Home > Citizens Bank of Effingham > Net charge- offs to loans
Citizens Bank of Effingham, Net charge- offs to loans
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.6615% | 117 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.8727% | 102 |
| Percentage Net Loans Charged-off:Construction & development | 18.7157% | 193 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4602% | 2,117 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4745% | 865 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7609% | 401 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7679% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0936% | 387 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8285% | 1,767 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.2066% | 122 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.3483% | 250 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.7329% | 183 |
| Percentage Net Loans Charged-off:Construction & development | 15.8942% | 253 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0711% | 2,874 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8445% | 649 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4241% | 1,184 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3142% | 497 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5694% | 1,743 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3678% | 1,521 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.4093% | 176 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.0403% | 122 |
| Percentage Net Loans Charged-off:Construction & development | 20.6344% | 175 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1042% | 2,266 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6205% | 751 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0311% | 696 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8105% | 696 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2137% | 3,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7938% | 1,139 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4609% | 1,183 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6456% | 896 |
| Percentage Net Loans Charged-off:Construction & development | 4.5072% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3391% | 812 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5881% | 443 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2619% | 837 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0535% | 2,699 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,892 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.1033% | 392 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.4439% | 307 |
| Percentage Net Loans Charged-off:Construction & development | 10.3600% | 582 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1391% | 1,011 |
| Percentage Net Loans Charged-off: Multi-family residential | 17.0385% | 73 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9163% | 1,379 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8045% | 979 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9489% | 1,285 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3030% | 1,680 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4775% | 1,909 |
| 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% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3741% | 3,780 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1417% | 3,971 |
| Percentage Net Loans Charged-off:Construction & development | 0.2342% | 2,773 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1849% | 2,908 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2388% | 2,477 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4333% | 1,298 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0927% | 2,286 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0952% | 5,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0350% | 4,413 |
| Percentage Net Loans Charged-off:Construction & development | 0.0821% | 2,532 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0143% | 3,737 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0186% | 3,447 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2437% | 3,181 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2406% | 1,933 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1303% | 7,943 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0210% | 3,555 |
| Percentage Net Loans Charged-off:Construction & development | 0.0610% | 1,780 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0073% | 7,592 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0095% | 7,605 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.6296% | 7,781 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0565% | 4,166 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6330% | 1,944 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6295% | 1,402 |
| Percentage Net Loans Charged-off:Construction & development | 1.2480% | 1,424 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0069% | 7,718 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4513% | 1,305 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4955% | 707 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4356% | 1,267 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6109% | 2,453 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1479% | 1,971 |
| 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 | -0.1538% | 7,080 |
| 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 | 0.1217% | 4,133 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1170% | 2,771 |
| Percentage Net Loans Charged-off:Construction & development | 0.1086% | 1,955 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0090% | 7,757 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2707% | 1,421 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6700% | 465 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1235% | 2,025 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0707% | 3,430 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5322% | 3,138 |
| 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 | -0.2010% | 7,121 |
| 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 | 0.1067% | 3,742 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1084% | 2,297 |
| Percentage Net Loans Charged-off:Construction & development | 0.1627% | 1,363 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0092% | 7,805 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1637% | 1,596 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2274% | 1,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1382% | 2,529 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1833% | 4,120 |
| 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 | -0.2934% | 7,163 |
| 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 | 0.0619% | 3,566 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0342% | 2,265 |
| Percentage Net Loans Charged-off:Construction & development | -0.0064% | 7,555 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0089% | 7,887 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1548% | 1,188 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2167% | 931 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3193% | 1,411 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3128% | 2,969 |
| 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 | -0.5765% | 7,222 |
| 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 | 0.0627% | 4,683 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1041% | 2,069 |
| Percentage Net Loans Charged-off:Construction & development | 0.2002% | 999 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0651% | 2,237 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0939% | 1,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2238% | 7,725 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0335% | 7,520 |
| 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 | 0.2054% | 1,177 |
| 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 | -0.0581% | 8,024 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0040% | 7,614 |
