Home > The Bank of Holland > Net charge- offs to loans
The Bank of Holland, Net charge- offs to loans
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0062% | 4,862 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0040% | 4,804 |
| Percentage Net Loans Charged-off:Construction & development | -0.0138% | 4,799 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0040% | 5,092 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,781 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 830 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,664 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0092% | 4,350 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1726% | 5,539 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1726% | 5,484 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,309 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0755% | 1,241 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0093% | 4,903 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0061% | 4,892 |
| Percentage Net Loans Charged-off:Construction & development | -0.0208% | 4,919 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0059% | 5,237 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,507 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0138% | 4,404 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2652% | 5,655 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2652% | 5,614 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1148% | 1,229 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0129% | 4,840 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0084% | 4,997 |
| Percentage Net Loans Charged-off:Construction & development | -0.0399% | 5,112 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0057% | 5,363 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0198% | 4,512 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2592% | 5,576 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2592% | 5,527 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1598% | 1,209 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0016% | 4,945 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0114% | 5,557 |
| Percentage Net Loans Charged-off:Construction & development | -0.0600% | 5,173 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0416% | 5,793 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0747% | 2,645 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2545% | 617 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,439 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0884% | 2,232 |
| Percentage Net Loans Charged-off: Loans to individuals | -8.3599% | 6,368 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -8.3599% | 6,336 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0363% | 5,487 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1196% | 1,308 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0088% | 5,404 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0322% | 5,809 |
| Percentage Net Loans Charged-off:Construction & development | -0.0765% | 5,272 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0538% | 5,913 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0230% | 2,963 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0770% | 888 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,100 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1221% | 1,777 |
| Percentage Net Loans Charged-off: Loans to individuals | -11.5302% | 6,448 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -11.5302% | 6,418 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0483% | 5,570 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1441% | 1,296 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0388% | 3,448 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0322% | 5,847 |
| Percentage Net Loans Charged-off:Construction & development | -0.0080% | 5,102 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0780% | 6,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0425% | 2,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1400% | 677 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,766 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2325% | 1,330 |
| Percentage Net Loans Charged-off: Loans to individuals | -7.5833% | 6,501 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -7.5834% | 6,468 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0724% | 5,663 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1872% | 1,269 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1427% | 1,870 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0021% | 5,119 |
| Percentage Net Loans Charged-off:Construction & development | -0.0165% | 5,252 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,172 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,040 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4307% | 723 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,715 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,584 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1492% | 5,752 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1461% | 3,339 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0003% | 5,821 |
| Percentage Net Loans Charged-off:Construction & development | -0.5189% | 5,861 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0888% | 2,132 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0512% | 3,504 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1316% | 1,180 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0139% | 3,775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4248% | 1,687 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4850% | 6,401 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4850% | 6,358 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0303% | 1,361 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2194% | 59 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1365% | 3,172 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0653% | 6,390 |
| Percentage Net Loans Charged-off:Construction & development | -0.7004% | 5,964 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0131% | 2,268 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0351% | 3,393 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0703% | 1,152 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0187% | 3,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5135% | 1,343 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3359% | 6,277 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3359% | 6,225 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.3218% | 51 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2000% | 2,563 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0939% | 6,505 |
| Percentage Net Loans Charged-off:Construction & development | -1.0827% | 6,077 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0200% | 1,935 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0767% | 2,717 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1120% | 947 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0600% | 2,692 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7347% | 1,050 |
| 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 | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0981% | 2,875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2330% | 1,660 |
| Percentage Net Loans Charged-off:Construction & development | 1.4301% | 492 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0405% | 1,301 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1582% | 1,831 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2375% | 615 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1203% | 1,867 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1396% | 5,781 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6855% | 1,332 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6855% | 1,212 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2116% | 3,696 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3536% | 2,477 |
| Percentage Net Loans Charged-off:Construction & development | 2.1015% | 1,063 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0091% | 6,418 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3161% | 2,400 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2726% | 1,298 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3374% | 2,220 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0175% | 5,583 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2376% | 6,482 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2376% | 6,432 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2794% | 3,047 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4591% | 2,013 |
| Percentage Net Loans Charged-off:Construction & development | 2.7619% | 852 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0015% | 2,855 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3526% | 2,162 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1556% | 1,328 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4488% | 1,785 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0099% | 5,454 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2076% | 6,437 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2076% | 6,365 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2443% | 3,106 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4098% | 2,118 |
| Percentage Net Loans Charged-off:Construction & development | 2.8068% | 792 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0024% | 2,464 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0785% | 3,249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2356% | 1,079 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0136% | 5,453 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1509% | 6,196 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1509% | 6,123 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2933% | 2,494 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5016% | 1,595 |
| Percentage Net Loans Charged-off:Construction & development | 3.2098% | 578 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1336% | 2,419 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4000% | 756 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0252% | 5,456 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2894% | 6,344 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2894% | 6,274 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4054% | 3,395 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6029% | 2,382 |
| Percentage Net Loans Charged-off:Construction & development | 0.9399% | 2,168 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3033% | 2,419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1413% | 1,086 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0491% | 1,861 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7185% | 704 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0313% | 4,069 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0378% | 244 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.9204% | 215 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0036% | 1,390 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3853% | 3,193 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5649% | 2,230 |
| Percentage Net Loans Charged-off:Construction & development | 1.0574% | 1,870 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0652% | 2,805 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3989% | 811 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0046% | 5,213 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1409% | 481 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0123% | 3,708 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.1741% | 196 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 5.9991% | 169 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0046% | 1,368 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4767% | 2,669 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6807% | 1,888 |
| Percentage Net Loans Charged-off:Construction & development | 0.7429% | 1,776 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0364% | 2,497 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0668% | 516 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0069% | 5,221 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1497% | 297 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0217% | 3,213 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.1806% | 127 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 8.8166% | 104 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0067% | 1,340 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6408% | 1,925 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0308% | 1,173 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0734% | 1,725 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.6260% | 238 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 5.4213% | 127 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0044% | 5,729 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1415% | 6,310 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1332% | 6,330 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0132% | 1,321 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5107% | 3,571 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7315% | 2,368 |
| Percentage Net Loans Charged-off:Construction & development | 0.2525% | 3,072 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1553% | 1,128 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8213% | 743 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2404% | 3,272 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3139% | 1,460 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2006% | 3,356 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0801% | 4,440 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1463% | 1,919 |
| 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 | 0.0238% | 1,879 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1924% | 155 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4654% | 3,425 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6651% | 2,329 |
| Percentage Net Loans Charged-off:Construction & development | 0.0742% | 2,979 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2499% | 939 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1245% | 3,589 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2058% | 1,441 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0779% | 3,771 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0573% | 4,123 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5833% | 1,326 |
| 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 | 0.0312% | 1,650 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.2514% | 131 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3217% | 3,716 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4212% | 2,682 |
| Percentage Net Loans Charged-off:Construction & development | 0.0675% | 2,607 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7870% | 1,180 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0916% | 3,429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0458% | 1,370 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1184% | 3,097 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0852% | 3,527 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2927% | 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 | 0.0452% | 1,398 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.3732% | 96 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1245% | 4,224 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1062% | 3,341 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0279% | 1,796 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3630% | 1,813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0904% | 929 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5262% | 1,450 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1758% | 2,447 |
| 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 | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.7390% | 60 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2059% | 5,344 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1921% | 4,167 |
| Percentage Net Loans Charged-off:Construction & development | 0.3088% | 3,110 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5215% | 2,030 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0988% | 1,758 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7705% | 1,499 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2114% | 4,454 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0399% | 1,310 |
| 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% | 2,150 |
| 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 | 0.2377% | 4,560 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2028% | 3,580 |
| Percentage Net Loans Charged-off:Construction & development | 0.2706% | 2,724 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5993% | 1,573 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1334% | 1,441 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8755% | 1,152 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2798% | 3,649 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4906% | 996 |
| 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% | 1,898 |
| 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 | 0.1489% | 4,703 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1162% | 3,656 |
| Percentage Net Loans Charged-off:Construction & development | 0.3294% | 2,270 |
| 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 | 0.1844% | 2,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0428% | 1,248 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2638% | 2,096 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2301% | 3,221 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,143 |
| 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% | 1,633 |
| 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 | 0.0946% | 4,228 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1428% | 2,634 |
| Percentage Net Loans Charged-off:Construction & development | 0.6568% | 1,395 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,232 |
| 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 | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1193% | 5,059 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1097% | 3,593 |
| Percentage Net Loans Charged-off:Construction & development | 0.0842% | 2,641 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0180% | 2,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3329% | 1,642 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4836% | 1,167 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1410% | 3,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3102% | 4,491 |
| 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% | 1,901 |
| 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 | 0.1490% | 3,817 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1484% | 2,485 |
| Percentage Net Loans Charged-off:Construction & development | 0.1121% | 1,947 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0245% | 1,562 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4523% | 977 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6549% | 670 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1521% | 3,032 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3923% | 3,606 |
| 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% | 1,634 |
| 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 | 0.1174% | 3,597 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1566% | 1,950 |
| Percentage Net Loans Charged-off:Construction & development | 0.1701% | 1,353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4690% | 809 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6745% | 556 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0315% | 2,991 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5488% | 2,716 |
| 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% | 1,409 |
| 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 | 0.1350% | 2,630 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2079% | 1,215 |
| Percentage Net Loans Charged-off:Construction & development | 0.1886% | 854 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6469% | 480 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9247% | 320 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| 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% | 1,048 |
| 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 | 0.0761% | 4,413 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1068% | 2,036 |
| Percentage Net Loans Charged-off:Construction & development | 0.4265% | 735 |
| 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 | 0.0575% | 2,330 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0854% | 1,910 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0208% | 3,787 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,698 |
| 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% | 1,751 |
| 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 | 0.0606% | 3,940 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0790% | 1,701 |
| Percentage Net Loans Charged-off:Construction & development | 0.3709% | 453 |
| 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 | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0287% | 3,057 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,220 |
| 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% | 1,521 |
| 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 | 0.0921% | 2,868 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1199% | 1,077 |
| Percentage Net Loans Charged-off:Construction & development | 0.5766% | 247 |
| 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 | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0440% | 2,456 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,675 |
| 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% | 1,336 |
| 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 | 0.1596% | 1,663 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2413% | 499 |
| Percentage Net Loans Charged-off:Construction & development | 1.1880% | 94 |
| 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 | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0034% | 1,839 |
| 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 | 0.1369% | 2,656 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1747% | 832 |
| Percentage Net Loans Charged-off:Construction & development | 0.6376% | 194 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1588% | 1,016 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2506% | 669 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0279% | 3,471 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3163% | 1,039 |
| 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 | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0074% | 5,366 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0058% | 2,685 |
| Percentage Net Loans Charged-off:Construction & development | 0.0275% | 509 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0092% | 3,046 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0659% | 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 | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0518% | 3,401 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0088% | 2,192 |
| Percentage Net Loans Charged-off:Construction & development | 0.0408% | 351 |
| 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 | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1372% | 1,904 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1468% | 3,972 |
| 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 | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0575% | 2,698 |
| 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 | 0.1589% | 1,275 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4572% | 2,272 |
| 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 | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0401% | 5,036 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| 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 | 0.0050% | 4,046 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7373% | 381 |
| 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 | 0.0492% | 4,221 |
| 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 | 0.0069% | 3,365 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2756% | 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% | 1,405 |
| 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 | 0.0366% | 4,245 |
| 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 | 2.4612% | 446 |
| 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 | 0.0212% | 3,941 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| 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 | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4802% | 998 |
| 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 | 0.0129% | 6,391 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| 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 | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0435% | 3,953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,496 |
| 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 | 0.0378% | 5,023 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0302% | 2,360 |
| 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 | 0.0942% | 1,417 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1536% | 1,011 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0596% | 3,245 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,086 |
| 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 | 0.0281% | 4,970 |
| 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 | 0.0955% | 2,591 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,607 |
| 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 | 0.0458% | 3,805 |
| 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 | 0.1601% | 1,675 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0478% | 5,939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0601% | 2,346 |
| Percentage Net Loans Charged-off:Construction & development | 0.2634% | 430 |
| 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 | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0201% | 4,626 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,896 |
| 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 | 0.0220% | 6,106 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0202% | 2,732 |
| Percentage Net Loans Charged-off:Construction & development | 0.0859% | 486 |
| 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 | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0298% | 3,968 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,497 |
| 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 | 0.0000% | 6,535 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| 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 | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| 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 | 0.0000% | 37 |
| 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 | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0723% | 5,686 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0254% | 3,134 |
| Percentage Net Loans Charged-off:Construction & development | 0.0931% | 657 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.2195% | 3,723 |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0723% | 5,626 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0996% | 1,667 |
| Percentage Net Loans Charged-off:Construction & development | 0.3351% | 384 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| Percentage Net Loans Charged-off: Credit card loans | 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 | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 7,622 |
| 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 | 0.0000% | 7,897 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,132 |
| 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 |