Home > Jefferson Federal Bank > Net charge- offs to loans
Jefferson Federal Bank, Net charge- offs to loans
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0634% | 2,518 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0796% | 1,761 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0582% | 872 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1457% | 1,381 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1772% | 1,204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,326 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1437% | 5,572 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1437% | 5,511 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5949% | 1,109 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4875% | 1,141 |
| Percentage Net Loans Charged-off:Construction & development | 0.9605% | 842 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4527% | 1,113 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.3823% | 141 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0683% | 3,311 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0239% | 1,376 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0769% | 3,069 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0813% | 951 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4975% | 710 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4975% | 633 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 15.3061% | 16 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3768% | 1,695 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2500% | 1,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.5162% | 970 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0618% | 6,291 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.2983% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0543% | 3,202 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0646% | 2,952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0424% | 890 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2431% | 2,693 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2431% | 2,539 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 19.9160% | 13 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1500% | 2,903 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0926% | 2,800 |
| Percentage Net Loans Charged-off:Construction & development | 0.6056% | 847 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0168% | 1,953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0516% | 2,922 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0611% | 2,680 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4503% | 1,325 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3011% | 2,307 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3011% | 2,153 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 7.7990% | 16 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2897% | 1,807 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1683% | 1,917 |
| Percentage Net Loans Charged-off:Construction & development | 1.2336% | 522 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0100% | 6,142 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1029% | 2,053 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1216% | 1,861 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9611% | 699 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6856% | 1,331 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6856% | 1,211 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 16.6834% | 9 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0721% | 350 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6135% | 499 |
| Percentage Net Loans Charged-off:Construction & development | 0.1923% | 2,096 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8344% | 1,062 |
| Percentage Net Loans Charged-off: Multi-family residential | 20.6065% | 30 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8518% | 1,069 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6587% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8870% | 1,029 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.9683% | 269 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5301% | 2,293 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5301% | 2,137 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -3.0334% | 1,463 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5939% | 238 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9728% | 340 |
| Percentage Net Loans Charged-off:Construction & development | 0.1165% | 2,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0644% | 780 |
| Percentage Net Loans Charged-off: Multi-family residential | 28.1934% | 21 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8172% | 1,097 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0720% | 1,454 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9536% | 934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.5552% | 188 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2607% | 2,942 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2607% | 2,765 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -3.8551% | 1,450 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.5893% | 143 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5942% | 242 |
| Percentage Net Loans Charged-off:Construction & development | 0.1844% | 1,738 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5876% | 517 |
| Percentage Net Loans Charged-off: Multi-family residential | 41.7358% | 16 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4368% | 1,802 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1056% | 1,223 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4972% | 1,605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.7579% | 129 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2993% | 2,607 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2993% | 2,430 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -5.7112% | 1,423 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2491% | 83 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.9949% | 90 |
| Percentage Net Loans Charged-off:Construction & development | 0.4153% | 1,175 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.1311% | 240 |
| Percentage Net Loans Charged-off: Multi-family residential | 82.1875% | 12 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5959% | 1,333 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0625% | 957 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6929% | 1,129 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.1990% | 212 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1615% | 6,041 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1615% | 5,965 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3719% | 515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7511% | 2,058 |
| Percentage Net Loans Charged-off:Construction & development | 1.2752% | 1,999 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3820% | 2,239 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.0553% | 222 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5345% | 2,139 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3801% | 1,383 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5611% | 2,010 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.1507% | 168 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6058% | 1,026 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5401% | 909 |
| Percentage Net Loans Charged-off: All other loans and lease | 67.4165% | 35 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4228% | 1,041 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8426% | 1,704 |
