Home > Britton & Koontz Bank, N.A. > Net charge- offs to loans
Britton & Koontz Bank, N.A., Net charge- offs to loans
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2617% | 2,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2268% | 2,146 |
| Percentage Net Loans Charged-off:Construction & development | 0.9548% | 843 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2352% | 6,464 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7042% | 213 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2294% | 2,062 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7205% | 520 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0699% | 3,140 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5806% | 1,441 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,193 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,056 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2411% | 2,365 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3003% | 1,692 |
| Percentage Net Loans Charged-off:Construction & development | 1.3287% | 676 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3144% | 6,559 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1052% | 157 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2969% | 1,630 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3692% | 762 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2725% | 1,694 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0654% | 5,454 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1761% | 6,063 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1761% | 6,019 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2334% | 2,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2972% | 1,656 |
| Percentage Net Loans Charged-off:Construction & development | -0.0246% | 5,495 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0181% | 6,165 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.9843% | 104 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2284% | 1,891 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4084% | 681 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1636% | 2,073 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0787% | 5,515 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2658% | 6,127 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2658% | 6,078 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| 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 | 0.4566% | 1,303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5666% | 921 |
| Percentage Net Loans Charged-off:Construction & development | -0.0247% | 5,586 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0373% | 6,380 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.4661% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3417% | 1,291 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4744% | 992 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0781% | 5,505 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2099% | 5,947 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2099% | 5,892 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| 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 | 0.8225% | 1,420 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8872% | 1,150 |
| Percentage Net Loans Charged-off:Construction & development | 0.6244% | 1,708 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8978% | 993 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.9408% | 253 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6972% | 1,328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1539% | 1,499 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9355% | 976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4446% | 2,196 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6876% | 1,898 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6876% | 1,758 |
| 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 | 0.7947% | 1,389 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8967% | 1,103 |
| Percentage Net Loans Charged-off:Construction & development | 0.0360% | 2,114 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1260% | 739 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.6680% | 251 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7396% | 1,203 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2027% | 1,252 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9781% | 905 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0212% | 3,175 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0003% | 1,272 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0003% | 1,150 |
| 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 | 0.3908% | 2,457 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3244% | 2,360 |
| Percentage Net Loans Charged-off:Construction & development | 0.0686% | 1,848 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3596% | 1,474 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2778% | 311 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2521% | 2,400 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3652% | 1,924 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8916% | 1,326 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6735% | 1,688 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6735% | 1,557 |
| 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 | 0.1706% | 3,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3512% | 1,986 |
| Percentage Net Loans Charged-off:Construction & development | 0.0646% | 1,359 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0276% | 1,639 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.4074% | 183 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6351% | 1,270 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9291% | 902 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3751% | 6,843 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8480% | 1,291 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8480% | 1,161 |
| 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 | 1.3978% | 1,166 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3037% | 1,217 |
| Percentage Net Loans Charged-off:Construction & development | -0.8092% | 6,607 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3304% | 940 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.5842% | 95 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1881% | 3,506 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1249% | 1,743 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2141% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5277% | 962 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4057% | 3,114 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4034% | 2,847 |
| 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 | 0.6654% | 2,251 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4715% | 2,493 |
| Percentage Net Loans Charged-off:Construction & development | -1.6488% | 6,697 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3421% | 1,967 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.1288% | 159 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2351% | 2,949 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1776% | 1,448 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2578% | 2,715 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3714% | 915 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5398% | 2,429 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5377% | 2,149 |
| 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 | 0.1628% | 4,199 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1833% | 3,427 |
| Percentage Net Loans Charged-off:Construction & development | 0.0661% | 2,238 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2113% | 2,020 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0760% | 636 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2431% | 2,719 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1999% | 1,238 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2595% | 2,492 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0460% | 6,184 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4502% | 2,562 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4495% | 2,235 |
| 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 | 0.1840% | 3,388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1857% | 2,812 |
| Percentage Net Loans Charged-off:Construction & development | 0.1337% | 1,591 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1521% | 398 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5474% | 1,474 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3740% | 804 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6109% | 1,290 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0735% | 2,226 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7936% | 1,609 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7936% | 1,285 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4199% | 1,566 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3864% | 1,403 |
| Percentage Net Loans Charged-off:Construction & development | 5.4099% | 1,163 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9398% | 1,356 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2678% | 3,134 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8625% | 965 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0655% | 4,250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0124% | 1,608 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4428% | 3,613 |
| 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 | 1.5724% | 1,265 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4990% | 1,190 |
| Percentage Net Loans Charged-off:Construction & development | 5.9094% | 964 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1784% | 997 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0313% | 7,378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0420% | 7,389 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5208% | 1,213 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4642% | 3,262 |
| 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 | 2.3641% | 734 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2346% | 726 |
| Percentage Net Loans Charged-off:Construction & development | 8.8625% | 575 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7544% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0286% | 7,378 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0381% | 7,396 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9579% | 732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6483% | 2,549 |
| 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 | 3.2757% | 453 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.7661% | 337 |
| Percentage Net Loans Charged-off:Construction & development | 13.6913% | 299 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.3850% | 268 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0289% | 7,393 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0384% | 7,432 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0840% | 2,632 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8629% | 1,991 |
| 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 | 0.8650% | 2,669 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9188% | 2,033 |
| Percentage Net Loans Charged-off:Construction & development | 0.9050% | 2,630 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6422% | 710 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0852% | 4,084 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1110% | 3,696 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4935% | 3,762 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9717% | 2,758 |
| 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 | 1.0848% | 1,836 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2007% | 1,354 |
| Percentage Net Loans Charged-off:Construction & development | 0.7647% | 2,297 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2025% | 379 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2509% | 2,586 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3251% | 2,171 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4298% | 3,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3561% | 4,248 |
| 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 | 0.4608% | 2,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4394% | 2,283 |
| Percentage Net Loans Charged-off:Construction & development | 0.9662% | 1,797 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4750% | 1,072 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2498% | 2,265 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3210% | 1,896 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6923% | 2,361 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4172% | 3,726 |
| 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 | 0.2362% | 3,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3082% | 2,046 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6504% | 575 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0699% | 2,360 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0886% | 2,091 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2508% | 7,488 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0674% | 7,004 |
| 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 | 0.3372% | 3,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2548% | 2,548 |
| Percentage Net Loans Charged-off:Construction & development | 0.3791% | 2,150 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0094% | 2,285 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5007% | 1,197 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6143% | 956 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5035% | 1,370 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7104% | 8,018 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.5699% | 7,281 |
| 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 | 0.2938% | 2,577 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3130% | 1,632 |
| Percentage Net Loans Charged-off:Construction & development | 0.4648% | 1,470 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0129% | 1,656 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5940% | 784 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7261% | 610 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6635% | 1,743 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7124% | 8,053 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.8529% | 7,310 |
| 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 | 0.1771% | 2,948 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3073% | 1,319 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0193% | 1,209 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8862% | 447 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0756% | 323 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4187% | 7,786 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4374% | 7,923 |
| 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 | -3.0856% | 7,340 |
| 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 | 0.3083% | 1,613 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5251% | 632 |
| 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 | 1.5261% | 214 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8448% | 156 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9924% | 7,929 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0062% | 8,071 |
| 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 | 0.1484% | 3,218 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1387% | 1,756 |
| Percentage Net Loans Charged-off:Construction & development | 0.0541% | 1,328 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0028% | 1,643 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3513% | 770 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1295% | 662 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3906% | 684 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0909% | 7,478 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0988% | 1,458 |
| 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 | 0.0960% | 3,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0771% | 1,725 |
| Percentage Net Loans Charged-off:Construction & development | 0.0287% | 954 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0037% | 1,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1945% | 937 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1757% | 438 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1977% | 882 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2410% | 2,091 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1457% | 4,422 |
| 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 | 0.1108% | 2,612 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0729% | 1,431 |
| Percentage Net Loans Charged-off:Construction & development | 0.0043% | 760 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0055% | 853 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1934% | 813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2684% | 283 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1811% | 786 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3895% | 1,415 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2106% | 3,610 |
| 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 | 0.1686% | 1,599 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0510% | 1,199 |
| Percentage Net Loans Charged-off:Construction & development | 0.0091% | 427 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0112% | 495 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1208% | 825 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5433% | 133 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0547% | 1,004 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0308% | 600 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4052% | 2,405 |
| 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 | 0.2097% | 1,920 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0345% | 8,181 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0693% | 8,146 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0252% | 8,095 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0291% | 8,078 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9557% | 513 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2853% | 3,972 |
| 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 | 0.1270% | 2,284 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0121% | 7,889 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0058% | 966 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0330% | 8,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0380% | 8,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0888% | 734 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1923% | 4,053 |
| 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 | 0.0224% | 4,236 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0142% | 7,927 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0088% | 766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0390% | 8,172 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0449% | 8,164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0626% | 2,231 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5361% | 2,249 |
| 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 | 0.0234% | 3,511 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0265% | 8,132 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0179% | 443 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0712% | 8,326 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0820% | 8,313 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0692% | 1,487 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7242% | 1,682 |
| 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 | 0.0675% | 4,357 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0599% | 1,785 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1489% | 654 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0191% | 2,586 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0221% | 2,368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1059% | 3,283 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1050% | 5,657 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0423% | 4,433 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 2,412 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0616% | 734 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0071% | 7,885 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 7,889 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1765% | 2,423 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0984% | 5,216 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0209% | 4,750 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0273% | 1,846 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0922% | 533 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0086% | 7,907 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0100% | 7,929 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0146% | 7,266 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0337% | 3,624 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0067% | 1,683 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0190% | 454 |
| 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 | 0.0413% | 1,835 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3750% | 2,948 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1023% | 4,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0635% | 2,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.1190% | 461 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1016% | 995 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0319% | 2,484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0355% | 2,309 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3314% | 2,601 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2119% | 5,359 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3179% | 7,606 |
| 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 | 0.0528% | 4,629 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0086% | 2,981 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0046% | 8,201 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0190% | 2,343 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0210% | 2,173 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2738% | 2,339 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2546% | 4,657 |
| 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 | -0.4217% | 7,641 |
| 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 | 0.0779% | 3,792 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0024% | 2,731 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0035% | 8,263 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0066% | 2,170 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0072% | 2,027 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4776% | 1,627 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1843% | 4,695 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0207% | 4,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 1,883 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0071% | 8,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0134% | 1,482 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0144% | 1,367 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2522% | 3,751 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3644% | 2,070 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2854% | 777 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6958% | 368 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0456% | 2,424 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0478% | 2,303 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7459% | 2,087 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4880% | 4,307 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1410% | 3,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1974% | 938 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4265% | 436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0622% | 1,813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0648% | 1,739 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1884% | 8,119 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2904% | 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% | 1,617 |
| 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 | 0.1312% | 3,514 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2467% | 727 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4883% | 352 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0963% | 1,301 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0996% | 1,258 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3477% | 8,270 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0261% | 5,950 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0232% | 4,819 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1684% | 793 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1559% | 402 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2003% | 698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2068% | 687 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6860% | 8,483 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1027% | 4,693 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5486% | 1,522 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3016% | 744 |
| Percentage Net Loans Charged-off:Construction & development | 0.1389% | 567 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5203% | 491 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1673% | 1,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1715% | 1,180 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1294% | 1,718 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1787% | 1,959 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1827% | 626 |
| 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 | 0.1619% | 4,116 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0299% | 2,825 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0640% | 1,074 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0132% | 2,878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0135% | 2,716 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2766% | 3,350 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9299% | 2,467 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1285% | 4,119 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1432% | 4,011 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0807% | 5,558 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1057% | 5,377 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1587% | 4,700 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2254% | 3,576 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0012% | 8,902 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2132% | 5,205 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0073% | 11,020 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |