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).



	September 30, 2016
(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, 2015	$	905		$	192		$	3,341		$	3,761		$	1,706		$	1,141		$	11,046
Charge-offs	(388		)	—			(7		)	(126		)	(31		)	(17		)	(569		)
Recoveries	128			—			395			27			65			55			670
Provision	238			(47		)	(112		)	(194		)	396			(228		)	53
Balance at September 30, 2016	$	883		$	145		$	3,617		$	3,468		$	2,136		$	951		$	11,200
Ending allowance:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	—		$	—		$	1,214		$	406		$	190		$	802		$	2,612
Collectively evaluated for impairment	883			145			2,403			3,062			1,946			149			8,588
Total ending allowance balance	$	883		$	145		$	3,617		$	3,468		$	2,136		$	951		$	11,200
Loans:
Individually evaluated for impairment	$	30		$	7,931		$	4,362		$	4,954		$	1,285		$	1,871		$	20,433
Collectively evaluated for impairment	32,489			8,901			328,046			245,824			192,541			17,656			825,457
Total ending loans balance	$	32,519		$	16,832		$	332,408		$	250,778		$	193,826		$	19,527		$	845,890



	December 31, 2015
(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, 2014	$	550	$	179	$	3,966		$	3,916		$	2,354		$	821		$	11,786
Charge-offs	—		—		(344		)	(9		)	(3,281		)	(57		)	(3,691		)
Recoveries	246		—		359			28			14			11			658
Provision	109		13		(640		)	(174		)	2,619			366			2,293
Balance at December 31, 2015	$	905	$	192	$	3,341		$	3,761		$	1,706		$	1,141		$	11,046
Ending allowance:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	53	$	—	$	1,120		$	464		$	27		$	1,000		$	2,664
Collectively evaluated for impairment	852		192		2,221			3,297			1,679			141			8,382
Total ending allowance balance	$	905	$	192	$	3,341		$	3,761		$	1,706		$	1,141		$	11,046
Loans:
Individually evaluated for impairment	$	203	$	7,903	$	5,127		$	4,196		$	1,517		$	1,898		$	20,844
Collectively evaluated for impairment	39,470		11,159		274,969			253,839			188,965			16,435			784,837
Total ending loans balance	$	39,673	$	19,062	$	280,096		$	258,035		$	190,482		$	18,333		$	805,681



	September 30, 2015
(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, 2014	$	550	$	179	$	3,966		$	3,916		$	2,354		$	821		$	11,786
Charge-offs	—		—		(100		)	(9		)	(246		)	(46		)	(401		)
Recoveries	41		—		338			23			11			9			422
Provision (recovery)	189		12		(369		)	(200		)	(428		)	389			(407		)
Balance at September 30, 2015	$	780	$	191	$	3,835		$	3,730		$	1,691		$	1,173		$	11,400
Ending allowance:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	57	$	—	$	1,376		$	463		$	46		$	1,020		$	2,962
Collectively evaluated for impairment	723		191		2,459			3,267			1,645			153			8,438
Total ending allowance balance	$	780	$	191	$	3,835		$	3,730		$	1,691		$	1,173		$	11,400
Loans:
Individually evaluated for impairment	$	212	$	7,903	$	5,528		$	4,220		$	768		$	2,302		$	20,933
Collectively evaluated for impairment	33,169		11,488		267,648			253,792			179,139			14,698			759,934
Total ending loans balance	$	33,381	$	19,391	$	273,176		$	258,012		$	179,907		$	17,000		$	780,867