Home > The F&M Bank & Trust Company > Net charge- offs to loans
The F&M Bank & Trust Company, Net charge- offs to loans
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0562% | 5,855 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1265% | 6,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| 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 | -0.4047% | 6,506 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3080% | 4,792 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4128% | 6,500 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0040% | 4,539 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3861% | 6,020 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3861% | 5,972 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0740% | 4,175 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0758% | 3,420 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2707% | 1,847 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0667% | 4,772 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3066% | 1,640 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0727% | 2,685 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2767% | 2,828 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2767% | 2,683 |
| 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 | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1240% | 3,296 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1653% | 2,410 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6012% | 889 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0880% | 4,834 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6760% | 775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1023% | 2,250 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0981% | 3,411 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0981% | 3,268 |
| 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 | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1844% | 2,651 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2346% | 1,948 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8652% | 625 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1306% | 4,872 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9765% | 547 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1631% | 1,810 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0201% | 5,446 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0201% | 5,380 |
| 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 | 0.1504% | 2,499 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0287% | 6,210 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| 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 | -0.1075% | 6,528 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2558% | 4,949 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0901% | 6,484 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2801% | 1,150 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0193% | 2,787 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0193% | 2,639 |
| 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 | 0.3057% | 3,116 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1136% | 3,902 |
| Percentage Net Loans Charged-off:Construction & development | 0.0133% | 2,342 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0525% | 6,615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5827% | 1,566 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1615% | 578 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4921% | 1,747 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4679% | 2,151 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5681% | 2,174 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5681% | 2,025 |
| 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 | 0.3816% | 2,569 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1787% | 3,216 |
| Percentage Net Loans Charged-off:Construction & development | 0.1046% | 2,023 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0702% | 6,713 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8495% | 1,049 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5291% | 404 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7369% | 1,185 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5616% | 1,752 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7778% | 1,575 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7777% | 1,443 |
| 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 | 0.2343% | 3,167 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2508% | 2,664 |
| Percentage Net Loans Charged-off:Construction & development | 0.1531% | 1,766 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1116% | 6,834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2202% | 718 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2808% | 259 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0322% | 872 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2256% | 2,177 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8172% | 1,482 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8172% | 1,344 |
| 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 | 0.5275% | 1,770 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6465% | 1,334 |
| Percentage Net Loans Charged-off:Construction & development | 0.3026% | 1,220 |
| 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 | 2.5166% | 286 |
| Percentage Net Loans Charged-off: Home equity loans | 4.6289% | 120 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1267% | 383 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5172% | 1,265 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7852% | 6,793 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7852% | 6,739 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7930% | 824 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8961% | 714 |
| Percentage Net Loans Charged-off:Construction & development | 9.4929% | 489 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0702% | 3,235 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1875% | 3,512 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0231% | 1,895 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2176% | 3,228 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9217% | 1,236 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5317% | 2,703 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5166% | 2,473 |
| 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 | 1.9195% | 677 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5392% | 399 |
| Percentage Net Loans Charged-off:Construction & development | 13.1811% | 277 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0930% | 2,700 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2333% | 2,959 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1246% | 5,334 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2988% | 2,547 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5250% | 1,345 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4152% | 2,848 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4000% | 2,601 |
| 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 | 0.5079% | 2,579 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1299% | 3,741 |
| Percentage Net Loans Charged-off:Construction & development | 0.0409% | 2,268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1291% | 2,204 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2256% | 2,782 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1886% | 5,376 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3029% | 2,317 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9868% | 1,600 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6595% | 2,031 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6267% | 1,792 |
| 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 | 0.4750% | 2,286 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0020% | 6,623 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0091% | 6,803 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3822% | 5,428 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0616% | 2,631 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1394% | 1,179 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0876% | 6,121 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0808% | 6,099 |
| 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 | 0.6449% | 3,085 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2432% | 3,991 |
| Percentage Net Loans Charged-off:Construction & development | 0.5158% | 2,832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1009% | 3,199 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4212% | 2,508 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4825% | 2,276 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3267% | 2,179 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3717% | 3,853 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.4164% | 3,624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2134% | 3,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.6871% | 2,446 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4048% | 2,356 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4602% | 2,115 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7872% | 2,505 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2117% | 4,184 |
| 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 | 0.1214% | 4,970 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2062% | 3,508 |
| Percentage Net Loans Charged-off:Construction & development | 0.9772% | 2,009 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1343% | 3,165 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1512% | 2,925 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0314% | 6,566 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5370% | 2,844 |
| 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 | 0.1193% | 4,262 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3473% | 2,407 |
| Percentage Net Loans Charged-off:Construction & development | 1.9042% | 1,228 |
| 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 | -0.0055% | 7,205 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0062% | 7,219 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2401% | 7,077 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3658% | 2,914 |
| 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 | 0.8216% | 2,770 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7440% | 2,336 |
| Percentage Net Loans Charged-off:Construction & development | 3.3298% | 1,635 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0695% | 3,024 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1444% | 3,595 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1632% | 3,312 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9757% | 2,897 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5744% | 3,837 |
| 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 | 0.2924% | 4,198 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0782% | 4,516 |
| Percentage Net Loans Charged-off:Construction & development | 0.2962% | 2,700 |
| 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 | 0.0754% | 3,687 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0853% | 3,410 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5574% | 3,044 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4035% | 4,060 |
| 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 | 0.2701% | 3,838 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0200% | 4,625 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| 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 | 0.0820% | 3,132 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0932% | 2,858 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5648% | 2,571 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4848% | 3,530 |
| 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 | 0.4338% | 2,374 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0015% | 7,522 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| 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 | -0.0065% | 7,587 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0075% | 7,586 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9785% | 1,433 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2488% | 3,581 |
| 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 | 0.4462% | 2,598 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2035% | 2,848 |
| Percentage Net Loans Charged-off:Construction & development | 0.4001% | 2,111 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0347% | 2,092 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3925% | 1,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4611% | 1,204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7464% | 2,186 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4076% | 4,087 |
| 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 | 0.0931% | 4,551 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1414% | 2,555 |
| Percentage Net Loans Charged-off:Construction & development | 0.5174% | 1,418 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0130% | 7,785 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0043% | 7,715 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0051% | 7,695 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0317% | 3,679 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4900% | 3,283 |
| 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 | 0.0193% | 5,369 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0645% | 2,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.2327% | 1,266 |
| 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 | -0.0111% | 7,792 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0132% | 7,786 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0560% | 7,198 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6674% | 2,398 |
| 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 | -0.0584% | 7,833 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0167% | 7,891 |
| Percentage Net Loans Charged-off:Construction & development | -0.1063% | 7,634 |
| 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 | 0.0838% | 1,452 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0998% | 1,271 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1288% | 7,433 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3809% | 2,802 |
| 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 | 2.3834% | 127 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0385% | 3,059 |
| Percentage Net Loans Charged-off:Construction & development | 0.0210% | 1,462 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0667% | 1,207 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0153% | 7,909 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0180% | 7,908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7785% | 224 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4568% | 3,252 |
| 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 | 0.3308% | 1,206 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0211% | 2,659 |
| Percentage Net Loans Charged-off:Construction & development | 0.0284% | 955 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0281% | 982 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0155% | 7,835 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0183% | 7,840 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6208% | 1,309 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5463% | 2,503 |
| 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 | 0.1274% | 2,402 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0195% | 2,181 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0422% | 680 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0185% | 7,871 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0217% | 7,896 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2088% | 1,814 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6866% | 1,871 |
| 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 | 0.0321% | 3,351 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0422% | 1,290 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0840% | 354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0195% | 7,920 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0229% | 7,929 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0118% | 1,812 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4751% | 2,204 |
| 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 | 0.2397% | 1,696 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0359% | 2,262 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2551% | 667 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2989% | 560 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4366% | 1,749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1389% | 4,838 |
| 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 | 0.2770% | 1,191 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0024% | 7,555 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0169% | 8,004 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0198% | 7,994 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5556% | 1,226 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0808% | 7,485 |
| 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 | 0.3097% | 1,010 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 7,559 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0159% | 8,002 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0186% | 8,014 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6286% | 1,019 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2454% | 7,793 |
| 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 | -0.0780% | 7,987 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0036% | 7,653 |
| 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 | -0.0252% | 8,104 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0296% | 8,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1513% | 7,514 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0978% | 7,018 |
| 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 | 0.0437% | 4,931 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2052% | 666 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0052% | 1,289 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4053% | 75 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6948% | 61 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1078% | 7,613 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2235% | 4,952 |
| 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 | 0.1534% | 2,411 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2719% | 435 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0005% | 7,893 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8882% | 53 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2919% | 42 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0588% | 3,015 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0542% | 5,496 |
| 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% | 1,405 |
| 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 | 0.1017% | 2,850 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2072% | 600 |
| 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 | 1.4198% | 91 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7305% | 71 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0190% | 2,779 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1062% | 7,613 |
| 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 | -0.0039% | 6,731 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0028% | 7,695 |
| 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 | -0.0184% | 8,140 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0225% | 8,173 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0035% | 1,967 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2354% | 7,755 |
| 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 | 0.2861% | 2,019 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1048% | 1,544 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1683% | 847 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0357% | 2,420 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0450% | 2,164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4621% | 2,220 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4429% | 4,095 |
| 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 | 0.2346% | 2,057 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0091% | 2,961 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0006% | 1,211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0589% | 1,750 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0747% | 1,539 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4518% | 1,866 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2270% | 4,819 |
| 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 | 0.0614% | 4,107 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0053% | 2,623 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0009% | 951 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0326% | 1,784 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0415% | 1,602 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1050% | 2,551 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2454% | 4,366 |
| 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 | -0.3730% | 8,828 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0109% | 8,135 |
| 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 | -0.0753% | 8,594 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0959% | 8,640 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7639% | 8,291 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3073% | 3,532 |
| 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 | 0.4058% | 1,847 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1153% | 1,683 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1648% | 904 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1137% | 1,650 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1382% | 1,472 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7547% | 2,072 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6136% | 8,880 |
| 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 | 0.1902% | 3,091 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0281% | 2,554 |
| 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 | 0.1575% | 1,123 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1902% | 979 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4425% | 2,353 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.3430% | 9,001 |
| 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% | 1,617 |
| 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 | -0.0402% | 8,408 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0381% | 2,042 |
| 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 | 0.2063% | 838 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2481% | 738 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0375% | 3,370 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.2180% | 9,074 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| 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 | -0.1352% | 8,756 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0610% | 1,332 |
| 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 | 0.3359% | 485 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4070% | 413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0739% | 2,226 |
| Percentage Net Loans Charged-off: Loans to individuals | -5.3598% | 9,138 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.2512% | 3,154 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0107% | 3,678 |
| 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 | 0.0581% | 2,196 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0698% | 1,970 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3373% | 3,292 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8818% | 970 |
| 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 | 0.4818% | 1,691 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1356% | 1,343 |
| 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 | 1.7292% | 55 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1211% | 1,353 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1478% | 1,157 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7072% | 2,230 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4671% | 1,336 |
| 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 | -0.0473% | 9,304 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0011% | 1,256 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0075% | 1,371 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0095% | 1,390 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1400% | 1,416 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3337% | 957 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3823% | 1,837 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1481% | 183 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9288% | 19 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8885% | 21 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6748% | 37 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6732% | 295 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2038% | 1,147 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0637% | 6,003 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0034% | 920 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0166% | 719 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0206% | 627 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0897% | 783 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2607% | 1,061 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8664% | 725 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0759% | 423 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3391% | 72 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4328% | 52 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7975% | 82 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7689% | 686 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9682% | 750 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0344% | 685 |
| Percentage Net Loans Charged-off:Construction & development | -0.0390% | 1,326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0011% | 1,139 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1008% | 1,366 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2351% | 172 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3138% | 117 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8668% | 89 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1564% | 447 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1892% | 4,034 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0081% | 1,294 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0130% | 1,209 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0068% | 1,370 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0079% | 1,379 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1726% | 1,237 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4981% | 106 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5053% | 1,762 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0429% | 1,354 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0297% | 1,249 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1209% | 1,468 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1371% | 1,469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7444% | 274 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3617% | 199 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0982% | 7,131 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0218% | 1,418 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0313% | 1,365 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0128% | 1,409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0159% | 1,413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1748% | 759 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1852% | 1,106 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1227% | 13,119 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1531% | 1,564 |
| Percentage Net Loans Charged-off:Construction & development | -0.0679% | 1,431 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0238% | 1,482 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.4248% | 1,571 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | -0.5625% | 1,569 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2031% | 1,392 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5665% | 901 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,026 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |