Home > The Somerville Bank & Trust Company > Net charge- offs to loans
The Somerville Bank & Trust Company, Net charge- offs to loans
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0966% | 3,873 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1443% | 2,766 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,684 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1821% | 2,349 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1821% | 2,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0271% | 2,937 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4950% | 6,409 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4950% | 6,369 |
| 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 | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1064% | 3,475 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1480% | 2,536 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1858% | 2,169 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1858% | 2,105 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0346% | 2,545 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3872% | 6,328 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3872% | 6,271 |
| 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 | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0719% | 3,684 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1309% | 2,491 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1633% | 2,186 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1633% | 2,076 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0495% | 2,174 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7247% | 6,528 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7247% | 6,483 |
| 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 | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1598% | 2,448 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2325% | 1,663 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2878% | 1,426 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2878% | 1,354 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0900% | 1,466 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7115% | 6,491 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7115% | 6,443 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0032% | 6,355 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0479% | 4,537 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,215 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0591% | 4,028 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0591% | 3,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,620 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6990% | 6,739 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6990% | 6,700 |
| 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 | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0116% | 5,546 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0488% | 4,277 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0601% | 3,715 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0601% | 3,532 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,269 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4731% | 6,702 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4731% | 6,651 |
| 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 | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0499% | 4,705 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0731% | 3,772 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0903% | 3,194 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0903% | 3,030 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,854 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2004% | 6,328 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2004% | 6,257 |
| 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 | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0816% | 3,682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1149% | 2,902 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1422% | 2,371 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1422% | 2,247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2698% | 6,300 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2698% | 6,231 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0950% | 5,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0790% | 4,777 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,917 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,614 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0984% | 4,095 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0984% | 3,958 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0405% | 6,275 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4086% | 3,103 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3841% | 2,915 |
| 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 | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1123% | 4,887 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0904% | 4,345 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,635 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,145 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1127% | 3,664 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1127% | 3,522 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0281% | 6,091 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4931% | 2,574 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4567% | 2,387 |
| 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 | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0766% | 4,873 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0312% | 4,517 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,658 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0389% | 3,757 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0389% | 3,566 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0459% | 6,182 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6990% | 1,944 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6311% | 1,781 |
| 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 | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0862% | 4,095 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0285% | 3,707 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0356% | 2,945 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0356% | 2,750 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0915% | 6,323 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8849% | 1,496 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7594% | 1,344 |
| 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 | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1634% | 5,355 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0430% | 5,369 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0538% | 4,522 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0538% | 4,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6741% | 1,869 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7147% | 2,771 |
| 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 | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1258% | 5,296 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0045% | 5,517 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0056% | 4,603 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0056% | 4,402 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2039% | 1,360 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3685% | 3,578 |
| 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 | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1459% | 4,777 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0314% | 4,747 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0392% | 3,814 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0392% | 3,623 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6581% | 1,077 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0980% | 4,311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1677% | 3,920 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0625% | 3,623 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0782% | 2,748 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0782% | 2,588 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7488% | 850 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0479% | 3,825 |
| 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 | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2244% | 5,220 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1387% | 4,511 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1736% | 3,404 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1736% | 3,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2048% | 7,425 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2636% | 2,243 |
| 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 | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1636% | 5,080 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1098% | 4,227 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1372% | 3,237 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1372% | 3,050 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2257% | 7,455 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8478% | 2,794 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1345% | 4,817 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0679% | 4,054 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0850% | 3,110 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0850% | 2,916 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3259% | 7,542 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9417% | 2,421 |
| 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 | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2258% | 3,287 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0782% | 3,047 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0983% | 2,233 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0983% | 2,045 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2245% | 7,462 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7711% | 1,307 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1545% | 4,651 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0314% | 4,644 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0387% | 3,602 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0387% | 3,378 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3384% | 3,109 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0745% | 2,115 |
| 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 | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1385% | 3,916 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0101% | 7,828 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0124% | 7,802 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0124% | 7,780 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1250% | 3,150 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2860% | 1,438 |
