Home > Heritage Oaks Bank > Net charge- offs to loans
Heritage Oaks Bank, Net charge- offs to loans
| 2017-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0107% | 2,610 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0046% | 1,463 |
| Percentage Net Loans Charged-off:Construction & development | -0.4528% | 5,171 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0661% | 897 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6924% | 77 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0057% | 4,595 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0720% | 930 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1166% | 4,963 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1179% | 4,917 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0653% | 1,135 |
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0968% | 5,580 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0750% | 5,430 |
| Percentage Net Loans Charged-off:Construction & development | -0.5710% | 5,243 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0996% | 5,441 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 220 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0104% | 4,954 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0360% | 4,055 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0067% | 4,912 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2347% | 5,282 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1625% | 5,402 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 715 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1636% | 5,346 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0810% | 5,210 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0865% | 1,195 |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1211% | 5,640 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0989% | 5,543 |
| Percentage Net Loans Charged-off:Construction & development | -0.6493% | 5,311 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1343% | 5,563 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0111% | 4,926 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0374% | 4,071 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0071% | 4,868 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2736% | 5,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2658% | 2,254 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2674% | 2,088 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1038% | 5,265 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1118% | 1,184 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1535% | 5,748 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1457% | 5,709 |
| Percentage Net Loans Charged-off:Construction & development | -0.8197% | 5,380 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2043% | 5,707 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0113% | 4,943 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0269% | 4,070 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0088% | 4,921 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2413% | 5,372 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3376% | 5,532 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3395% | 5,488 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0362% | 5,190 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0085% | 1,154 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0354% | 5,140 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0069% | 4,642 |
| Percentage Net Loans Charged-off:Construction & development | -0.1515% | 5,177 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 631 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0097% | 4,913 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0262% | 4,087 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0068% | 4,881 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2175% | 5,396 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1596% | 5,206 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 501 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1605% | 5,145 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0178% | 5,154 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0535% | 5,576 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0086% | 3,097 |
| Percentage Net Loans Charged-off:Construction & development | -0.0780% | 4,975 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0139% | 1,516 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0202% | 2,760 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0647% | 4,293 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0389% | 2,395 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3578% | 5,557 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1147% | 5,472 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 747 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1153% | 5,412 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3068% | 5,497 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0547% | 5,572 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0054% | 4,869 |
| Percentage Net Loans Charged-off:Construction & development | -0.0425% | 4,952 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0189% | 5,391 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0808% | 4,358 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0045% | 5,136 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2387% | 5,475 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1057% | 5,391 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 684 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1063% | 5,331 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4218% | 5,578 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0299% | 5,331 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 4,688 |
| Percentage Net Loans Charged-off:Construction & development | 0.0450% | 494 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,187 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0233% | 5,494 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1066% | 4,433 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0028% | 5,109 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1929% | 5,430 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0918% | 5,251 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 596 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0923% | 5,196 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0753% | 5,448 |
| 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 | -0.0368% | 5,369 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0239% | 1,768 |
| Percentage Net Loans Charged-off:Construction & development | 0.1994% | 271 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0807% | 1,304 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3882% | 248 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4158% | 5,791 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1757% | 5,399 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 478 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1766% | 5,349 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0772% | 5,467 |
| 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 | 0.0978% | 3,108 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1208% | 2,134 |
| Percentage Net Loans Charged-off:Construction & development | -0.0271% | 5,065 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1822% | 1,246 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0509% | 2,913 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0346% | 4,465 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0782% | 2,502 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0390% | 2,508 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0696% | 5,573 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 778 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0700% | 5,506 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1273% | 5,637 |
| 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 | 0.1359% | 2,437 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1628% | 1,612 |
