Home > Guaranty Bank > Net charge- offs to loans
Guaranty Bank, Net charge- offs to loans
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4327% | 726 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1414% | 426 |
| Percentage Net Loans Charged-off:Construction & development | 6.2768% | 695 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0613% | 500 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9471% | 1,016 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6626% | 288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8627% | 1,033 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8078% | 2,222 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2874% | 4,128 |
| 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 | 0.9407% | 1,410 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2956% | 849 |
| Percentage Net Loans Charged-off:Construction & development | 2.2404% | 907 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0088% | 303 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7375% | 956 |
| Percentage Net Loans Charged-off: Home equity loans | 3.8539% | 170 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6056% | 1,028 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1150% | 2,485 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2471% | 3,586 |
| 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 | 1.6800% | 660 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8107% | 470 |
| Percentage Net Loans Charged-off:Construction & development | 3.1713% | 792 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0069% | 542 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4787% | 1,245 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3382% | 230 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4205% | 1,306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3858% | 1,463 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0961% | 5,505 |
| 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 | 1.5765% | 496 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5883% | 369 |
| Percentage Net Loans Charged-off:Construction & development | 2.7369% | 568 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5105% | 892 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7464% | 229 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4735% | 891 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5823% | 936 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0476% | 5,271 |
| 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 | 0.4154% | 1,619 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5632% | 836 |
| Percentage Net Loans Charged-off:Construction & development | 0.8484% | 826 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3773% | 969 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7896% | 189 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3380% | 966 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0504% | 2,895 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0063% | 4,889 |
| 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 | 0.0931% | 3,115 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0966% | 1,721 |
| Percentage Net Loans Charged-off:Construction & development | 0.0018% | 1,118 |
| 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 | 0.2834% | 876 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5676% | 159 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2498% | 868 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0870% | 1,900 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0319% | 6,919 |
| 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 | -0.0274% | 7,971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1084% | 2,017 |
| Percentage Net Loans Charged-off:Construction & development | 0.1305% | 1,134 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1188% | 1,729 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2751% | 476 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1147% | 1,669 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3852% | 7,865 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2687% | 8,009 |
| 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 | -0.1078% | 8,205 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0461% | 2,154 |
| Percentage Net Loans Charged-off:Construction & development | 0.0164% | 1,015 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0986% | 1,425 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0468% | 634 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0999% | 1,324 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5260% | 7,898 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3809% | 8,022 |
| 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 | -0.1757% | 8,279 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0474% | 1,706 |
| Percentage Net Loans Charged-off:Construction & development | 0.0042% | 761 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1120% | 1,125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0627% | 456 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1133% | 1,034 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7922% | 7,969 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8060% | 8,204 |
| 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 | -0.3238% | 8,381 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0382% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0086% | 430 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0809% | 977 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0448% | 5,987 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0840% | 885 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3391% | 8,066 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.5749% | 8,323 |
| 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 | 0.0973% | 3,298 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0160% | 8,001 |
| Percentage Net Loans Charged-off:Construction & development | -0.0517% | 7,768 |
| 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 | 0.0112% | 2,645 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0123% | 6,004 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0118% | 2,456 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4399% | 1,741 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3718% | 980 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1597% | 1,939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0040% | 2,735 |
| Percentage Net Loans Charged-off:Construction & development | 0.0002% | 619 |
| 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 | 0.0081% | 2,272 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0144% | 6,001 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0087% | 2,098 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6400% | 1,105 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8624% | 543 |
| 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 | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0769% | 2,858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0034% | 2,338 |
| Percentage Net Loans Charged-off:Construction & development | 0.0003% | 465 |
| 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 | 0.0066% | 1,918 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0023% | 5,933 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0068% | 1,798 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2691% | 1,540 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7433% | 311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2718% | 1,006 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0027% | 7,622 |
| 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 | -0.0053% | 7,863 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0410% | 5,985 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0045% | 7,853 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0921% | 558 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3851% | 140 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1810% | 2,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 3,413 |
| Percentage Net Loans Charged-off:Construction & development | -0.0607% | 7,824 |
| 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 | 0.0412% | 2,159 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0416% | 548 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0412% | 2,059 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8347% | 1,339 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1427% | 1,561 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1957% | 1,994 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0018% | 7,530 |
| Percentage Net Loans Charged-off:Construction & development | -0.0821% | 7,833 |
| 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 | 0.0441% | 1,818 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0820% | 375 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0430% | 1,740 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9318% | 1,033 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1487% | 1,378 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| 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 | 0.3069% | 1,257 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0275% | 1,843 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0478% | 1,521 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0898% | 301 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0466% | 1,452 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3825% | 722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7038% | 2,189 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2090% | 1,536 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0358% | 1,291 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0618% | 1,069 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0030% | 5,891 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0637% | 994 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8614% | 770 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4532% | 1,021 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0642% | 4,935 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1366% | 1,296 |
| Percentage Net Loans Charged-off:Construction & development | 0.0846% | 520 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1442% | 222 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0155% | 71 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0637% | 1,998 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0483% | 509 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0641% | 1,927 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2543% | 8,015 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5603% | 3,540 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| 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 | 0.0887% | 3,841 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1731% | 897 |
| Percentage Net Loans Charged-off:Construction & development | 0.1098% | 398 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5899% | 131 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5599% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0694% | 1,651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0721% | 376 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0693% | 1,590 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2832% | 7,999 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4554% | 3,614 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| 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 | 0.1250% | 3,034 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2391% | 644 |
| Percentage Net Loans Charged-off:Construction & development | 0.1601% | 283 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4735% | 85 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.7715% | 38 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0651% | 1,485 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0053% | 5,911 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0664% | 1,391 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3886% | 8,078 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6047% | 2,858 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| 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 | -0.0884% | 8,321 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0168% | 1,692 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0309% | 1,332 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0060% | 5,891 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0315% | 1,247 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5890% | 8,210 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6826% | 2,455 |
| 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 | 0.6059% | 1,178 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1534% | 1,386 |
| Percentage Net Loans Charged-off:Construction & development | 0.2330% | 448 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9200% | 300 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0346% | 2,616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0022% | 633 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0350% | 2,502 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5754% | 695 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7384% | 3,212 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| 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 | 0.5702% | 1,111 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1350% | 1,261 |
| Percentage Net Loans Charged-off:Construction & development | 0.2626% | 342 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 8,347 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0345% | 2,182 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0065% | 500 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0347% | 2,097 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4339% | 602 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9383% | 2,314 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| 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 | 0.8442% | 677 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1886% | 912 |
| Percentage Net Loans Charged-off:Construction & development | 0.3859% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0006% | 8,365 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0296% | 1,890 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0157% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0297% | 1,818 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6694% | 392 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8972% | 2,305 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| 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 | 0.7817% | 665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0102% | 1,873 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0011% | 8,514 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0214% | 1,441 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0423% | 245 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0212% | 1,361 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0924% | 309 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0785% | 1,850 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 | 0.3718% | 2,260 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0903% | 1,929 |
| Percentage Net Loans Charged-off:Construction & development | -0.0153% | 8,053 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6091% | 188 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0077% | 3,204 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4827% | 165 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0023% | 3,192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5847% | 1,315 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5587% | 4,024 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,947 |
| 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 | 0.3051% | 2,653 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 3,753 |
| Percentage Net Loans Charged-off:Construction & development | 0.0915% | 594 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0074% | 8,755 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0082% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0982% | 9,184 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0470% | 5,989 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0988% | 9,174 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7469% | 1,127 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8126% | 2,839 |
| 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 | 0.0000% | 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 | 0.0701% | 5,275 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0454% | 1,484 |
| 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 | 0.4797% | 32 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1326% | 1,527 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1110% | 205 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1358% | 1,520 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2857% | 609 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3667% | 291 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| 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 | 0.3353% | 2,089 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4019% | 53 |
| 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 | 0.7618% | 28 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7699% | 28 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2029% | 1,150 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0978% | 5,178 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1039% | 276 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1589% | 183 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1602% | 171 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1940% | 1,136 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0319% | 7,308 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0313% | 640 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0443% | 571 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0445% | 539 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0733% | 1,264 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0445% | 7,161 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0544% | 588 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0833% | 425 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0833% | 399 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5465% | 1,538 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5093% | 768 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0684% | 6,447 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0164% | 872 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0135% | 577 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0225% | 746 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0137% | 814 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9478% | 396 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5275% | 223 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| 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 | 0.0526% | 6,948 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0045% | 1,032 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0063% | 948 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0063% | 904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6166% | 523 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4197% | 171 |
| 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 | 0.0249% | 9,045 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0063% | 1,155 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0047% | 824 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0082% | 1,010 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0082% | 963 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2052% | 1,083 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7993% | 325 |
| 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 | 0.0371% | 10,203 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0159% | 1,224 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0225% | 965 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0225% | 913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1880% | 1,253 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3115% | 998 |
| 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 |