Home > Guaranty Bank and Trust Company > Net charge- offs to loans
Guaranty Bank and Trust Company, Net charge- offs to loans
| 2018-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0222% | 2,979 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0171% | 4,547 |
| Percentage Net Loans Charged-off:Construction & development | -0.0470% | 4,508 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0072% | 4,552 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 128 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0443% | 4,856 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0013% | 3,482 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0522% | 4,903 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0141% | 2,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8321% | 994 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8321% | 904 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2018-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0197% | 2,751 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0188% | 4,567 |
| Percentage Net Loans Charged-off:Construction & development | -0.0579% | 4,581 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0094% | 4,637 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0420% | 4,866 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0017% | 465 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0501% | 4,920 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0186% | 1,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8466% | 894 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8466% | 804 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2018-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0153% | 2,632 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0279% | 4,760 |
| Percentage Net Loans Charged-off:Construction & development | -0.0799% | 4,684 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0141% | 4,784 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0635% | 5,026 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0127% | 3,642 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0734% | 5,065 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0120% | 1,544 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8663% | 830 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8663% | 742 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2018-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0124% | 2,311 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0243% | 4,805 |
| Percentage Net Loans Charged-off:Construction & development | -0.1490% | 4,859 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0017% | 4,662 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0636% | 5,096 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0049% | 3,665 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0753% | 5,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0195% | 1,042 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8942% | 863 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8942% | 768 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2017-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0378% | 3,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 2,297 |
| Percentage Net Loans Charged-off:Construction & development | -0.0459% | 4,656 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0184% | 1,124 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 180 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0138% | 2,126 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0107% | 3,771 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0190% | 1,939 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1670% | 1,604 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0330% | 3,508 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5378% | 587 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0283% | 3,395 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 42 |
| 2017-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0546% | 2,358 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0190% | 1,821 |
| Percentage Net Loans Charged-off:Construction & development | -0.0333% | 4,641 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0258% | 831 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0210% | 1,768 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0095% | 3,779 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0275% | 1,605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2247% | 1,166 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1890% | 2,551 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 650 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1913% | 2,393 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2017-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0262% | 2,689 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0065% | 1,856 |
| Percentage Net Loans Charged-off:Construction & development | -0.0403% | 4,709 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0024% | 799 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 105 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0349% | 1,391 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0117% | 3,798 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0450% | 1,250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0593% | 1,438 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0357% | 2,971 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 579 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0363% | 2,832 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2017-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0126% | 2,558 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 4,098 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 224 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0003% | 540 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0058% | 4,555 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0092% | 3,877 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0050% | 4,572 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0023% | 3,943 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0219% | 4,740 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0224% | 4,679 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 25 |
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0051% | 4,809 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0070% | 4,698 |
| Percentage Net Loans Charged-off:Construction & development | 0.0719% | 429 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0032% | 4,780 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 220 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0320% | 5,237 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0524% | 4,113 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0276% | 5,212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0003% | 2,425 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1590% | 2,954 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0407% | 493 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1005% | 3,091 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0321% | 5,115 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1549% | 1,202 |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0166% | 4,949 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0017% | 4,361 |
| Percentage Net Loans Charged-off:Construction & development | 0.1648% | 292 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0023% | 4,760 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0325% | 5,249 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0659% | 4,162 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0253% | 5,189 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0498% | 4,717 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0193% | 4,933 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0218% | 4,879 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4303% | 5,367 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0464% | 1,178 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0026% | 4,402 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0153% | 2,044 |
| Percentage Net Loans Charged-off:Construction & development | 0.4700% | 172 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0020% | 4,844 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0240% | 5,177 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0160% | 4,013 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0257% | 5,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0727% | 4,879 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1303% | 5,231 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1303% | 5,164 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2607% | 5,402 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0020% | 4,119 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0445% | 1,222 |
| Percentage Net Loans Charged-off:Construction & development | 0.9382% | 90 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0020% | 4,963 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0207% | 5,155 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0127% | 4,018 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0224% | 5,229 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1563% | 5,270 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2014% | 5,288 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2014% | 5,228 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.9383% | 5,477 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0249% | 5,339 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0192% | 5,195 |
| Percentage Net Loans Charged-off:Construction & development | -0.0188% | 4,758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0068% | 5,090 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0573% | 5,653 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1460% | 4,412 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0335% | 5,515 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0604% | 4,903 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4176% | 5,808 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4176% | 5,767 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0716% | 1,118 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0243% | 5,268 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0117% | 5,056 |
| Percentage Net Loans Charged-off:Construction & development | -0.0157% | 4,820 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 4,987 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0401% | 5,603 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0373% | 4,246 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0409% | 5,619 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0748% | 4,986 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4414% | 5,834 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4414% | 5,792 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0948% | 5,439 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0340% | 5,377 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0100% | 5,031 |
| Percentage Net Loans Charged-off:Construction & development | -0.0100% | 4,820 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0031% | 5,166 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0285% | 5,547 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0467% | 4,328 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0232% | 5,507 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1046% | 5,156 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5612% | 5,919 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5612% | 5,876 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4054% | 5,611 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0085% | 4,655 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0082% | 4,985 |
| Percentage Net Loans Charged-off:Construction & development | 0.0082% | 355 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0030% | 5,300 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0213% | 5,450 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0268% | 4,303 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0197% | 5,454 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0221% | 4,552 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7346% | 5,989 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7346% | 5,948 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1634% | 594 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1029% | 6,117 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1463% | 6,197 |
| Percentage Net Loans Charged-off:Construction & development | -0.3357% | 5,516 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1260% | 6,049 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1740% | 6,208 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1014% | 4,586 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1967% | 6,207 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1350% | 2,048 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3221% | 2,337 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3221% | 2,197 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2121% | 5,708 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1266% | 6,199 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1859% | 6,299 |
| Percentage Net Loans Charged-off:Construction & development | -0.4216% | 5,622 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1568% | 6,151 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2271% | 6,294 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1243% | 4,653 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2598% | 6,298 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1847% | 1,617 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0750% | 3,265 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0750% | 3,120 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1169% | 5,685 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1648% | 6,299 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2601% | 6,412 |
| Percentage Net Loans Charged-off:Construction & development | -0.6333% | 5,744 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2139% | 6,263 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3205% | 6,412 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1147% | 4,656 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3878% | 6,424 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2798% | 1,252 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1629% | 5,714 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1629% | 5,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1778% | 753 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1643% | 6,320 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3206% | 6,489 |
| Percentage Net Loans Charged-off:Construction & development | -0.0270% | 5,289 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4325% | 6,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2141% | 6,409 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2079% | 4,747 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2162% | 6,389 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5968% | 625 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6353% | 1,257 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6353% | 1,144 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2732% | 531 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3579% | 1,888 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3421% | 1,599 |
| Percentage Net Loans Charged-off:Construction & development | -0.3619% | 5,802 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6968% | 807 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3333% | 6,602 |
| Percentage Net Loans Charged-off: Home equity loans | -0.7656% | 4,971 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1448% | 6,478 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5046% | 1,535 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0471% | 4,004 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0471% | 3,861 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0409% | 1,297 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5290% | 1,214 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5365% | 1,003 |
| Percentage Net Loans Charged-off:Construction & development | -0.2781% | 5,809 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9242% | 594 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1476% | 6,534 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1446% | 4,886 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1491% | 6,515 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5492% | 1,306 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0926% | 3,441 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0926% | 3,297 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2320% | 811 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8253% | 760 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8397% | 653 |
| Percentage Net Loans Charged-off:Construction & development | -0.3894% | 5,902 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3969% | 400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2005% | 6,614 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1705% | 4,903 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2163% | 6,605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8487% | 960 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1373% | 5,825 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1373% | 5,772 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3744% | 628 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3697% | 1,534 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1521% | 1,985 |
| Percentage Net Loans Charged-off:Construction & development | 0.8346% | 588 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2451% | 919 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.6155% | 6,804 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0556% | 4,782 |
| All other 1-4 family - Percent of loans charged-off, net | -0.9476% | 6,823 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8139% | 461 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4972% | 6,065 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6718% | 1,753 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1892% | 3,331 |
| Percentage Net Loans Charged-off:Construction & development | -0.8060% | 6,284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2728% | 2,038 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1965% | 5,533 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1649% | 3,221 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4256% | 1,112 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0163% | 6,526 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5283% | 448 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7568% | 1,743 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7568% | 1,612 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1762% | 507 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9091% | 1,195 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2699% | 2,719 |
