The Bancorp’s activity in the allowance for loan losses, by loan segment, is summarized below for the years indicated.  29 Commercial Real Estate, Residential Construction Real Estate, & Land Including Development Commercial Commercial Home Consumer and Other Participations Business Equity Loans Dwellings Purchased Loans Government Total 2010 Allowance for Loan Losses Beginning Balance ...................... $ 536 $ 51 $ 813 $ 4,131 $ 583 $ – $ 6,114 Charge-offs .............................. (764) (35) (900) (987) (182) – (2,868) Recoveries ................................ 38 9 – 248 10 – 305 Provisions.................................. 1,184 5 2,860 1,312 209 –  5,570 Ending Balance ............................ $ 994 $ 30 $ 2,773 $ 4,704 $ 620 $ – $ 9,121 Ending balance: individually evaluated for impairment ............ $ 1 $ – $ 875 $ 1,897 $ 21 $ – $ 2,794 Ending balance: collectively evaluated for impairment ................$ 993 $ 30 $ 1,898 $ 2,807 $ 599 $ – $ 6,327 Ending balance: loans acquired with deteriorated credit quality $ – $ – $ – $ – $ – $ – $ – FINANCING RECEIVABLES Ending balance ............................ $ 152,881 $ 874 $ 163,616 $ 28,866 $ 61,726 $ 10,270 $ 418,233 Ending balance: individually evaluated for impairment ................$ 64 $ – $ 10,974 $ 14,493 $ 482 $ – $ 26,013 Ending balance: collectively evaluated for impairment ................$ 152,817 $ 874 $ 152,642 $ 14,373 $ 61,244 $ 10,270 $ 392,220 Ending balance: loans acquired  with deteriorated credit quality .... $ – $ – $ – $ – $ – $ – $ – 2009 Allowance for Loan Losses Beginning Balance........................ $ 394 $ 68 $ 2,081 $ 1,853 $ 1,434 $ – $ 5,830 Charge-offs .............................. (489) (11) (645) (7,133) (162) – (8,440) Recoveries ................................ 1 7 16 45 115 – 184 Provisions ................................ 630 (13) (639) 9,366 (804) – 8,540 Ending Balance ............................ $ 536 $ 51 $ 813 $ 4,131 $ 583 $ – $ 6,114 Ending balance: individually evaluated for impairment ............ $ – $ – $ 239 $ 908 $ 32 $ – $ 1,179 Ending balance: collectively evaluated for impairment ............ $ 536 $ 51 $ 574 $ 3,223 $ 551 $ – $ 4,935 Ending balance: loans acquired with deteriorated credit quality .... $ – $ – $ – $ – $ – $ – $ – FINANCING RECEIVABLES Ending balance ................................ $ 184,438 $ 1,593 $ 162,454 $ 32,277 $ 63,099 $ 14,384 $ 458,245 Ending balance: individually evaluated for impairment ............ $ 64 $ – $ 2,022 $ 11,872 $ 3,007 $ – $ 16,965 Ending balance: collectively evaluated for impairment ............ $ 184,374 $ 1,593 $ 160,432 $ 20,405 $ 60,092 $ 14,384 $ 441,280 Ending balance: loans acquired  with deteriorated credit quality .... $ – $ – $ – $ – $ – $ – $ – (Dollars in thousands)