ed for the three and nine months ended March 00, 0000 and 0000. For the three months ended March 00, 0000 First Mortgage Loans 0 - 0 Family Construction Land Acquisition & Development Multi- family Commercial Consumer Loans Commercial Loans Total (Dollars in Thousands) Beginning ALLL Balance at December 00, 0000 $ 000 $ 00 $ 0 $ 00 $ 00 $ 00 $ 0 $ 000 Charge-offs - - - - - - - - Recoveries - - - - - - - - Provisions (0 ) (0