Home > Valley Bank > Net charge- offs to loans
Valley Bank, Net charge- offs to loans
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9259% | 221 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0154% | 107 |
| Percentage Net Loans Charged-off:Construction & development | 7.9297% | 38 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5465% | 319 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 188 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0180% | 5,422 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 710 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0211% | 5,480 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4429% | 796 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3085% | 5,716 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3109% | 1,143 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3073% | 5,670 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,136 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0096% | 4,706 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0075% | 4,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 369 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 126 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0214% | 5,452 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0253% | 5,541 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0186% | 4,496 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1028% | 5,209 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 478 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1539% | 5,296 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3324% | 1,327 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3793% | 802 |
| Percentage Net Loans Charged-off:Construction & development | 4.1504% | 127 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,194 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 420 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0379% | 5,925 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0452% | 5,949 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0603% | 2,389 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3937% | 2,107 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4758% | 668 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3598% | 2,081 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,537 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4497% | 875 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5185% | 557 |
| Percentage Net Loans Charged-off:Construction & development | 5.7110% | 95 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,863 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 357 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0331% | 5,925 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,025 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0396% | 5,955 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0826% | 1,931 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0909% | 3,182 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1060% | 718 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0849% | 3,062 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6935% | 554 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8014% | 326 |
| Percentage Net Loans Charged-off:Construction & development | 8.8480% | 60 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0062% | 5,597 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 855 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0074% | 5,609 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1404% | 1,511 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0974% | 2,898 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1593% | 638 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0702% | 2,886 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8355% | 414 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9428% | 269 |
| Percentage Net Loans Charged-off:Construction & development | 10.3818% | 51 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0432% | 1,889 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0521% | 1,731 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2996% | 819 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0971% | 2,498 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 507 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1382% | 2,240 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0714% | 4,209 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0166% | 4,236 |
| Percentage Net Loans Charged-off:Construction & development | -0.0869% | 5,564 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,684 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0775% | 3,204 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5084% | 665 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0257% | 6,196 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2790% | 1,991 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4823% | 720 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1308% | 217 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8473% | 1,247 |
| 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 | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0881% | 3,690 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0168% | 3,951 |
| Percentage Net Loans Charged-off:Construction & development | -0.1168% | 5,663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,354 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0874% | 2,885 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4745% | 661 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 6,018 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3753% | 1,574 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4121% | 710 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2036% | 216 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7348% | 1,285 |
| 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 | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0348% | 4,196 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0254% | 3,502 |
| Percentage Net Loans Charged-off:Construction & development | -0.1744% | 5,772 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1340% | 2,333 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7107% | 502 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0126% | 6,056 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0149% | 2,310 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4223% | 719 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2553% | 211 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7520% | 1,201 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0110% | 5,478 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0323% | 6,248 |
| Percentage Net Loans Charged-off:Construction & development | -0.3459% | 5,958 |
| 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 | 0.0000% | 2,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 767 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,407 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0257% | 1,616 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4270% | 725 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1480% | 122 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3770% | 2,749 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4267% | 2,193 |
| Percentage Net Loans Charged-off:Construction & development | 2.8738% | 873 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,215 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5289% | 1,695 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,753 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6844% | 1,311 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1709% | 2,863 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3114% | 6,553 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0832% | 886 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4708% | 6,624 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2671% | 3,118 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2991% | 2,598 |
| Percentage Net Loans Charged-off:Construction & development | 1.6501% | 1,122 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4861% | 1,773 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6351% | 1,365 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1444% | 2,678 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.3816% | 6,632 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1108% | 806 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.5792% | 6,700 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2342% | 3,168 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2457% | 2,694 |
| Percentage Net Loans Charged-off:Construction & development | 0.7281% | 1,395 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6060% | 1,430 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7980% | 1,104 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2199% | 2,189 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6235% | 6,754 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.8788% | 6,815 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2843% | 2,532 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3394% | 2,023 |
| 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 | 1.1501% | 753 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5246% | 547 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0953% | 1,786 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.2535% | 6,952 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 576 |
| Percentage Net Loans Charged-off: Other loans to individual | -1.7802% | 6,970 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3011% | 3,896 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3439% | 3,198 |
| Percentage Net Loans Charged-off:Construction & development | 2.5566% | 1,533 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0058% | 3,586 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2726% | 841 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1387% | 3,801 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1409% | 1,717 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1379% | 3,669 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0622% | 3,934 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0238% | 1,631 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7357% | 307 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 4,804 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3574% | 3,303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4229% | 2,655 |
| Percentage Net Loans Charged-off:Construction & development | 2.9164% | 1,288 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0078% | 3,103 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3501% | 674 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1843% | 3,226 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1876% | 1,434 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1832% | 3,083 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0029% | 5,879 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3530% | 1,158 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8359% | 222 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0747% | 4,071 |
| 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 | 0.3612% | 3,111 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4233% | 2,503 |
| Percentage Net Loans Charged-off:Construction & development | 2.6025% | 1,226 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0058% | 6,786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.5228% | 512 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2730% | 2,578 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2823% | 1,157 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2700% | 2,445 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0044% | 5,836 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6868% | 900 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7947% | 191 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.1616% | 3,262 |
| 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 | 0.0497% | 4,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0344% | 3,655 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0082% | 6,844 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1359% | 2,512 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5647% | 696 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0044% | 5,730 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5957% | 560 |
| Percentage Net Loans Charged-off: Credit card loans | 10.6622% | 99 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1977% | 6,534 |
| 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 | 0.4982% | 3,636 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5094% | 2,963 |
| Percentage Net Loans Charged-off:Construction & development | 1.5509% | 2,249 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0321% | 3,475 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2599% | 639 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7509% | 1,741 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7141% | 1,075 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7621% | 1,698 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4235% | 3,476 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7893% | 2,588 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2218% | 847 |
