Home > Seaway Community Bank > Net charge- offs to loans
Seaway Community Bank, Net charge- offs to loans
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2105% | 2,566 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1700% | 2,372 |
| Percentage Net Loans Charged-off:Construction & development | -0.3147% | 5,833 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0139% | 6,035 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0670% | 5,290 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5895% | 913 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0616% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4996% | 1,027 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3575% | 1,604 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6745% | 6,504 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6745% | 6,457 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3029% | 391 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1495% | 2,905 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0725% | 2,980 |
| Percentage Net Loans Charged-off:Construction & development | -0.3546% | 5,888 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0070% | 6,016 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1106% | 5,321 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3234% | 1,524 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3446% | 1,403 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3993% | 1,395 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,451 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,315 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3234% | 358 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0993% | 2,864 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1430% | 6,627 |
| Percentage Net Loans Charged-off:Construction & development | -0.0877% | 5,750 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0072% | 6,105 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2259% | 5,381 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3667% | 6,758 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3932% | 6,755 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9482% | 705 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2971% | 310 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4175% | 645 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7524% | 428 |
| Percentage Net Loans Charged-off:Construction & development | 3.6996% | 721 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8477% | 444 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.7758% | 142 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9978% | 895 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4726% | 5,155 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1130% | 784 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1513% | 2,933 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,463 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,313 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3409% | 481 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4680% | 598 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8313% | 379 |
| Percentage Net Loans Charged-off:Construction & development | 4.8829% | 552 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8739% | 408 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.6224% | 107 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7369% | 1,210 |
| Percentage Net Loans Charged-off: Home equity loans | -3.2618% | 5,247 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0503% | 836 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0470% | 3,044 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,181 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,003 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4706% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7047% | 530 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1290% | 342 |
| Percentage Net Loans Charged-off:Construction & development | 5.9976% | 441 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2529% | 340 |
| Percentage Net Loans Charged-off: Multi-family residential | 11.4991% | 78 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4402% | 1,793 |
| Percentage Net Loans Charged-off: Home equity loans | -4.7737% | 5,272 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8579% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,854 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9219% | 482 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.1345% | 226 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.9137% | 134 |
| Percentage Net Loans Charged-off:Construction & development | 10.3172% | 237 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.2636% | 157 |
| Percentage Net Loans Charged-off: Multi-family residential | 22.5512% | 41 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7037% | 1,170 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1250% | 5,142 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7720% | 1,043 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3163% | 6,387 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3163% | 6,323 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5036% | 496 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4863% | 471 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.9550% | 307 |
| Percentage Net Loans Charged-off:Construction & development | 3.7424% | 1,226 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1700% | 506 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.4764% | 204 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5483% | 219 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1759% | 754 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7452% | 235 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0054% | 6,024 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1593% | 733 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0878% | 646 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9223% | 591 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6279% | 402 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0893% | 280 |
| Percentage Net Loans Charged-off:Construction & development | 4.1426% | 1,007 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9594% | 500 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.2377% | 157 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7629% | 196 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5482% | 531 |
| All other 1-4 family - Percent of loans charged-off, net | 3.9466% | 203 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,749 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8602% | 505 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.7361% | 438 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6831% | 655 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5598% | 455 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.9865% | 333 |
| Percentage Net Loans Charged-off:Construction & development | 1.5617% | 1,479 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.7108% | 353 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.7717% | 110 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.1716% | 295 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4351% | 272 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8495% | 1,699 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7998% | 1,495 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5429% | 663 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4105% | 2,456 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4159% | 2,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0102% | 6,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.3994% | 201 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7514% | 1,189 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8129% | 1,073 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1883% | 457 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.9215% | 378 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6321% | 482 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1097% | 934 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3674% | 741 |
| Percentage Net Loans Charged-off:Construction & development | 2.3182% | 1,961 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1855% | 572 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.4261% | 181 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2201% | 563 |
| Percentage Net Loans Charged-off: Home equity loans | 3.3023% | 279 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1266% | 628 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0668% | 4,494 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,354 |
| 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 | 0.9855% | 797 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2784% | 786 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5470% | 618 |
| Percentage Net Loans Charged-off:Construction & development | 2.4689% | 1,718 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6956% | 380 |
| Percentage Net Loans Charged-off: Multi-family residential | 11.4426% | 121 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9586% | 594 |
| Percentage Net Loans Charged-off: Home equity loans | 4.3063% | 194 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7539% | 713 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0811% | 4,030 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0714% | 4,813 |
| 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 | 0.8613% | 794 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4755% | 703 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7668% | 531 |
| Percentage Net Loans Charged-off:Construction & development | 3.5331% | 1,253 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1372% | 509 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.6535% | 84 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2792% | 500 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0881% | 289 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2072% | 536 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1230% | 3,431 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2080% | 3,853 |
| 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 | 0.6354% | 803 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4912% | 660 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7921% | 511 |
| Percentage Net Loans Charged-off:Construction & development | 1.8392% | 1,244 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.2511% | 279 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.0619% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7368% | 386 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 2.9822% | 366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,838 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,892 |
| 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 | 0.3536% | 786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9541% | 1,266 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8005% | 1,163 |
| Percentage Net Loans Charged-off:Construction & development | 2.7504% | 1,796 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0780% | 1,071 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3027% | 546 |
| Percentage Net Loans Charged-off: Home equity loans | 6.5289% | 128 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8745% | 707 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9196% | 1,018 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8692% | 1,445 |
| 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 | 0.2476% | 1,529 |
| 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 | 1.0857% | 1,835 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1233% | 1,428 |
| Percentage Net Loans Charged-off:Construction & development | 0.7290% | 2,327 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7485% | 1,035 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6756% | 671 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4075% | 354 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5993% | 694 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8649% | 2,547 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1468% | 2,193 |
| 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 | 0.2734% | 1,302 |
| 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 | 0.8092% | 2,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7657% | 1,659 |
| Percentage Net Loans Charged-off:Construction & development | 0.6732% | 1,977 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4599% | 690 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5427% | 449 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4511% | 683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2704% | 1,756 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0433% | 2,236 |
| 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 | 0.4092% | 1,023 |
| 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 | 1.2580% | 1,117 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1683% | 915 |
| Percentage Net Loans Charged-off:Construction & development | 1.2784% | 1,139 |
| 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 | 2.1332% | 366 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8556% | 303 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1637% | 368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4477% | 829 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5756% | 2,790 |
| 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 | 0.4627% | 782 |
| 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 | 2.1816% | 475 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4253% | 309 |
| Percentage Net Loans Charged-off:Construction & development | 2.2752% | 1,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.7963% | 108 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.5432% | 122 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3315% | 454 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0332% | 175 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1172% | 525 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4251% | 2,880 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7751% | 1,188 |
| 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 | 0.1139% | 1,507 |
| 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 | 2.4005% | 271 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6432% | 183 |
| Percentage Net Loans Charged-off:Construction & development | 2.1811% | 681 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.2956% | 63 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.3436% | 84 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4817% | 300 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7001% | 235 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4531% | 296 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6642% | 1,742 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0655% | 791 |
| 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 | 0.2015% | 1,133 |
| 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 | 0.7027% | 1,002 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6272% | 768 |
| Percentage Net Loans Charged-off:Construction & development | 1.3704% | 642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4607% | 483 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4482% | 840 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9836% | 308 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3751% | 902 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0318% | 1,038 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6216% | 555 |
| 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 | 0.2290% | 986 |
| 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 | 0.6585% | 799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5707% | 595 |
| Percentage Net Loans Charged-off:Construction & development | 0.9395% | 460 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7533% | 214 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2886% | 867 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3302% | 735 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3020% | 673 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0912% | 712 |
| 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 | -0.1555% | 7,059 |
| 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 | 0.1646% | 3,011 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1037% | 2,075 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2572% | 1,042 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2964% | 888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5721% | 1,742 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0574% | 5,411 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5868% | 490 |
| 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 | 0.2126% | 1,872 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1388% | 1,193 |
| 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 | 0.3406% | 591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3936% | 485 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7851% | 1,109 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0768% | 7,466 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8892% | 383 |
| 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 | 0.2069% | 1,672 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2099% | 727 |
| 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 | 0.5109% | 360 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5912% | 303 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0587% | 7,152 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7180% | 385 |
| 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 | 0.0397% | 3,180 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0452% | 1,256 |
| 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 | 0.1099% | 864 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1273% | 740 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| 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% | 964 |
| 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 | 0.1337% | 2,709 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1669% | 868 |
| 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 | 0.6623% | 91 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3483% | 482 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4166% | 401 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4367% | 8,210 |
| 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 | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0487% | 3,776 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0778% | 1,260 |
| 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 | 0.8768% | 60 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1188% | 1,038 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1434% | 893 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6444% | 8,295 |
| 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 | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0219% | 4,257 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0495% | 1,434 |
| 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 | 0.1164% | 960 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1418% | 820 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6798% | 8,270 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0658% | 2,561 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| 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 | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| 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 | 1.9982% | 586 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0733% | 4,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0273% | 2,493 |
| Percentage Net Loans Charged-off:Construction & development | 0.1195% | 373 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6246% | 1,639 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3438% | 4,319 |
| 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% | 1,616 |
| 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 | 0.0040% | 5,946 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1072% | 5,153 |
| 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% | 1,405 |
| 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 | 0.0041% | 5,464 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1073% | 4,712 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0168% | 4,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0233% | 1,442 |
| 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 | 0.0491% | 1,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0646% | 988 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1056% | 7,325 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0552% | 5,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0298% | 2,782 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0641% | 1,992 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1871% | 310 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0176% | 2,655 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7204% | 2,912 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0334% | 5,154 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| 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 | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8334% | 2,293 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0328% | 4,822 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| 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 | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8300% | 2,241 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| 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 | 0.0000% | 4,682 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0841% | 5,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0981% | 1,854 |
| 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 | 0.2259% | 1,020 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3253% | 753 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0665% | 6,646 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1179% | 3,999 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1379% | 1,242 |
| 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 | 0.3203% | 626 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4579% | 451 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0991% | 6,007 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1011% | 3,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1238% | 1,212 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2780% | 665 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3904% | 514 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,001 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,539 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| 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 | NA | NA |
| 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 | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 7,632 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,878 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| 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 |