Home > The Village Bank > Net charge- offs to loans
The Village Bank, Net charge- offs to loans
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8954% | 681 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8815% | 572 |
| Percentage Net Loans Charged-off:Construction & development | 1.3555% | 728 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2873% | 1,472 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0567% | 151 |
| Percentage Net Loans Charged-off: Home equity loans | 4.6504% | 62 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1686% | 2,384 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0630% | 2,726 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2234% | 6,190 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1610% | 786 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4274% | 6,325 |
| Percentage Net Loans Charged-off: All other loans and lease | 10.2271% | 118 |
| 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 | 0.9984% | 568 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0069% | 461 |
| Percentage Net Loans Charged-off:Construction & development | 1.5172% | 638 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1150% | 1,758 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6968% | 106 |
| Percentage Net Loans Charged-off: Home equity loans | 6.3659% | 47 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0554% | 3,034 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2484% | 5,979 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3681% | 6,316 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 736 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5582% | 6,404 |
| Percentage Net Loans Charged-off: All other loans and lease | 14.3386% | 92 |
| 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 | 0.3398% | 1,823 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4095% | 1,308 |
| Percentage Net Loans Charged-off:Construction & development | 1.6783% | 561 |
| 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 | 0.1135% | 2,464 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2684% | 798 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0155% | 2,306 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8647% | 1,176 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9129% | 353 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3271% | 2,070 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8953% | 677 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1710% | 433 |
| Percentage Net Loans Charged-off:Construction & development | 3.0101% | 320 |
| 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 | 1.8029% | 251 |
| Percentage Net Loans Charged-off: Home equity loans | 4.3416% | 79 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,678 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 554 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.6939% | 216 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.6158% | 90 |
| Percentage Net Loans Charged-off:Construction & development | 8.1188% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8545% | 1,050 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.2758% | 77 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6135% | 156 |
| All other 1-4 family - Percent of loans charged-off, net | 4.8604% | 69 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.8179% | 6,616 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5156% | 889 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8623% | 325 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9249% | 1,367 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4903% | 576 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2696% | 271 |
| Percentage Net Loans Charged-off:Construction & development | 5.1499% | 530 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1033% | 6,761 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7146% | 116 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7931% | 719 |
| All other 1-4 family - Percent of loans charged-off, net | 6.3942% | 47 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.6153% | 6,799 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1789% | 3,285 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4024% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0846% | 3,626 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7556% | 505 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7732% | 215 |
| Percentage Net Loans Charged-off:Construction & development | 7.3107% | 374 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1476% | 6,866 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.2562% | 197 |
| Percentage Net Loans Charged-off: Home equity loans | -0.1566% | 5,142 |
| All other 1-4 family - Percent of loans charged-off, net | 6.5781% | 55 |
| Percentage Net Loans Charged-off: Commercial and industrial | -2.3183% | 6,869 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1703% | 3,093 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2937% | 713 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1200% | 3,137 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5272% | 1,772 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5359% | 584 |
| Percentage Net Loans Charged-off:Construction & development | 1.2080% | 905 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1485% | 6,915 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 6.1851% | 65 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2870% | 5,202 |
| All other 1-4 family - Percent of loans charged-off, net | 12.9516% | 20 |
| Percentage Net Loans Charged-off: Commercial and industrial | -4.2992% | 6,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4805% | 1,858 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1519% | 457 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2219% | 2,282 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5540% | 449 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.1308% | 593 |
| Percentage Net Loans Charged-off:Construction & development | 4.5454% | 1,071 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5354% | 790 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4585% | 2,354 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2068% | 1,616 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6813% | 1,724 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.5506% | 379 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3081% | 3,500 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4007% | 2,854 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7042% | 811 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0358% | 584 |
| Percentage Net Loans Charged-off:Construction & development | 3.5595% | 1,135 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.0437% | 473 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4066% | 2,274 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2732% | 1,337 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5212% | 1,881 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9883% | 1,780 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5648% | 7,079 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.7244% | 7,120 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1017% | 622 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.4377% | 476 |
| Percentage Net Loans Charged-off:Construction & development | 3.7799% | 996 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.0967% | 295 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0612% | 7,113 |
| Percentage Net Loans Charged-off: Home equity loans | -1.0410% | 5,450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7421% | 1,424 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5554% | 1,215 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7615% | 7,164 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.9585% | 7,209 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6621% | 1,885 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4724% | 1,954 |
| Percentage Net Loans Charged-off:Construction & development | 2.1706% | 960 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0936% | 7,131 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.9056% | 7,388 |
| Percentage Net Loans Charged-off: Home equity loans | -2.0528% | 5,479 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9647% | 844 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.4984% | 7,287 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | -1.8075% | 7,326 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.9270% | 56 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.9375% | 55 |
| Percentage Net Loans Charged-off:Construction & development | 13.0651% | 384 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.3249% | 525 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.3086% | 122 |
| Percentage Net Loans Charged-off: Home equity loans | 4.3347% | 196 |
| All other 1-4 family - Percent of loans charged-off, net | 5.9921% | 110 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.1634% | 244 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5779% | 3,170 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9167% | 908 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0388% | 1,808 |
| 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 | 6.7652% | 75 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.7426% | 72 |
| Percentage Net Loans Charged-off:Construction & development | 13.1377% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3948% | 854 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.4283% | 111 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8667% | 321 |
| All other 1-4 family - Percent of loans charged-off, net | 7.1934% | 80 |
| Percentage Net Loans Charged-off: Commercial and industrial | 9.1521% | 237 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0416% | 6,800 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2232% | 776 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0529% | 1,579 |
| 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 | 4.8313% | 223 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.5290% | 229 |
| Percentage Net Loans Charged-off:Construction & development | 8.7903% | 579 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9302% | 1,052 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.1276% | 327 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0561% | 688 |
| All other 1-4 family - Percent of loans charged-off, net | 4.5265% | 199 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.0584% | 317 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1226% | 6,894 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3095% | 714 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0802% | 1,314 |
| 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 | 5.3775% | 217 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1707% | 284 |
| Percentage Net Loans Charged-off:Construction & development | 7.2926% | 595 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9106% | 486 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0737% | 539 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1795% | 358 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0052% | 563 |
| Percentage Net Loans Charged-off: Commercial and industrial | 14.0509% | 166 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.0598% | 7,552 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1642% | 922 |
| 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 | 3.5694% | 537 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1739% | 585 |
| Percentage Net Loans Charged-off:Construction & development | 3.9677% | 1,472 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.7568% | 378 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4937% | 501 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8550% | 940 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4565% | 350 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.0453% | 570 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.5882% | 624 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7632% | 430 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1357% | 1,729 |
| 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 | 4.3616% | 301 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1335% | 296 |
| Percentage Net Loans Charged-off:Construction & development | 5.0265% | 968 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.6327% | 210 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5455% | 265 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1451% | 643 |
| All other 1-4 family - Percent of loans charged-off, net | 4.9311% | 181 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.0879% | 468 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.9209% | 530 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9672% | 391 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1239% | 1,524 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4807% | 2,910 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2618% | 2,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.2217% | 2,373 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1931% | 1,563 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6243% | 1,347 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7180% | 401 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3108% | 1,719 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5320% | 917 |
| Percentage Net Loans Charged-off: Credit card loans | 6.2585% | 311 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6235% | 1,929 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2020% | 2,396 |
| Percentage Net Loans Charged-off:Construction & development | 0.0695% | 1,767 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1113% | 692 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0902% | 212 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2740% | 872 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3013% | 642 |
| Percentage Net Loans Charged-off: Credit card loans | 9.3407% | 169 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6509% | 1,907 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4186% | 1,896 |
| Percentage Net Loans Charged-off:Construction & development | 0.6501% | 1,856 |
| 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 | 0.3410% | 1,610 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5770% | 1,015 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5486% | 1,331 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1071% | 2,039 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6154% | 306 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4045% | 1,110 |
| 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 | 0.3200% | 2,434 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1276% | 2,682 |
| Percentage Net Loans Charged-off:Construction & development | 0.2158% | 1,764 |
| 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 | 0.0000% | 3,509 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0473% | 1,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6138% | 2,856 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8349% | 483 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3417% | 999 |
| 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 | 0.2391% | 2,466 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1246% | 2,166 |
| Percentage Net Loans Charged-off:Construction & development | 0.2047% | 1,300 |
| 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 | 0.5842% | 1,513 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5313% | 2,776 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3895% | 707 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1399% | 545 |
| 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 | 0.2809% | 1,734 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0360% | 2,252 |
| Percentage Net Loans Charged-off:Construction & development | 0.0569% | 1,010 |
| 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 | 1.1345% | 733 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4931% | 2,479 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5420% | 721 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9060% | 510 |
| 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 | 0.0347% | 5,386 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0316% | 3,236 |
| Percentage Net Loans Charged-off:Construction & development | 0.0544% | 1,326 |
| 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 | 0.0256% | 3,750 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1484% | 4,881 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5843% | 1,054 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0267% | 4,875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0448% | 2,165 |
| Percentage Net Loans Charged-off:Construction & development | 0.0795% | 796 |
| 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 | -0.0031% | 6,717 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0594% | 7,394 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2032% | 1,083 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0320% | 4,134 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0714% | 1,444 |
| Percentage Net Loans Charged-off:Construction & development | 0.1307% | 479 |
| 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 | -0.0089% | 6,708 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2680% | 7,785 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0802% | 2,454 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1580% | 668 |
| Percentage Net Loans Charged-off:Construction & development | 0.3072% | 208 |
| 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 | -0.3595% | 7,749 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0470% | 4,466 |
| 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 | 0.0389% | 3,373 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5969% | 2,482 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0033% | 594 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0483% | 3,788 |
| 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 | 0.0544% | 2,690 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4984% | 2,521 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0270% | 539 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0793% | 2,813 |
| 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 | 0.0859% | 2,128 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7884% | 1,605 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0185% | 356 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0245% | 7,290 |
| 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 | -0.0096% | 6,626 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3354% | 7,690 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6689% | 754 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0544% | 4,645 |
| 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 | 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 | 0.0799% | 3,459 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2998% | 4,553 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0612% | 3,911 |
| 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 | 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 | 0.1113% | 2,724 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2060% | 4,561 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,324 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0109% | 5,144 |
| 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 | 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 | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1295% | 4,594 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0092% | 6,975 |
| 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 | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1075% | 7,334 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0656% | 4,905 |
| 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 | 0.0000% | 197 |
| 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 | 0.0404% | 3,976 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5161% | 3,749 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5938% | 1,487 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0606% | 4,448 |
| 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 | 0.0419% | 3,342 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4504% | 3,630 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1093% | 1,205 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0703% | 3,928 |
| 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 | 0.0661% | 2,719 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4558% | 3,378 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2465% | 1,084 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0544% | 3,632 |
| 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 | 0.1362% | 1,741 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0588% | 4,553 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6578% | 646 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1032% | 4,730 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,080 |
| 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 | 0.0000% | 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 | 0.0647% | 4,345 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8112% | 2,950 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1190% | 825 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0370% | 5,677 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,474 |
| 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 | 0.0000% | 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 | 0.0204% | 4,026 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3021% | 4,822 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2502% | 552 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0366% | 5,300 |
| 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 | 0.0413% | 3,350 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2316% | 4,825 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5563% | 673 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0206% | 4,892 |
| 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 | 0.2037% | 4,246 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0573% | 721 |
| 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 | 0.0379% | 6,437 |
| 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 | 0.0547% | 4,529 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1766% | 6,148 |
| 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 | 0.1663% | 4,048 |
| 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 | 0.2882% | 3,308 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3630% | 4,905 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8413% | 1,797 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0806% | 5,034 |
| 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 | 0.0586% | 5,824 |
| 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 | 0.0058% | 7,919 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,512 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,805 |
| 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 |