Home > Covenant Bank > Net charge- offs to loans
Covenant Bank, Net charge- offs to loans
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6606% | 363 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7780% | 160 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 805 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8549% | 91 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0027% | 5,085 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 945 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 5,094 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4539% | 1,050 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0795% | 5,376 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0795% | 5,316 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5303% | 576 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3640% | 721 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3368% | 507 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7577% | 248 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0506% | 2,141 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 830 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0552% | 2,000 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5495% | 770 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2340% | 5,634 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2340% | 5,576 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3692% | 609 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5460% | 450 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5124% | 306 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 555 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1307% | 166 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0932% | 1,572 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1016% | 1,445 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8688% | 502 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1608% | 5,449 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1608% | 5,407 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1942% | 689 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3595% | 680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0138% | 1,879 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0080% | 750 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0335% | 1,584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0364% | 1,469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6039% | 245 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2559% | 1,833 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2559% | 1,710 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2000% | 5,575 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2161% | 218 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2805% | 1,114 |
| Percentage Net Loans Charged-off:Construction & development | -0.0078% | 4,968 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0189% | 5,638 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9642% | 261 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0485% | 240 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2272% | 159 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4671% | 579 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4671% | 528 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7444% | 501 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5998% | 620 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3512% | 838 |
| Percentage Net Loans Charged-off:Construction & development | -0.0105% | 5,049 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0174% | 5,638 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1945% | 178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2977% | 164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1398% | 585 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6594% | 472 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6594% | 426 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7821% | 456 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9574% | 370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7434% | 374 |
| Percentage Net Loans Charged-off:Construction & development | -0.0153% | 5,140 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0146% | 5,683 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3922% | 85 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5970% | 82 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7027% | 420 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3988% | 606 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3988% | 552 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4349% | 531 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9945% | 337 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3339% | 170 |
| Percentage Net Loans Charged-off:Construction & development | -0.0312% | 5,309 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0148% | 5,818 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.1564% | 38 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 4.5151% | 39 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0221% | 4,778 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8634% | 468 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8634% | 408 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0877% | 741 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0681% | 4,259 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0192% | 4,192 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0076% | 5,914 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0700% | 3,285 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,420 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0778% | 3,061 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0224% | 5,157 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3616% | 2,502 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3616% | 2,358 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6594% | 570 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0222% | 4,683 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0148% | 6,036 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0026% | 5,859 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0416% | 6,306 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0464% | 6,316 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0222% | 5,104 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4062% | 2,116 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4062% | 1,968 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2898% | 758 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0481% | 4,006 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0242% | 6,155 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0039% | 5,954 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0693% | 6,403 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0776% | 6,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0436% | 5,240 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6758% | 1,443 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6758% | 1,319 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6571% | 499 |
| 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 | 0.0293% | 3,618 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0443% | 6,349 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1398% | 6,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1572% | 6,604 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0657% | 5,428 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5513% | 1,549 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5513% | 1,414 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6871% | 410 |
| 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 | 0.4226% | 2,546 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5629% | 1,774 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0797% | 2,770 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4512% | 560 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6232% | 501 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0059% | 5,461 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2736% | 3,123 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2736% | 2,952 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4510% | 802 |
| 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 | 0.2616% | 3,151 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3822% | 2,258 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8036% | 409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0135% | 367 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1197% | 6,119 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0189% | 5,879 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0189% | 5,787 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3911% | 762 |
| 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 | 0.1391% | 3,807 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2905% | 2,475 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9358% | 976 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0396% | 864 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3095% | 6,439 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2009% | 6,330 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2009% | 6,259 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1827% | 874 |
| 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 | -0.0126% | 6,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0361% | 3,411 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1151% | 2,484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1263% | 2,299 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4654% | 6,573 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4654% | 6,511 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2834% | 6,283 |
