Home > Norstates Bank > Net charge- offs to loans
Norstates Bank, Net charge- offs to loans
| 2018-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1890% | 885 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2110% | 287 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 325 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5548% | 139 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0047% | 4,226 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 467 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0055% | 4,305 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0392% | 4,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,134 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,032 |
| 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 |
| 2018-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2919% | 547 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2644% | 222 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 257 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6881% | 97 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0035% | 4,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0041% | 4,285 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6618% | 523 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,863 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,753 |
| 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 |
| 2018-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0973% | 5,194 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1068% | 5,274 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 165 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2777% | 5,386 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,100 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,413 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,294 |
| 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 |
| 2017-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3744% | 5,590 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0824% | 5,275 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 519 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2434% | 5,416 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 180 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0953% | 1,111 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2307% | 251 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0714% | 1,262 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.6648% | 5,445 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0833% | 5,065 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0833% | 4,998 |
| 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 |
| 2017-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.5025% | 5,657 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1102% | 5,389 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3185% | 5,495 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1296% | 803 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3063% | 175 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0982% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | -4.8738% | 5,504 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1234% | 5,099 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1234% | 5,048 |
| 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 |
| 2017-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0377% | 2,446 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0417% | 1,289 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 340 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0017% | 4,648 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 105 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1929% | 546 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4324% | 129 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1502% | 658 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,692 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,058 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,923 |
| 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 |
| 2017-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0772% | 1,564 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0856% | 727 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 224 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0034% | 4,861 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3899% | 277 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8969% | 60 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2986% | 340 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,517 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,380 |
| 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 |
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0883% | 2,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2158% | 613 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 574 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1670% | 663 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 220 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6164% | 189 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0803% | 28 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2710% | 583 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.1803% | 5,638 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1072% | 5,305 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1072% | 5,248 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,609 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0926% | 2,024 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2398% | 489 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 470 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2536% | 422 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5183% | 222 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0918% | 71 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3793% | 357 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.1780% | 5,713 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1431% | 5,320 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1431% | 5,257 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4650% | 477 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7033% | 134 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 380 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0921% | 122 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6239% | 209 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6831% | 44 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3616% | 410 |
| Percentage Net Loans Charged-off: Commercial and industrial | -4.9021% | 5,802 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,935 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,209 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6799% | 317 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7118% | 154 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 253 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1755% | 97 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3884% | 369 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8471% | 46 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,477 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1155% | 938 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,488 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,340 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 943 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0700% | 5,668 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1232% | 5,776 |
| Percentage Net Loans Charged-off:Construction & development | -3.8574% | 5,641 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1255% | 5,690 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2071% | 97 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0536% | 127 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2548% | 95 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9538% | 630 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1953% | 2,713 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1953% | 2,566 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,449 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2319% | 6,030 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3137% | 6,049 |
| Percentage Net Loans Charged-off:Construction & development | 2.1874% | 148 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.3010% | 6,093 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6469% | 58 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4132% | 97 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7193% | 59 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2656% | 411 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3927% | 1,752 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3927% | 1,627 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,309 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -1.0744% | 6,273 |
| Percentage Net Loans Charged-off: Total real estate loans | -1.2434% | 6,237 |
| Percentage Net Loans Charged-off:Construction & development | 3.3408% | 95 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.8171% | 6,189 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9822% | 152 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1714% | 66 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6252% | 303 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9649% | 245 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,048 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,908 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8948% | 269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9076% | 149 |
| Percentage Net Loans Charged-off:Construction & development | 7.1957% | 39 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3391% | 315 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5732% | 88 |
| Percentage Net Loans Charged-off: Home equity loans | 4.3580% | 22 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7496% | 257 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9081% | 386 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,512 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,382 |
