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, 2015	$	3,449		$	3,124		$	1,870		$	1,500		$	759		$	2,048		$	1,583		$	698		$	2,030		$	233		$	23		$	17,317
Charge-offs	(2,802		)	(980		)	(329		)	(980		)	—			—			—			(151		)	—			—			—			(5,242		)
Recoveries	177			—			25			193			—			21			—			25			—			—			4			445
Provisions for (reduction in) loan losses	5,538			1,701			(373		)	326			(759		)	(354		)	1,344			(207		)	1,602			(35		)	(7		)	8,776
Balance, December 31, 2016	$	6,362		$	3,845		$	1,193		$	1,039		$	—		$	1,715		$	2,927		$	365		$	3,632		$	198		$	20		$	21,296
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	250		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	250
General portfolio allocation	6,112			3,845			1,193			1,039			—			1,715			2,927			365			3,632			198			20			21,046
Loans individually evaluated for impairment	250			—			436			316			—			—			—			124			—			15			—			1,141
Specific reserves to total loans individually evaluated for impairment	100.00		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	21.91		%
Loans collectively evaluated for impairment	$	562,919		$	459,421		$	454,482		$	88,678		$	—		$	586,975		$	690,955		$	100,327		$	269,159		$	19,814		$	4,112		$	3,236,842
General reserves to total loans collectively evaluated for impairment	1.09		%	0.84		%	0.26		%	1.17		%	—		%	0.29		%	0.42		%	0.36		%	1.35		%	1.00		%	0.49		%	0.65		%
Total gross loans	$	563,169		$	459,421		$	454,918		$	88,994		$	—		$	586,975		$	690,955		$	100,451		$	269,159		$	19,829		$	4,112		$	3,237,983
Total allowance to gross loans	1.13		%	0.84		%	0.26		%	1.17		%	—		%	0.29		%	0.42		%	0.36		%	1.35		%	1.00		%	0.49		%	0.66		%



	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	—		%	44.85		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	26.26		%
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		$	53,691		$	143,200		$	421,583		$	429,003		$	80,050		$	169,748		$	18,340		$	5,111		$	2,254,118
Total allowance to gross loans	1.11		%	0.95		%	0.63		%	2.79		%	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		%