Home > Liberty Bank > Net charge- offs to loans
Liberty Bank, Net charge- offs to loans
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0111% | 2,969 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,078 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| 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 | 0.0000% | 1,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,718 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0278% | 1,083 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3021% | 1,713 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3021% | 1,593 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2438% | 1,748 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2371% | 1,298 |
| Percentage Net Loans Charged-off:Construction & development | -0.0370% | 5,097 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3408% | 893 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2760% | 1,269 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1632% | 786 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2936% | 1,157 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2441% | 1,691 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7352% | 1,314 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7352% | 1,203 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0249% | 5,434 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2684% | 1,461 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2681% | 1,073 |
| Percentage Net Loans Charged-off:Construction & development | -0.0029% | 5,008 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3525% | 768 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3362% | 984 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2215% | 649 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3538% | 908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2402% | 1,480 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7507% | 1,166 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7506% | 1,068 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0331% | 5,514 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1753% | 1,988 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1690% | 1,528 |
| Percentage Net Loans Charged-off:Construction & development | -0.0751% | 5,347 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1498% | 1,020 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3050% | 1,063 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3446% | 473 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2991% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1538% | 1,484 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7282% | 1,163 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7282% | 1,061 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0262% | 5,520 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1878% | 1,602 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2023% | 1,177 |
| Percentage Net Loans Charged-off:Construction & development | -0.0439% | 5,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1959% | 634 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3374% | 876 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0653% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3771% | 790 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0532% | 1,196 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7765% | 1,098 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7765% | 988 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0530% | 5,640 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2943% | 2,216 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2573% | 1,971 |
| Percentage Net Loans Charged-off:Construction & development | 0.5227% | 1,080 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2757% | 1,499 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2606% | 1,895 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0678% | 1,288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2876% | 1,712 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4603% | 1,617 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1850% | 955 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1850% | 865 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2115% | 5,909 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3387% | 1,855 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2928% | 1,716 |
| Percentage Net Loans Charged-off:Construction & development | 0.4043% | 1,037 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3466% | 1,183 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2906% | 1,665 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0900% | 1,122 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3186% | 1,515 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5767% | 1,275 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2643% | 812 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2643% | 731 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2569% | 5,987 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2292% | 2,353 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1592% | 2,313 |
| Percentage Net Loans Charged-off:Construction & development | 0.3551% | 959 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1213% | 1,537 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1831% | 2,093 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1343% | 926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1899% | 1,948 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5004% | 1,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9939% | 483 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.9939% | 441 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2962% | 5,994 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3432% | 1,617 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2460% | 1,605 |
| Percentage Net Loans Charged-off:Construction & development | -0.0236% | 5,579 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3485% | 807 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2722% | 1,462 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2670% | 606 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2729% | 1,392 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9269% | 717 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7043% | 602 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7043% | 545 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6102% | 6,080 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8939% | 1,277 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6600% | 1,553 |
| Percentage Net Loans Charged-off:Construction & development | 2.2593% | 1,021 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6609% | 1,277 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0577% | 5,488 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5462% | 1,661 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2656% | 1,310 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5886% | 1,483 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3596% | 726 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6888% | 766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6888% | 697 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0226% | 5,897 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9037% | 1,206 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6284% | 1,567 |
| Percentage Net Loans Charged-off:Construction & development | 2.0420% | 1,010 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5804% | 1,263 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0747% | 5,527 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6017% | 1,510 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2831% | 1,156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6510% | 1,337 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6169% | 604 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4904% | 860 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4904% | 772 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0290% | 5,962 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9682% | 1,146 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6330% | 1,542 |
| Percentage Net Loans Charged-off:Construction & development | 2.5556% | 839 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6052% | 1,125 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1105% | 5,550 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4483% | 1,778 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2207% | 1,097 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4843% | 1,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0260% | 548 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0441% | 1,194 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0441% | 1,068 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0218% | 5,927 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6855% | 572 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2008% | 776 |
| Percentage Net Loans Charged-off:Construction & development | 1.4180% | 847 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0153% | 386 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2180% | 5,613 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6538% | 1,245 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1180% | 912 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7400% | 1,076 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.5966% | 350 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1904% | 980 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1904% | 881 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0216% | 5,964 |
| 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 | 0.7311% | 2,326 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7583% | 2,046 |
| Percentage Net Loans Charged-off:Construction & development | 1.5936% | 1,857 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2117% | 2,690 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3136% | 819 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4311% | 846 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0034% | 840 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5039% | 817 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5851% | 2,605 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8906% | 843 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6851% | 825 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1591% | 6,254 |
| 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 | 0.5796% | 2,512 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5811% | 2,194 |
| Percentage Net Loans Charged-off:Construction & development | 1.2205% | 1,793 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1633% | 2,465 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0967% | 792 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0826% | 1,091 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7312% | 914 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1427% | 1,018 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5610% | 2,310 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7322% | 888 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5065% | 867 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2032% | 6,316 |
| 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 | 0.3917% | 2,992 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3764% | 2,644 |
| Percentage Net Loans Charged-off:Construction & development | 1.1200% | 1,633 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1069% | 2,264 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1468% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6683% | 1,605 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7937% | 810 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6465% | 1,558 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4027% | 2,316 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5344% | 994 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2822% | 949 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0498% | 1,196 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3427% | 2,690 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3414% | 2,270 |
| Percentage Net Loans Charged-off:Construction & development | 1.9081% | 1,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1497% | 1,565 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3509% | 1,845 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0648% | 984 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4005% | 1,635 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2978% | 1,865 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1697% | 1,196 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9052% | 1,162 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0988% | 821 |
| 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 | 0.6079% | 3,213 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5738% | 2,767 |
| Percentage Net Loans Charged-off:Construction & development | 1.5301% | 2,258 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6122% | 1,821 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0031% | 1,096 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4813% | 2,348 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2963% | 1,484 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5156% | 2,181 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6469% | 3,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6281% | 787 |
| 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 | -0.0064% | 6,242 |
| 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 | 0.5978% | 2,950 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5435% | 2,590 |
| Percentage Net Loans Charged-off:Construction & development | 1.3875% | 2,083 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7576% | 1,392 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0041% | 885 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2880% | 2,768 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0815% | 1,604 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3269% | 2,525 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7021% | 2,619 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9683% | 642 |
| 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 | -0.0093% | 6,299 |
| 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 | 0.5007% | 3,036 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3981% | 2,751 |
| Percentage Net Loans Charged-off:Construction & development | 0.6431% | 2,180 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4523% | 1,547 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0062% | 707 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4130% | 2,099 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0706% | 1,345 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4787% | 1,874 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8331% | 2,183 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1314% | 617 |
| 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 | -0.0155% | 6,319 |
| 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 | 0.3799% | 2,914 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1313% | 3,210 |
| Percentage Net Loans Charged-off:Construction & development | -0.1446% | 7,021 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1752% | 1,490 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0121% | 452 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1462% | 2,459 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0198% | 965 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1711% | 2,223 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4425% | 1,302 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0932% | 480 |
| 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 | -0.0294% | 6,397 |
| 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 | 0.6112% | 3,383 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4727% | 2,996 |
| Percentage Net Loans Charged-off:Construction & development | 1.6226% | 2,243 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2292% | 2,350 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4507% | 2,216 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1993% | 1,608 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5070% | 1,985 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8543% | 3,066 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9897% | 396 |
| 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 | 0.0380% | 1,986 |
| 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 | 0.6216% | 2,814 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4572% | 2,563 |
| Percentage Net Loans Charged-off:Construction & development | 1.5245% | 1,913 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2480% | 1,827 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4409% | 1,944 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0961% | 1,496 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5201% | 1,680 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0055% | 2,378 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0178% | 371 |
| 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 | 0.0581% | 1,687 |
| 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 | 0.7808% | 2,112 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6011% | 1,913 |
| Percentage Net Loans Charged-off:Construction & development | 2.4102% | 1,322 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3313% | 1,285 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4928% | 1,598 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1716% | 1,121 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5689% | 1,377 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2218% | 1,792 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.3193% | 344 |
| 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 | 0.1201% | 1,350 |
| 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 | 0.7538% | 1,690 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4384% | 1,735 |
| Percentage Net Loans Charged-off:Construction & development | 1.5255% | 1,070 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2772% | 854 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3299% | 1,539 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0369% | 810 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4027% | 1,299 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8709% | 1,002 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.1702% | 272 |
| 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 | -0.0622% | 6,780 |
| 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 | 0.6648% | 1,863 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5345% | 1,608 |
| Percentage Net Loans Charged-off:Construction & development | 1.8209% | 1,154 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2066% | 1,391 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0041% | 6,221 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4782% | 1,248 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1999% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2846% | 1,725 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5565% | 2,581 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4466% | 244 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4942% | 1,703 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4130% | 1,355 |
| Percentage Net Loans Charged-off:Construction & development | 1.4508% | 882 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1529% | 1,067 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0055% | 6,208 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3177% | 1,278 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3258% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3155% | 1,194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1962% | 2,854 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.4493% | 267 |
| 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 | 0.4073% | 1,656 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3563% | 1,203 |
| Percentage Net Loans Charged-off:Construction & development | 1.1458% | 716 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1261% | 871 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0167% | 240 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3356% | 1,055 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3520% | 530 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3312% | 981 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1165% | 2,604 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2885% | 401 |
| 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 | -0.0325% | 6,843 |
| 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 | 0.2830% | 1,723 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2379% | 1,129 |
| Percentage Net Loans Charged-off:Construction & development | 0.6906% | 537 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1017% | 588 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0325% | 127 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2376% | 965 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0561% | 532 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2871% | 796 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1649% | 1,696 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1291% | 694 |
| 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 | 0.2598% | 2,109 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1686% | 1,540 |
| Percentage Net Loans Charged-off:Construction & development | -0.0148% | 7,644 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1013% | 1,067 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3575% | 185 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3708% | 731 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4578% | 577 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4547% | 1,986 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9684% | 654 |
| 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 | -0.0411% | 6,995 |
| 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 | 0.2076% | 1,918 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1339% | 1,219 |
| Percentage Net Loans Charged-off:Construction & development | -0.0200% | 7,634 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0174% | 1,051 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3935% | 492 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4823% | 401 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2610% | 2,016 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8825% | 614 |
| 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 | -0.0592% | 7,056 |
| 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 | 0.1077% | 2,646 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0306% | 1,973 |
| Percentage Net Loans Charged-off:Construction & development | -0.0311% | 7,652 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0122% | 7,910 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0783% | 1,328 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0960% | 1,125 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2747% | 1,648 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4277% | 839 |
| 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 | -0.0441% | 7,006 |
| 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 | 0.0188% | 3,776 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0216% | 7,953 |
| Percentage Net Loans Charged-off:Construction & development | -0.0634% | 7,672 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0229% | 8,034 |
| 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 | 0.0431% | 1,706 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6651% | 1,794 |
| 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 | 1.2058% | 369 |
| 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 | 0.1250% | 2,855 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0315% | 2,381 |
| Percentage Net Loans Charged-off:Construction & development | 0.1202% | 452 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0200% | 1,141 |
| 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 | 0.6568% | 1,384 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6936% | 2,198 |
| 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 | -0.3747% | 7,423 |
| 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 | 0.1190% | 2,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0063% | 2,665 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0176% | 903 |
| 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 | 0.8200% | 913 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6487% | 2,059 |
| 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 | -0.4786% | 7,488 |
| 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 | 0.1702% | 1,720 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0096% | 2,172 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0266% | 699 |
| 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 | 1.3129% | 619 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5258% | 2,270 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6853% | 7,505 |
| 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 | 0.3550% | 789 |
| 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 | 3.1665% | 245 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1081% | 3,485 |
| 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 | -1.2596% | 7,507 |
| 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 | 0.0721% | 4,260 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0015% | 7,585 |
| Percentage Net Loans Charged-off:Construction & development | -0.0030% | 7,689 |
| 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 | -0.0032% | 7,861 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0039% | 7,869 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0379% | 3,774 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2388% | 1,389 |
| 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 | 0.8101% | 659 |
| 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 | 0.0626% | 3,880 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 3,023 |
| Percentage Net Loans Charged-off:Construction & development | 0.0063% | 509 |
| 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 | 0.0464% | 3,090 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1251% | 1,415 |
| 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 | 0.0671% | 3,497 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0032% | 7,580 |
| 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 | -0.0102% | 7,938 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0124% | 7,958 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0738% | 2,508 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1746% | 1,301 |
| 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 | 0.0884% | 2,587 |
| 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 | 0.0353% | 1,862 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5721% | 932 |
| 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 | 0.1482% | 3,401 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0009% | 3,860 |
| 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 | 0.0027% | 3,180 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0033% | 3,000 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1159% | 3,511 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7887% | 919 |
| 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 | 1.0604% | 554 |
| 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 | 0.1313% | 3,165 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0029% | 3,221 |
| 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 | 0.0086% | 2,562 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0102% | 2,368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1448% | 2,808 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5016% | 1,108 |
| 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 | 0.5115% | 708 |
| 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 | 0.1473% | 2,763 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0031% | 2,707 |
| 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 | 0.0094% | 2,122 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0110% | 1,958 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1653% | 2,330 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5706% | 1,053 |
| 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 | 0.7624% | 531 |
| 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 | 0.1085% | 2,772 |
| 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 | -0.0764% | 7,445 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5403% | 1,203 |
| 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 | 0.1519% | 3,986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0099% | 3,623 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0266% | 1,398 |
| 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 | 0.0087% | 4,714 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4563% | 1,417 |
| 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% | 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 | 0.1019% | 4,272 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 3,267 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0130% | 1,188 |
| 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 | -0.2031% | 8,142 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2038% | 1,735 |
| 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 | 0.0909% | 4,132 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0074% | 2,710 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0199% | 894 |
| 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 | -0.3296% | 8,254 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1875% | 1,709 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.0439% | 4,310 |
| 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 | -0.2375% | 8,133 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6552% | 2,728 |
| 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 | 0.2401% | 3,252 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0404% | 2,759 |
| 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 | 0.1136% | 1,552 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1279% | 1,423 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7081% | 2,362 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9045% | 2,656 |
| 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 | 0.2929% | 2,742 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1151% | 1,505 |
| 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 | 0.3476% | 557 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3839% | 503 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5167% | 2,646 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9555% | 2,385 |
| 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% | 1,876 |
| 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 | 0.1968% | 3,192 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0420% | 469 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0522% | 259 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0580% | 394 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0628% | 344 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7700% | 316 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3836% | 893 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.1097% | 4,626 |
| 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 | 0.0783% | 5,624 |
| 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 | 0.0000% | 8,512 |
| 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 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,856 |
| 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 |