Home > The Bank of Oswego > Net charge- offs to loans
The Bank of Oswego, Net charge- offs to loans
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0507% | 5,373 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0516% | 5,367 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 380 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0937% | 5,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0417% | 5,359 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 570 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0580% | 5,484 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0699% | 4,864 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,935 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,209 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0636% | 5,449 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0680% | 5,543 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 253 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1164% | 5,724 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0825% | 5,614 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 408 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1145% | 5,705 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0666% | 4,892 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,488 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,340 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 943 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1174% | 2,200 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0805% | 1,834 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 805 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1414% | 5,716 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6761% | 245 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 945 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8949% | 161 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0960% | 5,093 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0362% | 755 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0362% | 679 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,449 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0325% | 3,271 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0606% | 5,613 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1501% | 5,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,781 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 830 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,664 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1070% | 5,145 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2890% | 510 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2890% | 448 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,309 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1003% | 2,005 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0607% | 5,678 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 555 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1565% | 5,895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,507 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0215% | 4,514 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8814% | 341 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8814% | 310 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2615% | 920 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0643% | 5,764 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1645% | 6,030 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,166 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7741% | 167 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.7741% | 152 |
| 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 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.7716% | 6,433 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.0133% | 6,414 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,139 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1930% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -2.3610% | 6,392 |
| Percentage Net Loans Charged-off: Home equity loans | -4.7818% | 4,803 |
| All other 1-4 family - Percent of loans charged-off, net | -1.4745% | 6,375 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.4208% | 6,127 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0684% | 218 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.0684% | 198 |
| Percentage Net Loans Charged-off: All other loans and lease | 106.4516% | 10 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -1.1280% | 6,525 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.3151% | 6,498 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 983 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3219% | 811 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -2.9018% | 6,471 |
| Percentage Net Loans Charged-off: Home equity loans | -5.7713% | 4,846 |
| All other 1-4 family - Percent of loans charged-off, net | -1.8245% | 6,455 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3992% | 6,203 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4948% | 1,685 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4948% | 1,544 |
| Percentage Net Loans Charged-off: All other loans and lease | 117.3040% | 7 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -1.7874% | 6,599 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.7242% | 6,567 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 833 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3116% | 6,315 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -3.3079% | 6,537 |
| Percentage Net Loans Charged-off: Home equity loans | -8.1528% | 4,875 |
| All other 1-4 family - Percent of loans charged-off, net | -1.5115% | 6,512 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.5480% | 6,314 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6665% | 1,239 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6665% | 1,130 |
| Percentage Net Loans Charged-off: All other loans and lease | 11.2139% | 87 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -3.3355% | 6,676 |
| Percentage Net Loans Charged-off: Total real estate loans | -3.2326% | 6,639 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5956% | 6,461 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -5.9655% | 6,607 |
| Percentage Net Loans Charged-off: Home equity loans | -15.4299% | 4,905 |
| All other 1-4 family - Percent of loans charged-off, net | -2.5995% | 6,592 |
| Percentage Net Loans Charged-off: Commercial and industrial | -4.8165% | 6,412 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4431% | 619 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4431% | 560 |
| Percentage Net Loans Charged-off: All other loans and lease | 25.3968% | 45 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5457% | 113 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6528% | 206 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1154% | 527 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5555% | 95 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2823% | 288 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0157% | 85 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6630% | 229 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3914% | 796 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3914% | 715 |
| Percentage Net Loans Charged-off: All other loans and lease | -8.5714% | 6,126 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4774% | 128 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0370% | 433 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1114% | 153 |
| Percentage Net Loans Charged-off: Home equity loans | -2.9228% | 5,041 |
| All other 1-4 family - Percent of loans charged-off, net | 3.9317% | 54 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5446% | 175 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0964% | 445 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0964% | 403 |
| Percentage Net Loans Charged-off: All other loans and lease | -10.5237% | 6,189 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2558% | 454 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9244% | 197 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.8729% | 70 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7144% | 501 |
| All other 1-4 family - Percent of loans charged-off, net | 4.9991% | 60 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2637% | 1,582 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1521% | 5,868 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1521% | 5,817 |
| Percentage Net Loans Charged-off: All other loans and lease | -13.9535% | 6,204 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1001% | 2,856 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0972% | 6,538 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1953% | 6,658 |
| Percentage Net Loans Charged-off: Home equity loans | -0.7653% | 5,031 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5423% | 909 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0713% | 5,566 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0713% | 5,513 |
| Percentage Net Loans Charged-off: All other loans and lease | -23.7624% | 6,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.2363% | 138 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.3080% | 51 |
| Percentage Net Loans Charged-off:Construction & development | 1.0646% | 1,456 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,215 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.5717% | 124 |
| Percentage Net Loans Charged-off: 1-4 family residential | 7.3947% | 21 |
| Percentage Net Loans Charged-off: Home equity loans | 13.3422% | 30 |
| All other 1-4 family - Percent of loans charged-off, net | 5.3036% | 58 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9387% | 1,501 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2660% | 346 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.2660% | 324 |
| Percentage Net Loans Charged-off: All other loans and lease | 11.8026% | 134 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1086% | 326 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7878% | 179 |
| Percentage Net Loans Charged-off:Construction & development | 1.2728% | 1,266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.6736% | 92 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.0955% | 96 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 5.5371% | 63 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3901% | 2,047 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3079% | 327 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.3079% | 308 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3109% | 807 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3127% | 719 |
| Percentage Net Loans Charged-off:Construction & development | 1.1694% | 1,220 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 12.8131% | 73 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7079% | 1,275 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9464% | 937 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5965% | 1,603 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.8228% | 226 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.8228% | 215 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8535% | 1,203 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4853% | 1,630 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9507% | 894 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2503% | 688 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0427% | 5,619 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.4617% | 106 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 9.4617% | 106 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| 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 | 0.6288% | 2,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3018% | 3,387 |
| Percentage Net Loans Charged-off:Construction & development | -0.0312% | 6,373 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0211% | 3,485 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5779% | 2,014 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4907% | 5,381 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8970% | 1,351 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4863% | 1,543 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3830% | 3,191 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3830% | 2,921 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4691% | 365 |
| 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 | 0.3833% | 3,201 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4033% | 2,724 |
| Percentage Net Loans Charged-off:Construction & development | -0.0274% | 6,394 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0286% | 2,987 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7681% | 1,495 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6617% | 5,414 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1870% | 979 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2999% | 2,803 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5461% | 2,414 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5461% | 2,127 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3489% | 338 |
| 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 | 0.5875% | 2,350 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6075% | 2,030 |
| Percentage Net Loans Charged-off:Construction & development | -0.0197% | 6,388 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0438% | 2,473 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1501% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | -1.0053% | 5,449 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7699% | 647 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4835% | 2,202 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8551% | 1,691 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8551% | 1,400 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.9738% | 231 |
| 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 | 0.6045% | 1,989 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2366% | 2,598 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4483% | 1,660 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0717% | 344 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5588% | 988 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7700% | 1,641 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7700% | 1,324 |
| Percentage Net Loans Charged-off: All other loans and lease | 6.7227% | 162 |
| 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 | 0.6713% | 2,994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3231% | 3,612 |
| Percentage Net Loans Charged-off:Construction & development | -0.0193% | 6,863 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3723% | 2,328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4249% | 2,494 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1110% | 458 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7509% | 1,815 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9397% | 2,261 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -3.5336% | 6,767 |
| 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 | 0.1499% | 5,109 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0034% | 7,270 |
| Percentage Net Loans Charged-off:Construction & development | -0.0274% | 6,915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,641 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,440 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4328% | 3,049 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2531% | 1,631 |
| 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 | -2.5512% | 6,820 |
| 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 | 0.1459% | 4,776 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0026% | 7,241 |
| Percentage Net Loans Charged-off:Construction & development | -0.0232% | 6,921 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,093 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6861% | 2,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1180% | 4,221 |
| 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 | -7.8431% | 6,856 |
| 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 | 0.3163% | 3,149 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0053% | 7,203 |
| Percentage Net Loans Charged-off:Construction & development | -0.0495% | 6,970 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,124 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4834% | 1,282 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2447% | 3,224 |
| 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 | -18.6047% | 6,915 |
| 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 | 0.5762% | 3,488 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4453% | 3,071 |
| Percentage Net Loans Charged-off:Construction & development | -0.0399% | 7,298 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0007% | 1,304 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0836% | 328 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1747% | 3,242 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0492% | 2,788 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1429% | 5,460 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2595% | 4,427 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2169% | 3,510 |
| Percentage Net Loans Charged-off:Construction & development | -0.0381% | 7,342 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5300% | 1,709 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0612% | 684 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2792% | 2,323 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3717% | 3,428 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2594% | 4,625 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0141% | 6,346 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0039% | 7,652 |
| Percentage Net Loans Charged-off:Construction & development | -0.0211% | 7,335 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,865 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2225% | 4,352 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0187% | 5,304 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,232 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.2801% | 3,531 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3894% | 1,986 |
| Percentage Net Loans Charged-off:Construction & development | 0.2510% | 2,325 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0899% | 551 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4325% | 216 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0155% | 4,538 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1323% | 8,132 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1854% | 8,197 |
| Percentage Net Loans Charged-off:Construction & development | 0.3108% | 1,632 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | -1.0584% | 8,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | -2.3919% | 8,182 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,892 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,434 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2018% | 8,220 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2868% | 8,281 |
| Percentage Net Loans Charged-off:Construction & development | 0.4583% | 1,033 |
| 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 | -1.7505% | 8,264 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | -4.2214% | 8,249 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,890 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,009 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| 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 | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1977% | 2,667 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2822% | 1,009 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7173% | 119 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 7.0218% | 15 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,946 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,698 |
| 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 | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2937% | 1,365 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4156% | 409 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7114% | 42 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 11.7418% | 3 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,220 |
| 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 | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4506% | 798 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6316% | 223 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9468% | 18 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 17.0874% | 3 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,675 |
| 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 | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,377 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,719 |
| 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 | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,218 |
| 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 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.0000% | 4,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| 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 | NA | NA |
| 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 | NA | NA |
| 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 | 0.0000% | 6,618 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,170 |
| 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 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| 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 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| 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 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| 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 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,973 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| 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 | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,496 |
| 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 |