Home > The First National Bank of Durango > Net charge- offs to loans
The First National Bank of Durango, Net charge- offs to loans
| 2018-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0172% | 2,570 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0034% | 4,023 |
| Percentage Net Loans Charged-off:Construction & development | -0.0248% | 4,533 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 695 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,520 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 391 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,443 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0312% | 4,256 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5098% | 437 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5099% | 377 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2018-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2422% | 632 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0023% | 3,984 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 165 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0045% | 4,757 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3215% | 155 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3362% | 587 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3362% | 514 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2017-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0233% | 3,340 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0103% | 2,345 |
| Percentage Net Loans Charged-off:Construction & development | -0.0094% | 4,450 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,316 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 180 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0395% | 1,673 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 680 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0533% | 1,443 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0382% | 4,538 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1801% | 712 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1801% | 644 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 42 |
| 2017-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0145% | 3,231 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0009% | 4,059 |
| Percentage Net Loans Charged-off:Construction & development | -0.0065% | 4,476 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,100 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 589 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,002 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0255% | 4,347 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1166% | 715 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1166% | 632 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2017-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0187% | 2,873 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0014% | 4,063 |
| Percentage Net Loans Charged-off:Construction & development | -0.0098% | 4,555 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 817 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 105 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,811 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 486 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,712 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0281% | 4,339 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4058% | 517 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4058% | 456 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2017-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0304% | 2,155 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0028% | 4,210 |
| Percentage Net Loans Charged-off:Construction & development | -0.0203% | 4,747 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,343 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 357 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,248 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0178% | 4,171 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1425% | 345 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.1425% | 306 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 25 |
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3581% | 5,806 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0067% | 4,686 |
| Percentage Net Loans Charged-off:Construction & development | -0.0549% | 4,779 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0014% | 4,715 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 220 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0025% | 4,750 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 792 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0038% | 4,827 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.3034% | 5,664 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4501% | 558 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4501% | 506 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,609 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0916% | 5,543 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0214% | 5,010 |
| Percentage Net Loans Charged-off:Construction & development | -0.2322% | 5,136 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 177 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0034% | 4,717 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 687 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0052% | 4,809 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.9088% | 5,601 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4407% | 522 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4407% | 464 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 36 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1528% | 5,746 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0312% | 5,183 |
| Percentage Net Loans Charged-off:Construction & development | -0.3362% | 5,264 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 960 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 148 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0053% | 4,789 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 570 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 4,906 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5074% | 5,725 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0523% | 333 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0523% | 293 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,209 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1914% | 5,840 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0624% | 5,499 |
| Percentage Net Loans Charged-off:Construction & development | -0.6308% | 5,389 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 631 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 90 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0110% | 4,952 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 408 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0174% | 5,146 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.5601% | 5,780 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4966% | 535 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4966% | 476 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 943 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3362% | 6,023 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1950% | 5,889 |
| Percentage Net Loans Charged-off:Construction & development | -0.0679% | 4,952 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1517% | 5,727 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3646% | 5,980 |
| Percentage Net Loans Charged-off: Home equity loans | -0.8486% | 4,559 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0232% | 5,419 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.0722% | 5,885 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5880% | 429 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5880% | 381 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,449 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2435% | 6,041 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0899% | 5,740 |
| Percentage Net Loans Charged-off:Construction & development | -0.0920% | 5,089 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2015% | 5,863 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 241 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1084% | 1,525 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2915% | 381 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0250% | 5,476 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.2072% | 5,968 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0005% | 305 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0005% | 265 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,309 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.2892% | 6,112 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1337% | 5,901 |
| Percentage Net Loans Charged-off:Construction & development | -0.1387% | 5,230 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3038% | 6,003 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1680% | 1,129 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4404% | 289 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0381% | 5,652 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.4067% | 6,030 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4958% | 240 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.4958% | 212 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1324% | 5,947 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0809% | 1,291 |
| Percentage Net Loans Charged-off:Construction & development | -0.2415% | 5,433 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3601% | 559 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9081% | 145 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0577% | 5,799 |
| Percentage Net Loans Charged-off: Commercial and industrial | -3.0115% | 6,112 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3710% | 307 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.3710% | 271 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1753% | 6,240 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1762% | 6,226 |
| Percentage Net Loans Charged-off:Construction & development | -1.6496% | 5,793 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,194 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0077% | 5,651 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0175% | 4,408 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,439 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0650% | 5,201 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6565% | 6,184 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.6565% | 6,139 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1095% | 6,167 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1759% | 6,285 |
| Percentage Net Loans Charged-off:Construction & development | -1.6100% | 5,840 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,863 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0067% | 5,612 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0154% | 4,426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,100 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0500% | 5,058 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.1186% | 201 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.1186% | 184 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1470% | 6,263 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1756% | 6,322 |
| Percentage Net Loans Charged-off:Construction & development | -1.5899% | 5,869 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0099% | 5,666 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0228% | 4,466 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,766 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0567% | 5,087 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9198% | 950 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9198% | 874 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.1447% | 6,270 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1742% | 6,382 |
| Percentage Net Loans Charged-off:Construction & development | -1.5496% | 5,906 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0098% | 5,575 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0224% | 4,486 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,040 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0764% | 5,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0501% | 841 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0501% | 761 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0556% | 4,455 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0559% | 3,651 |
| Percentage Net Loans Charged-off:Construction & development | -0.4208% | 5,830 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1515% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0816% | 3,162 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1711% | 1,102 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,923 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0808% | 5,544 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5111% | 2,046 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5111% | 1,921 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0242% | 4,647 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0227% | 3,855 |
| Percentage Net Loans Charged-off:Construction & development | -0.1003% | 5,641 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1158% | 2,619 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2379% | 918 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,581 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0950% | 5,614 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4920% | 1,886 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4920% | 1,761 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0485% | 4,000 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0534% | 3,166 |
| Percentage Net Loans Charged-off:Construction & development | -0.0125% | 5,439 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1820% | 2,098 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3720% | 718 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1216% | 5,704 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3970% | 2,017 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3970% | 1,893 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0216% | 5,750 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0060% | 5,764 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 915 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,435 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0192% | 6,096 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0397% | 4,744 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1947% | 5,938 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1326% | 5,754 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1326% | 5,704 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2213% | 3,622 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2832% | 2,809 |
| Percentage Net Loans Charged-off:Construction & development | -0.1686% | 6,096 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0235% | 6,506 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0064% | 884 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6127% | 406 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3768% | 2,099 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7812% | 6,609 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6538% | 1,961 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6538% | 1,820 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1408% | 3,991 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2124% | 3,003 |
| Percentage Net Loans Charged-off:Construction & development | -0.0080% | 5,919 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0308% | 6,596 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7400% | 1,200 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3985% | 452 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0254% | 3,840 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1187% | 6,739 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8184% | 1,515 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8184% | 1,385 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2086% | 3,321 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2045% | 2,898 |
| Percentage Net Loans Charged-off:Construction & development | -0.0120% | 5,948 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0455% | 6,692 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7427% | 1,214 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3681% | 449 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0478% | 3,307 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0197% | 5,513 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1130% | 1,128 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1130% | 1,009 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2772% | 2,562 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3079% | 2,120 |
| Percentage Net Loans Charged-off:Construction & development | -0.0241% | 6,017 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2621% | 6,981 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4416% | 568 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7582% | 215 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0391% | 5,580 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4832% | 3,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3390% | 3,222 |
| Percentage Net Loans Charged-off:Construction & development | 0.0377% | 2,872 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2147% | 2,682 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6768% | 1,771 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2249% | 730 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1537% | 3,584 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4644% | 980 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6218% | 2,438 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5621% | 2,336 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4678% | 2,863 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2805% | 3,199 |
| Percentage Net Loans Charged-off:Construction & development | -0.0538% | 6,424 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0032% | 3,129 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8425% | 1,385 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5917% | 522 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1491% | 3,310 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.9628% | 743 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7401% | 1,955 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6521% | 1,869 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3578% | 3,125 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3531% | 2,718 |
| Percentage Net Loans Charged-off:Construction & development | -0.0760% | 6,466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0024% | 2,646 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0642% | 1,103 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9859% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2180% | 2,670 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3280% | 2,452 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7235% | 1,903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6142% | 1,819 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6679% | 1,871 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6950% | 1,559 |
| Percentage Net Loans Charged-off:Construction & development | -0.1411% | 6,546 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0723% | 488 |
| Percentage Net Loans Charged-off: Home equity loans | 3.9695% | 198 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4099% | 1,617 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2714% | 1,904 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9052% | 1,476 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7241% | 1,397 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6250% | 3,152 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6451% | 2,585 |
| Percentage Net Loans Charged-off:Construction & development | 2.1675% | 2,011 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7544% | 1,735 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9402% | 909 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5926% | 2,012 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0743% | 4,462 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6784% | 1,314 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3304% | 4,010 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3086% | 3,354 |
| Percentage Net Loans Charged-off:Construction & development | 0.6375% | 2,472 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5559% | 1,959 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7139% | 950 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4173% | 2,239 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0978% | 3,967 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0095% | 1,049 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3128% | 3,758 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2720% | 3,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.2864% | 2,411 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6322% | 1,642 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0639% | 686 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2541% | 2,468 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2218% | 3,164 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2511% | 910 |
| 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 | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0677% | 4,731 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0142% | 3,988 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0412% | 2,912 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0766% | 2,596 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3814% | 2,103 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1646% | 1,615 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3395% | 1,862 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4616% | 1,402 |
| Percentage Net Loans Charged-off:Construction & development | 4.4718% | 1,360 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1805% | 2,513 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6578% | 1,758 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9015% | 908 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4336% | 2,160 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2499% | 4,349 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5392% | 3,960 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5096% | 1,352 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6389% | 1,026 |
| Percentage Net Loans Charged-off:Construction & development | 4.6987% | 1,029 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2387% | 1,852 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8727% | 1,205 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1672% | 638 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6003% | 1,505 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4222% | 3,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5063% | 3,699 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5178% | 2,771 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5234% | 2,085 |
| Percentage Net Loans Charged-off:Construction & development | 0.4877% | 2,134 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2278% | 1,486 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8763% | 1,080 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0521% | 587 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7146% | 1,192 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4709% | 2,718 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5573% | 3,331 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0840% | 4,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0838% | 3,010 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3458% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1019% | 7,923 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1968% | 7,956 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3603% | 3,280 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3700% | 2,992 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3355% | 2,177 |
| Percentage Net Loans Charged-off:Construction & development | 0.6239% | 1,881 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4294% | 1,351 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9071% | 650 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8414% | 2,027 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0409% | 5,767 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2052% | 3,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1815% | 2,255 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| 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 | 0.5927% | 788 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2828% | 329 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5184% | 1,987 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0179% | 7,306 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0063% | 5,784 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| 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 | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,159 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2147% | 3,968 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0016% | 6,869 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| 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 | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,192 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0543% | 6,966 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3352% | 1,637 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2987% | 961 |
| Percentage Net Loans Charged-off:Construction & development | 0.9079% | 478 |
| 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 | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3216% | 2,331 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2885% | 1,204 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0671% | 3,778 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,385 |
| 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 | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7392% | 688 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0807% | 3,053 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| 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 | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,722 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9187% | 574 |
| 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 | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0034% | 6,635 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| 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 | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0712% | 6,920 |
| 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 | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0455% | 4,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0251% | 3,495 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1008% | 1,311 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0244% | 4,581 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6956% | 1,933 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0158% | 4,504 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4468% | 2,550 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0075% | 4,078 |
| 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 | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2122% | 3,075 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0144% | 5,900 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0131% | 7,994 |
| Percentage Net Loans Charged-off:Construction & development | -0.0424% | 7,803 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| 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 | 0.0702% | 3,522 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6225% | 3,023 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1044% | 1,355 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0077% | 5,740 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0175% | 8,018 |
| Percentage Net Loans Charged-off:Construction & development | -0.0580% | 7,808 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 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 | 0.0965% | 2,801 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4875% | 3,169 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1172% | 1,310 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 5,660 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0261% | 8,095 |
| Percentage Net Loans Charged-off:Construction & development | -0.0882% | 7,795 |
| 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 | 0.0000% | 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 | 0.1467% | 2,201 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3746% | 3,366 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.1769% | 1,262 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0231% | 7,387 |
| 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 | 0.0000% | 61 |
| 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 | -0.2244% | 7,782 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1896% | 7,631 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.3171% | 1,224 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0671% | 4,866 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0451% | 2,409 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1579% | 1,156 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3006% | 672 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0974% | 3,616 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6287% | 3,252 |
| 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% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0323% | 5,193 |
| 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 | 0.0000% | 155 |
| 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 | 0.0596% | 3,244 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8716% | 2,197 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0116% | 5,538 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3765% | 3,726 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0262% | 4,273 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8230% | 2,141 |
| 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 | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1704% | 3,740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1569% | 1,363 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| 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 | 0.4961% | 457 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8033% | 247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1227% | 3,985 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7278% | 3,251 |
| 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 | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2007% | 2,982 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2025% | 914 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6421% | 270 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0256% | 164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0074% | 4,135 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8322% | 2,613 |
| 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% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2801% | 2,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3042% | 588 |
| 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 | 0.9642% | 168 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5222% | 92 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0116% | 3,498 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5898% | 3,227 |
| 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% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0216% | 4,860 |
| 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 | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6327% | 2,789 |
| 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% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1166% | 4,845 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7524% | 2,278 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8402% | 2,856 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0529% | 6,079 |
| 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 | 0.0693% | 4,344 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0090% | 2,220 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0037% | 8,703 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0541% | 5,944 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0436% | 6,580 |
| 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 | 0.1574% | 4,419 |
| 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 | 0.1028% | 5,710 |
| 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 | 0.0537% | 6,836 |
| 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 | 0.0387% | 7,383 |
| 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 | -0.0094% | 11,054 |
| 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 | 0.0737% | 9,381 |
| 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 |