ALLOWANCE FOR LOAN AND LEASE LOSSES

Changes in the allowance for loan and lease losses for the three and nine months ended September 30, 2014, and September 30, 2013, were as follows, in thousands:



	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at June 30, 2014	$	11,927		$	14,680		$	2,788		$	3,815		$	7,516		$	166	$	40,892
Charge-offs	(875		)	(295		)	(338		)	(21		)	(1,120		)	—		(2,649		)
Recoveries	145			539			5			29			184			—		902
Provision	158			1,221			661			(200		)	673			40		2,553
Balance at September 30, 2014	$	11,355		$	16,145		$	3,116		$	3,623		$	7,253		$	206	$	41,698

	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at December 31, 2013	$	13,099		$	14,152		$	2,992		$	3,720		$	7,722		$	—	$	41,685
Charge-offs	(7,940		)	(1,379		)	(1,974		)	(225		)	(3,189		)	—		(14,707		)
Recoveries	552			1,833			9			85			606			—		3,085
Provision	5,644			1,539			2,089			43			2,114			206		11,635
Balance at September 30, 2014	$	11,355		$	16,145		$	3,116		$	3,623		$	7,253		$	206	$	41,698



	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at June 30, 2013	$	9,436		$	13,671		$	3,055		$	3,580		$	7,881		$	—	$	37,623
Charge-offs	(163		)	(630		)	—			(450		)	(1,270		)	—		(2,513		)
Recoveries	78			514			1			76			383			—		1,052
Provision	3,745			488			(240		)	331			825			—		5,149
Balance at September 30, 2013	$	13,096		$	14,043		$	2,816		$	3,537		$	7,819		$	—	$	41,311

	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at December 31, 2012	$	11,388		$	14,473		$	2,138		$	3,543		$	7,173		$	—	$	38,715
Charge-offs	(1,422		)	(2,561		)	(23		)	(856		)	(3,488		)	—		(8,350		)
Recoveries	983			1,279			100			102			834			—		3,298
Provision	2,147			852			601			748			3,300			—		7,648
Balance at September 30, 2013	$	13,096		$	14,043		$	2,816		$	3,537		$	7,819		$	—	$	41,311

Management allocates the allowance for loan and lease losses by pools of risk within each loan portfolio. The allocation of the allowance for loan and lease losses by loan portfolio is made for analytical purposes and is not necessarily indicative of the trend of future loan and lease losses in any particular category. The total allowance for loan and lease losses is available to absorb losses from any segment of the loan portfolio.