Home > Simmons First Bank of Northwest Arkansas > Net charge- offs to loans
Simmons First Bank of Northwest Arkansas, Net charge- offs to loans
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6703% | 899 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7381% | 691 |
| Percentage Net Loans Charged-off:Construction & development | 1.0108% | 765 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0917% | 507 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3395% | 1,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3450% | 1,419 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0653% | 5,452 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7872% | 1,317 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7869% | 1,208 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0809% | 1,070 |
| 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 | 1.0034% | 605 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1247% | 447 |
| Percentage Net Loans Charged-off:Construction & development | 1.5527% | 585 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6708% | 328 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4960% | 1,090 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5042% | 1,043 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1154% | 5,675 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7262% | 1,361 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7262% | 1,238 |
| 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 | 0.4549% | 1,309 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5215% | 990 |
| Percentage Net Loans Charged-off:Construction & development | 3.1489% | 310 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0074% | 6,109 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2565% | 1,506 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2608% | 1,417 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0380% | 5,192 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1226% | 5,719 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1226% | 5,670 |
| 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 | 0.8947% | 1,273 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0464% | 943 |
| Percentage Net Loans Charged-off:Construction & development | -0.4793% | 6,221 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6437% | 521 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2005% | 718 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2262% | 698 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2441% | 6,322 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0807% | 6,184 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0807% | 6,118 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1397% | 6,169 |
| 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 | 1.1371% | 884 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3277% | 662 |
| Percentage Net Loans Charged-off:Construction & development | -0.6663% | 6,324 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1936% | 317 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3452% | 608 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3752% | 612 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2736% | 6,396 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0696% | 6,083 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0694% | 5,991 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1922% | 6,253 |
| 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 | 1.5575% | 621 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8099% | 446 |
| Percentage Net Loans Charged-off:Construction & development | -1.0485% | 6,396 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.2942% | 190 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3657% | 633 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3985% | 600 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2333% | 6,344 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2549% | 6,421 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2549% | 6,352 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2902% | 6,302 |
| 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 | 3.7055% | 168 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2425% | 116 |
| Percentage Net Loans Charged-off:Construction & development | -2.1579% | 6,459 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.2686% | 54 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6978% | 256 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 2.7673% | 272 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1814% | 6,234 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2018% | 6,157 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2018% | 6,087 |
| 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 | 0.7001% | 2,403 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6207% | 2,330 |
| Percentage Net Loans Charged-off:Construction & development | 0.2704% | 2,620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8045% | 1,485 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8374% | 1,469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8603% | 1,411 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9498% | 1,221 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3236% | 3,445 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3005% | 3,272 |
| Percentage Net Loans Charged-off: All other loans and lease | -1.0759% | 6,443 |
| 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 | 0.7269% | 2,102 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5898% | 2,175 |
| Percentage Net Loans Charged-off:Construction & development | 0.3250% | 2,303 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6530% | 1,437 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9282% | 1,271 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9542% | 1,197 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6595% | 830 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0663% | 4,343 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0606% | 4,164 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.7842% | 6,448 |
| 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 | 1.0578% | 1,486 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8748% | 1,570 |
| Percentage Net Loans Charged-off:Construction & development | 0.5889% | 1,852 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9747% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3380% | 878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3765% | 842 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.6828% | 570 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1525% | 6,569 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1356% | 6,526 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5866% | 6,443 |
| 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 | 0.0589% | 4,346 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0092% | 3,855 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0216% | 1,830 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5845% | 1,561 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0999% | 3,151 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0835% | 2,992 |
| 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 | 1.2936% | 1,724 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2327% | 1,572 |
| Percentage Net Loans Charged-off:Construction & development | 3.1034% | 1,719 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2890% | 1,023 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5406% | 2,173 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5578% | 2,087 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4954% | 2,006 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1771% | 4,615 |
| 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 | 6.7423% | 251 |
| 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 | 1.2941% | 1,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3560% | 1,324 |
| Percentage Net Loans Charged-off:Construction & development | 3.1110% | 1,562 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4584% | 816 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6567% | 1,743 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6777% | 1,661 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2726% | 1,961 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2299% | 7,203 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4540% | 1,013 |
| 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 | 1.3540% | 1,407 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4237% | 1,183 |
