| 2008-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 1.8168% | 603 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7270% | 495 |
| Percentage Net Loans Charged-off:Construction & development | 2.8165% | 873 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0098% | 2,280 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3766% | 437 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6020% | 631 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4858% | 390 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.2783% | 631 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7481% | 1,215 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0059% | 6,684 |
| 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 | 0.4265% | 1,944 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4227% | 1,333 |
| Percentage Net Loans Charged-off:Construction & development | 0.3525% | 1,593 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5611% | 828 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6082% | 502 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5547% | 780 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4522% | 2,137 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4263% | 1,278 |
| 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 | -0.0081% | 6,700 |
| 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 | 0.2679% | 2,313 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2267% | 1,589 |
| Percentage Net Loans Charged-off:Construction & development | 0.2489% | 1,254 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6757% | 584 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0242% | 866 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7634% | 487 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5801% | 1,518 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0376% | 1,633 |
| 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 | -0.0247% | 6,811 |
| 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 | 0.2436% | 1,907 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2201% | 1,177 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3054% | 242 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0959% | 5,970 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4964% | 192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3745% | 1,314 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1909% | 1,318 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0497% | 6,907 |
| 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 | 0.0910% | 4,104 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0115% | 3,805 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0626% | 2,261 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0787% | 760 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0604% | 2,165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2579% | 2,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8112% | 746 |
| 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 | 0.4722% | 886 |
| 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 | 0.0747% | 3,637 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0154% | 2,835 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| 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 | 0.0720% | 1,646 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1038% | 531 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0677% | 1,589 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0230% | 3,101 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8719% | 621 |
| 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 | 0.6303% | 683 |
| 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 | 0.0771% | 3,096 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0171% | 2,245 |
| 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 | 0.0783% | 1,329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1541% | 363 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0681% | 1,291 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1913% | 1,855 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0675% | 520 |
| 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 | 0.1056% | 2,143 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0475% | 1,235 |
| 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 | 0.2113% | 615 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7874% | 103 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1344% | 727 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2284% | 1,228 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8942% | 601 |
| 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 | 0.1577% | 2,396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0483% | 1,997 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0389% | 1,013 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1265% | 1,207 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0868% | 491 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1317% | 1,132 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7469% | 1,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9896% | 1,485 |
| 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 | 0.0793% | 1,319 |
| 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 | 0.0687% | 3,324 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0388% | 1,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0515% | 727 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0551% | 1,561 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0289% | 492 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0585% | 1,455 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0253% | 2,922 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1563% | 1,094 |
| 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 | 0.1706% | 1,002 |
| 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 | 0.0741% | 2,906 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0600% | 1,300 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0746% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0898% | 1,098 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0427% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0960% | 1,013 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0940% | 7,350 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0920% | 1,150 |
| 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 | 0.2694% | 770 |
| 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 | 0.0890% | 2,218 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0169% | 1,369 |
| 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 | 0.0604% | 917 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0839% | 224 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0572% | 869 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2652% | 1,100 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8681% | 1,436 |
| 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 | 0.5792% | 523 |
| 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 | 0.0777% | 4,115 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0133% | 2,947 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0064% | 7,995 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0595% | 1,877 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0677% | 1,702 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1977% | 2,795 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5500% | 1,024 |
| 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 | -0.2258% | 7,448 |
| 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 | 0.0635% | 3,855 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0217% | 2,293 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0087% | 8,010 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0819% | 1,384 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0932% | 1,252 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0808% | 2,877 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6096% | 851 |
| 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 | -0.3328% | 7,516 |
| 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 | 0.0400% | 4,148 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0455% | 1,565 |
| 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 | 0.1439% | 893 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3676% | 147 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1129% | 1,013 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0647% | 7,285 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3097% | 1,135 |
| 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 | -0.4690% | 7,539 |
