Home > Frontenac Bank > Net charge- offs to loans
Frontenac Bank, Net charge- offs to loans
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9963% | 187 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2323% | 50 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 380 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5045% | 85 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8563% | 38 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 570 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1140% | 38 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1403% | 5,699 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3102% | 5,510 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3102% | 5,457 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,209 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9811% | 79 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4377% | 21 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 253 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.9827% | 37 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.6729% | 16 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 408 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2092% | 18 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.3810% | 5,822 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5686% | 5,654 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5686% | 5,606 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 943 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5709% | 429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6223% | 209 |
| Percentage Net Loans Charged-off:Construction & development | -0.0098% | 4,685 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9258% | 223 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3137% | 680 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2793% | 416 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3187% | 675 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,465 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6017% | 5,867 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6017% | 5,826 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,449 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0596% | 2,749 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0673% | 1,835 |
| Percentage Net Loans Charged-off:Construction & development | -0.0133% | 4,793 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4126% | 451 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3720% | 310 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4186% | 458 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,095 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6201% | 5,914 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6201% | 5,874 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,309 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0462% | 2,774 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0527% | 1,900 |
| Percentage Net Loans Charged-off:Construction & development | -0.0199% | 4,915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,187 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3268% | 647 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5618% | 240 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2931% | 713 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,760 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6620% | 5,966 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6620% | 5,926 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0966% | 1,753 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1048% | 1,156 |
| Percentage Net Loans Charged-off:Construction & development | -0.0405% | 5,116 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6499% | 308 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1758% | 117 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5787% | 348 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,166 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4260% | 5,799 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4260% | 5,751 |
| 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 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3095% | 1,419 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3282% | 959 |
| Percentage Net Loans Charged-off:Construction & development | -6.8197% | 5,940 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2292% | 1,120 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1493% | 1,949 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1767% | 1,702 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,737 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6246% | 6,176 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6246% | 6,128 |
| 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 | NA | NA |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5114% | 754 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5391% | 523 |
| Percentage Net Loans Charged-off:Construction & development | -6.3068% | 5,978 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3598% | 760 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1995% | 1,490 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2382% | 1,271 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,374 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5697% | 6,172 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5697% | 6,137 |
| 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 | NA | NA |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.6161% | 6,531 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.6422% | 6,513 |
| Percentage Net Loans Charged-off:Construction & development | -8.5676% | 6,009 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1818% | 957 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1982% | 1,471 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2408% | 1,245 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,007 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6415% | 6,231 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6415% | 6,191 |
| 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 | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -1.4597% | 6,651 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.5248% | 6,614 |
| Percentage Net Loans Charged-off:Construction & development | -17.5111% | 6,047 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3975% | 762 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4848% | 652 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,326 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8561% | 6,311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.8561% | 6,269 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3658% | 1,854 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2247% | 2,159 |
| Percentage Net Loans Charged-off:Construction & development | -1.0372% | 5,984 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4103% | 1,201 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1538% | 5,289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6607% | 834 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2810% | 289 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5230% | 1,050 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2300% | 254 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.8124% | 6,594 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.8124% | 6,563 |
| 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 | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1443% | 3,100 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1597% | 2,456 |
| Percentage Net Loans Charged-off:Construction & development | -1.3536% | 6,079 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3099% | 1,262 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2083% | 5,345 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8545% | 603 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7080% | 224 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6653% | 797 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,729 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.8339% | 6,664 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.8339% | 6,628 |
| 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 | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0658% | 6,363 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2468% | 1,880 |
| Percentage Net Loans Charged-off:Construction & development | -0.9182% | 6,045 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2600% | 1,216 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3025% | 5,360 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3926% | 350 |
| Percentage Net Loans Charged-off: Home equity loans | 5.0767% | 70 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5952% | 900 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Loans to individuals | -62.3131% | 6,811 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -62.3131% | 6,778 |
| 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 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2661% | 1,892 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2851% | 1,506 |
| Percentage Net Loans Charged-off:Construction & development | 2.7617% | 343 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0992% | 2,069 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1194% | 1,873 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,678 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.0901% | 6,762 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.0901% | 6,721 |
| 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 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1410% | 912 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8751% | 1,165 |