| Percentage Net Loans Charged-off:Construction & development | 1.2572% | 1,779 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3058% | 2,056 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.6018% | 171 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6605% | 1,671 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3706% | 1,217 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7098% | 1,522 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3053% | 942 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7702% | 872 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6787% | 764 |
| Percentage Net Loans Charged-off: All other loans and lease | 88.0215% | 23 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6269% | 899 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1170% | 1,267 |
| Percentage Net Loans Charged-off:Construction & development | 1.8749% | 1,394 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2613% | 1,907 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.6614% | 119 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8656% | 1,318 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5475% | 948 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9197% | 1,210 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3189% | 1,363 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7756% | 1,815 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7224% | 1,611 |
| Percentage Net Loans Charged-off: All other loans and lease | 125.6090% | 15 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4355% | 950 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2941% | 966 |
| Percentage Net Loans Charged-off:Construction & development | 0.3450% | 1,452 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0028% | 1,890 |
| Percentage Net Loans Charged-off: Multi-family residential | 18.5615% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8833% | 1,057 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0831% | 531 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8495% | 1,028 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8749% | 872 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0659% | 3,248 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0591% | 3,083 |
| Percentage Net Loans Charged-off: All other loans and lease | 17.6741% | 90 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1721% | 1,900 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7007% | 2,441 |
| Percentage Net Loans Charged-off:Construction & development | 2.2431% | 1,989 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5858% | 1,878 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3802% | 2,677 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0191% | 1,919 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4370% | 2,400 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0086% | 813 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4569% | 3,557 |
| 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 | 0.6993% | 947 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0180% | 1,978 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3937% | 3,049 |
| Percentage Net Loans Charged-off:Construction & development | 1.2829% | 2,136 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0928% | 2,803 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4101% | 2,337 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0254% | 1,675 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4696% | 2,099 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7594% | 606 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3473% | 3,641 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1131% | 1,704 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3625% | 2,875 |
| Percentage Net Loans Charged-off:Construction & development | 0.9810% | 2,007 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1371% | 2,180 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3800% | 2,181 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4391% | 1,955 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.6236% | 501 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5427% | 2,824 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1036% | 1,524 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3646% | 2,370 |
| Percentage Net Loans Charged-off:Construction & development | 1.6628% | 1,284 |
| 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 | 0.2549% | 2,105 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2952% | 1,909 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.7046% | 462 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2220% | 3,297 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3872% | 4,271 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3453% | 3,417 |
| Percentage Net Loans Charged-off:Construction & development | 1.3722% | 2,371 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0658% | 3,042 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1228% | 3,752 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0176% | 1,900 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1395% | 3,459 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5251% | 3,704 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2905% | 2,202 |
| 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 | 0.9504% | 1,011 |
| 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 | 0.2635% | 4,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1750% | 3,752 |
| Percentage Net Loans Charged-off:Construction & development | 0.4065% | 2,590 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0876% | 2,360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1474% | 3,160 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0236% | 1,587 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1666% | 2,871 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6981% | 2,790 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2336% | 2,080 |
| 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 | 0.5277% | 1,089 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2236% | 4,103 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0922% | 3,852 |
| Percentage Net Loans Charged-off:Construction & development | 0.1355% | 2,474 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0247% | 2,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1376% | 2,779 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0447% | 1,244 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1516% | 2,531 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9301% | 2,074 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3693% | 1,767 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1146% | 4,051 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0367% | 3,401 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0918% | 2,268 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0894% | 778 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0922% | 2,071 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3578% | 2,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0295% | 1,129 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1617% | 4,582 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1414% | 3,292 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0521% | 7,886 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3500% | 1,581 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4032% | 1,343 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0229% | 7,234 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4545% | 751 |
| 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 | 4.6201% | 342 |
| 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 | 0.0669% | 4,952 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0547% | 3,488 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1389% | 8,003 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1891% | 1,768 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2184% | 1,515 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0981% | 3,272 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6008% | 2,905 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0534% | 4,623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0356% | 3,145 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2067% | 8,078 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1874% | 1,498 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2148% | 1,300 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1379% | 2,530 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4100% | 3,168 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0593% | 3,612 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0708% | 1,919 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4423% | 8,159 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3806% | 737 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4362% | 628 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1304% | 7,219 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0272% | 5,608 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0273% | 3,344 |
| Percentage Net Loans Charged-off:Construction & development | 0.0035% | 1,555 |
| 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 | 0.0551% | 2,367 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0638% | 2,109 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,946 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2508% | 4,277 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0298% | 4,754 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0289% | 2,472 |
| Percentage Net Loans Charged-off:Construction & development | 0.0048% | 1,071 |
| 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 | 0.0570% | 1,817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0662% | 1,610 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3351% | 3,394 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0048% | 5,250 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0023% | 2,657 |
| Percentage Net Loans Charged-off:Construction & development | 0.0072% | 754 |
| 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 | 0.1902% | 3,719 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0020% | 4,470 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0046% | 1,781 |
| Percentage Net Loans Charged-off:Construction & development | 0.0146% | 413 |
| 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 | -0.1227% | 7,139 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0820% | 3,630 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0873% | 1,447 |
| Percentage Net Loans Charged-off:Construction & development | 0.3282% | 282 |
| 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 | 0.5024% | 2,876 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0897% | 2,901 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0990% | 1,077 |
| Percentage Net Loans Charged-off:Construction & development | 0.3874% | 178 |
| 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 | 0.4032% | 2,953 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1054% | 2,403 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1122% | 905 |
| Percentage Net Loans Charged-off:Construction & development | 0.4571% | 123 |
| 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 | 0.6427% | 1,943 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0343% | 3,174 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0052% | 1,552 |
| Percentage Net Loans Charged-off:Construction & development | 0.0222% | 221 |
| 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 | 1.4815% | 847 |
| 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 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0149% | 5,881 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0028% | 3,416 |
| Percentage Net Loans Charged-off:Construction & development | 0.0131% | 618 |
| 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 | 0.5464% | 3,374 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| 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 | 0.0031% | 6,008 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0038% | 2,907 |
| Percentage Net Loans Charged-off:Construction & development | 0.0177% | 462 |
| 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 | 0.1267% | 3,744 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1450% | 1,228 |
| Percentage Net Loans Charged-off:Construction & development | 0.4270% | 251 |
| 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 | 0.0966% | 1,628 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1133% | 1,462 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4664% | 3,976 |
| 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 | 0.1669% | 2,666 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1959% | 803 |
| Percentage Net Loans Charged-off:Construction & development | 0.5834% | 172 |
| 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 | 0.1280% | 1,161 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1496% | 1,026 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4482% | 3,645 |
| 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 | 0.1132% | 3,186 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1222% | 1,122 |
| Percentage Net Loans Charged-off:Construction & development | 0.0247% | 408 |
| 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 | 0.1884% | 817 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2198% | 733 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6213% | 2,785 |
| 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 | 0.0132% | 4,688 |
| 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 | 0.5229% | 2,869 |
| 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 | 0.0464% | 5,970 |
| 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 | 1.0768% | 2,158 |
| 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 | 0.0613% | 5,111 |
| 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 | 1.2849% | 1,573 |
| 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 | 0.0038% | 6,394 |
| 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 | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0687% | 5,756 |
| 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 | 0.0000% | 5,539 |
| 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 | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3218% | 2,571 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4256% | 517 |
| Percentage Net Loans Charged-off:Construction & development | 2.2129% | 140 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2965% | 112 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1037% | 1,628 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1159% | 1,510 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0641% | 4,469 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0410% | 6,978 |
| 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 | 0.1084% | 4,955 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1648% | 1,171 |
| 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 | 0.2235% | 857 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2447% | 782 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0047% | 8,807 |
| 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 | 3.5211% | 277 |
| 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 | 0.0405% | 6,061 |
| 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 | 0.0010% | 7,885 |
| 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 | 0.0000% | 8,132 |
| 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 | 0.0031% | 8,427 |
| 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 | 0.0000% | 8,805 |
| 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 |