Home > Merchants and Farmers Bank > Net charge- offs to loans
Merchants and Farmers Bank, Net charge- offs to loans
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1456% | 2,940 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1370% | 2,456 |
| Percentage Net Loans Charged-off:Construction & development | -0.2705% | 5,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2781% | 1,180 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0089% | 5,218 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1072% | 2,504 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5264% | 595 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0331% | 2,905 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0028% | 2,357 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1006% | 3,104 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1006% | 2,958 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.8161% | 193 |
| 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 | 0.2010% | 2,213 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2099% | 1,750 |
| Percentage Net Loans Charged-off:Construction & development | -0.2251% | 5,884 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3242% | 830 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0092% | 5,269 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2017% | 1,677 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7189% | 404 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1120% | 1,898 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0250% | 1,622 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.3691% | 197 |
| 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 | 0.5930% | 1,953 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5893% | 1,711 |
| Percentage Net Loans Charged-off:Construction & development | 1.7260% | 1,179 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6831% | 1,239 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0108% | 5,437 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3102% | 2,426 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1073% | 596 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1750% | 3,005 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4497% | 2,184 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2178% | 3,371 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2178% | 3,197 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.8002% | 264 |
| 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 | 0.6375% | 1,726 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6380% | 1,554 |
| Percentage Net Loans Charged-off:Construction & development | 1.6915% | 1,108 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7990% | 985 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0107% | 5,479 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2935% | 2,387 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4853% | 419 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0914% | 3,295 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5179% | 1,834 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2498% | 2,986 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2498% | 2,811 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.1485% | 274 |
| 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 | 0.8308% | 1,334 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8784% | 1,111 |
| Percentage Net Loans Charged-off:Construction & development | 2.6580% | 826 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1565% | 698 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0107% | 5,488 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1931% | 2,648 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0804% | 286 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1279% | 6,888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5491% | 1,666 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1443% | 3,201 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1443% | 3,021 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.9393% | 255 |
| 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 | 0.4527% | 1,960 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4348% | 1,743 |
| Percentage Net Loans Charged-off:Construction & development | -1.5092% | 6,426 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1674% | 597 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0105% | 5,531 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1303% | 6,927 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3348% | 404 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3791% | 7,062 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4027% | 1,367 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1630% | 2,634 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1630% | 2,452 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.8450% | 230 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0346% | 1,682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9314% | 1,726 |
| Percentage Net Loans Charged-off:Construction & development | 2.3568% | 1,589 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8160% | 1,473 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5988% | 705 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8419% | 1,464 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4478% | 1,301 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9185% | 1,321 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5755% | 1,465 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3549% | 3,321 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3244% | 3,173 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.4910% | 252 |
| 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 | 0.9354% | 1,720 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7356% | 1,881 |
| Percentage Net Loans Charged-off:Construction & development | 1.1344% | 1,835 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5922% | 1,535 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7906% | 552 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0191% | 1,169 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5909% | 1,009 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1048% | 1,054 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1127% | 1,024 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3726% | 3,020 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3333% | 2,848 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.5543% | 220 |
| 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 | 0.3941% | 2,979 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1808% | 3,441 |
| Percentage Net Loans Charged-off:Construction & development | -1.2441% | 6,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2452% | 1,940 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1731% | 400 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5006% | 1,930 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5704% | 937 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4865% | 1,859 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4899% | 1,262 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2884% | 3,051 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2487% | 2,910 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.2624% | 220 |
| 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 | 0.5894% | 2,020 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2825% | 2,447 |
| Percentage Net Loans Charged-off:Construction & development | -0.3058% | 6,610 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0529% | 1,769 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.3484% | 206 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4998% | 1,554 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2939% | 847 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5411% | 1,392 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5904% | 691 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1192% | 3,081 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0961% | 2,942 |
| Percentage Net Loans Charged-off: All other loans and lease | 4.0546% | 203 |
| 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 | 1.6298% | 1,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5172% | 1,278 |
| Percentage Net Loans Charged-off:Construction & development | 4.0088% | 1,471 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2502% | 1,045 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0257% | 693 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7151% | 1,813 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3648% | 1,390 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7884% | 1,661 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7254% | 1,253 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1976% | 4,533 |
| 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 | 4.1661% | 353 |
| 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 | 1.3768% | 1,477 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2990% | 1,386 |
| Percentage Net Loans Charged-off:Construction & development | 3.2243% | 1,528 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9565% | 1,190 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3558% | 521 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5145% | 2,057 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3590% | 1,248 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5474% | 1,911 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1987% | 1,363 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2262% | 4,124 |
| 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 | 3.1320% | 385 |
| 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 | 1.9681% | 932 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9040% | 894 |
| Percentage Net Loans Charged-off:Construction & development | 5.0011% | 1,004 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4323% | 743 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0988% | 353 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6687% | 1,584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5355% | 939 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6973% | 1,478 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0532% | 960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2303% | 3,772 |
| 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 | 2.6246% | 365 |
| 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 | 1.9546% | 882 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2716% | 645 |
| Percentage Net Loans Charged-off:Construction & development | 2.9401% | 1,045 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8531% | 322 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.1761% | 182 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4719% | 1,601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3288% | 796 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5034% | 1,487 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2215% | 2,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4609% | 2,703 |
| 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 | 2.2301% | 383 |
| 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 | 4.4880% | 328 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.8063% | 264 |
| Percentage Net Loans Charged-off:Construction & development | 18.8470% | 241 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6405% | 1,537 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3407% | 1,000 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3630% | 1,390 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5540% | 855 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5754% | 1,125 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3567% | 4,578 |
| 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 | 4.2866% | 456 |
| 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 | 3.0495% | 535 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2464% | 440 |
| Percentage Net Loans Charged-off:Construction & development | 12.0356% | 379 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0731% | 2,443 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2701% | 872 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2548% | 1,289 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4899% | 744 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3677% | 1,337 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3396% | 4,311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.9957% | 404 |
| 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 | 3.9331% | 361 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2421% | 267 |
| Percentage Net Loans Charged-off:Construction & development | 15.3958% | 248 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0960% | 1,845 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3176% | 778 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3625% | 951 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5230% | 654 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.7104% | 1,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4952% | 3,501 |
| 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 | 3.6786% | 365 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1120% | 1,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0468% | 979 |
| Percentage Net Loans Charged-off:Construction & development | 3.2472% | 739 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1527% | 1,014 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5928% | 1,100 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5544% | 565 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6010% | 1,032 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5215% | 1,147 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4649% | 3,018 |
| 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 | 3.7769% | 318 |
| 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 | 0.7484% | 1,655 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6952% | 1,297 |
| Percentage Net Loans Charged-off:Construction & development | 1.4154% | 1,328 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2439% | 1,301 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7266% | 876 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1983% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8389% | 719 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6419% | 2,382 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3746% | 4,215 |
| 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 | 6.5936% | 271 |
| 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 | 0.4012% | 2,041 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3041% | 1,664 |
| Percentage Net Loans Charged-off:Construction & development | 0.2419% | 1,729 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1718% | 1,023 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5756% | 806 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2585% | 741 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6428% | 683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5779% | 1,882 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3004% | 4,002 |
| 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 | 5.6893% | 237 |
| 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 | 0.3588% | 1,843 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2760% | 1,418 |
| Percentage Net Loans Charged-off:Construction & development | 0.1947% | 1,323 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1600% | 804 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5771% | 672 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3886% | 508 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6167% | 605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4397% | 1,756 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3098% | 3,566 |
| 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 | 5.4706% | 213 |
| 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 | 0.2629% | 1,813 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1864% | 1,293 |
| Percentage Net Loans Charged-off:Construction & development | 0.0447% | 1,034 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1649% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3980% | 715 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4812% | 583 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3472% | 1,369 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4542% | 2,600 |
| 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 | 4.0498% | 224 |
| 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 | 0.2806% | 1,948 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2883% | 991 |
| Percentage Net Loans Charged-off:Construction & development | 0.0662% | 1,290 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3309% | 610 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5835% | 457 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3399% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6280% | 420 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2524% | 2,550 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1496% | 4,875 |
| 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 | 4.4141% | 258 |
| 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 | 0.2216% | 1,809 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1728% | 1,029 |
| Percentage Net Loans Charged-off:Construction & development | -0.0078% | 7,602 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0796% | 770 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5248% | 375 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1467% | 470 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5920% | 327 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1859% | 2,274 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1231% | 4,557 |
| 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 | 3.7762% | 245 |
| 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 | 0.2052% | 1,683 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1653% | 861 |
| Percentage Net Loans Charged-off:Construction & development | -0.0073% | 7,602 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0635% | 619 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5097% | 363 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2400% | 305 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5557% | 326 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0853% | 2,252 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1927% | 3,706 |
| 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 | 4.0703% | 217 |
| 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 | 0.1100% | 2,086 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1070% | 850 |
| Percentage Net Loans Charged-off:Construction & development | -0.0084% | 7,609 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1437% | 295 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2196% | 595 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0103% | 5,955 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2592% | 505 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2201% | 7,650 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0325% | 3,747 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.0617% | 185 |
| 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 | 0.2616% | 1,562 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1743% | 834 |
| Percentage Net Loans Charged-off:Construction & development | 0.0321% | 664 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0087% | 7,891 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5463% | 293 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0133% | 672 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6375% | 243 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3412% | 2,009 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3591% | 3,569 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.7695% | 249 |
| 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 | 0.1909% | 1,680 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1212% | 926 |
| Percentage Net Loans Charged-off:Construction & development | 0.0543% | 445 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0113% | 935 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3371% | 411 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0144% | 6,000 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3965% | 355 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1272% | 2,277 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4142% | 2,892 |
| 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 | 3.5436% | 234 |
| 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 | 0.1151% | 2,278 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0510% | 1,417 |
| Percentage Net Loans Charged-off:Construction & development | 0.0688% | 305 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0016% | 7,901 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1119% | 980 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0056% | 5,945 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1314% | 857 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0765% | 2,170 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3545% | 2,923 |
| 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 | 2.6257% | 251 |
| 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 | 0.0999% | 2,107 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0344% | 1,149 |
| Percentage Net Loans Charged-off:Construction & development | -0.0063% | 7,659 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0016% | 7,977 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1169% | 720 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1353% | 630 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2385% | 1,137 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8149% | 1,509 |
| 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 | -0.1130% | 7,179 |
| 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 | 0.2595% | 1,830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0641% | 1,700 |
| Percentage Net Loans Charged-off:Construction & development | 0.0171% | 598 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0487% | 981 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1317% | 1,167 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3709% | 190 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1020% | 1,389 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8023% | 1,381 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6640% | 902 |
| 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 | -0.0222% | 7,018 |
| 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 | 0.2521% | 1,573 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0886% | 1,211 |
| Percentage Net Loans Charged-off:Construction & development | 0.0156% | 473 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0684% | 713 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1816% | 790 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4941% | 117 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1431% | 962 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6466% | 1,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5344% | 907 |
| 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 | -0.0224% | 7,030 |
| 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 | 0.2394% | 1,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1187% | 918 |
| Percentage Net Loans Charged-off:Construction & development | -0.0015% | 7,671 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1215% | 483 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2221% | 632 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6038% | 97 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1760% | 775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5393% | 1,338 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1617% | 1,321 |
| 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 | -0.0223% | 7,021 |
| 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 | 0.3343% | 1,055 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1625% | 601 |
| Percentage Net Loans Charged-off:Construction & development | -0.0033% | 7,713 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2411% | 240 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2308% | 550 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2159% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2326% | 556 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8929% | 752 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3266% | 1,131 |
| 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 | -0.0222% | 7,096 |
| 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 | 0.5724% | 935 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0212% | 3,009 |
| Percentage Net Loans Charged-off:Construction & development | 0.0020% | 744 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1366% | 912 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0666% | 8,517 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0744% | 8,506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1519% | 414 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4229% | 1,302 |
| 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 | -0.0508% | 7,267 |
| 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 | 0.4425% | 1,101 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0521% | 8,517 |
| Percentage Net Loans Charged-off:Construction & development | 0.0041% | 596 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0058% | 8,224 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1338% | 8,645 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1493% | 8,646 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5355% | 487 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5089% | 1,097 |
| 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 | -0.0707% | 7,310 |
| 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 | 0.6520% | 682 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0336% | 8,391 |
| Percentage Net Loans Charged-off:Construction & development | 0.0021% | 455 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0089% | 8,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0808% | 8,578 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0901% | 8,588 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8804% | 268 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5270% | 1,109 |
| 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 | -0.1572% | 7,472 |
| 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 | 1.2247% | 348 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0278% | 1,561 |
| 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 | 0.0717% | 1,103 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0798% | 992 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.7266% | 110 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4094% | 1,326 |
| 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 | -0.2098% | 7,487 |
| 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 | 0.4317% | 1,721 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2429% | 925 |
| Percentage Net Loans Charged-off:Construction & development | 0.1322% | 542 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0653% | 1,219 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4665% | 488 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2982% | 232 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4855% | 495 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5969% | 2,392 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7156% | 1,100 |
| 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 | 0.0879% | 1,575 |
| 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 | 0.3862% | 1,688 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1437% | 1,207 |
| Percentage Net Loans Charged-off:Construction & development | 0.1707% | 397 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0082% | 8,457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2707% | 740 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2354% | 217 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2746% | 731 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6835% | 1,862 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8349% | 891 |
| 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 | 0.1409% | 1,261 |
| 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 | 0.4883% | 1,270 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2200% | 795 |
| Percentage Net Loans Charged-off:Construction & development | 0.2960% | 287 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0080% | 941 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3803% | 516 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3531% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3833% | 523 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8507% | 1,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9851% | 807 |
| 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 | 0.2073% | 1,022 |
| 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 | 0.4554% | 1,214 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2228% | 651 |
| Percentage Net Loans Charged-off:Construction & development | 0.4780% | 150 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0186% | 572 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3213% | 502 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3576% | 463 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5744% | 1,355 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9313% | 918 |
| 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 | 0.3999% | 2,092 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1551% | 1,337 |
| Percentage Net Loans Charged-off:Construction & development | 0.1980% | 508 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0942% | 1,091 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2000% | 1,061 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0428% | 513 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2156% | 1,020 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7102% | 2,358 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5662% | 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 | -0.5490% | 8,009 |
| 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 | 0.6936% | 1,125 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1579% | 1,200 |
| Percentage Net Loans Charged-off:Construction & development | 0.3765% | 359 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0112% | 1,366 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1920% | 969 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2008% | 919 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8686% | 678 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5395% | 1,236 |
| 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 | 1.0652% | 656 |
| 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 | 0.5437% | 1,187 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0585% | 387 |
| Percentage Net Loans Charged-off:Construction & development | 0.0153% | 230 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1136% | 158 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0491% | 435 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0499% | 404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2927% | 102 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2242% | 329 |
| Percentage Net Loans Charged-off: Credit card loans | 17.0797% | 35 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.5639% | 44 |
| 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 | 0.3097% | 2,245 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0975% | 274 |
| Percentage Net Loans Charged-off:Construction & development | 0.0245% | 193 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0308% | 314 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2020% | 143 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2062% | 141 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1681% | 714 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0449% | 427 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0116% | 338 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.3668% | 2,038 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1455% | 202 |
| Percentage Net Loans Charged-off:Construction & development | 0.6014% | 46 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0132% | 409 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0928% | 313 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0945% | 275 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3236% | 479 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0290% | 474 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9410% | 627 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| 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 | 0.3650% | 2,232 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0771% | 420 |
| Percentage Net Loans Charged-off:Construction & development | 0.0102% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0556% | 335 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1383% | 243 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1411% | 221 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9679% | 187 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8364% | 648 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6031% | 362 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| 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 | 0.3142% | 2,853 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0865% | 466 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1986% | 205 |
| Percentage Net Loans Charged-off: Home equity loans | 3.2959% | 13 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1275% | 310 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6144% | 288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6513% | 764 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9942% | 645 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4673% | 139 |
| 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 | 0.2030% | 3,830 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0484% | 1,428 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1243% | 1,515 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1276% | 1,510 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1767% | 543 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6884% | 592 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3395% | 716 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7962% | 92 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1374% | 4,980 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0541% | 717 |
| Percentage Net Loans Charged-off:Construction & development | 0.3270% | 218 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0022% | 1,183 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0075% | 934 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0077% | 885 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0624% | 657 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3660% | 785 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1195% | 695 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0126% | 1,092 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3326% | 3,889 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2914% | 456 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7375% | 320 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0637% | 627 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0664% | 593 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2062% | 735 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5416% | 697 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1093% | 1,277 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5691% | 3,796 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5443% | 437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8013% | 459 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5224% | 158 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5491% | 165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7186% | 689 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6347% | 839 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8797% | 908 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |