Home > United Bank > Net charge- offs to loans
United Bank, Net charge- offs to loans
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0901% | 2,260 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0672% | 1,830 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 583 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1290% | 736 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0245% | 2,017 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1312% | 509 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0007% | 5,437 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2879% | 828 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0196% | 2,699 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0196% | 2,571 |
| 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 | 0.1487% | 3,315 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1138% | 3,039 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2003% | 1,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0568% | 3,440 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0440% | 1,334 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0598% | 3,255 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4187% | 1,695 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1646% | 3,334 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1646% | 3,190 |
| 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 | 0.1016% | 3,528 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0440% | 3,528 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0493% | 2,044 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0487% | 3,261 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0501% | 1,179 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0483% | 3,104 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5064% | 1,354 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2257% | 2,783 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2257% | 2,627 |
| 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 | 0.0935% | 3,429 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0352% | 3,379 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0514% | 1,780 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0278% | 3,123 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0014% | 4,594 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0348% | 2,890 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4703% | 1,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4019% | 2,009 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4019% | 1,884 |
| 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 | 0.0749% | 3,098 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0083% | 2,977 |
| 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 | 0.0179% | 2,466 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0221% | 2,294 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5473% | 906 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1117% | 5,681 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1117% | 5,632 |
| 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 | 0.1686% | 4,028 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1330% | 3,742 |
| Percentage Net Loans Charged-off:Construction & development | 0.2604% | 2,020 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2014% | 2,280 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0837% | 3,823 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1659% | 1,471 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0621% | 3,812 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3901% | 2,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3915% | 2,699 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3915% | 2,538 |
| 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 | 0.1183% | 4,196 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1026% | 3,772 |
| Percentage Net Loans Charged-off:Construction & development | 0.4123% | 1,739 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1559% | 2,196 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0515% | 3,771 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0475% | 1,495 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0526% | 3,588 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2314% | 2,406 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0677% | 3,888 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0677% | 3,707 |
| 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% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1365% | 3,838 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1057% | 3,512 |
| Percentage Net Loans Charged-off:Construction & development | 0.6270% | 1,450 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1510% | 1,911 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0451% | 3,484 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0543% | 1,278 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0427% | 3,328 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3629% | 1,929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0612% | 3,572 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0612% | 3,386 |
| 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% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1613% | 3,124 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1450% | 2,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.7611% | 1,039 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2105% | 1,286 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0675% | 2,693 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0854% | 2,446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2866% | 1,498 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0918% | 2,825 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0918% | 2,649 |
| 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% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1896% | 4,627 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0807% | 4,759 |
| Percentage Net Loans Charged-off:Construction & development | 0.4222% | 2,483 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1544% | 2,895 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0047% | 4,866 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0060% | 4,683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0498% | 1,933 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0053% | 4,945 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0049% | 4,803 |
| 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 | 0.1788% | 4,374 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0791% | 4,447 |
| Percentage Net Loans Charged-off:Construction & development | 0.0694% | 2,557 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1866% | 2,389 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0155% | 4,383 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0012% | 1,689 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0194% | 4,172 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9814% | 1,787 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0291% | 6,256 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 902 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0259% | 6,185 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1514% | 4,279 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1092% | 3,872 |
| Percentage Net Loans Charged-off:Construction & development | 0.1046% | 2,198 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2799% | 1,874 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0040% | 4,012 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0018% | 1,445 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0045% | 3,807 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5065% | 2,165 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0212% | 6,107 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0181% | 6,045 |
| 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 | 0.1199% | 3,815 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0591% | 3,483 |
| Percentage Net Loans Charged-off:Construction & development | 0.2121% | 1,536 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1303% | 1,602 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6231% | 1,531 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0617% | 6,046 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0490% | 5,986 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1344% | 5,570 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0788% | 5,028 |
| Percentage Net Loans Charged-off:Construction & development | 0.3770% | 2,945 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1263% | 3,090 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0227% | 4,822 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0282% | 4,597 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5993% | 3,153 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0793% | 5,060 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1407% | 5,173 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0921% | 4,581 |
| Percentage Net Loans Charged-off:Construction & development | 0.4905% | 2,572 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1401% | 2,627 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0264% | 4,412 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0325% | 4,162 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5551% | 2,826 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0856% | 4,751 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1157% | 5,020 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1016% | 4,141 |
| Percentage Net Loans Charged-off:Construction & development | 0.3885% | 2,336 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1638% | 2,095 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0392% | 3,815 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0479% | 3,566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2358% | 3,130 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1149% | 4,239 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1088% | 4,337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0928% | 3,418 |
| Percentage Net Loans Charged-off:Construction & development | 0.6066% | 1,641 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1055% | 1,615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0362% | 2,934 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0439% | 2,742 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2249% | 2,365 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1999% | 3,357 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2240% | 5,225 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1943% | 4,154 |
| Percentage Net Loans Charged-off:Construction & development | 0.1225% | 3,319 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6178% | 1,574 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0135% | 4,814 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0157% | 4,581 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5812% | 3,591 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0454% | 5,838 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1175% | 5,519 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1005% | 4,314 |
| Percentage Net Loans Charged-off:Construction & development | 0.1783% | 2,845 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3199% | 1,646 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0054% | 4,409 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0062% | 4,158 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3357% | 3,509 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0198% | 5,591 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1161% | 4,997 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1046% | 3,741 |
| Percentage Net Loans Charged-off:Construction & development | 0.2336% | 2,359 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3454% | 1,257 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,865 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2717% | 3,120 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0292% | 5,116 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0290% | 5,117 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0287% | 3,470 |
| Percentage Net Loans Charged-off:Construction & development | 0.4719% | 1,492 |
| 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 | 0.0000% | 2,745 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0110% | 2,787 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0860% | 4,076 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1539% | 4,659 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0254% | 4,765 |
| Percentage Net Loans Charged-off:Construction & development | 0.0764% | 2,658 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0632% | 1,927 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0075% | 4,104 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0091% | 3,834 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5148% | 1,355 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0397% | 5,771 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1273% | 4,053 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0342% | 3,796 |
| Percentage Net Loans Charged-off:Construction & development | 0.0981% | 1,969 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0871% | 1,285 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0100% | 3,362 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0125% | 3,104 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1034% | 1,232 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0566% | 5,227 |
| 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% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0921% | 3,944 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0231% | 3,327 |
| Percentage Net Loans Charged-off:Construction & development | 0.1451% | 1,382 |
| 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 | 0.0171% | 2,660 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0224% | 2,393 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8187% | 1,216 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0389% | 4,800 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1214% | 2,775 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0469% | 2,149 |
| Percentage Net Loans Charged-off:Construction & development | 0.2850% | 757 |
| 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 | 0.0347% | 1,717 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0453% | 1,514 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9325% | 836 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1163% | 3,697 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0006% | 7,756 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0008% | 7,653 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0011% | 7,657 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4050% | 884 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0684% | 5,343 |
| 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 | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1088% | 3,047 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0008% | 7,437 |
| 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 | -0.0011% | 7,559 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0015% | 7,556 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3207% | 746 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0960% | 4,709 |
| 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 | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0260% | 4,315 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,400 |
| 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 | -0.0017% | 7,578 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0023% | 7,594 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3297% | 1,536 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0331% | 4,563 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0397% | 3,179 |
| 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 | 0.5078% | 889 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0267% | 3,763 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0190% | 5,376 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0018% | 3,359 |
| 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 | 0.0026% | 2,874 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0034% | 2,643 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2071% | 2,429 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0139% | 5,681 |
| 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 | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0253% | 4,541 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0025% | 2,805 |
| 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 | 0.0036% | 2,379 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0047% | 2,177 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2878% | 1,724 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0094% | 7,145 |
| 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 | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0058% | 5,006 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0035% | 2,337 |
| 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 | 0.0050% | 1,953 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0065% | 1,802 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0404% | 2,384 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0144% | 6,982 |
| 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 | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0224% | 7,246 |
| 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 | -0.2570% | 7,739 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0297% | 6,785 |
| 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 | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0476% | 4,814 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0161% | 2,839 |
| Percentage Net Loans Charged-off:Construction & development | 0.1743% | 311 |
