Home > Summit Bank > Net charge- offs to loans
Summit Bank, Net charge- offs to loans
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2113% | 1,486 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2445% | 1,043 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0013% | 5,555 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8105% | 393 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0338% | 581 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9170% | 345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0677% | 1,167 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0179% | 2,702 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0179% | 2,574 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3156% | 5,816 |
| 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 | 0.2734% | 2,332 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3099% | 1,709 |
| Percentage Net Loans Charged-off:Construction & development | -0.1481% | 5,644 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0378% | 2,410 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9955% | 469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4887% | 685 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0694% | 443 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0101% | 3,058 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0723% | 3,868 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0723% | 3,719 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4163% | 725 |
| 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 | 0.2958% | 2,055 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3350% | 1,560 |
| Percentage Net Loans Charged-off:Construction & development | -0.2867% | 5,813 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0513% | 2,039 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1072% | 416 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2994% | 837 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2266% | 377 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0258% | 2,597 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0507% | 3,649 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0507% | 3,507 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3681% | 702 |
| 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 | 0.3551% | 1,776 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4007% | 1,333 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0129% | 1,970 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2577% | 396 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4400% | 651 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3810% | 368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1154% | 1,943 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0589% | 5,559 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0589% | 5,499 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1574% | 832 |
| 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 | 0.3246% | 1,664 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3598% | 1,316 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0263% | 1,342 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0892% | 492 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8985% | 342 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1186% | 471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2342% | 1,196 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2032% | 5,934 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2032% | 5,873 |
| 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 | 0.5689% | 2,019 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6487% | 1,587 |
| Percentage Net Loans Charged-off:Construction & development | 2.3362% | 1,002 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1922% | 2,306 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.8880% | 162 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4358% | 1,995 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2729% | 1,297 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4619% | 1,836 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1061% | 3,116 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1634% | 3,616 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1634% | 3,452 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0415% | 1,435 |
| 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 | 0.4666% | 2,236 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5355% | 1,801 |
| Percentage Net Loans Charged-off:Construction & development | 1.6904% | 1,109 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1674% | 2,157 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.7633% | 140 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2193% | 2,725 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1085% | 1,399 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2372% | 2,502 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1047% | 2,804 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0167% | 4,158 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0167% | 3,971 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0265% | 1,345 |
| 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 | 0.4344% | 2,301 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5020% | 1,836 |
| Percentage Net Loans Charged-off:Construction & development | 2.3146% | 887 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1170% | 2,008 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.2483% | 161 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1875% | 2,675 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0846% | 1,248 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2043% | 2,453 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1192% | 2,427 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0930% | 6,013 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0930% | 5,932 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0252% | 5,946 |
| 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 | 0.3031% | 2,447 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3581% | 1,962 |
| Percentage Net Loans Charged-off:Construction & development | 2.7636% | 634 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0201% | 1,662 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2798% | 1,943 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0422% | 5,071 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3332% | 1,700 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0666% | 1,841 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2212% | 6,205 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2212% | 6,140 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2465% | 4,239 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2638% | 3,589 |
| Percentage Net Loans Charged-off:Construction & development | -0.1187% | 6,449 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1705% | 2,841 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8165% | 655 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5070% | 2,199 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6867% | 1,069 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4745% | 2,213 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1839% | 3,504 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1680% | 4,139 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1544% | 3,974 |
| 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 | 0.1746% | 4,407 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1805% | 3,727 |
| Percentage Net Loans Charged-off:Construction & development | -0.5147% | 6,600 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0522% | 2,874 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.0682% | 521 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5010% | 2,010 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5645% | 1,034 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4893% | 1,961 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1862% | 3,098 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1033% | 4,128 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0928% | 3,964 |
| 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 | 0.3939% | 2,980 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4408% | 2,440 |
| Percentage Net Loans Charged-off:Construction & development | 1.0488% | 1,659 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0185% | 2,578 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6212% | 364 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7993% | 1,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9483% | 1,187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1967% | 2,709 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1375% | 3,595 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1192% | 3,439 |
| 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 | 0.3239% | 2,762 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3548% | 2,235 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0517% | 7,056 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.7021% | 190 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7966% | 1,140 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9474% | 949 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3225% | 1,837 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2094% | 6,514 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1704% | 6,463 |
| 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 | 0.4350% | 3,879 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4338% | 3,194 |
