Home > First National Bank > Net charge- offs to loans
First National Bank, Net charge- offs to loans
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7390% | 277 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7770% | 220 |
| Percentage Net Loans Charged-off:Construction & development | 1.4781% | 601 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2267% | 231 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0467% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4633% | 326 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 1.4633% | 338 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6392% | 623 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7033% | 576 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3758% | 424 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7302% | 513 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9397% | 246 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0595% | 203 |
| Percentage Net Loans Charged-off:Construction & development | 1.8381% | 448 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5170% | 202 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8591% | 174 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8136% | 249 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 1.8136% | 272 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7691% | 780 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0496% | 500 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9644% | 342 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0563% | 449 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6473% | 222 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6126% | 200 |
| Percentage Net Loans Charged-off:Construction & development | 4.2397% | 650 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4796% | 273 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.2844% | 153 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0496% | 841 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 1.0496% | 854 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4527% | 464 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8943% | 407 |
| Percentage Net Loans Charged-off: Credit card loans | 6.3094% | 99 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.6336% | 417 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7591% | 209 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6516% | 201 |
| Percentage Net Loans Charged-off:Construction & development | 3.9148% | 657 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5890% | 232 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.1013% | 114 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7237% | 1,231 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.7237% | 1,207 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.3450% | 347 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7296% | 414 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8979% | 158 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.5654% | 413 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7362% | 513 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3827% | 669 |
| Percentage Net Loans Charged-off:Construction & development | 1.9956% | 970 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1788% | 679 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.1027% | 167 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6369% | 1,385 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.6369% | 1,328 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.2372% | 301 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9569% | 399 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0652% | 156 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.7996% | 394 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2601% | 385 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6374% | 531 |
| Percentage Net Loans Charged-off:Construction & development | 1.4166% | 848 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1377% | 360 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.5249% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4762% | 1,506 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.4762% | 1,403 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.2586% | 185 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6139% | 756 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2304% | 190 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4202% | 750 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4045% | 537 |
| 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 | 1.5616% | 1,013 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3229% | 1,187 |
| Percentage Net Loans Charged-off:Construction & development | 2.0106% | 1,695 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5410% | 784 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5613% | 716 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2897% | 2,976 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2897% | 2,873 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0259% | 800 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.1152% | 193 |
| Percentage Net Loans Charged-off: Credit card loans | 6.1376% | 165 |
| Percentage Net Loans Charged-off: Other loans to individual | 5.9467% | 170 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0527% | 1,475 |
| 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 | 0.9001% | 1,777 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5256% | 2,332 |
| Percentage Net Loans Charged-off:Construction & development | 1.7861% | 1,594 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0290% | 2,985 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5506% | 616 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0883% | 3,830 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0883% | 3,677 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1565% | 701 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.6166% | 185 |
| Percentage Net Loans Charged-off: Credit card loans | 5.9104% | 174 |
| Percentage Net Loans Charged-off: Other loans to individual | 6.4332% | 150 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1227% | 1,163 |
| 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 | 1.1288% | 1,385 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6937% | 1,862 |
| Percentage Net Loans Charged-off:Construction & development | 2.3426% | 1,284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0199% | 2,567 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8078% | 460 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1157% | 3,302 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1157% | 3,129 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.3194% | 470 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3379% | 314 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7401% | 193 |
| Percentage Net Loans Charged-off: Other loans to individual | 4.0330% | 276 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0095% | 5,934 |
| 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 | 0.6378% | 1,930 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2090% | 2,714 |
| Percentage Net Loans Charged-off:Construction & development | 0.5826% | 1,335 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0196% | 6,936 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4729% | 337 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1795% | 2,335 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1795% | 2,181 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6501% | 522 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8775% | 362 |
| Percentage Net Loans Charged-off: Credit card loans | 6.8311% | 163 |
| Percentage Net Loans Charged-off: Other loans to individual | 3.3974% | 317 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0093% | 5,965 |
| 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 | 0.4529% | 3,803 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1870% | 4,300 |
| Percentage Net Loans Charged-off:Construction & development | 0.3485% | 2,975 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1275% | 3,087 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2568% | 941 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0919% | 4,182 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0919% | 4,023 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4977% | 2,002 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7227% | 496 |
| Percentage Net Loans Charged-off: Credit card loans | 6.3629% | 228 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.2435% | 412 |
| 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 | 0.4335% | 3,562 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1581% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.3180% | 2,715 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1013% | 2,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0771% | 842 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1121% | 3,669 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1121% | 3,515 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3701% | 1,867 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4320% | 513 |
| Percentage Net Loans Charged-off: Credit card loans | 7.2695% | 187 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.4685% | 309 |
| 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 | 0.5332% | 2,932 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1936% | 3,577 |
| Percentage Net Loans Charged-off:Construction & development | 0.3435% | 2,366 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1458% | 2,150 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1171% | 660 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1389% | 3,130 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1389% | 2,989 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8162% | 1,434 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4410% | 540 |
| Percentage Net Loans Charged-off: Credit card loans | 8.2829% | 164 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 5.2626% | 238 |
| 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 | 0.6556% | 2,186 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3656% | 2,367 |
| Percentage Net Loans Charged-off:Construction & development | 0.6486% | 1,626 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2933% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1584% | 413 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2336% | 2,174 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2336% | 2,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7187% | 1,183 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1783% | 636 |
| Percentage Net Loans Charged-off: Credit card loans | 7.5117% | 212 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.2130% | 263 |
| 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 | 0.3495% | 4,481 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1475% | 4,455 |
| Percentage Net Loans Charged-off:Construction & development | 0.2448% | 3,178 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0561% | 3,091 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0607% | 882 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1718% | 3,418 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1718% | 3,262 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3728% | 2,444 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5613% | 1,002 |
| Percentage Net Loans Charged-off: Credit card loans | 9.1255% | 178 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0162% | 6,642 |
| 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 | 0.3190% | 4,043 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1008% | 4,307 |
| Percentage Net Loans Charged-off:Construction & development | 0.1915% | 2,825 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0202% | 7,666 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0810% | 656 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1441% | 3,191 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1441% | 3,012 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5868% | 1,818 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7989% | 1,423 |
| Percentage Net Loans Charged-off: Credit card loans | 8.2447% | 207 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0157% | 6,643 |
| 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 | 0.3111% | 3,633 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0880% | 3,884 |
| Percentage Net Loans Charged-off:Construction & development | 0.1356% | 2,473 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0366% | 7,772 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1394% | 469 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1211% | 2,877 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1211% | 2,698 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5768% | 1,540 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8155% | 1,334 |
| Percentage Net Loans Charged-off: Credit card loans | 9.6662% | 174 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0205% | 6,679 |
| 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 | 0.2951% | 2,930 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0245% | 3,517 |
| Percentage Net Loans Charged-off:Construction & development | 0.0477% | 1,799 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0043% | 7,676 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1566% | 6,123 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1463% | 2,036 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.1463% | 1,875 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0107% | 944 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2656% | 1,742 |
| Percentage Net Loans Charged-off: Credit card loans | 11.6520% | 122 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3479% | 3,092 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2807% | 2,417 |
| Percentage Net Loans Charged-off:Construction & development | 0.2936% | 2,266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1238% | 1,655 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0646% | 505 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9065% | 684 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.9065% | 651 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8812% | 1,972 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6082% | 1,356 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2882% | 255 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.2410% | 7,295 |
| 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 | 0.3435% | 2,318 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2852% | 1,741 |
| Percentage Net Loans Charged-off:Construction & development | 0.1929% | 1,803 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1379% | 1,112 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0939% | 331 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0433% | 454 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 1.0433% | 419 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9090% | 1,420 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4907% | 1,206 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7206% | 383 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.8964% | 7,326 |
| 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 | 0.3035% | 2,122 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1418% | 2,049 |
| Percentage Net Loans Charged-off:Construction & development | 0.0644% | 1,540 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0137% | 1,245 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7843% | 514 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.7843% | 472 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8289% | 1,203 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7740% | 518 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6743% | 648 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4793% | 7,223 |
| 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 | 0.3636% | 1,413 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2185% | 1,181 |
| Percentage Net Loans Charged-off:Construction & development | 0.2462% | 795 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0035% | 800 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0761% | 295 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 1.0761% | 278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6299% | 1,057 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0806% | 439 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5973% | 713 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1762% | 824 |
| 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 | 0.2964% | 1,844 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1595% | 1,603 |
| Percentage Net Loans Charged-off:Construction & development | 0.0065% | 1,539 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2060% | 794 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1594% | 121 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0421% | 8,064 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0421% | 8,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8078% | 1,390 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9463% | 662 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,217 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0466% | 619 |
| 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 | 0.2538% | 1,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1028% | 1,460 |
| Percentage Net Loans Charged-off:Construction & development | 0.0085% | 1,053 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0984% | 715 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3413% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0765% | 8,136 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0765% | 8,097 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7688% | 1,125 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2062% | 1,114 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2677% | 475 |
| 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 | 0.2600% | 1,378 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0868% | 1,305 |
| Percentage Net Loans Charged-off:Construction & development | -0.0025% | 7,576 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0463% | 663 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0626% | 43 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2098% | 8,287 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.2098% | 8,257 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7904% | 925 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2634% | 981 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8446% | 369 |
| 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 | 0.2032% | 1,385 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0243% | 1,490 |
| Percentage Net Loans Charged-off:Construction & development | -0.0020% | 7,586 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1028% | 336 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2177% | 8,315 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.2177% | 8,276 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0102% | 607 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3637% | 911 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5420% | 523 |
| 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 | 0.3353% | 1,186 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0784% | 1,558 |
| Percentage Net Loans Charged-off:Construction & development | 0.0623% | 579 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0810% | 847 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0091% | 2,693 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0091% | 2,506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1813% | 861 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8833% | 605 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1669% | 367 |
| 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 | 0.1964% | 1,630 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0305% | 1,999 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0036% | 985 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0081% | 2,274 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0081% | 2,110 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7983% | 936 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7769% | 586 |
| 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 | 0.2373% | 916 |
| 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 | 0.2547% | 1,219 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0437% | 1,515 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0093% | 1,862 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0093% | 1,745 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0946% | 708 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7632% | 607 |
| 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 | 0.7518% | 531 |
| 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 | 0.3713% | 750 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0886% | 783 |
| 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 | -0.0051% | 7,856 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0051% | 7,863 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7403% | 408 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4523% | 868 |
| 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 | 1.7345% | 309 |
| 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 | 0.2753% | 1,718 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0026% | 7,640 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0009% | 7,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0075% | 7,969 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0075% | 7,947 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7504% | 1,453 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0338% | 629 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3167% | 334 |
| 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 | 0.1957% | 1,995 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0049% | 7,682 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0013% | 7,909 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0158% | 8,039 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0158% | 8,018 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3538% | 1,853 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0742% | 565 |
| 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 | 1.2486% | 457 |
| 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 | 0.2054% | 1,772 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0068% | 7,732 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0007% | 7,947 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0281% | 8,147 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0281% | 8,134 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1651% | 2,131 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5055% | 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 | 1.2920% | 389 |
| 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 | 0.2535% | 1,307 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 1,803 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0048% | 1,489 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0048% | 1,365 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1634% | 7,681 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1236% | 341 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.2442% | 238 |
| 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 | 0.3752% | 1,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0672% | 2,032 |
| Percentage Net Loans Charged-off:Construction & development | 0.0062% | 722 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1637% | 853 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3459% | 6,444 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0219% | 2,688 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0219% | 2,557 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0339% | 1,318 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5316% | 525 |
| 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 | 0.8538% | 633 |
| 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 | 0.3034% | 1,627 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0765% | 1,577 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2066% | 583 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5030% | 6,398 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0109% | 2,510 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0109% | 2,353 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2719% | 2,345 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4371% | 516 |
| 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 | 1.0843% | 479 |
| 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 | 0.1964% | 2,287 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1116% | 8,681 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1327% | 8,612 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.8265% | 6,365 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0075% | 2,155 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0075% | 2,020 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5003% | 1,586 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3971% | 573 |
| 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 | 1.1738% | 418 |
| 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 | 0.1488% | 2,355 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4192% | 8,876 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6555% | 8,754 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.8219% | 6,305 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0231% | 1,395 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0231% | 1,304 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0977% | 772 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8555% | 510 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4346% | 225 |
| 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 | 0.5516% | 1,323 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2130% | 1,047 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3639% | 598 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5639% | 88 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0309% | 2,689 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0309% | 2,576 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0982% | 855 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4107% | 1,493 |
| 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 | 0.0134% | 1,809 |
| 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 | 0.3488% | 1,869 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0033% | 3,351 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0064% | 8,439 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0081% | 6,459 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0234% | 2,369 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0234% | 2,272 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8013% | 845 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1887% | 1,763 |
| 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 | 0.0186% | 1,567 |
| 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 | 0.2785% | 2,168 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0017% | 2,896 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0087% | 8,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0198% | 2,044 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0198% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3184% | 1,063 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0599% | 1,948 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0379% | 1,321 |
| 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 | 0.0527% | 4,131 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0051% | 8,200 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0168% | 8,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0096% | 1,539 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0096% | 1,454 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0196% | 2,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6931% | 2,634 |
| 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 | 0.0841% | 875 |
| 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 | 0.6475% | 1,251 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1010% | 1,806 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2086% | 831 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0234% | 2,807 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0234% | 2,687 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6160% | 802 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7484% | 1,087 |
| 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 | -0.0757% | 7,713 |
| 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 | 0.4869% | 1,671 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0573% | 9,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1228% | 9,050 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2564% | 1,509 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2889% | 646 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2523% | 5,417 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0888% | 649 |
| 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 | 0.8668% | 682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1551% | 168 |
| Percentage Net Loans Charged-off:Construction & development | 0.0522% | 184 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0088% | 1,306 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0784% | 1,510 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0784% | 1,506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9380% | 260 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4169% | 278 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3148% | 129 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 9.3790% | 15 |
| 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 | 0.5599% | 1,191 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0141% | 786 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1822% | 139 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0791% | 1,484 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | -0.0791% | 1,482 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5405% | 362 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2932% | 161 |
| Percentage Net Loans Charged-off: Credit card loans | 9.1542% | 52 |
| 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 | 0.8734% | 727 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1020% | 281 |
| Percentage Net Loans Charged-off:Construction & development | 0.2535% | 80 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1458% | 1,350 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0491% | 489 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0491% | 457 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0783% | 154 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6799% | 148 |
| Percentage Net Loans Charged-off: Credit card loans | 5.9345% | 125 |
| 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 | 1.9043% | 259 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2793% | 114 |
| Percentage Net Loans Charged-off:Construction & development | -0.0285% | 1,259 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5136% | 88 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2602% | 110 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.2602% | 102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1771% | 39 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5620% | 84 |
| Percentage Net Loans Charged-off: Credit card loans | 8.4052% | 67 |
| 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 | 0.8511% | 909 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0212% | 1,353 |
| Percentage Net Loans Charged-off:Construction & development | -0.3508% | 1,403 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1246% | 333 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0140% | 838 |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0140% | 791 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5682% | 304 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4669% | 168 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2586% | 166 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6770% | 1,135 |
| 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 | 1.2132% | 565 |
| 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 | 0.6663% | 2,068 |
| 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 | 0.2689% | 6,358 |
| 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 |