Home > Grand Bank & Trust of Florida > Net charge- offs to loans
Grand Bank & Trust of Florida, Net charge- offs to loans
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.9328% | 6,265 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4754% | 6,162 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 555 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0026% | 5,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | -2.5526% | 6,220 |
| Percentage Net Loans Charged-off: Home equity loans | -7.1741% | 4,670 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7142% | 255 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2579% | 5,552 |
| Percentage Net Loans Charged-off: Loans to individuals | -29.9195% | 6,212 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -29.9195% | 6,181 |
| 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 | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0903% | 5,815 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0299% | 5,477 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 5,345 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1419% | 6,018 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2384% | 4,566 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0706% | 5,856 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2746% | 5,646 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.0106% | 6,195 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.0106% | 6,155 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2222% | 6,279 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3622% | 6,326 |
| Percentage Net Loans Charged-off:Construction & development | -0.3230% | 5,503 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3660% | 855 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2125% | 286 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.4003% | 6,315 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5349% | 4,747 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2783% | 6,264 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9646% | 791 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8343% | 1,134 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8343% | 1,039 |
| 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 | -0.2680% | 6,368 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4803% | 6,433 |
| Percentage Net Loans Charged-off:Construction & development | -0.4294% | 5,625 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4850% | 622 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.5025% | 6,403 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6426% | 4,799 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3717% | 6,355 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6206% | 452 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6351% | 487 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6351% | 441 |
| 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 | 0.0000% | 4,375 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0339% | 5,858 |
| Percentage Net Loans Charged-off:Construction & development | -0.6425% | 5,745 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0451% | 5,930 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1954% | 1,486 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1699% | 4,713 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5507% | 622 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2748% | 5,798 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0760% | 222 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.0760% | 203 |
| 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 | -0.1265% | 6,213 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1176% | 6,284 |
| Percentage Net Loans Charged-off:Construction & development | -0.2960% | 5,688 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0848% | 6,211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0918% | 6,233 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1486% | 4,719 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0363% | 5,978 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2623% | 5,834 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,715 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,584 |
| 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 | 0.5377% | 1,231 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4322% | 1,307 |
| Percentage Net Loans Charged-off:Construction & development | -3.8427% | 6,157 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5357% | 998 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.4833% | 52 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1396% | 101 |
| All other 1-4 family - Percent of loans charged-off, net | 3.8293% | 54 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2397% | 515 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0479% | 5,761 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0479% | 5,687 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8375% | 699 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7017% | 733 |
| Percentage Net Loans Charged-off:Construction & development | 3.2894% | 375 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6422% | 808 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7308% | 51 |
| Percentage Net Loans Charged-off: Home equity loans | 5.6626% | 57 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7802% | 206 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1663% | 348 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0662% | 5,726 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0662% | 5,665 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1169% | 533 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9000% | 601 |
| Percentage Net Loans Charged-off:Construction & development | 3.1337% | 381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7816% | 652 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.3613% | 40 |
| Percentage Net Loans Charged-off: Home equity loans | 8.0864% | 39 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6022% | 147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.9041% | 219 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1021% | 5,712 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1021% | 5,654 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5004% | 1,206 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1147% | 2,181 |
| Percentage Net Loans Charged-off:Construction & development | 2.2439% | 394 |
| 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 | 8.1340% | 30 |
| Percentage Net Loans Charged-off: Home equity loans | 13.1298% | 30 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1164% | 125 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.9459% | 131 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1989% | 5,922 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1989% | 5,863 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| 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 | 1.0732% | 994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9675% | 1,041 |
| Percentage Net Loans Charged-off:Construction & development | 3.1358% | 824 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0991% | 2,687 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.1500% | 81 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6713% | 153 |
| All other 1-4 family - Percent of loans charged-off, net | 4.6240% | 79 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2386% | 759 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0911% | 4,006 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0911% | 3,831 |
| 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 | 1.2214% | 796 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1489% | 812 |
| Percentage Net Loans Charged-off:Construction & development | 3.8243% | 671 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1252% | 2,287 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.7957% | 73 |
| Percentage Net Loans Charged-off: Home equity loans | 4.2127% | 133 |
| All other 1-4 family - Percent of loans charged-off, net | 5.3686% | 68 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9838% | 783 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2403% | 3,030 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2403% | 2,853 |
| 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 | 0.7642% | 1,440 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5849% | 1,663 |
| Percentage Net Loans Charged-off:Construction & development | -0.2758% | 6,228 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1800% | 1,835 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7545% | 243 |
| Percentage Net Loans Charged-off: Home equity loans | 4.1932% | 137 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3594% | 631 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5354% | 646 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2672% | 6,445 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2672% | 6,375 |
| 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 | 0.7500% | 1,360 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4125% | 1,802 |
| Percentage Net Loans Charged-off:Construction & development | -0.5103% | 6,330 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3142% | 1,147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2973% | 649 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8889% | 307 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7276% | 1,089 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9582% | 395 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3520% | 6,445 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3520% | 6,376 |
| 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 | 3.7472% | 184 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3881% | 228 |
| Percentage Net Loans Charged-off:Construction & development | 25.5566% | 100 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1820% | 1,061 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6642% | 1,806 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2874% | 696 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0816% | 4,069 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.7206% | 364 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.0821% | 77 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 11.8071% | 74 |
| 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 | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.9588% | 173 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3754% | 231 |
| Percentage Net Loans Charged-off:Construction & development | 21.0725% | 135 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5487% | 705 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4466% | 2,176 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8863% | 816 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0400% | 3,996 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.2440% | 239 |
| Percentage Net Loans Charged-off: Loans to individuals | 15.4094% | 67 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 14.9712% | 59 |
| 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 | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9700% | 349 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3903% | 270 |
| Percentage Net Loans Charged-off:Construction & development | 21.7968% | 134 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2170% | 839 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0153% | 3,930 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0320% | 5,273 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0587% | 3,433 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2999% | 2,505 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1221% | 6,473 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1175% | 6,473 |
| 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 | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.2885% | 201 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.9721% | 154 |
| Percentage Net Loans Charged-off:Construction & development | 35.1944% | 70 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6530% | 985 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0602% | 2,827 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1154% | 2,420 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0800% | 2,212 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1149% | 6,207 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1087% | 6,232 |
| 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 | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.7381% | 109 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.4856% | 67 |
| Percentage Net Loans Charged-off:Construction & development | 25.5538% | 93 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3776% | 958 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5202% | 261 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4968% | 259 |
| All other 1-4 family - Percent of loans charged-off, net | 3.5386% | 298 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1173% | 2,412 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.2525% | 397 |
| 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 | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.7177% | 120 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.3716% | 89 |
| Percentage Net Loans Charged-off:Construction & development | 26.4460% | 88 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7248% | 1,430 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.3162% | 179 |
| Percentage Net Loans Charged-off: Home equity loans | 4.4656% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | 4.2039% | 211 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6485% | 1,691 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.2097% | 278 |
| 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 | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.1963% | 295 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6280% | 212 |
| Percentage Net Loans Charged-off:Construction & development | 12.8648% | 357 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.0588% | 213 |
| Percentage Net Loans Charged-off: Home equity loans | 6.1805% | 126 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4900% | 470 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2709% | 1,778 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.5400% | 188 |
| 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 | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.9701% | 332 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2345% | 275 |
| 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 | 6.2628% | 132 |
| Percentage Net Loans Charged-off: Home equity loans | 11.9086% | 61 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1411% | 521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3901% | 1,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 14.4918% | 99 |
| 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 | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2642% | 1,036 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3240% | 883 |
| Percentage Net Loans Charged-off:Construction & development | 4.7949% | 1,288 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2559% | 932 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5832% | 483 |
| Percentage Net Loans Charged-off: Home equity loans | 4.6689% | 205 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1107% | 1,151 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0698% | 1,841 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4540% | 1,946 |
| 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 | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4776% | 738 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6378% | 588 |
| Percentage Net Loans Charged-off:Construction & development | 6.2396% | 805 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6622% | 517 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5253% | 270 |
| Percentage Net Loans Charged-off: Home equity loans | 6.5237% | 128 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4480% | 753 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9052% | 1,601 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2656% | 4,590 |
| 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 | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8054% | 586 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1708% | 423 |
| Percentage Net Loans Charged-off:Construction & development | 8.9911% | 483 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3705% | 303 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1696% | 850 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1658% | 543 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1722% | 832 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2158% | 1,797 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3654% | 3,893 |
| 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 | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2586% | 3,111 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2810% | 2,132 |
| 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 | 1.6989% | 469 |
| Percentage Net Loans Charged-off: Home equity loans | 2.3029% | 257 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2819% | 593 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0998% | 2,536 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7456% | 2,458 |
| 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 | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0896% | 1,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2212% | 759 |
| Percentage Net Loans Charged-off:Construction & development | 3.5922% | 713 |
| 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 | 2.2425% | 228 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5419% | 322 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6836% | 192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4114% | 2,915 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8108% | 1,065 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8788% | 726 |
| Percentage Net Loans Charged-off:Construction & development | 2.4782% | 625 |
| 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 | 1.5819% | 275 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9693% | 359 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9584% | 213 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4675% | 2,095 |
| 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 | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2117% | 549 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3131% | 369 |
| Percentage Net Loans Charged-off:Construction & development | 3.4035% | 338 |
| 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 | 2.4123% | 152 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4681% | 223 |
| All other 1-4 family - Percent of loans charged-off, net | 2.9990% | 110 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6957% | 1,362 |
| 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 | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.8187% | 278 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9448% | 172 |
| Percentage Net Loans Charged-off:Construction & development | 4.5672% | 160 |
| 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 | 4.0265% | 59 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6701% | 272 |
| All other 1-4 family - Percent of loans charged-off, net | 6.1666% | 31 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2557% | 687 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1172% | 3,682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1423% | 1,728 |
| Percentage Net Loans Charged-off:Construction & development | 0.4684% | 698 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0083% | 6,980 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0358% | 7,532 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,217 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1586% | 2,378 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1934% | 936 |
| Percentage Net Loans Charged-off:Construction & development | 0.6335% | 330 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0112% | 6,834 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0698% | 7,442 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0168% | 4,673 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0255% | 2,569 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7998% | 1,642 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0386% | 3,200 |
| 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 | 0.0848% | 1,571 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5778% | 761 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0026% | 7,525 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0221% | 7,081 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0331% | 5,551 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,256 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0027% | 7,206 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0453% | 7,139 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1995% | 4,012 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2409% | 498 |
| 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 | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0021% | 6,882 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0270% | 6,876 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0994% | 4,247 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0115% | 3,905 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0358% | 1,609 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2550% | 2,912 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0157% | 8,000 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0825% | 7,533 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,170 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0044% | 7,405 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0226% | 7,019 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,324 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0061% | 7,203 |
| 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 | -0.0306% | 7,011 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0074% | 6,891 |
| 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 | -0.0356% | 7,055 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0022% | 7,861 |
| 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 | -0.0046% | 7,159 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0319% | 8,035 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0077% | 6,147 |
| 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 | 0.0381% | 3,359 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0446% | 7,877 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0101% | 3,021 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0667% | 7,785 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0103% | 7,220 |
| 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 | -0.0210% | 7,016 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1301% | 7,672 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0630% | 5,556 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1849% | 3,708 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2373% | 5,665 |
| Percentage Net Loans Charged-off: Credit card loans | -4.4346% | 2,798 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1145% | 4,045 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2986% | 2,748 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5436% | 3,649 |
| Percentage Net Loans Charged-off: Credit card loans | -2.2099% | 2,782 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1401% | 3,393 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4471% | 2,076 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,001 |
| Percentage Net Loans Charged-off: Credit card loans | -2.3166% | 2,765 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2799% | 1,869 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8709% | 1,115 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1974% | 8,242 |
| Percentage Net Loans Charged-off: Credit card loans | -4.4444% | 2,760 |
| 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 | 0.3413% | 2,442 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8833% | 2,062 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7566% | 3,155 |
| Percentage Net Loans Charged-off: Credit card loans | 12.7943% | 101 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.5663% | 273 |
| 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 | 0.3090% | 2,618 |
| 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 | 0.7877% | 2,108 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0286% | 7,137 |
| 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 | 0.0112% | 7,116 |
| 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 | 0.4856% | 1,414 |
| 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 |