79  One-to-four  family  residential  real estate Construction  and land Commercial  real estate Commercial  loans Agriculture  loans Municipal  loans Consumer  loans Total Allowance for loan losses: Balance at December 31, 2009 625 $ 1,326 $ 705 $ 623 $ 2,103 $ - $ 86 $ 5,468 $ Charge-offs (387) (3,474) (96) (8) (2,327) - (178) (6,470) Recoveries 10 - - 17 10 - 32 69 Net charge-offs (377) (3,474) (96) 9 (2,317) - (146) (6,401) Provsion for loan losses 147 3,341 962 541 611 99 199 5,900 Balance at December 31, 2010 395 1,193 1,571 1,173 397 99 139 4,967 Allowance for loan losses: Individually evaluated for loss 99 382 397 503 - 65 - 1,446 Collectively evaluated for loss 296 811 1,174 670 397 34 139 3,521 Total 395 1,193 1,571 1,173 397 99 139 4,967 Loan balances: Individually evaluated for loss 1,054 1,229 1,390 733 65 759 118 5,348 Collectively evaluated for loss 78,577 22,423 90,734 56,553 38,771 4,634 14,267 305,959 Total 79,631 $ 23,652 $ 92,124 $ 57,286 $ 38,836 $ 5,393 $ 14,385 $ 311,307 $ Year ended December 31, 2010