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			Agribusiness			Warehouse Facilities			Commercial Non-owner Occupied			Multi-family			One-to-four Family			Construction			Farmland			Land			Consumer Loans			Total
	(dollars in thousands)
Balance, December 31, 2017	$	9,721		$	5,797		$	767		$	2,890		$	1,291		$	—		$	1,266		$	607		$	803		$	4,569		$	137		$	993		$	95		$	28,936
Charge-offs	(1,411		)	—			(33		)	(102		)	—			—			—			—			—			—			—			—			(409		)	(1,955		)
Recoveries	698			—			47			169			—			—			—			—			13			—			—			—			8			935
Provisions for (reduction in) loan losses	1,813			703			605			1,331			1,992			—			338			118			(11		)	597			366			(221		)	525			8,156
Balance, December 31, 2018	$	10,821		$	6,500		$	1,386		$	4,288		$	3,283		$	—		$	1,604		$	725		$	805		$	5,166		$	503		$	772		$	219		$	36,072
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	118		$	—		$	—		$	466		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	584
General portfolio allocation	10,703			6,500			1,386			3,822			3,283			—			1,604			725			805			5,166			503			772			219			35,488
Loans individually evaluated for impairment	1,023			189			599			2,739			7,500			—			—			—			408			—			—			—			—			12,458
Specific reserves to total loans individually evaluated for impairment	11.53		%	—		%	—		%	17.01		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	4.69		%
Loans collectively evaluated for impairment	$	1,363,400		$	765,227		$	1,678,523		$	191,143		$	131,019		$	—		$	2,003,174		$	1,535,289		$	355,856		$	523,643		$	150,502		$	46,628		$	89,424		$	8,833,828
General reserves to total loans collectively evaluated for impairment	0.79		%	0.85		%	0.08		%	2.00		%	2.51		%	—		%	0.08		%	0.05		%	0.23		%	0.99		%	0.33		%	1.66		%	0.24		%	0.40		%
Total gross loans	$	1,364,423		$	765,416		$	1,679,122		$	193,882		$	138,519		$	—		$	2,003,174		$	1,535,289		$	356,264		$	523,643		$	150,502		$	46,628		$	89,424		$	8,846,286
Total allowance to gross loans	0.79		%	0.85		%	0.08		%	2.21		%	2.37		%	—		%	0.08		%	0.05		%	0.23		%	0.99		%	0.33		%	1.66		%	0.24		%	0.41		%



	Commercial and Industrial			Franchise			Commercial Owner Occupied			SBA			Agribusiness			Warehouse Facilities			Commercial Non-owner Occupied			Multi-family			One-to-four Family			Construction			Farmland			Land			Consumer Loans			Total
	(dollars in thousands)

Balance, December 31, 2016	$	6,362		$	3,845		$	1,193		$	1,039		$	—		$	—		$	1,715		$	2,927		$	365		$	3,632		$	—		$	198		$	20		$	21,296
Charge-offs	(1,344		)	—			—			(8		)	—			—			—			—			(10		)	—			—			—			—			(1,362		)
Recoveries	94			—			105			127			—			—			—			—			35			—			—			—			1			362
Provisions for (reduction in) loan losses	4,609			1,952			(531		)	1,732			1,291			—			(449		)	(2,320		)	413			937			137			795			74			8,640
Balance, December 31, 2017	$	9,721		$	5,797		$	767		$	2,890		$	1,291		$	—		$	1,266		$	607		$	803		$	4,569		$	137		$	993		$	95		$	28,936
Amount of allowance attributed to:
Specifically evaluated impaired loans	$	—		$	—		$	55		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	55
General portfolio allocation	9,721			5,797			712			2,890			1,291			—			1,266			607			803			4,569			137			993			95			28,881
Loans individually evaluated for impairment	1,160			—			97			1,201			—			—			—			—			817			—			—			9			—			3,284
Specific reserves to total loans individually evaluated for impairment	—		%	—		%	56.70		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	—		%	1.67		%
Loans collectively evaluated for impairment	$	1,085,499		$	660,414		$	1,289,116		$	184,313		$	116,066		$	—		$	1,243,115		$	794,384		$	270,077		$	282,811		$	145,393		$	31,224		$	92,931		$	6,195,343
General reserves to total loans collectively evaluated for impairment	0.90		%	0.88		%	0.06		%	1.57		%	1.11		%	—		%	0.10		%	0.08		%	0.30		%	1.62		%	0.09		%	3.18		%	0.10		%	0.47		%
Total gross loans	$	1,086,659		$	660,414		$	1,289,213		$	185,514		$	116,066		$	—		$	1,243,115		$	794,384		$	270,894		$	282,811		$	145,393		$	31,233		$	92,931		$	6,198,627
Total allowance to gross loans	0.89		%	0.88		%	0.06		%	1.56		%	1.11		%	—		%	0.10		%	0.08		%	0.30		%	1.62		%	0.09		%	3.18		%	0.10		%	0.47		%



	Commercial and Industrial			Franchise			Commercial Owner Occupied			SBA			Agribusiness			Warehouse Facilities			Commercial Non-owner Occupied			Multi-family			One-to-four Family			Construction			Farmland			Land			Consumer Loans			Total

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		%