| Percentage Net Loans Charged-off:Construction & development | -0.7413% | 6,274 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6996% | 1,216 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0376% | 811 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3637% | 125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7465% | 814 |
| All other 1-4 family - Percent of loans charged-off, net | 3.8311% | 125 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.3571% | 143 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.1435% | 6,899 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.1435% | 6,859 |
| 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 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2788% | 747 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0955% | 861 |
| Percentage Net Loans Charged-off:Construction & development | -1.2162% | 6,383 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0756% | 775 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0515% | 696 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7611% | 115 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 4.4473% | 98 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.4259% | 242 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.4608% | 6,938 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.4608% | 6,889 |
| 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 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7547% | 508 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7382% | 479 |
| Percentage Net Loans Charged-off:Construction & development | 1.2123% | 1,201 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5326% | 534 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3379% | 453 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9306% | 139 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 4.6317% | 116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3764% | 679 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.3673% | 6,955 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.3673% | 6,903 |
| 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 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2190% | 841 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0663% | 878 |
| Percentage Net Loans Charged-off:Construction & development | -0.0762% | 6,127 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7384% | 802 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6792% | 270 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5741% | 168 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 4.1971% | 146 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7692% | 328 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.4388% | 6,981 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.4388% | 6,928 |
| 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 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4556% | 1,115 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2853% | 1,236 |
| Percentage Net Loans Charged-off:Construction & development | 1.7979% | 1,778 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0271% | 3,455 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1660% | 577 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.0115% | 100 |
| Percentage Net Loans Charged-off: Home equity loans | 9.6426% | 55 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2895% | 185 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.2440% | 406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4694% | 2,896 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4665% | 2,626 |
| 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 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6300% | 861 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3947% | 1,012 |
| Percentage Net Loans Charged-off:Construction & development | 2.2765% | 1,437 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0358% | 2,960 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5067% | 450 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.8045% | 120 |
| Percentage Net Loans Charged-off: Home equity loans | 12.6061% | 41 |
| All other 1-4 family - Percent of loans charged-off, net | 3.6177% | 245 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.8011% | 265 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6221% | 2,226 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6164% | 1,954 |
| 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 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0074% | 1,559 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8235% | 1,641 |
| Percentage Net Loans Charged-off:Construction & development | 1.8497% | 1,398 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0536% | 2,447 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.2522% | 317 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2961% | 912 |
| Percentage Net Loans Charged-off: Home equity loans | 9.9585% | 75 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0260% | 6,970 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 69.4097% | 9 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 68.3353% | 9 |
| 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 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1626% | 3,508 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1659% | 2,895 |
| Percentage Net Loans Charged-off:Construction & development | 1.2804% | 1,142 |
| 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 | -0.4623% | 7,356 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | -0.5352% | 7,351 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3825% | 1,039 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3438% | 825 |
| 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 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9523% | 1,045 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9428% | 969 |
| Percentage Net Loans Charged-off:Construction & development | 4.2115% | 1,418 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5506% | 1,942 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7113% | 236 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4086% | 1,342 |
| All other 1-4 family - Percent of loans charged-off, net | 4.1992% | 223 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2981% | 1,442 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6692% | 7,373 |
| 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 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8695% | 1,028 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9415% | 891 |
| Percentage Net Loans Charged-off:Construction & development | 5.1054% | 1,097 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7397% | 1,418 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6953% | 721 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5607% | 1,051 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8597% | 664 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4053% | 3,114 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1862% | 4,297 |
| 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 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1226% | 855 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1912% | 745 |
| Percentage Net Loans Charged-off:Construction & development | 5.5584% | 920 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1324% | 901 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8563% | 1,328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8415% | 777 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8584% | 1,296 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6612% | 2,416 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2730% | 3,616 |
| 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 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1132% | 4,305 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1184% | 3,277 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6865% | 1,308 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7868% | 1,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,838 |
| 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 | NA | NA |
| 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 | 2.6961% | 837 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8382% | 674 |
| Percentage Net Loans Charged-off:Construction & development | 4.8327% | 1,277 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7436% | 1,401 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.1141% | 172 |
| Percentage Net Loans Charged-off: Home equity loans | 5.0687% | 187 |
| All other 1-4 family - Percent of loans charged-off, net | 5.1215% | 204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 5,131 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4289% | 7,717 |
| 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 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0007% | 1,970 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0557% | 1,507 |
| Percentage Net Loans Charged-off:Construction & development | 2.8106% | 1,472 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0606% | 2,496 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2003% | 2,820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2330% | 2,508 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,579 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4042% | 7,715 |
| 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 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2814% | 1,446 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3538% | 1,085 |
| Percentage Net Loans Charged-off:Construction & development | 3.5240% | 1,065 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0910% | 1,863 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3208% | 2,019 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3758% | 1,749 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,950 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3909% | 7,709 |
| 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 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0295% | 7,549 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0300% | 7,826 |
| Percentage Net Loans Charged-off:Construction & development | -0.0063% | 7,347 |
| 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 | -0.1666% | 7,966 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1946% | 7,955 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3786% | 7,598 |
| 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 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9426% | 563 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8574% | 455 |
| Percentage Net Loans Charged-off:Construction & development | 4.6942% | 544 |
| 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 | 0.8343% | 757 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1685% | 398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7764% | 772 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.7692% | 538 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0783% | 7,643 |
| 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 | 1.7163% | 453 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7988% | 313 |
| Percentage Net Loans Charged-off:Construction & development | 4.7147% | 355 |
| 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 | 0.3788% | 1,135 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5417% | 258 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1754% | 1,707 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1911% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,434 |
| 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 | 0.2304% | 2,524 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2422% | 1,525 |
| Percentage Net Loans Charged-off:Construction & development | 0.6638% | 918 |
| 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 | -0.0273% | 7,926 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0322% | 7,916 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,890 |
| 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 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1512% | 2,507 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1586% | 1,402 |
| Percentage Net Loans Charged-off:Construction & development | 0.4457% | 661 |
| 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 | -0.0475% | 8,005 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0562% | 8,005 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| 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 | NA | NA |
| 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 | 0.3905% | 1,429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3855% | 744 |
| Percentage Net Loans Charged-off:Construction & development | 0.3494% | 805 |
| 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 | 1.5126% | 147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8053% | 112 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,946 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.3043% | 89 |
| 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 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1958% | 2,033 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2095% | 869 |
| Percentage Net Loans Charged-off:Construction & development | 0.4565% | 409 |
| 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 | 0.2400% | 794 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2859% | 681 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,276 |
| 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 | NA | NA |
| 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 | 0.1197% | 2,497 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1279% | 1,038 |
| Percentage Net Loans Charged-off:Construction & development | 0.3497% | 326 |
| 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 | NA | NA |
| 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 | -0.0209% | 7,284 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0221% | 7,958 |
| Percentage Net Loans Charged-off:Construction & development | -0.0598% | 7,669 |
| 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 | NA | NA |
| 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 | 0.6553% | 517 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6719% | 179 |
| Percentage Net Loans Charged-off:Construction & development | 1.1534% | 122 |
| 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 | 1.2937% | 81 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5448% | 69 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5544% | 374 |
| 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 | 0.5303% | 570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5372% | 176 |
| Percentage Net Loans Charged-off:Construction & development | 0.6015% | 124 |
| 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 | 1.7131% | 43 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0400% | 33 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2399% | 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% | 1,412 |
| 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 | 0.6662% | 440 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6700% | 140 |
| Percentage Net Loans Charged-off:Construction & development | 0.5316% | 112 |
| 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 | 2.6146% | 27 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1206% | 20 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5017% | 146 |
| 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 | 0.0513% | 2,806 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0534% | 995 |
| Percentage Net Loans Charged-off:Construction & development | 0.1338% | 141 |
| 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 | 0.1600% | 2,732 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1576% | 876 |
| Percentage Net Loans Charged-off:Construction & development | 0.3211% | 231 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1026% | 772 |
| 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 | 0.2600% | 2,560 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0552% | 5,938 |
| 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 | 0.2011% | 1,959 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1966% | 626 |
| Percentage Net Loans Charged-off:Construction & development | 0.3960% | 169 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1383% | 560 |
| 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 | 0.3644% | 1,828 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1475% | 4,913 |
| 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 | 0.0183% | 4,838 |
| 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 | 2.8884% | 340 |
| 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 | 0.0357% | 3,576 |
| 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 | 5.2416% | 148 |
| 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 | 0.0132% | 6,385 |
| 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 | 1.2326% | 1,597 |
| 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 | 0.0073% | 6,161 |
| 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 | 0.6200% | 2,924 |
| 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 | 0.0116% | 5,541 |
| 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 | 0.8153% | 2,270 |
| 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 | 0.0088% | 4,830 |
| 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 | 0.4793% | 2,977 |
| 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% | 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 | -0.0246% | 8,554 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0474% | 2,592 |
| 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 | 0.2703% | 870 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1129% | 6,062 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3266% | 750 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4941% | 8,424 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1220% | 8,565 |
| 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% | 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 | -0.0321% | 8,493 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0682% | 1,886 |
| 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 | 0.3570% | 565 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1571% | 6,028 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4283% | 477 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6857% | 8,506 |
| 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 | -0.0485% | 8,485 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1118% | 1,294 |
| 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 | 0.5429% | 342 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2421% | 6,001 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6501% | 289 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0080% | 8,577 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1862% | 5,076 |
| 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 | 0.1992% | 2,346 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2403% | 607 |
| 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 | 1.1795% | 128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3508% | 116 |
| 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 | 0.2327% | 3,325 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0298% | 1,839 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0870% | 8,702 |
| 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 | 0.1465% | 4,347 |
| 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 | 0.1975% | 3,659 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9801% | 435 |
| 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 | 0.0000% | 7,622 |
| 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 |