Allowance for Loan Losses

The allowance for loan losses is maintained at a level deemed appropriate by management to provide for probable incurred credit losses in the loan portfolio. The following tables detail the activity in the allowance for loan losses disaggregated by segment and class for the three and six months ended June 30, 2017:



	Balance at Beginning of Period		Charge-offs			Recoveries		Provision for Loan Losses			Balance at End of Period
	(In thousands)
Three Months Ended June 30, 2017
Commercial business:
Commercial and industrial	$	10,091	$	(63	)	$	452	$	171		$	10,651
Owner-occupied commercial real estate	4,216		(78		)	2		14			4,154
Non-owner occupied commercial real estate	7,601		—			—		108			7,709
Total commercial business	21,908		(141		)	454		293			22,514
One-to-four family residential	1,052		—			1		20			1,073
Real estate construction and land development:
One-to-four family residential	791		—			—		30			821
Five or more family residential and commercial properties	1,546		—			—		120			1,666
Total real estate construction and land development	2,337		—			—		150			2,487
Consumer	5,195		(398		)	110		803			5,710
Unallocated	1,102		—			—		(135		)	967
Total	$	31,594	$	(539	)	$	565	$	1,131		$	32,751

Six Months Ended June 30, 2017
Commercial business:
Commercial and industrial	$	10,968	$	(358	)	$	675	$	(634	)	$	10,651
Owner-occupied commercial real estate	3,661		(85		)	151		427			4,154
Non-owner occupied commercial real estate	7,753		—			—		(44		)	7,709
Total commercial business	22,382		(443		)	826		(251		)	22,514
One-to-four family residential	1,015		—			1		57			1,073
Real estate construction and land development:
One-to-four family residential	797		—			10		14			821
Five or more family residential and commercial properties	1,359		—			—		307			1,666
Total real estate construction and land development	2,156		—			10		321			2,487
Consumer	5,024		(941		)	217		1,410			5,710
Unallocated	506		—			—		461			967
Total	$	31,083	$	(1,384	)	$	1,054	$	1,998		$	32,751

The following table details the allowance for loan losses disaggregated on the basis of the Company's impairment method as of June 30, 2017.



	Loans Individually Evaluated for Impairment		Loans Collectively Evaluated for Impairment		PCI Loans		Total Allowance for Loan Losses
	(In thousands)
Commercial business:
Commercial and industrial	$	1,338	$	7,729	$	1,584	$	10,651
Owner-occupied commercial real estate	696		2,286		1,172		4,154
Non-owner occupied commercial real estate	907		5,168		1,634		7,709
Total commercial business	2,941		15,183		4,390		22,514
One-to-four family residential	95		724		254		1,073
Real estate construction and land development:
One-to-four family residential	59		519		243		821
Five or more family residential and commercial properties	64		1,483		119		1,666
Total real estate construction and land development	123		2,002		362		2,487
Consumer	66		4,549		1,095		5,710
Unallocated	—		967		—		967
Total	$	3,225	$	23,425	$	6,101	$	32,751

The following table details the recorded investment balance of the loan receivables disaggregated on the basis of the Company’s impairment method as of June 30, 2017:



	Loans Individually Evaluated for Impairment		Loans Collectively Evaluated for Impairment		PCI Loans		Total Gross Loans Receivable
	(In thousands)
Commercial business:
Commercial and industrial	$	10,842	$	641,354	$	7,425	$	659,621
Owner-occupied commercial real estate	4,820		568,381		13,035		586,236
Non-owner occupied commercial real estate	11,291		876,104		16,800		904,195
Total commercial business	26,953		2,085,839		37,260		2,150,052
One-to-four family residential	310		76,264		4,367		80,941
Real estate construction and land development:
One-to-four family residential	2,753		44,751		1,975		49,479
Five or more family residential and commercial properties	1,062		132,575		2,322		135,959
Total real estate construction and land development	3,815		177,326		4,297		185,438
Consumer	259		324,594		5,362		330,215
Total	$	31,337	$	2,664,023	$	51,286	$	2,746,646

The following tables detail activity in the allowance for loan losses disaggregated by segment and class for the three and six months ended June 30, 2016.