| 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 | 0.4958% | 3,293 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4854% | 2,742 |
| Percentage Net Loans Charged-off:Construction & development | 0.6530% | 2,466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0706% | 2,876 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5209% | 501 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9980% | 1,253 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9491% | 823 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0128% | 1,225 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5752% | 2,801 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0850% | 4,754 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0372% | 810 |
| 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 | 0.6027% | 2,723 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5605% | 2,334 |
| Percentage Net Loans Charged-off:Construction & development | 0.9569% | 2,016 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0440% | 2,469 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.1485% | 351 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0283% | 1,159 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4214% | 560 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9113% | 1,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8484% | 2,164 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2139% | 3,833 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5800% | 670 |
| 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 | 0.4077% | 2,821 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4524% | 2,145 |
| Percentage Net Loans Charged-off:Construction & development | 1.8131% | 1,252 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0188% | 1,822 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5256% | 1,521 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6794% | 1,247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2037% | 2,402 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2647% | 7,042 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 1.4336% | 1,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1869% | 1,688 |
| Percentage Net Loans Charged-off:Construction & development | 4.0124% | 1,462 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3522% | 2,043 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0308% | 1,276 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7785% | 998 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0986% | 1,158 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5649% | 1,527 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6216% | 1,713 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3215% | 1,146 |
| 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 | 0.9717% | 2,031 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5115% | 2,410 |
| Percentage Net Loans Charged-off:Construction & development | 2.0744% | 1,699 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1223% | 2,221 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2555% | 2,565 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1805% | 1,377 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2752% | 2,347 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0237% | 1,055 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0581% | 2,343 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4385% | 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% | 1,898 |
| 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 | 1.3527% | 1,380 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6409% | 1,845 |
| Percentage Net Loans Charged-off:Construction & development | 2.6237% | 1,279 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1180% | 1,774 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3320% | 1,981 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2772% | 1,020 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3461% | 1,814 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4738% | 640 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6270% | 1,478 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6891% | 918 |
| 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 | 1.0404% | 1,299 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,748 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| 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 | 5.6092% | 388 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1513% | 3,855 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| 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 | 0.1207% | 5,039 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1175% | 3,507 |
| Percentage Net Loans Charged-off:Construction & development | 0.0452% | 2,723 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1360% | 1,607 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1533% | 2,448 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1889% | 2,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1178% | 3,918 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3804% | 4,191 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1088% | 1,191 |
| 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 | 0.1653% | 3,641 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1594% | 2,395 |
| Percentage Net Loans Charged-off:Construction & development | 0.0583% | 2,063 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1883% | 981 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2077% | 1,682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2558% | 1,375 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1728% | 2,946 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4528% | 3,401 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,100 |
| 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 | 0.2196% | 2,601 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2041% | 1,714 |
| Percentage Net Loans Charged-off:Construction & development | 0.0862% | 1,497 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2868% | 621 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1925% | 1,469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2365% | 1,221 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2590% | 2,147 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6606% | 2,422 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 966 |
| 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 | 0.2549% | 1,849 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2843% | 1,013 |
| Percentage Net Loans Charged-off:Construction & development | 0.1740% | 870 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4052% | 331 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2207% | 1,006 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2709% | 824 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1444% | 1,745 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,977 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 761 |
| 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 | 0.4241% | 1,330 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1769% | 1,491 |
| Percentage Net Loans Charged-off:Construction & development | 0.0603% | 1,307 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3657% | 577 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0130% | 3,074 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0708% | 778 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5103% | 831 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2157% | 4,483 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5006% | 490 |
| 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 | 0.4521% | 883 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2124% | 851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4848% | 291 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5137% | 671 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0709% | 4,860 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,103 |
| 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 | 0.1796% | 1,858 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9599% | 823 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1054% | 7,356 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,509 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,795 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2841% | 1,422 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,458 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3036% | 781 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1146% | 5,005 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7718% | 1,001 |
| 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 | -0.0006% | 7,091 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0342% | 7,251 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,137 |
| 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 | -0.0009% | 6,817 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0041% | 6,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,727 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,005 |
| 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 | 0.0019% | 4,346 |
| 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 | 0.0082% | 1,716 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,843 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| 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 | 0.0475% | 4,817 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1929% | 2,820 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0640% | 5,884 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0684% | 3,753 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2812% | 2,049 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0503% | 5,521 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,324 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0020% | 5,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0733% | 4,895 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,186 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 4,728 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0835% | 4,508 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3094% | 2,690 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2779% | 4,984 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1541% | 2,510 |
| 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 | 0.0661% | 4,325 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2366% | 2,466 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2945% | 4,410 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2123% | 1,486 |
| 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 | 0.0128% | 5,489 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,054 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4042% | 3,603 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3143% | 1,324 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| 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 | 0.0018% | 5,071 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,138 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0546% | 4,574 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,093 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 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 | 0.2033% | 3,353 |
| 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 | 0.6068% | 2,371 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8437% | 984 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1780% | 1,825 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0865% | 4,582 |
| 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 | 0.0000% | 4,156 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4554% | 559 |
| 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 | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0103% | 6,107 |
| 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 | 0.0000% | 3,532 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2956% | 4,463 |
| 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 | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0210% | 4,882 |
| 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 | 0.6047% | 2,866 |
| 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 | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0384% | 6,427 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,443 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1466% | 4,010 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1118% | 6,527 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6019% | 1,815 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0177% | 7,072 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,994 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,307 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,123 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0213% | 4,663 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3405% | 5,032 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1962% | 833 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0010% | 7,603 |
| 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 | 0.0171% | 7,190 |
| 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 | 0.0000% | 8,132 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,512 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,805 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 8,856 |
| 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 |