| 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 | 1.5240% | 1,052 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9295% | 693 |
| Percentage Net Loans Charged-off:Construction & development | 0.0722% | 2,821 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8871% | 325 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5718% | 761 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7423% | 691 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7923% | 2,250 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3406% | 3,382 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3188% | 3,200 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3172% | 983 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3564% | 1,114 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8235% | 695 |
| Percentage Net Loans Charged-off:Construction & development | 0.0932% | 2,522 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.6372% | 197 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0957% | 3,774 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1063% | 3,557 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3098% | 2,769 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2567% | 3,421 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2362% | 3,226 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2696% | 935 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9620% | 688 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7021% | 402 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,304 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.3685% | 123 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1162% | 3,300 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1294% | 3,060 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2639% | 2,568 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4053% | 2,694 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3631% | 2,518 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1960% | 933 |
| 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 | 0.1161% | 3,839 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0610% | 3,470 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0067% | 1,878 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2009% | 2,265 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2242% | 2,041 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2417% | 1,948 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5997% | 1,915 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5095% | 1,757 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0310% | 939 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4063% | 1,588 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5317% | 1,264 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8625% | 686 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8669% | 719 |
| Percentage Net Loans Charged-off: Home equity loans | 6.1331% | 132 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3709% | 1,030 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3713% | 2,136 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6729% | 2,885 |
| 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 | 0.8656% | 848 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5639% | 1,278 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6907% | 1,040 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4428% | 445 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8122% | 664 |
| Percentage Net Loans Charged-off: Home equity loans | 8.1041% | 87 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0769% | 1,163 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7299% | 1,623 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1343% | 4,523 |
| 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 | 1.0056% | 735 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9017% | 977 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5073% | 614 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.7507% | 232 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5478% | 429 |
| Percentage Net Loans Charged-off: Home equity loans | 12.5382% | 51 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4237% | 854 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5084% | 2,640 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1554% | 4,065 |
| 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 | 1.2091% | 604 |
| 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 | 0.9660% | 1,685 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4446% | 994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.0577% | 303 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1510% | 2,434 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1677% | 2,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3724% | 7,204 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4848% | 7,327 |
| 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 | 1.5050% | 464 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8732% | 2,650 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3974% | 3,253 |
| Percentage Net Loans Charged-off:Construction & development | 0.0207% | 3,452 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4325% | 1,878 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6524% | 1,775 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7047% | 1,603 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4683% | 2,337 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7335% | 1,580 |
| 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 | 3.0203% | 561 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5483% | 3,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1406% | 3,978 |
| Percentage Net Loans Charged-off:Construction & development | -0.0658% | 7,352 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1380% | 7,798 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6706% | 1,466 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7190% | 1,318 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7523% | 2,701 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1506% | 2,188 |
| 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 | 3.8412% | 413 |
| 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 | 0.3904% | 3,246 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0410% | 7,880 |
| Percentage Net Loans Charged-off:Construction & development | -0.1238% | 7,389 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2304% | 7,885 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2389% | 2,315 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2549% | 2,132 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5969% | 2,507 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2920% | 4,115 |
| 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 | 4.8603% | 312 |
| 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 | 0.5092% | 2,190 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0170% | 7,755 |
| Percentage Net Loans Charged-off:Construction & development | -0.1246% | 7,410 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9545% | 1,454 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,232 |
| 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 | 5.4755% | 262 |
| 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 | 0.5063% | 2,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4284% | 1,864 |
| Percentage Net Loans Charged-off:Construction & development | 0.2182% | 2,374 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7018% | 689 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2933% | 1,784 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2996% | 1,660 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4439% | 2,844 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3339% | 1,685 |
| 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 | 0.7324% | 890 |
| 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 | 0.1776% | 3,522 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1368% | 2,607 |
| Percentage Net Loans Charged-off:Construction & development | 0.2409% | 1,732 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0096% | 1,680 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3285% | 1,252 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3334% | 1,151 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1020% | 3,256 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8439% | 2,213 |
| 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 | 0.2316% | 1,108 |
| 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 | 0.2153% | 2,624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1507% | 1,984 |
| Percentage Net Loans Charged-off:Construction & development | 0.1400% | 1,390 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0144% | 1,237 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4255% | 890 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4289% | 820 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2670% | 2,125 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8930% | 1,890 |
| 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 | -0.0780% | 6,972 |
| 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 | 0.0054% | 4,860 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0042% | 2,628 |
| Percentage Net Loans Charged-off:Construction & development | 0.0254% | 1,069 |
| 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 | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2213% | 7,598 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8819% | 1,699 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1941% | 2,706 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0713% | 2,508 |
