The following tables provide information on the Company’s allowance for loan losses by loan class and allowance  methodology:  (Dollars in thousands) 78  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, 2010 395 $ 1,193 $ 1,571 $ 1,173 $ 397 $ 99 $ 139 $ 4,967 $ Charge-offs (110) (1,173) (434) (590) (1) - (132) (2,440) Recoveries 41 4 37 14 35 - 49 180 Net charge-offs (69) (1,169) (397) (576) 34 - (83) (2,260) Provsion for loan losses 234 904 617 148 2 31 64 2,000 Balance at December 31, 2011 560 928 1,791 745 433 130 120 4,707 Allowance for loan losses: Individually evaluated for loss 65 8 - 35 - 65 32 205 Collectively evaluated for loss 495 920 1,791 710 433 65 88 4,502 Total 560 928 1,791 745 433 130 120 4,707 Loan balances: Individually evaluated for loss 1,280 225 17 78 63 784 43 2,490 Collectively evaluated for loss 77,828 21,447 93,769 56,928 38,989 9,582 13,541 312,084 Total 79,108 $ 21,672 $ 93,786 $ 57,006 $ 39,052 $ 10,366 $ 13,584 $ 314,574 $ Year ended December 31, 2011 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, 2011 560 $ 928 $ 1,791 $ 745 $ 433 $ 130 $ 120 $ 4,707 $ Charge-offs (70) (1,749) - (70) - - (238) (2,127) Recoveries 20 4 - 12 39 - 26 101 Net charge-offs (50) (1,745) - (58) 39 - (212) (2,026) Provsion for loan losses 204 2,031 (478) 20 (105) (23) 251 1,900 Balance at December 31, 2012 714 1,214 1,313 707 367 107 159 4,581 Allowance for loan losses: Individually evaluated for loss 165 388 - 268 - 65 15 901 Collectively evaluated for loss 549 826 1,313 439 367 42 144 3,680 Total 714 1,214 1,313 707 367 107 159 4,581 Loan balances: Individually evaluated for loss 739 8,691 2,833 1,475 5 772 18 14,533 Collectively evaluated for loss 87,715 14,744 85,957 63,095 31,930 9,085 13,399 305,925 Total 88,454 $ 23,435 $ 88,790 $ 64,570 $ 31,935 $ 9,857 $ 13,417 $ 320,458 $ Year ended December 31, 2012