Home > Citizens Financial Bank > Net charge- offs to loans
Citizens Financial Bank, Net charge- offs to loans
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6325% | 974 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6219% | 846 |
| Percentage Net Loans Charged-off:Construction & development | -0.0352% | 5,473 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4920% | 973 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3336% | 342 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9150% | 545 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4607% | 269 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7818% | 663 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4406% | 1,435 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,847 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,705 |
| Percentage Net Loans Charged-off: All other loans and lease | 16.7012% | 85 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3301% | 1,868 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3192% | 1,573 |
| Percentage Net Loans Charged-off:Construction & development | -0.0303% | 5,512 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0101% | 6,066 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4342% | 270 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6817% | 819 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1546% | 353 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5649% | 932 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1610% | 1,816 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0836% | 5,650 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0836% | 5,596 |
| Percentage Net Loans Charged-off: All other loans and lease | 12.8045% | 86 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3953% | 1,468 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3733% | 1,282 |
| Percentage Net Loans Charged-off:Construction & development | 1.1632% | 534 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1404% | 6,597 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3781% | 203 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8727% | 610 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2406% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7811% | 653 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3401% | 1,076 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5270% | 1,586 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5270% | 1,453 |
| Percentage Net Loans Charged-off: All other loans and lease | 13.0529% | 86 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6299% | 1,863 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6862% | 1,502 |
| Percentage Net Loans Charged-off:Construction & development | 3.7604% | 716 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4318% | 1,687 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7876% | 499 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6162% | 1,488 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8911% | 718 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5452% | 1,593 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0996% | 3,143 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.3551% | 6,851 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.3551% | 6,811 |
| Percentage Net Loans Charged-off: All other loans and lease | 8.1481% | 163 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6435% | 1,707 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6998% | 1,427 |
| Percentage Net Loans Charged-off:Construction & development | 3.5719% | 715 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4388% | 1,487 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9751% | 410 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6024% | 1,508 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9257% | 645 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5182% | 1,632 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1420% | 2,685 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.8385% | 6,961 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.8385% | 6,917 |
| Percentage Net Loans Charged-off: All other loans and lease | 6.3967% | 177 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7206% | 1,533 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7761% | 1,284 |
| Percentage Net Loans Charged-off:Construction & development | 3.5113% | 683 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7545% | 982 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0076% | 338 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4394% | 1,794 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1327% | 517 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2562% | 2,254 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2285% | 2,170 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.0587% | 218 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9615% | 1,074 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0223% | 915 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5426% | 480 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0364% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2533% | 2,022 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3919% | 761 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2164% | 2,000 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5091% | 1,274 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7131% | 297 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8533% | 783 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9524% | 681 |
| Percentage Net Loans Charged-off:Construction & development | 16.4238% | 207 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2391% | 489 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5208% | 732 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4460% | 2,393 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7507% | 1,019 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3610% | 2,567 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1391% | 1,847 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1198% | 6,659 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1111% | 6,614 |
| 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 | -0.7211% | 7,369 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.9580% | 7,334 |
| Percentage Net Loans Charged-off:Construction & development | 6.8895% | 642 |
| Percentage Net Loans Charged-off: Commercial real estate | -3.3237% | 7,248 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5596% | 612 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3642% | 2,413 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9728% | 766 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1931% | 3,035 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1422% | 1,637 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1698% | 6,700 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1555% | 6,655 |
| 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 | 0.4360% | 2,830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4459% | 2,426 |
| Percentage Net Loans Charged-off:Construction & development | 6.5617% | 648 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0247% | 2,539 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5383% | 506 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1794% | 2,980 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1645% | 1,284 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1836% | 2,814 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3739% | 2,368 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4279% | 6,984 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3894% | 6,975 |
| 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 | 0.4930% | 2,244 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5535% | 1,777 |
| Percentage Net Loans Charged-off:Construction & development | 9.3933% | 358 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1186% | 7,157 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0952% | 274 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0987% | 2,658 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3339% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0322% | 2,764 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0107% | 5,772 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3182% | 6,721 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2920% | 6,754 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7192% | 2,857 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6753% | 2,504 |
| Percentage Net Loans Charged-off:Construction & development | -2.8167% | 7,040 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6573% | 804 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0942% | 1,032 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4150% | 2,534 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5068% | 1,244 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3892% | 2,563 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1145% | 2,415 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1946% | 4,548 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6039% | 2,929 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5631% | 2,540 |
| Percentage Net Loans Charged-off:Construction & development | -4.1501% | 7,117 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5401% | 783 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1261% | 817 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5723% | 1,910 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6897% | 969 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5393% | 1,925 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9724% | 2,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4135% | 3,430 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7185% | 2,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6412% | 2,176 |
| Percentage Net Loans Charged-off:Construction & development | -5.9226% | 7,144 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2412% | 488 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0444% | 5,922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5071% | 1,889 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5748% | 902 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4882% | 1,848 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4164% | 1,675 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2178% | 3,825 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7242% | 2,051 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5274% | 1,992 |
| Percentage Net Loans Charged-off:Construction & development | -0.5555% | 7,099 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8536% | 840 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0884% | 5,979 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5691% | 1,456 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1465% | 517 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4069% | 1,657 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4291% | 936 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9417% | 1,879 |