| Percentage Net Loans Charged-off:Construction & development | 0.3637% | 2,956 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1419% | 3,029 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6991% | 558 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7273% | 1,787 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1673% | 1,672 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8287% | 1,602 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6190% | 3,120 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2479% | 4,331 |
| 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 | 0.3724% | 3,815 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2989% | 3,400 |
| Percentage Net Loans Charged-off:Construction & development | 0.3855% | 2,663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1228% | 2,689 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6105% | 1,843 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2228% | 1,413 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6799% | 1,654 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1636% | 2,050 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1468% | 4,461 |
| 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 | 0.3548% | 3,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1893% | 3,608 |
| Percentage Net Loans Charged-off:Construction & development | 0.4029% | 2,324 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0053% | 7,235 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4546% | 2,002 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0441% | 1,372 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5278% | 1,773 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9296% | 1,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1184% | 4,218 |
| 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% | 1,540 |
| 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 | 0.2393% | 3,501 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1180% | 3,280 |
| Percentage Net Loans Charged-off:Construction & development | 0.1162% | 1,924 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0092% | 7,356 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3193% | 1,943 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1873% | 867 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3428% | 1,789 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4813% | 1,283 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0957% | 6,645 |
| 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 | 0.3688% | 4,374 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4086% | 3,198 |
| Percentage Net Loans Charged-off:Construction & development | 1.0751% | 2,530 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1532% | 2,627 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5338% | 673 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5404% | 1,982 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0160% | 850 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4515% | 2,116 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1794% | 4,539 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2667% | 4,918 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.2742% | 4,332 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3017% | 3,104 |
| Percentage Net Loans Charged-off:Construction & development | 0.5527% | 2,470 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0792% | 2,406 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7659% | 459 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4670% | 1,864 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6691% | 895 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4289% | 1,877 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1798% | 3,923 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1157% | 5,200 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2386% | 4,000 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2378% | 2,962 |
| Percentage Net Loans Charged-off:Construction & development | 0.2872% | 2,307 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1585% | 1,647 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2444% | 294 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2611% | 2,215 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3108% | 1,934 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3484% | 2,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1341% | 4,716 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1251% | 3,965 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0940% | 2,943 |
| Percentage Net Loans Charged-off:Construction & development | -0.0112% | 7,355 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0837% | 1,151 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1862% | 1,887 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2215% | 1,654 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5151% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1875% | 7,300 |
| 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 | 0.1225% | 5,019 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0555% | 4,275 |
| Percentage Net Loans Charged-off:Construction & development | 0.1006% | 2,599 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0347% | 2,091 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0714% | 3,172 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1305% | 1,152 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0608% | 3,102 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4021% | 2,949 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7170% | 3,001 |
| 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 | 0.0789% | 4,778 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0213% | 4,074 |
| Percentage Net Loans Charged-off:Construction & development | 0.0212% | 2,166 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0024% | 1,739 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0492% | 2,852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1381% | 898 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0335% | 2,830 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2733% | 2,612 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6575% | 2,712 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0909% | 3,966 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0246% | 3,308 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0037% | 1,305 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0723% | 2,137 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2257% | 627 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0464% | 2,150 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4626% | 1,709 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3603% | 3,364 |
| 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 | 0.1185% | 2,797 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0567% | 2,054 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0075% | 781 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1724% | 1,131 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5119% | 312 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1184% | 1,206 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4403% | 1,236 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4232% | 2,678 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0458% | 5,091 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0361% | 3,115 |
| Percentage Net Loans Charged-off:Construction & development | 0.0351% | 1,403 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0318% | 1,383 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0538% | 2,387 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0480% | 832 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0545% | 2,247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0027% | 3,934 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4481% | 3,291 |
| 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 | -0.5223% | 7,369 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0195% | 5,132 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0125% | 2,913 |
| Percentage Net Loans Charged-off:Construction & development | 0.0327% | 935 |
| 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 | 0.0156% | 2,392 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0268% | 672 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0142% | 2,250 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0638% | 7,257 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4889% | 2,729 |
| 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 | -0.6947% | 7,393 |
| 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 | 0.0410% | 3,880 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0057% | 2,561 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| 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 | 0.0178% | 1,893 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0105% | 5,957 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0215% | 1,708 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0601% | 7,205 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6509% | 1,960 |
| 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 | -0.0336% | 7,544 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0121% | 1,665 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| 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 | 0.0379% | 1,194 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0214% | 5,968 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 1,052 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5260% | 7,896 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1819% | 3,164 |
| 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 | 0.0749% | 3,788 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0178% | 2,786 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0180% | 1,157 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0333% | 2,215 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0242% | 6,029 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0400% | 1,995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0808% | 3,069 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3313% | 3,722 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0551% | 551 |
