Home > Appalachian Community Bank > Net charge- offs to loans
Appalachian Community Bank, Net charge- offs to loans
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.4622% | 211 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.0788% | 244 |
| Percentage Net Loans Charged-off:Construction & development | 6.6646% | 938 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2149% | 951 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.6464% | 253 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.6735% | 207 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4263% | 420 |
| All other 1-4 family - Percent of loans charged-off, net | 4.7246% | 229 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.3301% | 350 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.7910% | 161 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2403% | 381 |
| 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 | 5.1264% | 214 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.9103% | 212 |
| Percentage Net Loans Charged-off:Construction & development | 6.4229% | 785 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7171% | 1,073 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3905% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.3534% | 144 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0209% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 5.4074% | 149 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.7393% | 271 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0937% | 747 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2559% | 309 |
| 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 | 4.1958% | 324 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.7943% | 322 |
| Percentage Net Loans Charged-off:Construction & development | 5.2684% | 801 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5770% | 7,930 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1035% | 488 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.4727% | 191 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8612% | 266 |
| All other 1-4 family - Percent of loans charged-off, net | 4.5103% | 194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.5404% | 262 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7122% | 842 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9517% | 468 |
| 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 | 1.9671% | 732 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5652% | 722 |
| Percentage Net Loans Charged-off:Construction & development | 2.8276% | 810 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.1998% | 8,000 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8759% | 426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9203% | 413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.4589% | 341 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7634% | 1,311 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8607% | 366 |
| 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 | 1.0016% | 1,239 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9533% | 967 |
| Percentage Net Loans Charged-off:Construction & development | 0.9798% | 1,585 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9279% | 554 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0932% | 545 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2701% | 236 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0766% | 552 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1174% | 1,687 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2815% | 821 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1978% | 923 |
| 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 | 0.4961% | 1,697 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4433% | 1,283 |
| Percentage Net Loans Charged-off:Construction & development | 0.4618% | 1,479 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0075% | 1,696 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7952% | 592 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8041% | 546 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4300% | 2,188 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1138% | 770 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6439% | 710 |
| 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 | 0.3935% | 1,704 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3726% | 1,164 |
| Percentage Net Loans Charged-off:Construction & development | 0.5544% | 977 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0113% | 1,255 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2991% | 1,137 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3007% | 1,044 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2246% | 2,238 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3309% | 1,266 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1661% | 747 |
| 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 | 0.2391% | 1,926 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2027% | 1,233 |
| Percentage Net Loans Charged-off:Construction & development | 0.3191% | 735 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0231% | 730 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1073% | 1,356 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1080% | 1,241 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2402% | 1,552 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2081% | 1,295 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3210% | 1,718 |
| 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 | 0.3629% | 1,533 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3277% | 889 |
| Percentage Net Loans Charged-off:Construction & development | 0.3406% | 812 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1331% | 968 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5570% | 474 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5614% | 466 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2266% | 2,640 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4748% | 997 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4405% | 770 |
| 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 | 0.1836% | 2,139 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1338% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.1082% | 730 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1804% | 552 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2128% | 870 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2146% | 826 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1790% | 2,306 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3726% | 955 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3687% | 716 |
| 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 | 0.1077% | 2,648 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0670% | 1,495 |
| Percentage Net Loans Charged-off:Construction & development | 0.0311% | 682 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1700% | 435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1023% | 1,181 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1032% | 1,090 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0728% | 2,312 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1174% | 1,135 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6687% | 825 |
| 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 | 0.0994% | 2,214 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0401% | 1,310 |
| Percentage Net Loans Charged-off:Construction & development | 0.0024% | 439 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0038% | 522 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2089% | 617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2109% | 583 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1102% | 1,494 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4327% | 869 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8808% | 668 |
| 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 | 0.3024% | 1,337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1475% | 982 |
| Percentage Net Loans Charged-off:Construction & development | 0.1461% | 421 |
| 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 | 0.3647% | 460 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3681% | 450 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0187% | 485 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6757% | 2,248 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7682% | 1,005 |
| 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 | 0.3446% | 925 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1309% | 862 |
| Percentage Net Loans Charged-off:Construction & development | 0.1444% | 298 |
| 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 | 0.2863% | 483 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2890% | 491 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6592% | 303 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7641% | 1,758 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0334% | 809 |
| 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 | 0.4976% | 603 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1991% | 557 |
| Percentage Net Loans Charged-off:Construction & development | 0.2321% | 178 |
