Home > Community Bank & Trust > Net charge- offs to loans
Community Bank & Trust, Net charge- offs to loans
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.3621% | 344 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1481% | 355 |
| Percentage Net Loans Charged-off:Construction & development | 7.2560% | 864 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8160% | 369 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0954% | 415 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3376% | 329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1071% | 1,740 |
| All other 1-4 family - Percent of loans charged-off, net | 3.5571% | 335 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.1366% | 357 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2484% | 1,164 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.6836% | 167 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.4962% | 160 |
| Percentage Net Loans Charged-off:Construction & development | 10.6738% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.0234% | 182 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.8030% | 263 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5080% | 274 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1452% | 1,421 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7303% | 274 |
| Percentage Net Loans Charged-off: Commercial and industrial | 10.0794% | 221 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2534% | 1,101 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8536% | 1,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7943% | 1,611 |
| Percentage Net Loans Charged-off:Construction & development | 0.7197% | 1,951 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4551% | 1,097 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2539% | 813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3325% | 752 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6575% | 1,489 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6076% | 3,203 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3865% | 2,553 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4413% | 1,731 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1564% | 1,009 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0873% | 701 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1506% | 639 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0820% | 2,584 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0295% | 4,209 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5773% | 726 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4094% | 645 |
| Percentage Net Loans Charged-off:Construction & development | 2.1327% | 1,049 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0099% | 524 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5287% | 390 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0268% | 1,354 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6424% | 349 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9245% | 705 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1534% | 918 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4746% | 1,773 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3432% | 1,535 |
| Percentage Net Loans Charged-off:Construction & development | 0.2823% | 1,669 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2191% | 914 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5782% | 800 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0342% | 1,054 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6227% | 694 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2360% | 1,136 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2442% | 1,491 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3112% | 2,078 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2272% | 1,586 |
| Percentage Net Loans Charged-off:Construction & development | 0.2213% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0656% | 1,031 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4640% | 817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2791% | 585 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4812% | 758 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7116% | 1,343 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9119% | 1,862 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1846% | 2,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2045% | 1,230 |
| Percentage Net Loans Charged-off:Construction & development | 0.4935% | 642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1076% | 580 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1777% | 1,113 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1951% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1319% | 1,775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0132% | 3,966 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4863% | 1,132 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3367% | 860 |
| Percentage Net Loans Charged-off:Construction & development | 0.1995% | 1,002 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4256% | 516 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3084% | 868 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3309% | 433 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3062% | 861 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6219% | 775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9367% | 1,723 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2558% | 1,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0836% | 1,659 |
| Percentage Net Loans Charged-off:Construction & development | -0.0009% | 7,564 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0674% | 821 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1179% | 1,295 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2679% | 349 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1037% | 1,297 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7394% | 593 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4976% | 2,694 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2855% | 1,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0755% | 1,409 |
| Percentage Net Loans Charged-off:Construction & development | -0.0014% | 7,569 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0835% | 576 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1346% | 1,013 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4354% | 218 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1071% | 1,068 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0943% | 462 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5156% | 2,333 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2150% | 1,318 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0743% | 1,029 |
| Percentage Net Loans Charged-off:Construction & development | -0.0028% | 7,589 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0582% | 389 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1715% | 694 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9559% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1033% | 816 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2988% | 506 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4896% | 2,163 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2139% | 1,885 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1260% | 1,102 |
| Percentage Net Loans Charged-off:Construction & development | 0.0607% | 580 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0207% | 1,137 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0915% | 156 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3532% | 472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0925% | 481 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3749% | 444 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0405% | 3,366 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3507% | 1,004 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9593% | 173 |
| 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 | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1784% | 1,774 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1148% | 963 |
| Percentage Net Loans Charged-off:Construction & development | 0.0900% | 374 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0286% | 826 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1263% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2811% | 493 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1281% | 326 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2936% | 482 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2420% | 7,796 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3409% | 884 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3299% | 485 |
| 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 | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1544% | 1,850 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1262% | 833 |
| Percentage Net Loans Charged-off:Construction & development | 0.1367% | 241 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0442% | 626 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1932% | 69 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2592% | 517 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2798% | 473 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5334% | 8,007 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3038% | 933 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1301% | 512 |
| 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 | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3545% | 796 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1366% | 588 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0116% | 455 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3887% | 28 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4189% | 284 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4518% | 260 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1561% | 539 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5180% | 829 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3716% | 236 |
| 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 | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2791% | 1,702 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1316% | 1,036 |
| Percentage Net Loans Charged-off:Construction & development | 0.0910% | 413 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0371% | 1,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3201% | 515 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3384% | 487 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9376% | 1,204 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9536% | 1,958 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4693% | 313 |
| 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 | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2348% | 1,679 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0784% | 1,320 |
| Percentage Net Loans Charged-off:Construction & development | 0.1277% | 283 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0178% | 8,085 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2141% | 666 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2252% | 668 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9634% | 1,004 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9357% | 1,739 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3316% | 234 |
| 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 | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1903% | 1,903 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0852% | 1,143 |
| Percentage Net Loans Charged-off:Construction & development | 0.1662% | 201 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0292% | 8,191 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2381% | 590 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2499% | 587 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4537% | 1,457 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9174% | 1,723 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| 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 | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1986% | 1,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1074% | 798 |
| Percentage Net Loans Charged-off:Construction & development | 0.3535% | 96 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0583% | 8,370 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2700% | 483 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2816% | 474 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2370% | 1,368 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0122% | 1,489 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| 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 | 0.2700% | 2,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1242% | 1,380 |
| Percentage Net Loans Charged-off:Construction & development | 0.2208% | 355 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0073% | 1,487 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3050% | 637 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3187% | 628 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5908% | 1,944 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2285% | 1,606 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0881% | 1,309 |
| 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 | 0.2326% | 2,073 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0884% | 1,457 |
| Percentage Net Loans Charged-off:Construction & development | -0.0025% | 7,820 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0026% | 8,172 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3094% | 562 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3233% | 547 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6070% | 1,583 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0970% | 1,662 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4872% | 1,076 |
| 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 | 0.2499% | 1,844 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1294% | 1,083 |
| Percentage Net Loans Charged-off:Construction & development | -0.0041% | 7,809 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0030% | 8,259 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4491% | 367 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4704% | 369 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6082% | 1,452 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9092% | 2,059 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4733% | 761 |
| 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 | 0.1486% | 2,359 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0279% | 8,382 |
| Percentage Net Loans Charged-off:Construction & development | -0.0094% | 7,810 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0083% | 8,415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0237% | 8,335 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0249% | 8,352 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6783% | 1,042 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0718% | 1,689 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| 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 | 0.7530% | 870 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2724% | 817 |
| Percentage Net Loans Charged-off:Construction & development | 0.3926% | 356 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1066% | 1,068 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5332% | 413 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5599% | 424 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0255% | 422 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1843% | 1,907 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1034% | 1,143 |
| 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 | 0.4006% | 1,619 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2753% | 697 |
| Percentage Net Loans Charged-off:Construction & development | 0.0964% | 477 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1334% | 801 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5912% | 298 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6194% | 316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5947% | 2,011 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1423% | 1,852 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5123% | 1,275 |
| 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 | 0.5411% | 1,140 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3930% | 449 |
| Percentage Net Loans Charged-off:Construction & development | 0.1508% | 354 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1957% | 565 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8335% | 194 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8698% | 195 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5223% | 1,906 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6356% | 1,119 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2804% | 941 |
| 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 | 0.5929% | 932 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3476% | 449 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1139% | 437 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8402% | 195 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8707% | 187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5811% | 1,343 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3744% | 716 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3692% | 836 |
| 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 | 0.4290% | 1,937 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2136% | 1,009 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1533% | 946 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3897% | 572 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3984% | 573 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8429% | 2,119 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4556% | 1,437 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1301% | 1,223 |
| 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 | 0.5154% | 1,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0830% | 1,875 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0711% | 1,041 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1360% | 1,254 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1396% | 1,198 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5678% | 1,240 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9978% | 811 |
| Percentage Net Loans Charged-off: Credit card loans | 27.8143% | 44 |
| 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 | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2834% | 2,363 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 977 |
| 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 | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 864 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1117% | 825 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9574% | 182 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3932% | 918 |
| 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 | 0.2091% | 3,112 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,015 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7465% | 271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6875% | 645 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6460% | 409 |
| 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 | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1523% | 4,159 |
| 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 | 0.3007% | 2,754 |
| 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 | 0.1368% | 5,049 |
| 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 | 0.4371% | 1,969 |
| 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 | 0.2162% | 3,830 |
| 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 | 0.3565% | 3,661 |
| 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 | 0.8367% | 2,611 |
| 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 |