For the three months ended

September 30,

2020

2019

Balance - beginning of period

$

23,886

$

14,034

Utilization of reserve for loan losses

(3,601

)

(1,405

)

Provision (received by) charged to operations

(1,044

)

3,150

Balance - end of period

$

19,241

$

15,779

For the nine months ended

September 30,

2020

2019

Balance - beginning of year

$

16,521

$

14,312

Utilization of reserve for loan losses

(7,289

)

(5,338

)

Provision charged to operations

10,009

6,805

Balance - end of period

$

19,241

$

15,779