Home > The Bank of Northern Michigan > Net charge- offs to loans
The Bank of Northern Michigan, Net charge- offs to loans
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0081% | 3,888 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0145% | 2,671 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0076% | 5,177 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0654% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 830 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0856% | 1,694 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0109% | 4,385 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,397 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,255 |
| 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 | -0.0243% | 1,225 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0121% | 3,492 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0217% | 2,309 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 555 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0113% | 5,349 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1001% | 1,522 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1315% | 1,276 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0164% | 4,440 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,048 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,908 |
| 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 | -0.0371% | 1,210 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0407% | 2,412 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0521% | 1,488 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0126% | 5,503 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2176% | 812 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2866% | 650 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0058% | 1,152 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,512 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,382 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0492% | 1,191 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0706% | 6,024 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0499% | 5,910 |
| Percentage Net Loans Charged-off:Construction & development | -0.4588% | 5,582 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0618% | 1,746 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1630% | 6,198 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2164% | 6,224 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1315% | 5,441 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,910 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,787 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0602% | 1,303 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0468% | 5,879 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0515% | 5,947 |
| Percentage Net Loans Charged-off:Construction & development | -0.5136% | 5,668 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0887% | 1,358 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2124% | 6,283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2823% | 6,313 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0364% | 4,948 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,617 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,473 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0641% | 1,290 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0096% | 4,076 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0322% | 2,739 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 833 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1430% | 1,038 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2134% | 6,354 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2839% | 6,385 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0485% | 5,031 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,292 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,146 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0672% | 1,266 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0782% | 6,017 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0761% | 6,151 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0496% | 6,093 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1930% | 6,389 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2586% | 6,425 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0862% | 5,317 |
| 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 | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0667% | 1,238 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2066% | 2,811 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1705% | 2,536 |
| Percentage Net Loans Charged-off:Construction & development | 0.0635% | 1,496 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1859% | 1,744 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2153% | 2,143 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,420 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2975% | 1,676 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3163% | 1,903 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4131% | 6,355 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4131% | 6,313 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.7232% | 30 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2819% | 2,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1764% | 2,320 |
| Percentage Net Loans Charged-off:Construction & development | 0.1000% | 1,312 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2477% | 1,381 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0622% | 3,129 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0865% | 2,751 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5771% | 1,272 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3654% | 6,314 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3654% | 6,258 |
| 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 | 3.5496% | 26 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4704% | 1,402 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3102% | 1,607 |
| Percentage Net Loans Charged-off:Construction & development | 0.2851% | 1,006 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3688% | 1,050 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2381% | 1,845 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3339% | 1,439 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9226% | 916 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2848% | 6,157 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2848% | 6,111 |
| 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 | 5.1766% | 20 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2431% | 1,997 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1719% | 1,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.6101% | 643 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4797% | 1,033 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6766% | 760 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4481% | 981 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.4500% | 2,431 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5085% | 1,944 |
| Percentage Net Loans Charged-off:Construction & development | 1.9859% | 1,098 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3442% | 1,873 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4219% | 2,042 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7091% | 379 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0350% | 6,623 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2963% | 2,513 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1762% | 3,560 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1762% | 3,391 |
| 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 | 0.4666% | 2,237 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4971% | 1,899 |
| Percentage Net Loans Charged-off:Construction & development | 1.5594% | 1,148 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3443% | 1,651 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5490% | 1,624 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2897% | 268 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0533% | 6,736 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3924% | 2,043 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2485% | 2,995 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2485% | 2,820 |
| 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 | 0.6285% | 1,746 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7122% | 1,396 |
| Percentage Net Loans Charged-off:Construction & development | 2.2116% | 912 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4952% | 1,257 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7485% | 1,200 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0066% | 197 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0111% | 6,467 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4113% | 1,847 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.6958% | 1,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7606% | 1,193 |
| Percentage Net Loans Charged-off:Construction & development | 0.1369% | 1,308 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9923% | 673 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6584% | 1,233 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5991% | 238 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5346% | 1,248 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| 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 | 0.5359% | 2,862 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6353% | 2,307 |
| Percentage Net Loans Charged-off:Construction & development | 1.6910% | 1,817 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3867% | 2,226 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.5398% | 393 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3109% | 2,886 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5393% | 1,187 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2383% | 3,131 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2785% | 3,235 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3489% | 6,945 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3396% | 6,925 |
| 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 | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5779% | 2,519 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6626% | 2,032 |
| Percentage Net Loans Charged-off:Construction & development | 1.9084% | 1,547 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3083% | 2,042 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.8908% | 268 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3248% | 2,550 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1974% | 1,421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3651% | 2,302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3619% | 2,664 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1721% | 6,704 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1669% | 6,689 |
| 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 | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4588% | 2,746 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6241% | 2,001 |
| Percentage Net Loans Charged-off:Construction & development | 1.2257% | 1,596 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4174% | 1,616 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.2419% | 156 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2367% | 2,742 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0790% | 1,366 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2849% | 2,388 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1177% | 6,450 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1137% | 6,457 |
| 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 | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2448% | 3,106 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3333% | 2,295 |
| Percentage Net Loans Charged-off:Construction & development | 0.1659% | 1,564 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5125% | 1,087 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1299% | 2,537 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1684% | 2,221 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2366% | 6,557 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2284% | 6,613 |
| 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 | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5058% | 3,595 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6689% | 2,519 |
| Percentage Net Loans Charged-off:Construction & development | 0.8907% | 2,575 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2825% | 2,564 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3703% | 611 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1440% | 1,249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9934% | 872 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1898% | 1,191 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0513% | 4,553 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2685% | 4,254 |
| 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% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3854% | 3,745 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4980% | 2,709 |
| Percentage Net Loans Charged-off:Construction & development | 0.1029% | 2,939 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1750% | 2,510 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3506% | 933 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9791% | 805 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4669% | 857 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0724% | 4,068 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3522% | 3,620 |
| 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% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5520% | 2,875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7165% | 2,025 |
| Percentage Net Loans Charged-off:Construction & development | 0.1523% | 2,527 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2183% | 1,963 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9701% | 600 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4599% | 552 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1315% | 557 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1151% | 3,452 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,626 |
| 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% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8099% | 1,916 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1030% | 1,265 |
| Percentage Net Loans Charged-off:Construction & development | 0.3208% | 1,780 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5270% | 272 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4352% | 467 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2012% | 233 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0061% | 6,349 |
| 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 | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5362% | 3,640 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5821% | 2,683 |
| Percentage Net Loans Charged-off:Construction & development | 0.6337% | 2,829 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5872% | 1,629 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5845% | 1,898 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2309% | 1,568 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6985% | 1,612 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3654% | 4,057 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6901% | 1,633 |
| 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 | 0.5032% | 3,214 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5585% | 2,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.4881% | 2,537 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5046% | 1,343 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7444% | 1,365 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3093% | 1,229 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8846% | 1,144 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2779% | 3,658 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2269% | 1,117 |
| 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 | 0.5239% | 2,753 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6341% | 1,861 |
| Percentage Net Loans Charged-off:Construction & development | 0.5926% | 2,048 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7505% | 829 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5210% | 1,537 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6822% | 1,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1981% | 3,295 |
| 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 | 0.6063% | 1,962 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6762% | 1,358 |
| Percentage Net Loans Charged-off:Construction & development | 0.2970% | 1,605 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2975% | 376 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0488% | 7,826 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0632% | 7,834 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4072% | 1,980 |
| 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 | 0.3845% | 2,900 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4099% | 1,921 |
| Percentage Net Loans Charged-off:Construction & development | 0.1581% | 2,472 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4780% | 891 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.3876% | 152 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1657% | 2,367 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2141% | 1,990 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3223% | 3,160 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,903 |
| 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 | 0.3719% | 2,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4512% | 1,267 |
| Percentage Net Loans Charged-off:Construction & development | 0.2177% | 1,761 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4159% | 633 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.2471% | 87 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2476% | 1,519 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3210% | 1,185 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1125% | 3,210 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,434 |
| 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 | 0.2520% | 2,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3142% | 1,299 |
| Percentage Net Loans Charged-off:Construction & development | 0.2041% | 1,304 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0094% | 7,810 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.2181% | 34 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2615% | 1,232 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3387% | 963 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0351% | 2,973 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,890 |
| 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 | 0.3614% | 1,424 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4602% | 723 |
| Percentage Net Loans Charged-off:Construction & development | 0.0113% | 1,098 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.0543% | 22 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5306% | 567 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6869% | 429 |
| 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 | 0.1592% | 3,074 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1994% | 1,350 |
| Percentage Net Loans Charged-off:Construction & development | 0.3098% | 845 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6486% | 99 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3079% | 870 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4001% | 669 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0079% | 3,891 |
| 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 | 0.1546% | 2,429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1925% | 938 |
| Percentage Net Loans Charged-off:Construction & development | 0.1689% | 648 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.3811% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3194% | 625 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4158% | 468 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0108% | 3,214 |
| 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 | 0.1219% | 2,473 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1489% | 928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0361% | 668 |
| 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 | 0.4892% | 374 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6371% | 280 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0219% | 2,591 |
| 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 | 0.2156% | 1,313 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2978% | 418 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0043% | 158 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3196% | 128 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1024% | 7,380 |
| 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 | 0.1426% | 2,580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0998% | 1,324 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1199% | 727 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1428% | 1,092 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2031% | 807 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3590% | 1,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,719 |
| 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 | 0.0570% | 3,585 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0766% | 1,274 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1653% | 495 |
| 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 | -0.0354% | 7,061 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,218 |
| 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 | 0.0888% | 2,662 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1166% | 887 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2591% | 333 |
| 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 | -0.0484% | 7,063 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| 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 | -0.0052% | 6,635 |
| 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 | -0.0339% | 6,913 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| 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 | 0.0377% | 5,098 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0243% | 2,600 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0575% | 938 |
| 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 | 0.0823% | 3,437 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4465% | 3,818 |
| 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 | 0.0000% | 6,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| 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 | 0.0000% | 5,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| 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 | 0.0000% | 4,728 |
| 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 | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.0659% | 4,899 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0847% | 1,766 |
| Percentage Net Loans Charged-off:Construction & development | 0.3806% | 266 |
| 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 | 0.0277% | 2,573 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0748% | 447 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2366% | 8,432 |
| 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 | 0.0795% | 4,026 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1026% | 1,311 |
| Percentage Net Loans Charged-off:Construction & development | 0.5312% | 188 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3055% | 8,434 |
| 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 | 0.1224% | 3,065 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1585% | 930 |
| Percentage Net Loans Charged-off:Construction & development | 0.8487% | 129 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4331% | 8,481 |
| 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 | 0.3964% | 1,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4854% | 287 |
| Percentage Net Loans Charged-off:Construction & development | 2.5716% | 62 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,682 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0036% | 7,275 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0000% | 4,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1851% | 5,977 |
| 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% | 1,856 |
| 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 | 0.0000% | 6,967 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0000% | 4,156 |
| 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 | 0.0000% | 7,632 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 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 | 0.0000% | 4,878 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0037% | 7,626 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0956% | 6,678 |
| 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 |