| 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 | 0.0500% | 3,748 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0121% | 2,459 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0246% | 849 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0094% | 2,247 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0250% | 6,021 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0133% | 2,021 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1353% | 7,580 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2695% | 3,603 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4104% | 419 |
| 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 | 0.0063% | 4,964 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0192% | 1,925 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0381% | 653 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0155% | 1,776 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0256% | 5,994 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0201% | 1,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1871% | 7,641 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0986% | 4,256 |
| 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 | 0.2452% | 792 |
| 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 | 0.0726% | 2,443 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1482% | 552 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2645% | 220 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1507% | 616 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0261% | 5,972 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1706% | 556 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3807% | 7,876 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0487% | 6,833 |
| 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 | 0.5209% | 537 |
| 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 | 0.1097% | 3,511 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0013% | 3,498 |
| Percentage Net Loans Charged-off:Construction & development | 0.0817% | 432 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0131% | 1,234 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0412% | 8,312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1836% | 299 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0646% | 8,357 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3981% | 2,139 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4399% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4956% | 817 |
| 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 | 0.0836% | 3,424 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0218% | 8,088 |
| Percentage Net Loans Charged-off:Construction & development | 0.0319% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0694% | 8,373 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2658% | 196 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1034% | 8,413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4656% | 1,624 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3940% | 3,587 |
| 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 | 0.0875% | 3,089 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0338% | 8,179 |
| Percentage Net Loans Charged-off:Construction & development | 0.0522% | 311 |
| 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 | -0.1062% | 8,431 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3674% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1528% | 8,475 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5229% | 1,362 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4262% | 3,149 |
| 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 | 0.0094% | 4,372 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1474% | 8,591 |
| Percentage Net Loans Charged-off:Construction & development | -0.1537% | 7,823 |
| 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 | -0.3316% | 8,650 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3635% | 8,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5826% | 944 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3998% | 2,870 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.1518% | 3,361 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0457% | 2,394 |
| Percentage Net Loans Charged-off:Construction & development | 0.0937% | 506 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0186% | 1,393 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0709% | 1,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2711% | 243 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0527% | 2,061 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3986% | 2,403 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7995% | 2,617 |
| 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 | -0.8103% | 7,739 |
| 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 | 0.0501% | 4,709 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0176% | 2,699 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0313% | 1,009 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0152% | 2,409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1066% | 325 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0071% | 2,450 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4457% | 1,882 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4134% | 3,813 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.8355% | 7,816 |
| 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 | 0.0458% | 4,497 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0115% | 2,440 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0564% | 8,515 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0798% | 1,373 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1635% | 239 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0724% | 1,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6914% | 1,357 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4548% | 3,380 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.8147% | 7,835 |
| 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 | 0.0286% | 4,202 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0625% | 1,242 |
| 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 | 0.1536% | 782 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3366% | 121 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1374% | 793 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7755% | 962 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7009% | 2,410 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -5.1022% | 7,815 |
| 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 | 0.4003% | 1,872 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1306% | 1,560 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0197% | 1,444 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2827% | 833 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3028% | 800 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8025% | 1,991 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2912% | 5,374 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.8984% | 328 |
| 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 | 0.5232% | 1,210 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1672% | 1,075 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0013% | 1,267 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3791% | 528 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4047% | 509 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0784% | 1,345 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2992% | 4,838 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.7621% | 246 |
| 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 | 0.5669% | 1,082 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0922% | 1,438 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0019% | 973 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2058% | 844 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2191% | 805 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1798% | 1,155 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4544% | 3,752 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 4.6349% | 195 |
| 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 | 0.9355% | 536 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1032% | 1,064 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2301% | 635 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2443% | 607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2906% | 527 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3383% | 8,489 |
| 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 | 9.2396% | 113 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4598% | 1,796 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0279% | 3,056 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0646% | 2,107 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0682% | 1,992 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2561% | 941 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5784% | 3,943 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2724% | 2,906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0938% | 1,740 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2391% | 802 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2527% | 759 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4456% | 2,815 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9710% | 2,340 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0035% | 7,486 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0043% | 7,752 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,132 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,512 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |