Allowance for Loan Losses

The following table presents, the total allowance for loan losses, the allowance by impairment methodology (individually evaluated for impairment or collectively evaluated for impairment), the total loans and loans by impairment methodology (individually evaluated for impairment or collectively evaluated for impairment).



	March 31, 2014
(Dollars in thousands)	Real Estate Construction			Real Estate Secured by Farmland		Real Estate Secured by 1-4 Family Residential			Other Real Estate Loans			Commercial			Consumer			Total
Allowance for loan losses:
Balance at December 31, 2013	$	847		$	166	$	6,734		$	3,506		$	1,890		$	177		$	13,320
Charge-offs	(90		)	—		(588		)	(684		)	(13		)	(14		)	(1,389		)
Recoveries	151			—		108			104			4			42			409
Provision	744			13		(175		)	423			(90		)	(27		)	888
Balance at March 31, 2014	$	1,652		$	179	$	6,079		$	3,349		$	1,791		$	178		$	13,228
Ending allowance:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	1,300		$	—	$	2,401		$	305		$	215		$	37		$	4,258
Collectively evaluated for impairment	352			179		3,678			3,044			1,576			141			8,970
Total ending allowance balance	$	1,652		$	179	$	6,079		$	3,349		$	1,791		$	178		$	13,228
Loans:
Individually evaluated for impairment	$	7,819		$	—	$	8,790		$	6,156		$	2,373		$	37		$	25,175
Collectively evaluated for impairment	27,158			17,738		265,776			259,837			123,022			12,758			706,289
Total ending loans balance	$	34,977		$	17,738	$	274,566		$	265,993		$	125,395		$	12,795		$	731,464



	December 31, 2013
(Dollars in thousands)	Real Estate Construction			Real Estate Secured by Farmland		Real Estate Secured by 1-4 Family Residential			Other Real Estate Loans			Commercial			Consumer			Total
Allowance for loan losses:
Balance at December 31, 2012	$	1,258		$	135	$	6,276		$	4,348		$	2,098		$	196		$	14,311
Charge-offs	(394		)	—		(785		)	(97		)	(75		)	(30		)	(1,381		)
Recoveries	68			—		140			37			9			27			281
Provision	(85		)	31		1,103			(782		)	(142		)	(16		)	109
Balance at December 31, 2013	$	847		$	166	$	6,734		$	3,506		$	1,890		$	177		$	13,320
Ending allowance:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	486		$	—	$	3,045		$	812		$	275		$	37		$	4,655
Collectively evaluated for impairment	361			166		3,689			2,694			1,615			140			8,665
Total ending allowance balance	$	847		$	166	$	6,734		$	3,506		$	1,890		$	177		$	13,320
Loans:
Individually evaluated for impairment	$	2,636		$	—	$	10,411		$	9,142		$	2,470		$	37		$	24,696
Collectively evaluated for impairment	33,389			16,578		262,973			251,191			127,084			12,569			703,784
Total ending loans balance	$	36,025		$	16,578	$	273,384		$	260,333		$	129,554		$	12,606		$	728,480