The following tables present the balance in the allowance for loan and lease losses (“ALLL”) and the recorded investment in loans based on portfolio segment and impairment method as of December 31, 2016, 2015, and 2014:

2016
(in thousands)	Commercial Construction			Commercial Secured by Real Estate			Equipment Lease Financing			Commercial Other			Real Estate Construction			Real Estate Mortgage			Home Equity			Consumer Direct			Consumer Indirect			Total
ALLL
Balance, beginning of year	$	2,199		$	14,434		$	79		$	4,225		$	550		$	6,678		$	839		$	1,594		$	5,496		$	36,094
Provision charged to expense		(1,035	)		1,220			(37	)		2,128			264			291			(20	)		912			4,149			7,872
Losses charged off		(316	)		(1,641	)		0			(2,136	)		(192	)		(1,043	)		(54	)		(1,236	)		(5,050	)		(11,668	)
Recoveries		36			178			0			439			7			101			9			615			2,250			3,635
Balance, end of year	$	884		$	14,191		$	42		$	4,656		$	629		$	6,027		$	774		$	1,885		$	6,845		$	35,933

Ending balance:
Individually evaluated for impairment	$	213		$	1,035		$	0		$	65		$	0		$	0		$	0		$	0		$	0		$	1,313
Collectively evaluated for impairment	$	671		$	13,156		$	42		$	4,591		$	629		$	6,027		$	774		$	1,885		$	6,845		$	34,620

Loans
Ending balance:
Individually evaluated for impairment	$	5,609		$	33,756		$	0		$	11,354		$	0		$	1,483		$	0		$	0		$	0		$	52,202
Collectively evaluated for impairment	$	61,389		$	1,051,672		$	5,512		$	338,805		$	57,966		$	701,486		$	91,511		$	133,093		$	444,735		$	2,886,169

2015
(in thousands)	Commercial Construction			Commercial Secured by Real Estate			Equipment Lease Financing			Commercial Other			Real Estate Construction			Real Estate Mortgage			Home Equity			Consumer Direct			Consumer Indirect			Total
ALLL
Balance, beginning of year	$	2,896		$	13,618		$	119		$	4,263		$	534		$	6,094		$	756		$	1,574		$	4,593		$	34,447
Provision charged to expense		(707	)		2,135			(40	)		1,338			147			1,888			158			891			2,840			8,650
Losses charged off		(3	)		(1,379	)		0			(1,961	)		(135	)		(1,421	)		(129	)		(1,306	)		(3,536	)		(9,870	)
Recoveries		13			60			0			585			4			117			54			435			1,599			2,867
Balance, end of year	$	2,199		$	14,434		$	79		$	4,225		$	550		$	6,678		$	839		$	1,594		$	5,496		$	36,094

Ending balance:
Individually evaluated for impairment	$	831		$	1,227		$	0		$	403		$	0		$	0		$	0		$	0		$	0		$	2,461
Collectively evaluated for impairment	$	1,368		$	13,207		$	79		$	3,822		$	550		$	6,678		$	839		$	1,594		$	5,496		$	33,633

Loans
Ending balance:
Individually evaluated for impairment	$	6,263		$	33,421		$	0		$	8,460		$	0		$	1,744		$	0		$	0		$	0		$	49,888
Collectively evaluated for impairment	$	71,757		$	1,019,498		$	8,514		$	350,438		$	61,750		$	706,130		$	89,450		$	126,406		$	390,130		$	2,824,073

2014
(in thousands)	Commercial Construction			Commercial Secured by Real Estate			Equipment Lease Financing			Commercial Other			Real Estate Construction			Real Estate Mortgage			Home Equity			Consumer Direct			Consumer Indirect			Total
ALLL
Balance, beginning of year	$	3,396		$	14,535		$	121		$	5,238		$	397		$	4,939		$	601		$	1,127		$	3,654		$	34,008
Provision charged to expense		(513	)		941			(2	)		1,545			258			2,173			265			1,207			2,881			8,755
Losses charged off		(15	)		(2,163	)		0			(3,141	)		(123	)		(1,058	)		(115	)		(1,326	)		(3,495	)		(11,436	)
Recoveries		28			305			0			621			2			40			5			566			1,553			3,120
Balance, end of year	$	2,896		$	13,618		$	119		$	4,263		$	534		$	6,094		$	756		$	1,574		$	4,593		$	34,447

Ending balance:
Individually evaluated for impairment	$	734		$	827		$	0		$	181		$	0		$	0		$	0		$	0		$	0		$	1,742
Collectively evaluated for impairment	$	2,162		$	12,791		$	119		$	4,082		$	534		$	6,094		$	756		$	1,574		$	4,593		$	32,705

Loans
Ending balance:
Individually evaluated for impairment	$	9,627		$	34,357		$	0		$	13,807		$	0		$	1,277		$	0		$	0		$	0		$	59,068
Collectively evaluated for impairment	$	112,315		$	914,269		$	10,344		$	338,241		$	62,412		$	711,188		$	88,335		$	122,136		$	315,516		$	2,674,756