Home > Franklin Community Bank > Net charge- offs to loans
Franklin Community Bank, Net charge- offs to loans
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0478% | 277 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0023% | 209 |
| Percentage Net Loans Charged-off:Construction & development | 0.2075% | 798 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5224% | 235 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1372% | 5,067 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8446% | 315 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9286% | 229 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8315% | 348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7131% | 474 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0796% | 5,605 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0796% | 5,535 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2612% | 1,493 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2334% | 1,204 |
| Percentage Net Loans Charged-off:Construction & development | 0.2634% | 658 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0875% | 1,360 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1832% | 5,130 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4018% | 821 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3565% | 4,753 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5192% | 586 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6859% | 849 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6200% | 6,197 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6200% | 6,165 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3501% | 1,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2901% | 1,042 |
| Percentage Net Loans Charged-off:Construction & development | 0.4085% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0043% | 5,495 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2759% | 5,167 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5875% | 578 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5426% | 4,810 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7599% | 425 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1483% | 587 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6011% | 6,213 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6011% | 6,168 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3181% | 1,115 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2384% | 1,059 |
| Percentage Net Loans Charged-off:Construction & development | 0.2688% | 435 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0085% | 5,714 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3362% | 5,190 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5202% | 614 |
| Percentage Net Loans Charged-off: Home equity loans | -1.1347% | 4,869 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7627% | 420 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3078% | 406 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2983% | 5,898 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2983% | 5,848 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4572% | 334 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1987% | 359 |
| Percentage Net Loans Charged-off:Construction & development | 3.1704% | 404 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1570% | 1,854 |
| Percentage Net Loans Charged-off: Multi-family residential | 13.3895% | 28 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6022% | 929 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1510% | 1,142 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6662% | 825 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.1175% | 265 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0885% | 267 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.0885% | 245 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2213% | 443 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2508% | 329 |
| Percentage Net Loans Charged-off:Construction & development | 2.7192% | 433 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 17.8147% | 16 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7268% | 730 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2002% | 961 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8012% | 646 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3450% | 1,622 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.5074% | 117 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 5.5074% | 105 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4158% | 389 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4542% | 296 |
| Percentage Net Loans Charged-off:Construction & development | 2.8701% | 407 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 26.6396% | 11 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5306% | 1,020 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2961% | 774 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5638% | 934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0906% | 2,024 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.3333% | 74 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 8.3333% | 65 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0718% | 563 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9197% | 565 |
| Percentage Net Loans Charged-off:Construction & development | 5.5356% | 206 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3587% | 1,057 |
| Percentage Net Loans Charged-off: Loans to individuals | 18.1644% | 26 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 18.1644% | 23 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8295% | 1,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9133% | 1,111 |
| Percentage Net Loans Charged-off:Construction & development | 1.1011% | 1,442 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,215 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7378% | 436 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0586% | 5,032 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0087% | 367 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0186% | 5,596 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1711% | 3,580 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1711% | 3,416 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7890% | 1,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8815% | 1,118 |
| Percentage Net Loans Charged-off:Construction & development | 1.3874% | 1,214 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5242% | 518 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0761% | 5,079 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7692% | 435 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0249% | 5,599 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7497% | 6,824 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7497% | 6,774 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2488% | 859 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3912% | 666 |
| Percentage Net Loans Charged-off:Construction & development | 2.0674% | 944 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4465% | 283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8347% | 249 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0182% | 5,502 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8969% | 6,873 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.8969% | 6,818 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4046% | 350 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6675% | 275 |
| Percentage Net Loans Charged-off:Construction & development | 3.8984% | 520 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.6448% | 109 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 5.4024% | 93 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.9009% | 6,850 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.9009% | 6,795 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2881% | 1,283 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0870% | 1,480 |
| Percentage Net Loans Charged-off:Construction & development | 3.0176% | 1,393 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4194% | 2,146 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7847% | 1,556 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3772% | 1,387 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8642% | 1,406 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8850% | 600 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4388% | 3,001 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4134% | 2,811 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4032% | 1,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2475% | 1,165 |
| Percentage Net Loans Charged-off:Construction & development | 3.7580% | 1,084 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5497% | 1,595 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6856% | 1,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0414% | 1,639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8156% | 1,390 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4578% | 630 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6996% | 2,041 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6504% | 1,874 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8291% | 756 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5966% | 864 |
| Percentage Net Loans Charged-off:Construction & development | 4.8660% | 839 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8220% | 1,144 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7312% | 1,500 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0598% | 1,386 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8716% | 1,260 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.8270% | 414 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1121% | 1,344 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0129% | 1,188 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9276% | 371 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7713% | 373 |
| Percentage Net Loans Charged-off:Construction & development | 8.3200% | 409 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5370% | 562 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1804% | 838 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0751% | 978 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4243% | 687 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.6377% | 346 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5358% | 6,979 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4670% | 6,978 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| 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 | 0.6032% | 3,220 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5587% | 2,810 |
| Percentage Net Loans Charged-off:Construction & development | 1.4890% | 2,276 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5773% | 2,081 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1719% | 1,667 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6842% | 1,826 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2136% | 2,303 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4602% | 3,546 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7235% | 2,614 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7156% | 2,218 |
| Percentage Net Loans Charged-off:Construction & development | 1.9108% | 1,881 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7368% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2202% | 1,417 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8791% | 1,363 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8703% | 2,383 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5480% | 3,026 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9277% | 1,982 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9692% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 2.7678% | 1,418 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8895% | 1,291 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1468% | 1,048 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5310% | 2,603 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3598% | 3,352 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8792% | 1,799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8823% | 1,501 |
| Percentage Net Loans Charged-off:Construction & development | 3.1504% | 1,013 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4526% | 1,629 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5890% | 1,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0905% | 1,500 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1356% | 6,768 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0933% | 2,232 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9810% | 1,939 |
| Percentage Net Loans Charged-off:Construction & development | 1.3307% | 2,385 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6192% | 1,572 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1284% | 1,174 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4976% | 878 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3301% | 1,669 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8944% | 2,952 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2789% | 4,289 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2670% | 3,255 |
| Percentage Net Loans Charged-off:Construction & development | 0.4333% | 2,570 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2160% | 1,913 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2135% | 2,746 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2837% | 2,310 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3071% | 3,578 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7944% | 2,919 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1116% | 5,042 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1152% | 3,662 |
| Percentage Net Loans Charged-off:Construction & development | 0.2199% | 2,375 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1463% | 1,675 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0193% | 3,684 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0259% | 3,372 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0119% | 6,928 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6176% | 3,179 |
| 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 | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2307% | 3,253 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0918% | 2,961 |
| Percentage Net Loans Charged-off:Construction & development | 0.2687% | 1,623 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0391% | 2,532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0528% | 2,250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5934% | 1,120 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1317% | 3,921 |
| 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 | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2963% | 3,416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2310% | 2,695 |
| Percentage Net Loans Charged-off:Construction & development | 0.1742% | 2,451 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0694% | 501 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4988% | 1,202 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5098% | 693 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4943% | 1,149 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6937% | 2,278 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1098% | 2,034 |
| 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 | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2368% | 3,006 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1473% | 2,490 |
| Percentage Net Loans Charged-off:Construction & development | 0.0206% | 2,167 |
| 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 | 0.4184% | 1,040 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6821% | 458 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3067% | 1,221 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8951% | 1,430 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5522% | 3,071 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0100% | 5,654 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0115% | 3,551 |
| Percentage Net Loans Charged-off:Construction & development | 0.0305% | 1,610 |
| 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 | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0201% | 6,928 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1181% | 4,433 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0342% | 4,046 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0341% | 2,267 |
| Percentage Net Loans Charged-off:Construction & development | 0.0881% | 973 |
| 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 | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2341% | 3,231 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0671% | 4,589 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0629% | 2,625 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1957% | 1,267 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2808% | 470 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1532% | 1,432 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1015% | 3,224 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0909% | 5,195 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0547% | 4,063 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0735% | 1,772 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2306% | 826 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3346% | 308 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1759% | 949 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1350% | 7,508 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0817% | 4,793 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1055% | 2,674 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1029% | 1,192 |
| 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 | 0.3200% | 551 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4908% | 200 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2271% | 680 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1157% | 2,119 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1833% | 3,750 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0152% | 3,906 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0028% | 7,527 |
| 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 | -0.0087% | 7,774 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0135% | 7,823 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1193% | 1,472 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3418% | 2,603 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0163% | 5,490 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0208% | 2,686 |
| Percentage Net Loans Charged-off:Construction & development | -0.0015% | 7,654 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1126% | 748 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0706% | 6,261 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0069% | 2,751 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0110% | 2,478 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0550% | 7,308 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0622% | 5,355 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0026% | 7,202 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0019% | 2,836 |
| Percentage Net Loans Charged-off:Construction & development | -0.0020% | 7,665 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0933% | 6,252 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0155% | 2,139 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0247% | 1,863 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0911% | 7,421 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0862% | 4,734 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0013% | 6,836 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0087% | 2,193 |
| Percentage Net Loans Charged-off:Construction & development | -0.0029% | 7,659 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1376% | 6,233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0421% | 1,482 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0670% | 1,202 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1370% | 7,512 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0135% | 6,984 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0089% | 7,855 |
| Percentage Net Loans Charged-off:Construction & development | -0.0060% | 7,657 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2780% | 6,183 |
| 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 | -0.0803% | 7,235 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0301% | 5,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0232% | 2,625 |
| Percentage Net Loans Charged-off:Construction & development | 0.0020% | 687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1050% | 139 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0591% | 1,885 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1009% | 1,396 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0576% | 7,434 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5760% | 3,241 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0283% | 7,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3885% | 7,975 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| 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 | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0455% | 7,942 |
| 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 | -0.6319% | 8,092 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0865% | 8,103 |
| 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 | -1.1863% | 8,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| 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 | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5737% | 933 |
| 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 | 5.6503% | 181 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6730% | 3,083 |
| 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 | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7835% | 550 |
| 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 | 7.1962% | 106 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9597% | 1,961 |
| 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 | 1.3014% | 300 |
| 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 | 10.9347% | 56 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5173% | 1,127 |
| 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 | 0.0000% | 5,097 |
| 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 | 0.0000% | 4,682 |
| 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 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,967 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,497 |
| 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 | 0.0000% | 6,535 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,001 |
| 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 | 0.0000% | 5,539 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| 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 | 0.0000% | 7,632 |
| 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 | 0.0000% | 4,878 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,113 |
| 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 |