Home > Founders Bank & Trust > Net charge- offs to loans
Founders Bank & Trust, Net charge- offs to loans
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0259% | 4,304 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0271% | 3,363 |
| Percentage Net Loans Charged-off:Construction & development | 0.0272% | 1,067 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0135% | 5,576 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0799% | 5,032 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0601% | 2,810 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0148% | 4,400 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0757% | 2,525 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0634% | 5,188 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7330% | 480 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7330% | 434 |
| 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 | 0.0004% | 4,694 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0164% | 3,242 |
| Percentage Net Loans Charged-off:Construction & development | 0.0373% | 905 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0167% | 5,629 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0763% | 5,077 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0405% | 2,747 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0708% | 898 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0342% | 2,676 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0797% | 5,240 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1554% | 5,748 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1554% | 5,691 |
| 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 | 0.0174% | 3,875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0229% | 2,874 |
| Percentage Net Loans Charged-off:Construction & development | 0.0607% | 754 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0233% | 5,780 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0690% | 5,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0534% | 2,354 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0310% | 4,493 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0705% | 2,130 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0074% | 4,545 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0815% | 5,470 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0815% | 5,402 |
| 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 | -0.0212% | 5,381 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0169% | 2,333 |
| Percentage Net Loans Charged-off:Construction & development | 0.4252% | 385 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0039% | 5,609 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0930% | 5,143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0213% | 5,812 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0629% | 4,599 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0129% | 5,669 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2080% | 5,731 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3368% | 5,955 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3368% | 5,904 |
| 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 | 0.1427% | 3,374 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0811% | 3,347 |
| Percentage Net Loans Charged-off:Construction & development | 0.4728% | 1,111 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0280% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0813% | 5,255 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0620% | 3,375 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0313% | 1,365 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0685% | 3,160 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4658% | 1,607 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4450% | 6,373 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4450% | 6,334 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1282% | 1,053 |
| 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 | 0.1500% | 3,044 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0890% | 3,028 |
| Percentage Net Loans Charged-off:Construction & development | 0.5935% | 936 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0378% | 2,107 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0945% | 5,313 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0500% | 3,246 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0415% | 1,203 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0518% | 3,075 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4659% | 1,404 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4824% | 6,414 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4824% | 6,360 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1683% | 906 |
| 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 | 0.2074% | 2,519 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1274% | 2,523 |
| Percentage Net Loans Charged-off:Construction & development | 0.9097% | 741 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0273% | 1,894 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0913% | 5,311 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0792% | 2,696 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4385% | 653 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0033% | 3,161 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6094% | 1,142 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5567% | 6,439 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5567% | 6,379 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2625% | 710 |
| 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 | 0.0447% | 3,400 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0135% | 2,918 |
| Percentage Net Loans Charged-off:Construction & development | -0.0175% | 5,562 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0594% | 1,248 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0623% | 5,339 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0083% | 5,934 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0157% | 4,669 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0067% | 5,926 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1983% | 1,265 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4739% | 6,323 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4739% | 6,271 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6275% | 425 |
| 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 | 0.2263% | 3,580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2266% | 3,123 |
| Percentage Net Loans Charged-off:Construction & development | 0.0265% | 2,311 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1582% | 2,456 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9553% | 323 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2460% | 2,728 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3654% | 1,183 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2185% | 2,755 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2267% | 2,696 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1972% | 3,468 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1972% | 3,297 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2922% | 2,981 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2997% | 2,595 |
| Percentage Net Loans Charged-off:Construction & development | 0.0352% | 2,115 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1938% | 2,072 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.8756% | 237 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3325% | 2,239 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4906% | 935 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2956% | 2,264 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2627% | 2,323 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2099% | 3,148 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2099% | 2,973 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2223% | 3,241 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1767% | 3,043 |
| Percentage Net Loans Charged-off:Construction & development | -0.0088% | 5,937 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1145% | 2,013 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2498% | 2,409 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0376% | 5,057 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3166% | 2,067 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4056% | 1,857 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6200% | 1,787 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6200% | 1,655 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3698% | 2,201 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2816% | 2,206 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1110% | 1,431 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4370% | 1,572 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0452% | 5,083 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5487% | 1,293 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7990% | 1,059 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5926% | 6,688 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5926% | 6,632 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| 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 | 0.3818% | 3,501 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3887% | 3,014 |
