Home > The Merchants Bank and Trust Company > Net charge- offs to loans
The Merchants Bank and Trust Company, Net charge- offs to loans
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2765% | 1,420 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3171% | 929 |
| Percentage Net Loans Charged-off:Construction & development | 0.1760% | 729 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7872% | 397 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0323% | 2,836 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0425% | 2,582 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0172% | 2,280 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1524% | 2,858 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1524% | 2,711 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| 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 | 0.1386% | 2,282 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1771% | 1,477 |
| Percentage Net Loans Charged-off:Construction & development | 0.2425% | 606 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3529% | 723 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0708% | 2,225 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0929% | 1,977 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1280% | 5,456 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4542% | 1,623 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4542% | 1,494 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| 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 | 0.0543% | 2,620 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0251% | 2,238 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0828% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0319% | 164 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0257% | 5,863 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0338% | 5,951 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2639% | 846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,715 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,584 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| 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 | 0.5961% | 1,104 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6768% | 804 |
| Percentage Net Loans Charged-off:Construction & development | 1.0758% | 799 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6775% | 829 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9809% | 285 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4972% | 1,135 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1401% | 333 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3073% | 1,636 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1265% | 5,731 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0996% | 463 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0996% | 419 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| 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 | 0.7169% | 831 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8083% | 614 |
| Percentage Net Loans Charged-off:Construction & development | 1.4808% | 648 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9089% | 609 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7093% | 273 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6499% | 818 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5150% | 254 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3977% | 1,274 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1575% | 5,827 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3329% | 375 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.3329% | 348 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| 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 | 1.0089% | 602 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1479% | 428 |
| Percentage Net Loans Charged-off:Construction & development | 1.9865% | 516 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2779% | 435 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0726% | 198 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9373% | 567 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2590% | 174 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5564% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2489% | 6,013 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9597% | 1,076 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9597% | 973 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| 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 | 0.5983% | 1,019 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6583% | 801 |
| Percentage Net Loans Charged-off:Construction & development | 2.2027% | 399 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3930% | 141 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6705% | 788 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6229% | 434 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6838% | 752 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,678 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1577% | 894 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1577% | 804 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| 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 | 0.7397% | 1,589 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3587% | 2,452 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,360 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1994% | 6,776 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4703% | 575 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7015% | 1,319 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2605% | 1,318 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8260% | 1,099 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7513% | 288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8402% | 1,607 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8402% | 1,485 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.9699% | 1,453 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4303% | 2,377 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4369% | 2,081 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2860% | 6,881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4014% | 532 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9025% | 987 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2637% | 1,178 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0846% | 811 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3875% | 2,052 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6946% | 1,723 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6946% | 1,586 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -1.3153% | 1,443 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6460% | 1,702 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6581% | 1,500 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4370% | 6,982 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4690% | 419 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3882% | 616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3954% | 933 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6721% | 488 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5993% | 1,598 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4168% | 2,265 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4168% | 2,084 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -1.9802% | 1,414 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4033% | 2,092 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4525% | 1,699 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.8792% | 7,083 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7223% | 267 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0971% | 796 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7934% | 572 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1846% | 726 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1177% | 6,052 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8286% | 1,314 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8286% | 1,182 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -4.1558% | 1,376 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4867% | 3,048 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6312% | 2,317 |
| Percentage Net Loans Charged-off:Construction & development | 2.1174% | 1,655 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1498% | 2,913 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3543% | 800 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7443% | 1,645 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4727% | 1,264 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8300% | 1,456 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.4986% | 6,959 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.1348% | 239 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.6625% | 234 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -9.1463% | 1,428 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3880% | 3,175 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5700% | 2,219 |
| Percentage Net Loans Charged-off:Construction & development | 2.2731% | 1,440 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1636% | 2,463 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1248% | 772 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6622% | 1,666 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6242% | 983 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6744% | 1,598 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.8907% | 7,044 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5715% | 375 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.1657% | 373 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -11.5870% | 1,406 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1736% | 4,129 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3758% | 2,650 |
