b'The following tables set forth as of December 31, 2018 and 2017 respectively, the balance of the allowance for loan losses by portfolio segment, disaggregated by impairment methodology, which is then further segregated by amounts evaluated for impairment collectively and individually.The allowance for loan losses allocated to each portfolio segment is not necessarily indicative of future losses in any particular portfolio segment and does not restrict the use of the allowance from absorbing losses in other portfolio segments. Allowance for Credit Losses and Recorded Investment in LoansDecember 31, 20181a1 & 1a2 1b 1c2a, 1c2b, 1c1, 1d 1e1 & 1e2 46b, 6c & 6d excess from reserve analysisalong with factor 10 reserveSecured by construction,Secured bySecured by land and landSecured byresidentialnonfarmCommercial andLoans to development farmland properties nonresidential industrial loans individuals Leases Unallocated TotalAllowance for credit losses:Beginning balance $ 652,723 $ -$1 ,759,491 $9 64,264 $95,015 $ 124,574 $ 2 82 $ 93,851 $ 3 ,690,200Charged off loans- -1 49,002 229,876- - 378,878Recoveries of previously charged off loans38,091 -2 6,446-3 9,81549,453 153,805Provision for (recovery of) loan losses( 309,422)-422,936 (232,786)8 ,862 2 24,8591 486,796201,259Ending balance $ 381,392 $ -$2 ,059,871 $ 731,478 $143,692 $ 169,010 $ 2 96 $ 180,647 $3,666,386Ending balance: individuallyevaluated for impairment $ 3 74 $- $11,965 $ 4 30 $ - $- $- $- $ 12,769Ending balance: collectivelyevaluated for impairment $3 81,018 $ -$ 2,047,906 $7 31,048 $ 1 43,692 $ 169,010 $ 2 96 $ 180,647 $ 3 ,653,617Loan receivables:Ending balance $25,821,298 $- $ 185,596,584 $ 7 1,738,044 $1 4,234,852 $5,449,741 $3 8,252 $- $302,878,771Ending balance: individuallyevaluated for impairment $7 1,944 $ -$ 2,497,173 $6 21,152 $70,423 $- $ -$- $3,260,692Ending balance: collectivelyevaluated for impairment $ 2 5,749,354 $ -$ 183,099,411 $ 7 1,116,892 $1 4,164,429 $5,449,741 $ 38,252 $- $299,618,07920'