Home > Community Bank > Net charge- offs to loans
Community Bank, Net charge- offs to loans
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3280% | 3,208 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3785% | 2,025 |
| Percentage Net Loans Charged-off:Construction & development | 3.5909% | 714 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.9939% | 8,066 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0092% | 7,794 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2847% | 914 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0380% | 7,921 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0812% | 4,128 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4662% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3047% | 891 |
| 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 | -0.5289% | 8,281 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.6809% | 8,254 |
| Percentage Net Loans Charged-off:Construction & development | 0.0072% | 2,217 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.4314% | 8,130 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0546% | 7,985 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0599% | 7,971 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1040% | 3,250 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3462% | 3,805 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1696% | 822 |
| 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 | -0.8201% | 8,358 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.0366% | 8,322 |
| Percentage Net Loans Charged-off:Construction & development | 0.0141% | 1,655 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.1711% | 8,187 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1197% | 8,122 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1308% | 8,107 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1755% | 2,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0861% | 4,575 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| 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 | -0.0210% | 7,383 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0401% | 8,047 |
| Percentage Net Loans Charged-off:Construction & development | 0.0361% | 1,048 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2771% | 8,226 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3026% | 8,211 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0380% | 7,026 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6560% | 2,095 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| 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 | -0.1534% | 8,307 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0433% | 2,964 |
| Percentage Net Loans Charged-off:Construction & development | 0.0135% | 1,504 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0421% | 6,232 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2381% | 1,110 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2616% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2097% | 7,704 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0452% | 7,567 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9466% | 947 |
| 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 | -0.2604% | 8,370 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2675% | 8,343 |
| Percentage Net Loans Charged-off:Construction & development | 0.0179% | 1,008 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6093% | 8,228 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0604% | 6,186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0076% | 7,731 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0084% | 7,719 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2147% | 7,651 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4815% | 8,105 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3407% | 727 |
| 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 | -0.3693% | 8,419 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4022% | 8,410 |
| Percentage Net Loans Charged-off:Construction & development | 0.0269% | 695 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.9398% | 8,281 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0058% | 7,675 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0063% | 7,681 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0329% | 6,995 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.9748% | 8,247 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| 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 | -0.0207% | 7,279 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0082% | 7,730 |
| Percentage Net Loans Charged-off:Construction & development | -0.0066% | 7,600 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0144% | 8,003 |
| 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 | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4863% | 7,903 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| 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 | 0.0663% | 3,974 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0408% | 8,225 |
| Percentage Net Loans Charged-off:Construction & development | 0.0785% | 532 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1436% | 667 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.6432% | 6,286 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.5077% | 8,471 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.5493% | 8,446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9698% | 1,040 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2350% | 8,015 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9804% | 913 |
| 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 | 0.0940% | 2,822 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0522% | 8,245 |
| Percentage Net Loans Charged-off:Construction & development | 0.1053% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1966% | 450 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.8572% | 6,278 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.6797% | 8,531 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.7332% | 8,506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3177% | 620 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2755% | 7,974 |
| 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 | 0.0453% | 3,545 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1679% | 8,486 |
| Percentage Net Loans Charged-off:Construction & development | 0.0072% | 428 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1985% | 386 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.2161% | 6,253 |
| Percentage Net Loans Charged-off: 1-4 family residential | -1.0287% | 8,570 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -1.1061% | 8,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6986% | 499 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4575% | 8,099 |
| 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 | 0.4361% | 649 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0375% | 1,117 |
| Percentage Net Loans Charged-off:Construction & development | 0.0151% | 225 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5575% | 139 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | -1.0994% | 8,587 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -1.1802% | 8,563 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4034% | 228 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3353% | 7,689 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| 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 | 1.1461% | 246 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4433% | 52 |
| Percentage Net Loans Charged-off:Construction & development | 0.6851% | 141 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8433% | 52 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2326% | 722 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2390% | 733 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0710% | 7,488 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2653% | 8,568 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| 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 | 1.6974% | 140 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1016% | 30 |
| Percentage Net Loans Charged-off:Construction & development | 0.9635% | 98 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.1597% | 33 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3712% | 388 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3788% | 395 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0619% | 2,993 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.4025% | 8,571 |
| 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 | 0.5068% | 724 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6735% | 155 |
| Percentage Net Loans Charged-off:Construction & development | -0.0050% | 7,695 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3079% | 111 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4622% | 304 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4692% | 318 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1812% | 7,641 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6675% | 8,371 |
| 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 | 0.2489% | 1,323 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3058% | 354 |
| Percentage Net Loans Charged-off:Construction & development | 0.1578% | 147 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1125% | 335 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6774% | 209 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6846% | 217 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2142% | 7,766 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4729% | 2,650 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | -0.4359% | 8,849 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.5209% | 8,807 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.0775% | 8,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3269% | 601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3290% | 610 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7844% | 8,317 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7325% | 979 |
| 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 | -0.3162% | 8,834 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2471% | 8,795 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.7842% | 8,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0288% | 2,164 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0289% | 2,044 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9922% | 8,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5760% | 3,102 |
| 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 | -0.4129% | 8,874 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2885% | 8,823 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.1638% | 8,738 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2083% | 763 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2095% | 747 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.4349% | 8,431 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7221% | 2,513 |
| 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 | -0.7752% | 8,941 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.7711% | 8,930 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.0701% | 8,786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0875% | 8,631 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0880% | 8,621 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.6972% | 8,473 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5492% | 1,190 |
| 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 | 0.0566% | 5,721 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0521% | 2,492 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0018% | 8,321 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0777% | 1,990 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0781% | 1,938 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0027% | 4,741 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2466% | 5,610 |
| 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 | 0.5823% | 1,082 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4317% | 406 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1468% | 768 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7104% | 241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7142% | 269 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6770% | 1,874 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9035% | 842 |
| 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 | 0.6997% | 858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5981% | 275 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3194% | 447 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8994% | 175 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9038% | 189 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9729% | 1,336 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1428% | 1,778 |
| 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 | 0.2111% | 2,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1140% | 998 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1573% | 8,830 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3364% | 482 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3381% | 496 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0239% | 7,375 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6127% | 1,187 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5656% | 366 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3562% | 115 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5524% | 108 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7470% | 251 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3570% | 202 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7495% | 250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3034% | 922 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0220% | 876 |
| 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 | 1.2377% | 525 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4601% | 405 |
| Percentage Net Loans Charged-off:Construction & development | 0.0401% | 709 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7261% | 328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3712% | 519 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3740% | 519 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8520% | 494 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8417% | 469 |
| 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 | 0.2083% | 3,057 |
| 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 | 0.3369% | 2,077 |
| 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 | 0.4916% | 1,498 |
| 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 | 0.4313% | 1,863 |
| 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 | 0.1938% | 4,158 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1714% | 4,297 |
| 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 | 0.1735% | 4,418 |
| 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 | 0.0000% | 9,922 |
| 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 | 0.0292% | 10,375 |
| 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 |