Home > Valley Bank > Net charge- offs to loans
Valley Bank, Net charge- offs to loans
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5273% | 209 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2743% | 975 |
| Percentage Net Loans Charged-off:Construction & development | 0.0115% | 574 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0655% | 6,151 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0153% | 293 |
| Percentage Net Loans Charged-off: Home equity loans | 4.7582% | 36 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8072% | 395 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.9367% | 131 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8653% | 1,011 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8653% | 913 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2706% | 537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.2739% | 140 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0520% | 442 |
| Percentage Net Loans Charged-off:Construction & development | 1.9995% | 577 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0521% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2319% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6338% | 876 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,420 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6663% | 824 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.8232% | 162 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5434% | 1,974 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5434% | 1,848 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6004% | 597 |
| 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 | 1.4268% | 342 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6943% | 741 |
| Percentage Net Loans Charged-off:Construction & development | 1.5416% | 630 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4417% | 1,038 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5551% | 973 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5832% | 898 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.5525% | 311 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5651% | 1,717 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5651% | 1,603 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6638% | 544 |
| 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 | 1.9537% | 233 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0244% | 521 |
| Percentage Net Loans Charged-off:Construction & development | 2.4058% | 473 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9473% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4617% | 1,166 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,077 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4850% | 1,083 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.7170% | 230 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7871% | 1,280 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7871% | 1,158 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4951% | 559 |
| 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 | 0.5659% | 1,074 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1205% | 2,145 |
| 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 | 0.4833% | 1,027 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5100% | 945 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8597% | 453 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 2,801 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9406% | 357 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7094% | 1,663 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3522% | 2,484 |
| Percentage Net Loans Charged-off:Construction & development | 0.0979% | 2,199 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9120% | 984 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3614% | 2,257 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3825% | 2,080 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0254% | 837 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0274% | 5,981 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0274% | 5,915 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1698% | 1,094 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7563% | 1,460 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2479% | 2,817 |
| Percentage Net Loans Charged-off:Construction & development | 0.1281% | 1,988 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4670% | 1,442 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3369% | 2,222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3568% | 2,038 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6662% | 592 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,181 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,003 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0443% | 1,274 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6200% | 1,773 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3085% | 2,412 |
| Percentage Net Loans Charged-off:Construction & development | 0.1916% | 1,730 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7035% | 1,031 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2806% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2965% | 2,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8248% | 848 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,766 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,588 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1882% | 867 |
| 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 | -0.2746% | 7,044 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0192% | 6,571 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0622% | 6,782 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0658% | 6,780 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.2805% | 6,828 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,014 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0594% | 836 |
| 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 | 6.7958% | 33 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.6044% | 194 |
| Percentage Net Loans Charged-off:Construction & development | 3.2605% | 1,331 |
| Percentage Net Loans Charged-off: Commercial real estate | 7.5726% | 43 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.9143% | 285 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0813% | 1,157 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7279% | 1,035 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1047% | 1,120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 19.7650% | 36 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7812% | 903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7012% | 818 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3102% | 988 |
| 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 | 1.4942% | 973 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6037% | 847 |
| Percentage Net Loans Charged-off:Construction & development | 0.8640% | 1,980 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.8972% | 271 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.7643% | 226 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4690% | 2,100 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3084% | 1,295 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4802% | 1,991 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1620% | 1,612 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9441% | 784 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8361% | 690 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3140% | 886 |
| 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 | 2.0469% | 648 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3162% | 510 |
| Percentage Net Loans Charged-off:Construction & development | 1.2783% | 1,579 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.2359% | 174 |
| Percentage Net Loans Charged-off: Multi-family residential | 7.1537% | 157 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4674% | 1,997 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0698% | 5,311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5071% | 1,812 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1631% | 1,450 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2938% | 434 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 3.0504% | 384 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1313% | 1,028 |
| 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 | 3.4110% | 294 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.4312% | 176 |
| Percentage Net Loans Charged-off:Construction & development | 2.4878% | 906 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.5000% | 68 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.2573% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4961% | 1,565 |
| Percentage Net Loans Charged-off: Home equity loans | -0.2072% | 5,395 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5467% | 1,381 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1445% | 6,522 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.1507% | 258 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 4.6056% | 220 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1681% | 736 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2272% | 1,829 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2293% | 1,580 |
| Percentage Net Loans Charged-off:Construction & development | 1.5182% | 2,263 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1513% | 1,133 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6001% | 867 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4657% | 1,279 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6876% | 829 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3035% | 2,208 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0536% | 5,187 |
| 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 | 0.6778% | 957 |
| 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 | 0.8393% | 2,357 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6458% | 2,361 |
