Allowance for Loan Losses

The following table details activity in the Allowance for 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			Unallocated			Total
2019
Balance, beginning of period		$5,660			$675			$1,275			$2,027			$5,799			$716			$306			$426			$2,635			$19,519
Charge-Offs	(195		)	—			—			—			—			—			(4		)	(18		)	—			(217		)
Recoveries	908			—			—			—			—			28			—			25			—			961
Provision (benefit)	231			(32		)	(258		)	161			(619		)	(73		)	(32		)	3			(556		)	(1,175		)
Balance, end of period		$6,604			$643			$1,017			$2,188			$5,180			$671			$270			$436			$2,079			$19,088
Balance, end of period:
Individually evaluated
for impairment		$17			$—			$—			$—			$—			$—			$—			$—			$—			$17
Balance, end of period:
Collectively evaluated
for impairment		$6,587			$643			$1,017			$2,188			$5,180			$671			$270			$436			$2,079			$19,071
2018
Balance, beginning of period		$6,172			$629			$1,566			$2,194			$6,043			$725			$315			$307			$3,510			$21,461
Charge-Offs	(1,716		)	—			—			—			—			(28		)	(143		)	(39		)	—			(1,926		)
Recoveries	442			—						—			—			3			12			27			—			484
Provision (benefit)	762			46			(291		)	(167		)	(244		)	16			122			131			(875		)	(500		)
Balance, end of period		$5,660			$675			$1,275			$2,027			$5,799			$716			$306			$426			$2,635			$19,519
Balance, end of period:
Individually evaluated
for impairment		$14			$—			$—			$—			$—			$—			$—			$—			$—			$14
Balance, end of period:
Collectively evaluated
for impairment		$5,646			$675			$1,275			$2,027			$5,799			$716			$306			$426			$2,635			$19,505
2017
Balance, beginning of period		$5,535			$550			$1,465			$2,358			$6,853			$819			$313			$408			$1,396			$19,697
Charge-Offs	(1,611		)	—			—			—			—			(5		)	(85		)	(43		)	—			(1,744		)
Recoveries	293			—			—			—			—			2			2			11			—			308
Provision (benefit)	1,955			79			101			(164		)	(810		)	(91		)	85			(69		)	2,114			3,200
Balance, end of period		$6,172			$629			$1,566			$2,194			$6,043			$725			$315			$307			$3,510			$21,461
Balance, end of period:
Individually evaluated
for impairment		$966			$—			$—			$—			$—			$—			$—			$—			$—			$966
Balance, end of period:
Collectively evaluated
for impairment		$5,206			$629			$1,566			$2,194			$6,043			$725			$315			$307			$3,510			$20,495

The following is a detail of the recorded investment, including unearned origination fees, net of origination costs, 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
December 31, 2019
Balance, end of period		$411,327		$38,503		$60,906		$138,181		$311,302		$42,200		$16,191		$24,761		$1,043,371
Balance, end of period:
Individually evaluated
for impairment		$16,077		$1,349		$—		$5,104		$178		$1,594		$281		$90		$24,673
Balance, end of period:
Collectively evaluated
for impairment		$395,250		$37,154		$60,906		$133,077		$311,124		$40,606		$15,910		$24,671		$1,018,698
December 31, 2018
Balance, end of period		$341,091		$36,828		$71,658		$125,795		$324,198		$41,746		$19,234		$23,796		$984,346
Balance, end of period:
Individually evaluated
for impairment		$24,189		$—		$—		$5,253		$760		$1,063		$449		$—		$31,714
Balance, end of period:
Collectively evaluated
for impairment		$316,902		$36,828		$71,658		$120,542		$323,438		$40,683		$18,785		$23,796		$952,632

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
December 31, 2019
Individually evaluated for impairment
AQR Substandard		$17		$17		$—		$—		$—		$—		$—		$—		$—		$—
Collectively evaluated for impairment:
AQR Pass	16,399		6,514		588		1,017		2,125		4,829		629		266		431		—
AQR Special Mention	579		64		55		—		63		351		42		4		—		—
AQR Substandard	14		9		—		—		—		—		—		—		5		—
Unallocated	2,079		—		—		—		—		—		—		—		—		2,079
		$19,088		$6,604		$643		$1,017		$2,188		$5,180		$671		$270		$436		$2,079
December 31, 2018
Individually evaluated for impairment:
AQR Substandard		$14		$14		$—		$—		$—		$—		$—		$—		$—		$—
Collectively evaluated for impairment:
AQR Pass	16,005		5,522		615		1,275		1,958		5,236		683		303		413		—
AQR Special Mention	828		121		60		—		69		563		12		3		—		—
AQR Substandard	37		3		—		—		—		—		21		—		13		—
Unallocated	2,635		—		—		—		—		—		—		—		—		2,635
		$19,519		$5,660		$675		$1,275		$2,027		$5,799		$716		$306		$426		$2,635