| 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 | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0858% | 4,034 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0194% | 7,926 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0238% | 7,901 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0238% | 7,873 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1875% | 2,357 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8376% | 1,998 |
| 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 | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0956% | 3,078 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0086% | 7,774 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0105% | 7,799 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0105% | 7,779 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5589% | 1,130 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7180% | 1,982 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0367% | 5,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0171% | 3,620 |
| 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 | 0.0209% | 2,915 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0209% | 2,715 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1562% | 2,936 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1401% | 4,926 |
| 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 | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0443% | 4,337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0315% | 2,423 |
| 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 | 0.0384% | 2,033 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0384% | 1,894 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2330% | 2,115 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0782% | 4,811 |
| 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% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0018% | 7,000 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0473% | 1,708 |
| 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 | 0.0577% | 1,468 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0577% | 1,361 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3485% | 1,495 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4532% | 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% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0140% | 7,085 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 1,590 |
| 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 | 0.0209% | 1,303 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0209% | 1,186 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2375% | 7,516 |
| 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 | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0672% | 8,289 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0246% | 8,093 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0300% | 8,124 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0300% | 8,083 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1601% | 7,684 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3536% | 8,149 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0535% | 8,118 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0299% | 8,110 |
| 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 | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0366% | 8,155 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0366% | 8,107 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2096% | 1,943 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3409% | 8,067 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1174% | 8,321 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0772% | 8,336 |
| 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 | -0.0942% | 8,325 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0942% | 8,305 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4315% | 1,236 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6574% | 8,252 |
| 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% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2525% | 8,462 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2097% | 8,519 |
| 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 | -0.2554% | 8,486 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.2554% | 8,455 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0993% | 554 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1681% | 8,333 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2718% | 1,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1604% | 859 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1924% | 872 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1924% | 897 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9810% | 1,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8168% | 2,317 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2526% | 1,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1516% | 815 |
| 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 | 0.1815% | 792 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1815% | 811 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3387% | 775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5374% | 2,976 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1970% | 1,852 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1074% | 993 |
| 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 | 0.1281% | 964 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1281% | 941 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4813% | 1,408 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7406% | 2,112 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4412% | 795 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2020% | 500 |
| 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 | 0.2405% | 531 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2405% | 541 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5715% | 952 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1497% | 597 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3122% | 1,852 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3326% | 537 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4029% | 464 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.4029% | 491 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6463% | 8,262 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6980% | 2,993 |
| 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 | -0.1295% | 7,456 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1187% | 3,365 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2107% | 753 |
| 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 | 0.2564% | 655 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2564% | 666 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2302% | 8,390 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1996% | 4,981 |
| 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 | -0.1691% | 7,501 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0249% | 7,934 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1264% | 1,097 |
| 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 | 0.1549% | 946 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1549% | 922 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.7411% | 8,463 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1418% | 8,018 |
| 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 | -0.2581% | 7,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3009% | 8,787 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0927% | 1,049 |
| 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 | 0.1147% | 901 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1147% | 863 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.8756% | 8,577 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1050% | 8,702 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7049% | 949 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1890% | 1,159 |
| 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 | 0.2322% | 1,000 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2322% | 1,006 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9071% | 612 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6405% | 529 |
| 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 | 0.1113% | 1,512 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7413% | 759 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1544% | 1,139 |
| 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 | 0.1890% | 982 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1890% | 985 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.1240% | 335 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6204% | 504 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5502% | 1,117 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2338% | 760 |
| 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 | 0.2862% | 653 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2862% | 661 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.7241% | 389 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1111% | 1,855 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9368% | 534 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4321% | 365 |
| 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 | 0.5280% | 331 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.5280% | 334 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.7781% | 136 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1963% | 1,650 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0965% | 625 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1768% | 1,206 |
| 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 | 0.2207% | 983 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2207% | 990 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1487% | 4,000 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.5564% | 155 |
| 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 | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2840% | 2,815 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4842% | 1,309 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3590% | 1,882 |
| 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 | 0.1490% | 3,915 |
| 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 | 0.1954% | 3,547 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1931% | 3,897 |
| 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 | 0.1416% | 4,966 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1646% | 4,414 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1508% | 4,755 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1802% | 5,667 |
| 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 | 0.1151% | 8,602 |
| 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 |