Home > Texas State Bank > Net charge- offs to loans
Texas State Bank, Net charge- offs to loans
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3585% | 1,549 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0684% | 2,554 |
| Percentage Net Loans Charged-off:Construction & development | 0.0939% | 1,205 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0622% | 1,226 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0478% | 2,470 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0478% | 2,335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8410% | 1,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4506% | 3,278 |
| 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 | 1.5424% | 502 |
| 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 | 0.2246% | 1,779 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0443% | 2,171 |
| Percentage Net Loans Charged-off:Construction & development | 0.0747% | 813 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0215% | 1,024 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0465% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0465% | 1,807 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4128% | 1,653 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2581% | 3,785 |
| 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 | 1.6651% | 408 |
| 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 | 0.1943% | 1,759 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0535% | 1,650 |
| Percentage Net Loans Charged-off:Construction & development | 0.1140% | 506 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0020% | 876 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0609% | 1,445 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0609% | 1,323 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3123% | 1,569 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2952% | 3,180 |
| 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 | 1.4750% | 423 |
| 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 | 0.1141% | 2,054 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0594% | 1,138 |
| Percentage Net Loans Charged-off:Construction & development | 0.1524% | 273 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0047% | 7,931 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0188% | 1,325 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0188% | 1,203 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1077% | 1,499 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2094% | 3,076 |
| 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 | 0.9048% | 423 |
| 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 | 0.0376% | 4,735 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0041% | 3,261 |
| Percentage Net Loans Charged-off:Construction & development | 0.0005% | 829 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0041% | 1,276 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0150% | 2,555 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0150% | 2,387 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0848% | 3,047 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1331% | 4,874 |
| 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 | 0.1664% | 1,121 |
| 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 | 0.7770% | 328 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1206% | 929 |
| Percentage Net Loans Charged-off:Construction & development | 0.0034% | 597 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2684% | 370 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0452% | 1,685 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0452% | 1,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0675% | 401 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4183% | 2,869 |
| 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 | 3.0474% | 260 |
| 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 | 1.0832% | 227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1626% | 672 |
| Percentage Net Loans Charged-off:Construction & development | 0.0051% | 436 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3754% | 263 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0178% | 1,738 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0178% | 1,624 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9162% | 292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5690% | 2,128 |
| 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 | 3.8061% | 198 |
| 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 | 0.3751% | 748 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2811% | 319 |
| Percentage Net Loans Charged-off:Construction & development | 0.0088% | 244 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6417% | 130 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0409% | 1,019 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0409% | 942 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4255% | 907 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2614% | 2,889 |
| 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 | 1.6661% | 318 |
| 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 | 0.5732% | 703 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0969% | 1,314 |
| Percentage Net Loans Charged-off:Construction & development | 0.1253% | 361 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1078% | 749 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0527% | 1,970 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0527% | 1,887 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6699% | 728 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6419% | 2,947 |
| 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 | 0.7109% | 697 |
| 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 | 0.5177% | 705 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0810% | 1,291 |
| Percentage Net Loans Charged-off:Construction & development | 0.1242% | 289 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0733% | 698 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0553% | 1,667 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0553% | 1,587 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5198% | 689 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6729% | 2,458 |
| 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 | 0.6060% | 659 |
| 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 | 0.5045% | 730 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0822% | 1,174 |
| Percentage Net Loans Charged-off:Construction & development | 0.1398% | 223 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0810% | 558 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0118% | 1,976 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0118% | 1,828 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5261% | 668 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5571% | 2,647 |
| 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 | 0.2795% | 741 |
| 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 | 0.4855% | 720 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0894% | 893 |
| Percentage Net Loans Charged-off:Construction & development | 0.2790% | 109 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 8,173 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0011% | 1,532 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0011% | 1,395 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4983% | 551 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6451% | 2,163 |
| 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 | -0.2321% | 7,429 |
| 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 | 0.4680% | 1,197 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0046% | 3,670 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0056% | 1,507 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0123% | 2,929 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0123% | 2,771 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3658% | 1,063 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6087% | 3,334 |
| 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 | 1.0694% | 549 |
| 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 | 0.4843% | 994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0056% | 3,110 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0054% | 1,181 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0194% | 2,339 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0194% | 2,209 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5080% | 796 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4941% | 3,454 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6546% | 622 |
| 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 | 0.4309% | 1,119 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0020% | 2,743 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0019% | 8,233 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0212% | 1,931 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0212% | 1,817 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3137% | 836 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6106% | 2,834 |
| 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 | 0.5563% | 609 |
| 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 | 0.3903% | 1,147 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 1,944 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0004% | 8,329 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0094% | 1,524 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0094% | 1,416 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0932% | 773 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6941% | 2,426 |
| 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 | 0.8467% | 424 |
| 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 | 0.4233% | 1,749 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0503% | 2,525 |
| Percentage Net Loans Charged-off:Construction & development | 0.0038% | 822 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0777% | 1,172 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0394% | 2,527 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0394% | 2,435 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8745% | 1,872 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8749% | 2,729 |
| 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 | 1.7905% | 471 |
| 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 | 0.4670% | 1,371 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0669% | 1,899 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1051% | 869 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0509% | 1,947 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0509% | 1,881 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0272% | 1,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7935% | 2,726 |
| 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 | 1.7218% | 445 |
| 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 | 0.4284% | 1,444 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0095% | 2,649 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0045% | 8,430 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0691% | 1,494 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0691% | 1,461 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0231% | 1,292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6369% | 3,062 |
| 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 | 1.8594% | 395 |
| 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 | 0.4878% | 1,125 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0053% | 8,210 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0091% | 8,596 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0016% | 8,296 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0016% | 8,334 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6318% | 696 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5195% | 3,138 |
| 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 | 0.2884% | 709 |
| 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 | 0.4712% | 1,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1375% | 1,495 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2359% | 777 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0582% | 2,194 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0582% | 2,116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1719% | 1,670 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6033% | 3,820 |
| 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 | 0.6232% | 923 |
| 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 | 0.4317% | 1,892 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0333% | 2,736 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0534% | 1,114 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0208% | 2,662 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0208% | 2,538 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8653% | 2,004 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3464% | 1,498 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9218% | 726 |
| 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 | 0.4164% | 1,600 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0602% | 379 |
| Percentage Net Loans Charged-off:Construction & development | 0.0307% | 206 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0890% | 187 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0453% | 466 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0526% | 235 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2391% | 320 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4036% | 1,373 |
| 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 | 0.2935% | 2,359 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0640% | 381 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2956% | 95 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2956% | 98 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4913% | 395 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9789% | 454 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1311% | 291 |
| 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 | 0.7928% | 818 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1530% | 188 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1243% | 232 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3831% | 58 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.3831% | 61 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3073% | 501 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8537% | 570 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 7.9024% | 11 |
| 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 | 0.2848% | 2,886 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0423% | 1,362 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0844% | 1,295 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0057% | 917 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0057% | 859 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6607% | 276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7251% | 713 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7823% | 90 |
| 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 | 0.2075% | 3,961 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0235% | 1,361 |
| Percentage Net Loans Charged-off:Construction & development | -0.0617% | 1,338 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0296% | 1,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0172% | 794 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0172% | 757 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3830% | 404 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7878% | 651 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4780% | 137 |
| 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 | 0.2920% | 2,902 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0512% | 666 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0843% | 470 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0440% | 571 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0440% | 550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3793% | 370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6228% | 647 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7301% | 594 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4873% | 51 |
| 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 | 0.3218% | 2,818 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0821% | 628 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1369% | 467 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0225% | 1,381 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0225% | 1,381 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0065% | 749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2827% | 885 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.1609% | 19 |
| 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 | -0.0426% | 11,630 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0277% | 1,426 |
| Percentage Net Loans Charged-off:Construction & development | -0.8037% | 1,410 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0636% | 732 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0073% | 1,384 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0073% | 1,383 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0584% | 1,204 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0515% | 1,464 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0709% | 1,172 |
| 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 | 0.2074% | 7,172 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3900% | 547 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7354% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3335% | 336 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1262% | 530 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1262% | 522 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0084% | 1,332 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0299% | 1,383 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1391% | 341 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |