Home > Sterling Bank and Trust, FSB > Net charge- offs to loans
Sterling Bank and Trust, FSB, Net charge- offs to loans
| 2023-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3959% | 263 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3988% | 59 |
| Percentage Net Loans Charged-off:Construction & development | -0.0180% | 4,327 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0890% | 4,487 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 66 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4857% | 30 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2005% | 69 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4877% | 40 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,668 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,797 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 531 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,715 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2023-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5204% | 165 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5236% | 31 |
| Percentage Net Loans Charged-off:Construction & development | -0.0140% | 4,349 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1199% | 4,532 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6355% | 21 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2603% | 49 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6382% | 33 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,560 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 458 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 69 |
| 2023-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7605% | 113 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7637% | 18 |
| Percentage Net Loans Charged-off:Construction & development | -0.0096% | 4,376 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1842% | 4,596 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 29 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9225% | 11 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3829% | 30 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9263% | 11 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,179 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,355 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 451 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,270 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 63 |
| 2023-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5753% | 50 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5764% | 11 |
| Percentage Net Loans Charged-off:Construction & development | -0.0090% | 4,475 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0183% | 4,429 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 18 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8672% | 8 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7426% | 15 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8752% | 8 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 773 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 346 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 1,811 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2022-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0631% | 1,019 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0631% | 322 |
| Percentage Net Loans Charged-off:Construction & development | -2.7931% | 4,716 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8835% | 11 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0602% | 6 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0550% | 4,382 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1617% | 76 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0567% | 4,392 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,408 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,668 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 495 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,578 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2022-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1025% | 605 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1025% | 179 |
| Percentage Net Loans Charged-off:Construction & development | -3.4488% | 4,757 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6268% | 6 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.6836% | 2 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0487% | 4,373 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2188% | 51 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0508% | 4,402 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,111 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,431 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 459 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,351 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2022-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0642% | 4,323 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0642% | 4,418 |
| Percentage Net Loans Charged-off:Construction & development | -0.0072% | 4,003 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1749% | 4,542 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 33 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0654% | 4,347 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3436% | 34 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0686% | 4,367 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 925 |
| 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 |
| 2022-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0395% | 4,183 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0395% | 4,355 |
| Percentage Net Loans Charged-off:Construction & development | -0.0042% | 4,045 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0205% | 4,348 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0453% | 4,299 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0598% | 3,392 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0451% | 4,312 |
| 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 |
| 2021-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5147% | 160 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5148% | 52 |
| Percentage Net Loans Charged-off:Construction & development | 1.1022% | 29 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.7056% | 2 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0131% | 3,930 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0559% | 4,291 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0443% | 3,340 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0560% | 4,301 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,504 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,550 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,451 |
| 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 |
| 2021-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0002% | 2,459 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0002% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 1.5776% | 21 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6020% | 4,759 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0178% | 3,971 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0879% | 4,500 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0409% | 3,395 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0883% | 4,501 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,280 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,293 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,198 |
| 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 |
| 2021-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0669% | 4,487 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0669% | 4,567 |
