ALLOWANCE FOR LOAN AND LEASE LOSSES

Changes in the allowance for loan and lease losses for the three months ended March 31, 2014, and March 31, 2013, were as follows, in thousands:



	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at December 31, 2013	$	13,099		$	14,152		$	2,992		$	3,720		$	7,722		$	—	$	41,685
Charge-offs	(6,917		)	(923		)	(1,511		)	(149		)	(1,158		)	—		(10,658		)
Recoveries	199			780			2			26			208			—		1,215
Provision	5,252			(999		)	1,088			74			604			312		6,331
Balance at March 31, 2014	$	11,633		$	13,010		$	2,571		$	3,671		$	7,376		$	312	$	38,573



	Commercial			Commercial Real Estate			Agricultural			Residential Real Estate			Consumer			Unallocated		Total
Balance at December 31, 2012	$	11,388		$	14,473		$	2,138		$	3,543		$	7,173		$	—	$	38,715
Charge-offs	(538		)	(1,243		)	(23		)	(265		)	(995		)	—		(3,064		)
Recoveries	781			186			12			7			254			—		1,240
Provision	(2,332		)	1,774			68			(19		)	1,146			—		637
Balance at March 31, 2013	$	9,299		$	15,190		$	2,195		$	3,266		$	7,578		$	—	$	37,528

Management allocates the allowance for loan and leases losses by pools of risk within each loan portfolio. The allocation of the allowance for loan and lease losses by loan portfolio is made for analytical purposes and is not necessarily indicative of the trend of future loan and lease losses in any particular category. The total allowance for loan and lease losses is available to absorb losses from any segment of the loan portfolio.