Home > 3rd Fed Bank > Net charge- offs to loans
3rd Fed Bank, Net charge- offs to loans
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6236% | 580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6307% | 431 |
| Percentage Net Loans Charged-off:Construction & development | 34.3237% | 19 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0670% | 1,446 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7615% | 168 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1550% | 1,782 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0405% | 958 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1631% | 1,640 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0481% | 2,109 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9442% | 941 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9442% | 856 |
| 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% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8220% | 461 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8321% | 314 |
| Percentage Net Loans Charged-off:Construction & development | 53.8601% | 12 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1494% | 1,705 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0611% | 778 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1555% | 1,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0760% | 5,202 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4140% | 599 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4140% | 546 |
| 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% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6343% | 188 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6509% | 119 |
| Percentage Net Loans Charged-off:Construction & development | 113.1875% | 7 |
| 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 | 0.2812% | 987 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1229% | 517 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2920% | 924 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0543% | 5,109 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0006% | 252 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.0006% | 227 |
| 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 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2084% | 2,789 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2057% | 2,275 |
| Percentage Net Loans Charged-off:Construction & development | 1.2364% | 750 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3845% | 1,255 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1392% | 2,696 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0345% | 4,710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1494% | 2,520 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,100 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7449% | 574 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7449% | 512 |
| 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% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2566% | 2,274 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2548% | 1,869 |
| Percentage Net Loans Charged-off:Construction & development | 1.5641% | 626 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5233% | 933 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1560% | 2,345 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0489% | 4,760 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1675% | 2,184 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0512% | 2,461 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4266% | 703 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4266% | 627 |
| 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% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3181% | 1,914 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3176% | 1,578 |
| Percentage Net Loans Charged-off:Construction & development | 2.1788% | 493 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8139% | 625 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1353% | 2,329 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0823% | 4,816 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1467% | 2,154 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1599% | 5,822 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8185% | 533 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8185% | 483 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5263% | 1,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5330% | 974 |
| Percentage Net Loans Charged-off:Construction & development | 2.9320% | 329 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6311% | 289 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1700% | 1,790 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1658% | 4,908 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1877% | 1,612 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2442% | 6,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6610% | 1,373 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6610% | 1,243 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3941% | 2,679 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3690% | 2,410 |
| Percentage Net Loans Charged-off:Construction & development | 3.1653% | 817 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3052% | 1,967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2697% | 2,616 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3416% | 1,221 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2653% | 2,504 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9706% | 565 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0069% | 1,384 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0069% | 1,270 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| 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 | 0.3999% | 2,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3634% | 2,325 |
| Percentage Net Loans Charged-off:Construction & development | 2.0198% | 1,017 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3808% | 1,585 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2929% | 2,392 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0680% | 1,463 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3072% | 2,217 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.1368% | 371 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3213% | 982 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3213% | 879 |
| 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 | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5547% | 1,926 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4983% | 1,845 |
| Percentage Net Loans Charged-off:Construction & development | 2.6971% | 816 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5379% | 1,202 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3989% | 1,909 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4256% | 1,764 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.5232% | 230 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0767% | 1,165 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0767% | 1,041 |
| 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 | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0689% | 3,798 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0739% | 3,152 |
| 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 | 0.1059% | 2,515 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1130% | 2,341 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4408% | 6,569 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| 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 | 0.7675% | 2,238 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7843% | 1,986 |
| Percentage Net Loans Charged-off:Construction & development | 7.3622% | 656 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0934% | 3,139 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3445% | 803 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5279% | 2,150 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7607% | 1,011 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5114% | 2,112 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6958% | 6,876 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2294% | 3,859 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2242% | 3,608 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| 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 | 0.8313% | 1,913 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8229% | 1,746 |
| Percentage Net Loans Charged-off:Construction & development | 6.3515% | 704 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1128% | 2,637 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4595% | 638 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6412% | 1,707 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0583% | 1,617 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6833% | 1,574 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9983% | 1,070 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1197% | 4,044 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1162% | 3,832 |
| 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 | 1.0920% | 1,446 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0807% | 1,305 |
| Percentage Net Loans Charged-off:Construction & development | 7.4507% | 581 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1699% | 2,112 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9327% | 1,250 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0013% | 1,139 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6765% | 799 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,954 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| 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 | 0.8512% | 1,551 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8644% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 9.8649% | 347 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3443% | 1,263 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3361% | 1,881 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3608% | 1,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,362 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,214 |
| 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 | 0.5756% | 3,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5537% | 2,825 |
| Percentage Net Loans Charged-off:Construction & development | 4.4301% | 1,366 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9096% | 1,387 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0726% | 4,341 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0340% | 1,897 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0754% | 4,157 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3742% | 1,422 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7725% | 2,626 |
| 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% | 1,993 |
| 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 | 0.4833% | 3,343 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4497% | 2,842 |
| Percentage Net Loans Charged-off:Construction & development | 4.2193% | 1,288 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4635% | 1,816 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0696% | 4,013 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0746% | 3,801 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1295% | 971 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9613% | 2,074 |
| 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% | 1,786 |
| 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 | 0.3670% | 3,523 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3596% | 2,885 |
| Percentage Net Loans Charged-off:Construction & development | 4.8786% | 1,017 |
| 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 | 0.7831% | 2,244 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8250% | 2,198 |
| 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 | 0.6609% | 2,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6573% | 1,794 |
| Percentage Net Loans Charged-off:Construction & development | 8.5904% | 509 |
| 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 | 0.9772% | 1,575 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6004% | 2,438 |
| 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% | 1,171 |
| 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 | 0.2907% | 4,819 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2966% | 3,637 |
| Percentage Net Loans Charged-off:Construction & development | 2.5369% | 1,869 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8731% | 443 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0571% | 4,336 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6981% | 1,053 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0168% | 4,568 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2622% | 7,456 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7133% | 3,440 |
| 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% | 2,150 |
| 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 | 0.2293% | 4,624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2350% | 3,410 |
| Percentage Net Loans Charged-off:Construction & development | 1.7048% | 1,844 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.5476% | 278 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0379% | 4,050 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2945% | 1,246 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0223% | 3,967 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3732% | 7,533 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9045% | 2,652 |
| 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% | 1,898 |
| 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 | 0.1640% | 4,567 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1691% | 3,317 |
| Percentage Net Loans Charged-off:Construction & development | 1.5797% | 1,556 |
| 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 | 0.0533% | 3,346 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4507% | 892 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0297% | 3,339 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3543% | 7,562 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7245% | 2,887 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2950% | 2,931 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3000% | 2,072 |
| Percentage Net Loans Charged-off:Construction & development | 3.1807% | 748 |
| 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 | 0.0504% | 2,459 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9233% | 451 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3547% | 7,557 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3035% | 1,692 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1234% | 5,004 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1016% | 3,687 |
| Percentage Net Loans Charged-off:Construction & development | 1.1512% | 1,479 |
| 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 | 0.0033% | 4,175 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0035% | 3,919 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3989% | 1,454 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4378% | 1,557 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| 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 | 0.0047% | 6,373 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0107% | 4,314 |
| Percentage Net Loans Charged-off:Construction & development | 0.0893% | 1,986 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0044% | 3,455 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0046% | 3,210 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0521% | 7,891 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3145% | 1,404 |
| 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 | 0.0078% | 5,730 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0162% | 3,459 |
| Percentage Net Loans Charged-off:Construction & development | 0.1333% | 1,405 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0066% | 2,772 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0069% | 2,546 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.4685% | 7,970 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5158% | 1,104 |
| 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 | -0.0060% | 7,012 |
| 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 | -1.3493% | 7,967 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8118% | 844 |
| 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 | 0.0733% | 4,470 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0755% | 2,448 |
| Percentage Net Loans Charged-off:Construction & development | 0.8345% | 500 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0079% | 3,193 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0082% | 2,958 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9488% | 8,006 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7820% | 769 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0043% | 5,842 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0073% | 3,119 |
| 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 | 0.0105% | 2,503 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0110% | 2,306 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9341% | 7,984 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4207% | 909 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0060% | 5,180 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 2,406 |
| 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 | 0.0159% | 1,918 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0166% | 1,762 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9260% | 7,996 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0172% | 1,260 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0041% | 6,670 |
| 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 | -0.8268% | 7,998 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9063% | 1,383 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0153% | 7,865 |
| 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 | -0.7918% | 8,104 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3610% | 8,160 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0045% | 7,288 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7807% | 8,121 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2143% | 1,024 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0012% | 5,311 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5177% | 8,001 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4215% | 846 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0103% | 3,949 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3289% | 7,828 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4726% | 440 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0004% | 6,603 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0420% | 8,244 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9726% | 665 |
| Percentage Net Loans Charged-off: Credit card loans | 7.2952% | 140 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0130% | 5,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7053% | 8,142 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5535% | 407 |
| Percentage Net Loans Charged-off: Credit card loans | 7.7811% | 118 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0031% | 5,523 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2184% | 8,243 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1695% | 538 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7538% | 289 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0293% | 3,721 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6816% | 447 |
| Percentage Net Loans Charged-off: Credit card loans | 7.2476% | 159 |
| 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 | 0.1422% | 3,498 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.0068% | 135 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1594% | 665 |
| Percentage Net Loans Charged-off: Credit card loans | 7.1182% | 196 |
| 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 | 0.1187% | 3,367 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.2539% | 185 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1687% | 625 |
| Percentage Net Loans Charged-off: Credit card loans | 6.8719% | 204 |
| 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 | 0.0992% | 3,413 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4610% | 238 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8252% | 830 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9587% | 352 |
| 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 | 0.1884% | 2,023 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.5380% | 85 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8561% | 509 |
| Percentage Net Loans Charged-off: Credit card loans | 7.3302% | 231 |
| 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 | 0.0693% | 5,424 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0043% | 3,872 |
| Percentage Net Loans Charged-off:Construction & development | 0.0296% | 728 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0045% | 3,329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0047% | 3,162 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6204% | 1,114 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9611% | 885 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3516% | 370 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1714% | 3,302 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 3,270 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0062% | 2,759 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0064% | 2,627 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.3886% | 78 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0739% | 736 |
| Percentage Net Loans Charged-off: Credit card loans | 7.1762% | 211 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1644% | 3,119 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0074% | 2,711 |
| 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 | 0.0097% | 2,234 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0100% | 2,120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.4897% | 104 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1409% | 727 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6171% | 371 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2779% | 1,880 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0146% | 1,798 |
| 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 | 0.0193% | 1,455 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0199% | 1,366 |
| Percentage Net Loans Charged-off: Commercial and industrial | 18.4859% | 43 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4142% | 697 |
| Percentage Net Loans Charged-off: Credit card loans | 7.7531% | 256 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2495% | 3,165 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0041% | 3,945 |
| Percentage Net Loans Charged-off:Construction & development | 0.1241% | 587 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0004% | 3,432 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0506% | 499 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 8,269 |
| Percentage Net Loans Charged-off: Commercial and industrial | 13.4247% | 85 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8175% | 1,025 |
| Percentage Net Loans Charged-off: Credit card loans | 7.5519% | 242 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0500% | 6,153 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0068% | 3,657 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0096% | 2,994 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0556% | 478 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0081% | 2,866 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5986% | 3,690 |
| Percentage Net Loans Charged-off: Credit card loans | 6.7154% | 266 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2018% | 3,134 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0128% | 728 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0193% | 647 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2277% | 133 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0144% | 653 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6692% | 222 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5318% | 250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1092% | 4,641 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0297% | 601 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0405% | 564 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8676% | 16 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0646% | 414 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4380% | 280 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0747% | 5,714 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0037% | 1,223 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0044% | 1,282 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0045% | 1,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1252% | 423 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4380% | 915 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0594% | 6,450 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0062% | 904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0070% | 901 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0651% | 299 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0062% | 850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.9385% | 21 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1056% | 1,233 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0028% | 8,733 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0377% | 812 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0600% | 1,321 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,056 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0357% | 7,416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0344% | 746 |
| Percentage Net Loans Charged-off:Construction & development | 0.0783% | 259 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0356% | 624 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0368% | 587 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0581% | 1,297 |
| 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% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2218% | 3,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2285% | 366 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2619% | 209 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2763% | 212 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2737% | 905 |
| 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% | 371 |
| 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 | 0.0265% | 9,006 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0080% | 1,138 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0092% | 1,001 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0096% | 945 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3428% | 648 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0792% | 1,228 |
| 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% | 423 |
| 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 | 0.1705% | 7,691 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0551% | 1,542 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0137% | 413 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0662% | 1,542 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0762% | 1,316 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0659% | 1,538 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2970% | 299 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7526% | 165 |
| 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% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |