Home > Gulf Coast Community Bank > Net charge- offs to loans
Gulf Coast Community Bank, Net charge- offs to loans
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0521% | 5,402 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0277% | 2,210 |
| Percentage Net Loans Charged-off:Construction & development | 0.2701% | 296 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0650% | 5,344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 220 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0464% | 1,959 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5840% | 138 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1284% | 5,560 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5228% | 5,473 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.8913% | 5,672 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.8913% | 5,637 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,609 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0137% | 3,471 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1032% | 1,035 |
| Percentage Net Loans Charged-off:Construction & development | 0.4343% | 195 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0732% | 5,437 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2126% | 673 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8985% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0153% | 5,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5321% | 5,515 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7629% | 5,694 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7629% | 5,658 |
| 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 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1198% | 1,636 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2057% | 597 |
| Percentage Net Loans Charged-off:Construction & development | 0.7732% | 132 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0848% | 5,557 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3754% | 386 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5546% | 53 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0116% | 5,002 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3572% | 5,476 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6616% | 5,720 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6616% | 5,675 |
| 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 | -0.1747% | 5,813 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0863% | 5,621 |
| Percentage Net Loans Charged-off:Construction & development | -0.2247% | 5,232 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0527% | 5,566 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0690% | 5,579 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2015% | 4,366 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0232% | 5,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6727% | 5,677 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2015% | 5,836 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.2015% | 5,791 |
| 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 | -0.0947% | 5,758 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0771% | 1,887 |
| Percentage Net Loans Charged-off:Construction & development | -0.2189% | 5,200 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1232% | 5,685 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5983% | 306 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3704% | 351 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6822% | 252 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1809% | 5,824 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.6843% | 5,992 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.6843% | 5,959 |
| 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 | -0.0953% | 5,763 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1243% | 1,288 |
| Percentage Net Loans Charged-off:Construction & development | -0.2486% | 5,297 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1426% | 5,806 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8172% | 190 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5446% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9174% | 160 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5486% | 5,924 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.7736% | 6,068 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.7736% | 6,030 |
| 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 | 0.1678% | 1,463 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2222% | 808 |
| Percentage Net Loans Charged-off:Construction & development | -0.2553% | 5,356 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1905% | 5,939 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2588% | 105 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8741% | 172 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4034% | 98 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,760 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.5475% | 6,120 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.5475% | 6,081 |
| 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 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0885% | 5,802 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0745% | 5,813 |
| Percentage Net Loans Charged-off:Construction & development | -0.2216% | 5,416 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3412% | 6,121 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4886% | 426 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8083% | 84 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0251% | 5,538 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,166 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.6333% | 6,159 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.6333% | 6,120 |
| 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 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0233% | 5,727 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0479% | 5,895 |
| Percentage Net Loans Charged-off:Construction & development | -0.1539% | 5,363 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0373% | 5,767 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0042% | 5,588 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0874% | 4,567 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0384% | 2,931 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5526% | 1,133 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.7021% | 6,324 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.7021% | 6,290 |
| 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 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0160% | 5,553 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0547% | 5,968 |
| Percentage Net Loans Charged-off:Construction & development | -0.1361% | 5,399 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0336% | 5,799 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0444% | 5,986 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0791% | 4,587 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0257% | 5,859 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7659% | 786 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.9963% | 6,400 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.9963% | 6,365 |
| 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 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0021% | 5,066 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0447% | 5,936 |
| Percentage Net Loans Charged-off:Construction & development | -0.1055% | 5,413 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0311% | 5,841 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0329% | 5,950 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0687% | 4,593 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0128% | 5,722 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9769% | 648 |
| Percentage Net Loans Charged-off: Loans to individuals | -3.8891% | 6,479 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -3.8891% | 6,443 |
| 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 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2630% | 1,289 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2959% | 926 |