| Percentage Net Loans Charged-off:Construction & development | 0.0208% | 1,466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0025% | 1,650 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2456% | 1,081 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2470% | 1,038 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1822% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0500% | 1,524 |
| 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 | 0.5866% | 806 |
| 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 | 0.2011% | 1,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0923% | 1,576 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0032% | 1,154 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3418% | 588 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3441% | 566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1742% | 2,327 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1106% | 1,211 |
| 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 | 0.4299% | 807 |
| 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 | 0.1931% | 1,764 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1107% | 1,133 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0049% | 858 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4128% | 452 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4162% | 424 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1829% | 1,885 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0113% | 1,266 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1524% | 1,002 |
| 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 | 0.5970% | 536 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8068% | 154 |
| 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 | 3.1115% | 33 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1464% | 33 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0906% | 7,322 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8806% | 1,414 |
| 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 | 0.4862% | 547 |
| 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 | 0.1894% | 2,081 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1779% | 811 |
| Percentage Net Loans Charged-off:Construction & development | 0.0329% | 662 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6297% | 236 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6353% | 247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2127% | 2,409 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4048% | 3,317 |
| 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 | -0.0116% | 6,866 |
| 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 | 0.1302% | 2,247 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1904% | 600 |
| Percentage Net Loans Charged-off:Construction & development | 0.0466% | 459 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6548% | 187 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6589% | 188 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0471% | 2,744 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0144% | 7,163 |
| 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% | 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 | 0.1467% | 1,922 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2274% | 485 |
| 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 | 0.8016% | 148 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8062% | 156 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0258% | 1,144 |
| 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 | 0.0000% | 4,399 |
| 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 | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2244% | 3,035 |
| 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 | -0.2902% | 7,326 |
| 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 | 0.1711% | 2,613 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1425% | 969 |
| 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 | 0.5284% | 274 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5327% | 303 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0841% | 7,537 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1278% | 1,588 |
| 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 | 0.2121% | 1,084 |
| 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 | 0.2153% | 1,831 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1847% | 674 |
| 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 | 0.6894% | 190 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6947% | 202 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1061% | 7,484 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4802% | 959 |
| 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 | 0.1857% | 976 |
| 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 | 0.1878% | 1,919 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2766% | 450 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0501% | 131 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0586% | 135 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2305% | 7,742 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8667% | 1,814 |
| 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 | 0.0264% | 1,104 |
| 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 | 0.1952% | 1,612 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4661% | 241 |
| 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 | 1.7676% | 75 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7839% | 78 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4745% | 8,031 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0491% | 4,163 |
| 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 | 0.0600% | 768 |
| 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 | 0.3486% | 1,639 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1704% | 1,078 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1183% | 964 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4117% | 456 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4159% | 476 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5408% | 2,031 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2610% | 1,552 |
| 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 | 0.1552% | 1,205 |
| 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 | 0.2545% | 1,911 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1628% | 945 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0228% | 1,065 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5662% | 292 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5716% | 304 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0350% | 3,385 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5277% | 1,080 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1697% | 1,014 |
| 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 | 0.2893% | 1,625 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2499% | 618 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0348% | 809 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8492% | 187 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8581% | 188 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3491% | 1,309 |
| 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 | 0.2059% | 850 |
| 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 | 0.2815% | 1,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0362% | 1,452 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0697% | 434 |
| 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 | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4856% | 645 |
| 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 | 0.2838% | 620 |
| 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 | 0.3722% | 2,021 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4063% | 503 |
| Percentage Net Loans Charged-off:Construction & development | 6.5119% | 51 |
| 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 | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3266% | 3,157 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4943% | 4,278 |
| 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 | 0.1854% | 1,372 |
| 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 | 0.1216% | 3,929 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| 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 | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2317% | 3,007 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3757% | 4,430 |
| 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 | 0.2396% | 1,126 |
| 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 | 0.1809% | 2,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3692% | 2,253 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5494% | 3,375 |
| 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 | 0.3123% | 907 |
| 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 | 0.1366% | 2,909 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3554% | 1,618 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4073% | 3,477 |
| 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 | 0.0850% | 873 |
| 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 | 0.1355% | 4,539 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0343% | 2,915 |
| 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 | 0.1139% | 1,549 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1171% | 1,493 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1941% | 3,816 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5642% | 3,997 |
| 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 | 0.0638% | 1,736 |
| 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 | 0.0678% | 5,713 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| 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 | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4564% | 4,351 |
| 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 | 0.1040% | 1,540 |
| 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 | 0.0000% | 7,622 |
| 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 |