Home > Citizens Bank > Net charge- offs to loans
Citizens Bank, Net charge- offs to loans
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0563% | 4,101 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0573% | 3,355 |
| Percentage Net Loans Charged-off:Construction & development | -2.3400% | 6,151 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1141% | 1,764 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1076% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1113% | 2,661 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1204% | 2,484 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0124% | 4,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6488% | 1,555 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6488% | 1,437 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0340% | 5,699 |
| 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 | 0.0766% | 3,617 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0958% | 2,772 |
| Percentage Net Loans Charged-off:Construction & development | -2.3009% | 6,179 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1664% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1712% | 327 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1537% | 2,232 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1659% | 2,056 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2891% | 2,349 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2891% | 2,193 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0515% | 5,742 |
| 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 | -0.0033% | 5,208 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,055 |
| Percentage Net Loans Charged-off:Construction & development | -2.0851% | 6,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3061% | 211 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0197% | 6,102 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0213% | 6,122 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0295% | 1,602 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1505% | 2,446 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1505% | 2,303 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1083% | 5,893 |
| 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 | 0.6037% | 1,924 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9129% | 1,112 |
| Percentage Net Loans Charged-off:Construction & development | 10.3626% | 227 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0694% | 2,831 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1368% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4965% | 1,798 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1217% | 5,080 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5581% | 1,569 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2610% | 2,608 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2560% | 6,494 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2560% | 6,443 |
| Percentage Net Loans Charged-off: All other loans and lease | -1.3338% | 6,371 |
| 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 | 0.5518% | 1,952 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9044% | 1,091 |
| Percentage Net Loans Charged-off:Construction & development | 6.1081% | 459 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0212% | 2,755 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.8245% | 239 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7008% | 1,277 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1208% | 5,110 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7867% | 1,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2542% | 2,348 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3510% | 6,607 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3510% | 6,553 |
| Percentage Net Loans Charged-off: All other loans and lease | -1.7581% | 6,436 |
| 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 | 0.9987% | 1,113 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2565% | 755 |
| Percentage Net Loans Charged-off:Construction & development | 1.2013% | 1,205 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0237% | 2,357 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.1081% | 166 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9812% | 374 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1818% | 5,157 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2167% | 338 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3317% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4630% | 6,655 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4630% | 6,602 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0851% | 1,021 |
| 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 | 0.9932% | 1,045 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2206% | 763 |
| Percentage Net Loans Charged-off:Construction & development | 1.5652% | 819 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0615% | 1,551 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.2046% | 93 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4109% | 1,628 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3551% | 5,214 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4981% | 1,367 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5475% | 1,230 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5442% | 6,653 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5442% | 6,598 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0345% | 892 |
| 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 | 1.2105% | 1,387 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2543% | 1,270 |
| Percentage Net Loans Charged-off:Construction & development | 11.3937% | 371 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0755% | 3,211 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0888% | 589 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2476% | 984 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9667% | 860 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2840% | 965 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7030% | 1,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1520% | 4,222 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1400% | 4,057 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2821% | 1,019 |
| 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 | 1.2170% | 1,283 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1963% | 1,224 |
| Percentage Net Loans Charged-off:Construction & development | 12.8635% | 287 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0883% | 2,719 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.4073% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6647% | 1,659 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5616% | 1,038 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6786% | 1,585 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0184% | 1,055 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0489% | 6,342 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0441% | 6,279 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3662% | 853 |
| 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 | 1.6073% | 911 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5147% | 916 |
| Percentage Net Loans Charged-off:Construction & development | 15.0319% | 248 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0683% | 2,397 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1222% | 322 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0579% | 1,108 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8165% | 795 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0917% | 1,049 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9763% | 710 |
| 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 | 0.5173% | 676 |
| 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 | 1.9774% | 645 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3980% | 873 |
| Percentage Net Loans Charged-off:Construction & development | 6.5814% | 498 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0482% | 1,777 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.3159% | 162 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8933% | 542 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5013% | 729 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0922% | 479 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.7992% | 331 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1386% | 3,029 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1129% | 2,880 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9872% | 393 |
| 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 | 1.4734% | 1,499 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7985% | 1,063 |
| Percentage Net Loans Charged-off:Construction & development | 6.9493% | 914 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8713% | 1,441 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.0269% | 211 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2939% | 3,006 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3334% | 2,757 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9310% | 2,640 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5331% | 3,315 |
| 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 | 0.1149% | 1,577 |
| 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 | 1.5783% | 1,256 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8842% | 922 |
| Percentage Net Loans Charged-off:Construction & development | 3.8867% | 1,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1786% | 996 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.3284% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4100% | 2,338 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4640% | 2,110 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1841% | 2,030 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5747% | 2,940 |
| 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 | 0.1518% | 1,347 |
| 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 | 1.9119% | 969 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6671% | 561 |
| Percentage Net Loans Charged-off:Construction & development | 5.2882% | 956 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5378% | 706 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.1036% | 89 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4956% | 1,915 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5591% | 1,698 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1622% | 3,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2227% | 3,808 |
| 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 | 0.1907% | 1,116 |
| 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 | 0.5572% | 2,411 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8891% | 1,494 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5138% | 369 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1207% | 2,552 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1361% | 2,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4321% | 7,242 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1064% | 6,675 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3154% | 809 |
| 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 | 0.3874% | 4,270 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3282% | 3,503 |
| Percentage Net Loans Charged-off:Construction & development | 2.1256% | 2,031 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0729% | 3,005 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1107% | 3,876 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1236% | 3,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2396% | 2,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3280% | 4,681 |
| 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 | -1.0821% | 7,038 |
| 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 | 0.2947% | 4,182 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0805% | 4,493 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0983% | 2,310 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1608% | 3,062 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1791% | 2,783 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3585% | 2,001 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4874% | 3,775 |
| 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 | -0.7799% | 7,054 |
| 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 | -0.1046% | 7,956 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0924% | 3,850 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1564% | 1,650 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1355% | 2,790 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1508% | 2,537 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2233% | 7,470 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6254% | 3,155 |
| 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 | -1.2505% | 7,097 |
| 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 | 0.0894% | 4,276 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0878% | 2,986 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2750% | 1,651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3054% | 1,475 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0092% | 6,756 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4567% | 1,538 |
| 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 | 1.2706% | 940 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9746% | 946 |
| Percentage Net Loans Charged-off:Construction & development | 7.0394% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0265% | 2,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1159% | 2,711 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0968% | 2,744 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1069% | 1,701 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1021% | 5,475 |
| 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 | 3.6998% | 372 |
| 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 | 0.4204% | 1,969 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0420% | 3,648 |
| Percentage Net Loans Charged-off:Construction & development | 0.0304% | 2,144 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0310% | 1,534 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0892% | 2,423 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4105% | 617 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0562% | 2,566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4764% | 984 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1875% | 4,527 |
| 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 | 0.5372% | 1,310 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0039% | 3,719 |
| Percentage Net Loans Charged-off:Construction & development | 0.0455% | 1,587 |
| 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 | -0.0064% | 7,728 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0693% | 5,997 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9337% | 641 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0403% | 7,240 |
| 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 | 1.0510% | 509 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0039% | 7,664 |
| 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 | -0.0129% | 7,825 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0143% | 7,820 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6469% | 269 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2541% | 2,146 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4372% | 650 |
| Percentage Net Loans Charged-off:Construction & development | 2.3577% | 194 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0398% | 1,335 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1552% | 1,477 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1693% | 1,339 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0987% | 3,236 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0808% | 7,686 |
| 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 | -0.0801% | 7,123 |
| 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 | 0.3251% | 1,226 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5414% | 305 |
| Percentage Net Loans Charged-off:Construction & development | 2.9341% | 91 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0537% | 8,033 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1987% | 922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2164% | 819 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1061% | 2,592 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3261% | 7,978 |
| 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 | -0.1060% | 7,160 |
| 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 | 0.4940% | 723 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8158% | 163 |
| Percentage Net Loans Charged-off:Construction & development | 4.0578% | 44 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0829% | 8,115 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3174% | 555 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3450% | 498 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1871% | 1,868 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7036% | 8,165 |
| 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 | -0.1532% | 7,193 |
| 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 | 0.1105% | 2,082 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0777% | 1,006 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1701% | 8,225 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4434% | 343 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4810% | 309 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4465% | 947 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6651% | 8,063 |
| 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 | -0.2953% | 7,248 |
| 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 | 0.0236% | 5,190 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0204% | 2,697 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0663% | 895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0033% | 2,847 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0036% | 2,636 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0624% | 7,365 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5062% | 2,857 |
| 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 | 0.1174% | 1,219 |
| 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 | 0.0198% | 4,769 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0083% | 2,592 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0242% | 853 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0044% | 2,358 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0049% | 2,174 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0228% | 6,940 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5925% | 2,224 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0272% | 1,318 |
| 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 | 0.0214% | 4,281 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0148% | 2,036 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0467% | 617 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0067% | 1,914 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0075% | 1,779 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0083% | 6,635 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3804% | 2,807 |
| 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 | 0.0300% | 1,134 |
| 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 | 0.0024% | 4,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0043% | 1,569 |
| 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 | 0.0134% | 1,240 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0153% | 1,126 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0333% | 1,621 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3046% | 7,634 |
| 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 | 0.3199% | 1,443 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0436% | 2,092 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0696% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0740% | 1,692 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0851% | 1,536 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4013% | 2,129 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7985% | 2,375 |
| 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 | 1.2619% | 511 |
| 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 | 0.4155% | 934 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0591% | 1,558 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0926% | 650 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1000% | 1,247 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1153% | 1,120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5423% | 1,463 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5845% | 2,789 |
| 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 | 1.6869% | 372 |
| 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 | 0.0613% | 3,622 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0506% | 1,508 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1759% | 431 |
| 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 | 0.0047% | 2,850 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9186% | 1,721 |
| 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 | 0.0546% | 3,155 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1053% | 808 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3676% | 202 |
| 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 | -0.0093% | 6,793 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.1360% | 3,596 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1517% | 1,182 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2904% | 625 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2033% | 952 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2136% | 286 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2015% | 961 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1228% | 3,469 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2421% | 5,194 |
| 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 | 0.0639% | 1,418 |
| 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 | 0.1510% | 2,864 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1507% | 1,011 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3923% | 401 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1167% | 1,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2882% | 200 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0871% | 1,426 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1704% | 2,697 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2409% | 4,726 |
| 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 | 0.0867% | 1,168 |
| 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 | 0.0202% | 5,219 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0135% | 8,137 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2514% | 8,661 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1767% | 868 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4252% | 138 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1324% | 1,007 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0060% | 6,853 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4439% | 3,435 |
| 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 | 0.0956% | 1,000 |
| 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 | -0.0064% | 7,080 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0656% | 8,601 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5025% | 8,742 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2440% | 581 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2869% | 500 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5760% | 2,711 |
| 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 | 0.0764% | 787 |
| 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 | 0.0840% | 5,120 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0280% | 3,026 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0285% | 1,388 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0597% | 2,215 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0703% | 2,027 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0689% | 4,315 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2052% | 1,860 |
| 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 | 0.0077% | 1,838 |
| 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 | 0.1112% | 4,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0075% | 3,151 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0252% | 1,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0994% | 3,567 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9132% | 835 |
| 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 | 0.0324% | 1,514 |
| 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 | 0.0581% | 4,772 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0083% | 2,688 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0280% | 874 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0722% | 7,755 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6084% | 1,146 |
| 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 | 0.0165% | 1,380 |
| 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 | 0.0000% | 5,539 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| 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 | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0856% | 7,910 |
| 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 | 0.0360% | 948 |
| 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 | 0.1044% | 5,060 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1268% | 1,578 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2749% | 716 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1411% | 1,344 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2826% | 6,033 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2166% | 1,011 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0291% | 4,704 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2120% | 5,935 |
| 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 | 0.0231% | 1,869 |
| 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 | 0.9882% | 706 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1598% | 122 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.2083% | 95 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2205% | 870 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8061% | 132 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1320% | 1,249 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0533% | 4,440 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1043% | 405 |
| 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 | 0.2911% | 2,309 |
| 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 | 0.0964% | 4,907 |
| 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 | 1.2324% | 450 |
| 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 | 0.1179% | 5,144 |
| 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 | 0.0612% | 6,678 |
| 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 | 0.0074% | 8,561 |
| 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 | 0.0902% | 5,940 |
| 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 | 0.0833% | 7,462 |
| 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 | -0.0692% | 12,842 |
| 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 |