The following tables summarize the allocation of the allowance as well as the activity in the allowance attributed to various segments in the loan portfolio as of and for the periods indicated:



	Commercial and Industrial			Franchise			Commercial Owner Occupied			SBA			Warehouse Facilities			Commercial Non-owner Occupied			Multi-family			One-to-four Family			Construction			Land			Other Loans			Total
	(dollars in thousands)
Balance, December 31, 2014	$	2,646		$	1,554		$	1,757		$	568		$	546		$	2,007		$	1,060		$	842		$	1,088		$	108		$	24		$	12,200
Charge-offs	(484		)	(764		)	—			—			—			(116		)	—			(16		)	—			—			—			(1,380		)
Recoveries	47			—			—			8			—			3			—			13			—			—			1			72
Provisions for (reduction in) loan losses	1,240			2,334			113			924			213			154			523			(141		)	942			125			(2		)	6,425
Balance, December 31, 2015	$	3,449		$	3,124		$	1,870		$	1,500		$	759		$	2,048		$	1,583		$	698		$	2,030		$	233		$	23		$	17,317
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	731		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	731
General portfolio allocation	3,449			2,393			1,870			1,500			759			2,048			1,583			698			2,030			233			23			16,586
Loans individually evaluated for impairment	313			1,630			536			—			—			214			—			70			—			21			—			2,784
Specific reserves to total loans individually evaluated for impairment	—		%	30.53		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	16.93		%
Loans collectively evaluated for impairment	$	309,428		$	327,295		$	294,190		$	62,256		$	143,200		$	421,369		$	429,003		$	79,980		$	169,748		$	18,319		$	5,111		$	2,259,899
General reserves to total loans collectively evaluated for impairment	1.11		%	0.73		%	0.64		%	2.41		%	0.53		%	0.49		%	0.37		%	0.87		%	1.20		%	1.27		%	0.45		%	0.73		%
Total gross loans	$	309,741		$	328,925		$	294,726		$	62,256		$	143,200		$	421,583		$	429,003		$	80,050		$	169,748		$	18,340		$	5,111		$	2,262,683
Total allowance to gross loans	1.11		%	0.95		%	0.63		%	2.41		%	0.53		%	0.49		%	0.37		%	0.87		%	1.20		%	1.27		%	0.45		%	0.77		%



	Commercial and Industrial			Franchise			Commercial Owner Occupied			SBA			Warehouse Facilities			Commercial Non-owner Occupied			Multi-family			One-to-four Family			Construction			Land			Other Loans			Total
	(dollars in thousands)
Balance, December 31, 2013	$	1,968		$	—		$	1,818		$	151		$	392		$	1,658		$	817		$	1,099		$	136		$	127		$	34		$	8,200
Charge-offs	(223		)	—			—			—			—			(365		)	—			(195		)	—			—			—			(783		)
Recoveries	42			—			—			4			—			—			—			34			—			—			19			99
Provisions for (reduction in) loan losses	859			1,554			(61		)	413			154			714			243			(96		)	952			(19		)	(29		)	4,684
Balance, December 31, 2014	$	2,646		$	1,554		$	1,757		$	568		$	546		$	2,007		$	1,060		$	842		$	1,088		$	108		$	24		$	12,200
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	$	2,646		$	1,554		$	1,757		$	568		$	546		$	2,007		$	1,060		$	842		$	1,088		$	108		$	24		$	12,200
Loans individually evaluated for impairment	$	—		$	—		$	388		$	—		$	—		$	848		$	—		$	236		$	—		$	—		$	—		$	1,472
Specific reserves to total loans individually evaluated for impairment	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
Loans collectively evaluated for impairment	$	228,979		$	199,228		$	210,607		$	28,404		$	113,798		$	358,365		$	262,965		$	122,559		$	89,682		$	9,088		$	3,298		$	1,626,973
General reserves to total loans collectively evaluated for impairment	1.16		%	0.78		%	0.83		%	2.00		%	0.48		%	0.56		%	0.40		%	0.69		%	1.21		%	1.19		%	0.73		%	0.75		%
Total gross loans	$	228,979		$	199,228		$	210,995		$	28,404		$	113,798		$	359,213		$	262,965		$	122,795		$	89,682		$	9,088		$	3,298		$	1,628,445
Total allowance to gross loans	1.16		%	0.78		%	0.83		%	2.00		%	0.48		%	0.56		%	0.40		%	0.69		%	1.21		%	1.19		%	0.73		%	0.75		%
Balance, December 31, 2012	$	1,310		$	—		$	1,512		$	79		$	1,544		$	1,459		$	1,145		$	862		$	—		$	31		$	52		$	7,994
Charge-offs	(509		)	—			(232		)	(143		)	—			(756		)	(101		)	(272		)	—			—			(18		)	(2,031		)
Recoveries	138			—			—			50			—			—			—			47			—			—			142			377
Provisions for (reduction in) loan losses	1,029			—			538			165			(1,152		)	955			(227		)	462			136			96			(142		)	1,860



	Commercial and Industrial			Franchise			Commercial Owner Occupied			SBA			Warehouse Facilities			Commercial Non-owner Occupied			Multi-family			One-to-four Family			Construction			Land			Other Loans			Total
	(dollars in thousands)
Balance, December 31, 2013	$	1,968		$	—		$	1,818		$	151		$	392		$	1,658		$	817		$	1,099		$	136		$	127		$	34		$	8,200
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	104		$	—		$	—		$	—		$	105
General portfolio allocation	$	1,968		$	—		$	1,818		$	151		$	392		$	1,657		$	817		$	995		$	136		$	127		$	34		$	8,095
Loans individually evaluated for impairment	$	—		$	—		$	747		$	14		$	—		$	983		$	—		$	683		$	—		$	—		$	—		$	2,427
Specific reserves to total loans individually evaluated for impairment	—		%	—		%	—		%	—		%	—		%	0.10		%	—		%	15.23		%	—		%	—		%	—		%	4.33		%
Loans collectively evaluated for impairment	$	187,035		$	—		$	220,342		$	10,645		$	87,517		$	332,561		$	233,689		$	144,552		$	13,040		$	7,605		$	3,839		$	1,240,825
General reserves to total loans collectively evaluated for impairment	1.05		%	—		%	0.83		%	1.42		%	0.45		%	0.50		%	0.35		%	0.69		%	1.04		%	1.67		%	0.89		%	0.65		%
Total gross loans	$	187,035		$	—		$	221,089		$	10,659		$	87,517		$	333,544		$	233,689		$	145,235		$	13,040		$	7,605		$	3,839		$	1,243,252
Total allowance to gross loans	1.05		%	—		%	0.82		%	1.42		%	0.45		%	0.50		%	0.35		%	0.76		%	1.04		%	1.67		%	0.89		%	0.66		%