Home > Beach First National Bank > Net charge- offs to loans
Beach First National Bank, Net charge- offs to loans
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 10.8163% | 42 |
| Percentage Net Loans Charged-off: Total real estate loans | 10.0235% | 50 |
| Percentage Net Loans Charged-off:Construction & development | 19.4578% | 190 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.9573% | 124 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.5822% | 109 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.7920% | 146 |
| Percentage Net Loans Charged-off: Home equity loans | 4.2358% | 194 |
| All other 1-4 family - Percent of loans charged-off, net | 6.1156% | 139 |
| Percentage Net Loans Charged-off: Commercial and industrial | 19.0032% | 102 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.0389% | 166 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9035% | 342 |
| 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 | 4.5978% | 309 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.4533% | 305 |
| Percentage Net Loans Charged-off:Construction & development | 6.6806% | 934 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9538% | 1,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2370% | 532 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.4515% | 107 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5968% | 381 |
| All other 1-4 family - Percent of loans charged-off, net | 7.1764% | 107 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.8905% | 596 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9676% | 400 |
| Percentage Net Loans Charged-off: Credit card loans | 7.8905% | 228 |
| 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 | 4.1704% | 322 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2083% | 289 |
| Percentage Net Loans Charged-off:Construction & development | 5.9534% | 842 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8709% | 936 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5909% | 487 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.3909% | 100 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2117% | 617 |
| All other 1-4 family - Percent of loans charged-off, net | 7.3486% | 85 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6267% | 882 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.2444% | 348 |
| Percentage Net Loans Charged-off: Credit card loans | 7.3224% | 248 |
| 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 | 3.7240% | 397 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.7132% | 336 |
| Percentage Net Loans Charged-off:Construction & development | 4.4089% | 908 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9178% | 713 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8274% | 333 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.1162% | 119 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5220% | 454 |
| All other 1-4 family - Percent of loans charged-off, net | 6.9463% | 104 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0675% | 714 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2273% | 1,063 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2162% | 444 |
| 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 | 5.2428% | 196 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.0597% | 175 |
| Percentage Net Loans Charged-off:Construction & development | 5.7257% | 503 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9540% | 465 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 9.0310% | 67 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0366% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 10.1293% | 55 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4988% | 283 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0340% | 1,123 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5052% | 554 |
| 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 | 1.6112% | 705 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5627% | 573 |
| Percentage Net Loans Charged-off:Construction & development | 1.7846% | 1,170 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7520% | 655 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3893% | 215 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7944% | 538 |
| All other 1-4 family - Percent of loans charged-off, net | 2.7055% | 188 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1262% | 996 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0947% | 2,068 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3019% | 633 |
| 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 | 0.3848% | 2,128 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3523% | 1,514 |
| Percentage Net Loans Charged-off:Construction & development | 0.3793% | 1,560 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1714% | 1,024 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5647% | 821 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0056% | 5,934 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6791% | 649 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6410% | 1,780 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6169% | 2,847 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3079% | 794 |
| 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 | 0.2253% | 2,557 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2403% | 1,531 |
| Percentage Net Loans Charged-off:Construction & development | 0.5630% | 971 |
| 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 | 0.1468% | 1,664 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0086% | 5,939 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1787% | 1,422 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0976% | 2,669 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1724% | 4,164 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3267% | 937 |
| 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 | 0.1236% | 2,753 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1196% | 1,585 |
| Percentage Net Loans Charged-off:Construction & development | 0.3018% | 745 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0052% | 7,849 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0343% | 1,721 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0416% | 1,532 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1540% | 1,718 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1529% | 3,530 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4688% | 580 |
| 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 | 0.2062% | 2,569 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0708% | 2,516 |
| Percentage Net Loans Charged-off:Construction & development | 0.0350% | 1,404 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0089% | 1,574 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1905% | 1,283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2955% | 458 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1685% | 1,343 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3011% | 940 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1742% | 1,340 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9559% | 282 |
| 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 | 0.1169% | 2,907 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0044% | 3,230 |
| 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 | 0.0147% | 2,413 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1051% | 530 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 7,622 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0464% | 881 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7556% | 1,859 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7702% | 889 |
| 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 | 0.0811% | 3,042 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0005% | 7,364 |
| 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 | -0.0017% | 7,574 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0020% | 7,588 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6923% | 1,022 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8856% | 1,484 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2152% | 685 |
| 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 | 0.0158% | 3,886 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0010% | 1,841 |
| 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 | 0.0034% | 1,448 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0040% | 1,319 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8149% | 1,527 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4316% | 435 |
| 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 | 0.1751% | 2,211 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0551% | 1,880 |
| Percentage Net Loans Charged-off:Construction & development | 0.1216% | 451 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0123% | 7,930 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0506% | 1,977 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1153% | 435 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0339% | 2,085 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9333% | 1,072 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2060% | 1,161 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,256 |
| 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 | 0.1742% | 1,805 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0494% | 1,626 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0169% | 8,003 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1973% | 694 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2511% | 565 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0560% | 751 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6000% | 2,193 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,137 |
| 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 | 0.1279% | 2,132 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0107% | 2,146 |
| 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 | 0.0382% | 1,520 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0490% | 1,335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9256% | 807 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4881% | 2,395 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 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% | 1,212 |
| 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 | 0.0036% | 4,263 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1563% | 3,292 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0964% | 3,726 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0144% | 2,901 |
| Percentage Net Loans Charged-off:Construction & development | 0.0272% | 571 |
| 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 | 0.0208% | 2,538 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0271% | 2,289 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4137% | 2,103 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8581% | 2,211 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.1029% | 3,091 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0103% | 2,647 |
| Percentage Net Loans Charged-off:Construction & development | 0.0425% | 406 |
| 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 | -0.0021% | 7,763 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 7,775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4496% | 1,660 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8738% | 1,889 |
| 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 | 0.0543% | 3,778 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0178% | 2,059 |
| Percentage Net Loans Charged-off:Construction & development | 0.0722% | 288 |
| 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 | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2147% | 1,962 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2109% | 4,114 |
| 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 | 0.0058% | 4,521 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| 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 | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0373% | 7,065 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3276% | 3,107 |
| 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 | 0.4233% | 1,348 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1137% | 1,462 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2311% | 742 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0118% | 2,937 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0159% | 2,690 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7703% | 839 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3366% | 4,637 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4455% | 1,091 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0057% | 3,105 |
| 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 | 0.0165% | 2,387 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0220% | 2,155 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3235% | 534 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1246% | 5,439 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2495% | 1,846 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0073% | 2,570 |
| 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 | 0.0207% | 1,942 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0272% | 1,755 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2268% | 884 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1061% | 5,115 |
| 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% | 1,207 |
| 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 | 0.0086% | 4,840 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1602% | 4,119 |
| 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 | 0.1974% | 3,415 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1043% | 1,788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1493% | 943 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0778% | 1,989 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0991% | 1,743 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4103% | 2,876 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4399% | 4,543 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2904% | 2,194 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1472% | 1,179 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2094% | 665 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1129% | 1,368 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1452% | 1,185 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6169% | 1,971 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5998% | 3,417 |
| 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 | 0.0783% | 4,354 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| 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 | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1537% | 2,847 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5411% | 3,410 |
| 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 | 0.0041% | 5,443 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| 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 | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0505% | 4,909 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1492% | 4,323 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| 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 | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5961% | 2,612 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1534% | 6,277 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0288% | 690 |
| 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 | 0.3313% | 2,436 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3384% | 578 |
| Percentage Net Loans Charged-off:Construction & development | 2.9399% | 101 |
| 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 | 0.1595% | 1,126 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1835% | 984 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1516% | 3,901 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6375% | 3,525 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2319% | 2,797 |
| 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 | 0.0336% | 6,572 |
| 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 | 1.1392% | 508 |
| 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 | 0.0000% | 8,512 |
| 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 | 0.0000% | 8,805 |
| 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 |