	Balance at Beginning of Period		Charge-offs			Recoveries		Provision for Loan Losses			Balance at End of Period
	(In thousands)
Three Months Ended June 30, 2016
Commercial business:
Commercial and industrial	$	9,830	$	(1,392	)	$	85	$	1,447		$	9,970
Owner-occupied commercial real estate	4,092		(398		)	—		(116		)	3,578
Non-owner occupied commercial real estate	7,557		(350		)	—		(283		)	6,924
Total commercial business	21,479		(2,140		)	85		1,048			20,472
One-to-four family residential	1,087		—			1		(138		)	950
Real estate construction and land development:
One-to-four family residential	804		—			—		(50		)	754
Five or more family residential and commercial properties	1,067		(1		)	—		211			1,277
Total real estate construction and land development	1,871		(1		)	—		161			2,031
Consumer	4,756		(467		)	161		366			4,816
Unallocated	474		—			—		(317		)	157
Total	$	29,667	$	(2,608	)	$	247	$	1,120		$	28,426

Six Months Ended June 30, 2016
Commercial business:
Commercial and industrial	$	9,972	$	(2,570	)	$	359	$	2,209		$	9,970
Owner-occupied commercial real estate	4,370		(450		)	—		(342		)	3,578
Non-owner occupied commercial real estate	7,722		(350		)	—		(448		)	6,924
Total commercial business	22,064		(3,370		)	359		1,419			20,472
One-to-four family residential	1,157		—			2		(209		)	950
Real estate construction and land development:
One-to-four family residential	1,058		(100		)	83		(287		)	754
Five or more family residential and commercial properties	813		(54		)	—		518			1,277
Total real estate construction and land development	1,871		(154		)	83		231			2,031
Consumer	4,309		(798		)	299		1,006			4,816
Unallocated	345		—			—		(188		)	157
Total	$	29,746	$	(4,322	)	$	743	$	2,259		$	28,426

The following table details the allowance for loan losses disaggregated on the basis of the Company's impairment method as of December 31, 2016.



	Loans Individually Evaluated for Impairment		Loans Collectively Evaluated for Impairment		PCI Loans		Total Allowance for Loan Losses
	(In thousands)
Commercial business:
Commercial and industrial	$	1,199	$	8,048	$	1,721	$	10,968
Owner-occupied commercial real estate	511		1,834		1,316		3,661
Non-owner occupied commercial real estate	797		5,142		1,814		7,753
Total commercial business	2,507		15,024		4,851		22,382
One-to-four family residential	97		643		275		1,015
Real estate construction and land development:
One-to-four family residential	6		538		253		797
Five or more family residential and commercial properties	60		1,168		131		1,359
Total real estate construction and land development	66		1,706		384		2,156
Consumer	64		3,912		1,048		5,024
Unallocated	—		506		—		506
Total	$	2,734	$	21,791	$	6,558	$	31,083

The following table details the recorded investment balance of the loan receivables disaggregated on the basis of the Company’s impairment method as of December 31, 2016:



	Loans Individually Evaluated for Impairment		Loans Collectively Evaluated for Impairment		PCI Loans		Total Gross Loans Receivable
	(In thousands)
Commercial business:
Commercial and industrial	$	12,375	$	616,081	$	9,317	$	637,773
Owner-occupied commercial real estate	4,724		537,338		15,973		558,035
Non-owner occupied commercial real estate	11,318		846,202		23,360		880,880
Total commercial business	28,417		1,999,621		48,650		2,076,688
One-to-four family residential	321		72,165		4,905		77,391
Real estate construction and land development:
One-to-four family residential	3,071		45,220		2,123		50,414
Five or more family residential and commercial properties	1,079		105,197		2,488		108,764
Total real estate construction and land development	4,150		150,417		4,611		159,178
Consumer	310		318,548		6,282		325,140
Total	$	33,198	$	2,540,751	$	64,448	$	2,638,397