| Percentage Net Loans Charged-off:Construction & development | 1.8573% | 205 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0340% | 5,994 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0484% | 6,059 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0880% | 4,649 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0255% | 5,872 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3382% | 788 |
| Percentage Net Loans Charged-off: Loans to individuals | -3.5088% | 6,535 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -3.5088% | 6,496 |
| 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 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6392% | 1,015 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1897% | 2,389 |
| Percentage Net Loans Charged-off:Construction & development | 1.5282% | 686 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.7803% | 6,591 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0101% | 458 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4717% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7222% | 768 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5902% | 169 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.1615% | 50 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 10.1615% | 45 |
| 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 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8568% | 682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2544% | 1,870 |
| Percentage Net Loans Charged-off:Construction & development | 2.0015% | 537 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.0204% | 6,683 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2850% | 330 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9291% | 193 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8811% | 579 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4810% | 117 |
| Percentage Net Loans Charged-off: Loans to individuals | 13.1368% | 35 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 13.1368% | 35 |
| 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 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2944% | 442 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3960% | 1,344 |
| Percentage Net Loans Charged-off:Construction & development | 2.9258% | 404 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.4984% | 6,755 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8852% | 221 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8166% | 135 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2967% | 400 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.0251% | 70 |
| Percentage Net Loans Charged-off: Loans to individuals | 20.4308% | 17 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 20.4308% | 20 |
| 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 | -1.7432% | 6,952 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.8375% | 6,918 |
| Percentage Net Loans Charged-off:Construction & development | -0.1204% | 5,801 |
| Percentage Net Loans Charged-off: Commercial real estate | -3.9220% | 6,839 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4412% | 1,095 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7248% | 716 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3687% | 6,209 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| 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 | 0.5667% | 2,033 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6611% | 1,552 |
| Percentage Net Loans Charged-off:Construction & development | 0.7458% | 1,616 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1169% | 2,617 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6818% | 456 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3000% | 520 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9192% | 399 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4705% | 6,492 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,463 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,313 |
| 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 | 0.7782% | 1,421 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8849% | 1,115 |
| Percentage Net Loans Charged-off:Construction & development | 1.0337% | 1,362 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1562% | 2,194 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1922% | 309 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7340% | 361 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4752% | 288 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4694% | 6,536 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,181 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,003 |
| 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 | 0.9060% | 1,217 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0254% | 954 |
| Percentage Net Loans Charged-off:Construction & development | 1.4819% | 1,106 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2309% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0307% | 366 |
| Percentage Net Loans Charged-off: Home equity loans | 3.5367% | 166 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0990% | 811 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4718% | 6,585 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| 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 | -1.0125% | 7,215 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.0557% | 7,185 |
| Percentage Net Loans Charged-off:Construction & development | 0.0353% | 1,378 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6710% | 7,063 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | -2.8520% | 7,176 |
| Percentage Net Loans Charged-off: Home equity loans | 5.1304% | 105 |
| All other 1-4 family - Percent of loans charged-off, net | -7.6783% | 7,174 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4194% | 6,552 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| 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 | 2.5685% | 441 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1743% | 579 |
| Percentage Net Loans Charged-off:Construction & development | 1.5192% | 1,895 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.3407% | 260 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1661% | 1,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1327% | 1,728 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7441% | 690 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.9026% | 231 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,946 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,804 |
| 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 | 2.9007% | 335 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3613% | 451 |
| Percentage Net Loans Charged-off:Construction & development | 0.6485% | 2,092 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.3772% | 147 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1730% | 997 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8222% | 607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 10.0176% | 145 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,575 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,414 |
| 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 | 2.3724% | 526 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4603% | 976 |
| Percentage Net Loans Charged-off:Construction & development | 0.9402% | 1,706 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9508% | 549 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2968% | 911 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0358% | 530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 13.4338% | 91 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,954 |
| 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 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.8629% | 239 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1801% | 518 |
| Percentage Net Loans Charged-off:Construction & development | 0.1530% | 1,576 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.7229% | 228 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0148% | 501 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1352% | 297 |
| Percentage Net Loans Charged-off: Commercial and industrial | 22.1996% | 51 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,362 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,214 |
| 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 | 5.4668% | 136 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.5311% | 130 |
| Percentage Net Loans Charged-off:Construction & development | 1.6510% | 2,207 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.4772% | 38 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.4264% | 115 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5492% | 616 |
| All other 1-4 family - Percent of loans charged-off, net | 7.4523% | 67 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.1548% | 584 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1110% | 7,429 |
| 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 | 5.2809% | 155 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.2140% | 142 |
| Percentage Net Loans Charged-off:Construction & development | 1.7903% | 1,921 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.3381% | 51 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.3434% | 177 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4658% | 1,141 |
| All other 1-4 family - Percent of loans charged-off, net | 6.3624% | 98 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.2409% | 415 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1689% | 7,512 |
| 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 | 4.6633% | 236 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.3068% | 249 |
| Percentage Net Loans Charged-off:Construction & development | 2.5937% | 1,470 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.3233% | 192 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.3659% | 94 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7018% | 842 |
| All other 1-4 family - Percent of loans charged-off, net | 9.2929% | 58 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.0300% | 265 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0759% | 7,535 |
| 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 | 1.0750% | 1,554 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0152% | 1,355 |
| Percentage Net Loans Charged-off:Construction & development | 2.3832% | 1,126 |
| 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 | 1.0392% | 1,003 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5725% | 697 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9198% | 1,098 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.1303% | 7,569 |
| 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 | 0.8927% | 2,608 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4164% | 3,162 |
| Percentage Net Loans Charged-off:Construction & development | 0.1731% | 3,260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5517% | 1,681 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5627% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9271% | 1,312 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.4453% | 668 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1656% | 5,360 |
| 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 | 0.7932% | 2,381 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2453% | 3,354 |
| Percentage Net Loans Charged-off:Construction & development | 0.2239% | 2,788 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7772% | 1,326 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3138% | 835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9212% | 487 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2228% | 4,775 |
| 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 | 1.0743% | 1,682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2433% | 2,932 |
| Percentage Net Loans Charged-off:Construction & development | 0.3291% | 2,271 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5967% | 1,392 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0213% | 924 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.5672% | 308 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4471% | 3,650 |
| 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 | 2.1365% | 675 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4845% | 1,649 |
| Percentage Net Loans Charged-off:Construction & development | 0.6380% | 1,401 |
| 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 | 1.2478% | 624 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1782% | 365 |
| Percentage Net Loans Charged-off: Commercial and industrial | 16.1219% | 109 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9096% | 2,187 |
| 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 | 0.4786% | 2,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5265% | 1,631 |
| Percentage Net Loans Charged-off:Construction & development | 0.2020% | 2,403 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4503% | 924 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3145% | 457 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1730% | 246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0988% | 4,025 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9898% | 2,293 |
| 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 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5710% | 1,476 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6489% | 964 |
| Percentage Net Loans Charged-off:Construction & development | 0.2735% | 1,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6074% | 486 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4590% | 307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3922% | 156 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,892 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9446% | 1,980 |
| 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 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7785% | 900 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9019% | 560 |
| Percentage Net Loans Charged-off:Construction & development | 0.1646% | 1,359 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9290% | 285 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2505% | 163 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 3.6453% | 74 |
| 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 | 0.0000% | 5,009 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 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 | 0.1886% | 2,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2208% | 1,240 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9391% | 273 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4747% | 158 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,946 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,698 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,076 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,385 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 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 | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,517 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,675 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,377 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,719 |
| Percentage Net Loans Charged-off: Credit card loans | 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 | 0.0000% | 5,858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,218 |
| Percentage Net Loans Charged-off: Credit card loans | 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 | 0.0000% | 5,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| Percentage Net Loans Charged-off: Credit card loans | 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 | 0.0000% | 4,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,618 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,170 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,144 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,660 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,174 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,973 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,496 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,496 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,086 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,607 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,682 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 7,416 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,747 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,896 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,967 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,497 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |