Home > Highlands Independent Bank > Net charge- offs to loans
Highlands Independent Bank, Net charge- offs to loans
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1641% | 6,266 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3644% | 6,400 |
| Percentage Net Loans Charged-off:Construction & development | -10.7860% | 5,999 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0153% | 5,615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3847% | 140 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9023% | 104 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2479% | 177 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9397% | 677 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3312% | 313 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.3312% | 278 |
| 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 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2942% | 6,423 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.5074% | 6,492 |
| Percentage Net Loans Charged-off:Construction & development | -15.9946% | 6,026 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0115% | 5,625 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1907% | 98 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2256% | 93 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1814% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3300% | 522 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9960% | 879 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9960% | 808 |
| 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 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -1.4879% | 6,654 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.7152% | 6,619 |
| Percentage Net Loans Charged-off:Construction & development | -30.4175% | 6,055 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0114% | 5,769 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.8104% | 67 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9241% | 100 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0511% | 70 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1010% | 5,398 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3650% | 1,734 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3650% | 1,616 |
| 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 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1964% | 151 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2998% | 106 |
| Percentage Net Loans Charged-off:Construction & development | 5.0018% | 256 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3193% | 437 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.9702% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2755% | 129 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8543% | 112 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1150% | 154 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0883% | 948 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4575% | 369 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.4575% | 335 |
| 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 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5160% | 120 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5991% | 88 |
| Percentage Net Loans Charged-off:Construction & development | 4.9844% | 259 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6924% | 321 |
| Percentage Net Loans Charged-off: Multi-family residential | 11.7168% | 34 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4264% | 122 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6285% | 96 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0936% | 166 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4424% | 699 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1028% | 264 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.1028% | 246 |
| 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 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7822% | 119 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8718% | 98 |
| Percentage Net Loans Charged-off:Construction & development | 7.0609% | 185 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7158% | 694 |
| Percentage Net Loans Charged-off: Multi-family residential | 20.9366% | 15 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4723% | 155 |
| Percentage Net Loans Charged-off: Home equity loans | 4.2117% | 84 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9864% | 225 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3392% | 724 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.1025% | 190 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.1025% | 178 |
| 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 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0414% | 227 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0030% | 212 |
| Percentage Net Loans Charged-off:Construction & development | 6.1705% | 189 |
| 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 | 3.1179% | 122 |
| Percentage Net Loans Charged-off: Home equity loans | 6.2641% | 57 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2379% | 204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1573% | 1,336 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.3626% | 105 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 7.3626% | 98 |
| 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 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.1041% | 63 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2000% | 57 |
| Percentage Net Loans Charged-off:Construction & development | 14.7761% | 138 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7613% | 471 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.1055% | 158 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.8640% | 100 |
| Percentage Net Loans Charged-off: Home equity loans | 6.0440% | 88 |
| All other 1-4 family - Percent of loans charged-off, net | 3.2110% | 161 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.5858% | 303 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9730% | 1,425 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9730% | 1,307 |
| 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 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.8090% | 45 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.0263% | 43 |
| Percentage Net Loans Charged-off:Construction & development | 17.4143% | 128 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2840% | 292 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.2911% | 173 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.6184% | 81 |
| Percentage Net Loans Charged-off: Home equity loans | 7.1460% | 71 |
| All other 1-4 family - Percent of loans charged-off, net | 3.8540% | 135 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.5640% | 322 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8186% | 1,514 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8186% | 1,384 |
| 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 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.1059% | 185 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.5688% | 121 |
| Percentage Net Loans Charged-off:Construction & development | 0.7336% | 1,390 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.3136% | 189 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.5866% | 64 |
| Percentage Net Loans Charged-off: Home equity loans | 9.7019% | 48 |
| All other 1-4 family - Percent of loans charged-off, net | 4.3209% | 130 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,854 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6954% | 1,642 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6954% | 1,514 |
| 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 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2058% | 403 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5375% | 293 |
| Percentage Net Loans Charged-off:Construction & development | 1.4450% | 839 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7085% | 818 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.9366% | 99 |
| Percentage Net Loans Charged-off: Home equity loans | 5.7744% | 92 |
| All other 1-4 family - Percent of loans charged-off, net | 4.6760% | 118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0746% | 1,827 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4928% | 1,838 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4928% | 1,674 |
| 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 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2144% | 579 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4043% | 481 |
| Percentage Net Loans Charged-off:Construction & development | 6.0982% | 807 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1929% | 2,750 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5749% | 217 |
| Percentage Net Loans Charged-off: Home equity loans | 3.7401% | 219 |
| All other 1-4 family - Percent of loans charged-off, net | 3.5252% | 253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7860% | 2,260 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8999% | 837 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8493% | 740 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.0000% | 267 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5617% | 421 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8310% | 331 |
| Percentage Net Loans Charged-off:Construction & development | 7.8027% | 563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3057% | 2,057 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9596% | 180 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7798% | 300 |
| All other 1-4 family - Percent of loans charged-off, net | 4.3118% | 173 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7355% | 2,069 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6098% | 957 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5563% | 830 |
| Percentage Net Loans Charged-off: All other loans and lease | 8.5312% | 150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8726% | 375 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1752% | 305 |
| Percentage Net Loans Charged-off:Construction & development | 9.8782% | 426 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4340% | 1,592 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.0122% | 211 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9211% | 441 |
| All other 1-4 family - Percent of loans charged-off, net | 4.6308% | 183 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7192% | 1,862 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1012% | 709 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0086% | 591 |
| Percentage Net Loans Charged-off: All other loans and lease | 14.4006% | 106 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.7531% | 259 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1781% | 195 |
| Percentage Net Loans Charged-off:Construction & development | 12.2532% | 273 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3765% | 1,226 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.6805% | 113 |
| Percentage Net Loans Charged-off: Home equity loans | 9.3431% | 78 |
| All other 1-4 family - Percent of loans charged-off, net | 4.6142% | 170 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4702% | 1,021 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8472% | 1,540 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7932% | 1,286 |
| Percentage Net Loans Charged-off: All other loans and lease | 22.4000% | 77 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9682% | 560 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2743% | 428 |
| Percentage Net Loans Charged-off:Construction & development | 5.0119% | 1,239 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9373% | 664 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.7380% | 354 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9495% | 215 |
| Percentage Net Loans Charged-off: Home equity loans | 6.3497% | 125 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1835% | 373 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9674% | 2,583 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6882% | 2,840 |
| 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 | 200.0000% | 18 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9741% | 524 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2413% | 417 |
| Percentage Net Loans Charged-off:Construction & development | 4.4138% | 1,241 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6437% | 727 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.3940% | 339 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.3212% | 178 |
| Percentage Net Loans Charged-off: Home equity loans | 6.7508% | 120 |
| All other 1-4 family - Percent of loans charged-off, net | 3.5305% | 285 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3062% | 1,935 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2408% | 4,059 |
| 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 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9818% | 533 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3051% | 426 |
| Percentage Net Loans Charged-off:Construction & development | 2.4769% | 1,491 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8104% | 595 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5207% | 403 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.4116% | 132 |
| Percentage Net Loans Charged-off: Home equity loans | 7.8157% | 99 |
| All other 1-4 family - Percent of loans charged-off, net | 4.6192% | 192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5443% | 2,581 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2233% | 3,804 |
| 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 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2473% | 1,364 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3753% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 1.0454% | 1,469 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3210% | 1,274 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2480% | 288 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5239% | 435 |
| Percentage Net Loans Charged-off: Home equity loans | 4.7748% | 170 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7803% | 620 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8634% | 1,648 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2657% | 7,045 |
| 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 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.9716% | 268 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.9517% | 254 |
| Percentage Net Loans Charged-off:Construction & development | 11.7130% | 493 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4502% | 448 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.6679% | 213 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3284% | 332 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7221% | 368 |
| All other 1-4 family - Percent of loans charged-off, net | 3.5253% | 339 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.0111% | 460 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0938% | 5,648 |
| 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 | 13.8365% | 197 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9256% | 2,115 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7152% | 1,964 |
| Percentage Net Loans Charged-off:Construction & development | 0.0652% | 2,991 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5045% | 1,344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4085% | 788 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5385% | 340 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0422% | 996 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8187% | 1,142 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0546% | 7,315 |
| 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 | 3.3535% | 440 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9204% | 1,872 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7303% | 1,713 |
| Percentage Net Loans Charged-off:Construction & development | 0.0138% | 2,643 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7587% | 816 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3015% | 786 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5100% | 455 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2339% | 794 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5672% | 1,072 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0200% | 5,129 |
| 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 | 3.7736% | 359 |
| 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 | 0.0037% | 5,673 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| 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 | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0784% | 4,100 |
| 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 | 1.0809% | 1,127 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0566% | 877 |
| Percentage Net Loans Charged-off:Construction & development | 1.0744% | 1,528 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4917% | 875 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1187% | 479 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6931% | 333 |
| Percentage Net Loans Charged-off: Home equity loans | 4.3479% | 122 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8201% | 732 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0707% | 1,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3120% | 1,711 |
