Home > Heritage Bank of the South > Net charge- offs to loans
Heritage Bank of the South, Net charge- offs to loans
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0040% | 4,690 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0109% | 5,061 |
| Percentage Net Loans Charged-off:Construction & development | -0.1937% | 5,296 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0127% | 5,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0260% | 2,221 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0199% | 4,230 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0304% | 2,049 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0242% | 4,557 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3606% | 1,712 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4621% | 143 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0229% | 4,909 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| 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 | 0.0308% | 2,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0138% | 1,878 |
| Percentage Net Loans Charged-off:Construction & development | -0.0753% | 5,212 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0455% | 1,490 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0160% | 4,256 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0519% | 1,375 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0778% | 961 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4998% | 1,307 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7522% | 102 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0151% | 4,928 |
| 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% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0464% | 3,901 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0310% | 3,286 |
| Percentage Net Loans Charged-off:Construction & development | 0.1268% | 894 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0362% | 1,896 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0067% | 3,515 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0255% | 4,440 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0104% | 3,306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0827% | 2,260 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4325% | 1,981 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3609% | 91 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0349% | 5,362 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0427% | 3,647 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0215% | 3,151 |
| Percentage Net Loans Charged-off:Construction & development | 0.1661% | 747 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,863 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0063% | 3,169 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0291% | 4,471 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0104% | 2,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0930% | 1,894 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5577% | 1,528 |
| Percentage Net Loans Charged-off: Credit card loans | 6.1613% | 76 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0533% | 3,253 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0302% | 3,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0177% | 2,958 |
| Percentage Net Loans Charged-off:Construction & development | 0.1289% | 685 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0005% | 2,912 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0734% | 4,599 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0088% | 2,679 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0637% | 1,743 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2999% | 2,016 |
| Percentage Net Loans Charged-off: Credit card loans | 6.6549% | 66 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2216% | 5,785 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0087% | 4,997 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0156% | 5,594 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0328% | 5,946 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0745% | 4,621 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0282% | 5,908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,326 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1712% | 2,255 |
| Percentage Net Loans Charged-off: Credit card loans | 6.1719% | 83 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3023% | 5,856 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| 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 | 0.2296% | 2,625 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1363% | 2,830 |
| Percentage Net Loans Charged-off:Construction & development | 0.0432% | 1,526 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1040% | 2,064 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2098% | 2,176 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2657% | 946 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2026% | 2,152 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9885% | 1,021 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3101% | 2,694 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7322% | 403 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2573% | 2,757 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2873% | 2,098 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1849% | 2,262 |
| Percentage Net Loans Charged-off:Construction & development | 0.0593% | 1,364 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1408% | 1,692 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2901% | 1,668 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3249% | 802 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2854% | 1,640 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1847% | 816 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1752% | 3,028 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 736 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1805% | 2,848 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3081% | 1,953 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1310% | 2,489 |
| Percentage Net Loans Charged-off:Construction & development | 0.0935% | 1,155 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0991% | 1,609 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1952% | 2,028 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5139% | 599 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1518% | 2,132 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7869% | 589 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1568% | 2,840 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1602% | 2,685 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2415% | 2,003 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1416% | 2,035 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1128% | 1,128 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2269% | 1,586 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9491% | 331 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1251% | 1,851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0410% | 662 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1814% | 2,356 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1839% | 2,203 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| 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 | 0.7098% | 1,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7093% | 1,448 |
| Percentage Net Loans Charged-off:Construction & development | 2.1087% | 1,062 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6378% | 1,312 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6226% | 1,474 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1970% | 1,419 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6868% | 1,306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8835% | 1,552 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4113% | 2,639 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4114% | 2,474 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5334% | 2,008 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5110% | 1,865 |
| Percentage Net Loans Charged-off:Construction & development | 0.7629% | 1,502 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7831% | 1,007 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3192% | 2,295 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2747% | 1,166 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3261% | 2,146 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7672% | 1,505 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4702% | 2,231 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4702% | 2,077 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3044% | 2,811 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2360% | 2,740 |
| Percentage Net Loans Charged-off:Construction & development | 0.0595% | 1,859 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2105% | 1,779 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3483% | 2,057 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4276% | 905 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3360% | 2,013 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8098% | 1,386 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3745% | 2,367 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3745% | 2,184 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1867% | 2,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2004% | 2,484 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4544% | 1,544 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4358% | 735 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4573% | 1,436 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0123% | 2,010 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3778% | 2,068 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3778% | 1,897 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| 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 | 0.7228% | 2,349 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7740% | 2,008 |
| Percentage Net Loans Charged-off:Construction & development | 0.0398% | 2,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0290% | 3,439 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8770% | 467 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4992% | 807 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0014% | 842 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5741% | 778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5622% | 2,642 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3972% | 3,136 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3665% | 2,982 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9811% | 1,646 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1021% | 1,314 |
| Percentage Net Loans Charged-off:Construction & development | 0.0557% | 2,572 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4903% | 1,693 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.6207% | 348 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8048% | 580 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0989% | 693 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9093% | 566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5531% | 2,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2504% | 3,444 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2252% | 3,278 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1863% | 1,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4029% | 1,019 |
| Percentage Net Loans Charged-off:Construction & development | 0.0972% | 2,208 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5627% | 1,431 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5593% | 382 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1506% | 1,300 |
| All other 1-4 family - Percent of loans charged-off, net | 2.9510% | 326 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2834% | 2,539 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1497% | 3,551 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1292% | 3,396 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2337% | 540 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6912% | 391 |
| Percentage Net Loans Charged-off:Construction & development | 0.0850% | 1,624 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0321% | 769 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.9984% | 138 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4472% | 760 |
| All other 1-4 family - Percent of loans charged-off, net | 5.6523% | 123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4166% | 1,728 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3446% | 2,476 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2755% | 2,340 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9104% | 2,367 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8030% | 2,234 |
| Percentage Net Loans Charged-off:Construction & development | 2.6814% | 1,841 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4105% | 2,238 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9210% | 1,491 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2286% | 429 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6892% | 1,816 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7665% | 1,809 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7720% | 2,628 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5857% | 2,982 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4082% | 2,996 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8907% | 1,378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8237% | 890 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9031% | 1,337 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6217% | 1,711 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7654% | 2,451 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6660% | 2,546 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4494% | 2,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9950% | 1,196 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0298% | 5,547 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1948% | 1,003 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0147% | 1,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7183% | 2,403 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8796% | 1,797 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5670% | 1,922 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2709% | 852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5246% | 709 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0128% | 783 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5940% | 2,454 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0886% | 1,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6359% | 1,265 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0384% | 3,167 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4892% | 2,117 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8345% | 956 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4120% | 2,243 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5548% | 652 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1236% | 2,457 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3225% | 4,025 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1927% | 3,641 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0546% | 2,524 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3846% | 2,108 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9131% | 752 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2638% | 2,374 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2271% | 3,794 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0496% | 2,361 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3373% | 3,491 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1848% | 3,235 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0850% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3493% | 1,934 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1532% | 1,137 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3943% | 1,706 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2817% | 3,092 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1034% | 2,123 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4209% | 2,420 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3442% | 1,956 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1791% | 983 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6470% | 1,038 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7965% | 842 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1129% | 2,488 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0252% | 2,029 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9100% | 1,365 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0630% | 873 |
| Percentage Net Loans Charged-off:Construction & development | 3.0270% | 822 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4953% | 342 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0847% | 3,023 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3978% | 793 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0141% | 3,750 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0652% | 4,223 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9580% | 2,377 |
| 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% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6901% | 1,247 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7865% | 795 |
| Percentage Net Loans Charged-off:Construction & development | 2.3867% | 643 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9094% | 360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0730% | 2,585 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3982% | 625 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0785% | 3,393 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7910% | 2,341 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9597% | 714 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1467% | 433 |
| Percentage Net Loans Charged-off:Construction & development | 3.5317% | 327 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4064% | 204 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0046% | 3,147 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0140% | 1,676 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1245% | 2,745 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0910% | 1,890 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5965% | 2,208 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2870% | 1,906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2657% | 1,068 |
| Percentage Net Loans Charged-off:Construction & development | 1.0125% | 426 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0663% | 1,210 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0602% | 2,293 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0735% | 2,015 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2863% | 2,453 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3623% | 3,706 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0614% | 3,922 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0055% | 3,186 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0117% | 2,478 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0143% | 2,247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0271% | 3,067 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2806% | 3,668 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0398% | 3,912 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2061% | 3,633 |
| 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 | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0710% | 2,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3620% | 2,535 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0891% | 3,483 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0172% | 8,011 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0331% | 8,137 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1874% | 6,106 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4614% | 3,054 |
| 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 | 0.0714% | 3,258 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0164% | 7,967 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0308% | 8,118 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1759% | 6,094 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3700% | 3,107 |
| 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 | 0.0884% | 2,669 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0255% | 8,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| 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 | -0.0463% | 8,201 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2654% | 6,074 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4554% | 2,515 |
| 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 | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0924% | 2,177 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0519% | 8,276 |
| 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 | -0.0924% | 8,356 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5353% | 6,042 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5364% | 2,064 |
| 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 | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1474% | 2,919 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0524% | 1,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0151% | 606 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0028% | 7,931 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0905% | 1,524 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1624% | 320 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0761% | 1,622 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4663% | 3,733 |
| 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 | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1298% | 2,709 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0566% | 1,597 |
| Percentage Net Loans Charged-off:Construction & development | 0.0214% | 452 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0037% | 7,944 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0969% | 1,272 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0275% | 489 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1107% | 1,150 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3807% | 3,648 |
| 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 | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1227% | 2,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0618% | 1,350 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0056% | 8,023 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1101% | 1,045 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0140% | 417 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1289% | 939 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3390% | 3,535 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1722% | 1,791 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1320% | 706 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2303% | 552 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0855% | 237 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2582% | 511 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3605% | 2,996 |
| 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 | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3078% | 1,884 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2915% | 622 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9085% | 275 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0990% | 1,598 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2050% | 295 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0801% | 1,758 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0928% | 3,653 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4619% | 4,003 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| 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 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1316% | 3,161 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0221% | 2,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0399% | 1,994 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1846% | 258 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0144% | 2,290 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1193% | 2,916 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4497% | 3,634 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| 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 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1196% | 3,099 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0139% | 2,382 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0254% | 1,882 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1872% | 224 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 7,956 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4895% | 3,252 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| 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 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1878% | 2,026 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0699% | 1,195 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1281% | 855 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8833% | 71 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6372% | 2,568 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| 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 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2290% | 3,100 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0384% | 2,784 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0744% | 2,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0407% | 520 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0803% | 1,911 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2869% | 3,291 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7149% | 3,299 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7452% | 934 |
| 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 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2791% | 2,277 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0361% | 2,376 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0714% | 1,720 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0548% | 394 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0744% | 1,653 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5688% | 2,071 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7956% | 2,719 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1404% | 791 |
| 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 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3721% | 1,675 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0292% | 2,170 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0596% | 1,577 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0707% | 1,443 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2766% | 1,096 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8840% | 2,337 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0706% | 585 |
| 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 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5621% | 985 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0607% | 1,336 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1257% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1507% | 818 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1050% | 406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8417% | 2,279 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2534% | 686 |
| 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 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8518% | 879 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2969% | 763 |
| Percentage Net Loans Charged-off:Construction & development | 0.4741% | 341 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0676% | 1,184 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3650% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1796% | 1,145 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2108% | 1,034 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1526% | 652 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4401% | 1,461 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7005% | 765 |
| 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 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6271% | 1,277 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0437% | 2,505 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0653% | 1,897 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0753% | 1,720 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3990% | 572 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0859% | 2,017 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4875% | 1,954 |
| 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 |