| 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 | 0.4152% | 331 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4192% | 335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0113% | 195 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4321% | 2,601 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5098% | 625 |
| 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 | 0.7932% | 343 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1546% | 529 |
| 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 | 0.8619% | 135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8705% | 141 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.1780% | 76 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4584% | 2,269 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5660% | 580 |
| 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 | 0.1217% | 3,303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0145% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0060% | 654 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0026% | 1,316 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0529% | 1,965 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0534% | 1,878 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0107% | 1,133 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5401% | 3,403 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3019% | 1,084 |
| 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 | 0.1526% | 2,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0199% | 2,330 |
| Percentage Net Loans Charged-off:Construction & development | 0.0084% | 500 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0035% | 1,013 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0708% | 1,484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0714% | 1,431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2266% | 830 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6432% | 2,559 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4121% | 911 |
| 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 | 0.1746% | 2,042 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0198% | 2,007 |
| Percentage Net Loans Charged-off:Construction & development | 0.0130% | 385 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0054% | 772 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0570% | 1,440 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0574% | 1,375 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5888% | 643 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4651% | 2,986 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5145% | 1,096 |
| 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 | 0.3333% | 1,057 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0283% | 1,382 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0112% | 475 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1127% | 846 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1134% | 813 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1134% | 287 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8753% | 1,719 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5528% | 683 |
| 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 | 0.1387% | 3,555 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1330% | 1,316 |
| Percentage Net Loans Charged-off:Construction & development | 0.1898% | 374 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0070% | 1,490 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2203% | 884 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2210% | 890 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0156% | 7,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5102% | 3,773 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0391% | 1,327 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1051% | 3,567 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0898% | 1,439 |
| Percentage Net Loans Charged-off:Construction & development | 0.0504% | 479 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0019% | 1,202 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2961% | 581 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2969% | 585 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0166% | 7,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5532% | 3,194 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1846% | 1,177 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0467% | 4,473 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0342% | 1,998 |
| Percentage Net Loans Charged-off:Construction & development | 0.0017% | 459 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0028% | 938 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1419% | 1,002 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1423% | 963 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0186% | 6,990 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3413% | 3,886 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8332% | 1,200 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0639% | 3,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0692% | 1,204 |
| Percentage Net Loans Charged-off:Construction & development | 0.0036% | 277 |
| 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 | 0.2960% | 496 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2967% | 489 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0738% | 7,419 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2346% | 3,823 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6920% | 1,015 |
| 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 | 0.3484% | 2,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2413% | 932 |
| Percentage Net Loans Charged-off:Construction & development | 0.0283% | 731 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6980% | 367 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1489% | 1,399 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1494% | 1,392 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7974% | 1,997 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1526% | 1,978 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7471% | 1,271 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3641% | 1,782 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3139% | 599 |
| Percentage Net Loans Charged-off:Construction & development | 0.0380% | 562 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9023% | 231 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1821% | 1,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1826% | 1,005 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3771% | 2,495 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1369% | 1,866 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2839% | 1,350 |
| 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 | 0.4019% | 1,540 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3971% | 445 |
| Percentage Net Loans Charged-off:Construction & development | -0.0076% | 7,924 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1870% | 182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2155% | 816 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2162% | 813 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2285% | 2,599 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9024% | 2,292 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0092% | 1,343 |
| 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 | 0.5093% | 1,073 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6064% | 254 |
| Percentage Net Loans Charged-off:Construction & development | -0.0160% | 7,912 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8735% | 104 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2170% | 659 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2178% | 664 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0382% | 2,339 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2812% | 3,943 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2838% | 2,854 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2170% | 997 |
| Percentage Net Loans Charged-off:Construction & development | 0.0810% | 673 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4190% | 573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1832% | 1,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1893% | 1,103 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2676% | 3,535 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0244% | 2,314 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9823% | 1,268 |
| 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 | 0.2190% | 3,400 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0714% | 2,046 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2491% | 770 |
| Percentage Net Loans Charged-off: Home equity loans | 6.6611% | 29 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7501% | 2,165 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8164% | 2,825 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6844% | 1,872 |
| 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 | 0.3357% | 2,019 |
| 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 | 0.5687% | 1,167 |
| 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 | 0.1093% | 4,924 |
| 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 | 0.2759% | 2,961 |
| 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 | 0.0734% | 6,356 |
| 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 | 0.0260% | 7,796 |
| 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 |