Home > South Central Bank of Bowling Green, Inc. > Net charge- offs to loans
South Central Bank of Bowling Green, Inc., Net charge- offs to loans
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0741% | 3,429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0572% | 2,904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,139 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0336% | 5,747 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1296% | 2,106 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2585% | 612 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0872% | 2,410 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2572% | 5,706 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0391% | 3,746 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0391% | 3,625 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.2956% | 255 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0960% | 2,848 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0798% | 2,343 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 983 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0364% | 5,819 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1764% | 1,646 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3514% | 489 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1197% | 1,921 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3046% | 5,801 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0781% | 3,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0781% | 3,101 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4115% | 240 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1421% | 2,251 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1209% | 1,865 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 833 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0367% | 5,879 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2565% | 1,240 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4838% | 374 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1843% | 1,473 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3987% | 5,934 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1171% | 2,816 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1171% | 2,661 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.3557% | 181 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2380% | 1,364 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2665% | 991 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0363% | 6,013 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5432% | 596 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0851% | 162 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3738% | 796 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5634% | 6,089 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0778% | 5,359 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0778% | 5,297 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3836% | 277 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2764% | 2,318 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2526% | 1,996 |
| Percentage Net Loans Charged-off:Construction & development | 1.5934% | 667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2655% | 1,871 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2789% | 926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2615% | 1,843 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1607% | 903 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1672% | 6,099 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1672% | 6,040 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6188% | 359 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3670% | 1,730 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3558% | 1,485 |
| Percentage Net Loans Charged-off:Construction & development | 2.1519% | 512 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3959% | 1,330 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3726% | 759 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4029% | 1,262 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5597% | 665 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2459% | 6,184 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2459% | 6,138 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4989% | 620 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3408% | 1,819 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3228% | 1,562 |
| Percentage Net Loans Charged-off:Construction & development | 2.8047% | 417 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2362% | 1,851 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4440% | 644 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1742% | 2,014 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3004% | 470 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4786% | 6,375 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4786% | 6,315 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3029% | 5,998 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5520% | 1,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6594% | 799 |
| Percentage Net Loans Charged-off:Construction & development | 5.3413% | 215 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5178% | 978 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2829% | 266 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2876% | 1,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1027% | 5,612 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.3109% | 6,685 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.3109% | 6,640 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5846% | 6,074 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1205% | 4,483 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1070% | 3,966 |
| Percentage Net Loans Charged-off:Construction & development | 0.0257% | 2,315 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0379% | 2,994 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0300% | 818 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1874% | 3,085 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1656% | 1,473 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1934% | 2,898 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3192% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2863% | 3,064 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2863% | 2,896 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1900% | 1,059 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1257% | 4,121 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1229% | 3,601 |
| Percentage Net Loans Charged-off:Construction & development | 0.0342% | 2,121 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0981% | 2,388 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0406% | 704 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1794% | 2,913 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2201% | 1,227 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1683% | 2,824 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4237% | 1,983 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0221% | 5,891 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0221% | 5,799 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1668% | 991 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0478% | 4,726 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0364% | 4,144 |
| Percentage Net Loans Charged-off:Construction & development | 0.0531% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0623% | 548 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0585% | 3,384 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0742% | 3,127 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6265% | 1,570 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1952% | 2,993 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1952% | 2,805 |
| Percentage Net Loans Charged-off: All other loans and lease | -1.0105% | 6,426 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0570% | 3,929 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0646% | 3,215 |
| Percentage Net Loans Charged-off:Construction & development | 0.1102% | 1,330 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1100% | 2,499 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1392% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1972% | 6,270 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5743% | 1,679 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5743% | 1,527 |
| Percentage Net Loans Charged-off: All other loans and lease | -2.0997% | 6,462 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5610% | 2,776 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3883% | 3,016 |
| Percentage Net Loans Charged-off:Construction & development | 0.0787% | 2,813 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2193% | 2,663 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6151% | 1,921 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6976% | 1,058 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5936% | 1,942 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2949% | 1,048 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9455% | 503 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.5786% | 499 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1515% | 544 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5223% | 2,663 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3931% | 2,755 |
| Percentage Net Loans Charged-off:Construction & development | 0.0974% | 2,518 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2933% | 2,092 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5861% | 1,820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9274% | 792 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4977% | 1,937 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1203% | 707 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4686% | 1,055 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2422% | 1,036 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1368% | 498 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5638% | 2,417 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4955% | 2,295 |
| Percentage Net Loans Charged-off:Construction & development | 0.1383% | 2,169 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4438% | 1,575 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7023% | 1,550 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3838% | 575 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5263% | 1,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.7232% | 563 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2728% | 3,086 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2195% | 3,011 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0832% | 1,113 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4038% | 2,485 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4006% | 2,113 |
| Percentage Net Loans Charged-off:Construction & development | 0.1077% | 1,610 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4501% | 1,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5240% | 1,510 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4003% | 451 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2974% | 1,846 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1864% | 2,026 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2594% | 1,120 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9333% | 1,131 |
| Percentage Net Loans Charged-off: All other loans and lease | -1.4420% | 6,505 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5726% | 3,333 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3416% | 3,535 |
| Percentage Net Loans Charged-off:Construction & development | 0.0669% | 3,297 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5257% | 1,988 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3753% | 2,693 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7425% | 1,055 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2797% | 2,973 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.1842% | 576 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5611% | 1,436 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.5903% | 477 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1122% | 5,418 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0879% | 4,617 |
| Percentage Net Loans Charged-off:Construction & development | 0.0902% | 2,953 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0200% | 3,082 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1373% | 3,521 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0160% | 1,687 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1690% | 3,184 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1362% | 3,838 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0163% | 5,031 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9168% | 522 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1427% | 4,798 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1311% | 3,922 |
