NOTE 4 - ALLOWANCE FOR LOAN LOSSES

The following table summarizes the primary segments of the ALL, segregated into the amount for loans individually evaluated for impairment by class of loans as of March 31, 2014 and March 31, 2013 (in thousands):


March 31, 2014	Commercial and other			Commercial Real Estate		Consumer Real Estate		Consumer			Total
Allowance for Loan Losses:
Beginning Balance, January 1, 2014	$	260		$	1,315	$	263	$	27		$	1,865
Charge-offs		—			—		—		—			—
Recoveries		—			—		—		1			1
Provision		(5	)		—		6		(1	)		—

Ending Balance, March 31, 2014	$	255		$	1,315	$	269	$	27		$	1,866

Loans individually evaluated for impairment	$	23		$	174	$	—	$	—		$	197
Loans collectively evaluated for impairment		232			1,141		269		27			1,669

Ending Balance	$	255		$	1,315	$	269	$	27		$	1,866


March 31, 2013	Commercial and other		Commercial Real Estate		Consumer Real Estate		Consumer			Total
Allowance for Loan Losses:
Beginning Balance, January 1, 2013	$	179	$	1,762	$	193	$	47		$	2,181
Charge-offs		—		—		—		(5	)		(5	)
Recoveries		—		—		—		2			2
Provision		—		—		—		—			—

Ending Balance, March 31, 2013	$	179	$	1,762	$	193	$	44		$	2,178

Loans individually evaluated for impairment	$	22	$	574	$	—	$	—		$	596
Loans collectively evaluated for impairment		157		1,188		193		44			1,582

Ending Balance	$	179	$	1,762	$	193	$	44		$	2,178

The following table presents loans individually and collectively evaluated for impairment by class of loans as of March 31, 2014 and December 31, 2013 (in thousands):


March 31, 2014	Commercial and other		Commercial Real Estate		Consumer Real Estate		Consumer		Unearned Discounts			Total
Loans individually evaluated	$	25	$	892	$	219	$	—	$	—		$	1,136
Loans collectively evaluated		17,226		40,603		28,906		3,236		(137	)		89,834

Ending Balance	$	17,251	$	41,495	$	29,125	$	3,236	$	(137	)	$	90,970


December 31, 2013
Loans individually evaluated	$	36	$	930	$	231	$	—	$	—		$	1,197
Loans collectively evaluated		16,689		43,177		29,016		3,456		(133	)		92,205

Ending Balance	$	16,725	$	44,107	$	29,247	$	3,456	$	(133	)	$	93,402