Home > First National Bank & Trust Company of Columbus > Net charge- offs to loans
First National Bank & Trust Company of Columbus, Net charge- offs to loans
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0284% | 4,856 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0239% | 4,104 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1047% | 2,957 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,420 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1215% | 2,721 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0303% | 2,908 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0352% | 4,069 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0352% | 3,931 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0309% | 1,355 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0316% | 4,498 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0320% | 3,701 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1371% | 2,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1582% | 2,237 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0397% | 2,515 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0461% | 5,644 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0461% | 5,577 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0342% | 1,239 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0326% | 4,228 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0478% | 3,227 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2014% | 1,996 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2317% | 1,786 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0267% | 5,083 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0905% | 3,136 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0905% | 2,985 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0297% | 1,127 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0148% | 3,851 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0140% | 2,913 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0587% | 2,252 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0674% | 2,071 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0139% | 4,922 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0445% | 5,489 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0445% | 5,425 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0250% | 919 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0144% | 5,709 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0190% | 6,618 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,215 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0721% | 6,754 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0820% | 6,739 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0757% | 5,964 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1788% | 3,544 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1788% | 3,376 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0531% | 1,379 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0080% | 5,611 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0243% | 6,672 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0903% | 6,840 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1025% | 6,841 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0960% | 6,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1425% | 3,467 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1425% | 3,298 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0515% | 1,247 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0204% | 6,435 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0382% | 6,750 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1399% | 6,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1588% | 6,921 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2098% | 6,315 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0954% | 6,023 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0954% | 5,940 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0484% | 1,104 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0181% | 6,149 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0730% | 6,863 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2671% | 7,031 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3036% | 7,031 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0127% | 5,333 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1873% | 6,125 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1873% | 6,047 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0432% | 868 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0380% | 5,936 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0260% | 5,329 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,917 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,614 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0894% | 4,150 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1018% | 3,934 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0339% | 6,235 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3297% | 3,428 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2971% | 3,286 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0411% | 1,517 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0240% | 5,811 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 5,230 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,635 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,145 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,497 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,317 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0422% | 6,185 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2652% | 3,387 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2337% | 3,242 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0411% | 1,381 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0264% | 5,452 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,843 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,304 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,658 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,039 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,832 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0428% | 6,155 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1146% | 3,695 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0974% | 3,550 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0602% | 1,169 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0317% | 4,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,921 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0440% | 6,040 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1527% | 2,983 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1213% | 2,838 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0679% | 864 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0692% | 6,108 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0027% | 7,241 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0090% | 7,228 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0102% | 7,215 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0388% | 6,681 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4462% | 3,597 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1032% | 1,607 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0425% | 6,116 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 5,509 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0160% | 4,500 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0182% | 4,289 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0385% | 6,655 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2364% | 4,075 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0665% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0371% | 5,839 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0217% | 7,419 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0723% | 7,494 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0816% | 7,487 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0435% | 6,625 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2954% | 3,539 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0631% | 1,351 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0038% | 6,795 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0687% | 7,566 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2307% | 7,655 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2601% | 7,651 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0225% | 6,453 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,892 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0666% | 1,065 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.7637% | 483 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0774% | 5,025 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2556% | 2,965 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2855% | 2,703 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6830% | 828 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.2375% | 109 |
| Percentage Net Loans Charged-off: Credit card loans | 15.4781% | 65 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1176% | 1,765 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.3608% | 458 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0295% | 5,046 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0973% | 3,504 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1084% | 3,231 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2690% | 739 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.5566% | 131 |
| Percentage Net Loans Charged-off: Credit card loans | 13.3444% | 90 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1071% | 1,563 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.0799% | 534 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,882 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,865 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9344% | 731 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.2374% | 156 |
| Percentage Net Loans Charged-off: Credit card loans | 11.6388% | 112 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0895% | 1,408 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4886% | 566 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3457% | 663 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.2804% | 213 |
| Percentage Net Loans Charged-off: Credit card loans | 9.1341% | 174 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1144% | 1,046 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9026% | 576 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3232% | 2,231 |
| Percentage Net Loans Charged-off:Construction & development | 8.9746% | 233 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0478% | 3,466 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0526% | 3,194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3701% | 1,479 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3972% | 248 |
| Percentage Net Loans Charged-off: Credit card loans | 6.5279% | 178 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0940% | 1,575 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8262% | 416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4365% | 1,306 |
| Percentage Net Loans Charged-off:Construction & development | 11.9062% | 88 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0645% | 2,667 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0710% | 2,425 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0407% | 1,293 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0545% | 217 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0796% | 176 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0882% | 1,359 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5636% | 400 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3235% | 1,273 |
| Percentage Net Loans Charged-off:Construction & development | 8.8175% | 137 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9855% | 1,073 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3291% | 270 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2158% | 230 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0683% | 1,227 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3991% | 372 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6619% | 512 |
| Percentage Net Loans Charged-off:Construction & development | 17.8195% | 30 |
| 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 | 0.9008% | 861 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4422% | 380 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1754% | 287 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0798% | 925 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7284% | 707 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,242 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| 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 | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7842% | 1,422 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9658% | 658 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3785% | 513 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1217% | 1,326 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7233% | 500 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,385 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| 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 | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5707% | 1,376 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0260% | 543 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4723% | 467 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1379% | 1,124 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9856% | 332 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| 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 | 0.5654% | 1,147 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9241% | 294 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6315% | 283 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1172% | 1,058 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1070% | 284 |
| 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 | 0.6493% | 775 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2452% | 275 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0807% | 264 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1345% | 769 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2787% | 211 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1721% | 869 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5479% | 216 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7457% | 194 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1027% | 1,246 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2720% | 170 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| 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 | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0363% | 758 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6042% | 186 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8491% | 180 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0888% | 1,138 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3950% | 157 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| 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 | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1215% | 698 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.9660% | 182 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4326% | 161 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0690% | 1,033 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6173% | 139 |
| 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 | 1.4447% | 473 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5101% | 185 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2634% | 167 |
| 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 | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2963% | 93 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0365% | 2,251 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1220% | 1,242 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1442% | 1,106 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0463% | 577 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4511% | 113 |
| Percentage Net Loans Charged-off: Credit card loans | 7.2843% | 145 |
| 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 | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4082% | 84 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0492% | 1,696 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1669% | 858 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1992% | 744 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0881% | 487 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.6327% | 109 |
| Percentage Net Loans Charged-off: Credit card loans | 7.5460% | 128 |
| 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 | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7684% | 83 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0745% | 1,228 |
| 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 | 0.2562% | 560 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3075% | 488 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9700% | 530 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.5603% | 86 |
| Percentage Net Loans Charged-off: Credit card loans | 8.7240% | 118 |
| 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 | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.6586% | 50 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0303% | 1,358 |
| 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 | 0.1039% | 882 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1251% | 773 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1907% | 421 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.7416% | 60 |
| Percentage Net Loans Charged-off: Credit card loans | 11.6638% | 90 |
| 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 | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9594% | 159 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0058% | 7,965 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| 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 | -0.0207% | 8,246 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0257% | 8,275 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8532% | 801 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.9729% | 228 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9549% | 343 |
| 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 | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.1737% | 83 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0078% | 7,998 |
| 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 | -0.0283% | 8,315 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0355% | 8,360 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8018% | 698 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.6271% | 87 |
| Percentage Net Loans Charged-off: Credit card loans | 8.1808% | 160 |
| 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 | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.3369% | 78 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0071% | 7,959 |
| 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 | -0.0261% | 8,312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0329% | 8,356 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5692% | 704 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.9110% | 87 |
| Percentage Net Loans Charged-off: Credit card loans | 8.4521% | 143 |
| 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 | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.2873% | 99 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0049% | 7,958 |
| 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 | -0.0180% | 8,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0230% | 8,333 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0120% | 6,943 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.8680% | 132 |
| Percentage Net Loans Charged-off: Credit card loans | 8.2820% | 184 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6245% | 132 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0158% | 3,410 |
| 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 | 0.0559% | 2,283 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0678% | 2,050 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0842% | 4,203 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.1713% | 168 |
| Percentage Net Loans Charged-off: Credit card loans | 5.9371% | 299 |
| 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 | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.0049% | 107 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0081% | 3,120 |
| 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 | 0.0283% | 2,289 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0339% | 2,112 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1184% | 3,457 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.9168% | 122 |
| Percentage Net Loans Charged-off: Credit card loans | 6.7771% | 247 |
| 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 | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9801% | 105 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| 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 | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1749% | 2,776 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.9078% | 129 |
| Percentage Net Loans Charged-off: Credit card loans | 6.7415% | 262 |
| 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 | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6995% | 145 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4051% | 190 |
| Percentage Net Loans Charged-off: Credit card loans | 6.1556% | 348 |
| 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 | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5138% | 176 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0642% | 4,468 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0239% | 183 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7338% | 393 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0552% | 1,763 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7336% | 163 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| 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 | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3567% | 3,081 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.2569% | 166 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0170% | 321 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6833% | 873 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2651% | 180 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1293% | 198 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0047% | 1,278 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4250% | 71 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4781% | 61 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0040% | 1,034 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.4853% | 63 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1134% | 136 |
| 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 | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7704% | 135 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0053% | 1,298 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0158% | 1,253 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0618% | 866 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4475% | 41 |
| Percentage Net Loans Charged-off: Credit card loans | 6.1273% | 101 |
| 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 | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9976% | 160 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0122% | 1,295 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0329% | 1,228 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0758% | 818 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.8876% | 40 |
| Percentage Net Loans Charged-off: Credit card loans | 6.6617% | 86 |
| 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 | 3.0554% | 135 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0044% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0111% | 1,154 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,009 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0090% | 872 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.7339% | 50 |
| Percentage Net Loans Charged-off: Credit card loans | 6.4935% | 114 |
| 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 | 2.4927% | 197 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 878 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0372% | 612 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0421% | 551 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0237% | 1,185 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5787% | 62 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1977% | 177 |
| 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 | 1.7527% | 284 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,049 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0529% | 709 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1761% | 74 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6510% | 208 |
| 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 | 1.6406% | 353 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,087 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,024 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4236% | 376 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0271% | 65 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4560% | 162 |
| 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 | 1.8248% | 551 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0349% | 982 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1134% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,114 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 929 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3801% | 83 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8510% | 185 |
| 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 | 1.8816% | 846 |
| 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 |