Home > Great Lakes Bank > Net charge- offs to loans
Great Lakes Bank, Net charge- offs to loans
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3752% | 1,065 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4339% | 676 |
| Percentage Net Loans Charged-off:Construction & development | -1.7423% | 5,852 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0791% | 1,389 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1218% | 192 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3429% | 170 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0256% | 259 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,374 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,617 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,473 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2123% | 789 |
| 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 | 0.2735% | 1,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3157% | 965 |
| Percentage Net Loans Charged-off:Construction & development | -1.8231% | 5,887 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1076% | 1,124 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7794% | 411 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5320% | 128 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4383% | 761 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0065% | 4,534 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,292 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,146 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2632% | 652 |
| 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 | 0.2816% | 1,220 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3235% | 851 |
| Percentage Net Loans Charged-off:Construction & development | -1.9192% | 5,930 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9220% | 339 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4638% | 77 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2031% | 1,113 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0145% | 4,665 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,715 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,584 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| 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 | 0.2079% | 2,792 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2405% | 2,069 |
| Percentage Net Loans Charged-off:Construction & development | -1.9177% | 6,074 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0909% | 2,118 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5797% | 972 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0036% | 382 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3289% | 1,543 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0266% | 5,201 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6013% | 1,805 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6013% | 1,687 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1576% | 5,868 |
| 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 | 0.2826% | 2,129 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3275% | 1,593 |
| Percentage Net Loans Charged-off:Construction & development | -1.9018% | 6,121 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1082% | 1,787 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7597% | 698 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4159% | 282 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3525% | 1,395 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0264% | 5,137 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3907% | 2,180 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3907% | 2,037 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2339% | 5,973 |
| 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 | 0.3689% | 1,730 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4282% | 1,253 |
| Percentage Net Loans Charged-off:Construction & development | -1.8749% | 6,153 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1616% | 1,420 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9301% | 570 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6428% | 253 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4689% | 1,115 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0259% | 5,074 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3820% | 2,057 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3820% | 1,928 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.7931% | 6,092 |
| 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 | 0.3601% | 1,557 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4190% | 1,178 |
| Percentage Net Loans Charged-off:Construction & development | -1.8336% | 6,161 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1983% | 980 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8648% | 615 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1266% | 306 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6910% | 746 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0367% | 5,185 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1262% | 915 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1262% | 826 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6861% | 6,090 |
| 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 | 0.1429% | 4,266 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3526% | 2,482 |
| Percentage Net Loans Charged-off:Construction & development | -2.4847% | 6,405 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3808% | 1,789 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6129% | 1,497 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6801% | 866 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5625% | 1,557 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1458% | 6,671 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3465% | 2,856 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3465% | 2,691 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8616% | 590 |
| 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 | 0.1123% | 4,264 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3721% | 2,290 |
| Percentage Net Loans Charged-off:Construction & development | -2.7339% | 6,459 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3865% | 1,574 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6850% | 1,306 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6985% | 779 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6747% | 1,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.4675% | 6,775 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1751% | 3,308 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1751% | 3,134 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1650% | 457 |
| 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 | 0.2811% | 2,916 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5980% | 1,628 |
| Percentage Net Loans Charged-off:Construction & development | -3.2775% | 6,488 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5685% | 1,168 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0759% | 823 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5470% | 402 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7045% | 1,224 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.7117% | 6,828 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2568% | 2,763 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2568% | 2,583 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.0717% | 327 |
| 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 | 0.6332% | 1,532 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2585% | 731 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0123% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8034% | 438 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5202% | 245 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2352% | 697 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.3876% | 6,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0159% | 1,131 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0159% | 1,013 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.3663% | 177 |
| 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 | 1.7254% | 878 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8654% | 735 |
| Percentage Net Loans Charged-off:Construction & development | 7.2680% | 665 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5637% | 773 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5119% | 742 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4725% | 825 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9162% | 888 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9008% | 607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9972% | 1,988 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2803% | 6,892 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2774% | 6,879 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0955% | 6,186 |
| 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 | 2.0764% | 598 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2279% | 500 |
| Percentage Net Loans Charged-off:Construction & development | 9.5403% | 441 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6509% | 652 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6648% | 589 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7892% | 590 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1562% | 661 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2732% | 445 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3067% | 1,491 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0717% | 6,450 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0708% | 6,407 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| 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 | 2.3592% | 531 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5685% | 451 |
| Percentage Net Loans Charged-off:Construction & development | 10.8308% | 382 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2835% | 450 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0524% | 416 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5350% | 731 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5700% | 513 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5086% | 769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2546% | 1,401 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1030% | 6,403 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1011% | 6,406 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1721% | 968 |
| 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 | 2.7411% | 397 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3666% | 270 |
| Percentage Net Loans Charged-off:Construction & development | 5.6659% | 563 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.8552% | 156 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6139% | 641 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1842% | 500 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9359% | 522 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8122% | 7,033 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1971% | 6,486 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1915% | 6,521 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| 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 | 1.7871% | 1,183 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6383% | 1,192 |
| Percentage Net Loans Charged-off:Construction & development | 12.6740% | 405 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9980% | 1,294 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1748% | 981 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3174% | 2,909 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3302% | 1,442 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3088% | 2,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6598% | 1,274 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8431% | 7,399 |
| 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 | 0.2176% | 1,367 |
| 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 | 1.5863% | 1,247 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3452% | 1,334 |
| Percentage Net Loans Charged-off:Construction & development | 12.3085% | 396 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4004% | 1,941 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2314% | 776 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3496% | 2,546 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4820% | 1,123 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2616% | 2,755 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8708% | 1,062 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1625% | 7,511 |
| 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 | 0.2744% | 1,164 |
| 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 | 0.9949% | 1,863 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1686% | 1,407 |
| Percentage Net Loans Charged-off:Construction & development | 9.5092% | 525 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5319% | 1,447 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3441% | 589 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3079% | 2,385 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3747% | 1,057 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2639% | 2,422 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3124% | 2,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.6985% | 7,586 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| 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 | 0.6814% | 2,129 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7875% | 1,605 |
| Percentage Net Loans Charged-off:Construction & development | 5.0401% | 782 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4213% | 1,156 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3985% | 1,738 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8670% | 595 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0921% | 2,534 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2847% | 2,274 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2976% | 7,594 |
| 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 | 0.3681% | 773 |
| 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 | 1.3204% | 1,890 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2978% | 1,561 |
| Percentage Net Loans Charged-off:Construction & development | 9.6170% | 635 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4684% | 1,802 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0827% | 556 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1989% | 3,274 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0577% | 1,837 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2806% | 2,712 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4927% | 2,309 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2233% | 5,116 |
| 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 | 0.1804% | 1,640 |
| 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 | 1.7280% | 1,174 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7162% | 982 |
| Percentage Net Loans Charged-off:Construction & development | 12.4712% | 355 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6270% | 1,170 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4235% | 372 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2613% | 2,542 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0771% | 1,524 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3649% | 2,057 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8861% | 1,614 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3286% | 4,364 |
| 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 | 0.1373% | 1,498 |
| 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 | 0.4591% | 2,992 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3268% | 2,601 |
| Percentage Net Loans Charged-off:Construction & development | 0.3059% | 2,292 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3841% | 1,191 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0826% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1045% | 2,989 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1156% | 1,179 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0984% | 2,822 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0513% | 1,929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1145% | 4,773 |
| 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 | -0.1352% | 6,903 |
| 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 | 0.0615% | 4,597 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0215% | 3,548 |
| 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 | 0.0494% | 2,468 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0757% | 2,141 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2555% | 2,172 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2000% | 7,329 |
| 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 | -0.1316% | 6,868 |
| 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 | 0.2213% | 4,014 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1150% | 3,544 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3627% | 247 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1080% | 2,782 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2073% | 1,017 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0596% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6153% | 2,438 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8566% | 2,616 |
| 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 | 0.1160% | 1,500 |
| 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 | 0.1748% | 3,556 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0424% | 3,643 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3538% | 262 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0558% | 2,761 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1952% | 823 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0113% | 7,771 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6634% | 1,744 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0400% | 1,796 |
| 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 | -0.1889% | 7,112 |
| 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 | 0.0538% | 4,617 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0504% | 2,923 |
| 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 | 0.5130% | 147 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0544% | 2,279 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1926% | 655 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0112% | 7,768 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0463% | 2,913 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8871% | 1,904 |
| 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 | -0.1114% | 7,033 |
| 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 | -0.0264% | 7,468 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0502% | 2,115 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9746% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0075% | 7,763 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0111% | 7,782 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2552% | 7,640 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1096% | 8,092 |
| 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 | -0.4585% | 7,195 |
| 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 | 0.1012% | 3,925 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1207% | 1,904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0823% | 1,134 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4579% | 113 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0050% | 3,245 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0019% | 5,950 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0082% | 2,959 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0030% | 3,931 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6624% | 850 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5199% | 509 |
| 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 | 0.0008% | 6,051 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0263% | 2,520 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0514% | 887 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0124% | 2,466 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0026% | 5,943 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0194% | 2,152 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1793% | 7,597 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2046% | 1,115 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5010% | 433 |
| 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 | 0.0213% | 4,480 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0398% | 1,818 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0766% | 591 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0198% | 1,866 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0039% | 5,941 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0310% | 1,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1083% | 7,412 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6087% | 2,094 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5559% | 414 |
| 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 | 0.0888% | 2,346 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0902% | 929 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2250% | 247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0050% | 7,708 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0077% | 5,951 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0037% | 7,679 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0241% | 1,771 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5363% | 2,052 |
| 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 | 2.3037% | 267 |
| 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 | 0.0348% | 4,816 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0129% | 2,940 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0451% | 985 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0144% | 7,996 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0375% | 6,054 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0030% | 7,732 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0437% | 3,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8941% | 1,680 |
| 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 | 2.1175% | 372 |
| 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 | 0.0189% | 4,801 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0072% | 7,765 |
| 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 | -0.0169% | 8,003 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0449% | 6,048 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0027% | 7,686 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0516% | 2,715 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5821% | 2,259 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9636% | 348 |
| 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 | 0.0336% | 3,888 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0017% | 7,529 |
| 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 | -0.0041% | 7,750 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0040% | 5,938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 7,758 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0812% | 2,149 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2622% | 973 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6276% | 356 |
| 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 | 0.1301% | 1,786 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0024% | 7,606 |
| 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 | -0.0054% | 7,865 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0079% | 5,946 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 7,843 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4637% | 873 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2081% | 517 |
| 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 | 2.4040% | 249 |
| 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 | -0.0182% | 8,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0013% | 3,502 |
| 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 | 0.0029% | 2,994 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0861% | 446 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0490% | 8,302 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1670% | 7,751 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2566% | 1,363 |
| 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 | 2.7049% | 289 |
| 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 | -0.0445% | 8,100 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0192% | 8,053 |
| 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 | -0.0439% | 8,284 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0099% | 5,959 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0662% | 8,333 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2035% | 7,735 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0781% | 1,486 |
| 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 | 2.3337% | 286 |
| 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 | -0.0392% | 7,890 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0007% | 2,523 |
| 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 | 0.0015% | 2,130 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0110% | 5,902 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0102% | 1,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2051% | 7,698 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5175% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5446% | 343 |
| 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 | -0.1156% | 8,270 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0040% | 7,748 |
| 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 | -0.0092% | 8,010 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0147% | 5,914 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0053% | 7,961 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5454% | 8,072 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6312% | 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% | 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 | 0.2308% | 2,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0461% | 2,382 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0377% | 8,384 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1430% | 1,254 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0196% | 5,990 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2559% | 779 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6897% | 1,761 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3564% | 1,400 |
| 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 | 0.1937% | 2,398 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0648% | 1,723 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0504% | 8,448 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1979% | 832 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0159% | 5,962 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3450% | 509 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4652% | 1,831 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7935% | 825 |
| 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 | 0.2536% | 1,812 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1110% | 1,188 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0588% | 8,523 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3153% | 551 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0649% | 5,991 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5763% | 292 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5912% | 1,472 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2830% | 1,387 |
| 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 | 0.0283% | 4,213 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0732% | 8,624 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1135% | 8,635 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0475% | 8,502 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1173% | 5,954 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2771% | 1,465 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4457% | 3,083 |
| 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 | 0.1599% | 3,887 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0063% | 3,773 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0063% | 8,383 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0225% | 2,863 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0022% | 634 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0381% | 2,456 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4222% | 2,837 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3130% | 661 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2196% | 2,792 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0075% | 3,150 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0042% | 8,419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0229% | 2,379 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0086% | 493 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0342% | 2,110 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6660% | 1,888 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8263% | 896 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1492% | 3,288 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0090% | 2,666 |
| 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 | 0.0214% | 2,014 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0171% | 5,923 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0536% | 1,594 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3858% | 2,215 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8630% | 908 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0274% | 4,696 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0220% | 1,707 |
| 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 | 0.0516% | 1,247 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0171% | 5,873 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1112% | 946 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0220% | 7,354 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8097% | 2,356 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4031% | 2,074 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1026% | 1,788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2161% | 817 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0067% | 8,409 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0446% | 5,990 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0216% | 2,732 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1262% | 1,723 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8305% | 1,015 |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3908% | 2,099 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3319% | 591 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5943% | 389 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1020% | 1,508 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0323% | 528 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1399% | 1,194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3557% | 3,085 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2964% | 643 |
| 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 | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0660% | 5,383 |
| 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 | 0.0182% | 7,147 |
| 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 | 0.0447% | 6,544 |
| 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 | 0.2380% | 3,355 |
| 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 | 0.0202% | 7,969 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4185% | 2,066 |
| 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 | 1.0544% | 696 |
| 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 | 0.2016% | 5,373 |
| 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 | 0.7179% | 3,056 |
| 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 |