| Percentage Net Loans Charged-off:Construction & development | -0.0964% | 5,330 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2473% | 930 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0720% | 2,429 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0357% | 4,496 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1071% | 1,995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0657% | 2,011 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0371% | 5,349 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 720 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0374% | 5,282 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1319% | 5,700 |
| 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 | 0.2407% | 1,600 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2489% | 1,180 |
| Percentage Net Loans Charged-off:Construction & development | -0.1026% | 5,408 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3717% | 700 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1030% | 1,978 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0323% | 4,498 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1486% | 1,643 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3074% | 1,204 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0855% | 5,486 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 642 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0860% | 5,420 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0605% | 5,635 |
| 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 | -0.0448% | 5,760 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0350% | 2,112 |
| Percentage Net Loans Charged-off:Construction & development | -0.0630% | 5,422 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0103% | 5,744 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2526% | 1,040 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0331% | 4,529 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3515% | 831 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5076% | 6,049 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1918% | 5,685 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 507 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1928% | 5,628 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0597% | 5,650 |
| 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 | 0.0342% | 4,758 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0414% | 6,275 |
| Percentage Net Loans Charged-off:Construction & development | -0.0606% | 5,504 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0075% | 2,633 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0313% | 6,246 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0371% | 4,716 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0285% | 6,209 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0592% | 5,440 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.4407% | 57 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 806 |
| Percentage Net Loans Charged-off: Other loans to individual | 9.9368% | 47 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8680% | 498 |
| 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 | 0.1171% | 3,376 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0322% | 3,696 |
| Percentage Net Loans Charged-off:Construction & development | 0.5494% | 952 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0102% | 2,288 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0400% | 6,301 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0367% | 4,738 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0418% | 6,293 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0713% | 5,495 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.9207% | 47 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 736 |
| Percentage Net Loans Charged-off: Other loans to individual | 11.5827% | 41 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2914% | 392 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0507% | 3,961 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0463% | 3,242 |
| Percentage Net Loans Charged-off:Construction & development | 0.8902% | 749 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0051% | 5,973 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0280% | 6,219 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0366% | 4,715 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0233% | 6,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0534% | 5,323 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.8355% | 123 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Other loans to individual | 6.2565% | 102 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3111% | 6,000 |
| 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 | 0.2106% | 2,154 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0600% | 2,536 |
| Percentage Net Loans Charged-off:Construction & development | 2.0230% | 417 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0786% | 6,526 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1429% | 6,596 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0371% | 4,736 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2000% | 6,645 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6932% | 819 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.0310% | 93 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 8.8243% | 75 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1758% | 5,955 |
| 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 | 1.3060% | 740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8544% | 1,192 |
| Percentage Net Loans Charged-off:Construction & development | 6.7215% | 410 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3203% | 1,924 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0899% | 3,758 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0443% | 5,013 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1815% | 2,968 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7684% | 942 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3432% | 178 |
| Percentage Net Loans Charged-off: Credit card loans | 19.0489% | 29 |
| Percentage Net Loans Charged-off: Other loans to individual | 3.2904% | 321 |
| Percentage Net Loans Charged-off: All other loans and lease | 9.6588% | 148 |
| 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 | 1.7877% | 441 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3403% | 651 |
| Percentage Net Loans Charged-off:Construction & development | 7.5460% | 365 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8573% | 939 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1072% | 3,342 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0592% | 5,068 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2326% | 2,527 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0312% | 772 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4052% | 315 |
| Percentage Net Loans Charged-off: Credit card loans | 25.4047% | 17 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2152% | 2,952 |
| Percentage Net Loans Charged-off: All other loans and lease | 12.5315% | 128 |
| 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 | 2.2709% | 331 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9783% | 395 |
| Percentage Net Loans Charged-off:Construction & development | 11.0280% | 240 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2966% | 624 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1083% | 6,886 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0320% | 5,043 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1693% | 6,927 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9105% | 568 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.8506% | 224 |
| Percentage Net Loans Charged-off: Credit card loans | 36.9771% | 9 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1955% | 2,803 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.8809% | 194 |
