Home > The Heritage Bank > Net charge- offs to loans
The Heritage Bank, Net charge- offs to loans
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2887% | 2,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3562% | 1,456 |
| Percentage Net Loans Charged-off:Construction & development | -0.0308% | 5,514 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7306% | 681 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0381% | 3,030 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0248% | 4,680 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0558% | 2,726 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0635% | 5,402 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0406% | 3,364 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0811% | 3,033 |
| 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 | 0.5864% | 1,038 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7323% | 726 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4858% | 315 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1082% | 2,035 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1392% | 1,795 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0659% | 5,430 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3193% | 6,155 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2395% | 5,968 |
| 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 | 0.8497% | 1,352 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6203% | 1,646 |
| Percentage Net Loans Charged-off:Construction & development | 0.2231% | 2,063 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1020% | 828 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2728% | 2,603 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3341% | 5,132 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4427% | 1,905 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9666% | 566 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4226% | 2,606 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4437% | 2,384 |
| 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 | 0.6204% | 1,776 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7262% | 1,372 |
| Percentage Net Loans Charged-off:Construction & development | 0.4574% | 1,698 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3661% | 611 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1779% | 2,923 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2485% | 5,158 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2964% | 2,261 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2192% | 2,435 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1427% | 6,297 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1141% | 6,150 |
| 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 | 0.5273% | 2,009 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7739% | 1,287 |
| Percentage Net Loans Charged-off:Construction & development | 0.4073% | 1,576 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3760% | 595 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2946% | 2,240 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3714% | 5,200 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4759% | 1,655 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9355% | 6,743 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2153% | 6,364 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2153% | 6,291 |
| 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 | 0.0213% | 4,388 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0256% | 6,641 |
| Percentage Net Loans Charged-off:Construction & development | 0.1711% | 1,292 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0253% | 1,649 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1555% | 6,954 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6954% | 5,256 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0116% | 6,449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4216% | 1,352 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0844% | 5,812 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0844% | 5,729 |
| 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 | 1.0659% | 1,622 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0841% | 1,484 |
| Percentage Net Loans Charged-off:Construction & development | 3.7707% | 1,219 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8603% | 1,411 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5103% | 2,185 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0540% | 5,283 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6479% | 1,797 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2521% | 1,727 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7679% | 2,083 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7145% | 1,926 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5063% | 2,735 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5649% | 2,231 |
| Percentage Net Loans Charged-off:Construction & development | 2.6115% | 1,357 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5479% | 1,602 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0279% | 6,980 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0432% | 5,279 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0242% | 6,961 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0473% | 6,216 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0667% | 1,451 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9734% | 1,324 |
| 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 | 0.3081% | 3,333 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3535% | 2,716 |
| Percentage Net Loans Charged-off:Construction & development | 4.0370% | 955 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,658 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3482% | 7,300 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0648% | 5,310 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4155% | 7,293 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0290% | 6,047 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3717% | 2,791 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3273% | 2,640 |
| 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 | -0.0992% | 7,084 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1300% | 7,241 |
| Percentage Net Loans Charged-off:Construction & development | -1.0991% | 6,709 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0372% | 1,801 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0408% | 7,042 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0430% | 5,289 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0403% | 7,018 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0288% | 2,316 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2949% | 2,595 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2482% | 2,414 |
| 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 | 0.8211% | 2,584 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7114% | 2,410 |
| Percentage Net Loans Charged-off:Construction & development | 2.0887% | 2,034 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5701% | 1,904 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4445% | 874 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5321% | 2,197 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5848% | 602 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2861% | 2,947 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1210% | 1,546 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2689% | 4,249 |
| 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 | 0.4532% | 3,487 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3208% | 3,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3389% | 2,068 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5850% | 670 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3760% | 2,459 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8376% | 501 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0349% | 4,135 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7766% | 1,582 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1359% | 4,516 |
| 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 | 0.7004% | 2,468 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5748% | 2,306 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4135% | 1,601 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8700% | 496 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9156% | 1,259 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7703% | 327 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4838% | 1,863 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1531% | 1,282 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0537% | 4,499 |
| 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 | 0.6482% | 2,204 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5484% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8248% | 854 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1444% | 248 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2987% | 2,001 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1635% | 883 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3299% | 1,822 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8282% | 1,136 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0524% | 3,818 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| 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 | 1.7917% | 1,395 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6761% | 1,238 |
| Percentage Net Loans Charged-off:Construction & development | 3.3366% | 1,632 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6622% | 700 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2719% | 1,047 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6980% | 564 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1734% | 1,098 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2647% | 1,236 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9620% | 2,777 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2726% | 1,153 |
| 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 | 1.7066% | 1,186 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4863% | 1,138 |
| Percentage Net Loans Charged-off:Construction & development | 4.6069% | 1,055 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9932% | 836 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1222% | 973 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7596% | 471 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9743% | 1,055 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8032% | 841 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0397% | 2,381 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2901% | 1,085 |
| 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 | 0.3856% | 3,274 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4294% | 2,312 |
| Percentage Net Loans Charged-off:Construction & development | 0.3105% | 2,287 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3887% | 1,185 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5585% | 1,465 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4181% | 914 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5914% | 1,348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0958% | 3,574 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5153% | 3,437 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6543% | 925 |
| 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 | 0.3101% | 2,868 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3472% | 1,945 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1174% | 1,068 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7938% | 907 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9841% | 726 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0379% | 6,993 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6510% | 2,632 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8724% | 737 |
| 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 | 0.1161% | 5,101 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0727% | 4,026 |
| Percentage Net Loans Charged-off:Construction & development | 0.4141% | 2,095 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0134% | 7,761 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0355% | 3,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0439% | 3,305 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0559% | 4,273 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8925% | 2,515 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8154% | 750 |
| 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 | 0.0419% | 5,426 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0067% | 4,408 |
| Percentage Net Loans Charged-off:Construction & development | -0.0238% | 7,601 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0182% | 7,817 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0469% | 2,869 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0580% | 2,546 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0061% | 6,899 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6475% | 2,752 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1027% | 841 |
| 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 | 0.0217% | 5,307 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0100% | 3,585 |
| Percentage Net Loans Charged-off:Construction & development | -0.0340% | 7,616 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0281% | 7,908 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0697% | 2,162 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0863% | 1,869 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0091% | 6,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2565% | 3,774 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4343% | 695 |
| 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 | 0.0392% | 3,939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0546% | 2,073 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| 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 | 0.1395% | 1,240 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1727% | 1,029 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0771% | 7,036 |
| Percentage Net Loans Charged-off: Credit card loans | -0.4449% | 1,725 |
| 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 | 0.6067% | 869 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4360% | 653 |
| Percentage Net Loans Charged-off:Construction & development | 1.6905% | 272 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3965% | 546 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0019% | 7,680 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0024% | 7,683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5737% | 797 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3073% | 1,174 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9960% | 397 |
| 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 | 0.0805% | 3,512 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0010% | 7,454 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0025% | 7,601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0032% | 7,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4438% | 1,582 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5706% | 2,417 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6108% | 949 |
| 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 | -0.0147% | 7,433 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0015% | 7,421 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0038% | 7,632 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0048% | 7,640 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2135% | 7,622 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2150% | 3,593 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2305% | 943 |
| 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 | 0.0275% | 3,477 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0030% | 7,538 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0077% | 7,754 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0097% | 7,764 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0224% | 1,780 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5372% | 2,050 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2327% | 775 |
| 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 | 0.0213% | 5,292 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0038% | 7,717 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0036% | 7,815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0058% | 7,838 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0074% | 7,839 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2588% | 2,255 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0605% | 7,642 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4766% | 1,124 |
| 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 | -0.0100% | 7,496 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0030% | 7,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0049% | 7,876 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0026% | 7,684 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0033% | 7,703 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0393% | 7,089 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0642% | 7,404 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8008% | 893 |
| 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 | -0.0025% | 6,908 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| 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 | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0589% | 7,147 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0722% | 4,411 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4429% | 645 |
| 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 | 0.0025% | 4,319 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0465% | 7,021 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1436% | 3,343 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2055% | 643 |
| 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 | 0.1208% | 3,317 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0137% | 2,926 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0355% | 2,264 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0452% | 1,998 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6996% | 1,510 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6365% | 2,972 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8877% | 859 |
| 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 | 0.1364% | 2,600 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0051% | 2,854 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0132% | 2,340 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0168% | 2,119 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8639% | 1,098 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7200% | 2,304 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4535% | 610 |
| 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 | 0.1615% | 2,174 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1224% | 850 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7036% | 2,191 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2406% | 636 |
| 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 | 0.1813% | 1,707 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6182% | 527 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0452% | 4,178 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2330% | 911 |
| 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 | 0.0309% | 5,766 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0127% | 3,328 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0327% | 2,470 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0417% | 2,222 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3791% | 8,139 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0187% | 2,010 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6649% | 1,061 |
| 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 | -0.0284% | 8,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0171% | 2,718 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0436% | 1,941 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0557% | 1,717 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6984% | 8,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5232% | 3,331 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5234% | 1,063 |
| 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 | -0.0821% | 8,426 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0210% | 2,228 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0542% | 1,578 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0694% | 1,369 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9716% | 8,344 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0839% | 5,260 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9158% | 887 |
| 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 | -0.1694% | 8,596 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.8992% | 8,491 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5367% | 2,825 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0618% | 382 |
| 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 | 0.0415% | 6,069 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0141% | 8,341 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0044% | 8,365 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0315% | 8,547 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0414% | 8,592 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3859% | 8,373 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2872% | 1,716 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7338% | 1,279 |
| 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 | 0.0066% | 6,674 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0192% | 8,424 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0061% | 8,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0427% | 8,612 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0562% | 8,663 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4902% | 8,431 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0006% | 2,166 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6013% | 1,242 |
| 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 | 0.0678% | 4,577 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0165% | 2,436 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0094% | 8,485 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0507% | 1,662 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3958% | 146 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0611% | 8,711 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1178% | 3,000 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5495% | 3,374 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5532% | 1,162 |
| 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 | 0.0380% | 4,441 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0037% | 8,151 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0190% | 8,656 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0093% | 1,543 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0123% | 1,432 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2825% | 1,726 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1121% | 4,646 |
| Percentage Net Loans Charged-off: Credit card loans | -0.4748% | 2,642 |
| 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 | 0.2920% | 2,790 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0759% | 2,130 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1709% | 908 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0148% | 3,004 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0199% | 2,769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1878% | 1,656 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8932% | 2,694 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0621% | 925 |
| 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 | 0.1065% | 4,994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0446% | 2,483 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1106% | 1,435 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1568% | 1,110 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2711% | 3,372 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3375% | 5,056 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2863% | 1,149 |
| 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 | 0.0169% | 6,857 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0534% | 9,579 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5941% | 1,182 |
| 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 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0113% | 9,638 |
| 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 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0031% | 8,715 |
| 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 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0371% | 10,594 |
| 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 | 0.2522% | 3,436 |
| 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 | 1.0190% | 1,219 |
| 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 | 0.8925% | 2,426 |
| 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 |