Home > First State Bank > Net charge- offs to loans
First State Bank, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 10.4875% | 51 |
| Percentage Net Loans Charged-off: Total real estate loans | 9.8034% | 54 |
| Percentage Net Loans Charged-off:Construction & development | 27.3996% | 109 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.6405% | 131 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2485% | 430 |
| Percentage Net Loans Charged-off: 1-4 family residential | 8.0828% | 72 |
| Percentage Net Loans Charged-off: Home equity loans | 9.2248% | 77 |
| All other 1-4 family - Percent of loans charged-off, net | 5.9290% | 128 |
| Percentage Net Loans Charged-off: Commercial and industrial | 15.1986% | 133 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8894% | 1,282 |
| 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 | 0.0000% | 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 | 20.9310% | 15 |
| Percentage Net Loans Charged-off: Total real estate loans | 19.6517% | 14 |
| Percentage Net Loans Charged-off:Construction & development | 54.5918% | 30 |
| Percentage Net Loans Charged-off: Commercial real estate | 9.0878% | 43 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4867% | 223 |
| Percentage Net Loans Charged-off: 1-4 family residential | 17.8809% | 18 |
| Percentage Net Loans Charged-off: Home equity loans | 21.3893% | 30 |
| All other 1-4 family - Percent of loans charged-off, net | 11.2146% | 46 |
| Percentage Net Loans Charged-off: Commercial and industrial | 29.6473% | 42 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4165% | 607 |
| 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 | 2.4063% | 417 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6353% | 535 |
| Percentage Net Loans Charged-off:Construction & development | 2.6640% | 907 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1874% | 1,447 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.6003% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.6419% | 46 |
| Percentage Net Loans Charged-off: Home equity loans | 9.8695% | 43 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2597% | 1,800 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9101% | 299 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0385% | 7,540 |
| 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% | 1,901 |
| 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 | 1.2788% | 634 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4748% | 407 |
| Percentage Net Loans Charged-off:Construction & development | 1.7293% | 799 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1107% | 1,200 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.7069% | 77 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.8815% | 32 |
| Percentage Net Loans Charged-off: Home equity loans | 10.0617% | 31 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4001% | 1,021 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7078% | 1,663 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0308% | 7,344 |
| 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 | 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 | 1.1065% | 615 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3702% | 346 |
| Percentage Net Loans Charged-off:Construction & development | 2.6434% | 426 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1642% | 792 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4747% | 74 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.4248% | 47 |
| Percentage Net Loans Charged-off: Home equity loans | 8.0040% | 53 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2292% | 2,228 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0155% | 7,161 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5248% | 1,002 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6678% | 510 |
| Percentage Net Loans Charged-off:Construction & development | 0.1944% | 848 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2613% | 408 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7440% | 72 |
| Percentage Net Loans Charged-off: Home equity loans | 5.5360% | 61 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0207% | 2,117 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0926% | 3,744 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1571% | 3,099 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2051% | 1,319 |
| Percentage Net Loans Charged-off:Construction & development | -0.0062% | 7,618 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0422% | 1,310 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4750% | 155 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1077% | 162 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1063% | 93 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0308% | 7,184 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0371% | 5,544 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1407% | 2,573 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1908% | 950 |
| Percentage Net Loans Charged-off:Construction & development | -0.0083% | 7,605 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0567% | 860 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2816% | 131 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3632% | 293 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8268% | 39 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0266% | 6,994 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1472% | 7,690 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1164% | 2,540 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1581% | 889 |
| Percentage Net Loans Charged-off:Construction & development | -0.0081% | 7,604 |
| 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 | 1.3247% | 121 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 3.3887% | 29 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0329% | 6,996 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1025% | 7,345 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0105% | 6,960 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0013% | 7,457 |
| Percentage Net Loans Charged-off:Construction & development | -0.0079% | 7,607 |
| 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 | -0.0327% | 6,977 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1170% | 7,108 |
| 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 | 0.0763% | 3,757 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0023% | 7,629 |
| Percentage Net Loans Charged-off:Construction & development | -0.0100% | 7,705 |
| 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 | -0.0050% | 7,812 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0097% | 5,997 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4205% | 1,783 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4823% | 2,967 |
| 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 | 0.0839% | 3,014 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 7,552 |
| Percentage Net Loans Charged-off:Construction & development | -0.0080% | 7,698 |
| 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 | -0.0066% | 7,814 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0133% | 5,996 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5849% | 1,186 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0238% | 7,196 |
| 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 | 0.1366% | 2,026 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0034% | 7,619 |
| Percentage Net Loans Charged-off:Construction & development | -0.0124% | 7,698 |
| 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 | -0.0097% | 7,891 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0201% | 5,983 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9287% | 803 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0565% | 4,506 |
| 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 | 0.2503% | 1,085 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0041% | 7,672 |
| Percentage Net Loans Charged-off:Construction & development | -0.0086% | 7,665 |
| 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 | -0.0193% | 8,043 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0432% | 5,988 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6574% | 425 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1603% | 3,273 |
| 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 | 0.0231% | 5,578 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 7,623 |
| Percentage Net Loans Charged-off:Construction & development | -0.0156% | 7,742 |
| 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 | 0.0314% | 575 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0289% | 8,207 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0598% | 3,598 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6395% | 2,956 |
| 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 | 0.0135% | 5,470 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0024% | 7,572 |
| Percentage Net Loans Charged-off:Construction & development | -0.0186% | 7,738 |
| 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 | 0.0436% | 439 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0411% | 8,237 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0854% | 2,850 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1032% | 5,187 |
| 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% | 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 | -0.0174% | 7,562 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 2,456 |
| Percentage Net Loans Charged-off:Construction & development | -0.0151% | 7,712 |
| 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 | 0.0334% | 1,682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0712% | 321 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1304% | 7,517 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| 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 | -0.0184% | 7,283 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0041% | 7,751 |
| Percentage Net Loans Charged-off:Construction & development | -0.0335% | 7,771 |
| 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 | -0.0859% | 7,390 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0702% | 7,178 |
| 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 | 0.1663% | 3,149 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0080% | 3,521 |
| Percentage Net Loans Charged-off:Construction & development | -0.0655% | 7,926 |
| 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 | 0.0971% | 1,618 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2389% | 269 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0234% | 8,257 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4034% | 2,382 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2748% | 334 |
| 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 | 0.6711% | 706 |
| 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 | 0.0704% | 4,219 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0195% | 2,645 |
| 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 | 0.1337% | 1,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3304% | 176 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0321% | 8,335 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0449% | 7,312 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0694% | 671 |
| 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 | 0.9625% | 508 |
| 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 | -0.0169% | 7,767 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0303% | 2,067 |
| 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 | 0.2053% | 769 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5126% | 124 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0489% | 8,452 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0872% | 7,485 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8502% | 8,689 |
| 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 | -0.0173% | 7,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0619% | 1,249 |
| 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 | 0.4087% | 378 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0386% | 64 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0960% | 8,641 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1173% | 7,630 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.5116% | 8,776 |
| 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 | 0.3110% | 2,396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2041% | 1,090 |
| Percentage Net Loans Charged-off:Construction & development | 1.5651% | 147 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0153% | 6,479 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3303% | 714 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5352% | 448 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4430% | 2,777 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3942% | 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% | 1,856 |
| 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 | 0.2963% | 2,167 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2108% | 887 |
| Percentage Net Loans Charged-off:Construction & development | 2.1341% | 101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0201% | 6,468 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0145% | 8,390 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0228% | 8,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2469% | 2,940 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9981% | 404 |
| 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 | 0.4264% | 1,452 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0132% | 8,348 |
| Percentage Net Loans Charged-off:Construction & development | -0.0721% | 8,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0287% | 6,420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0230% | 8,501 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0356% | 8,603 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2156% | 697 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1594% | 5,220 |
| 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 | 0.4383% | 1,272 |
| 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 | 2.1307% | 566 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1080% | 7,979 |
| 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% | 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 | 0.0920% | 5,298 |
| 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 | 0.3782% | 3,148 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4531% | 4,525 |
| 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% | 1,956 |
| 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 | 0.4568% | 1,799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0371% | 2,651 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0568% | 1,106 |
| 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 | 1.2218% | 1,546 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.1418% | 244 |
| 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 | 0.3212% | 2,123 |
| 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 | 0.0000% | 7,897 |
| 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 | 0.7597% | 869 |
| 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 | 0.0862% | 5,803 |
| 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 | 0.4590% | 1,926 |
| 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 | -0.0708% | 10,928 |
| 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 | 0.4935% | 1,826 |
| 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 | 2.1050% | 427 |
| 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 | 0.9764% | 2,146 |
| 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 |