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HeritageBank, Net charge- offs to loans

2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0113%5,727
Percentage Net Loans Charged-off: Total real estate loans0.0043%3,254
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential0.0146%2,560
Percentage Net Loans Charged-off: Home equity loans0.0563%554
All other 1-4 family - Percent of loans charged-off, net0.0084%2,517
Percentage Net Loans Charged-off: Commercial and industrial-0.0179%7,033
Percentage Net Loans Charged-off: Loans to individuals0.1678%4,684
Percentage Net Loans Charged-off: Credit card loans2.6393%433
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0120%5,112
Percentage Net Loans Charged-off: Total real estate loans0.0058%2,682
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,012
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential0.0196%2,063
Percentage Net Loans Charged-off: Home equity loans0.0769%391
All other 1-4 family - Percent of loans charged-off, net0.0112%2,051
Percentage Net Loans Charged-off: Commercial and industrial-0.0235%6,949
Percentage Net Loans Charged-off: Loans to individuals0.1755%4,159
Percentage Net Loans Charged-off: Credit card loans3.5741%275
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0133%4,619
Percentage Net Loans Charged-off: Total real estate loans0.0036%2,328
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0119%1,830
Percentage Net Loans Charged-off: Home equity loans0.1202%270
All other 1-4 family - Percent of loans charged-off, net-0.0034%7,752
Percentage Net Loans Charged-off: Commercial and industrial-0.0345%6,948
Percentage Net Loans Charged-off: Loans to individuals0.2430%3,432
Percentage Net Loans Charged-off: Credit card loans5.4271%164
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0025%4,322
Percentage Net Loans Charged-off: Total real estate loans0.0073%1,518
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential0.0248%1,136
Percentage Net Loans Charged-off: Home equity loans0.2566%149
All other 1-4 family - Percent of loans charged-off, net-0.0071%7,895
Percentage Net Loans Charged-off: Commercial and industrial-0.0769%7,222
Percentage Net Loans Charged-off: Loans to individuals0.1690%3,228
Percentage Net Loans Charged-off: Credit card loans9.4955%86
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%911
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0628%4,463
Percentage Net Loans Charged-off: Total real estate loans0.0069%3,215
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,340
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential0.0219%2,518
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net0.0248%2,322
Percentage Net Loans Charged-off: Commercial and industrial0.2217%2,697
Percentage Net Loans Charged-off: Loans to individuals0.1345%5,490
Percentage Net Loans Charged-off: Credit card loans0.0000%1,459
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0802%3,506
Percentage Net Loans Charged-off: Total real estate loans0.0102%2,655
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,046
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0319%1,988
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net0.0360%1,831
Percentage Net Loans Charged-off: Commercial and industrial0.2902%2,023
Percentage Net Loans Charged-off: Loans to individuals0.1176%5,094
Percentage Net Loans Charged-off: Credit card loans0.0000%1,324
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1121%2,718
Percentage Net Loans Charged-off: Total real estate loans0.0023%2,476
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0072%2,035
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.0081%1,873
Percentage Net Loans Charged-off: Commercial and industrial0.4577%1,451
Percentage Net Loans Charged-off: Loans to individuals0.0757%4,877
Percentage Net Loans Charged-off: Credit card loans0.0000%1,186
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1196%2,199
Percentage Net Loans Charged-off: Total real estate loans0.0047%1,720
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0150%1,390
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0170%1,256
Percentage Net Loans Charged-off: Commercial and industrial0.4740%1,051
Percentage Net Loans Charged-off: Loans to individuals0.1007%3,984
Percentage Net Loans Charged-off: Credit card loans0.0000%922
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%839
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0455%5,399
Percentage Net Loans Charged-off: Total real estate loans0.0289%2,807
Percentage Net Loans Charged-off:Construction & development0.0083%711
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0845%1,745
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.0949%1,602
Percentage Net Loans Charged-off: Commercial and industrial0.0609%3,846
Percentage Net Loans Charged-off: Loans to individuals0.1429%5,766
Percentage Net Loans Charged-off: Credit card loans2.9547%677
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0105%1,614
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0484%4,748
Percentage Net Loans Charged-off: Total real estate loans0.0393%2,180
Percentage Net Loans Charged-off:Construction & development0.0117%561
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.1142%1,258
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1280%1,153
Percentage Net Loans Charged-off: Commercial and industrial0.0846%3,099
Percentage Net Loans Charged-off: Loans to individuals0.0563%5,846
Percentage Net Loans Charged-off: Credit card loans0.8848%1,290
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0742%3,853
Percentage Net Loans Charged-off: Total real estate loans0.0591%1,650
Percentage Net Loans Charged-off:Construction & development0.0186%420
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.1696%883
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.1875%797
Percentage Net Loans Charged-off: Commercial and industrial0.1727%2,298
Percentage Net Loans Charged-off: Loans to individuals-0.0170%7,624
Percentage Net Loans Charged-off: Credit card loans-0.6944%2,533
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0067%4,911
Percentage Net Loans Charged-off: Total real estate loans0.0028%1,916
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0088%1,529
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.0097%1,415
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,138
Percentage Net Loans Charged-off: Loans to individuals0.0514%4,585
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0582%5,674
Percentage Net Loans Charged-off: Total real estate loans0.0000%4,080
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,467
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.0000%3,279
Percentage Net Loans Charged-off: Commercial and industrial0.1270%3,969
Percentage Net Loans Charged-off: Loans to individuals0.2994%5,330
Percentage Net Loans Charged-off: Credit card loans4.0733%582
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0697%4,916
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,474
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,919
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0000%2,778
Percentage Net Loans Charged-off: Commercial and industrial0.1508%3,315
Percentage Net Loans Charged-off: Loans to individuals0.3679%4,464
Percentage Net Loans Charged-off: Credit card loans5.5315%360
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0921%4,115
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,928
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,402
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.0000%2,287
Percentage Net Loans Charged-off: Commercial and industrial0.2293%2,597
Percentage Net Loans Charged-off: Loans to individuals0.4206%3,895
Percentage Net Loans Charged-off: Credit card loans2.0857%1,004
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1384%2,890
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,066
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,648
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.0000%1,550
Percentage Net Loans Charged-off: Commercial and industrial0.5152%1,415
Percentage Net Loans Charged-off: Loans to individuals0.2261%4,156
Percentage Net Loans Charged-off: Credit card loans2.8120%767
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3576%2,338
Percentage Net Loans Charged-off: Total real estate loans0.0081%3,785
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0219%2,840
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0227%2,699
Percentage Net Loans Charged-off: Commercial and industrial1.2449%1,599
Percentage Net Loans Charged-off: Loans to individuals0.7227%3,291
Percentage Net Loans Charged-off: Credit card loans1.6734%1,402
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2723%2,909
Percentage Net Loans Charged-off: Total real estate loans0.0045%3,777
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0114%2,943
Percentage Net Loans Charged-off: Home equity loans0.3941%219
All other 1-4 family - Percent of loans charged-off, net0.0019%3,073
Percentage Net Loans Charged-off: Commercial and industrial0.7215%2,208
Percentage Net Loans Charged-off: Loans to individuals0.8414%2,742
Percentage Net Loans Charged-off: Credit card loans12.3784%111
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0067%8,792
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0593%5,799
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%8,132
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA