Home > Citizens Bank and Trust of West Georgia > Net charge- offs to loans
Citizens Bank and Trust of West Georgia, Net charge- offs to loans
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8714% | 207 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2970% | 124 |
| Percentage Net Loans Charged-off:Construction & development | 7.5880% | 197 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3350% | 8,065 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0279% | 194 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8605% | 386 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2690% | 168 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6904% | 1,695 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0128% | 7,301 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8806% | 176 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2746% | 103 |
| Percentage Net Loans Charged-off:Construction & development | 7.9376% | 154 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1066% | 8,039 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3625% | 299 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2877% | 252 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3778% | 271 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9022% | 1,146 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0376% | 4,807 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4460% | 1,161 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6363% | 533 |
| Percentage Net Loans Charged-off:Construction & development | 0.9253% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1374% | 8,101 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9133% | 353 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1955% | 446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0627% | 283 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0037% | 7,932 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1857% | 7,373 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6863% | 233 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7677% | 115 |
| Percentage Net Loans Charged-off:Construction & development | 2.9686% | 149 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8780% | 279 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9288% | 133 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8976% | 283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0627% | 238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5273% | 818 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1925% | 1,313 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7448% | 486 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6479% | 237 |
| Percentage Net Loans Charged-off:Construction & development | 0.5883% | 355 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0047% | 7,805 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1699% | 75 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0133% | 185 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1930% | 154 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4180% | 707 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8428% | 638 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7159% | 478 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7078% | 197 |
| Percentage Net Loans Charged-off:Construction & development | 0.5071% | 265 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0023% | 7,797 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7499% | 45 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2219% | 138 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4293% | 120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7508% | 960 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3213% | 939 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3575% | 855 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2597% | 468 |
| Percentage Net Loans Charged-off:Construction & development | 0.1181% | 301 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0046% | 7,926 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.5042% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3704% | 407 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4290% | 342 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0753% | 582 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9086% | 1,374 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8318% | 381 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5714% | 220 |
| Percentage Net Loans Charged-off:Construction & development | 0.3465% | 272 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1824% | 590 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9466% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0987% | 105 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2307% | 94 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4697% | 384 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2093% | 467 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5734% | 513 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4236% | 237 |
| Percentage Net Loans Charged-off:Construction & development | 0.3340% | 195 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2477% | 389 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2253% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5834% | 222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6495% | 194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3301% | 613 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9205% | 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% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6172% | 479 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5937% | 165 |
| Percentage Net Loans Charged-off:Construction & development | 0.3935% | 140 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0647% | 569 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2895% | 74 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4255% | 69 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3338% | 1,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3441% | 393 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2792% | 985 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1554% | 524 |
| Percentage Net Loans Charged-off:Construction & development | 0.0973% | 159 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0048% | 8,025 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3557% | 336 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3911% | 300 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3017% | 1,049 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3088% | 274 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4607% | 947 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3941% | 308 |
| Percentage Net Loans Charged-off:Construction & development | 0.2502% | 258 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0024% | 7,921 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7792% | 169 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8460% | 166 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6975% | 1,513 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2063% | 1,440 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4102% | 948 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3217% | 365 |
| Percentage Net Loans Charged-off:Construction & development | 0.0393% | 413 |
| 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 | 0.7673% | 164 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8306% | 169 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7379% | 1,213 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3025% | 1,158 |
| 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 | 0.4068% | 926 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2725% | 460 |
| Percentage Net Loans Charged-off:Construction & development | 0.0513% | 312 |
| 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 | 0.5286% | 268 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5699% | 261 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9293% | 965 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6139% | 859 |
| 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 | 0.3814% | 920 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1998% | 511 |
| Percentage Net Loans Charged-off:Construction & development | 0.0206% | 213 |
| 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 | 0.0998% | 1,661 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.6315% | 181 |
| 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 | 0.1953% | 2,795 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0368% | 2,598 |
| 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 | 0.1011% | 1,579 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1075% | 1,507 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5550% | 2,012 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5374% | 1,169 |
| 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 | 0.1263% | 3,238 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0174% | 2,708 |
| 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 | 0.0472% | 1,894 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0502% | 1,775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2747% | 2,337 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1834% | 1,515 |
| 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 | 0.1258% | 3,025 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0209% | 2,229 |
| 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 | 0.0561% | 1,564 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0595% | 1,457 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0342% | 2,896 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5590% | 1,063 |
| 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 | 0.1450% | 2,390 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0561% | 1,281 |
| 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 | 0.1499% | 789 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1590% | 730 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0308% | 7,102 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4869% | 1,247 |
| 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 | 0.4448% | 1,665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2672% | 837 |
| Percentage Net Loans Charged-off:Construction & development | 0.3936% | 354 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0185% | 1,450 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4309% | 527 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4504% | 530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7940% | 2,001 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5465% | 1,306 |
| 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 | 0.3415% | 1,909 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1564% | 1,128 |
| Percentage Net Loans Charged-off:Construction & development | 0.2821% | 330 |
| 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 | 0.2412% | 813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2515% | 792 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6192% | 1,965 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5952% | 1,118 |
| 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 | 0.3726% | 1,674 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1080% | 1,325 |
| Percentage Net Loans Charged-off:Construction & development | 0.2583% | 295 |
| 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 | 0.1361% | 1,090 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1417% | 1,056 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9041% | 1,401 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8381% | 927 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.2813% | 1,857 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0379% | 1,533 |
| Percentage Net Loans Charged-off:Construction & development | 0.1865% | 219 |
| 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 | 0.5501% | 1,375 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9123% | 935 |
| 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 | 0.3876% | 2,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1002% | 1,817 |
| Percentage Net Loans Charged-off:Construction & development | 0.1304% | 577 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1140% | 1,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0820% | 1,885 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5355% | 153 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0624% | 2,070 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8258% | 2,155 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7645% | 1,066 |
| 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 | 0.1523% | 4,253 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0005% | 3,976 |
| 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 | 0.0012% | 3,280 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0258% | 540 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1406% | 3,953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9763% | 2,326 |
| 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 | 0.1101% | 4,445 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0064% | 832 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0149% | 693 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0159% | 638 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0220% | 1,329 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7730% | 543 |
| Percentage Net Loans Charged-off: Credit card loans | 43.4783% | 17 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.1253% | 4,336 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0142% | 785 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0826% | 357 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0881% | 324 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0110% | 1,256 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7753% | 577 |
| Percentage Net Loans Charged-off: Credit card loans | 10.8525% | 40 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.2492% | 2,896 |
| 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 | -0.3869% | 10,766 |
| 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 | 0.2884% | 3,089 |
| 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 | 2.5605% | 160 |
| 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 | 0.1098% | 5,525 |
| 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 | 0.1257% | 6,587 |
| 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 | 0.2612% | 6,469 |
| 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 |