| 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 | 5.6634% | 296 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4022% | 2,033 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3442% | 1,531 |
| Percentage Net Loans Charged-off:Construction & development | 0.1912% | 1,807 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1060% | 7,989 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8606% | 547 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8670% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2012% | 1,585 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6878% | 1,702 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6489% | 2,748 |
| 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 | 0.8112% | 717 |
| 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 | 0.2527% | 2,395 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1386% | 2,067 |
| Percentage Net Loans Charged-off:Construction & development | 0.2263% | 1,274 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1305% | 8,051 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2929% | 1,157 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2912% | 578 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2934% | 1,065 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0166% | 1,051 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2677% | 3,742 |
| 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 | 0.0529% | 3,713 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0377% | 2,238 |
| Percentage Net Loans Charged-off:Construction & development | 0.0392% | 1,044 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2650% | 8,135 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2512% | 947 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6105% | 283 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1347% | 1,149 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2443% | 1,545 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1785% | 7,353 |
| 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 | 0.3102% | 1,775 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1409% | 1,740 |
| Percentage Net Loans Charged-off:Construction & development | 0.1656% | 1,059 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1372% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1541% | 1,486 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1966% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1399% | 1,518 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5736% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1443% | 4,904 |
| 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 | 0.3038% | 1,313 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0558% | 1,996 |
| Percentage Net Loans Charged-off:Construction & development | 0.0911% | 769 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0922% | 727 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0124% | 2,465 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0166% | 2,202 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1814% | 477 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1560% | 4,354 |
| 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 | 0.0455% | 3,754 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0402% | 1,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1385% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0186% | 1,880 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0249% | 1,664 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2318% | 3,501 |
| 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 | -0.0055% | 6,743 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1059% | 7,058 |
| 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 | 0.0052% | 6,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| 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 | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0035% | 6,822 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1145% | 5,006 |
| 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 | -0.0013% | 7,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| 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 | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0045% | 6,660 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0129% | 7,159 |
| 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 | 0.0000% | 5,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0063% | 6,606 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0197% | 4,691 |
| 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 | -0.0019% | 6,467 |
| 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 | -0.0414% | 6,807 |
| 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 | 0.0241% | 5,540 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| 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 | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0141% | 3,975 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3922% | 4,068 |
| 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 | 0.0077% | 5,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| 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 | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0229% | 3,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0425% | 5,562 |
| 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 | 0.0133% | 5,050 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0420% | 2,660 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0640% | 4,939 |
| 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 | 0.0100% | 4,340 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0572% | 1,779 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0425% | 7,079 |
| 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 | 0.0298% | 5,803 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0495% | 3,930 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2951% | 4,867 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0350% | 5,104 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0919% | 3,056 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2536% | 4,665 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0387% | 4,664 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1284% | 2,456 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2104% | 4,562 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0064% | 4,919 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0172% | 2,098 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0412% | 4,614 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0224% | 6,610 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0705% | 4,298 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1034% | 6,436 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0096% | 6,568 |
| 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 | -0.0077% | 7,411 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1114% | 5,933 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0022% | 6,476 |
| 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 | 0.0000% | 100 |
| 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 | -0.0121% | 7,364 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0427% | 5,890 |
| 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 | 0.0000% | 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 | -0.0045% | 7,405 |
| 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 | 0.0000% | 56 |
| 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 | -0.0248% | 7,381 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0208% | 6,905 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| 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 | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0159% | 4,804 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1610% | 6,231 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0165% | 7,120 |
| 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 | -0.0401% | 8,188 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1691% | 6,180 |
| 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% | 1,876 |
| 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 | 0.0139% | 6,972 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2827% | 2,422 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0399% | 6,670 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0763% | 6,022 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0929% | 5,926 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1315% | 4,970 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0088% | 8,553 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0049% | 9,772 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2728% | 6,308 |
| 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 |