| Percentage Net Loans Charged-off:Construction & development | 0.0699% | 2,984 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6702% | 1,501 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6826% | 729 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6079% | 1,020 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7684% | 705 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6013% | 1,731 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0362% | 6,774 |
| 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 | 0.9314% | 764 |
| 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 | 0.6289% | 2,656 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5085% | 2,453 |
| Percentage Net Loans Charged-off:Construction & development | 0.1063% | 2,572 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2653% | 1,888 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5187% | 800 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9009% | 752 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5692% | 783 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0724% | 1,950 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,626 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3952% | 554 |
| 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 | 0.8274% | 1,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6493% | 1,807 |
| Percentage Net Loans Charged-off:Construction & development | 0.2140% | 1,843 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0323% | 1,786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1546% | 520 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3334% | 478 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4939% | 1,274 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4168% | 2,812 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3376% | 484 |
| 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 | 0.8144% | 2,792 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6123% | 2,618 |
| Percentage Net Loans Charged-off:Construction & development | 1.0888% | 2,519 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0654% | 3,047 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6745% | 636 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6359% | 1,810 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6849% | 1,638 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3960% | 2,416 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.8991% | 552 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.7743% | 594 |
| 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 | 0.7860% | 2,396 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5357% | 2,359 |
| Percentage Net Loans Charged-off:Construction & development | 1.0282% | 2,147 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0841% | 2,383 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0030% | 704 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6985% | 1,424 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7522% | 1,278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5715% | 1,835 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.2021% | 473 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.8522% | 488 |
| 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 | 0.8880% | 1,921 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6020% | 1,910 |
| Percentage Net Loans Charged-off:Construction & development | 1.2444% | 1,691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1027% | 1,827 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.3601% | 6,162 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8176% | 1,133 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8801% | 1,021 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1075% | 1,261 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1323% | 1,116 |
| 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 | 1.3076% | 674 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5094% | 958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9874% | 1,027 |
| Percentage Net Loans Charged-off:Construction & development | 2.1471% | 922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0518% | 1,233 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.1047% | 696 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1947% | 624 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8358% | 587 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3603% | 626 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6701% | 487 |
| 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 | 1.4130% | 832 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2733% | 733 |
| Percentage Net Loans Charged-off:Construction & development | 1.5936% | 1,241 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8484% | 596 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5617% | 346 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7986% | 306 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2236% | 997 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9354% | 280 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7539% | 1,206 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.5258% | 237 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3838% | 491 |
| 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 | 1.5746% | 497 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5070% | 390 |
| Percentage Net Loans Charged-off:Construction & development | 1.9214% | 739 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9184% | 356 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7612% | 203 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1750% | 175 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3102% | 694 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3377% | 162 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5245% | 969 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.0965% | 134 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.5726% | 373 |
| 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 | 1.6470% | 374 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5680% | 295 |
| Percentage Net Loans Charged-off:Construction & development | 1.4608% | 617 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1919% | 232 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1514% | 82 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1599% | 167 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5070% | 448 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3017% | 152 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6616% | 724 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.1109% | 87 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8186% | 431 |
| 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 | 0.7504% | 696 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9305% | 377 |
| Percentage Net Loans Charged-off:Construction & development | 0.3710% | 703 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7764% | 112 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9944% | 329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0881% | 272 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0052% | 6,718 |
| 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 | 0.6612% | 562 |
| 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 | 0.1532% | 3,145 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2032% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0318% | 1,419 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0742% | 1,175 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9046% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4942% | 532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5305% | 300 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4906% | 536 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1928% | 7,681 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4079% | 3,483 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2176% | 576 |
| 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 | 0.1250% | 2,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1954% | 925 |
| Percentage Net Loans Charged-off:Construction & development | 0.0150% | 1,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2967% | 73 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4889% | 402 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5381% | 359 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2784% | 7,715 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,220 |
| 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 | 0.7381% | 636 |
| 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 | 0.1012% | 2,733 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1903% | 777 |
| Percentage Net Loans Charged-off:Construction & development | 0.0254% | 698 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8809% | 63 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6108% | 292 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6713% | 267 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4002% | 7,823 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,675 |
| 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 | 0.5459% | 680 |
| 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 | 0.1414% | 1,789 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1750% | 624 |
| 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 | 1.7277% | 29 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2197% | 594 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2437% | 527 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0068% | 6,671 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| 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 | -0.1893% | 7,190 |
| 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 | 0.0441% | 4,561 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 3,003 |
