Home > Peoples Community Bank > Net charge- offs to loans
Peoples Community Bank, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.7330% | 396 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3736% | 383 |
| Percentage Net Loans Charged-off:Construction & development | 18.9648% | 186 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0750% | 6,146 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0144% | 3,735 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0492% | 1,239 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0088% | 3,543 |
| Percentage Net Loans Charged-off: Commercial and industrial | 30.8586% | 42 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7430% | 2,860 |
| 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 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0008% | 7,099 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0069% | 3,688 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0118% | 2,683 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0984% | 772 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0017% | 7,539 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4242% | 7,592 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0345% | 6,920 |
| 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 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 8.0418% | 28 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.8009% | 23 |
| Percentage Net Loans Charged-off:Construction & development | 17.1544% | 78 |
| Percentage Net Loans Charged-off: Commercial real estate | 9.5818% | 24 |
| Percentage Net Loans Charged-off: Multi-family residential | 13.3691% | 53 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2362% | 229 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2442% | 240 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2352% | 238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 25.1788% | 19 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0325% | 5,811 |
| 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 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.7586% | 35 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.8250% | 23 |
| Percentage Net Loans Charged-off:Construction & development | 12.5420% | 84 |
| Percentage Net Loans Charged-off: Commercial real estate | 11.6286% | 13 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.0108% | 41 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3647% | 159 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8470% | 389 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5651% | 140 |
| Percentage Net Loans Charged-off: Commercial and industrial | 10.9769% | 91 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0664% | 7,473 |
| 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 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6462% | 375 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6486% | 276 |
| Percentage Net Loans Charged-off:Construction & development | 3.3639% | 346 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1639% | 793 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.5563% | 60 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7850% | 513 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6930% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7967% | 464 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0646% | 396 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0491% | 7,271 |
| 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 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5992% | 316 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6442% | 208 |
| Percentage Net Loans Charged-off:Construction & development | 5.0820% | 143 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3204% | 377 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8127% | 383 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1739% | 194 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7682% | 388 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9913% | 807 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6308% | 2,146 |
| 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 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2301% | 145 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9915% | 93 |
| Percentage Net Loans Charged-off:Construction & development | 0.3132% | 841 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8122% | 301 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.5712% | 62 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4991% | 72 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0328% | 94 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5512% | 75 |
| Percentage Net Loans Charged-off: Commercial and industrial | 10.8172% | 61 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3427% | 8,067 |
| 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 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6835% | 94 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5563% | 40 |
| Percentage Net Loans Charged-off:Construction & development | 0.2799% | 524 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0622% | 142 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.8340% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.2959% | 33 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7377% | 51 |
| All other 1-4 family - Percent of loans charged-off, net | 3.3569% | 31 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.4174% | 94 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4167% | 8,054 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.1669% | 72 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2017% | 26 |
| Percentage Net Loans Charged-off:Construction & development | 0.1406% | 469 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7932% | 162 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.6591% | 21 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.2838% | 15 |
| Percentage Net Loans Charged-off: Home equity loans | 4.2310% | 31 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2893% | 19 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.9003% | 187 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5211% | 8,063 |
| 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 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.5290% | 79 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8404% | 21 |
| Percentage Net Loans Charged-off:Construction & development | -0.8530% | 7,734 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1188% | 91 |
| Percentage Net Loans Charged-off: Multi-family residential | 12.0243% | 11 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.7503% | 14 |
| Percentage Net Loans Charged-off: Home equity loans | 3.8669% | 28 |
| All other 1-4 family - Percent of loans charged-off, net | 4.8430% | 15 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1584% | 8,049 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8797% | 8,166 |
| 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 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9842% | 307 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9369% | 108 |
| Percentage Net Loans Charged-off:Construction & development | 0.2363% | 337 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9628% | 170 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6514% | 50 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1023% | 104 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0237% | 85 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1118% | 108 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4035% | 397 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3126% | 3,830 |
| 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 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9741% | 233 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9190% | 77 |
| Percentage Net Loans Charged-off:Construction & development | 0.2593% | 233 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9171% | 137 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5064% | 41 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1117% | 76 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2293% | 53 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0973% | 92 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5379% | 320 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2373% | 3,778 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.7778% | 362 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7584% | 114 |
| Percentage Net Loans Charged-off:Construction & development | 0.3404% | 149 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7154% | 162 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6470% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0646% | 97 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2331% | 47 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0434% | 108 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5841% | 528 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0508% | 4,535 |
| 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 | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6080% | 455 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5075% | 165 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0228% | 436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5271% | 24 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9804% | 105 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4832% | 41 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9175% | 128 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8924% | 274 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0500% | 6,840 |
| 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 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7901% | 429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6754% | 140 |
| Percentage Net Loans Charged-off:Construction & development | 1.0212% | 99 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5996% | 257 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4299% | 95 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5694% | 254 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6328% | 125 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5512% | 283 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2743% | 514 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1632% | 1,526 |
| 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 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6933% | 467 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4892% | 212 |
| Percentage Net Loans Charged-off:Construction & development | 1.4175% | 68 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5498% | 239 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1505% | 102 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0583% | 8,340 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5018% | 111 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2560% | 8,541 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4918% | 276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8164% | 2,004 |
| 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 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6082% | 595 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6396% | 165 |
| Percentage Net Loans Charged-off:Construction & development | 2.1876% | 48 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8326% | 168 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0605% | 86 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3027% | 8,587 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4029% | 8,596 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9125% | 1,734 |
| 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 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2274% | 1,444 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2530% | 419 |
| Percentage Net Loans Charged-off:Construction & development | 1.2211% | 56 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0364% | 419 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5506% | 6,263 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| 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 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5101% | 1,077 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5068% | 313 |
| Percentage Net Loans Charged-off:Construction & development | 0.2409% | 337 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0311% | 1,303 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9110% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2010% | 962 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1230% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2240% | 881 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8328% | 1,546 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0706% | 6,199 |
| 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 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6557% | 695 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6449% | 214 |
| Percentage Net Loans Charged-off:Construction & development | 0.3297% | 242 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.5087% | 43 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2001% | 820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1694% | 273 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2088% | 798 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1473% | 1,005 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1066% | 5,558 |
| 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 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7388% | 606 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6972% | 187 |
| Percentage Net Loans Charged-off:Construction & development | 0.5056% | 171 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.7976% | 37 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0977% | 1,232 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0322% | 378 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1157% | 1,096 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7635% | 639 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1740% | 4,757 |
| 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 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3701% | 312 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3712% | 88 |
| Percentage Net Loans Charged-off:Construction & development | 0.9210% | 107 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.7630% | 14 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1714% | 737 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0675% | 236 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1978% | 653 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8939% | 547 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2674% | 3,692 |
| 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 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3943% | 1,902 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2335% | 970 |
| Percentage Net Loans Charged-off:Construction & development | 0.0372% | 711 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8102% | 136 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0363% | 2,579 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1424% | 357 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0206% | 2,765 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4486% | 509 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2065% | 5,842 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| 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 | 0.5349% | 1,189 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3158% | 591 |
| Percentage Net Loans Charged-off:Construction & development | 0.0510% | 536 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5100% | 69 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0480% | 1,981 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2121% | 229 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0268% | 2,227 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7547% | 279 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3210% | 4,721 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| 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 | 0.8168% | 706 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4862% | 347 |
| Percentage Net Loans Charged-off:Construction & development | 0.0797% | 404 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.2026% | 41 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0363% | 1,813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3594% | 155 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4580% | 159 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,001 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| 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 | 1.0477% | 471 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4892% | 324 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.8423% | 38 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 12.9569% | 71 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 | 0.3285% | 2,526 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 3,620 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0192% | 2,902 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3260% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.0730% | 187 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,113 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,947 |
| 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 | 0.0000% | 7,777 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| 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 | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.0023% | 7,548 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0023% | 915 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0029% | 855 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0030% | 793 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,356 |
| 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 | 0.0000% | 7,897 |
| 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 | 0.0188% | 7,388 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,512 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,805 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0130% | 8,299 |
| 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 | 0.0000% | 8,921 |
| 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 | 0.0000% | 9,922 |
| 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 | 0.0000% | 11,197 |
| 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 |