| Percentage Net Loans Charged-off:Construction & development | -0.0034% | 4,058 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0274% | 4,459 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0250% | 3,988 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0771% | 4,509 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0473% | 3,451 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0774% | 4,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,104 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,002 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 1,890 |
| 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 |
| 2021-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0352% | 4,243 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0352% | 4,453 |
| Percentage Net Loans Charged-off:Construction & development | -0.0020% | 4,139 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0283% | 4,555 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0262% | 3,982 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0392% | 4,392 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0462% | 3,504 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0392% | 4,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 814 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 1,666 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 1,563 |
| 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 |
| 2020-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1530% | 1,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1531% | 418 |
| Percentage Net Loans Charged-off:Construction & development | 0.3497% | 116 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0253% | 4,541 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0298% | 4,021 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1552% | 335 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0685% | 3,556 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1573% | 326 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,097 |
| Percentage Net Loans Charged-off: Loans to individuals | -4.7619% | 4,875 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -4.7619% | 4,841 |
| 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 |
| 2020-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0354% | 2,124 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0354% | 957 |
| Percentage Net Loans Charged-off:Construction & development | 0.4714% | 89 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0248% | 4,564 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0306% | 4,038 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0053% | 1,216 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0754% | 3,589 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0061% | 1,134 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,840 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,810 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,714 |
| 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 |
| 2020-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0036% | 3,919 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0036% | 3,901 |
| Percentage Net Loans Charged-off:Construction & development | -0.0041% | 4,167 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0260% | 4,647 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0322% | 4,055 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0010% | 3,721 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0917% | 3,624 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0001% | 3,747 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,576 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,624 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,525 |
| 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 |
| 2020-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0042% | 3,804 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0042% | 3,925 |
| Percentage Net Loans Charged-off:Construction & development | -0.0021% | 4,227 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0248% | 4,683 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0374% | 4,090 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0018% | 3,833 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1473% | 3,682 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0003% | 3,860 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,103 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,292 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,206 |
| 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 |
| 2019-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0004% | 4,144 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0065% | 4,145 |
| Percentage Net Loans Charged-off:Construction & development | -0.0040% | 4,186 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0847% | 4,838 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0346% | 4,150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0008% | 3,920 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0345% | 3,594 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 3,940 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.0615% | 71 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,326 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,228 |
| 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 |
| 2019-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0028% | 3,326 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0052% | 4,044 |
| Percentage Net Loans Charged-off:Construction & development | -0.0038% | 4,245 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0612% | 4,867 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0346% | 4,200 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0009% | 3,900 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0349% | 3,642 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0006% | 3,920 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9411% | 60 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,132 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,021 |
| 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 |
| 2019-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0067% | 2,911 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0053% | 4,099 |
| Percentage Net Loans Charged-off:Construction & development | -0.0034% | 4,296 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0590% | 4,946 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0384% | 4,229 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0010% | 3,886 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0353% | 3,670 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 3,933 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.6522% | 30 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,820 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,712 |
| 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 |
| 2019-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0188% | 2,091 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0052% | 4,183 |
| Percentage Net Loans Charged-off:Construction & development | -0.0046% | 4,434 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0562% | 5,039 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0374% | 4,277 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0008% | 4,000 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0353% | 3,720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 4,046 |
| Percentage Net Loans Charged-off: Commercial and industrial | 16.9394% | 18 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,391 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,284 |
| 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 |
| 2018-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0058% | 4,378 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0057% | 4,211 |