| Percentage Net Loans Charged-off:Construction & development | -1.2692% | 6,388 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3610% | 1,624 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3231% | 2,279 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6914% | 784 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0591% | 3,538 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6528% | 308 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9088% | 1,398 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9088% | 1,277 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6317% | 395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2393% | 869 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2460% | 2,693 |
| Percentage Net Loans Charged-off:Construction & development | -2.1323% | 6,460 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3124% | 1,580 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6494% | 1,366 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3131% | 466 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1535% | 2,698 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.8860% | 217 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3360% | 960 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3360% | 866 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.5368% | 280 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0239% | 460 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5677% | 1,469 |
| Percentage Net Loans Charged-off:Construction & development | -2.5303% | 6,474 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7289% | 808 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1346% | 2,412 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2209% | 5,180 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4205% | 1,504 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.7891% | 149 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1732% | 994 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1732% | 896 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.5713% | 174 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5364% | 1,032 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7557% | 817 |
| Percentage Net Loans Charged-off:Construction & development | 3.6985% | 1,236 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3819% | 897 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.0065% | 270 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8200% | 1,495 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4264% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1766% | 1,054 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3916% | 2,962 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1867% | 1,437 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1090% | 1,317 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3836% | 497 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7771% | 758 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0267% | 590 |
| Percentage Net Loans Charged-off:Construction & development | 3.9820% | 1,039 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6761% | 632 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.5102% | 236 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7727% | 1,489 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2898% | 1,313 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2234% | 958 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3884% | 2,611 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2723% | 1,224 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1734% | 1,099 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9147% | 382 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9422% | 700 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2602% | 534 |
| Percentage Net Loans Charged-off:Construction & development | 3.0153% | 1,135 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2291% | 469 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.8004% | 167 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0600% | 3,616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1071% | 1,340 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0157% | 3,734 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5717% | 2,071 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4461% | 1,050 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3154% | 933 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9067% | 511 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7430% | 1,731 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9159% | 1,272 |
| Percentage Net Loans Charged-off:Construction & development | -0.5557% | 6,653 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2702% | 1,367 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.3821% | 64 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5538% | 1,460 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0875% | 528 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0441% | 2,708 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0045% | 2,375 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5682% | 920 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4163% | 790 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1421% | 767 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8688% | 602 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2748% | 427 |
| Percentage Net Loans Charged-off:Construction & development | 7.5557% | 834 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3410% | 516 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.5409% | 366 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5595% | 887 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9142% | 500 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2562% | 1,120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7967% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3638% | 1,635 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.8405% | 457 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0476% | 163 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3656% | 737 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8374% | 513 |
| Percentage Net Loans Charged-off:Construction & development | 8.7688% | 634 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5190% | 794 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4097% | 709 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1987% | 1,050 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3099% | 662 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1062% | 1,131 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7625% | 2,525 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4909% | 1,406 |
| 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 | -0.1779% | 6,623 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0624% | 139 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4199% | 723 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8637% | 506 |
| Percentage Net Loans Charged-off:Construction & development | 11.9682% | 397 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3756% | 1,674 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0232% | 700 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0423% | 1,142 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9973% | 437 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2641% | 2,418 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8664% | 2,148 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9131% | 1,072 |
| 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 | 0.2575% | 1,049 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0995% | 105 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0710% | 1,558 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0751% | 1,296 |
| Percentage Net Loans Charged-off:Construction & development | 4.1964% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0454% | 1,752 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0449% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1997% | 892 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1505% | 362 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4262% | 1,619 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2356% | 1,423 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1411% | 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 | 0.2243% | 875 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0814% | 69 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6342% | 855 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0123% | 630 |
| Percentage Net Loans Charged-off:Construction & development | 9.2376% | 662 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5208% | 1,724 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1943% | 809 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2092% | 1,099 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6779% | 571 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8630% | 1,377 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1441% | 2,685 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7167% | 1,596 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.8422% | 582 |
| 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 | 2.8881% | 601 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3248% | 423 |
| Percentage Net Loans Charged-off:Construction & development | 9.9699% | 481 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5904% | 1,221 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2597% | 570 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3046% | 848 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8536% | 451 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9101% | 1,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0695% | 2,280 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1745% | 1,151 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.6838% | 424 |
| 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 | 2.6347% | 640 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0932% | 433 |
| Percentage Net Loans Charged-off:Construction & development | 9.2658% | 470 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1825% | 1,588 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3907% | 399 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8063% | 551 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1605% | 335 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5619% | 638 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8899% | 2,124 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5739% | 901 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.0874% | 408 |
| 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 | 2.2028% | 657 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.9355% | 375 |
| Percentage Net Loans Charged-off:Construction & development | 9.0594% | 333 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0698% | 1,180 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7885% | 201 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6385% | 1,047 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2159% | 713 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9108% | 767 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1414% | 2,428 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6266% | 834 |
| 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 | 0.2393% | 911 |
| 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 | 0.8090% | 1,542 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9897% | 933 |
| Percentage Net Loans Charged-off:Construction & development | 2.7315% | 891 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0536% | 1,976 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6488% | 966 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5300% | 681 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6967% | 853 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2819% | 3,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0703% | 2,125 |
| 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 | 0.0035% | 1,890 |
| 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 | 1.0078% | 839 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2608% | 483 |
| Percentage Net Loans Charged-off:Construction & development | 3.5978% | 453 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0445% | 1,459 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6814% | 689 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8440% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6222% | 695 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2496% | 2,669 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7368% | 2,482 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0172% | 1,563 |
| 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 | 0.1099% | 3,698 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1147% | 2,242 |
| Percentage Net Loans Charged-off:Construction & development | 0.0994% | 1,463 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0325% | 1,148 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2926% | 1,159 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1312% | 276 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0266% | 2,357 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0673% | 2,813 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8747% | 1,923 |
| 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 | 0.0469% | 1,288 |
| 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 | 0.1211% | 2,779 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0947% | 1,733 |
| Percentage Net Loans Charged-off:Construction & development | 0.0953% | 967 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0130% | 7,919 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3263% | 811 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9257% | 140 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1270% | 8,132 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1512% | 1,723 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7764% | 868 |
| 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 | 0.0374% | 986 |
| 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 | 0.1804% | 2,836 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2149% | 1,269 |
| Percentage Net Loans Charged-off:Construction & development | 0.2598% | 901 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1391% | 949 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1643% | 6,251 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3626% | 747 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4602% | 572 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1048% | 3,206 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6597% | 2,487 |
| 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 | -0.0120% | 6,856 |
| 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 | 0.1438% | 2,536 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1898% | 954 |
| Percentage Net Loans Charged-off:Construction & development | 0.3258% | 486 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0629% | 840 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2438% | 6,212 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2952% | 681 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3777% | 512 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0015% | 6,708 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1768% | 4,219 |
| 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 | -0.0151% | 6,871 |
| 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 | 0.1977% | 1,732 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2603% | 600 |
| Percentage Net Loans Charged-off:Construction & development | 0.4591% | 278 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1257% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3250% | 6,195 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1642% | 900 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2122% | 709 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0070% | 2,694 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0829% | 7,254 |
| 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 | 0.0886% | 1,112 |
| 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 | 0.1129% | 2,061 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1704% | 634 |
| Percentage Net Loans Charged-off:Construction & development | -0.0610% | 7,670 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2214% | 250 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.7122% | 6,145 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1262% | 803 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1653% | 660 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0627% | 7,201 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6459% | 8,051 |
| 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 | 0.4442% | 564 |
| 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 | 0.1153% | 2,995 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0889% | 1,432 |
| Percentage Net Loans Charged-off:Construction & development | -0.0095% | 7,703 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1330% | 695 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2720% | 615 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2324% | 296 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2822% | 601 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1930% | 2,498 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4613% | 3,055 |
| 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 | 0.1398% | 2,152 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1044% | 1,045 |
| Percentage Net Loans Charged-off:Construction & development | -0.0077% | 7,695 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1905% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2198% | 635 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3053% | 178 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1984% | 685 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2513% | 1,812 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5102% | 2,481 |
| 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 | 0.1511% | 1,888 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1097% | 914 |
| Percentage Net Loans Charged-off:Construction & development | -0.0077% | 7,681 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2315% | 351 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1566% | 794 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4523% | 111 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0829% | 1,084 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2929% | 1,492 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4193% | 2,643 |
| 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 | 0.2687% | 1,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1818% | 472 |
| Percentage Net Loans Charged-off:Construction & development | -0.0107% | 7,671 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4435% | 161 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1235% | 695 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1534% | 588 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5894% | 784 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2494% | 2,930 |
| 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 | 0.1703% | 2,621 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1206% | 1,125 |
| Percentage Net Loans Charged-off:Construction & development | -0.0148% | 7,740 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0236% | 1,144 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7209% | 188 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7960% | 98 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7009% | 209 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3027% | 2,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0313% | 1,788 |
| 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 | -0.0271% | 7,043 |
| 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 | 0.0727% | 3,652 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1154% | 1,021 |
| Percentage Net Loans Charged-off:Construction & development | -0.0199% | 7,743 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0066% | 984 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7299% | 172 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2199% | 223 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8693% | 159 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0626% | 7,314 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3235% | 3,936 |
| 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 | -0.0364% | 7,103 |
| 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 | 0.0830% | 3,191 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1407% | 808 |
| Percentage Net Loans Charged-off:Construction & development | -0.0310% | 7,745 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0094% | 746 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9005% | 153 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1602% | 119 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0931% | 7,402 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2882% | 3,731 |
| 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 | -0.0351% | 7,645 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0200% | 1,489 |
| Percentage Net Loans Charged-off:Construction & development | -0.0017% | 7,705 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0254% | 441 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0577% | 1,097 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0759% | 936 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1832% | 7,712 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3190% | 3,137 |
| 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 | 0.2629% | 2,180 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0771% | 1,881 |
| Percentage Net Loans Charged-off:Construction & development | -0.0058% | 7,832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0018% | 8,114 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3548% | 543 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7190% | 56 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0260% | 2,479 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7961% | 1,598 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0541% | 6,300 |
| 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 | 0.0512% | 4,676 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0115% | 2,881 |
| Percentage Net Loans Charged-off:Construction & development | -0.0076% | 7,845 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0024% | 8,164 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0667% | 1,679 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3182% | 184 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0102% | 2,367 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1714% | 2,694 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0418% | 7,866 |
| 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 | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0778% | 3,794 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0173% | 2,303 |
| Percentage Net Loans Charged-off:Construction & development | -0.0117% | 7,836 |
| 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 | 0.1002% | 1,212 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5102% | 125 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0073% | 2,023 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2583% | 2,056 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0618% | 7,765 |
| 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 | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0144% | 4,647 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0195% | 1,655 |
| Percentage Net Loans Charged-off:Construction & development | -0.0281% | 7,854 |
| 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 | 0.1419% | 820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6776% | 75 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0156% | 1,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0037% | 2,135 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0409% | 7,377 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0134% | 6,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0299% | 2,976 |
| Percentage Net Loans Charged-off:Construction & development | 0.0168% | 765 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0209% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0789% | 1,969 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2140% | 290 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0431% | 2,380 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0514% | 7,838 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3687% | 4,908 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0118% | 6,463 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0251% | 2,622 |
| Percentage Net Loans Charged-off:Construction & development | 0.0219% | 606 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0280% | 1,107 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0314% | 2,230 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0116% | 480 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0364% | 2,068 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0507% | 7,712 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4648% | 3,987 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0149% | 8,105 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0024% | 7,995 |
| Percentage Net Loans Charged-off:Construction & development | 0.0322% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0570% | 8,686 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0070% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0173% | 382 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0044% | 2,222 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0858% | 7,810 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6148% | 3,150 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0046% | 7,410 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0330% | 1,588 |
| Percentage Net Loans Charged-off:Construction & development | 0.0641% | 271 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0022% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0181% | 1,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0229% | 1,352 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1602% | 7,982 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8138% | 2,342 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1554% | 4,232 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0841% | 2,002 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0209% | 8,653 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5015% | 430 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4986% | 159 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5023% | 435 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3549% | 3,230 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9388% | 2,569 |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0852% | 5,369 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0991% | 1,671 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1084% | 917 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3240% | 602 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5454% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0172% | 2,628 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0483% | 4,473 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| 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 | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0043% | 8,721 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0019% | 1,275 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0109% | 1,397 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0131% | 1,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0085% | 1,301 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0920% | 1,511 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1967% | 1,303 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0253% | 6,862 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0100% | 841 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0656% | 415 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0752% | 367 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0413% | 901 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7263% | 613 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0263% | 7,117 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 971 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0432% | 867 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8142% | 596 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7495% | 662 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0516% | 6,694 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0602% | 469 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2927% | 86 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3178% | 76 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0386% | 815 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0249% | 1,299 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0274% | 10,266 |
| 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 | -0.0626% | 10,853 |
| 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 | -0.0712% | 11,165 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0308% | 8,843 |
| 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 | 0.1926% | 7,366 |
| 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 |