CASH 2018 Annual Report

128 NOTE 3. LOANS AND LEASES RECEIVABLE, NET Loans and Leases Year-end loans and leases receivable were as follows: September 30, 2018 September 30, 2017 (Dollars in Thousands) National Lending Commercial finance $ 1,509,849 $ 255,308 Consumer finance 335,361 140,229 Tax services 1,073 192 Total National Lending 1,846,283 395,729 Community Banking Commercial and multi-family real estate 748,579 585,510 1-4 family real estate 223,482 196,706 Agricultural 60,498 95,394 Commercial operating 42,311 30,718 Consumer 23,836 22,775 Total Community Banking 1,098,706 931,103 Total gross loans and leases receivable 2,944,989 1,326,832 Allowance for loan and lease losses (13,040) (7,534) Net deferred loan origination fees (250) (1,461) Total loans and leases receivable, net $ 2,931,699 $ 1,317,837 Annual activity in the allowance for loan and lease losses was as follows: Year ended September 30, 2018 2017 2016 (Dollars in Thousands) Beginning balance $ 7,534 $ 5,635 $ 6,255 Provision for loan and lease losses 29,433 10,589 4,605 Recoveries 2,037 307 147 Charge offs (25,964) (8,997) (5,372) Ending balance $ 13,040 $ 7,534 $ 5,635