Allowance for Loan Losses

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



Three Months Ended September 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
2016
Balance, beginning of period		$5,867			$892		$1,097			$2,285		$5,298		$670			$346			$420			$1,510			$18,385
Charge-Offs	—			—		—			—		—		—			(22		)	—			—			(22		)
Recoveries	450			—		—			—		—		—			—			14			—			464
Provision (benefit)	(278		)	306		312			314		103		73			2			(28		)	(152		)	652
Balance, end of period		$6,039			$1,198		$1,409			$2,599		$5,401		$743			$326			$406			$1,358			$19,479
Balance, end of period:
Individually evaluated
for impairment		$—			$535		$—			$—		$—		$—			$—			$—			$—			$535
Balance, end of period:
Collectively evaluated
for impairment		$6,039			$663		$1,409			$2,599		$5,401		$743			$326			$406			$1,358			$18,944
2015
Balance, beginning of period		$5,687			$689		$1,863			$1,470		$4,888		$671			$265			$415			$1,470			$17,418
Charge-Offs	(367		)	—		—			—		—		—			(28		)	(5		)	—			(400		)
Recoveries	152			—		—			—		—		—			—			2			—			154
Provision (benefit)	308			202		(81		)	54		54		(69		)	31			64			113			676
Balance, end of period		$5,780			$891		$1,782			$1,524		$4,942		$602			$268			$476			$1,583			$17,848
Balance, end of period:
Individually evaluated
for impairment		$433			$—		$—			$—		$—		$—			$—			$80			$—			$513
Balance, end of period:
Collectively evaluated
for impairment		$5,347			$891		$1,782			$1,524		$4,942		$602			$268			$396			$1,583			$17,335



Nine Months Ended September 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
2016
Balance, beginning of period		$5,906			$854		$1,439			$1,657			$5,515			$628			$264			$397			$1,493			$18,153
Charge-Offs	(868		)	—		—			—			—			—			(22		)	(1		)	—			(891		)
Recoveries	643			—		—			—			—			—			—			19			—			662
Provision (benefit)	358			344		(30		)	942			(114		)	115			84			(9		)	(135		)	1,555
Balance, end of period		$6,039			$1,198		$1,409			$2,599			$5,401			$743			$326			$406			$1,358			$19,479
Balance, end of period:
Individually evaluated
for impairment		$—			$535		$—			$—			$—			$—			$—			$—			$—			$535
Balance, end of period:
Collectively evaluated
for impairment		$6,039			$663		$1,409			$2,599			$5,401			$743			$326			$406			$1,358			$18,944
2015
Balance, beginning of period		$5,643			$644		$1,653			$1,580			$4,704			$656			$285			$410			$1,148			$16,723
Charge-Offs	(474		)	—		—			—			—			(81		)	(28		)	(5		)	—			(588		)
Recoveries	310			—		—			—			—			17			—			8			—			335
Provision (benefit)	301			247		129			(56		)	238			10			11			63			435			1,378
Balance, end of period		$5,780			$891		$1,782			$1,524			$4,942			$602			$268			$476			$1,583			$17,848
Balance, end of period:
Individually evaluated
for impairment		$433			$—		$—			$—			$—			$—			$—			$80			$—			$513
Balance, end of period:
Collectively evaluated
for impairment		$5,347			$891		$1,782			$1,524			$4,942			$602			$268			$396			$1,583			$17,335

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
September 30, 2016
Balance, end of period		$342,632		$37,002		$72,091		$166,941		$288,975		$41,864		$25,957		$26,022		$1,001,484
Balance, end of period:
Individually evaluated
for impairment		$19,773		$3,972		$1,912		$17,019		$616		$644		$829		$—		$44,765
Balance, end of period:
Collectively evaluated
for impairment		$322,859		$33,030		$70,179		$149,922		$288,359		$41,220		$25,128		$26,022		$956,719
December 31, 2015
Balance, end of period		$329,534		$44,488		$74,931		$128,763		$314,069		$38,029		$26,673		$28,912		$985,399
Balance, end of period:
Individually evaluated
for impairment		$15,248		$—		$—		$17,229		$825		$790		$548		$—		$34,640
Balance, end of period:
Collectively evaluated
for impairment		$314,286		$44,488		$74,931		$111,534		$313,244		$37,239		$26,125		$28,912		$950,759

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



(In Thousands)	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		Total
September 30, 2016
Individually evaluated for impairment:
AQR Substandard		$—		$535		$—		$—		$—		$—		$—		$—		$—		$535
Collectively: evaluated for impairment:
AQR Pass	6,015		663		1,409		2,575		5,401		739		323		406		—		17,531
AQR Special Mention	20		—		—		24		—		4		3		—		—		51
AQR Substandard	4		—		—		—		—		—		—		—		—		4
Unallocated	—		—		—		—		—		—		—		—		1,358		1,358
		$6,039		$1,198		$1,409		$2,599		$5,401		$743		$326		$406		$1,358		$19,479
December 31, 2015
Individually evaluated for impairment:
AQR Substandard		$344		$—		$—		$—		$—		$—		$—		$—		$—		$344
Collectively: evaluated for impairment:
AQR Pass	5,543		854		1,439		1,657		5,515		624		261		397		—		16,290
AQR Special Mention	11		—		—		—		—		4		3		—		—		18
AQR Substandard	8		—		—		—		—		—		—		—		—		8
Unallocated	—		—		—		—		—		—		—		—		1,493		1,493
		$5,906		$854		$1,439		$1,657		$5,515		$628		$264		$397		$1,493		$18,153