| 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 | 0.0069% | 2,875 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0343% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3837% | 2,183 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0281% | 6,095 |
| 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 | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0237% | 5,080 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0064% | 2,802 |
| 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 | 0.0093% | 2,426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0470% | 429 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2047% | 2,319 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0198% | 5,671 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0296% | 4,455 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 2,274 |
| 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 | 0.0143% | 1,940 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0726% | 319 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2532% | 1,848 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0208% | 7,275 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0565% | 7,889 |
| 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 | -0.6409% | 8,116 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0211% | 7,041 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0589% | 5,060 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0372% | 8,433 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1600% | 8,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0003% | 7,828 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0004% | 7,847 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0614% | 1,293 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1118% | 5,964 |
| 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 | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0088% | 7,793 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0074% | 7,987 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0309% | 8,396 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0004% | 7,816 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 7,839 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1014% | 7,594 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1471% | 5,282 |
| 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 | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0097% | 7,581 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 7,669 |
| 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 | -0.0006% | 7,885 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0008% | 7,922 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1634% | 7,750 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0755% | 5,298 |
| 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 | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0079% | 7,142 |
| 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 | -0.1279% | 7,651 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0370% | 4,629 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0252% | 6,523 |
| 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 | 0.3022% | 3,237 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0475% | 6,740 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| 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 | 0.0102% | 6,534 |
| 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 | 0.0952% | 3,592 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0565% | 6,289 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| 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 | 0.0138% | 5,969 |
| 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 | 0.1458% | 2,881 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0521% | 5,842 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| 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 | 0.0000% | 5,539 |
| 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 | 0.0000% | 4,985 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| 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 | 0.0374% | 6,449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0131% | 3,560 |
| Percentage Net Loans Charged-off:Construction & development | 0.2133% | 496 |
| 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 | 0.0035% | 3,336 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0465% | 506 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2861% | 3,465 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1034% | 6,578 |
| 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 | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0974% | 5,157 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0460% | 2,448 |
| 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 | 1.2481% | 71 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0429% | 2,223 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1179% | 390 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0394% | 2,186 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7356% | 2,190 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1188% | 6,524 |
| 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 | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 1.7921% | 43 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0302% | 6,392 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0051% | 872 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0074% | 790 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1202% | 196 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0026% | 806 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2132% | 683 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1284% | 1,211 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| 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 | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0016% | 7,865 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0069% | 1,310 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0024% | 1,181 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0093% | 1,384 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0097% | 1,382 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0828% | 1,337 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1512% | 1,209 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| 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 | 0.0267% | 7,098 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0151% | 1,306 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0426% | 1,247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0054% | 1,294 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0447% | 317 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0080% | 1,307 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3630% | 445 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0896% | 1,233 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 973 |
| 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 | 0.0923% | 5,662 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1035% | 330 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1342% | 243 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2486% | 33 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0676% | 450 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3009% | 123 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0534% | 475 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0087% | 1,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0801% | 1,258 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 985 |
| 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 | 0.4953% | 1,786 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6103% | 69 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0725% | 390 |
| Percentage Net Loans Charged-off: Multi-family residential | 12.3060% | 5 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4111% | 94 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4552% | 83 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4078% | 87 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1581% | 1,288 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0396% | 1,492 |
| Percentage Net Loans Charged-off: Credit card loans | -18.3486% | 1,371 |
| 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 | 0.2813% | 3,003 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3254% | 223 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0518% | 519 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.3321% | 63 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3410% | 126 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1269% | 202 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3636% | 124 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0719% | 1,148 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0547% | 1,507 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,020 |
| 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 | 0.4312% | 2,109 |
| 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 | 0.5521% | 2,513 |
| 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 | 1.9320% | 800 |
| 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 |