| Percentage Net Loans Charged-off:Construction & development | 1.0021% | 1,679 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1479% | 2,167 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1869% | 602 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4646% | 2,002 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9552% | 734 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3045% | 2,313 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.4878% | 7,140 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4855% | 243 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.6663% | 227 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -13.4839% | 1,378 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6894% | 1,835 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5549% | 1,776 |
| Percentage Net Loans Charged-off:Construction & development | 1.9480% | 996 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3553% | 366 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7118% | 1,240 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0490% | 348 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2632% | 1,933 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1522% | 788 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8599% | 1,522 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6828% | 1,457 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| 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 | 0.6755% | 2,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8382% | 2,182 |
| Percentage Net Loans Charged-off:Construction & development | 0.2951% | 3,030 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5475% | 854 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0989% | 1,030 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7381% | 1,760 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9408% | 907 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6669% | 1,852 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0048% | 7,258 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6020% | 3,099 |
| 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% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -254.7170% | 1,554 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8022% | 2,442 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0071% | 1,750 |
| Percentage Net Loans Charged-off:Construction & development | 0.3916% | 2,656 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0088% | 591 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8152% | 1,480 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2895% | 671 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6467% | 1,716 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3183% | 7,354 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6148% | 2,811 |
| 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% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -351.7589% | 1,551 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1313% | 1,673 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3876% | 1,209 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.9861% | 343 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0795% | 1,108 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4591% | 553 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9442% | 1,197 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5099% | 7,409 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4594% | 3,047 |
| 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% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -487.3575% | 1,505 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5354% | 2,463 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0202% | 1,352 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2308% | 663 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4274% | 768 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6391% | 436 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3502% | 799 |
| Percentage Net Loans Charged-off: Commercial and industrial | -4.6210% | 7,555 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2959% | 7,104 |
| 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% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -897.5610% | 1,488 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0349% | 2,346 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5013% | 2,905 |
| Percentage Net Loans Charged-off:Construction & development | 2.4135% | 1,920 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3824% | 720 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4707% | 2,159 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6846% | 1,060 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4042% | 2,267 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.4428% | 520 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8454% | 3,068 |
| 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 | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 105.7365% | 27 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9235% | 2,122 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3601% | 2,887 |
| Percentage Net Loans Charged-off:Construction & development | 2.2169% | 1,649 |
| 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 | 0.3192% | 2,317 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0216% | 5,813 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4220% | 1,891 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.4812% | 424 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9345% | 2,576 |
| 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 | 63.6526% | 31 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2938% | 3,719 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3273% | 2,597 |
| Percentage Net Loans Charged-off:Construction & development | 2.1232% | 1,397 |
| 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 | 0.2504% | 2,264 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0329% | 5,854 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3331% | 1,855 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0338% | 3,830 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1405% | 7,418 |
| 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% | 1,633 |
| 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 | 0.5358% | 2,111 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5955% | 1,466 |
| Percentage Net Loans Charged-off:Construction & development | 3.8991% | 668 |
| 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 | 0.3822% | 1,441 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0679% | 5,869 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5085% | 1,152 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0877% | 2,570 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2777% | 7,470 |
| 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 | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4577% | 2,540 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0714% | 4,043 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.9452% | 8,064 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6738% | 934 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9691% | 469 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6064% | 973 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8389% | 526 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3484% | 4,318 |
| 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 | 0.4949% | 1,699 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0293% | 7,974 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.2333% | 8,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6398% | 735 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3613% | 653 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7020% | 627 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.0127% | 268 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1506% | 4,726 |
| 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 | 0.5320% | 1,322 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2680% | 8,273 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.8495% | 8,184 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5021% | 775 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6125% | 611 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.3318% | 144 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5349% | 7,987 |
| 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 | 0.4698% | 1,109 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.5065% | 8,332 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | -3.6050% | 8,222 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0079% | 324 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2265% | 233 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.4934% | 105 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6054% | 7,939 |
| 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 | 0.0353% | 5,365 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0769% | 2,432 |
| Percentage Net Loans Charged-off:Construction & development | 0.0116% | 1,518 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1392% | 948 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0795% | 2,094 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0981% | 1,806 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0893% | 7,473 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0253% | 8,257 |
| 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 | 0.0363% | 4,542 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0647% | 1,873 |
| Percentage Net Loans Charged-off:Construction & development | 0.0163% | 1,017 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1233% | 657 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0616% | 1,762 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0763% | 1,511 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0816% | 7,346 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0259% | 8,255 |
| 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 | 0.0101% | 4,976 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0361% | 1,873 |
| Percentage Net Loans Charged-off:Construction & development | 0.0251% | 701 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0444% | 8,047 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0902% | 1,246 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1125% | 1,040 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0613% | 7,214 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2371% | 8,297 |
| 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 | -0.0492% | 7,757 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0107% | 7,793 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0399% | 8,093 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2165% | 7,644 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.3465% | 8,292 |
| 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 | 0.0583% | 4,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0322% | 2,355 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0221% | 1,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0512% | 1,974 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0658% | 1,699 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3411% | 2,010 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0442% | 8,389 |
| 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 | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0504% | 3,735 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0036% | 7,634 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1512% | 8,275 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0720% | 1,412 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0933% | 1,186 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4823% | 1,320 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0774% | 8,413 |
| 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 | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1113% | 2,334 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0113% | 2,132 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1807% | 8,328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1181% | 954 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1547% | 782 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7857% | 901 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0599% | 8,405 |
| 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 | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3167% | 883 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0808% | 825 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1776% | 8,342 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2627% | 429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3508% | 330 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7062% | 412 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0483% | 8,288 |
| 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 | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0243% | 5,522 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0430% | 8,315 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1311% | 8,339 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0022% | 7,832 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0083% | 5,991 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1935% | 2,816 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2496% | 1,373 |
| 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 | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0473% | 4,268 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0408% | 8,267 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1221% | 8,360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0031% | 7,785 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0113% | 5,963 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2739% | 2,068 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5010% | 939 |
| 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 | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0721% | 3,404 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0362% | 8,200 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1061% | 8,350 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0048% | 7,820 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0178% | 5,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3218% | 1,700 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9513% | 638 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0708% | 2,851 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0162% | 8,052 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0534% | 8,358 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0190% | 6,889 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4710% | 284 |
| 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 | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3921% | 1,460 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1389% | 1,275 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4607% | 468 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0161% | 2,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1016% | 408 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4239% | 1,025 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8437% | 2,460 |
| 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 | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5399% | 880 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1802% | 877 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6329% | 287 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9392% | 654 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4065% | 1,215 |
| 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 | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7301% | 621 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1914% | 791 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6532% | 252 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9282% | 388 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2738% | 1,401 |
| 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 | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4613% | 286 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3929% | 355 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3268% | 110 |
| 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 | 6.3430% | 146 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0835% | 4,459 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1514% | 3,996 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0189% | 8,417 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1474% | 8,716 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0568% | 2,266 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1085% | 399 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0524% | 2,232 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6140% | 2,353 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8831% | 2,703 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2219% | 2,770 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0093% | 8,216 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1991% | 8,787 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1116% | 1,373 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1495% | 286 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1085% | 1,382 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8948% | 1,539 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9611% | 2,252 |
| 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 | 0.2602% | 2,298 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0583% | 8,742 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2289% | 8,810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0363% | 1,814 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2327% | 198 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0197% | 1,965 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3535% | 1,039 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5125% | 3,519 |
| 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 | 0.4437% | 1,251 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0765% | 8,845 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2303% | 8,856 |
| 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 | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6509% | 468 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5897% | 8,756 |
| 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 | 0.0417% | 6,340 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0697% | 2,210 |
| Percentage Net Loans Charged-off:Construction & development | 1.7348% | 159 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2610% | 8,934 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,878 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1694% | 8,850 |
| 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 | -0.2135% | 9,433 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2195% | 9,344 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6221% | 9,203 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0423% | 9,025 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0461% | 9,030 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2355% | 3,509 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.3129% | 9,436 |
| 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 | 0.0000% | 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 | 0.2836% | 2,362 |
| 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 | 0.4521% | 1,534 |
| 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 | 0.9383% | 664 |
| 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 | 1.1009% | 535 |
| 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 | 0.8354% | 932 |
| 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 | 1.1571% | 546 |
| 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 | 2.1832% | 223 |
| 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 | 2.7810% | 251 |
| 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 | 0.9904% | 2,112 |
| 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 |