| Percentage Net Loans Charged-off:Construction & development | -0.0083% | 4,286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0522% | 4,919 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0576% | 4,305 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0006% | 4,105 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0359% | 3,701 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0003% | 4,134 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,189 |
| Percentage Net Loans Charged-off: Loans to individuals | -3.3113% | 5,266 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -3.3113% | 5,237 |
| 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 |
| 2018-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0059% | 4,256 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0059% | 4,160 |
| Percentage Net Loans Charged-off:Construction & development | -0.0103% | 4,364 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0515% | 4,990 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0603% | 4,342 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0005% | 4,056 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0284% | 3,711 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0003% | 4,105 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,906 |
| Percentage Net Loans Charged-off: Loans to individuals | -4.2560% | 5,338 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -4.2560% | 5,309 |
| 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 | -0.0059% | 4,150 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0058% | 4,150 |
| Percentage Net Loans Charged-off:Construction & development | -0.0077% | 4,408 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0521% | 5,050 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0716% | 4,383 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0003% | 4,074 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0108% | 3,629 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0002% | 4,146 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,594 |
| Percentage Net Loans Charged-off: Loans to individuals | -6.6667% | 5,404 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -6.6667% | 5,377 |
| 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 | -0.0049% | 4,010 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0049% | 4,173 |
| Percentage Net Loans Charged-off:Construction & development | -0.0021% | 4,476 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0517% | 5,184 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0394% | 4,416 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0005% | 4,163 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0219% | 3,781 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0003% | 4,245 |
| 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 | -0.0410% | 5,134 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0404% | 5,067 |
| Percentage Net Loans Charged-off:Construction & development | -0.0614% | 4,708 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3275% | 5,451 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0422% | 4,467 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0129% | 4,753 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2360% | 4,124 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0108% | 4,708 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,400 |
| Percentage Net Loans Charged-off: Loans to individuals | -30.6859% | 5,558 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -30.6859% | 5,528 |
| 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 | -0.0164% | 4,780 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0165% | 4,740 |
| Percentage Net Loans Charged-off:Construction & development | -0.0827% | 4,801 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0828% | 5,283 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0408% | 4,494 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0033% | 4,443 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0154% | 3,819 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0032% | 4,495 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,017 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,384 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,260 |
| 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 | -0.0215% | 4,803 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0216% | 4,867 |
| Percentage Net Loans Charged-off:Construction & development | -0.1276% | 4,904 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0863% | 5,362 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0479% | 4,535 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0046% | 4,469 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0115% | 3,797 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0045% | 4,531 |
| 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 | -0.0290% | 4,916 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0291% | 5,101 |
| Percentage Net Loans Charged-off:Construction & development | -0.2456% | 5,091 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0936% | 5,489 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0415% | 4,575 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0027% | 4,455 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0233% | 3,952 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0025% | 4,510 |
| 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 | -0.1433% | 5,673 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1438% | 5,617 |
| Percentage Net Loans Charged-off:Construction & development | -0.2644% | 5,113 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.2385% | 5,762 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.5061% | 4,727 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0064% | 4,870 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0496% | 4,101 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0059% | 4,886 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,426 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.6385% | 5,765 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.6385% | 5,729 |
| 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 | -0.1735% | 5,726 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1742% | 5,700 |
| Percentage Net Loans Charged-off:Construction & development | -0.3356% | 5,213 |
| Percentage Net Loans Charged-off: Commercial real estate | -1.4134% | 5,831 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.6826% | 4,754 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0087% | 4,865 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0506% | 4,112 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 4,892 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,051 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.6835% | 5,790 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.6835% | 5,751 |
| 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 | -0.2482% | 5,846 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2491% | 5,827 |
| Percentage Net Loans Charged-off:Construction & development | -0.4904% | 5,312 |
| Percentage Net Loans Charged-off: Commercial real estate | -2.0843% | 5,912 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.0263% | 4,780 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0007% | 2,113 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0511% | 4,145 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0013% | 2,012 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,698 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.4193% | 5,873 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -2.4193% | 5,835 |
| 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 | -0.4314% | 5,979 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.4330% | 5,963 |
| Percentage Net Loans Charged-off:Construction & development | -0.7026% | 5,400 |
| Percentage Net Loans Charged-off: Commercial real estate | -4.0789% | 5,974 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0646% | 4,731 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0030% | 4,714 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0808% | 4,236 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0021% | 4,783 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,202 |
