Home > The Bank of Georgia > Net charge- offs to loans
The Bank of Georgia, Net charge- offs to loans
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1813% | 1,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1823% | 925 |
| Percentage Net Loans Charged-off:Construction & development | 0.9286% | 254 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0109% | 1,307 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1005% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 830 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1128% | 1,461 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0632% | 4,916 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8644% | 865 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8644% | 782 |
| Percentage Net Loans Charged-off: All other loans and lease | 47.0471% | 30 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1960% | 1,279 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2058% | 857 |
| Percentage Net Loans Charged-off:Construction & development | 1.1331% | 198 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0183% | 1,069 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0062% | 2,439 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0070% | 2,293 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0938% | 5,112 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5745% | 1,223 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5745% | 1,115 |
| Percentage Net Loans Charged-off: All other loans and lease | 17.6523% | 74 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0365% | 2,479 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0497% | 1,505 |
| Percentage Net Loans Charged-off:Construction & development | 0.1434% | 298 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0362% | 648 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0123% | 1,750 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0138% | 1,633 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1921% | 5,495 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0988% | 2,293 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0988% | 2,164 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.2801% | 28 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.4412% | 22 |
| Percentage Net Loans Charged-off:Construction & development | 14.6814% | 33 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0071% | 5,484 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2654% | 1,310 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2897% | 1,165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5889% | 515 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0254% | 3,827 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0254% | 3,707 |
| Percentage Net Loans Charged-off: All other loans and lease | 17.5695% | 80 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.3174% | 13 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.5274% | 14 |
| Percentage Net Loans Charged-off:Construction & development | 18.2430% | 27 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0082% | 5,511 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3543% | 937 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3841% | 841 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1467% | 346 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,617 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,473 |
| Percentage Net Loans Charged-off: All other loans and lease | 15.6099% | 73 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.8955% | 5 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.1675% | 12 |
| Percentage Net Loans Charged-off:Construction & development | 22.6656% | 20 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0082% | 5,583 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4469% | 767 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4840% | 695 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3201% | 230 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0441% | 5,328 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0441% | 5,246 |
| Percentage Net Loans Charged-off: All other loans and lease | 93.5866% | 11 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1271% | 1,955 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0042% | 2,493 |
| Percentage Net Loans Charged-off:Construction & development | -0.0809% | 5,468 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0245% | 5,926 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2369% | 1,086 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2565% | 981 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3408% | 266 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,715 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,584 |
| Percentage Net Loans Charged-off: All other loans and lease | 32.8767% | 34 |
| 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 | 0.7481% | 856 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8301% | 622 |
| Percentage Net Loans Charged-off:Construction & development | 2.2576% | 536 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1809% | 1,763 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1522% | 2,585 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,420 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1657% | 2,409 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1640% | 5,808 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3684% | 6,319 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3684% | 6,275 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4643% | 5,999 |
| 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 | 0.8941% | 650 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8762% | 550 |
| Percentage Net Loans Charged-off:Construction & development | 2.3297% | 488 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2384% | 1,413 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0951% | 2,812 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1036% | 2,612 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6320% | 640 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4396% | 6,384 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4396% | 6,327 |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5141% | 360 |
| 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 | 0.1566% | 2,848 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1742% | 2,224 |
| Percentage Net Loans Charged-off:Construction & development | 0.4736% | 892 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1408% | 2,304 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1536% | 2,121 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0787% | 2,066 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4745% | 6,373 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4745% | 6,310 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8519% | 439 |
| 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 | 0.0852% | 2,986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0833% | 2,372 |
| Percentage Net Loans Charged-off:Construction & development | 0.2357% | 782 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0548% | 2,264 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0598% | 2,099 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1561% | 1,339 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2218% | 5,974 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2218% | 5,920 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.2161% | 241 |
| 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 | 0.4754% | 2,336 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4374% | 2,171 |
| Percentage Net Loans Charged-off:Construction & development | 0.7697% | 1,604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0974% | 2,696 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8053% | 1,133 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4553% | 165 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5032% | 1,706 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7101% | 1,762 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1732% | 1,171 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1732% | 1,074 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1954% | 374 |
| 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 | 0.5664% | 1,918 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5184% | 1,847 |
| Percentage Net Loans Charged-off:Construction & development | 1.0146% | 1,374 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1350% | 2,261 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6777% | 1,317 |
| Percentage Net Loans Charged-off: Home equity loans | 4.3977% | 126 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2319% | 2,530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8507% | 1,435 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5186% | 845 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5186% | 755 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1117% | 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 | 0.5442% | 1,960 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5561% | 1,732 |
| Percentage Net Loans Charged-off:Construction & development | 1.0565% | 1,260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2033% | 1,790 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6003% | 1,445 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5383% | 237 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3543% | 1,958 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2469% | 2,135 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8301% | 1,460 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8301% | 1,325 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3841% | 294 |
| 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 | 0.3589% | 2,227 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3661% | 1,936 |
| Percentage Net Loans Charged-off:Construction & development | 0.5337% | 1,116 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1411% | 1,386 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6964% | 1,178 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7922% | 1,014 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3936% | 1,379 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2104% | 6,178 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.2104% | 6,108 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4845% | 246 |
| 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 | 2.1295% | 620 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2963% | 529 |
| Percentage Net Loans Charged-off:Construction & development | 2.5474% | 1,537 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.4680% | 416 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1405% | 1,087 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3346% | 664 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1085% | 1,114 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4731% | 2,807 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6779% | 2,287 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5765% | 2,285 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.1603% | 308 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2150% | 1,286 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2859% | 1,114 |
| Percentage Net Loans Charged-off:Construction & development | 0.6648% | 2,086 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8496% | 543 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0990% | 1,072 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8766% | 823 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1364% | 1,023 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3805% | 2,630 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9139% | 1,666 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7704% | 1,635 |
| Percentage Net Loans Charged-off: All other loans and lease | 3.7008% | 256 |
| 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 | 0.2862% | 3,444 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2477% | 3,116 |
| Percentage Net Loans Charged-off:Construction & development | 0.0320% | 2,275 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1226% | 2,218 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3007% | 907 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5298% | 756 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7568% | 1,827 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1203% | 6,483 |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3196% | 311 |
| 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 | 0.2966% | 2,867 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2571% | 2,528 |
| Percentage Net Loans Charged-off:Construction & development | 0.0045% | 1,693 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8942% | 541 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2449% | 442 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8861% | 1,328 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5561% | 6,995 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5045% | 7,007 |
| Percentage Net Loans Charged-off: All other loans and lease | 7.8585% | 144 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1207% | 1,986 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9461% | 1,994 |
| Percentage Net Loans Charged-off:Construction & development | 1.1316% | 2,443 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8777% | 1,429 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7207% | 1,798 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8435% | 1,582 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0786% | 1,111 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6304% | 3,013 |
| 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 | 2.0353% | 542 |
| 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 | 0.8212% | 2,397 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6651% | 2,328 |
| Percentage Net Loans Charged-off:Construction & development | 0.3948% | 2,653 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8654% | 1,274 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7321% | 1,604 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8537% | 1,395 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4568% | 1,241 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8704% | 2,244 |
| 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 | 0.9477% | 753 |
| 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 | 0.5908% | 2,754 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4192% | 2,686 |
| Percentage Net Loans Charged-off:Construction & development | 0.6946% | 2,159 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0742% | 1,115 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2511% | 966 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3279% | 1,206 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8413% | 2,170 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1264% | 1,495 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8126% | 1,578 |
| Percentage Net Loans Charged-off:Construction & development | 1.5335% | 1,328 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6296% | 687 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8986% | 590 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2901% | 591 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9270% | 1,902 |
| 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 | 4.3560% | 346 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.0663% | 371 |
| Percentage Net Loans Charged-off:Construction & development | 8.5411% | 724 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0389% | 1,100 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2528% | 1,065 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7347% | 365 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9872% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.3700% | 529 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8737% | 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 | 4.4975% | 446 |
| 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 | 3.7652% | 388 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1705% | 454 |
| Percentage Net Loans Charged-off:Construction & development | 6.4075% | 788 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6984% | 1,092 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6882% | 665 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6566% | 241 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3302% | 829 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.4629% | 340 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7780% | 1,444 |
| 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 | 4.4127% | 378 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7177% | 621 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7519% | 873 |
| Percentage Net Loans Charged-off:Construction & development | 3.0032% | 1,187 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8642% | 743 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8280% | 1,118 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9805% | 950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.0235% | 335 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3144% | 4,039 |
| 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 | 1.5177% | 617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7624% | 824 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7265% | 664 |
| Percentage Net Loans Charged-off:Construction & development | 2.1783% | 913 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8332% | 273 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1675% | 1,948 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1979% | 1,704 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8758% | 998 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0358% | 1,120 |
| 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 | 2.1122% | 443 |
| 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 | 0.9524% | 1,297 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0047% | 922 |
| Percentage Net Loans Charged-off:Construction & development | 1.6596% | 1,212 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3175% | 1,151 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6103% | 1,016 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7277% | 818 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5344% | 2,629 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4152% | 764 |
| 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 | 2.5894% | 461 |
| 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 | 0.5595% | 1,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5775% | 1,047 |
| Percentage Net Loans Charged-off:Construction & development | 1.0782% | 1,038 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3175% | 1,280 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3799% | 1,054 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4277% | 2,195 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7704% | 2,393 |
| 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 | 2.5121% | 381 |
| 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 | 0.2852% | 2,215 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3220% | 1,277 |
| Percentage Net Loans Charged-off:Construction & development | 0.5915% | 958 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1416% | 1,693 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1717% | 1,457 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0664% | 2,818 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6612% | 2,419 |
| 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 | 1.1310% | 546 |
| 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 | 0.3734% | 1,370 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4600% | 724 |
| Percentage Net Loans Charged-off:Construction & development | 0.8158% | 490 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2829% | 878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3490% | 717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0859% | 1,910 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2909% | 7,579 |
| 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 | 1.3675% | 420 |
| 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 | 0.4041% | 1,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4450% | 638 |
| Percentage Net Loans Charged-off:Construction & development | 0.6551% | 579 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8066% | 325 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0479% | 244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2364% | 2,602 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1010% | 5,142 |
| 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 | 1.1157% | 604 |
| 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 | 0.1156% | 2,924 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0973% | 1,530 |
| Percentage Net Loans Charged-off:Construction & development | 0.1585% | 662 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0706% | 1,665 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0925% | 1,372 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2245% | 2,134 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2960% | 7,932 |
| 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 | 0.6021% | 695 |
| 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 | 0.0691% | 3,262 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0095% | 2,448 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1141% | 1,118 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1511% | 871 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3425% | 1,510 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1408% | 7,472 |
| 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 | 0.2719% | 865 |
| 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 | 0.1380% | 1,826 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0196% | 1,551 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2324% | 568 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3065% | 458 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6826% | 751 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2708% | 7,576 |
| 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 | 0.2386% | 685 |
| 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 | 0.0846% | 3,579 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0130% | 2,938 |
| Percentage Net Loans Charged-off:Construction & development | 0.0217% | 707 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3566% | 1,962 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8084% | 1,869 |
| Percentage Net Loans Charged-off: Credit card loans | 52.1236% | 9 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3998% | 864 |
| 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 | 0.0997% | 2,727 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0174% | 2,313 |
| Percentage Net Loans Charged-off:Construction & development | 0.0287% | 503 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5394% | 1,243 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5908% | 2,230 |
| Percentage Net Loans Charged-off: Credit card loans | 57.6525% | 7 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2611% | 885 |
| 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 | 0.1377% | 2,018 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0260% | 1,796 |
| Percentage Net Loans Charged-off:Construction & development | 0.0425% | 348 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8694% | 846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4597% | 2,502 |
| Percentage Net Loans Charged-off: Credit card loans | 37.0671% | 17 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1024% | 972 |
| 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 | 0.0036% | 4,267 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0642% | 3,674 |
| Percentage Net Loans Charged-off: Credit card loans | 21.6216% | 31 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6873% | 487 |
| 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 | 0.0683% | 4,341 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0571% | 3,621 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0694% | 610 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3369% | 1,071 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2342% | 1,060 |
| 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 | 0.0357% | 4,651 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1150% | 1,426 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7235% | 816 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2667% | 898 |
| 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 | 0.0050% | 5,424 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1175% | 4,658 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5370% | 575 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3309% | 711 |
| 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 | 0.0121% | 4,277 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2259% | 3,472 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1948% | 260 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4072% | 328 |
| 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 | 0.0369% | 5,601 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1542% | 3,311 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3769% | 4,438 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3631% | 1,561 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 8.5271% | 109 |
| 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 | 0.0492% | 4,730 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3879% | 2,018 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1484% | 5,274 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 19.3336% | 47 |
| 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 | 0.0761% | 3,827 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5976% | 1,466 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2154% | 4,529 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 284.1358% | 4 |
| 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 | 0.0181% | 4,512 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0669% | 1,938 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,682 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 105.2632% | 7 |
| 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 | 0.0168% | 6,778 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0016% | 7,966 |
| Percentage Net Loans Charged-off:Construction & development | -0.0028% | 7,929 |
| 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 | 0.0000% | 3,467 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,279 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1701% | 3,771 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0371% | 6,790 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5624% | 1,691 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7335% | 481 |
| 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 | 0.0190% | 6,188 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0022% | 7,967 |
| Percentage Net Loans Charged-off:Construction & development | -0.0038% | 7,929 |
| 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 | 0.0000% | 2,919 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2509% | 2,924 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0587% | 6,272 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8036% | 1,526 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5383% | 848 |
| 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 | 0.0305% | 5,448 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3695% | 2,252 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0949% | 5,589 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2821% | 1,259 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7984% | 641 |
| 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 | 0.0583% | 4,016 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,066 |
| 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 | 0.0000% | 1,648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7919% | 1,176 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1908% | 4,306 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6230% | 794 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1023% | 5,110 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0279% | 3,054 |
| Percentage Net Loans Charged-off:Construction & development | 0.0034% | 858 |
| 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 | 0.3180% | 685 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4369% | 519 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6987% | 2,375 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1646% | 1,988 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,947 |
| 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 | 0.0015% | 7,738 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.6596% | 343 |
| 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 | 0.0000% | 7,622 |
| 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 |