Changes in the allowance for loan losses by segment of loans based on method of impairment as of and for the year ending December 31, 2012 were as follows:

	Commercial			Real Estate Commercial(1)			Real Estate Construction			Real Estate Residential		Consumer		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	5,070		$	30,770		$	7,937		$	6,335	$	884	$	1,001	$	51,997
Charge-offs	344			13,508			4,969			8,406		638		—		27,865
Recoveries	115			3,576			3,420			583		487		—		8,181
Provision	(324		)	(738		)	(2,551		)	6,023		445		3,429		6,284
Ending balance	$	4,517		$	20,100		$	3,837		$	4,535	$	1,178	$	4,430	$	38,597

Ending balance: Individually evaluated for impairment	$	458		$	2,248		$	1,113		$	2,440	$	—	$	—	$	6,259
Ending balance: Collectively evaluated for impairment	$	4,059		$	17,852		$	2,724		$	2,095	$	1,178	$	4,430	$	32,338

Loans:
Ending balance	$	93,001		$	579,687		$	42,167		$	414,543	$	3,101	$	17,551	$	1,150,050
Ending balance: Individually evaluated for impairment	$	762		$	47,581		$	11,579		$	29,040	$	23	$	—	$	88,985
Ending balance: Collectively evaluated for impairment	$	92,239		$	532,106		$	30,588		$	385,503	$	3,078	$	17,551	$	1,061,065

(1) As of December 31, 2012, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $22.7 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $1.8 million at December 31, 2012.

Changes in the allowance for loan losses by segment of loans based on method of impairment as of and for the year ending December 31, 2011 were as follows:

	Commercial			Real Estate Commercial(1)		Real Estate Construction			Real Estate Residential		Consumer			Unallocated			Total
Allowance for loan losses:
Beginning balance	$	6,764		$	42,242	$	18,344		$	6,999	$	880		$	1,079		$	76,308
Charge-offs	366			19,576		10,430			10,229		568			—			41,169
Recoveries	173			3,947		1,262			1,807		782			—			7,971
Provision	(1,501		)	4,157		(1,239		)	7,758		(210		)	(78		)	8,887
Ending balance	$	5,070		$	30,770	$	7,937		$	6,335	$	884		$	1,001		$	51,997

Ending balance: Individually evaluated for impairment	$	392		$	7,623	$	2,284		$	2,755	$	—		$	—		$	13,054
Ending balance: Collectively evaluated for impairment	$	4,678		$	23,147	$	5,653		$	3,580	$	884		$	1,001		$	38,943

Loans:
Ending balance	$	100,186		$	704,492	$	71,436		$	477,200	$	3,789		$	11,882		$	1,368,985
Ending balance: Individually evaluated for impairment	$	1,165		$	65,291	$	33,807		$	38,362	$	—		$	—		$	138,625
Ending balance: Collectively evaluated for impairment	$	99,021		$	639,201	$	37,629		$	438,838	$	3,789		$	11,882		$	1,230,360

(1) As of December 31, 2011, this segment consisted of performing loans that included a higher risk pool of loans rated as substandard that totaled $68.1 million. The amount of general allocation that was estimated for that portion of these performing substandard rated loans was $7.6 million at December 31, 2011.