| 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 | -0.0335% | 5,436 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0297% | 5,341 |
| Percentage Net Loans Charged-off:Construction & development | -0.1258% | 5,075 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2128% | 5,789 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0645% | 4,794 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0027% | 3,033 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2336% | 4,464 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0051% | 2,869 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8120% | 5,765 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.7301% | 5,997 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.7301% | 5,963 |
| 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 | -0.0381% | 5,445 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0328% | 5,413 |
| Percentage Net Loans Charged-off:Construction & development | -0.1592% | 5,187 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2065% | 5,871 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0639% | 4,831 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0011% | 2,769 |
| Percentage Net Loans Charged-off: Home equity loans | -0.3236% | 4,523 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0043% | 2,616 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0480% | 5,878 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0902% | 6,027 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.0902% | 5,989 |
| 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 | -0.0237% | 5,225 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0153% | 5,172 |
| Percentage Net Loans Charged-off:Construction & development | -0.0712% | 5,110 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1051% | 5,823 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0587% | 4,866 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0033% | 2,475 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5044% | 4,590 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0082% | 2,278 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5224% | 5,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.5544% | 6,122 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -1.5544% | 6,083 |
| 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 | -0.0307% | 5,268 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0137% | 5,167 |
| Percentage Net Loans Charged-off:Construction & development | -0.1467% | 5,340 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0115% | 731 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0534% | 4,908 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0078% | 5,178 |
| Percentage Net Loans Charged-off: Home equity loans | -1.0675% | 4,658 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0022% | 1,710 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.8531% | 6,106 |
| 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 | -0.1235% | 6,168 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1107% | 6,116 |
| Percentage Net Loans Charged-off:Construction & development | -0.4264% | 5,567 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.7395% | 6,285 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0565% | 5,009 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0155% | 3,384 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0314% | 1,079 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0154% | 3,223 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2739% | 6,109 |
| Percentage Net Loans Charged-off: Loans to individuals | -22.5989% | 6,380 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -22.5989% | 6,350 |
| 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 | -0.0871% | 6,098 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0757% | 6,057 |
| Percentage Net Loans Charged-off:Construction & development | -0.0178% | 5,087 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5699% | 6,330 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0577% | 5,063 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0099% | 3,130 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1371% | 4,667 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0110% | 2,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8563% | 6,116 |
| Percentage Net Loans Charged-off: Loans to individuals | -28.1461% | 6,457 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -28.1461% | 6,427 |
| 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 | -0.0422% | 5,801 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0243% | 5,770 |
| Percentage Net Loans Charged-off:Construction & development | -0.0180% | 5,151 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2333% | 6,276 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0607% | 5,090 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0175% | 2,727 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2382% | 4,747 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0193% | 2,574 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3133% | 6,240 |
| Percentage Net Loans Charged-off: Loans to individuals | -38.7435% | 6,525 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -38.7435% | 6,494 |
| 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 | -0.0367% | 5,675 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0218% | 5,722 |
| Percentage Net Loans Charged-off:Construction & development | -0.0181% | 5,256 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2337% | 6,364 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0781% | 5,133 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0231% | 2,028 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2907% | 4,783 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0250% | 1,893 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,326 |
| Percentage Net Loans Charged-off: Loans to individuals | -70.3518% | 6,597 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -70.3518% | 6,562 |
| 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 | -0.1170% | 6,512 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1085% | 6,462 |
| Percentage Net Loans Charged-off:Construction & development | -1.7738% | 6,070 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1975% | 6,440 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0476% | 5,221 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0256% | 3,784 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4202% | 4,941 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0285% | 3,594 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7519% | 6,306 |
| Percentage Net Loans Charged-off: Loans to individuals | -10.4586% | 6,679 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -10.4586% | 6,649 |
| 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 | -0.0225% | 6,079 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0114% | 5,979 |
| Percentage Net Loans Charged-off:Construction & development | 0.1319% | 1,273 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1890% | 6,497 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0493% | 5,275 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0256% | 3,497 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2470% | 4,938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0274% | 3,318 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0036% | 6,421 |
| Percentage Net Loans Charged-off: Loans to individuals | -8.8039% | 6,749 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -8.8039% | 6,716 |
| 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 | -0.0247% | 6,042 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0093% | 5,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.2036% | 1,062 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2259% | 6,583 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0485% | 5,278 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0353% | 3,048 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2626% | 4,949 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0374% | 2,859 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5770% | 6,525 |
| Percentage Net Loans Charged-off: Loans to individuals | -7.6432% | 6,792 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -7.6432% | 6,756 |
| 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 | -0.0326% | 5,932 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0257% | 6,176 |
| Percentage Net Loans Charged-off:Construction & development | 0.3918% | 708 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4194% | 6,717 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0521% | 5,330 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0543% | 2,268 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0547% | 2,128 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5228% | 6,343 |
| Percentage Net Loans Charged-off: Loans to individuals | -9.0909% | 6,861 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -9.0909% | 6,822 |
| 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 | 0.9157% | 1,230 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9405% | 1,078 |
| Percentage Net Loans Charged-off:Construction & development | 3.3250% | 773 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.5568% | 263 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4910% | 570 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2165% | 2,887 |
| Percentage Net Loans Charged-off: Home equity loans | 8.3849% | 60 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1554% | 3,131 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.7373% | 6,727 |
| Percentage Net Loans Charged-off: Loans to individuals | -8.7864% | 6,943 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -8.7864% | 6,907 |
| 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 | 0.9136% | 1,189 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9340% | 1,054 |
| Percentage Net Loans Charged-off:Construction & development | 1.6085% | 1,135 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.6012% | 228 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6563% | 464 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2794% | 2,449 |
| Percentage Net Loans Charged-off: Home equity loans | 11.9097% | 37 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1930% | 2,705 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0405% | 6,717 |
| Percentage Net Loans Charged-off: Loans to individuals | -8.2581% | 7,035 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -8.2581% | 6,993 |
| 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 | 0.8816% | 1,247 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9036% | 1,087 |
| Percentage Net Loans Charged-off:Construction & development | 2.5341% | 844 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9404% | 404 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5938% | 392 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3838% | 1,944 |
| Percentage Net Loans Charged-off: Home equity loans | 20.6147% | 16 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2466% | 2,296 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2057% | 6,779 |
| Percentage Net Loans Charged-off: Loans to individuals | -5.8111% | 7,081 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -5.8111% | 7,037 |
| 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 | 0.3826% | 2,159 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4058% | 1,821 |
| Percentage Net Loans Charged-off:Construction & development | -0.7780% | 6,366 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1810% | 592 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2472% | 2,040 |
| Percentage Net Loans Charged-off: Home equity loans | 10.1244% | 46 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1865% | 2,099 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2833% | 6,831 |
| Percentage Net Loans Charged-off: Loans to individuals | -7.9911% | 7,141 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -7.9911% | 7,092 |
| 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 | 1.0872% | 1,587 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0321% | 1,565 |
| Percentage Net Loans Charged-off:Construction & development | 2.1118% | 1,658 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2452% | 488 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0995% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0967% | 4,107 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6622% | 1,091 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0934% | 3,986 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9095% | 594 |
| Percentage Net Loans Charged-off: Loans to individuals | -3.4380% | 7,198 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -3.4380% | 7,181 |
| 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 | 1.1583% | 1,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0426% | 1,384 |
| Percentage Net Loans Charged-off:Construction & development | 2.3401% | 1,420 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8547% | 541 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.9930% | 328 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1038% | 3,725 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8864% | 815 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0991% | 3,600 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.1873% | 302 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9342% | 1,640 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9342% | 1,382 |
| 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 | 0.4648% | 2,718 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3316% | 2,788 |
| Percentage Net Loans Charged-off:Construction & development | 1.4907% | 1,496 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8495% | 1,116 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0037% | 4,016 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3140% | 594 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0044% | 6,795 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.3407% | 372 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.7592% | 233 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 5.7592% | 187 |
| 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 | 0.8026% | 1,622 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6152% | 1,675 |
| Percentage Net Loans Charged-off:Construction & development | 4.0666% | 718 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7328% | 923 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3318% | 1,898 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5922% | 285 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3175% | 1,804 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.4682% | 292 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.9886% | 87 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 12.9886% | 74 |
| 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 | 1.1370% | 1,964 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1195% | 1,723 |
| Percentage Net Loans Charged-off:Construction & development | 2.9983% | 1,755 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2265% | 554 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4500% | 5,935 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5859% | 2,063 |
| Percentage Net Loans Charged-off: Home equity loans | 6.0230% | 134 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5456% | 2,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9435% | 1,673 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2726% | 1,744 |
| 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% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6403% | 2,827 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6682% | 2,323 |
| Percentage Net Loans Charged-off:Construction & development | 2.6732% | 1,670 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9637% | 1,180 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.6026% | 5,973 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5333% | 2,010 |
| Percentage Net Loans Charged-off: Home equity loans | 7.9071% | 90 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4772% | 2,079 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6012% | 7,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4623% | 3,265 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5421% | 2,904 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5645% | 2,324 |
| Percentage Net Loans Charged-off:Construction & development | 2.6119% | 1,465 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8585% | 1,113 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.8260% | 5,961 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4378% | 2,043 |
| Percentage Net Loans Charged-off: Home equity loans | 11.9786% | 54 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3495% | 2,166 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7140% | 7,311 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1898% | 934 |
| 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 | 0.5698% | 2,378 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5848% | 1,891 |
| Percentage Net Loans Charged-off:Construction & development | 2.8547% | 1,056 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9574% | 776 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.9292% | 6,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5889% | 1,422 |
| Percentage Net Loans Charged-off: Home equity loans | 12.8947% | 56 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4909% | 1,507 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3159% | 2,219 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.3774% | 7,697 |
| 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 | 1.6143% | 1,563 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5615% | 1,319 |
| Percentage Net Loans Charged-off:Construction & development | 4.9231% | 1,253 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2847% | 493 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1835% | 545 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4139% | 2,326 |
| Percentage Net Loans Charged-off: Home equity loans | 6.6657% | 124 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3432% | 2,474 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2616% | 1,240 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4779% | 649 |
| 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% | 2,150 |
| 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 | 1.1553% | 1,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1059% | 1,441 |
| Percentage Net Loans Charged-off:Construction & development | 4.0650% | 1,159 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9784% | 845 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3832% | 380 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4500% | 1,910 |
| Percentage Net Loans Charged-off: Home equity loans | 8.5239% | 95 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3531% | 2,096 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5052% | 1,260 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.6400% | 602 |
| 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 | 1.2911% | 1,435 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1223% | 1,254 |
| Percentage Net Loans Charged-off:Construction & development | 5.5682% | 762 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7073% | 861 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6587% | 263 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1977% | 2,500 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5776% | 795 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1928% | 2,353 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.5295% | 357 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3394% | 7,670 |
| 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 | 1.9511% | 742 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7951% | 642 |
| Percentage Net Loans Charged-off:Construction & development | 9.4809% | 323 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8168% | 510 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.3174% | 109 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1168% | 2,155 |
| Percentage Net Loans Charged-off: Home equity loans | -0.6842% | 5,927 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1283% | 1,924 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.0091% | 313 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3986% | 927 |
| 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 | 1.7679% | 622 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6452% | 534 |
| Percentage Net Loans Charged-off:Construction & development | 9.3011% | 219 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4839% | 880 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0142% | 6,228 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3745% | 1,503 |
| Percentage Net Loans Charged-off: Home equity loans | 8.0268% | 58 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2440% | 1,866 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.2667% | 350 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1984% | 880 |
| 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 | 0.7318% | 1,188 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7289% | 866 |
| Percentage Net Loans Charged-off:Construction & development | 3.2066% | 494 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4031% | 651 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0188% | 6,216 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3024% | 1,327 |
| Percentage Net Loans Charged-off: Home equity loans | 10.4268% | 29 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1244% | 2,020 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4658% | 2,102 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3462% | 666 |
| 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 | 1.0208% | 676 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9930% | 507 |
| Percentage Net Loans Charged-off:Construction & development | 4.2250% | 287 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6344% | 381 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0280% | 6,178 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3570% | 1,008 |
| Percentage Net Loans Charged-off: Home equity loans | 15.2242% | 21 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0834% | 1,887 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3558% | 846 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0221% | 446 |
| 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 | 0.6111% | 866 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5279% | 628 |
| Percentage Net Loans Charged-off:Construction & development | 1.1915% | 417 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8100% | 203 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0550% | 6,118 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1792% | 1,106 |
| Percentage Net Loans Charged-off: Home equity loans | 9.9758% | 32 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0166% | 7,841 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2475% | 426 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5441% | 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 | 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 | 1.3522% | 325 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3460% | 170 |
