Home > United Community Bank > Net charge- offs to loans
United Community Bank, Net charge- offs to loans
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3088% | 134 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4919% | 56 |
| Percentage Net Loans Charged-off:Construction & development | 8.0272% | 48 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0746% | 1,171 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0597% | 2,304 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0141% | 905 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0781% | 1,972 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0693% | 7,409 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1028% | 5,132 |
| 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 | 5.4232% | 216 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0388% | 4,473 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0290% | 2,470 |
| Percentage Net Loans Charged-off:Construction & development | 0.0078% | 1,057 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0873% | 743 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0161% | 2,384 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0191% | 685 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0150% | 2,230 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1801% | 7,600 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0866% | 7,490 |
| 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 | 5.4794% | 187 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0542% | 3,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0406% | 1,802 |
| Percentage Net Loans Charged-off:Construction & development | 0.0121% | 742 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1461% | 468 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0099% | 2,001 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0288% | 502 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0024% | 1,940 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2707% | 7,703 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1143% | 4,116 |
| 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 | 4.9561% | 192 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0211% | 3,696 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0084% | 1,723 |
| Percentage Net Loans Charged-off:Construction & development | 0.0247% | 388 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0025% | 7,895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0035% | 1,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0049% | 1,305 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1898% | 1,308 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0769% | 6,936 |
| 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 | 2.7384% | 237 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1304% | 2,759 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0325% | 2,348 |
| Percentage Net Loans Charged-off:Construction & development | 0.0056% | 788 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0332% | 8,035 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0785% | 1,634 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1082% | 1,298 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6067% | 1,455 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1118% | 1,292 |
| 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 | 5.6055% | 183 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1252% | 2,314 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0381% | 1,825 |
| Percentage Net Loans Charged-off:Construction & development | 0.0077% | 573 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0412% | 8,103 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0921% | 1,239 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1264% | 978 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0307% | 2,868 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3844% | 841 |
| 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 | 4.7307% | 185 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1480% | 1,911 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0582% | 1,316 |
| Percentage Net Loans Charged-off:Construction & development | 0.0122% | 410 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0595% | 8,201 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1388% | 854 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1899% | 674 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0842% | 2,137 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5287% | 753 |
| 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 | 3.5039% | 213 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2143% | 1,239 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1401% | 576 |
| Percentage Net Loans Charged-off:Construction & development | 0.0387% | 201 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0161% | 8,109 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2678% | 420 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3659% | 318 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0306% | 6,874 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5279% | 822 |
| 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 | 2.7527% | 228 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1339% | 3,098 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0631% | 1,723 |
| Percentage Net Loans Charged-off:Construction & development | 0.0730% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0385% | 8,174 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1100% | 1,346 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1527% | 1,056 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3618% | 2,235 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7520% | 2,546 |
| 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 | 4.3812% | 210 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1315% | 2,677 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0603% | 1,542 |
| Percentage Net Loans Charged-off:Construction & development | 0.0991% | 317 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0496% | 8,219 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0985% | 1,258 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1370% | 996 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3126% | 1,961 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8770% | 1,885 |
| 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 | 3.5568% | 220 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1310% | 2,473 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0523% | 1,483 |
| Percentage Net Loans Charged-off:Construction & development | 0.1488% | 213 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1201% | 8,366 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0961% | 1,127 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1344% | 914 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5055% | 1,378 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9977% | 1,568 |
| 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 | 2.3686% | 247 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1277% | 2,140 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0781% | 955 |
| Percentage Net Loans Charged-off:Construction & development | 0.2819% | 107 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2222% | 8,497 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1334% | 781 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1878% | 634 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0645% | 1,750 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0917% | 1,395 |
| 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 | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0513% | 5,248 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0377% | 2,582 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0601% | 1,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.9813% | 43 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0076% | 3,053 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0056% | 5,957 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0128% | 2,765 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0045% | 4,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3889% | 4,378 |
| 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 | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0488% | 4,740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0291% | 2,382 |
| 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 | 4.2830% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0097% | 2,537 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0134% | 2,306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0243% | 3,473 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5167% | 3,350 |
| 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 | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0600% | 4,145 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0471% | 1,811 |
| 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 | 7.4239% | 20 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0205% | 1,949 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0280% | 1,745 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0274% | 7,077 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4391% | 3,452 |
| 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 | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0162% | 4,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0093% | 1,809 |
| 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 | 1.5622% | 25 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0373% | 7,171 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2268% | 3,853 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1082% | 4,641 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0082% | 3,686 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0163% | 2,988 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0318% | 6,016 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0292% | 2,603 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9289% | 932 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8052% | 2,974 |
| 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 | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1366% | 3,712 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 2,828 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0332% | 2,198 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0416% | 2,003 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3613% | 624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9693% | 2,227 |
| 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 | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1748% | 3,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0230% | 2,293 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0429% | 1,750 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0530% | 1,603 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1159% | 471 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0566% | 1,954 |
| 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 | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2626% | 1,953 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0053% | 1,961 |
| 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 | 0.0096% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0118% | 1,435 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.7656% | 205 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1202% | 1,774 |
| 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 | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0239% | 6,807 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0002% | 8,039 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0004% | 8,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 8,251 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0852% | 8,104 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5841% | 3,903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1448% | 4,375 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0251% | 2,956 |
| 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 | 0.0457% | 2,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0477% | 492 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 2,094 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1027% | 1,663 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2468% | 1,697 |
| 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 | 0.1122% | 1,522 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0518% | 5,743 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0096% | 776 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0160% | 685 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0184% | 616 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0440% | 959 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6129% | 677 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5649% | 614 |
| 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 | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0503% | 6,060 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0205% | 697 |
| Percentage Net Loans Charged-off:Construction & development | -0.0164% | 1,350 |
| 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 | 0.0376% | 588 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0418% | 529 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0848% | 818 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3371% | 965 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4567% | 903 |
| 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 | 0.1203% | 4,709 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0444% | 504 |
| 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 | 0.0755% | 368 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9835% | 39 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2405% | 568 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3752% | 955 |
| 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 | 3.6298% | 23 |
| 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 | 0.0732% | 6,094 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0034% | 952 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0096% | 451 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0019% | 970 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0021% | 917 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0860% | 726 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5087% | 888 |
| 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 | 0.0462% | 7,096 |
| 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 | 0.0285% | 7,699 |
| 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 | 0.0230% | 7,935 |
| 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 | 0.0299% | 8,879 |
| 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 | 0.0166% | 10,733 |
| 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 |