| Percentage Net Loans Charged-off:Construction & development | 3.5542% | 1,250 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1385% | 892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9276% | 1,250 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9575% | 1,191 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3403% | 1,725 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2572% | 7,166 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1217% | 1,501 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2378% | 1,167 |
| Percentage Net Loans Charged-off:Construction & development | 0.1987% | 1,863 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2292% | 418 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5104% | 1,545 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5267% | 1,449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4199% | 2,064 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1665% | 6,842 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3086% | 1,900 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1421% | 1,746 |
| Percentage Net Loans Charged-off:Construction & development | 1.9664% | 2,097 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7699% | 1,375 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1077% | 1,197 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1446% | 1,128 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2003% | 1,749 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9189% | 1,398 |
| 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 | 5.7972% | 373 |
| 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 | 1.4781% | 1,389 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3740% | 1,217 |
| Percentage Net Loans Charged-off:Construction & development | 2.4447% | 1,588 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9937% | 835 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0641% | 1,020 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0998% | 963 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7814% | 1,686 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2645% | 2,025 |
| 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 | 7.1830% | 277 |
| 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 | 2.2169% | 821 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1662% | 696 |
| Percentage Net Loans Charged-off:Construction & development | 5.2442% | 805 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0411% | 647 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2391% | 820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2816% | 772 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6500% | 1,492 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5960% | 1,511 |
| 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 | 10.7552% | 184 |
| 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 | 3.4726% | 352 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3089% | 306 |
| Percentage Net Loans Charged-off:Construction & development | 7.8916% | 378 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0659% | 254 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1793% | 654 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2215% | 614 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0655% | 708 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8725% | 756 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 18.1269% | 122 |
| 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 | 1.0953% | 1,113 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0208% | 910 |
| Percentage Net Loans Charged-off:Construction & development | 2.6558% | 910 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1045% | 1,732 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7198% | 882 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7491% | 796 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7462% | 2,188 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8107% | 1,160 |
| 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 | 5.2578% | 311 |
| 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 | 1.1514% | 732 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1757% | 527 |
| Percentage Net Loans Charged-off:Construction & development | 3.0754% | 515 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1411% | 1,102 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6693% | 700 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6972% | 631 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3852% | 7,737 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6515% | 1,068 |
| 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 | 6.6865% | 217 |
| 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 | 0.6798% | 1,049 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7329% | 668 |
| Percentage Net Loans Charged-off:Construction & development | 1.4388% | 625 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2164% | 712 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7626% | 530 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7953% | 465 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1056% | 2,637 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1873% | 1,429 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6137% | 863 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6896% | 503 |
| Percentage Net Loans Charged-off:Construction & development | 1.8883% | 308 |
| 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 | 0.1868% | 1,078 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1947% | 975 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0895% | 7,306 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7711% | 1,887 |
| 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 | 0.2563% | 2,135 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2016% | 1,333 |
| Percentage Net Loans Charged-off:Construction & development | 0.1414% | 1,110 |
| 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 | 0.6689% | 395 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7003% | 371 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2204% | 2,664 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7270% | 2,287 |
| 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 | 1.5508% | 498 |
| 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 | 0.0907% | 3,356 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0288% | 2,473 |
| Percentage Net Loans Charged-off:Construction & development | 0.0751% | 811 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.2573% | 2,035 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0311% | 1,318 |
| 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 | 0.1531% | 1,096 |
| 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 | 0.0405% | 3,892 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0166% | 2,268 |
| Percentage Net Loans Charged-off:Construction & development | 0.0434% | 649 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1718% | 1,926 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1173% | 4,104 |
| 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 | 0.2970% | 846 |
| 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 | 0.0791% | 2,477 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0310% | 1,402 |
| Percentage Net Loans Charged-off:Construction & development | 0.0819% | 327 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5195% | 873 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2283% | 2,998 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1213% | 2,897 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0944% | 1,372 |
| Percentage Net Loans Charged-off:Construction & development | 0.1653% | 397 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0051% | 2,795 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0054% | 2,594 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1216% | 2,813 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6278% | 2,388 |
| 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 | 0.0157% | 1,540 |
| 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 | 0.0574% | 3,571 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0490% | 1,632 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0104% | 2,230 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0109% | 2,059 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2076% | 7,730 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6129% | 2,158 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0203% | 1,346 |
| 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 | 0.1269% | 2,142 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1669% | 653 |
