The following tables present a summary of changes in the allowance for loan losses by portfolio segment for the periods indicated:



Three Months Ended June 30, 2016	Real Estate			Consumer			Commercial			Agriculture			Other		Total
Allowance for loan losses:
Beginning balance	$	36,652		$	5,256		$	36,252		$	1,764		$	—	$	79,924
Provision charged to operating expense	(4,059		)	2,123			4,313			173			—		2,550
Less loans charged-off	(523		)	(1,712		)	(1,018		)	(188		)	—		(3,441		)
Add back recoveries of loans previously charged-off	211			648			448			—			—		1,307
Ending balance	$	32,281		$	6,315		$	39,995		$	1,749		$	—	$	80,340

Six Months Ended June 30, 2016	Real Estate			Consumer			Commercial			Agriculture			Other		Total
Allowance for loan losses:
Beginning balance	$	52,296		$	5,144		$	18,775		$	602		$	—	$	76,817
Provision charged to operating expense	(20,140		)	3,352			22,003			1,335			—		6,550
Less loans charged-off	(2,445		)	(3,604		)	(1,506		)	(188		)	—		(7,743		)
Add back recoveries of loans previously charged-off	2,570			1,423			723			—			—		4,716
Ending balance	$	32,281		$	6,315		$	39,995		$	1,749		$	—	$	80,340

As of June 30, 2016	Real Estate			Consumer			Commercial			Agriculture			Other		Total
Allowance for loan losses:
Loans individually evaluated for impairment	$	8,184		$	—		$	10,588		$	81		$	—	$	18,853
Loans collectively evaluated for impairment	24,097			6,315			29,407			1,668			—		61,487
Allowance for loan losses	$	32,281		$	6,315		$	39,995		$	1,749		$	—	$	80,340

Total loans:
Individually evaluated for impairment	$	64,204		$	—		$	33,506		$	774		$	—	$	98,484
Collectively evaluated for impairment	3,400,311			907,174			791,456			139,118			3,646		5,241,705
Total loans	$	3,464,515		$	907,174		$	824,962		$	139,892		$	3,646	$	5,340,189



Three Months Ended June 30, 2015	Real Estate			Consumer			Commercial			Agriculture		Other		Total
Allowance for loan losses:
Beginning balance	$	53,659		$	5,499		$	15,196		$	982	$	—	$	75,336
Provision charged to operating expense	461			646			224			9		—		1,340
Less loans charged-off	(610		)	(837		)	(61		)	—		—		(1,508		)
Add back recoveries of loans previously charged-off	425			520			438			1		—		1,384
Ending balance	$	53,935		$	5,828		$	15,797		$	992	$	—	$	76,552



Six Months Ended June 30, 2015	Real Estate			Consumer			Commercial			Agriculture		Other		Total
Allowance for loan losses:
Beginning balance	$	53,884		$	5,035		$	14,307		$	974	$	—	$	74,200
Provision charged to operating expense	(570		)	1,771			1,217			17		—		2,435
Less loans charged-off	(795		)	(2,138		)	(435		)	—		—		(3,368		)
Add back recoveries of loans previously charged-off	1,416			1,160			708			1		—		3,285
Ending balance	$	53,935		$	5,828		$	15,797		$	992	$	—	$	76,552

As of December 31, 2015	Real Estate			Consumer			Commercial			Agriculture		Other		Total
Allowance for loan losses:
Loans individually evaluated for impairment	$	4,794		$	—		$	6,487		$	294	$	—	$	11,575
Loans collectively evaluated for impairment	47,502			5,144			12,288			308		—		65,242
Allowance for loan losses	$	52,296		$	5,144		$	18,775		$	602	$	—	$	76,817

Total loans:
Individually evaluated for impairment	$	66,516		$	—		$	24,471		$	978	$	—	$	91,965
Collectively evaluated for impairment	3,346,546			844,353			767,945			141,173		1,339		5,101,356
Total loans	$	3,413,062		$	844,353		$	792,416		$	142,151	$	1,339	$	5,193,321

The Company performs a quarterly assessment of the adequacy of its allowance for loan losses in accordance with generally accepted accounting principles. The methodology used to assess the adequacy is consistently applied to the Company's loan portfolio and consists of three elements: (1) specific valuation allowances based on probable losses on impaired loans; (2) historical valuation allowances based on loan loss experience for similar loans with similar characteristics and trends; and (3) general valuation allowances determined based on changes in the nature of the loan portfolio, overall portfolio quality, industry concentrations, delinquency trends, general economic conditions and other qualitative risk factors both internal and external to the Company.

Specific allowances are established for loans where management has determined that probability of a loss exists by analyzing the borrower’s ability to repay amounts owed, collateral deficiencies and any relevant qualitative or economic factors impacting the loan. Historical valuation allowances are determined by applying percentage loss factors to the credit exposures from outstanding loans. For commercial, agricultural and real estate loans, loss factors are applied based on the internal risk classifications of these loans. For consumer loans, loss factors are applied on a portfolio basis. For commercial, agriculture and real estate loans, loss factor percentages are based on a migration analysis of our historical loss experience, designed to account for credit deterioration. For consumer loans, loss factor percentages are based on a one-year loss history. General valuation allowances are determined by evaluating, on a quarterly basis, changes in the nature and volume of the loan portfolio, overall portfolio quality, industry concentrations, current economic and regulatory conditions and the estimated impact of these factors on historical loss rates.

An allowance for loan losses is established for loans acquired credit impaired and for which the Company projects a decrease in the expected cash flows in periods subsequent to the acquisition of such loans. As of June 30, 2016 and December 31, 2015, the Company's allowance for loan losses included $387 and $382, respectively, related to loans acquired credit impaired.