Home > Grand Haven Bank > Net charge- offs to loans
Grand Haven Bank, Net charge- offs to loans
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.2414% | 260 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.4665% | 180 |
| Percentage Net Loans Charged-off:Construction & development | 7.0971% | 324 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6196% | 167 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7489% | 180 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8984% | 266 |
| All other 1-4 family - Percent of loans charged-off, net | 2.9853% | 173 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5648% | 808 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8774% | 2,561 |
| 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 | 3.9096% | 120 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1143% | 67 |
| Percentage Net Loans Charged-off:Construction & development | 6.9850% | 217 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.4846% | 81 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.6268% | 91 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5613% | 160 |
| All other 1-4 family - Percent of loans charged-off, net | 3.9146% | 87 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3305% | 438 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4424% | 1,266 |
| 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 | 1.2299% | 536 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1624% | 426 |
| Percentage Net Loans Charged-off:Construction & development | 1.6237% | 574 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0984% | 8,031 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.1195% | 102 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4314% | 111 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0392% | 107 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6516% | 725 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.7873% | 8,211 |
| 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 | 1.3148% | 390 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6909% | 199 |
| Percentage Net Loans Charged-off:Construction & development | 1.1958% | 414 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1945% | 8,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.5829% | 34 |
| Percentage Net Loans Charged-off: Home equity loans | 5.4513% | 62 |
| All other 1-4 family - Percent of loans charged-off, net | 5.6158% | 34 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1850% | 1,656 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.5442% | 8,230 |
| 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 | 0.6713% | 778 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6968% | 386 |
| Percentage Net Loans Charged-off:Construction & development | 0.8656% | 491 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3417% | 594 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3544% | 173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5331% | 299 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5732% | 142 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5714% | 1,743 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7428% | 2,235 |
| 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 | 0.7904% | 453 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7787% | 192 |
| Percentage Net Loans Charged-off:Construction & development | 0.7321% | 296 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3943% | 344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7468% | 80 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7076% | 172 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0322% | 71 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8398% | 1,045 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8042% | 1,730 |
| 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 | 0.4645% | 774 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5129% | 291 |
| Percentage Net Loans Charged-off:Construction & development | -0.1065% | 7,704 |
| 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 | 2.3093% | 44 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6279% | 165 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8036% | 36 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0256% | 6,922 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9902% | 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% | 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 | 0.2460% | 1,203 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3412% | 368 |
| 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 | 1.4536% | 112 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9096% | 76 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0177% | 6,809 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.8259% | 8,346 |
| 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 | 0.2657% | 1,537 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4798% | 280 |
| Percentage Net Loans Charged-off:Construction & development | 0.5622% | 207 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2009% | 557 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9715% | 126 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2016% | 313 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2597% | 91 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8724% | 8,115 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2807% | 451 |
| 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 | 0.1348% | 2,206 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3960% | 253 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2083% | 436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2099% | 68 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0202% | 6,013 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6820% | 42 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2291% | 8,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1429% | 442 |
| 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 | 0.1676% | 1,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5990% | 160 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3127% | 298 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8300% | 45 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0294% | 6,002 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5719% | 27 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.8743% | 8,239 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4937% | 778 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| 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 | 0.6259% | 441 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6895% | 109 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7750% | 30 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 3.9407% | 17 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.7727% | 172 |
| 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 | 0.8090% | 414 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4049% | 290 |
| Percentage Net Loans Charged-off:Construction & development | 0.0639% | 463 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3418% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.3107% | 33 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4051% | 390 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2457% | 6,110 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7102% | 206 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3014% | 510 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4088% | 482 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.8757% | 335 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4379% | 248 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2710% | 406 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.3638% | 21 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5470% | 253 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3270% | 6,076 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9655% | 135 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6544% | 356 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4676% | 3,237 |
| 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 | 0.7695% | 446 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4905% | 223 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4122% | 279 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.2528% | 15 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1599% | 828 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6867% | 6,019 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5646% | 264 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8433% | 559 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8937% | 1,766 |
| 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 | 0.8989% | 372 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9463% | 95 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9716% | 113 |
| Percentage Net Loans Charged-off: Multi-family residential | 12.1413% | 4 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0879% | 8,454 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2656% | 5,994 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8189% | 795 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1946% | 7,646 |
| 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 | 1.3293% | 303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4292% | 383 |
| Percentage Net Loans Charged-off:Construction & development | 1.1625% | 124 |
| 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 | 0.6344% | 277 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6407% | 118 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6315% | 285 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2837% | 287 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0823% | 1,883 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6402% | 720 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4696% | 304 |
| Percentage Net Loans Charged-off:Construction & development | 1.2043% | 109 |
| 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 | 0.7162% | 221 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4376% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8467% | 180 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1493% | 1,002 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8040% | 2,374 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7233% | 624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5349% | 263 |
| Percentage Net Loans Charged-off:Construction & development | 1.7911% | 78 |
| 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 | 0.4391% | 377 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6544% | 104 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3371% | 514 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3461% | 821 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2052% | 4,593 |
| 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 | 1.7829% | 220 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9624% | 141 |
| Percentage Net Loans Charged-off:Construction & development | 3.6569% | 49 |
| 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 | 0.4298% | 363 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3041% | 53 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2573% | 251 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6656% | 2,498 |
| 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 | 0.4514% | 1,640 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0660% | 2,261 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0732% | 8,643 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3024% | 781 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4002% | 592 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3330% | 1,356 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1776% | 729 |
| 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 | 0.1986% | 3,001 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0744% | 1,801 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0941% | 8,717 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3558% | 568 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4611% | 449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4766% | 2,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8218% | 2,649 |
| 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 | 0.0690% | 4,558 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0423% | 1,969 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1382% | 8,772 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3197% | 588 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4069% | 491 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2143% | 1,657 |
| 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 | 0.1290% | 2,988 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0713% | 1,263 |
| 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 | 0.2256% | 641 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2848% | 556 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3927% | 709 |
| 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 | 0.1266% | 4,680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1421% | 1,452 |
| Percentage Net Loans Charged-off:Construction & development | 0.2813% | 446 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0808% | 1,135 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1750% | 1,161 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0189% | 566 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2205% | 993 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0722% | 4,416 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1776% | 6,141 |
| 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 | 0.0908% | 5,264 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0880% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0912% | 596 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2001% | 935 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2160% | 297 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1953% | 934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0794% | 4,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1941% | 6,029 |
| 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 | 0.0940% | 4,746 |
| 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 | 0.1105% | 4,604 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,132 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,512 |
| 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 | 0.0000% | 8,805 |
| 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 | 0.0000% | 8,856 |
| 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 |