| 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 | 0.0130% | 4,240 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0419% | 1,223 |
| 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 | 0.1296% | 791 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7404% | 79 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0454% | 1,070 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0476% | 7,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1991% | 1,251 |
| 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 | -0.8466% | 7,613 |
| 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 | 0.3279% | 1,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3042% | 600 |
| Percentage Net Loans Charged-off:Construction & development | 0.4691% | 232 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2374% | 729 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3534% | 545 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4841% | 147 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3376% | 597 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3795% | 2,459 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9538% | 2,156 |
| 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 | 0.0543% | 1,448 |
| 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 | 0.1873% | 2,461 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1718% | 903 |
| Percentage Net Loans Charged-off:Construction & development | -0.0096% | 7,852 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2855% | 481 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1704% | 931 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3683% | 164 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1472% | 1,043 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1449% | 2,807 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9833% | 1,913 |
| 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 | -0.0133% | 7,071 |
| 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 | 0.1930% | 2,316 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2072% | 740 |
| Percentage Net Loans Charged-off:Construction & development | -0.0149% | 7,845 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3977% | 352 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1529% | 958 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5686% | 116 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1055% | 1,148 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1563% | 2,364 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4473% | 3,417 |
| 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 | -0.0201% | 7,129 |
| 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 | 0.0734% | 3,260 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0073% | 1,844 |
| Percentage Net Loans Charged-off:Construction & development | -0.0195% | 7,839 |
| 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 | 0.0292% | 1,347 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3464% | 119 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0054% | 8,131 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2882% | 1,438 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3696% | 3,326 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.6177% | 1,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0445% | 2,662 |
| Percentage Net Loans Charged-off:Construction & development | -0.0180% | 7,979 |
| 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 | 0.2135% | 1,058 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1011% | 6,058 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2460% | 962 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4260% | 737 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9608% | 886 |
| 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 | 0.9249% | 729 |
| 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 | 0.5910% | 1,062 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0296% | 2,513 |
| Percentage Net Loans Charged-off:Construction & development | -0.0174% | 7,972 |
| 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 | 0.2033% | 925 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1347% | 302 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2103% | 902 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4669% | 595 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2130% | 664 |
| 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 | 0.3614% | 1,002 |
| 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 | 0.2849% | 2,126 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0348% | 2,093 |
| Percentage Net Loans Charged-off:Construction & development | -0.0206% | 7,949 |
| 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 | 0.2749% | 672 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0498% | 339 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2979% | 638 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6797% | 1,666 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2109% | 682 |
| 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 | 0.2544% | 965 |
| 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 | 0.3438% | 1,580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0905% | 1,125 |
| Percentage Net Loans Charged-off:Construction & development | -0.0207% | 7,922 |
| 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 | 0.2263% | 640 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2492% | 600 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2493% | 1,786 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7771% | 344 |
| 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 | 0.2157% | 754 |
| 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 | 0.4026% | 2,079 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1493% | 1,381 |
| Percentage Net Loans Charged-off:Construction & development | -0.0372% | 8,095 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1474% | 959 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2310% | 944 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5861% | 146 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1969% | 1,078 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9256% | 2,004 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7602% | 1,072 |
| 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 | 0.0038% | 1,948 |
| 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 | 0.3776% | 2,159 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0504% | 2,369 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0025% | 1,424 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0880% | 1,655 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3504% | 231 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0662% | 1,811 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6397% | 2,376 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9337% | 853 |
| Percentage Net Loans Charged-off: Credit card loans | 8.3515% | 200 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2450% | 1,284 |
| 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 | 0.2352% | 2,757 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0085% | 791 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0146% | 695 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0158% | 640 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3074% | 594 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0791% | 374 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8152% | 345 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0858% | 302 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1989% | 3,244 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0031% | 1,279 |
| 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 | -0.0049% | 1,356 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0054% | 1,360 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2288% | 637 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9535% | 467 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7549% | 115 |
| 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 | 0.2760% | 2,654 |
| 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 | 0.7152% | 964 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4385% | 2,014 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1047% | 5,517 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.1905% | 4,147 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.4625% | 2,931 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank |
| Percent of loans charged-off, net |
| Net charge-offs to loans | 0.2066% | 7,183 |
| 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 |
