Home > Florida Bank > Net charge- offs to loans
Florida Bank, Net charge- offs to loans
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3734% | 6,361 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2965% | 6,301 |
| Percentage Net Loans Charged-off:Construction & development | -4.5833% | 5,915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0375% | 1,883 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2169% | 5,088 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0616% | 2,793 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1221% | 871 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0260% | 3,074 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3089% | 6,114 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6182% | 6,175 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6182% | 6,126 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.4126% | 6,432 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3173% | 6,385 |
| Percentage Net Loans Charged-off:Construction & development | -5.7490% | 5,970 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0613% | 1,475 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2407% | 5,140 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2185% | 1,401 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5140% | 382 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0426% | 2,581 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.6194% | 6,218 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4794% | 6,119 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4794% | 6,080 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.4652% | 6,505 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2946% | 6,434 |
| Percentage Net Loans Charged-off:Construction & development | -5.1605% | 5,984 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0755% | 1,207 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2889% | 5,169 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1848% | 1,532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8083% | 254 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1978% | 6,338 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.7336% | 6,320 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,292 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,146 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.4308% | 6,530 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4469% | 6,536 |
| Percentage Net Loans Charged-off:Construction & development | -5.3496% | 6,007 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1052% | 780 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4031% | 5,197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2541% | 6,435 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6906% | 263 |
| All other 1-4 family - Percent of loans charged-off, net | -0.8707% | 6,557 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3227% | 5,906 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1075% | 2,468 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1075% | 2,336 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3220% | 380 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1695% | 375 |
| Percentage Net Loans Charged-off:Construction & development | 4.6613% | 273 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6444% | 856 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8276% | 301 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4124% | 276 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0234% | 375 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7117% | 222 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9087% | 285 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2409% | 6,213 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2409% | 6,159 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| 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 | 1.7561% | 239 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8431% | 181 |
| Percentage Net Loans Charged-off:Construction & development | 9.7606% | 121 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2655% | 439 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1408% | 221 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2940% | 329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6463% | 551 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8068% | 202 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9049% | 978 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3131% | 6,251 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3131% | 6,200 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| 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 | 1.7899% | 264 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9031% | 202 |
| Percentage Net Loans Charged-off:Construction & development | 11.8604% | 108 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0599% | 507 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1797% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4264% | 336 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7661% | 485 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9643% | 230 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5114% | 1,241 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0571% | 5,555 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0571% | 5,496 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1159% | 213 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2308% | 176 |
| Percentage Net Loans Charged-off:Construction & development | 22.5835% | 54 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0504% | 432 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1890% | 114 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1108% | 6,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8354% | 363 |
| All other 1-4 family - Percent of loans charged-off, net | -0.8873% | 6,819 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9223% | 718 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1131% | 5,688 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1131% | 5,639 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8609% | 190 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.9886% | 151 |
| Percentage Net Loans Charged-off:Construction & development | 4.6230% | 602 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3347% | 301 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7020% | 348 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.2494% | 137 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5340% | 992 |
| All other 1-4 family - Percent of loans charged-off, net | 5.4602% | 55 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5364% | 1,037 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8665% | 1,570 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8665% | 1,451 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1967% | 1,051 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9120% | 189 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.9995% | 152 |
| Percentage Net Loans Charged-off:Construction & development | 2.0622% | 1,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4208% | 260 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9720% | 292 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5920% | 124 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0575% | 587 |
| All other 1-4 family - Percent of loans charged-off, net | 5.6488% | 62 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2302% | 705 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4451% | 2,303 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4451% | 2,147 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2579% | 871 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4369% | 296 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5564% | 250 |
| Percentage Net Loans Charged-off:Construction & development | 1.5213% | 1,097 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5091% | 546 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.6728% | 218 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3765% | 180 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8168% | 651 |
| All other 1-4 family - Percent of loans charged-off, net | 5.4845% | 83 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3101% | 1,049 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0993% | 6,043 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0993% | 5,964 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3797% | 700 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2542% | 806 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5785% | 560 |
| Percentage Net Loans Charged-off:Construction & development | 1.9646% | 751 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5080% | 965 |
| Percentage Net Loans Charged-off: Multi-family residential | 8.7798% | 89 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4272% | 305 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7581% | 581 |
| All other 1-4 family - Percent of loans charged-off, net | 3.8003% | 172 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.8317% | 6,930 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0941% | 5,847 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0941% | 5,760 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7244% | 432 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.2055% | 274 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0858% | 276 |
| Percentage Net Loans Charged-off:Construction & development | 4.9686% | 987 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3697% | 454 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7491% | 489 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9038% | 184 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8369% | 495 |
| All other 1-4 family - Percent of loans charged-off, net | 5.5389% | 106 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.5857% | 486 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.8012% | 261 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.7258% | 227 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1066% | 399 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.3940% | 243 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2411% | 250 |
| Percentage Net Loans Charged-off:Construction & development | 5.5725% | 789 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6973% | 311 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.2583% | 372 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.6220% | 210 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2160% | 368 |
| All other 1-4 family - Percent of loans charged-off, net | 4.7284% | 148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.0456% | 397 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.2738% | 232 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 5.1632% | 202 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.8461% | 297 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.5335% | 159 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8805% | 209 |
| Percentage Net Loans Charged-off:Construction & development | 6.3609% | 668 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.1885% | 275 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.6415% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.4653% | 178 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4316% | 262 |
| All other 1-4 family - Percent of loans charged-off, net | 5.2776% | 148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.5614% | 230 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.3197% | 171 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 7.1162% | 136 |
| Percentage Net Loans Charged-off: All other loans and lease | 31.4332% | 57 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.9961% | 150 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.1004% | 151 |
| Percentage Net Loans Charged-off:Construction & development | 6.2783% | 518 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.3991% | 191 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.0310% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.0281% | 104 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9074% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 9.3171% | 54 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5447% | 542 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.2429% | 161 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 7.8742% | 131 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.9634% | 205 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.0183% | 312 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.5800% | 362 |
| Percentage Net Loans Charged-off:Construction & development | 7.3574% | 854 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.1378% | 326 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.2549% | 239 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6985% | 412 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9111% | 929 |
| All other 1-4 family - Percent of loans charged-off, net | 4.1633% | 227 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.2523% | 356 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7104% | 750 |
| 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 | 10.8285% | 178 |
| 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 | 2.3635% | 741 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3822% | 682 |
| Percentage Net Loans Charged-off:Construction & development | 5.1333% | 1,092 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7279% | 697 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.5744% | 325 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3853% | 451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9459% | 825 |
| All other 1-4 family - Percent of loans charged-off, net | 3.5730% | 275 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6581% | 2,664 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6744% | 2,666 |
| 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 | 11.5340% | 162 |
| 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 | 1.9555% | 937 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2057% | 738 |
| Percentage Net Loans Charged-off:Construction & development | 6.2967% | 827 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4001% | 758 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1569% | 639 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3410% | 487 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0999% | 1,317 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2161% | 219 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1449% | 7,378 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,626 |
| 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 | 7.4148% | 182 |
| 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 | 0.8109% | 1,911 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9042% | 1,480 |
| Percentage Net Loans Charged-off:Construction & development | 5.4307% | 734 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3108% | 1,283 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2223% | 5,997 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3923% | 1,749 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2125% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5433% | 1,426 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0402% | 2,739 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,892 |
| 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 | 0.7839% | 600 |
| 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 | 2.2276% | 1,061 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3755% | 861 |
| Percentage Net Loans Charged-off:Construction & development | 1.2573% | 2,419 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3961% | 461 |
| Percentage Net Loans Charged-off: Multi-family residential | 13.9410% | 94 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2868% | 1,037 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6802% | 569 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9349% | 1,306 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8695% | 3,045 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7232% | 926 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,179 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.0002% | 700 |
| 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 | 1.7305% | 1,169 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8586% | 914 |
| Percentage Net Loans Charged-off:Construction & development | 0.3609% | 2,630 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8245% | 465 |
| Percentage Net Loans Charged-off: Multi-family residential | 13.2364% | 62 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9405% | 1,137 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5809% | 510 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3604% | 2,076 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6164% | 2,922 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8914% | 811 |
| 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 | 0.7415% | 957 |
| 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 | 1.6920% | 1,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8407% | 836 |
| Percentage Net Loans Charged-off:Construction & development | 0.2282% | 2,368 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7138% | 422 |
| Percentage Net Loans Charged-off: Multi-family residential | 11.2784% | 71 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3321% | 766 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1936% | 332 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5451% | 1,408 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6420% | 2,430 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,143 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0939% | 729 |
| 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 | 1.5547% | 930 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5981% | 711 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4168% | 738 |
| Percentage Net Loans Charged-off: Multi-family residential | 17.8827% | 29 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4814% | 522 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1744% | 272 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8456% | 804 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2597% | 1,281 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,232 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.9588% | 452 |
| 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 | 0.3016% | 3,387 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2924% | 2,367 |
| Percentage Net Loans Charged-off:Construction & development | 0.4106% | 2,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3364% | 251 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4842% | 1,233 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6555% | 597 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2791% | 1,744 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4854% | 2,746 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1903% | 5,071 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0435% | 5,392 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0316% | 3,850 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| 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 | 0.1080% | 2,273 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2005% | 812 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1890% | 2,876 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0367% | 5,332 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| 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 | 0.0660% | 4,370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0475% | 2,968 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| 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 | 0.1634% | 1,597 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3068% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2948% | 2,050 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0529% | 4,744 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0460% | 3,820 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.6048% | 1,075 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0142% | 7,862 |
| 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 | -0.1960% | 7,686 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,698 |
| 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 | 0.2861% | 1,081 |
| 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 | -0.0192% | 7,699 |
| 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 | -0.2569% | 7,696 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,220 |
| 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 | 0.4933% | 768 |
| 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 | 0.0000% | 5,517 |
| 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 | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,675 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| 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 | 0.0000% | 4,509 |
| 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 | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,377 |
| 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 | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,719 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,256 |
| 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 | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,858 |
| 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 | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,218 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,137 |
| 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 | 0.0000% | 5,361 |
| 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 | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,005 |
| 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 | 0.0000% | 4,399 |
| 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 | 0.0000% | 3,843 |
| 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 | -0.0023% | 7,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| 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 | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,059 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2019% | 8,193 |
| 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 | 0.0000% | 6,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| 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 | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| 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 | 0.0000% | 5,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| 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 | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| 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 | 0.0000% | 4,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| 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 | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,973 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| 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 | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,496 |
| 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 | 0.0000% | 6,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| 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 | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,086 |
| 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 | 0.0000% | 6,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| 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 | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,607 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0000% | 5,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| 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 | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,682 |
| 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 | 0.0000% | 7,416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| 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 | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,896 |
| 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 | 0.0000% | 6,967 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| 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 | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,497 |
| 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 | 0.0000% | 6,535 |
| 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 | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,001 |
| 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 | 0.0000% | 5,539 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| 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 | 0.0194% | 6,943 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0250% | 8,664 |
| 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 | -0.0662% | 8,886 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0807% | 8,908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,878 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6639% | 1,181 |
| 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% | 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 | 0.0000% | 7,777 |
| 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 | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| 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% | 1,876 |
| 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 | -0.0081% | 8,831 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 7,897 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1876% | 3,653 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0623% | 6,375 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8052% | 966 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8654% | 817 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9086% | 857 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9565% | 490 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6381% | 1,061 |
| 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 |