Home > Standard Bank and Trust Company > Net charge- offs to loans
Standard Bank and Trust Company, Net charge- offs to loans
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5934% | 389 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5968% | 159 |
| Percentage Net Loans Charged-off:Construction & development | 3.4802% | 40 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3374% | 429 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0419% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1590% | 963 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1053% | 546 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1768% | 860 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6132% | 916 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1706% | 2,894 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1706% | 2,743 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3114% | 823 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0107% | 1,179 |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6016% | 345 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5301% | 179 |
| Percentage Net Loans Charged-off:Construction & development | 4.5527% | 26 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0781% | 727 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0528% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1088% | 1,159 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1471% | 418 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0981% | 1,180 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8286% | 590 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3371% | 2,002 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3371% | 1,863 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2534% | 742 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0182% | 1,169 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8644% | 227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7286% | 129 |
| Percentage Net Loans Charged-off:Construction & development | 6.6348% | 29 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0476% | 713 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0732% | 102 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1225% | 1,025 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2626% | 278 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0824% | 1,207 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3096% | 371 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1675% | 2,421 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1675% | 2,265 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1345% | 793 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0279% | 1,166 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9809% | 195 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3751% | 56 |
| Percentage Net Loans Charged-off:Construction & development | 12.7621% | 12 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0224% | 535 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1330% | 57 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1660% | 707 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4957% | 159 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0685% | 1,032 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0302% | 4,559 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,488 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,340 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1842% | 590 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0557% | 1,153 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4488% | 613 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4747% | 322 |
| Percentage Net Loans Charged-off:Construction & development | 1.1834% | 226 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2097% | 748 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3651% | 145 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2876% | 87 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3365% | 96 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2654% | 94 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3136% | 1,280 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.7589% | 29 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 10.7589% | 23 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3461% | 690 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.3300% | 28 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5439% | 425 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6252% | 211 |
| Percentage Net Loans Charged-off:Construction & development | 2.1097% | 152 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2873% | 522 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0562% | 190 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5424% | 62 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6073% | 79 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5104% | 68 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2152% | 1,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 13.7521% | 20 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 13.7521% | 16 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4253% | 581 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5018% | 495 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5438% | 286 |
| Percentage Net Loans Charged-off:Construction & development | 3.3763% | 93 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0900% | 801 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0837% | 144 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1826% | 116 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9676% | 70 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7721% | 233 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2757% | 984 |
| Percentage Net Loans Charged-off: Loans to individuals | 18.8675% | 11 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 18.8675% | 12 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0674% | 912 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7151% | 329 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9298% | 141 |
| Percentage Net Loans Charged-off:Construction & development | 5.8986% | 52 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2311% | 400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7633% | 76 |
| Percentage Net Loans Charged-off: Home equity loans | 2.9506% | 44 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1168% | 160 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1057% | 907 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,512 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,382 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0928% | 681 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0190% | 291 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1784% | 155 |
| Percentage Net Loans Charged-off:Construction & development | 6.2998% | 79 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6348% | 547 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0790% | 163 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5468% | 592 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0069% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2684% | 1,254 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4872% | 1,222 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1112% | 3,331 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1112% | 3,193 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1752% | 931 |
| 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 | 0.1594% | 2,210 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1902% | 1,421 |
| Percentage Net Loans Charged-off:Construction & development | -1.7717% | 5,854 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5143% | 591 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2425% | 1,290 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0385% | 967 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3676% | 879 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0268% | 2,223 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,617 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,473 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2180% | 782 |
| 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 | 0.5052% | 804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6310% | 465 |
| Percentage Net Loans Charged-off:Construction & development | 0.8717% | 396 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7616% | 412 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3526% | 954 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0591% | 782 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5377% | 640 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0077% | 4,551 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,292 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,146 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2286% | 683 |
| 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 | -0.0621% | 5,912 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0707% | 6,119 |
| Percentage Net Loans Charged-off:Construction & development | -0.8703% | 5,831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0117% | 1,003 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0671% | 1,754 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0045% | 4,393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1138% | 1,435 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0367% | 4,956 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0902% | 5,409 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0902% | 5,349 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0793% | 754 |
| 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 | 1.6966% | 256 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9582% | 159 |
| Percentage Net Loans Charged-off:Construction & development | 5.5697% | 231 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9236% | 265 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3312% | 246 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4739% | 1,173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3358% | 842 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5764% | 961 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5170% | 1,518 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1457% | 1,006 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1457% | 903 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1879% | 929 |
| 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 | 1.4286% | 338 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7056% | 204 |
| Percentage Net Loans Charged-off:Construction & development | 6.1509% | 199 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4026% | 394 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9183% | 167 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4403% | 1,207 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2736% | 871 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5673% | 918 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0874% | 2,306 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5555% | 638 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5555% | 582 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1683% | 904 |
| 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 | 1.1944% | 485 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4064% | 320 |
| Percentage Net Loans Charged-off:Construction & development | 0.8764% | 751 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6825% | 324 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.8105% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5902% | 942 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4074% | 683 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7326% | 739 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1310% | 1,894 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3332% | 406 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.3332% | 373 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1468% | 844 |
| 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 | 1.9937% | 237 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4000% | 149 |
| Percentage Net Loans Charged-off:Construction & development | 0.8183% | 592 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.9443% | 178 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.5805% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8983% | 595 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8130% | 374 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9669% | 543 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0103% | 4,885 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0287% | 905 |
| 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 | 0.7159% | 1,646 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5610% | 1,778 |
| Percentage Net Loans Charged-off:Construction & development | 2.2857% | 1,014 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0768% | 2,785 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7781% | 500 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2272% | 696 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5583% | 967 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8082% | 436 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8556% | 902 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0441% | 4,310 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0441% | 4,151 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4742% | 792 |
| 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 | 0.5544% | 1,943 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6340% | 1,559 |
| Percentage Net Loans Charged-off:Construction & development | 3.9536% | 653 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0063% | 6,432 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1978% | 610 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0608% | 835 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2649% | 1,176 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7574% | 436 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0220% | 5,572 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0575% | 3,948 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0575% | 3,767 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5478% | 670 |
| 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 | 0.4836% | 2,139 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5456% | 1,751 |
| Percentage Net Loans Charged-off:Construction & development | 2.1624% | 921 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0078% | 6,470 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2929% | 468 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5229% | 553 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3272% | 984 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5768% | 280 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0287% | 5,594 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0405% | 3,667 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0405% | 3,486 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7663% | 518 |
| 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 | 0.2800% | 2,547 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2489% | 2,315 |
| Percentage Net Loans Charged-off:Construction & development | 0.7188% | 1,048 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0220% | 1,659 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0115% | 383 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7787% | 1,074 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4611% | 577 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3805% | 1,390 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0757% | 5,773 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0757% | 5,694 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2599% | 346 |
| 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 | 2.6512% | 416 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5921% | 414 |
| Percentage Net Loans Charged-off:Construction & development | 6.6935% | 727 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8787% | 623 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.0865% | 219 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5062% | 803 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5042% | 1,228 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4805% | 429 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.7614% | 624 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0267% | 6,372 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0262% | 6,313 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1180% | 1,288 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 2.3751% | 68 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5916% | 889 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3360% | 1,056 |
| Percentage Net Loans Charged-off:Construction & development | 4.0495% | 1,031 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8155% | 1,232 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3017% | 476 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2155% | 955 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7797% | 881 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6503% | 682 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4108% | 471 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0543% | 6,370 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0533% | 6,322 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1471% | 1,117 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 3.1693% | 51 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0581% | 642 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6372% | 840 |
| Percentage Net Loans Charged-off:Construction & development | 4.7125% | 855 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9957% | 997 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9602% | 334 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4211% | 817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3624% | 1,099 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4948% | 398 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.5984% | 282 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3538% | 2,856 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3459% | 2,575 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0116% | 5,945 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 4.7605% | 37 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9033% | 674 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9921% | 576 |
| Percentage Net Loans Charged-off:Construction & development | 7.7187% | 440 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7514% | 915 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0299% | 226 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4237% | 729 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2835% | 852 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5740% | 376 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4071% | 1,050 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1551% | 2,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1499% | 2,735 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0736% | 6,144 |
| 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 | 4.4088% | 255 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.8137% | 186 |
| Percentage Net Loans Charged-off:Construction & development | 9.0323% | 681 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.6924% | 254 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.3844% | 182 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8483% | 728 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6623% | 352 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0459% | 1,310 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5666% | 1,945 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4072% | 3,734 |
| 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 | 0.6548% | 967 |
| 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 | 1.5385% | 1,305 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6886% | 1,043 |
| Percentage Net Loans Charged-off:Construction & development | 4.2656% | 1,278 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5022% | 1,746 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.8172% | 261 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7231% | 708 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1840% | 282 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2847% | 2,678 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3917% | 3,153 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2437% | 7,224 |
| 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 | 0.7106% | 858 |
| 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 | 1.6041% | 1,183 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7638% | 970 |
| Percentage Net Loans Charged-off:Construction & development | 5.2598% | 962 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6349% | 1,326 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0062% | 706 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3305% | 904 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5567% | 352 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1068% | 3,154 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5350% | 2,599 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3447% | 7,262 |
| 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 | 0.2815% | 1,022 |
| 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 | 1.4046% | 1,228 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5925% | 924 |
| Percentage Net Loans Charged-off:Construction & development | 3.4432% | 975 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7911% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0129% | 450 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1608% | 518 |
| Percentage Net Loans Charged-off: Home equity loans | 4.2738% | 189 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0621% | 2,664 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0026% | 2,836 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7127% | 7,438 |
| 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 | 0.1555% | 937 |
| 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 | 0.6346% | 3,297 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6829% | 2,464 |
| Percentage Net Loans Charged-off:Construction & development | 1.8526% | 2,152 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0823% | 2,952 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9006% | 1,398 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4881% | 640 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4198% | 2,215 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1610% | 4,601 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4552% | 4,226 |
| 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 | 0.6112% | 1,191 |
| 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 | 0.2785% | 4,293 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3307% | 2,992 |
| Percentage Net Loans Charged-off:Construction & development | 0.9979% | 2,161 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0104% | 2,756 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3247% | 2,294 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6611% | 901 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0626% | 3,597 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3216% | 7,502 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5765% | 3,488 |
| 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 | 0.4950% | 1,112 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2618% | 3,880 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3170% | 2,631 |
| Percentage Net Loans Charged-off:Construction & development | 0.9435% | 1,808 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0055% | 7,661 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3222% | 2,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7198% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0401% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2783% | 7,508 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0621% | 5,003 |
| 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 | 0.3909% | 1,043 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3182% | 2,827 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3495% | 1,937 |
| Percentage Net Loans Charged-off:Construction & development | 1.1889% | 1,164 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0225% | 7,765 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0667% | 2,381 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1143% | 1,980 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0247% | 6,916 |
| 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 | 0.6828% | 688 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2652% | 3,633 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1920% | 2,927 |
| Percentage Net Loans Charged-off:Construction & development | 0.3619% | 2,172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1279% | 1,642 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0472% | 3,477 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0794% | 2,904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1790% | 3,668 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3623% | 338 |
| 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 | 2.2689% | 502 |
| 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 | 0.0470% | 5,320 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0242% | 4,009 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0546% | 1,428 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0011% | 7,656 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0018% | 7,647 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0188% | 3,771 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0972% | 5,013 |
| 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 | 1.3112% | 570 |
| 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 | 0.0493% | 4,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0368% | 3,125 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0839% | 986 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0008% | 7,638 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0014% | 7,639 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0197% | 3,056 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1632% | 4,211 |
| 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 | 0.7097% | 685 |
| 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 | 0.0618% | 3,569 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0501% | 2,116 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1160% | 568 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0017% | 7,680 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 7,690 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0246% | 6,913 |
| 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 | 0.9147% | 507 |
| 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 | 0.1095% | 3,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0382% | 3,072 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2260% | 1,145 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3856% | 692 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6560% | 1,597 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0327% | 7,518 |
| 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 | 0.8918% | 662 |
| 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 | 0.0194% | 5,135 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0055% | 3,182 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0323% | 2,130 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0558% | 1,702 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0242% | 3,089 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0356% | 7,291 |
| 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 | 0.8660% | 581 |
| 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 | 0.0168% | 4,672 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0027% | 2,647 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0153% | 1,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0271% | 1,640 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0357% | 2,503 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0352% | 7,068 |
| 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 | 0.7641% | 587 |
| 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 | 0.0154% | 3,897 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0054% | 1,768 |
| 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 | 0.0305% | 1,236 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0548% | 1,002 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0428% | 6,829 |
| 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 | 0.8603% | 434 |
| 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 | 0.0799% | 3,670 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0291% | 2,445 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0041% | 1,275 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1165% | 6,265 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1585% | 1,017 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0009% | 704 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3110% | 536 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3451% | 1,988 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,719 |
| 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 | 0.7561% | 657 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0066% | 7,392 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0030% | 7,604 |
| 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 | -0.1478% | 6,258 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0076% | 2,287 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0012% | 5,949 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0164% | 1,983 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0815% | 7,370 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0357% | 7,258 |
| 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 | 0.5935% | 644 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0122% | 7,335 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| 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 | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1269% | 7,481 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0157% | 6,986 |
| 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 | 0.5435% | 606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0094% | 3,990 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| 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 | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0488% | 6,834 |
| 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 | 1.1249% | 393 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0911% | 3,818 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0403% | 2,158 |
| 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 | 0.4134% | 99 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0519% | 1,985 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0816% | 455 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0158% | 2,496 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2046% | 2,753 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1060% | 5,652 |
| 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 | 2.9027% | 271 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0259% | 4,995 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0001% | 7,430 |
| 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 | -0.0006% | 7,727 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0014% | 7,745 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1081% | 2,736 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1078% | 5,148 |
| 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 | 0.1160% | 1,088 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0064% | 5,354 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0032% | 2,447 |
| 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 | 0.0135% | 1,957 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0304% | 1,603 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0079% | 2,830 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0526% | 5,010 |
| 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 | 0.0837% | 984 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0148% | 4,187 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0078% | 1,659 |
| 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 | 0.0335% | 1,245 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0749% | 937 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0056% | 1,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2067% | 3,559 |
| 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 | 0.0556% | 777 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0971% | 4,253 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0705% | 1,983 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0560% | 1,168 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5360% | 89 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0299% | 2,533 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0041% | 642 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0556% | 2,027 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2067% | 3,073 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0758% | 6,163 |
| 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 | 0.2382% | 1,066 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0139% | 5,864 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0043% | 3,164 |
| 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 | 0.0172% | 2,375 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0042% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0294% | 2,032 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0493% | 3,304 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0577% | 7,927 |
| 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 | 0.4817% | 731 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0070% | 5,740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0063% | 2,598 |
| 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 | 0.0251% | 1,884 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0479% | 1,546 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0415% | 7,693 |
| 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 | 0.4394% | 667 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0008% | 6,896 |
| 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 | 0.0000% | 291 |
| 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 | -0.0324% | 7,355 |
| 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 | 0.0422% | 832 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2385% | 3,005 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0867% | 2,001 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| 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 | 0.3251% | 724 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5479% | 438 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9512% | 1,740 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0655% | 6,652 |
| 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 | 0.1005% | 1,535 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0019% | 7,968 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0066% | 3,197 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| 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 | 0.0245% | 2,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0404% | 2,013 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0549% | 7,737 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0613% | 6,248 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0854% | 4,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0019% | 2,887 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| 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 | 0.0072% | 2,282 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0117% | 2,095 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4571% | 2,044 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1387% | 5,328 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1767% | 2,528 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0043% | 1,981 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| 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 | 0.0163% | 1,484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0264% | 1,329 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0214% | 1,005 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1073% | 4,664 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0046% | 7,468 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 8,048 |
| 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 | -0.0013% | 8,265 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0017% | 8,278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0167% | 4,797 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1303% | 6,432 |
| 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 | -0.0730% | 7,705 |
| 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 | 0.0035% | 7,638 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0020% | 3,906 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0055% | 3,122 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0130% | 5,955 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0092% | 2,838 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0186% | 7,193 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0269% | 1,777 |
| 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 | -0.0305% | 9,153 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0098% | 1,365 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0230% | 1,361 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0011% | 1,305 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0216% | 1,321 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0025% | 809 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2104% | 1,435 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0141% | 1,344 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1225% | 191 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3044% | 203 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.7888% | 10,141 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0023% | 969 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0052% | 919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0430% | 303 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0014% | 1,315 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0110% | 1,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0991% | 1,271 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5727% | 879 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -46.0035% | 1,369 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0183% | 7,408 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0145% | 767 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0096% | 420 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0233% | 662 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1100% | 217 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0076% | 773 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0307% | 896 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0418% | 1,286 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7825% | 863 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0436% | 362 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3240% | 2,550 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4110% | 67 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2247% | 33 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0078% | 1,314 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0095% | 1,320 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0301% | 1,196 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0252% | 1,298 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1381% | 5,031 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0088% | 912 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0164% | 508 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0065% | 942 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0078% | 871 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8156% | 227 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2022% | 1,187 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0294% | 394 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1651% | 4,400 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1748% | 356 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2234% | 366 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2663% | 193 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1815% | 236 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7264% | 51 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0574% | 485 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1721% | 548 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0511% | 1,303 |
| Percentage Net Loans Charged-off: Credit card loans | 8.5653% | 41 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0149% | 402 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4147% | 439 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0457% | 1,366 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0948% | 1,458 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1167% | 1,464 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3235% | 435 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2319% | 978 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 49.1832% | 2 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0466% | 11,671 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0460% | 1,451 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1233% | 657 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1738% | 1,511 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2139% | 1,506 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1243% | 1,246 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0169% | 1,297 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0740% | 343 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0650% | 12,806 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1055% | 1,558 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0679% | 1,498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1584% | 1,557 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1871% | 1,559 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0261% | 1,346 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0472% | 1,369 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2413% | 282 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |