The following tables summarize the allocation of the ALLL, as well as the activity in the ALLL attributed to various segments in the loan portfolio as of and for the three months ended 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, 2015	$	3,449		$	3,124		$	1,870		$	1,500		$	759		$	2,048		$	1,583		$	698		$	2,030		$	233		$	23		$	17,317
Charge-offs	—			—			—			—			—			—			—			—			—			—			—			—
Recoveries	14			—			—			3			—			—			—			1			—			—			—			18
Provisions for (reduction in) loan losses	(440		)	444			95			125			(752		)	(151		)	1,349			6			474			(29		)	(1		)	1,120
Balance, March 31, 2016	$	3,023		$	3,568		$	1,965		$	1,628		$	7		$	1,897		$	2,932		$	705		$	2,504		$	204		$	22		$	18,455

Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	731		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	731
General portfolio allocation	3,023			2,837			1,965			1,628			7			1,897			2,932			705			2,504			204			22			17,724
Loans individually evaluated for impairment	306			1,630			507			69			—			—			—			523			—			19			—			3,054
Specific reserves to total loans individually evaluated for impairment	—		%	44.85		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	23.94		%
Loans collectively evaluated for impairment	$	490,806		$	370,245		$	423,782		$	78,281		$	1,394		$	522,080		$	619,485		$	106,331		$	218,069		$	18,203		$	6,045		$	2,854,721
General reserves to total loans collectively evaluated for impairment	0.62		%	0.77		%	0.46		%	2.08		%	0.50		%	0.36		%	0.47		%	0.66		%	1.15		%	1.12		%	0.36		%	0.62		%
Total gross loans	$	491,112		$	371,875		$	424,289		$	78,350		$	1,394		$	522,080		$	619,485		$	106,854		$	218,069		$	18,222		$	6,045		$	2,857,775
Total allowance to gross loans	0.62		%	0.96		%	0.46		%	2.08		%	0.50		%	0.36		%	0.47		%	0.66		%	1.15		%	1.12		%	0.36		%	0.65		%



	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, September 30, 2015	$	3,339		$	2,224		$	1,904		$	1,463		$	804		$	2,121		$	1,680		$	718		$	1,701		$	171		$	20		$	16,145
Charge-offs	(412		)	—			—			—			—			(116		)	—			(16		)	—			—			—			(544		)
Recoveries	12			—			—			4			—			—			—			—			—			—			—			16
Provisions for (reduction in) loan losses	510			900			(34		)	33			(45		)	43			(97		)	(4		)	329			62			3			1,700
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			1			2,785
Specific reserves to total loans individually evaluated for impairment	—		%	44.85		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	26.25		%
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		$	5,110		$	2,259,898
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, 2014	$	2,646		$	1,554		$	1,757		$	568		$	546		$	2,007		$	1,060		$	842		$	1,088		$	108		$	24		$	12,200
Charge-offs	(24		)	(372		)	—			—			—			—			—			—			—			—			—			(396		)
Recoveries	12			—			—			—			—			—			—			—			—			—			—			12
Provisions for (reduction in) loan losses	809			558			(155		)	(21		)	343			124			243			(168		)	122			(30		)	5			1,830
Balance, March 31, 2015	$	3,443		$	1,740		$	1,602		$	547		$	889		$	2,131		$	1,303		$	674		$	1,210		$	78		$	29		$	13,646

Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
General portfolio allocation	3,443			1,740			1,602			547			889			2,131			1,303			674			1,210			78			29			13,646
Loans individually evaluated for impairment	—			1,853			379			—			—			458			—			232			—			—			—			2,922
Specific reserves to total loans individually evaluated for impairment	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%
Loans collectively evaluated for impairment	$	276,321		$	214,691		$	279,325		$	49,855		$	216,554		$	451,964		$	397,130		$	116,503		$	111,704		$	7,243		$	6,641		$	2,127,931
General reserves to total loans collectively evaluated for impairment	1.25		%	0.81		%	0.57		%	1.10		%	0.41		%	0.47		%	0.33		%	0.58		%	1.08		%	1.08		%	0.44		%	0.64		%
Total gross loans	$	276,321		$	216,544		$	279,704		$	49,855		$	216,554		$	452,422		$	397,130		$	116,735		$	111,704		$	7,243		$	6,641		$	2,130,853
Total allowance to gross loans	1.25		%	0.80		%	0.57		%	1.10		%	0.41		%	0.47		%	0.33		%	0.58		%	1.08		%	1.08		%	0.44		%	0.64		%