| Percentage Net Loans Charged-off:Construction & development | -0.0044% | 7,582 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0068% | 7,825 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3992% | 7,820 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3860% | 8,031 |
| 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 | 0.3109% | 900 |
| 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 | -0.0341% | 7,744 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0016% | 7,428 |
| Percentage Net Loans Charged-off:Construction & development | -0.0035% | 7,584 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0105% | 7,901 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0152% | 1,933 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0224% | 1,697 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0802% | 7,310 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7794% | 8,193 |
| 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 | 0.6418% | 633 |
| 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 | -0.0932% | 8,015 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0066% | 1,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0144% | 414 |
| 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 | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1676% | 1,369 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.9642% | 8,408 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1076% | 3,103 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0083% | 7,853 |
| Percentage Net Loans Charged-off:Construction & development | -0.0199% | 7,732 |
| 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 | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8802% | 1,122 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1105% | 5,035 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0062% | 5,445 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0075% | 7,774 |
| Percentage Net Loans Charged-off:Construction & development | -0.0182% | 7,730 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0488% | 2,735 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1504% | 4,352 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0252% | 4,123 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0077% | 7,786 |
| Percentage Net Loans Charged-off:Construction & development | -0.0190% | 7,714 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0972% | 2,073 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4593% | 2,505 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0616% | 2,625 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0080% | 7,827 |
| Percentage Net Loans Charged-off:Construction & development | -0.0198% | 7,690 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| 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 | 0.2638% | 1,102 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7766% | 1,574 |
| 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 | 0.0096% | 6,099 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0389% | 8,296 |
| Percentage Net Loans Charged-off:Construction & development | -0.0916% | 7,856 |
| 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 | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1235% | 3,171 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5126% | 3,522 |
| 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 | -0.1260% | 8,456 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0810% | 8,440 |
| Percentage Net Loans Charged-off:Construction & development | -0.1926% | 7,876 |
| 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 | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3557% | 7,946 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2266% | 8,110 |
| 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 | -0.1094% | 8,340 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1146% | 8,493 |
| Percentage Net Loans Charged-off:Construction & development | -0.2789% | 7,852 |
| 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 | -0.0125% | 6,813 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3383% | 8,130 |
| 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 | -0.0437% | 7,762 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0504% | 8,375 |
| Percentage Net Loans Charged-off:Construction & development | -0.1248% | 7,820 |
| 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 | -0.0759% | 7,332 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1478% | 3,785 |
| 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 | 0.3365% | 1,697 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2880% | 628 |
| Percentage Net Loans Charged-off:Construction & development | 0.7957% | 164 |
| 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 | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2633% | 2,853 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2114% | 1,630 |
| 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 | 0.2486% | 1,947 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2011% | 785 |
| Percentage Net Loans Charged-off:Construction & development | 0.5782% | 173 |
| 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 | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4144% | 1,952 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4814% | 3,501 |
| 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 | 0.0197% | 5,238 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1758% | 850 |
| Percentage Net Loans Charged-off:Construction & development | 0.5167% | 168 |
| 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 | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7131% | 8,263 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1380% | 8,010 |
| 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 | -0.1537% | 8,556 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0468% | 8,513 |
| Percentage Net Loans Charged-off:Construction & development | -0.1423% | 7,907 |
| 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 | -0.4011% | 8,075 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8900% | 8,627 |
| 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 | 0.0999% | 4,786 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1113% | 1,714 |
| Percentage Net Loans Charged-off:Construction & development | 0.1639% | 504 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1972% | 831 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0750% | 4,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0832% | 6,551 |
| 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 | 0.0139% | 6,380 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0726% | 1,822 |
| Percentage Net Loans Charged-off:Construction & development | 0.2285% | 362 |
| 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 | 0.0065% | 2,752 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0093% | 2,551 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2125% | 8,158 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1538% | 8,525 |
| 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 | -0.0699% | 8,638 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0031% | 2,852 |
| 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 | 0.0099% | 2,231 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0142% | 2,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2993% | 8,209 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4242% | 8,765 |
| 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 | -0.0471% | 8,271 |
| 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 | 0.0333% | 2,357 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7088% | 8,839 |
| 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 | 0.1878% | 3,811 |
| 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 | 0.6640% | 2,452 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9960% | 2,392 |
| 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 | 0.1202% | 4,746 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2259% | 3,545 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7870% | 2,942 |
| 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 | 0.3432% | 1,971 |
| 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 | 0.0166% | 7,207 |
| 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 | 0.0000% | 8,132 |
| 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 |