| Percentage Net Loans Charged-off:Construction & development | 6.1382% | 67 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3351% | 606 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0664% | 242 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1565% | 1,461 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2174% | 538 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1551% | 1,417 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9029% | 666 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0792% | 7,683 |
| 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% | 1,751 |
| 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 | 1.0853% | 308 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0832% | 134 |
| Percentage Net Loans Charged-off:Construction & development | 5.0973% | 46 |
| 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 | 0.1791% | 999 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2955% | 333 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1763% | 948 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4566% | 691 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0406% | 7,319 |
| 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% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1077% | 2,647 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1227% | 1,064 |
| Percentage Net Loans Charged-off:Construction & development | 0.1726% | 434 |
| 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 | 0.2664% | 652 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4465% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2618% | 624 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6101% | 8,117 |
| 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 | 0.0000% | 1,336 |
| 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 | 0.0802% | 2,453 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1030% | 862 |
| Percentage Net Loans Charged-off:Construction & development | 0.3233% | 202 |
| 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 | 0.1022% | 893 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1049% | 808 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2245% | 8,261 |
| 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 | 0.3449% | 1,143 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3552% | 403 |
| Percentage Net Loans Charged-off:Construction & development | 1.3945% | 106 |
| 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 | 0.1789% | 913 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1840% | 869 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1119% | 2,863 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3606% | 3,563 |
| 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 | 0.2319% | 1,415 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2302% | 486 |
| Percentage Net Loans Charged-off:Construction & development | 0.9136% | 93 |
| 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 | 0.1121% | 1,080 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1154% | 1,045 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0624% | 1,218 |
| 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 | 0.3078% | 1,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3207% | 332 |
| Percentage Net Loans Charged-off:Construction & development | 1.3125% | 55 |
| 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 | 0.1251% | 910 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1288% | 865 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2907% | 3,206 |
| 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 | -0.0114% | 6,913 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0112% | 7,921 |
| 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 | -0.0331% | 8,159 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0340% | 8,146 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0677% | 6,903 |
| 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 | 0.0195% | 5,692 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0191% | 2,744 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0364% | 1,050 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0190% | 2,587 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0196% | 2,427 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2729% | 2,513 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7146% | 8,488 |
| 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 | 0.0207% | 5,184 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0243% | 2,226 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0469% | 795 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0223% | 2,149 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0230% | 2,016 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3859% | 1,776 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2878% | 8,558 |
| 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 | -0.0187% | 7,588 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0046% | 2,402 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0134% | 1,960 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0139% | 1,797 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0776% | 2,487 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.0369% | 8,617 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | -0.0181% | 7,266 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0017% | 1,790 |
| 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 | 0.0050% | 1,486 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0052% | 1,361 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0291% | 1,881 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.5148% | 8,584 |
| 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 | 0.6293% | 830 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7220% | 207 |
| Percentage Net Loans Charged-off:Construction & development | 0.3078% | 310 |
| 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 | 1.7522% | 62 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7888% | 64 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4514% | 8,180 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.7863% | 8,758 |
| Percentage Net Loans Charged-off: Credit card loans | -1.9892% | 2,590 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| 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 | 0.4093% | 1,212 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5199% | 272 |
| 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 | 1.3004% | 92 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3231% | 96 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7375% | 8,289 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.3044% | 8,808 |
| Percentage Net Loans Charged-off: Credit card loans | -2.1219% | 2,581 |
| 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 | 0.1031% | 3,346 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2156% | 724 |
| 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 | 0.5199% | 321 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5271% | 327 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8529% | 8,320 |
| Percentage Net Loans Charged-off: Loans to individuals | -2.4757% | 8,857 |
| Percentage Net Loans Charged-off: Credit card loans | -2.3871% | 2,591 |
| 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 | 0.1741% | 2,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2805% | 477 |
| 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 | 0.6476% | 241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6551% | 235 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3949% | 8,432 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.8572% | 8,813 |
| Percentage Net Loans Charged-off: Credit card loans | -1.4978% | 2,537 |
| 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 | 0.5389% | 1,355 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5167% | 382 |
| Percentage Net Loans Charged-off:Construction & development | 1.1859% | 179 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9133% | 203 |
| Percentage Net Loans Charged-off: Home equity loans | -0.5086% | 6,085 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9272% | 206 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8575% | 449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3707% | 4,893 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6214% | 1,314 |
| 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 | 0.3605% | 1,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3519% | 519 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8772% | 183 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4702% | 6,046 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8903% | 199 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9865% | 755 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2642% | 5,057 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5665% | 1,252 |
| 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 | 0.4204% | 1,474 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3930% | 448 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0128% | 157 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0248% | 162 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9476% | 501 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4957% | 3,582 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4055% | 1,220 |
| 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 | 0.5061% | 1,079 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4606% | 345 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1709% | 130 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1865% | 133 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9100% | 618 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9986% | 1,973 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7599% | 1,159 |
| 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 | 2.0324% | 254 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9260% | 71 |
| Percentage Net Loans Charged-off:Construction & development | 0.0263% | 789 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.0006% | 24 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 4.0707% | 19 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.9897% | 471 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0259% | 456 |
| Percentage Net Loans Charged-off: Credit card loans | 5.5176% | 419 |
| 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 | 3.5333% | 113 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1739% | 26 |
| Percentage Net Loans Charged-off:Construction & development | 0.3084% | 402 |
| 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 | 4.7428% | 9 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 4.7897% | 11 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6230% | 746 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.3845% | 117 |
| Percentage Net Loans Charged-off: Credit card loans | 20.6495% | 58 |
| 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 | 1.5816% | 278 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1188% | 18 |
| Percentage Net Loans Charged-off:Construction & development | 0.8133% | 39 |
| 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 | 1.5311% | 16 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5472% | 14 |
| Percentage Net Loans Charged-off: Commercial and industrial | 29.9635% | 3 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1803% | 103 |
| Percentage Net Loans Charged-off: Credit card loans | 18.1095% | 31 |
| 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 | 2.1044% | 200 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0800% | 4 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9741% | 4 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0085% | 1,281 |
| All other 1-4 family - Percent of loans charged-off, net | 3.0488% | 3 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.8904% | 20 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7135% | 136 |
| Percentage Net Loans Charged-off: Credit card loans | 15.7135% | 21 |
| 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 | 0.6497% | 1,065 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1272% | 234 |
| 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 | 0.1807% | 152 |
| Percentage Net Loans Charged-off: Home equity loans | -0.4241% | 1,305 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2105% | 125 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5913% | 294 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3268% | 119 |
| Percentage Net Loans Charged-off: Credit card loans | 14.9568% | 27 |
| 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 | 0.9192% | 665 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1079% | 313 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1512% | 220 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1544% | 198 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4547% | 16 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.3604% | 90 |
| Percentage Net Loans Charged-off: Credit card loans | 18.3192% | 16 |
| 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 | 1.3038% | 501 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0453% | 627 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0602% | 505 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5456% | 69 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0458% | 530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.0839% | 24 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.5728% | 63 |
| Percentage Net Loans Charged-off: Credit card loans | 21.3433% | 15 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.4096% | 2,110 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0325% | 762 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0407% | 589 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2641% | 129 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0343% | 605 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2291% | 75 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7253% | 180 |
| Percentage Net Loans Charged-off: Credit card loans | 9.4732% | 35 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| 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 | 0.1157% | 5,403 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0649% | 680 |
| Percentage Net Loans Charged-off:Construction & development | 0.3320% | 214 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0600% | 538 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0270% | 1,234 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0618% | 517 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1121% | 74 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6935% | 456 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1887% | 193 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| 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 | 0.0263% | 9,010 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0072% | 1,376 |
| Percentage Net Loans Charged-off:Construction & development | 0.0757% | 433 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0089% | 1,397 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0373% | 1,275 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0085% | 1,390 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7715% | 436 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5692% | 76 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8134% | 191 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1187% | 8,538 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 1,324 |
| Percentage Net Loans Charged-off:Construction & development | 0.1077% | 582 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4444% | 465 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4808% | 383 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5556% | 731 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |