Note 5.Allowance for Loan and Lease Losses

The following tables present the detail of the allowance and the loan portfolio disaggregated by loan portfolio classification as of December 31, 2016 and December 31, 2015.

Allowance for Loan and Lease Losses and Loans Held for Investment

For the year ended December 31, 2016


			Construction
	Commercial		and land		Commercial		Multi-		Residential				Tax
(In thousands)	real estate		development		and industrial		family		real estate		Leases		certificates		Consumer		Unallocated		Total
Beginning balance	$	3,622	$	1,674	$	1,513	$	171	$	586	$	1,749	$	347	$	27	$	—	$	9,689
Charge-offs		(84)		—		(107)		—		(40)		(930)		(139)		—		—		(1,300)
Recoveries		201		306		174		—		35		57		14		2		—		789
(Credit) provision		(444)		314		(234)		92		75		1,419		20		—		—		1,242
Ending balance	$	3,295	$	2,294	$	1,346	$	263	$	656	$	2,295	$	242	$	29	$	—	$	10,420
Ending balance: related to loans individually evaluated for impairment	$	3	$	—	$	—	$	—	$	17	$	340	$	8	$	—	$	—	$	368
Ending balance: related to loans collectively evaluated for impairment	$	3,292	$	2,294	$	1,346	$	263	$	639	$	1,955	$	234	$	29	$	—	$	10,052
LHFI
Ending balance	$	261,561	$	83,369	$	108,146	$	23,389	$	56,899	$	61,838	$	3,705	$	3,102	$	—	$	602,009
Ending balance: individually evaluated for impairment	$	904	$	144	$	2,105	$	—	$	653	$	1,242	$	1,907	$	—	$	—	$	6,955
Ending balance: collectively evaluated for impairment	$	260,657	$	83,225	$	106,041	$	23,389	$	56,246	$	60,596	$	1,798	$	3,102	$	—	$	595,054

Allowance for Loan and Lease Losses and Loans Held for Investment

For the year ended December 31, 2015


			Construction
	Commercial		and land		Commercial		Multi-		Residential				Tax
(In thousands)	real estate		development		and industrial		family		real estate		Leases		certificates		Consumer		Unallocated		Total
Beginning balance	$	4,452	$	2,292	$	1,780	$	285	$	616	$	1,429	$	667	$	38	$	149	$	11,708
Charge-offs		(622)		(264)		(566)		—		—		(612)		(471)		—		—		(2,535)
Recoveries		380		503		282		—		20		26		53		—		—		1,264
(Credit) provision		(588)		(857)		17		(114)		(50)		906		98		(11)		(149)		(748)
Ending balance	$	3,622	$	1,674	$	1,513	$	171	$	586	$	1,749	$	347	$	27	$	—	$	9,689
Ending balance: related to loans individually evaluated for impairment	$	77	$	—	$	100	$	—	$	27	$	194	$	—	$	—	$	—	$	398
Ending balance: related to loans collectively evaluated for impairment	$	3,545	$	1,674	$	1,413	$	171	$	559	$	1,555	$	347	$	27	$	—	$	9,291
Loan Balances
Ending balance	$	225,679	$	47,984	$	85,980	$	16,249	$	51,588	$	64,341	$	4,755	$	2,527	$	—	$	499,103
Ending balance: individually evaluated for impairment	$	1,469	$	145	$	2,687	$	—	$	889	$	876	$	1,125	$	—	$	—	$	7,191
Ending balance: collectively evaluated for impairment	$	224,210	$	47,839	$	83,293	$	16,249	$	50,699	$	63,465	$	3,630	$	2,527	$	—	$	491,912

The following tables detail the LHFI that were evaluated for impairment by loan classification at December 31, 2016 and December 31, 2015.


	At and for the year ended December 31, 2016
	Unpaid						Average		Interest		Interest income
	principal		Recorded		Related		recorded		income		recognized
(In thousands)	balance		investment		allowance		investment		recognized		cash basis
With no related allowance recorded:
Commercial real estate	$	362	$	362	$	—	$	923	$	—	$	—
Construction and land development		546		144		—		145		—		—
Commercial and industrial		2,209		2,105		—		2,296		107		—
Residential real estate		133		83		—		45		4		—
Tax certificates		2,165		1,752		—		1,019		—		—
Total:	$	5,415	$	4,446	$	—	$	4,428	$	111	$	—

With an allowance recorded:
Commercial real estate	$	936	$	542	$	3	$	168	$	—	$	—
Commercial and industrial		—		—		—		17		—		—
Residential real estate		668		570		17		695		—		—
Leases		1,242		1,242		340		910		—		—
Tax certificates		4,202		155		8		26		—		—
Total:	$	7,048	$	2,509	$	368	$	1,816	$	—	$	—


	At and for the year ended December 31, 2015
	Unpaid						Average		Interest		Interest income
	principal		Recorded		Related		recorded		income		recognized
(In thousands)	balance		investment		allowance		investment		recognized		cash basis
With no related allowance recorded:
Commercial real estate	$	1,323	$	931	$	—	$	4,144	$	101	$	233
Construction and land development		546		145		—		376		—		—
Commercial and industrial		2,662		2,576		—		4,314		178		1
Tax certificates		5,666		1,125		—		904		—		—
Total:	$	10,197	$	4,777	$	—	$	9,738	$	279	$	234

With an allowance recorded:
Commercial real estate	$	926	$	538	$	77	$	334	$	—	$	—
Construction and land development		—		—		—		90		—		—
Commercial and industrial		2,500		111		100		172		—		—
Residential real estate		1,033		889		27		938		—		—
Leases		876		876		194		243		—		—
Tax certificates		—		—		—		188		—		—
Total:	$	5,335	$	2,414	$	398	$	1,965	$	—	$	—