Home > Home Town Bank of Villa Rica > Net charge- offs to loans
Home Town Bank of Villa Rica, Net charge- offs to loans
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0252% | 7,711 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| 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 | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2609% | 7,674 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7625% | 8,072 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| 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 | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.0857% | 45 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.4023% | 29 |
| Percentage Net Loans Charged-off:Construction & development | 5.0333% | 148 |
| Percentage Net Loans Charged-off: Commercial real estate | 12.1802% | 10 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8577% | 368 |
| Percentage Net Loans Charged-off: Home equity loans | 2.9186% | 106 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5832% | 488 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3836% | 1,305 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7522% | 331 |
| 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 | 164.7059% | 11 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.7079% | 33 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.4655% | 16 |
| Percentage Net Loans Charged-off:Construction & development | 3.9819% | 115 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.4729% | 41 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7669% | 94 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.9927% | 14 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0992% | 165 |
| All other 1-4 family - Percent of loans charged-off, net | 7.7484% | 10 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.1751% | 106 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.5696% | 110 |
| 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 | 27.1493% | 71 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9100% | 159 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7761% | 72 |
| Percentage Net Loans Charged-off:Construction & development | 0.2508% | 554 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.8830% | 26 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3206% | 117 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9850% | 64 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2094% | 401 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2089% | 64 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5881% | 397 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.8852% | 87 |
| 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 | 12.7255% | 109 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2681% | 227 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1649% | 99 |
| Percentage Net Loans Charged-off:Construction & development | 0.3387% | 331 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.5843% | 38 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4728% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0290% | 169 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1567% | 158 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5387% | 597 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9594% | 112 |
| 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 | 6.0300% | 170 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5976% | 535 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6021% | 201 |
| Percentage Net Loans Charged-off:Construction & development | 0.6455% | 138 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0185% | 469 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9279% | 39 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0183% | 156 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1395% | 141 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3085% | 1,119 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2627% | 992 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2590% | 216 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1482% | 74 |
| Percentage Net Loans Charged-off:Construction & development | 0.8673% | 149 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3284% | 8,318 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.1968% | 20 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1215% | 416 |
| All other 1-4 family - Percent of loans charged-off, net | 4.7225% | 19 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7137% | 349 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8091% | 654 |
| 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 | 0.1793% | 1,763 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0915% | 1,143 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4023% | 292 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0189% | 2,074 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1605% | 290 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3780% | 594 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3765% | 3,077 |
| 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 | 0.0804% | 2,795 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 2,410 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0191% | 8,082 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0289% | 1,616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2403% | 192 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0754% | 725 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4691% | 2,466 |
| 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 | -0.0079% | 6,777 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0086% | 7,843 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0377% | 8,199 |
| 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 | 0.0000% | 3,843 |
| 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 | 2.1658% | 102 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1186% | 24 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 7.9943% | 10 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1914% | 878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2155% | 813 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7940% | 390 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2090% | 557 |
| 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 | 2.9035% | 63 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.9136% | 16 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 10.5772% | 7 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3118% | 465 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3504% | 428 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5703% | 270 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0961% | 1,460 |
| 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 | 1.3327% | 215 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0158% | 83 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.4955% | 31 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2246% | 628 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2526% | 580 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.6367% | 171 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5180% | 946 |
| 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 | 0.0772% | 2,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0455% | 1,194 |
| 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 | 0.2194% | 573 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2471% | 535 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0365% | 7,064 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2288% | 1,223 |
| 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 | 0.1186% | 3,891 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0817% | 1,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0176% | 669 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0332% | 8,373 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4112% | 457 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4473% | 436 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0252% | 7,345 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3433% | 1,420 |
| 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 | 0.1388% | 3,062 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0908% | 1,429 |
| 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 | 0.4369% | 394 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4709% | 375 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0219% | 7,105 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6462% | 960 |
| 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 | 0.2048% | 2,222 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1385% | 1,028 |
| 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 | 0.6766% | 234 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7220% | 227 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0347% | 7,155 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2668% | 616 |
| 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 | 0.0752% | 3,224 |
| 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 | -0.0347% | 7,141 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9912% | 854 |
| 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 | 0.4751% | 1,544 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2516% | 900 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5510% | 445 |
| 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 | 1.4669% | 1,236 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5032% | 1,359 |
| 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 | 0.3591% | 1,811 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3563% | 512 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7301% | 288 |
| 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 | 0.0980% | 3,574 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0207% | 2,117 |
| 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 | 0.4877% | 1,273 |
| 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 | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.0935% | 77 |
| 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 | 0.9286% | 539 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2228% | 105 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9465% | 100 |
| 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 | -0.4887% | 8,383 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2574% | 1,575 |
| 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 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0886% | 5,365 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0853% | 1,985 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1396% | 973 |
| 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 | 0.0172% | 4,792 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3184% | 5,311 |
| 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 | NA | NA |
| 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 | 0.1463% | 4,349 |
| 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 | 0.0816% | 4,275 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0866% | 2,014 |
| 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 | 0.1356% | 3,992 |
| 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 | 0.1328% | 4,191 |
| 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 | 0.0924% | 5,304 |
| 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 | 0.0000% | 8,512 |
| 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 |