Home > The First National Bank of Shelby > Net charge- offs to loans
The First National Bank of Shelby, Net charge- offs to loans
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2227% | 2,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2464% | 1,885 |
| Percentage Net Loans Charged-off:Construction & development | 0.7250% | 807 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0840% | 1,660 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4787% | 259 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3319% | 1,505 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0890% | 979 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4401% | 1,179 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1057% | 1,973 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0932% | 5,681 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0932% | 5,625 |
| 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 | -0.2346% | 6,715 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2971% | 6,756 |
| Percentage Net Loans Charged-off:Construction & development | -4.1641% | 6,240 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0020% | 1,427 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1442% | 1,890 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2974% | 586 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0750% | 2,040 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2397% | 1,191 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0895% | 2,626 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0895% | 2,478 |
| 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 | 2.0979% | 339 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3211% | 246 |
| Percentage Net Loans Charged-off:Construction & development | 6.2488% | 438 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7588% | 472 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7992% | 493 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3215% | 255 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3249% | 505 |
| All other 1-4 family - Percent of loans charged-off, net | 2.7978% | 205 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8715% | 1,565 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2995% | 3,021 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2995% | 2,847 |
| 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 | 2.3251% | 280 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5709% | 215 |
| Percentage Net Loans Charged-off:Construction & development | 8.1786% | 336 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4597% | 573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5607% | 483 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.8470% | 203 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5284% | 405 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4790% | 169 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0456% | 1,266 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1050% | 3,690 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1050% | 3,512 |
| 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 | 1.3802% | 744 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4700% | 628 |
| Percentage Net Loans Charged-off:Construction & development | 3.0006% | 756 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5581% | 1,178 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0076% | 5,481 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5509% | 265 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3949% | 442 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1036% | 223 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1473% | 1,142 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1011% | 3,405 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1011% | 3,214 |
| 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 | 1.3506% | 748 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3679% | 673 |
| Percentage Net Loans Charged-off:Construction & development | 1.3766% | 856 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4075% | 1,063 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0148% | 5,535 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9767% | 221 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1678% | 275 |
| All other 1-4 family - Percent of loans charged-off, net | 3.3623% | 212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7158% | 721 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4484% | 1,924 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4484% | 1,756 |
| 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 | 2.3546% | 524 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4825% | 449 |
| Percentage Net Loans Charged-off:Construction & development | 7.9583% | 598 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2317% | 1,017 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7502% | 488 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0609% | 517 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8894% | 903 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6223% | 404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4364% | 1,576 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8730% | 519 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.6420% | 484 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3951% | 888 |
| 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 | 2.1870% | 563 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3069% | 474 |
| Percentage Net Loans Charged-off:Construction & development | 6.9972% | 630 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3070% | 848 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3155% | 692 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9737% | 524 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9428% | 784 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4693% | 397 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9820% | 1,786 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6486% | 369 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.2806% | 362 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5001% | 748 |
| 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 | 1.9360% | 704 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9481% | 657 |
| Percentage Net Loans Charged-off:Construction & development | 8.3720% | 514 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1618% | 2,130 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4859% | 525 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6480% | 684 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9184% | 746 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9978% | 550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5187% | 1,245 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0127% | 352 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.4798% | 333 |
| 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 | 2.9399% | 369 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0660% | 311 |
| Percentage Net Loans Charged-off:Construction & development | 14.8233% | 223 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1704% | 1,529 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0149% | 282 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5799% | 660 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0707% | 535 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8233% | 555 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3893% | 1,055 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.7609% | 227 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.6573% | 217 |
| 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 | 1.8697% | 1,107 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6230% | 1,204 |
| Percentage Net Loans Charged-off:Construction & development | 5.1591% | 1,215 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0403% | 1,249 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8009% | 1,662 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4080% | 1,347 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9795% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6732% | 678 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1143% | 1,974 |
| 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 | 0.1481% | 1,486 |
| 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 | 1.6972% | 1,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3732% | 1,313 |
| Percentage Net Loans Charged-off:Construction & development | 3.6106% | 1,425 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2437% | 946 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6120% | 1,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5482% | 1,061 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6407% | 1,728 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.0404% | 551 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2162% | 1,667 |
| 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 | 0.0127% | 1,735 |
| 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 | 1.6635% | 1,133 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1737% | 1,403 |
| Percentage Net Loans Charged-off:Construction & development | 1.8902% | 1,670 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4904% | 722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6255% | 1,649 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6857% | 851 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5985% | 1,627 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.2800% | 435 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4566% | 1,353 |
| 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 | 0.5482% | 2,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3808% | 2,322 |
| Percentage Net Loans Charged-off:Construction & development | 0.6008% | 1,645 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1176% | 1,589 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6846% | 1,310 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4779% | 730 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7751% | 1,160 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5141% | 1,269 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8429% | 1,069 |
| 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 | 0.8980% | 2,593 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5392% | 2,801 |
| Percentage Net Loans Charged-off:Construction & development | 1.7483% | 2,187 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1953% | 2,454 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4153% | 2,322 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8464% | 947 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2305% | 2,948 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3170% | 1,217 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0360% | 1,316 |
| 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 | 0.4516% | 3,424 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3002% | 3,112 |
| Percentage Net Loans Charged-off:Construction & development | 0.8012% | 2,277 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1223% | 2,222 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3172% | 2,326 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5878% | 961 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2014% | 2,664 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1489% | 2,190 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5744% | 1,631 |
| 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 | 0.4170% | 3,130 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3522% | 2,517 |
| Percentage Net Loans Charged-off:Construction & development | 0.8220% | 1,886 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1818% | 1,589 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3893% | 1,846 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2435% | 1,052 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4514% | 1,580 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4244% | 2,809 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5356% | 1,583 |
| 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 | 0.3836% | 2,564 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2584% | 2,221 |
| Percentage Net Loans Charged-off:Construction & development | 0.1248% | 1,720 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2764% | 855 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3784% | 1,449 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3189% | 670 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4034% | 1,296 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5975% | 1,752 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9692% | 1,168 |
| 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 | 0.9264% | 1,340 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3552% | 2,101 |
| Percentage Net Loans Charged-off:Construction & development | 1.1344% | 1,489 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0626% | 1,932 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5899% | 339 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2306% | 2,014 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1730% | 1,063 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2531% | 1,836 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4965% | 436 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8219% | 1,150 |
| 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 | 0.6641% | 1,286 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3726% | 1,459 |
| Percentage Net Loans Charged-off:Construction & development | 1.3785% | 912 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0112% | 1,664 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8909% | 191 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1352% | 2,091 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2392% | 762 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0956% | 2,219 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0921% | 721 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8234% | 939 |
| 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 | 0.2566% | 2,373 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1402% | 2,060 |
| Percentage Net Loans Charged-off:Construction & development | 0.0067% | 1,679 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0171% | 1,222 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4643% | 95 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2262% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3710% | 521 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1719% | 1,456 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3197% | 1,991 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6167% | 1,015 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| 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 | 0.2232% | 2,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0606% | 2,009 |
| Percentage Net Loans Charged-off:Construction & development | 0.0089% | 1,103 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0326% | 708 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1509% | 1,204 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1444% | 473 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1533% | 1,079 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1311% | 1,778 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3236% | 638 |
| 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 | 0.3319% | 1,654 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2516% | 1,122 |
| Percentage Net Loans Charged-off:Construction & development | 0.2760% | 881 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2380% | 735 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3038% | 882 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2984% | 455 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3058% | 862 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3972% | 2,126 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9996% | 1,609 |
| 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 | 0.4968% | 866 |
| 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 | 0.2707% | 1,484 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2177% | 835 |
| Percentage Net Loans Charged-off:Construction & development | 0.2850% | 519 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2283% | 488 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2000% | 917 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4002% | 272 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1288% | 1,157 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0992% | 2,629 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0135% | 1,344 |
| 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 | 0.4826% | 773 |
| 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 | 0.3428% | 1,053 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3435% | 458 |
| Percentage Net Loans Charged-off:Construction & development | 0.3383% | 332 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3422% | 287 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4151% | 451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6149% | 167 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3444% | 500 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0089% | 6,707 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9870% | 1,307 |
| 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 | 0.2514% | 1,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1778% | 617 |
| Percentage Net Loans Charged-off:Construction & development | 0.1401% | 282 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0023% | 7,889 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4842% | 324 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4850% | 150 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4839% | 306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1223% | 1,470 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1921% | 1,067 |
| 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 | 0.3385% | 1,172 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2059% | 707 |
| Percentage Net Loans Charged-off:Construction & development | 0.1263% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2663% | 479 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1976% | 838 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2650% | 270 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1732% | 920 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5243% | 1,588 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2315% | 1,130 |
| 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 | 0.2023% | 1,588 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0543% | 1,556 |
| Percentage Net Loans Charged-off:Construction & development | -0.0228% | 7,744 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 7,801 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1696% | 798 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1493% | 301 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1771% | 753 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4483% | 1,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0829% | 1,191 |
| 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 | 0.2241% | 1,387 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0898% | 1,048 |
| Percentage Net Loans Charged-off:Construction & development | -0.0348% | 7,742 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0013% | 7,896 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2776% | 475 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3343% | 144 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2560% | 522 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4921% | 1,161 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9579% | 1,331 |
| 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 | 0.1740% | 1,455 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0322% | 8,171 |
| Percentage Net Loans Charged-off:Construction & development | -0.0700% | 7,727 |
| 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 | -0.0655% | 8,313 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2367% | 6,024 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0176% | 577 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6067% | 1,910 |
| 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 | 0.3745% | 1,221 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2955% | 459 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3041% | 446 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6078% | 55 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1854% | 899 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4358% | 162 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0896% | 1,496 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5583% | 1,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8339% | 2,266 |
| 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 | 0.1749% | 2,187 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0741% | 1,363 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0287% | 882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1678% | 852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5010% | 112 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0404% | 1,782 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2436% | 2,177 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9644% | 1,682 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| 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 | 0.2058% | 1,769 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0987% | 1,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0437% | 650 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2147% | 656 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7595% | 82 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0077% | 1,878 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3766% | 1,585 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9194% | 1,717 |
| 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 | 0.2770% | 1,205 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1380% | 677 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0896% | 363 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2603% | 501 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9788% | 65 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0104% | 8,026 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8047% | 809 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6397% | 2,181 |
| 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 | 0.2614% | 2,193 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1154% | 1,445 |
| Percentage Net Loans Charged-off:Construction & development | 0.3247% | 296 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0445% | 1,226 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1566% | 1,169 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0411% | 522 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1945% | 985 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6502% | 1,833 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9610% | 2,133 |
| 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 | 0.2577% | 1,881 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0894% | 1,446 |
| Percentage Net Loans Charged-off:Construction & development | 0.4294% | 220 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0605% | 888 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0290% | 2,161 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0568% | 405 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0201% | 2,195 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8395% | 1,295 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8251% | 2,313 |
| 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 | 0.2614% | 1,767 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0783% | 1,428 |
| Percentage Net Loans Charged-off:Construction & development | 0.5678% | 164 |
| 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 | 0.0255% | 1,878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0887% | 302 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0056% | 2,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0711% | 983 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5411% | 3,080 |
| 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 | 0.0469% | 3,784 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 1,687 |
| 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 | 0.0479% | 1,239 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1861% | 168 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0057% | 1,435 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3073% | 7,981 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9418% | 1,898 |
| 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 | 0.5104% | 1,428 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2525% | 893 |
| Percentage Net Loans Charged-off:Construction & development | 0.2651% | 426 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1373% | 976 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4293% | 528 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4081% | 69 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1289% | 1,526 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0224% | 1,653 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8040% | 1,018 |
| 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% | 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 | 0.5394% | 1,178 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2247% | 830 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1333% | 803 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4465% | 434 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8966% | 43 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0020% | 2,733 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3010% | 1,153 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8408% | 887 |
| 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 | 0.4254% | 1,456 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1173% | 1,254 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1927% | 571 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0878% | 1,355 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2014% | 207 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0527% | 1,605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2973% | 1,082 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4054% | 1,385 |
| 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 | 0.1046% | 3,294 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0037% | 8,147 |
| 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 | -0.0097% | 8,408 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0127% | 8,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1260% | 1,766 |
| 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 | 0.3943% | 2,117 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0150% | 3,496 |
| Percentage Net Loans Charged-off:Construction & development | 0.0343% | 765 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0068% | 8,558 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0360% | 2,542 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0734% | 459 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0238% | 2,677 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4849% | 1,393 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2958% | 1,727 |
| 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 | 0.0442% | 1,791 |
| 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 | 0.3935% | 2,087 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0420% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0040% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0961% | 1,575 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1220% | 1,325 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9100% | 1,928 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9584% | 840 |
| 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 | 0.1567% | 1,419 |
| 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 | 0.2354% | 2,754 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0154% | 698 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0197% | 343 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0171% | 676 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0206% | 595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7239% | 336 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9545% | 429 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9545% | 776 |
| 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 | 0.1806% | 3,483 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0741% | 342 |
| 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 | 0.1472% | 206 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1734% | 170 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3449% | 509 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5947% | 719 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1282% | 144 |
| 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 | 0.1260% | 4,598 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 971 |
| 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 | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0953% | 1,292 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8054% | 606 |
| 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 | 0.8362% | 769 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,004 |
| 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 | 0.0000% | 1,009 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0402% | 73 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9533% | 579 |
| 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 | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7896% | 990 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0699% | 75 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8754% | 603 |
| 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 | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0846% | 6,015 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3239% | 2,805 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0748% | 7,662 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5028% | 4,227 |
| 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 |