| 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 | 1.1857% | 229 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2903% | 136 |
| Percentage Net Loans Charged-off:Construction & development | 6.9793% | 72 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1213% | 332 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6684% | 442 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5591% | 373 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7069% | 422 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4108% | 5,862 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0828% | 5,618 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0828% | 5,548 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| 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 | 0.4418% | 890 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4858% | 602 |
| Percentage Net Loans Charged-off:Construction & development | 0.2225% | 695 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5271% | 577 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8178% | 340 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2223% | 185 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6700% | 454 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2641% | 5,750 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1071% | 5,627 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1079% | 5,562 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| 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 | 0.5094% | 796 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5590% | 543 |
| Percentage Net Loans Charged-off:Construction & development | 0.3118% | 579 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6547% | 478 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7780% | 413 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1399% | 678 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0237% | 302 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2693% | 5,789 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1672% | 5,724 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1672% | 5,661 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| 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 | -0.1458% | 6,275 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1407% | 6,331 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1715% | 6,326 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2121% | 6,407 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6920% | 4,850 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0136% | 5,678 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2452% | 5,802 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6785% | 6,239 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6785% | 6,199 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| 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 | 5.9541% | 15 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.3476% | 11 |
| Percentage Net Loans Charged-off:Construction & development | 7.0034% | 172 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.5744% | 17 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.1625% | 64 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5379% | 124 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4701% | 66 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2821% | 6,403 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0788% | 3,837 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0788% | 3,689 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.3606% | 30 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6254% | 28 |
| Percentage Net Loans Charged-off:Construction & development | 0.1155% | 1,296 |
| Percentage Net Loans Charged-off: Commercial real estate | 7.1763% | 35 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4432% | 271 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1761% | 4,909 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2586% | 147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7125% | 6,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2095% | 2,862 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2095% | 2,700 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6278% | 137 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.8007% | 103 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.4692% | 91 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3302% | 1,508 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0122% | 4,625 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5053% | 1,041 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9457% | 6,436 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3168% | 2,249 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3168% | 2,100 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3176% | 1,695 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3664% | 1,299 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3987% | 767 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6304% | 824 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9603% | 546 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9455% | 6,485 |
| 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 | 0.0000% | 975 |
| 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 | 3.1414% | 148 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0936% | 140 |
| Percentage Net Loans Charged-off:Construction & development | 13.0628% | 167 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6974% | 240 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5858% | 498 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4123% | 166 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5231% | 1,648 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9445% | 204 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7403% | 433 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.7403% | 399 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.7374% | 105 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.6565% | 99 |
| Percentage Net Loans Charged-off:Construction & development | 13.3213% | 182 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.4763% | 148 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8737% | 385 |
| Percentage Net Loans Charged-off: Home equity loans | 3.8550% | 147 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6990% | 1,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.9550% | 148 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4652% | 876 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4652% | 784 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2542% | 55 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.2144% | 50 |
| Percentage Net Loans Charged-off:Construction & development | 17.9412% | 116 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.1433% | 90 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4495% | 281 |
| Percentage Net Loans Charged-off: Home equity loans | 4.7048% | 117 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0977% | 812 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.1918% | 143 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2880% | 2,652 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2880% | 2,471 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6987% | 568 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7855% | 473 |
| Percentage Net Loans Charged-off:Construction & development | 17.4447% | 134 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8792% | 960 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9142% | 527 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8582% | 955 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2185% | 1,590 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2826% | 2,290 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| 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 | 1.7347% | 871 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5846% | 947 |
| Percentage Net Loans Charged-off:Construction & development | 1.1006% | 2,086 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5944% | 1,803 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.7618% | 137 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1447% | 1,083 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7768% | 996 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3598% | 906 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.2279% | 324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1895% | 4,032 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1842% | 3,813 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0647% | 602 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8602% | 673 |
| Percentage Net Loans Charged-off:Construction & development | 1.4593% | 1,701 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6906% | 1,389 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.0834% | 101 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6487% | 1,698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1868% | 1,437 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9176% | 1,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.8860% | 206 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0826% | 4,246 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0797% | 4,045 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| 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 | 0.5493% | 2,455 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5673% | 2,118 |
| Percentage Net Loans Charged-off:Construction & development | 0.0067% | 2,300 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6876% | 1,280 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8082% | 1,394 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2720% | 922 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3421% | 2,424 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2442% | 3,193 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2326% | 2,968 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0598% | 1,290 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1267% | 1,098 |