| 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 | 2.3765% | 967 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4553% | 823 |
| Percentage Net Loans Charged-off:Construction & development | 4.9588% | 1,243 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.4950% | 277 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1170% | 840 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2048% | 1,106 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6215% | 267 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5286% | 1,927 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6627% | 2,148 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3603% | 4,562 |
| 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 | 2.9400% | 580 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0459% | 477 |
| Percentage Net Loans Charged-off:Construction & development | 4.6409% | 1,047 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.9129% | 130 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1645% | 606 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2504% | 884 |
| Percentage Net Loans Charged-off: Home equity loans | 3.7051% | 237 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5652% | 1,573 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9438% | 1,565 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4779% | 3,802 |
| 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 | 0.5124% | 2,789 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5608% | 1,999 |
| Percentage Net Loans Charged-off:Construction & development | 4.0432% | 966 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1098% | 1,801 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2640% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1748% | 2,601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2936% | 1,009 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1417% | 2,586 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0373% | 3,819 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7180% | 2,907 |
| 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 | 0.3669% | 2,628 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4050% | 1,804 |
| Percentage Net Loans Charged-off:Construction & development | 2.9226% | 797 |
| 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 | 0.2129% | 1,810 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0923% | 776 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2463% | 1,606 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0058% | 6,735 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,232 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 2.4728% | 393 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6677% | 260 |
| Percentage Net Loans Charged-off:Construction & development | 12.9515% | 131 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5553% | 319 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3468% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3920% | 801 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3345% | 1,541 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1117% | 3,954 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.4306% | 328 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5246% | 514 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6516% | 348 |
| Percentage Net Loans Charged-off:Construction & development | 5.4851% | 295 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8644% | 171 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1654% | 1,888 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5244% | 537 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0684% | 2,449 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0166% | 6,999 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2063% | 4,431 |
| 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 | 1.4455% | 434 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5649% | 296 |
| Percentage Net Loans Charged-off:Construction & development | 4.8389% | 254 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7527% | 166 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2208% | 1,368 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6568% | 400 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1028% | 1,771 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0214% | 6,940 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2900% | 3,643 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2076% | 2,094 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2244% | 1,169 |
| Percentage Net Loans Charged-off:Construction & development | 0.3300% | 730 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0187% | 7,944 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4413% | 667 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3123% | 182 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2049% | 953 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0071% | 6,737 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2676% | 3,116 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.6638% | 787 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6803% | 395 |
| Percentage Net Loans Charged-off:Construction & development | 0.5887% | 614 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2376% | 200 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5910% | 103 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0655% | 2,233 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2963% | 457 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0004% | 3,105 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4324% | 2,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4932% | 3,097 |
| 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 | 0.1668% | 2,288 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1370% | 1,201 |
| Percentage Net Loans Charged-off:Construction & development | 0.7849% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0449% | 8,018 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0515% | 1,874 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2305% | 379 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0006% | 2,484 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6084% | 1,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6145% | 2,270 |
| 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 | 0.2034% | 1,693 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2056% | 736 |
| Percentage Net Loans Charged-off:Construction & development | 1.1849% | 157 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0677% | 8,096 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0772% | 1,338 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3426% | 251 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0008% | 1,957 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1183% | 2,109 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0397% | 1,230 |
| 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 | -0.0284% | 7,454 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0452% | 8,151 |
| Percentage Net Loans Charged-off:Construction & development | -0.0530% | 7,667 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1348% | 8,211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0367% | 1,200 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1549% | 272 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0017% | 1,337 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3110% | 1,115 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1490% | 7,237 |
| 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 | 0.1426% | 2,581 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1348% | 1,057 |
| Percentage Net Loans Charged-off:Construction & development | -0.0310% | 7,749 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2431% | 499 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5617% | 97 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0497% | 1,989 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0797% | 506 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0389% | 2,015 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2475% | 2,287 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3211% | 3,769 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| 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 | 0.2174% | 1,477 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2223% | 503 |
| Percentage Net Loans Charged-off:Construction & development | -0.0407% | 7,767 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4545% | 271 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7408% | 63 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0519% | 1,599 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1038% | 356 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0326% | 1,749 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1639% | 2,099 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0336% | 5,087 |
| 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 | 0.0091% | 4,816 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0251% | 1,816 |
| Percentage Net Loans Charged-off:Construction & development | -0.0237% | 7,723 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0736% | 1,205 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1412% | 253 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0472% | 1,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2271% | 7,715 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3361% | 3,002 |
| 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 | -0.0170% | 7,105 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0235% | 1,273 |
| Percentage Net Loans Charged-off:Construction & development | -0.0477% | 7,720 |
| 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 | 0.0807% | 842 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2170% | 158 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0257% | 1,043 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6664% | 8,043 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9254% | 1,377 |
| 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 | 0.1804% | 2,507 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1365% | 1,004 |
| Percentage Net Loans Charged-off:Construction & development | -0.0565% | 7,822 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2364% | 522 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1366% | 1,149 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1703% | 314 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1234% | 1,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8235% | 1,355 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1623% | 5,304 |
| 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 | 0.1024% | 3,100 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0505% | 1,677 |
| Percentage Net Loans Charged-off:Construction & development | -0.0764% | 7,826 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0320% | 8,160 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1797% | 801 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2280% | 218 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1609% | 897 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8828% | 1,081 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0228% | 7,517 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.0246% | 4,606 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0115% | 2,221 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0183% | 8,127 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0445% | 1,552 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0579% | 343 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0394% | 1,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2261% | 1,923 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0652% | 7,459 |
| 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 | 0.0493% | 3,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0223% | 1,455 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0368% | 8,325 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0870% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1037% | 224 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0806% | 921 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4738% | 1,054 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1233% | 7,401 |
| 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 | 0.7964% | 600 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7209% | 208 |
| Percentage Net Loans Charged-off:Construction & development | 0.8862% | 156 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6219% | 150 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0321% | 2,481 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0034% | 5,945 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0425% | 2,204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8834% | 782 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0414% | 222 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0339% | 370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9385% | 113 |
| Percentage Net Loans Charged-off:Construction & development | 1.3038% | 103 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1364% | 88 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0250% | 8,274 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0048% | 5,930 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0306% | 8,320 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6500% | 468 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.1845% | 211 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3862% | 1,219 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3865% | 397 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1271% | 168 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0400% | 8,422 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0076% | 5,921 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0483% | 8,449 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0093% | 6,876 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7591% | 272 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| 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 | -0.0012% | 6,901 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0210% | 8,302 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0508% | 8,511 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0630% | 8,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0199% | 7,005 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0039% | 218 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| 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 | 0.0567% | 5,718 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0282% | 3,015 |
| Percentage Net Loans Charged-off:Construction & development | 0.0905% | 609 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0552% | 1,274 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0064% | 8,265 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0075% | 8,289 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1062% | 4,077 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.1198% | 65 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| 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 | 0.0417% | 5,548 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0163% | 2,860 |
| Percentage Net Loans Charged-off:Construction & development | 0.1208% | 445 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0100% | 4,119 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.9205% | 63 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| 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 | 0.0370% | 5,293 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0114% | 2,581 |
| Percentage Net Loans Charged-off:Construction & development | 0.0841% | 399 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0144% | 3,490 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.8964% | 60 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| 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 | -0.0004% | 7,306 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0306% | 8,638 |
| Percentage Net Loans Charged-off:Construction & development | -0.2259% | 7,988 |
| 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 | -0.0195% | 7,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.5382% | 61 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 | 0.1027% | 5,096 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0033% | 8,188 |
| Percentage Net Loans Charged-off:Construction & development | 0.0066% | 843 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0411% | 1,291 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0045% | 182 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0243% | 8,676 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0116% | 588 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0276% | 8,697 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6779% | 784 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0762% | 269 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,947 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0555% | 6,006 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0248% | 2,966 |
| Percentage Net Loans Charged-off:Construction & development | -0.0380% | 8,227 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2061% | 717 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0006% | 8,472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0006% | 8,499 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4147% | 1,357 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1668% | 9,129 |
| 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 | 0.2140% | 2,995 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2171% | 123 |
| Percentage Net Loans Charged-off:Construction & development | 2.3569% | 21 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0354% | 297 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0028% | 1,336 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0072% | 796 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0074% | 746 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4361% | 840 |
| Percentage Net Loans Charged-off: Credit card loans | 34.2466% | 20 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0020% | 7,850 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 922 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0057% | 914 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0059% | 864 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3555% | 1,525 |
| Percentage Net Loans Charged-off: Credit card loans | -5.0389% | 1,337 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0254% | 7,153 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0103% | 817 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0119% | 771 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3975% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0002% | 1,225 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9854% | 498 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5607% | 328 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0481% | 6,799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 961 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0036% | 945 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0038% | 892 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 888 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9465% | 134 |
| 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% | 386 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0012% | 8,788 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 1,029 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0015% | 1,027 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0015% | 980 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 891 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,371 |
| 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 | 0.0000% | 8,856 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0668% | 492 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0033% | 1,341 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0034% | 1,343 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0247% | 1,332 |
| 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 | 0.0123% | 8,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0105% | 973 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0122% | 881 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0125% | 834 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0948% | 1,182 |
| 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 | 0.1917% | 5,502 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1809% | 593 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 6.5941% | 31 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0005% | 1,336 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 1,332 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2415% | 1,037 |
| 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 | 0.0664% | 9,528 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0143% | 1,234 |
| Percentage Net Loans Charged-off:Construction & development | -0.1143% | 1,442 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0190% | 990 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0191% | 932 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,086 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9326% | 147 |
| 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 |