Home > Heritage Bank > Net charge- offs to loans
Heritage Bank, Net charge- offs to loans
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4508% | 842 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3840% | 369 |
| Percentage Net Loans Charged-off:Construction & development | 0.3894% | 258 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5326% | 64 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3022% | 242 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5820% | 32 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6968% | 1,325 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1389% | 491 |
| 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 | 0.5654% | 747 |
| 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 | 0.4273% | 716 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3862% | 264 |
| Percentage Net Loans Charged-off:Construction & development | 0.5274% | 135 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2643% | 61 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0544% | 427 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3236% | 26 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4337% | 1,399 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0299% | 483 |
| 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 | 0.5502% | 666 |
| 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 | 0.4180% | 738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3821% | 272 |
| Percentage Net Loans Charged-off:Construction & development | 0.8159% | 78 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6988% | 182 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0797% | 303 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2357% | 84 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3000% | 1,476 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3968% | 378 |
| 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 | 0.5182% | 611 |
| 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 | 0.2704% | 1,011 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1608% | 514 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8931% | 127 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6555% | 63 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6573% | 743 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2526% | 283 |
| 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 | 0.4041% | 584 |
| 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 | 0.4569% | 959 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3007% | 448 |
| Percentage Net Loans Charged-off:Construction & development | 0.7336% | 133 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0302% | 1,091 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4665% | 326 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4274% | 6,118 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2362% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6170% | 745 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4050% | 1,171 |
| 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 | 0.7151% | 694 |
| 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 | 0.4074% | 957 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2422% | 491 |
| Percentage Net Loans Charged-off:Construction & development | 0.3264% | 186 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0403% | 823 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7066% | 181 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5683% | 6,083 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8179% | 60 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6949% | 615 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8813% | 1,878 |
| 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 | 0.9169% | 553 |
| 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 | 0.2645% | 1,438 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1820% | 673 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0605% | 604 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7702% | 182 |
| Percentage Net Loans Charged-off: Home equity loans | -0.8638% | 6,023 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1706% | 51 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6292% | 1,237 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3842% | 1,060 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2244% | 399 |
| 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 | 0.5288% | 659 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4435% | 252 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2279% | 60 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0170% | 5,920 |
| All other 1-4 family - Percent of loans charged-off, net | 4.1128% | 30 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0617% | 694 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9112% | 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 | 1.9636% | 263 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4741% | 1,183 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2069% | 904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0609% | 571 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0461% | 8,402 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0158% | 144 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1826% | 75 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8754% | 187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0496% | 725 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2493% | 622 |
| 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 | 2.3681% | 313 |
| 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 | 0.4648% | 1,041 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2564% | 615 |
| Percentage Net Loans Charged-off:Construction & development | 0.0809% | 432 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0571% | 8,460 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2336% | 101 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3325% | 62 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1512% | 122 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5890% | 768 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1347% | 642 |
| 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 | 2.2209% | 300 |
| 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 | 0.2993% | 1,580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2670% | 577 |
| Percentage Net Loans Charged-off:Construction & development | 0.1238% | 307 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0815% | 8,555 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2613% | 107 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0075% | 46 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6505% | 253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1060% | 2,546 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7570% | 891 |
| 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 | 2.1826% | 285 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1286% | 2,549 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0732% | 1,169 |
| Percentage Net Loans Charged-off:Construction & development | 0.2426% | 176 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0358% | 8,524 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1290% | 852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2360% | 587 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2347% | 1,530 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5088% | 1,232 |
| 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 | 0.2257% | 651 |
| 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 | 0.6352% | 1,109 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4151% | 490 |
| Percentage Net Loans Charged-off:Construction & development | 0.9418% | 216 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0484% | 8,599 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7835% | 242 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3127% | 222 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0527% | 172 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0924% | 858 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3864% | 1,540 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| 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 | 0.5992% | 1,040 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3447% | 532 |
| Percentage Net Loans Charged-off:Construction & development | 1.1971% | 160 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0657% | 8,676 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1844% | 1,002 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4391% | 143 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0517% | 1,872 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3264% | 633 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2254% | 1,688 |
| 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 | 0.4323% | 1,428 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2743% | 652 |
| Percentage Net Loans Charged-off:Construction & development | 0.8739% | 176 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1007% | 8,744 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2992% | 628 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7777% | 95 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0734% | 1,431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2738% | 1,097 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7967% | 964 |
| 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 | 0.1986% | 2,352 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1140% | 999 |
| Percentage Net Loans Charged-off:Construction & development | 0.5821% | 137 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2007% | 8,850 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0985% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1410% | 847 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5718% | 1,356 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2547% | 1,576 |
| 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 | 0.3825% | 2,186 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2031% | 1,062 |
| Percentage Net Loans Charged-off:Construction & development | 0.4589% | 348 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1439% | 964 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4268% | 1,446 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2868% | 1,746 |
| 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 | 0.3062% | 2,639 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1073% | 1,577 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2897% | 603 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0181% | 2,741 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0210% | 2,536 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2496% | 1,518 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2959% | 1,586 |
| 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 | 0.0564% | 5,634 |
| 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 | 0.0802% | 5,269 |
| 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 | 0.1056% | 5,009 |
| 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 | 0.4643% | 1,696 |
| 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 | 0.3293% | 2,749 |
| 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 | 0.0884% | 5,919 |
| 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 | 0.1589% | 4,648 |
| 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 | -0.0995% | 12,133 |
| 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 | 0.0419% | 10,083 |
| 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 |