| Percentage Net Loans Charged-off:Construction & development | 0.5637% | 2,387 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1776% | 2,816 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5026% | 2,216 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1126% | 1,767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6019% | 1,915 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2827% | 3,223 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8020% | 891 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7535% | 791 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3884% | 3,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4005% | 2,730 |
| Percentage Net Loans Charged-off:Construction & development | 0.7549% | 2,035 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1333% | 2,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5244% | 1,951 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0601% | 1,615 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6450% | 1,643 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2642% | 2,892 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8924% | 810 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8296% | 695 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3617% | 3,107 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3795% | 2,639 |
| Percentage Net Loans Charged-off:Construction & development | 0.9643% | 1,697 |
| 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 | 0.5414% | 1,840 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1102% | 1,337 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6558% | 1,537 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2867% | 2,529 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4356% | 2,609 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4174% | 2,331 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3707% | 2,583 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3386% | 2,279 |
| Percentage Net Loans Charged-off:Construction & development | -0.0357% | 6,428 |
| 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 | 0.6297% | 1,341 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1227% | 950 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7668% | 1,126 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4917% | 1,635 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4913% | 2,107 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4615% | 1,856 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6944% | 2,926 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6548% | 2,559 |
| Percentage Net Loans Charged-off:Construction & development | 1.7640% | 2,159 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2369% | 2,692 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7488% | 1,746 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9388% | 911 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6953% | 1,804 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8423% | 2,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6749% | 2,879 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4626% | 3,438 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4843% | 2,747 |
| Percentage Net Loans Charged-off:Construction & development | 1.8642% | 1,892 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2688% | 2,233 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3980% | 2,379 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1426% | 1,528 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4707% | 2,097 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3680% | 3,217 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7360% | 2,509 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4320% | 3,263 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5446% | 2,367 |
| Percentage Net Loans Charged-off:Construction & development | 2.8562% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4090% | 1,612 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2505% | 2,571 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0334% | 5,552 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3347% | 2,204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0648% | 3,590 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1061% | 6,849 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5201% | 2,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6537% | 1,801 |
| Percentage Net Loans Charged-off:Construction & development | 5.2527% | 761 |
| 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 | 0.2906% | 2,019 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0399% | 5,598 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3907% | 1,679 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0884% | 2,617 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1065% | 6,676 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6898% | 3,119 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5519% | 2,765 |
| Percentage Net Loans Charged-off:Construction & development | 1.1210% | 2,497 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6102% | 1,586 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4139% | 2,325 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4142% | 1,327 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4138% | 2,238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0054% | 2,848 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8182% | 565 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7248% | 2,543 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5194% | 2,391 |
| Percentage Net Loans Charged-off:Construction & development | 0.6627% | 2,377 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8375% | 964 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3322% | 2,276 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6777% | 888 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2509% | 2,433 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2405% | 2,099 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.7298% | 395 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4578% | 2,997 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1626% | 3,357 |
| Percentage Net Loans Charged-off:Construction & development | 0.4269% | 2,184 |
| 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 | 0.1892% | 2,535 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2286% | 1,064 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1806% | 2,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2878% | 1,740 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0179% | 380 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0244% | 5,205 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0359% | 3,409 |
| 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 | 0.0600% | 2,416 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0163% | 5,825 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0754% | 2,143 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3157% | 7,533 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4590% | 2,535 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4110% | 1,917 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| 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 | 0.6715% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6447% | 603 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6759% | 874 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7001% | 2,269 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0527% | 7,588 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4437% | 1,886 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3937% | 1,401 |
| 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 | 0.6419% | 727 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3027% | 705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6951% | 634 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6973% | 1,685 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0706% | 7,490 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3210% | 2,030 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2677% | 1,438 |
| 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 | 0.4361% | 863 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1502% | 701 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4794% | 759 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5853% | 1,510 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1070% | 7,439 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0760% | 3,352 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0542% | 2,076 |
| 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 | 0.0881% | 1,432 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5240% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0229% | 1,626 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1853% | 1,655 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1066% | 7,141 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2810% | 1,945 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1168% | 1,937 |
| Percentage Net Loans Charged-off:Construction & development | 0.4134% | 747 |
| 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 | 0.0913% | 1,979 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2690% | 485 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0637% | 2,113 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0318% | 1,141 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4606% | 3,225 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2031% | 1,966 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1166% | 1,356 |
| Percentage Net Loans Charged-off:Construction & development | 0.5329% | 379 |
| 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 | 0.0574% | 1,811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2363% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0293% | 2,016 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5701% | 1,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6306% | 2,223 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0477% | 3,711 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 7,384 |
| 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 | -0.0015% | 7,571 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0108% | 5,959 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2314% | 1,757 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5680% | 2,197 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0839% | 2,404 |
| 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 | 0.4836% | 910 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1927% | 3,129 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0599% | 4,134 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0332% | 2,326 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0818% | 844 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0224% | 2,425 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0050% | 5,984 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0272% | 2,183 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1688% | 2,593 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3129% | 3,827 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0734% | 3,215 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0195% | 2,269 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0328% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0190% | 2,071 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0225% | 1,888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3343% | 1,607 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2431% | 3,748 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0924% | 2,591 |
| 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 | NA | NA |
| 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 | 0.5889% | 1,057 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0387% | 7,061 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1247% | 1,849 |
| 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 | NA | NA |
| 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 | 0.7629% | 684 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1501% | 3,319 |
| 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 | 0.1051% | 3,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0136% | 2,930 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0228% | 2,500 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0283% | 2,272 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7798% | 1,407 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1991% | 8,559 |
| 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 | 0.1044% | 3,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0183% | 2,374 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0309% | 2,006 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0387% | 1,796 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8808% | 1,083 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.9759% | 8,617 |
| 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 | 0.1680% | 2,103 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0267% | 1,856 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0455% | 1,543 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0575% | 1,371 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3962% | 716 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.9333% | 8,652 |
| 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 | -0.1149% | 8,268 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0548% | 1,118 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0946% | 913 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1207% | 785 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0533% | 7,198 |
| Percentage Net Loans Charged-off: Loans to individuals | -5.8986% | 8,737 |
| 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 | 0.0613% | 4,990 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,760 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0021% | 7,888 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0106% | 5,972 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3794% | 2,460 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0161% | 6,470 |
| 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 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0089% | 7,795 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,662 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0015% | 7,846 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0075% | 5,945 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0468% | 7,328 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0213% | 7,804 |
| 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 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0089% | 7,556 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,714 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0024% | 7,934 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0120% | 5,936 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0361% | 7,167 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0635% | 7,769 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | -0.0100% | 7,211 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0025% | 7,861 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0049% | 8,103 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0251% | 5,915 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0359% | 7,152 |
| 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 | NA | NA |
| 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 | 0.0109% | 6,968 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0167% | 3,388 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0302% | 2,701 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0658% | 467 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0244% | 2,697 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2082% | 8,211 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0307% | 2,283 |
| 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 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0087% | 8,162 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0231% | 2,660 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0412% | 2,071 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0972% | 331 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0329% | 2,125 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2523% | 8,216 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5500% | 3,621 |
| 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 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0510% | 4,945 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0109% | 2,605 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0194% | 2,051 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1655% | 226 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0328% | 3,395 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0392% | 1,994 |
| 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 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0886% | 3,528 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0262% | 1,646 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0479% | 1,268 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4341% | 105 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0131% | 2,426 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8675% | 975 |
| 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 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2753% | 2,939 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2807% | 813 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7796% | 356 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0817% | 1,890 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1684% | 71 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0321% | 8,734 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2165% | 3,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4453% | 4,570 |
| 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 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1218% | 4,713 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0891% | 1,796 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1725% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1951% | 935 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0512% | 4,454 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6550% | 3,444 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1299% | 4,094 |
| 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 | 0.1586% | 3,782 |
| 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 | -0.1653% | 10,110 |
| 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 | 0.2193% | 3,569 |
| 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 | 0.1126% | 5,497 |
| 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 | -0.3919% | 11,750 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0946% | 658 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 9,922 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 11,197 |
| 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 |