Home > First Georgia Banking Company > Net charge- offs to loans
First Georgia Banking Company, Net charge- offs to loans
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8264% | 1,590 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7724% | 1,449 |
| Percentage Net Loans Charged-off:Construction & development | 2.2252% | 949 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3405% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4826% | 1,588 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5684% | 1,357 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7167% | 1,444 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6072% | 1,902 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5005% | 1,771 |
| Percentage Net Loans Charged-off: All other loans and lease | 7.2874% | 152 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.7447% | 359 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8915% | 302 |
| Percentage Net Loans Charged-off:Construction & development | 7.1015% | 887 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0173% | 624 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.8499% | 430 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7953% | 227 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0277% | 467 |
| All other 1-4 family - Percent of loans charged-off, net | 4.1083% | 230 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6534% | 1,888 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0714% | 645 |
| 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 | 6.7651% | 250 |
| 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 | 1.6541% | 1,197 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7352% | 1,009 |
| Percentage Net Loans Charged-off:Construction & development | 1.8111% | 1,916 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8635% | 1,276 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2027% | 543 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6857% | 391 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6099% | 558 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8763% | 366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4269% | 3,065 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9161% | 1,097 |
| 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 | 2.4229% | 450 |
| 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 | 1.8072% | 1,031 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9150% | 887 |
| Percentage Net Loans Charged-off:Construction & development | 1.8485% | 1,683 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7471% | 1,212 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9248% | 486 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3059% | 302 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8265% | 783 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7458% | 265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2777% | 3,042 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5236% | 1,307 |
| 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 | 3.8800% | 284 |
| 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 | 1.2100% | 1,404 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1999% | 1,195 |
| Percentage Net Loans Charged-off:Construction & development | 0.7047% | 1,599 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2821% | 1,326 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0897% | 297 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5091% | 438 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6047% | 440 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6735% | 419 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8463% | 1,661 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6981% | 1,185 |
| 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 | 3.5301% | 296 |
| 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 | 4.6749% | 301 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6422% | 279 |
| Percentage Net Loans Charged-off:Construction & development | 7.8502% | 795 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.0733% | 327 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.6264% | 366 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.8036% | 278 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0943% | 327 |
| All other 1-4 family - Percent of loans charged-off, net | 3.9426% | 289 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.6127% | 640 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6536% | 950 |
| 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 | 5.6213% | 378 |
| 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 | 2.8057% | 629 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8151% | 542 |
| Percentage Net Loans Charged-off:Construction & development | 4.8602% | 1,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1092% | 756 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9910% | 421 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.0656% | 327 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6097% | 332 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1553% | 323 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6830% | 1,199 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6329% | 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 | 3.0842% | 470 |
| 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 | 1.9391% | 961 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9626% | 779 |
| Percentage Net Loans Charged-off:Construction & development | 3.6515% | 1,036 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4046% | 1,158 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2812% | 428 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1041% | 560 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5118% | 389 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5619% | 1,549 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5980% | 888 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2149% | 697 |
| 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 | 0.8590% | 1,521 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8059% | 1,193 |
| Percentage Net Loans Charged-off:Construction & development | 1.6589% | 1,034 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0674% | 1,186 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8362% | 867 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0010% | 717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8385% | 1,538 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1465% | 1,041 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6685% | 489 |
| 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 | 0.6632% | 1,866 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5198% | 1,651 |
| Percentage Net Loans Charged-off:Construction & development | 0.5746% | 1,928 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5657% | 797 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5772% | 1,083 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2902% | 906 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6337% | 918 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1433% | 989 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6099% | 3,344 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1380% | 728 |
| 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 | 0.2683% | 2,772 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1344% | 2,627 |
| Percentage Net Loans Charged-off:Construction & development | 0.1845% | 1,821 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2302% | 1,586 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2701% | 732 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2225% | 1,497 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2556% | 1,122 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7638% | 2,413 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1669% | 610 |
| 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 | 0.3587% | 1,844 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1857% | 1,811 |
| Percentage Net Loans Charged-off:Construction & development | 0.2515% | 1,247 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3161% | 1,094 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4241% | 491 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2954% | 1,060 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8821% | 654 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7093% | 2,282 |
| 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 | 0.7890% | 658 |
| 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 | 0.2647% | 1,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2199% | 1,178 |
| Percentage Net Loans Charged-off:Construction & development | 0.4158% | 676 |
| 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 | 0.2439% | 955 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2562% | 404 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2415% | 885 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1539% | 1,719 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6411% | 2,124 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6210% | 396 |
| 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 | 0.2756% | 1,982 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1758% | 1,501 |
| Percentage Net Loans Charged-off:Construction & development | 0.0711% | 1,274 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1210% | 1,007 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3808% | 705 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3322% | 432 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3902% | 687 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4625% | 1,963 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6167% | 887 |
| 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 | 0.5799% | 811 |
| 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 | 0.2352% | 1,701 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1242% | 1,292 |
| Percentage Net Loans Charged-off:Construction & development | 0.0972% | 753 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1050% | 695 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1995% | 918 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2559% | 357 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1888% | 910 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3498% | 1,780 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8837% | 611 |
| 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 | 0.4814% | 774 |
| 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 | 0.1070% | 2,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0402% | 1,813 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1258% | 1,050 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1457% | 370 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1220% | 990 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0691% | 2,326 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1368% | 1,111 |
| 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 | 0.6340% | 636 |
| 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 | 0.0966% | 2,246 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0155% | 1,617 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0475% | 1,138 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3074% | 193 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1522% | 1,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9098% | 1,372 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7150% | 308 |
| 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 | 0.2006% | 1,991 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0709% | 1,659 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| 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 | 0.1987% | 831 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2324% | 715 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3435% | 1,999 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3194% | 1,035 |
| 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 | 0.1149% | 2,466 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0203% | 2,248 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0557% | 1,552 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0649% | 1,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1454% | 2,178 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0228% | 1,278 |
| 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 | 0.0571% | 3,263 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0958% | 2,078 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4722% | 2,452 |
| 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 | 0.0643% | 2,588 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1188% | 1,352 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3840% | 2,482 |
| 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 | 0.1787% | 2,527 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0951% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| 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 | 0.2207% | 765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2698% | 641 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0845% | 3,420 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9603% | 1,943 |
| 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 | 0.1586% | 2,360 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0962% | 1,151 |
| Percentage Net Loans Charged-off:Construction & development | 0.0058% | 511 |
| 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 | 0.2145% | 664 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2594% | 592 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1117% | 2,721 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6016% | 2,715 |
| 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 | 0.0903% | 3,023 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| 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 | 0.1405% | 2,224 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2581% | 3,885 |
| 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 | -0.0057% | 6,809 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0466% | 7,092 |
| 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 | 0.0359% | 5,626 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| 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 | 0.0000% | 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 | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2535% | 5,135 |
| 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 | 0.0240% | 5,456 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| 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 | 0.0000% | 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 | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1607% | 5,190 |
| 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% | 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 | 0.0309% | 4,874 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| 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 | 0.0000% | 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 | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1942% | 4,651 |
| 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 | 0.0319% | 4,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1857% | 4,007 |
| 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 | 0.0000% | 7,416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| 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 | 0.0000% | 4,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,896 |
| 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 |