended June 30,	Commercial			Real estate construction one-to-four family			Real estate construction other			Real estate term owner occupied			Real estate term non-owner occupied			Real estate term other			Consumer secured by 1st deed of trust			Consumer other			Unallocated		Total
2014
Balance, beginning of period		$5,657			$513			$623			$1,407			$4,293			$655			$313			$384			$2,187		$16,032
Charge-Offs	—			—			—			—			—			—			(39		)	(24		)	—		(63		)
Recoveries	576			613			—			—			—			—			—			10			—		1,199
Provision (benefit)	(1,099		)	(556		)	207			(23		)	(169		)	(13		)	(2		)	—			519		(1,136		)
Balance, end of period		$5,134			$570			$830			$1,384			$4,124			$642			$272			$370			$2,706		$16,032
Balance, end of period:
Individually evaluated
for impairment		$—			$—			$—			$—			$—			$—			$14			$—			$—		$14
Balance, end of period:
Collectively evaluated
for impairment		$5,134			$570			$830			$1,384			$4,124			$642			$258			$370			$2,706		$16,018
2013
Balance, beginning of period		$6,917			$726			$571			$1,434			$4,442			$655			$351			$402			$1,143		$16,641
Charge-Offs	(355		)	—			—			—			—			—			—			—			—		(355		)
Recoveries	143			18			78			—			—			—			—			3			—		242
Provision (benefit)	(325		)	109			(342		)	(104		)	(615		)	(58		)	(19		)	(20		)	1,374		—
Balance, end of period		$6,380			$853			$307			$1,330			$3,827			$597			$332			$385			$2,517		$16,528
Balance, end of period:
Individually evaluated
for impairment		$54			$215			$—			$—			$—			$—			$18			$—			$—		$287
Balance, end of period:
Collectively evaluated
for impairment		$6,326			$638			$307			$1,330			$3,827			$597			$314			$385			$2,517		$16,241



Six Months Ended June 30,	Commercial			Real estate construction one-to-four family			Real estate construction other			Real estate term owner occupied			Real estate term non-owner occupied			Real estate term other		Consumer secured by 1st deed of trust			Consumer other			Unallocated		Total
2014
Balance, beginning of period		$5,779			$557			$539			$1,583			$4,297			$537		$322			$390			$2,278		$16,282
Charge-Offs	(320		)	—			—			—			—			—		(39		)	(33		)	—		(392		)
Recoveries	630			625			—			—			—			—		—			23			—		1,278
Provision (benefit)	(955		)	(612		)	291			(199		)	(173		)	105		(11		)	(10		)	428		(1,136		)
Balance, end of period		$5,134			$570			$830			$1,384			$4,124			$642		$272			$370			$2,706		$16,032
Balance, end of period:
Individually evaluated
for impairment		$—			$—			$—			$—			$—			$—		$14			$—			$—		$14
Balance, end of period:
Collectively evaluated
for impairment		$5,134			$570			$830			$1,384			$4,124			$642		$258			$370			$2,706		$16,018
2013
Balance, beginning of period		$6,308			$1,029			$326			$1,441			$4,065			$539		$344			$388			$1,968		$16,408
Charge-Offs	(355		)	—			—			—			—			—		—			(14		)	—		(369		)
Recoveries	219			36			78			—			—			—		—			6			—		339
Provision (benefit)	208			(212		)	(97		)	(111		)	(238		)	58		(12		)	5			549		150
Balance, end of period		$6,380			$853			$307			$1,330			$3,827			$597		$332			$385			$2,517		$16,528
Balance, end of period:
Individually evaluated
for impairment		$54			$215			$—			$—			$—			$—		$18			$—			$—		$287
Balance, end of period:
Collectively evaluated
for impairment		$6,326			$638			$307			$1,330			$3,827			$597		$314			$385			$2,517		$16,241

The following is a detail of the recorded investment in the loan portfolio, segregated by amounts evaluated individually or collectively in the Allowance at the periods indicated:



(In Thousands)	Commercial		Real estate construction one-to-four family		Real estate construction other		Real estate term owner occupied		Real estate term non-owner occupied		Real estate term other		Consumer secured by 1st deed of trust		Consumer other		Total
June 30, 2014
Balance, end of period		$339,011		$40,178		$49,901		$112,519		$284,824		$37,893		$33,219		$33,704		$931,249
Balance, end of period:
Individually evaluated
for impairment		$1,192		$353		$803		$1,607		$1,592		$152		$599		$53		$6,351
Balance, end of period:
Collectively evaluated
for impairment		$337,819		$39,825		$49,098		$110,912		$283,232		$37,741		$32,620		$33,651		$924,898
December 31, 2013
Balance, end of period		$300,338		$30,161		$32,599		$91,098		$255,324		$29,976		$16,483		$18,058		$774,037
Balance, end of period:
Individually evaluated
for impairment		$838		$353		$2,520		$1,668		$1,741		$1,292		$274		$65		$8,751
Balance, end of period:
Collectively evaluated
for impairment		$299,500		$29,808		$30,079		$89,430		$253,583		$28,684		$16,209		$17,993		$765,286

The following represents the balance of the Allowance for the periods indicated segregated by segment and class:



(In Thousands)	Total		Commercial		Real estate construction 1-4 family		Real estate construction other		Real estate term owner occupied		Real estate term non-owner occupied		Real estate term other		Consumer secured by 1st deeds of trust		Consumer other		Unallocated
June 30, 2014
Individually evaluated for impairment
AQR Special Mention		$—		$—		$—		$—		$—		$—		$—		$—		$—		$—
AQR Substandard	14		—		—		—		—		—		—		14		—		—
Collectively evaluated for impairment:
AQR Pass	12,924		4,989		570		830		1,178		4,117		637		248		355		—
AQR Special Mention	362		135		—		—		206		6		5		9		1		—
AQR Substandard	26		10		—		—		—		1		—		1		14		—
Unallocated	2,706		—		—		—		—		—		—		—		—		2,706
		$16,032		$5,134		$570		$830		$1,384		$4,124		$642		$272		$370		$2,706
December 31, 2013
Individually evaluated for impairment:
AQR Substandard		$11		$—		$—		$—		$—		$—		$—		$11		$—		$—
Collectively evaluated for impairment:
AQR Pass	13,325		5,482		527		537		1,381		4,225		537		274		362		—
AQR Special Mention	586		278		30		2		202		30		—		36		8		—
AQR Substandard	82		19		—		—		—		42		—		1		20		—
Unallocated	2,278		—		—		—		—		—		—		—		—		2,278
		$16,282		$5,779		$557		$539		$1,583		$4,297		$537		$322		$390		$2,278