ALLOWANCE FOR LOAN AND LEASE LOSSES

Changes in the allowance for loan and lease losses for the three months ended March 31, 2016, and March 31, 2015, were as follows, in thousands:



	Commercial			Commercial Real Estate			Agricultural		Residential Real Estate			Consumer			Unallocated		Total
Balance at December 31, 2015	$	16,095		$	19,532		$	3,887	$	1,934		$	7,237		$	—	$	48,685
Charge-offs	(98		)	(312		)	—		(37		)	(1,158		)	—		(1,605		)
Recoveries	176			146			3		20			246			—		591
Provision	201			1,129			138		(66		)	665			—		2,067
Balance at March 31, 2016	$	16,374		$	20,495		$	4,028	$	1,851		$	6,990		$	—	$	49,738



	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at December 31, 2014	$	11,909		$	15,898		$	3,295		$	3,741		$	6,606		$	—	$	41,449
Charge-offs	(274		)	(333		)	(276		)	(58		)	(1,063		)	—		(2,004		)
Recoveries	320			126			22			37			233			—		738
Provision	(267		)	944			175			25			794			—		1,671
Balance at March 31, 2015	$	11,688		$	16,635		$	3,216		$	3,745		$	6,570		$	—	$	41,854

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.