| Percentage Net Loans Charged-off:Construction & development | 0.0299% | 674 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.2967% | 6,278 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1232% | 1,227 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1390% | 1,094 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1210% | 2,820 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5657% | 2,600 |
| 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 | 0.8445% | 624 |
| 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 | 0.0251% | 4,554 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0128% | 7,904 |
| Percentage Net Loans Charged-off:Construction & development | 0.0401% | 473 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.6177% | 6,275 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1066% | 1,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1207% | 1,007 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1177% | 2,317 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8173% | 1,649 |
| 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 | 0.8508% | 553 |
| 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 | -0.0078% | 7,169 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0478% | 8,231 |
| 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 | -0.9703% | 6,250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1481% | 831 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1696% | 727 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1296% | 1,934 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2904% | 3,207 |
| 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 | 0.6936% | 552 |
| 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 | -0.1044% | 8,126 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1365% | 8,469 |
| 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 | -1.9720% | 6,198 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0800% | 843 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0925% | 754 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0076% | 6,608 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5835% | 1,953 |
| 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 | 0.4959% | 547 |
| 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 | 0.1879% | 2,435 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1429% | 967 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0033% | 1,311 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1624% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1141% | 1,313 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1290% | 1,194 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3308% | 2,324 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7180% | 2,653 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.2298% | 523 |
| 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 | 0.2027% | 1,942 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1939% | 640 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0044% | 1,002 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.2637% | 32 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1441% | 961 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1621% | 893 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1386% | 2,563 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9385% | 1,734 |
| 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 | 0.9494% | 544 |
| 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 | 0.1446% | 2,331 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1089% | 977 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0069% | 762 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.9608% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1149% | 1,027 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1297% | 936 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2350% | 1,901 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7951% | 1,973 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0155% | 440 |
| 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 | 0.1502% | 1,953 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1422% | 667 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0094% | 482 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.2524% | 14 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2426% | 527 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2763% | 485 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1128% | 1,630 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0120% | 371 |
| 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 | 0.1606% | 3,234 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0503% | 2,308 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1001% | 998 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0440% | 2,272 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0498% | 2,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5832% | 1,960 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0851% | 6,114 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7403% | 392 |
| 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 | 0.1919% | 2,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0670% | 1,690 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1332% | 695 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0499% | 1,862 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0561% | 1,712 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7147% | 1,419 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1118% | 5,524 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.4009% | 408 |
| 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 | 0.2301% | 1,975 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1053% | 1,215 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2031% | 486 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0810% | 1,362 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0903% | 1,235 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7611% | 1,269 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2482% | 4,353 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1279% | 431 |
| 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 | 0.2591% | 1,626 |
| 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 | 1.4270% | 658 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1675% | 7,786 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.3484% | 335 |
| 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 | 0.1797% | 3,612 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0215% | 3,245 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0096% | 1,521 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0817% | 1,932 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0857% | 1,862 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5892% | 2,413 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7486% | 3,176 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3698% | 387 |
| 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 | 0.1572% | 3,451 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0634% | 8,733 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1569% | 8,762 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0311% | 2,237 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0322% | 2,137 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7735% | 1,697 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0414% | 2,069 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.4513% | 349 |
| 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 | 0.1036% | 3,915 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1003% | 8,862 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2500% | 8,820 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0445% | 1,726 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0457% | 1,665 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6173% | 1,767 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8188% | 2,504 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.7765% | 304 |
| 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 | -0.1674% | 8,829 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2344% | 9,022 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.5199% | 8,908 |
| 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 | -0.2269% | 8,112 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6331% | 2,787 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.7130% | 269 |
| 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 | 0.6469% | 1,254 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0736% | 2,160 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1901% | 869 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0574% | 8,855 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0582% | 8,851 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2302% | 952 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.8341% | 198 |
| 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 | 1.7569% | 467 |
| 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 | -0.0239% | 8,999 |
| 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 | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 7,235 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1075% | 8,025 |
| 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 | 0.0807% | 5,029 |
| 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 | 0.0809% | 5,249 |
| 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 | 0.6246% | 1,111 |
| 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 | 0.1528% | 4,487 |
| 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 | 0.0966% | 5,841 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1631% | 4,445 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1309% | 5,110 |
| 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 | -0.2309% | 12,622 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0302% | 12,542 |
| 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 |