Home > Security Bank of Bibb County > Net charge- offs to loans
Security Bank of Bibb County, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.4923% | 210 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.4848% | 170 |
| Percentage Net Loans Charged-off:Construction & development | 7.9697% | 557 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2952% | 546 |
| Percentage Net Loans Charged-off: Multi-family residential | 17.1740% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1731% | 846 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7957% | 389 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8261% | 1,060 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5755% | 2,552 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7090% | 569 |
| 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 | 26.1042% | 95 |
| 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 | 2.8336% | 459 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1755% | 328 |
| Percentage Net Loans Charged-off:Construction & development | 5.4272% | 536 |
| 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 | 1.0789% | 705 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3702% | 252 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3486% | 1,390 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1872% | 2,306 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1615% | 1,031 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.8101% | 65 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.4775% | 39 |
| Percentage Net Loans Charged-off:Construction & development | 10.7909% | 172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2406% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5162% | 356 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8676% | 724 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5110% | 691 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0624% | 563 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8916% | 1,951 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4974% | 738 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,198 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0889% | 1,587 |
| 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 | 6.1570% | 42 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.9379% | 22 |
| Percentage Net Loans Charged-off:Construction & development | 11.5586% | 96 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0387% | 1,492 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0717% | 434 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5874% | 512 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3353% | 316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1802% | 2,908 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8659% | 506 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1253% | 1,275 |
| 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 | 7.7187% | 18 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.7142% | 9 |
| Percentage Net Loans Charged-off:Construction & development | 14.4896% | 59 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2428% | 677 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4251% | 893 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4935% | 454 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3873% | 888 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0237% | 6,963 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6671% | 542 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2047% | 1,009 |
| 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 | 7.2840% | 27 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.2229% | 12 |
| Percentage Net Loans Charged-off:Construction & development | 13.5844% | 48 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1267% | 550 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1471% | 1,221 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0186% | 5,931 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2434% | 882 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1684% | 7,522 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6174% | 964 |
| Percentage Net Loans Charged-off: Credit card loans | -25.8065% | 1,838 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6829% | 234 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7382% | 117 |
| Percentage Net Loans Charged-off:Construction & development | 2.8501% | 153 |
| 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 | 0.1068% | 1,833 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2483% | 502 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0277% | 2,601 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0879% | 1,094 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9923% | 643 |
| Percentage Net Loans Charged-off: Credit card loans | -8.3333% | 1,995 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7651% | 472 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8033% | 185 |
| Percentage Net Loans Charged-off:Construction & development | 1.3240% | 199 |
| 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 | 0.0665% | 1,706 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2189% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0179% | 7,833 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0860% | 2,696 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9866% | 562 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0464% | 3,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0125% | 2,366 |
| 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 | 0.1030% | 1,173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3424% | 252 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0309% | 7,952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0887% | 2,232 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4683% | 811 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| 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 | 0.0554% | 2,848 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0109% | 1,689 |
| 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 | 0.0881% | 947 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3576% | 180 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0624% | 8,108 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3797% | 1,018 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7106% | 1,702 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| 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 | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1605% | 2,367 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1066% | 1,254 |
| Percentage Net Loans Charged-off:Construction & development | 0.1477% | 418 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0296% | 1,068 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1243% | 1,220 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2403% | 290 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0662% | 1,696 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3732% | 1,914 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3653% | 987 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,256 |
| 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 | 0.1002% | 2,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0299% | 2,011 |
| Percentage Net Loans Charged-off:Construction & development | -0.0004% | 7,654 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0390% | 788 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1266% | 994 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2072% | 239 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0873% | 1,227 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4984% | 1,293 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2218% | 1,015 |
| 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 | 0.0720% | 2,949 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0150% | 2,031 |
| 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 | 0.1004% | 1,038 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3198% | 150 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 7,734 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4492% | 1,214 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8108% | 1,565 |
| 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 | 0.0170% | 3,711 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0113% | 7,922 |
| 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 | -0.0757% | 8,335 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1119% | 8,356 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2957% | 1,051 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0741% | 3,632 |
| 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 | 0.0896% | 3,848 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0382% | 2,201 |
| Percentage Net Loans Charged-off:Construction & development | 0.0296% | 559 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0360% | 1,054 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0866% | 1,564 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1144% | 1,298 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2064% | 2,745 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4081% | 1,169 |
| 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 | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1037% | 3,075 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0498% | 1,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0401% | 410 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0471% | 793 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1068% | 1,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1395% | 980 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2408% | 2,184 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3683% | 1,074 |
| 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 | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1103% | 2,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0591% | 1,396 |
| Percentage Net Loans Charged-off:Construction & development | 0.0612% | 300 |
| 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 | 0.1896% | 718 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2449% | 596 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3123% | 1,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0115% | 1,542 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1046% | 2,374 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0371% | 1,275 |
| 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 | 0.2849% | 469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3653% | 394 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5141% | 1,009 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5797% | 2,341 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1380% | 3,569 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1415% | 1,255 |
| Percentage Net Loans Charged-off:Construction & development | 0.1955% | 369 |
| 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 | 0.2804% | 690 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1853% | 312 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3039% | 662 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1977% | 7,945 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1767% | 1,682 |
| 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% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1443% | 2,971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1623% | 949 |
| Percentage Net Loans Charged-off:Construction & development | 0.2678% | 271 |
| 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 | 0.1507% | 1,029 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1230% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1574% | 994 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2999% | 8,021 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0329% | 1,803 |
| 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 | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2148% | 2,133 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2208% | 706 |
| Percentage Net Loans Charged-off:Construction & development | 0.4152% | 194 |
| 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 | 0.0202% | 1,955 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0641% | 329 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0100% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0142% | 6,933 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7534% | 2,428 |
| 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 | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3647% | 1,214 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3984% | 347 |
| Percentage Net Loans Charged-off:Construction & development | 0.7695% | 121 |
| 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 | 0.0160% | 1,459 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0193% | 1,331 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1168% | 1,787 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1786% | 4,046 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1816% | 3,585 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1283% | 1,577 |
| Percentage Net Loans Charged-off:Construction & development | 0.1335% | 540 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1509% | 940 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0843% | 1,911 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1268% | 377 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0792% | 1,923 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1272% | 3,968 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7881% | 1,033 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1975% | 3,014 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1692% | 1,068 |
| Percentage Net Loans Charged-off:Construction & development | 0.1828% | 390 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2098% | 664 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0835% | 1,600 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0925% | 1,505 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0328% | 3,957 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4047% | 1,372 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1751% | 3,015 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1415% | 1,117 |
| Percentage Net Loans Charged-off:Construction & development | 0.0942% | 393 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3160% | 452 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0054% | 2,325 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0059% | 2,196 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0434% | 3,338 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4424% | 1,330 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1617% | 2,665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1363% | 904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0651% | 269 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3021% | 328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0561% | 1,223 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0617% | 1,146 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0997% | 7,794 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5340% | 1,258 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1419% | 4,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0895% | 1,938 |
| Percentage Net Loans Charged-off:Construction & development | -0.0008% | 8,007 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1677% | 914 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1493% | 1,293 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1099% | 406 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1532% | 1,261 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0477% | 4,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6036% | 1,262 |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1891% | 3,768 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0515% | 2,345 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1198% | 895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0201% | 2,682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0214% | 2,526 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4202% | 2,887 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9392% | 848 |
| Percentage Net Loans Charged-off: Credit card loans | 53.5714% | 21 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 9.6242% | 117 |
| 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 | 0.2748% | 2,420 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2868% | 2,396 |
| 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 | 0.3054% | 2,420 |
| 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 | 0.3955% | 2,044 |
| 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 | 0.0026% | 8,737 |
| 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 | 0.0017% | 8,825 |
| 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 | 0.0566% | 6,820 |
| 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 | 1.3764% | 823 |
| 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 | 0.2632% | 6,440 |
| 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 |