| 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 | 1.7166% | 560 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6094% | 1,392 |
| Percentage Net Loans Charged-off:Construction & development | 6.2818% | 372 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0022% | 6,421 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0176% | 6,531 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0385% | 5,064 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.3816% | 364 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.1992% | 110 |
| Percentage Net Loans Charged-off: Credit card loans | 73.7550% | 3 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1509% | 2,485 |
| Percentage Net Loans Charged-off: All other loans and lease | 10.7261% | 121 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7440% | 861 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7270% | 835 |
| Percentage Net Loans Charged-off:Construction & development | 1.3665% | 1,958 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8424% | 642 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7472% | 1,640 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4821% | 605 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0097% | 4,652 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9273% | 1,232 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2581% | 695 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.5362% | 512 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3070% | 994 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9673% | 651 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8323% | 691 |
| Percentage Net Loans Charged-off:Construction & development | 1.8742% | 1,559 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9277% | 512 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9790% | 1,215 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9849% | 420 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0965% | 7,121 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5685% | 857 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0650% | 461 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | 3.4277% | 334 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3348% | 875 |
| 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 | 2.2304% | 577 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1951% | 549 |
| Percentage Net Loans Charged-off:Construction & development | 2.4833% | 1,252 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4967% | 400 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3936% | 2,185 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8192% | 793 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0956% | 7,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5465% | 824 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2836% | 437 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | 3.6323% | 315 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1388% | 6,276 |
| 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 | 1.5078% | 903 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8658% | 620 |
| Percentage Net Loans Charged-off:Construction & development | 4.6171% | 660 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7939% | 492 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0331% | 7,002 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0683% | 7,114 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4176% | 1,726 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6644% | 1,807 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7268% | 1,389 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.9597% | 564 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5460% | 1,254 |
| Percentage Net Loans Charged-off:Construction & development | 3.0910% | 1,725 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3027% | 1,018 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0330% | 1,347 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0331% | 1,899 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8912% | 731 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.3652% | 343 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.6509% | 350 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 8.1324% | 218 |
| 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 | 3.4563% | 398 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5172% | 1,176 |
| Percentage Net Loans Charged-off:Construction & development | 3.1326% | 1,557 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2002% | 979 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0359% | 1,219 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0044% | 1,703 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9022% | 638 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.9095% | 208 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0582% | 1,014 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 8.9039% | 195 |
| 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 | 3.7430% | 371 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3436% | 1,243 |
| Percentage Net Loans Charged-off:Construction & development | 1.2596% | 1,880 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4993% | 717 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6297% | 1,645 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1550% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 11.3653% | 182 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4535% | 826 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 12.5398% | 138 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5531% | 2,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0217% | 3,926 |
| Percentage Net Loans Charged-off:Construction & development | 0.1020% | 1,936 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,124 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3130% | 968 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.6373% | 403 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1861% | 6,649 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.8312% | 778 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2860% | 911 |
| Percentage Net Loans Charged-off:Construction & development | 8.8989% | 697 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1101% | 2,821 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8658% | 1,439 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5902% | 838 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5101% | 1,152 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9155% | 1,400 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,179 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 14.0453% | 192 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7253% | 1,175 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3767% | 1,215 |
| Percentage Net Loans Charged-off:Construction & development | 5.2708% | 929 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0182% | 2,708 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6273% | 1,525 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1496% | 923 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3875% | 1,969 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2827% | 1,088 |
| 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 | 16.8325% | 149 |
| 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 | 1.1770% | 1,552 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0893% | 1,289 |
| Percentage Net Loans Charged-off:Construction & development | 4.3548% | 916 |
| 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 | -0.0127% | 7,679 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0231% | 7,735 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5616% | 1,550 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8143% | 2,680 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2038% | 1,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3404% | 831 |
| Percentage Net Loans Charged-off:Construction & development | 5.1886% | 552 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0129% | 7,647 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0233% | 7,703 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8595% | 1,527 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4602% | 1,534 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2164% | 994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8555% | 1,068 |
| Percentage Net Loans Charged-off:Construction & development | 2.4166% | 972 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1227% | 1,661 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1059% | 535 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9008% | 289 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5544% | 810 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6244% | 3,296 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,198 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4151% | 1,986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3401% | 1,550 |
| Percentage Net Loans Charged-off:Construction & development | 0.9120% | 1,139 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1479% | 1,088 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,509 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6876% | 1,703 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6967% | 2,593 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3231% | 2,016 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2144% | 1,658 |
| Percentage Net Loans Charged-off:Construction & development | 0.3059% | 1,172 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2235% | 705 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7068% | 1,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5617% | 2,684 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0504% | 3,749 |
| 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 | 0.2333% | 1,562 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0509% | 3,897 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0043% | 7,687 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0144% | 8,064 |
| Percentage Net Loans Charged-off:Construction & development | -0.0615% | 7,696 |
| 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 | 0.0475% | 2,476 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0922% | 1,859 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0457% | 3,603 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1309% | 7,811 |
| 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 | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0343% | 7,866 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0201% | 7,929 |
| Percentage Net Loans Charged-off:Construction & development | -0.0841% | 7,696 |
| 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 | 0.0802% | 1,572 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1705% | 971 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0919% | 7,388 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1889% | 7,773 |
| 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 | -0.0562% | 7,940 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0364% | 8,045 |
| Percentage Net Loans Charged-off:Construction & development | -0.1264% | 7,708 |
| 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 | -0.1423% | 7,511 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2469% | 7,747 |
| 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 | -0.0796% | 7,958 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0724% | 8,226 |
| Percentage Net Loans Charged-off:Construction & development | -0.2488% | 7,713 |
| 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 | -0.1014% | 7,375 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4247% | 7,834 |
| 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 | 0.0992% | 3,255 |
| 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 | 0.6624% | 1,375 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1084% | 7,808 |
| 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 | 0.1691% | 1,844 |
| 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 | 1.1370% | 702 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0241% | 7,198 |
| 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 | 0.2545% | 1,220 |
| 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 | 1.7731% | 481 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4752% | 8,130 |
| 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 | -0.0043% | 6,587 |
| 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 | -0.0073% | 6,600 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2174% | 7,417 |
| 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 | 0.0210% | 5,640 |
| 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 | 0.1708% | 2,927 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1860% | 8,174 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| 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 | 0.0067% | 5,807 |
| 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 | 0.0699% | 2,938 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2007% | 8,069 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0125% | 5,086 |
| 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 | 0.1111% | 2,337 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1514% | 7,769 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0373% | 3,542 |
| 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 | 0.2434% | 1,352 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4489% | 2,740 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0757% | 4,669 |
| 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 | 0.5279% | 2,064 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6148% | 3,311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0965% | 3,693 |
| 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 | 0.7113% | 1,424 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4163% | 3,799 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0889% | 3,590 |
| 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 | 0.6778% | 1,369 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0393% | 5,502 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0269% | 4,253 |
| 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 | 0.2312% | 1,538 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,682 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1062% | 4,678 |
| 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 | 0.7939% | 2,002 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,896 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0541% | 8,635 |
| 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 | -0.3922% | 8,363 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,497 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0674% | 4,586 |
| 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 | 0.4663% | 2,028 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 6,001 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0019% | 7,327 |
| 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 | -0.0131% | 7,277 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0268% | 8,777 |
| 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 | -0.1643% | 8,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1920% | 6,056 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1205% | 4,738 |
| 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 | 0.4511% | 2,803 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6041% | 3,674 |
| 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 | 0.3592% | 1,879 |
| 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 | -0.0069% | 9,024 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0380% | 6,725 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0093% | 8,148 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1898% | 4,211 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4345% | 1,984 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0935% | 11,372 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1644% | 5,918 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1344% | 13,153 |
| 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 |