Home > First National Bank > Net charge- offs to loans
First National Bank, Net charge- offs to loans
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1934% | 437 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0311% | 328 |
| Percentage Net Loans Charged-off:Construction & development | 4.3488% | 165 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6309% | 567 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2280% | 410 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| 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 | 0.5453% | 986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3289% | 883 |
| Percentage Net Loans Charged-off:Construction & development | 1.3131% | 346 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0070% | 7,793 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0088% | 7,811 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0602% | 611 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4435% | 1,025 |
| 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 | 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 | 0.5284% | 752 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4366% | 389 |
| Percentage Net Loans Charged-off:Construction & development | 1.7333% | 159 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0093% | 7,755 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0116% | 7,763 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8429% | 1,039 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2992% | 1,034 |
| 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 | 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 | 0.1220% | 2,472 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0094% | 2,450 |
| Percentage Net Loans Charged-off:Construction & development | 0.0374% | 661 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3001% | 1,596 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1937% | 1,047 |
| 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 | 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 | 0.0974% | 2,236 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7680% | 708 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4447% | 2,287 |
| 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 | 0.1886% | 2,089 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0883% | 1,441 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0854% | 828 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9650% | 71 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0306% | 2,269 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0375% | 2,032 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7839% | 1,223 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5863% | 2,517 |
| 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% | 1,606 |
| 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 | 0.1315% | 2,234 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0160% | 2,340 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0336% | 1,850 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0412% | 1,651 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8454% | 905 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5477% | 2,356 |
| 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 | 0.1661% | 1,752 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0241% | 1,836 |
| 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 | 0.0502% | 1,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0613% | 1,238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0845% | 714 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6296% | 1,978 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0527% | 2,777 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6730% | 1,780 |
| 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 | 0.0694% | 4,316 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0399% | 2,163 |
| Percentage Net Loans Charged-off:Construction & development | 0.0098% | 630 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0205% | 8,095 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0931% | 1,493 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1101% | 1,327 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1725% | 7,762 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7043% | 2,701 |
| 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 | 0.0187% | 5,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 3,019 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0271% | 8,136 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0182% | 2,236 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0214% | 2,042 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2220% | 7,777 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5243% | 3,018 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.0461% | 3,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0074% | 2,324 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0154% | 1,916 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0182% | 1,751 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0323% | 7,039 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5562% | 2,650 |
| 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 | 0.0683% | 2,894 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0131% | 1,573 |
| 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 | 0.0274% | 1,284 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0322% | 1,141 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0541% | 7,206 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8025% | 1,854 |
| 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 | 0.1645% | 3,179 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0133% | 3,293 |
| Percentage Net Loans Charged-off:Construction & development | 0.0160% | 678 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0233% | 2,667 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0290% | 558 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0222% | 2,547 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6814% | 1,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0048% | 2,036 |
| 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% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1417% | 3,011 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0120% | 2,869 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0249% | 2,222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0392% | 435 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0223% | 2,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4837% | 1,784 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9966% | 1,876 |
| 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% | 1,414 |
| 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 | 0.1873% | 2,363 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0184% | 2,271 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0383% | 1,721 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0597% | 336 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0343% | 1,667 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9399% | 1,105 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8753% | 2,134 |
| 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% | 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 | 0.1023% | 2,861 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0163% | 8,237 |
| 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 | -0.0335% | 8,423 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2157% | 5,966 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4677% | 1,225 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8067% | 2,181 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0606% | 5,616 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0045% | 8,083 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0088% | 8,319 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0328% | 537 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0158% | 8,416 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2029% | 3,636 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5691% | 3,909 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| 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 | 0.0681% | 4,950 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0126% | 8,303 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0248% | 8,498 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0247% | 443 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0328% | 8,548 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3451% | 2,595 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5504% | 3,618 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0360% | 5,319 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0231% | 8,495 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0453% | 8,651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0298% | 365 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0573% | 8,697 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1410% | 2,900 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5472% | 3,388 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0617% | 3,950 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0021% | 8,085 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0041% | 8,326 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0451% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0120% | 8,464 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2994% | 1,693 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4215% | 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% | 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 | 0.0384% | 6,422 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0579% | 8,890 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3288% | 8,953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1069% | 1,600 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0189% | 568 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1228% | 1,450 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1420% | 8,248 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0942% | 2,137 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9716% | 1,275 |
| 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 | 0.3758% | 2,168 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0199% | 3,117 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0196% | 2,693 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0232% | 2,493 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2804% | 1,482 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3314% | 1,525 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6878% | 992 |
| 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 | 0.1465% | 3,826 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0064% | 1,336 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0113% | 1,399 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0135% | 1,409 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3608% | 548 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4678% | 810 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1205% | 472 |
| 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 | 0.2531% | 2,670 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0151% | 770 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0869% | 216 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0166% | 1,411 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0196% | 1,420 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7657% | 268 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3574% | 937 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0666% | 775 |
| 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 | 0.2501% | 2,884 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0210% | 690 |
| 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 | 0.0367% | 568 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1224% | 204 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0238% | 601 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6845% | 261 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5580% | 796 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9016% | 631 |
| 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 | 0.1565% | 4,430 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0856% | 387 |
| Percentage Net Loans Charged-off:Construction & development | -0.0288% | 1,260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0276% | 1,212 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1525% | 219 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1704% | 182 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0519% | 782 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5070% | 891 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7931% | 711 |
| 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 | 0.1555% | 4,752 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0218% | 769 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0493% | 428 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0212% | 1,338 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0164% | 807 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0183% | 746 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2160% | 551 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5390% | 867 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5519% | 508 |
| 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 | 0.0538% | 6,833 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0342% | 1,401 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0245% | 1,258 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0191% | 1,318 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0471% | 1,483 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0539% | 1,482 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0233% | 1,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3756% | 894 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9408% | 837 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0076% | 8,633 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0990% | 1,429 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3775% | 1,418 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0110% | 1,300 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0355% | 664 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1693% | 175 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0147% | 815 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3717% | 778 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3636% | 337 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3561% | 3,665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1661% | 617 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5899% | 366 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0184% | 1,426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0216% | 1,431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2547% | 326 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4089% | 832 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6106% | 604 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4996% | 4,257 |
| 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 |