| Percentage Net Loans Charged-off:Construction & development | 0.0134% | 1,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3671% | 637 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5899% | 652 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4925% | 388 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1042% | 6,385 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7067% | 1,745 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6584% | 1,482 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.3084% | 835 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3278% | 757 |
| Percentage Net Loans Charged-off:Construction & development | 5.6044% | 1,114 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1709% | 577 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2887% | 633 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1031% | 599 |
| Percentage Net Loans Charged-off: Home equity loans | 5.6407% | 140 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1351% | 2,396 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3629% | 1,638 |
| 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 | 5.5505% | 286 |
| 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 | 2.6485% | 619 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7349% | 551 |
| Percentage Net Loans Charged-off:Construction & development | 7.1958% | 789 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8045% | 360 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0073% | 881 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5576% | 417 |
| Percentage Net Loans Charged-off: Home equity loans | 6.8114% | 114 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,440 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0121% | 4,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4488% | 1,440 |
| 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 | 7.3771% | 228 |
| 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 | 2.4981% | 685 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4896% | 620 |
| Percentage Net Loans Charged-off:Construction & development | 10.5319% | 460 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5525% | 696 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7152% | 239 |
| Percentage Net Loans Charged-off: Home equity loans | 9.7970% | 66 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,888 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6176% | 2,481 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4495% | 1,362 |
| 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 | 11.0609% | 147 |
| 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 | 0.5890% | 2,333 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2282% | 2,797 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3850% | 1,195 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,124 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5294% | 1,267 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1869% | 6,891 |
| 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 | 22.2647% | 85 |
| 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 | 3.3743% | 591 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5165% | 1,355 |
| Percentage Net Loans Charged-off:Construction & development | 0.8137% | 2,684 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2951% | 490 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0108% | 913 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7459% | 1,612 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1771% | 1,094 |
| Percentage Net Loans Charged-off: Commercial and industrial | 21.2993% | 57 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6283% | 3,689 |
| 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 | 14.1506% | 191 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6157% | 1,262 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6802% | 1,000 |
| Percentage Net Loans Charged-off:Construction & development | 0.0460% | 3,020 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.7776% | 287 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8755% | 1,199 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3761% | 793 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2688% | 2,079 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3049% | 4,449 |
| 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% | 1,898 |
| 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 | 0.1931% | 4,338 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1904% | 3,199 |
| Percentage Net Loans Charged-off:Construction & development | -0.0099% | 7,327 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2877% | 1,344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1880% | 2,542 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2937% | 1,978 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2356% | 3,202 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2982% | 4,091 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1608% | 3,676 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1858% | 2,479 |
| Percentage Net Loans Charged-off:Construction & development | -0.0135% | 7,358 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2204% | 924 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3761% | 1,454 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5869% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0422% | 7,026 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1474% | 3,870 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3061% | 914 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8617% | 1,057 |
| Percentage Net Loans Charged-off:Construction & development | 1.5587% | 1,256 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3209% | 140 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4360% | 220 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7494% | 116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7573% | 406 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0398% | 1,004 |
| 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 | 0.8006% | 1,082 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0023% | 4,531 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0115% | 3,342 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0103% | 5,946 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0217% | 2,977 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.6350% | 186 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5620% | 593 |
| 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 | 0.0118% | 5,594 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0010% | 7,588 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0050% | 7,707 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0158% | 5,951 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0856% | 2,724 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1237% | 4,403 |
| 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 | 0.0785% | 1,204 |
| 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 | 0.0346% | 4,033 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0021% | 7,602 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0103% | 7,796 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0324% | 5,944 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3050% | 1,441 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.6708% | 779 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0030% | 4,135 |
| Percentage Net Loans Charged-off:Construction & development | 0.0192% | 1,474 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4173% | 879 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3612% | 1,117 |
| 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 | 22.7905% | 79 |
| 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 | 0.9036% | 381 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0138% | 7,850 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0258% | 7,947 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9075% | 537 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4310% | 904 |
| 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 | 30.6314% | 59 |
| 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 | 1.0729% | 299 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0211% | 7,919 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0392% | 8,031 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1882% | 1,864 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2348% | 3,483 |
| 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 | 45.9893% | 35 |
| 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 | 2.1194% | 139 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0427% | 8,141 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0798% | 8,166 |
| 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 | 0.0774% | 1,603 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 93.8306% | 15 |
| 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 | 0.8877% | 348 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4214% | 335 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7783% | 211 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0460% | 8,185 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0804% | 8,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0904% | 199 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5409% | 2,699 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0529% | 212 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3862% | 263 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7140% | 178 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0607% | 8,248 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1065% | 8,309 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.4574% | 111 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5674% | 2,299 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0074% | 252 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4458% | 83 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0415% | 4,588 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1596% | 2,739 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1919% | 710 |
| Percentage Net Loans Charged-off:Construction & development | 0.1324% | 352 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2503% | 509 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1549% | 1,032 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2826% | 616 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0522% | 7,400 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5068% | 3,549 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2475% | 1,608 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2649% | 445 |
| Percentage Net Loans Charged-off:Construction & development | 0.1886% | 245 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3901% | 309 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0741% | 1,455 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1700% | 854 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1524% | 2,510 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9943% | 1,631 |
| 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 | 0.3210% | 1,193 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3498% | 342 |
| Percentage Net Loans Charged-off:Construction & development | 0.1328% | 227 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5723% | 228 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2301% | 1,912 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4012% | 3,246 |
| 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 | 0.5629% | 606 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6795% | 159 |
| Percentage Net Loans Charged-off:Construction & development | 0.2612% | 116 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1111% | 99 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.5434% | 994 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0244% | 2,931 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0419% | 1,238 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0168% | 303 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9898% | 770 |
| Percentage Net Loans Charged-off: Credit card loans | -1.1655% | 2,573 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8314% | 376 |
| 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 | 0.7188% | 614 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0327% | 2,309 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0561% | 902 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.3862% | 178 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9318% | 746 |
| Percentage Net Loans Charged-off: Credit card loans | -1.2401% | 2,557 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4024% | 280 |
| 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 | 1.0508% | 397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0494% | 1,780 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0849% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.0118% | 104 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7147% | 923 |
| Percentage Net Loans Charged-off: Credit card loans | -1.3986% | 2,571 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.3113% | 213 |
| 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 | 1.6703% | 247 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0996% | 1,009 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1705% | 352 |
| 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 | 15.9251% | 45 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2429% | 3,787 |
| Percentage Net Loans Charged-off: Credit card loans | -1.8648% | 2,557 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0434% | 830 |
| 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 | 0.0972% | 4,826 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0707% | 2,197 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0315% | 8,551 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1319% | 125 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3995% | 572 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8091% | 243 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2574% | 3,393 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7751% | 3,077 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9242% | 1,552 |
| 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 | 0.1303% | 3,799 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0946% | 1,597 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0423% | 8,629 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1773% | 85 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5362% | 344 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0746% | 153 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3426% | 2,601 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0612% | 2,036 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2448% | 1,365 |
| 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 | 0.1070% | 3,864 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0830% | 1,509 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0636% | 8,698 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2676% | 57 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5009% | 379 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0019% | 167 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1795% | 2,751 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3504% | 1,465 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9375% | 1,363 |
| 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 | 0.3017% | 1,760 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2477% | 590 |
| Percentage Net Loans Charged-off:Construction & development | 0.0699% | 261 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5500% | 27 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9878% | 154 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9416% | 76 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6780% | 1,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4930% | 1,294 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 | 0.1246% | 4,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0374% | 2,826 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0644% | 1,200 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6958% | 2,383 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5665% | 3,987 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7452% | 1,365 |
| 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 | 0.3061% | 2,643 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1108% | 932 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2725% | 5,501 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5911% | 1,439 |
| 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 | 0.2454% | 2,667 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0497% | 426 |
| Percentage Net Loans Charged-off:Construction & development | 0.0042% | 255 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2065% | 128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3196% | 90 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2398% | 192 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4141% | 864 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2389% | 282 |
| 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 | 0.0269% | 6,804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0449% | 480 |
| Percentage Net Loans Charged-off:Construction & development | -0.0053% | 1,328 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0508% | 264 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0635% | 423 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0906% | 311 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1543% | 1,373 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3920% | 909 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9547% | 561 |
| 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 | 0.0029% | 8,056 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 971 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0885% | 1,289 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4707% | 867 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4870% | 716 |
| 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 | -0.0681% | 10,237 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1241% | 1,430 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2080% | 1,361 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0295% | 1,389 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0478% | 1,406 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1936% | 591 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0439% | 1,448 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8595% | 486 |
| 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 | 0.5057% | 1,733 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0795% | 486 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1449% | 316 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4648% | 65 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8550% | 247 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3864% | 1,000 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1331% | 1,279 |
| 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 | 0.4851% | 1,731 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2497% | 272 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4655% | 254 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0273% | 695 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0397% | 571 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3967% | 61 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0918% | 1,513 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3797% | 1,319 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1624% | 241 |
| 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 | 0.6719% | 1,302 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3360% | 3,856 |
| 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 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6051% | 3,584 |
| 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 |