| 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 | 0.0107% | 1,844 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0112% | 1,714 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2945% | 7,809 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1913% | 3,700 |
| 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 | 0.0282% | 1,141 |
| 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 | -0.0589% | 7,830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1450% | 559 |
| 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 | -1.9681% | 8,228 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2985% | 7,622 |
| 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 | 0.2369% | 1,987 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0153% | 2,864 |
| Percentage Net Loans Charged-off:Construction & development | 0.0296% | 560 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0029% | 7,935 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0322% | 2,318 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0341% | 2,169 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5150% | 457 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3309% | 4,380 |
| 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 | -0.0140% | 6,962 |
| 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 | 0.1186% | 2,863 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0207% | 2,311 |
| Percentage Net Loans Charged-off:Construction & development | 0.0422% | 407 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0039% | 7,949 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0428% | 1,834 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0454% | 1,701 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0999% | 902 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2506% | 4,305 |
| 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 | -0.0571% | 7,197 |
| 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 | 0.1295% | 2,491 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0082% | 2,300 |
| Percentage Net Loans Charged-off:Construction & development | 0.0586% | 302 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0058% | 8,027 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0161% | 8,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0171% | 8,026 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4993% | 679 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1522% | 4,455 |
| 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 | -0.0890% | 7,245 |
| 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 | 0.0206% | 3,966 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0084% | 7,895 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0328% | 8,249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0347% | 8,250 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2646% | 1,313 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1213% | 3,895 |
| 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 | -0.0668% | 7,224 |
| 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 | 0.2151% | 2,593 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0795% | 1,836 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2936% | 661 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3101% | 646 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1683% | 3,235 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2204% | 1,618 |
| 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 | 0.7156% | 686 |
| 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 | 0.1497% | 2,891 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0822% | 1,518 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3210% | 547 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3390% | 521 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1325% | 7,702 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0477% | 1,768 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0963% | 3,462 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2001% | 7,825 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1717% | 1,556 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0024% | 6,932 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4066% | 8,082 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3387% | 3,430 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4735% | 1,549 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1809% | 1,193 |
| Percentage Net Loans Charged-off:Construction & development | 0.0051% | 814 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4832% | 501 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1477% | 1,406 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1553% | 1,356 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7060% | 1,056 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9011% | 2,647 |
| 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 | 1.0555% | 676 |
| 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 | 0.3116% | 2,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0493% | 2,159 |
| Percentage Net Loans Charged-off:Construction & development | 0.0068% | 640 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0247% | 1,129 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1388% | 1,227 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1460% | 1,183 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9685% | 1,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7727% | 2,784 |
| 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 | 1.3084% | 536 |
| 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 | 0.3715% | 1,678 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0980% | 1,387 |
| Percentage Net Loans Charged-off:Construction & development | 0.0105% | 498 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1007% | 690 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2222% | 799 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2339% | 765 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4533% | 984 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9118% | 2,266 |
| 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 | 0.3422% | 886 |
| 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 | 0.4603% | 1,202 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0084% | 8,317 |
| Percentage Net Loans Charged-off:Construction & development | 0.0212% | 301 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0383% | 8,673 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0404% | 8,686 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9311% | 608 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4181% | 1,373 |
| 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 | 0.6723% | 544 |
| 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 | 0.6925% | 1,156 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1508% | 1,367 |
| Percentage Net Loans Charged-off:Construction & development | 0.2409% | 473 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0866% | 1,113 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1783% | 1,150 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1852% | 1,126 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6374% | 796 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6675% | 1,176 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9737% | 728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2926% | 680 |
| Percentage Net Loans Charged-off:Construction & development | 0.0563% | 662 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1461% | 833 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7291% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4757% | 391 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4885% | 380 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6021% | 752 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3897% | 607 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3489% | 1,147 |
| 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 | 1.0098% | 548 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5230% | 1,289 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2880% | 2,552 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4104% | 1,966 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1598% | 4,688 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,856 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3037% | 12,120 |
| 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 | 0.5425% | 2,551 |
| 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 | 0.0000% | 11,197 |
| 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 |