| Percentage Net Loans Charged-off:Construction & development | 0.1304% | 2,544 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0291% | 2,519 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2071% | 2,767 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0239% | 1,393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2547% | 2,466 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2835% | 3,030 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0243% | 4,594 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0686% | 635 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0646% | 4,761 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0607% | 3,631 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0566% | 1,721 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0881% | 2,704 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0484% | 947 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0981% | 2,505 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1633% | 2,471 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0475% | 3,826 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2345% | 865 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0918% | 6,212 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0354% | 5,468 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0664% | 4,249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0822% | 3,927 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4480% | 3,856 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6307% | 3,679 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8450% | 1,053 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0682% | 6,007 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0119% | 5,315 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0220% | 4,218 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0273% | 3,915 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3487% | 3,480 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7492% | 3,026 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0525% | 5,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0179% | 4,647 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0330% | 3,550 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0407% | 3,240 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0576% | 7,181 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8194% | 2,662 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.9865% | 7,087 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0115% | 5,454 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0523% | 7,079 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2310% | 3,624 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0619% | 5,891 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0238% | 7,949 |
| Percentage Net Loans Charged-off:Construction & development | -0.4560% | 7,648 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0615% | 3,285 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0754% | 2,945 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9634% | 1,868 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5971% | 3,392 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0008% | 7,455 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0494% | 8,043 |
| Percentage Net Loans Charged-off:Construction & development | -0.7462% | 7,691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0831% | 2,476 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1017% | 2,174 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0716% | 7,309 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6935% | 2,607 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0355% | 7,803 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0747% | 8,116 |
| Percentage Net Loans Charged-off:Construction & development | -1.1022% | 7,715 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1259% | 1,771 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1541% | 1,514 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0541% | 7,184 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5072% | 2,853 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1088% | 8,046 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1478% | 8,231 |
| Percentage Net Loans Charged-off:Construction & development | -2.1424% | 7,695 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2573% | 937 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3140% | 754 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0526% | 7,133 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3928% | 2,763 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1738% | 2,906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1589% | 1,606 |
| Percentage Net Loans Charged-off:Construction & development | 0.7560% | 530 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0086% | 1,575 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0942% | 1,953 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1107% | 1,706 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,946 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6670% | 2,465 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0604% | 3,948 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0271% | 2,501 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0191% | 7,913 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0682% | 1,686 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0793% | 1,484 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0156% | 3,168 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6046% | 2,311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0686% | 3,271 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0563% | 1,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0154% | 793 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1061% | 1,150 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1216% | 993 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0684% | 7,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3838% | 2,829 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0224% | 7,334 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0252% | 7,989 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0558% | 8,116 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0620% | 8,103 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0458% | 7,070 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0432% | 3,711 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2084% | 1,933 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1500% | 965 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3832% | 440 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.3832% | 435 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0502% | 7,289 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3430% | 1,012 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1556% | 1,982 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0910% | 1,147 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2300% | 613 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2300% | 615 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0524% | 7,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3161% | 918 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0867% | 2,698 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0658% | 1,240 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1645% | 762 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1645% | 745 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0385% | 6,984 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5296% | 2,261 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1475% | 1,636 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1308% | 614 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3186% | 368 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.3186% | 361 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0375% | 6,942 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6222% | 1,888 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1484% | 2,906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0256% | 2,549 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0582% | 1,896 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0582% | 1,818 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0163% | 1,130 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9509% | 1,967 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0376% | 4,568 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0342% | 2,025 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0769% | 1,439 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0769% | 1,386 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0519% | 7,262 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1867% | 4,678 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0356% | 4,274 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0394% | 1,652 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0880% | 1,183 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0880% | 1,137 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0398% | 7,115 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0642% | 4,937 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0318% | 3,663 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0273% | 1,394 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0599% | 1,080 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0599% | 1,004 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0415% | 7,108 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1735% | 3,684 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0441% | 5,421 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0246% | 2,922 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0513% | 2,167 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0513% | 2,080 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1758% | 3,206 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1736% | 5,577 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0353% | 5,101 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0075% | 3,022 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0155% | 2,406 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0155% | 2,268 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2540% | 2,407 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1880% | 5,044 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0380% | 4,681 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0114% | 8,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0234% | 8,286 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0234% | 8,277 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3922% | 1,778 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3204% | 3,985 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0313% | 4,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4358% | 3,118 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3773% | 1,994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2282% | 989 |
| Percentage Net Loans Charged-off:Construction & development | 0.3517% | 378 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4326% | 526 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.4326% | 549 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9371% | 1,764 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3910% | 1,528 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4356% | 1,478 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2300% | 815 |
| Percentage Net Loans Charged-off:Construction & development | 0.4645% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4218% | 467 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.4218% | 486 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2049% | 1,229 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7342% | 982 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4212% | 1,472 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0575% | 1,766 |
| Percentage Net Loans Charged-off:Construction & development | 0.7246% | 194 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7490% | 854 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5008% | 564 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6077% | 907 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1190% | 978 |
| Percentage Net Loans Charged-off:Construction & development | 1.5256% | 89 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5713% | 482 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8789% | 524 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3518% | 2,381 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0808% | 2,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1725% | 1,167 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1725% | 1,175 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3154% | 916 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3574% | 5,061 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3002% | 2,683 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1133% | 1,524 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0190% | 1,299 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2181% | 879 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2181% | 863 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5466% | 1,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6227% | 3,581 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4894% | 1,328 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0298% | 6,716 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1474% | 4,238 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1283% | 4,941 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0840% | 6,132 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0211% | 7,951 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0200% | 8,054 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 9,922 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1339% | 8,271 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |