text: **Table 8 — Loan Loss Experience and Allowance for Loan Losses (in thousands, except percentages):**
  
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              [html]<thead><tr><td></td><td>2002</td><td>2001</td><td>2000</td><td>1999</td><td>1998</td></tr></thead><tbody><tr><td>Balance at January 1,</td><td>$ 10.602</td><td>$</td><td>9.888</td><td>$</td><td>8.938</td></tr><tr><td>$</td><td>8.988</td><td>$ 10.632</td><td>Allowance established from purchase acquisitions</td><td>:</td><td>407</td></tr><tr><td></td><td>-</td><td>-</td><td>:</td><td>10.602</td><td>10.295</td></tr><tr><td>8.938</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>8.988</td><td>10.632</td><td>Charge - offs :</td><td>Commercial, financial and agricultural......................................</td><td>1.116</td><td>1.094</td></tr><tr><td>950</td><td>1.038</td><td>1.267</td><td>Consumer.....</td><td>1.471</td><td>1.498</td></tr><tr><td>1.998</td><td>2.747</td><td>2.786</td><td>All other</td><td>:</td><td>33</td></tr><tr><td>45</td><td>36</td><td>106</td><td>Total loans charged off</td><td>2.587</td><td>2.625</td></tr><tr><td>2.993</td><td></td><td></td><td></td><td></td><td></td></tr><tr><td>3.821</td><td>4.159</td><td>Recoveries :</td><td>Commercial, financial and agricultural...............................</td><td>288</td><td>269</td></tr><tr><td>391</td><td>632</td><td>532</td><td>Consumer</td><td>535</td><td>688</td></tr><tr><td>855</td><td>936</td><td>811</td><td>All other</td><td>11</td><td>_11</td></tr><tr><td>299</td><td>172</td><td>32</td><td>Total recoveries</td><td>. 83.9</td><td>Statistic</td></tr><tr><td>JL545</td><td>JLZ40</td><td>Jla375</td><td>Net charge - offs</td><td>1.753</td><td>1.657</td></tr><tr><td>1.448</td><td>2.081</td><td>2.784</td><td>Provision for loan losses</td><td>2.370</td><td>JL964</td></tr><tr><td>2.398</td><td>2.031</td><td>Jal40</td><td>Balance at December 31,</td><td>$ __ll, 219</td><td>$ __10.602</td></tr><tr><td>S</td><td>< underline > 9.888 </ underline ></td><td>S. __8.938</td><td>$ ___8.988</td><td>Loans at year - end</td><td>$ 964.040</td></tr><tr><td>$ 940.131</td><td>$ 859.271</td><td>$ 797.275</td><td>$ 779.544</td><td>Average loans...</td><td>942.101</td></tr><tr><td>897.616</td><td>817.603</td><td>779.283</td><td>770.183</td><td>Net charge - offs / average loans.............................................................................................................................................................................</td><td>0.19 %</td></tr><tr><td>0.18 %</td><td>0.18 %</td><td>0.27 %</td><td>0.36 %</td><td>Allowance for loan losses / year - end loans..................................................</td><td>1.16</td></tr><tr><td>1.13</td><td>1.15</td><td>1.12</td><td>1.15</td><td>Allowance for loan losses / nonperforming loans.........................</td><td>300.78</td></tr></tbody>
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