Home > WesBanco Bank, Inc. > Net charge- offs to loans
WesBanco Bank, Inc., Net charge- offs to loans
| 2023-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0416% | 1,488 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0156% | 685 |
| Percentage Net Loans Charged-off:Construction & development | -0.0058% | 4,242 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0321% | 383 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 66 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0041% | 683 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0857% | 100 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0206% | 4,169 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0830% | 1,225 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9055% | 753 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 531 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9055% | 651 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2023-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0337% | 1,412 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0178% | 537 |
| Percentage Net Loans Charged-off:Construction & development | 0.0017% | 164 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0324% | 300 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 48 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0074% | 509 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0872% | 91 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0170% | 4,119 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0564% | 1,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5971% | 933 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 458 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5971% | 879 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 69 |
| 2023-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0458% | 1,049 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0197% | 396 |
| Percentage Net Loans Charged-off:Construction & development | 0.0162% | 88 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0495% | 209 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 29 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0176% | 4,134 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0367% | 106 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0345% | 4,304 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1224% | 755 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7344% | 754 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 451 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7344% | 731 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 63 |
| 2023-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0710% | 723 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0613% | 177 |
| Percentage Net Loans Charged-off:Construction & development | 0.0505% | 33 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1063% | 109 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 18 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0144% | 260 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0973% | 49 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0121% | 4,145 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0619% | 614 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6130% | 851 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 346 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6130% | 778 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2022-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0160% | 1,793 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0025% | 920 |
| Percentage Net Loans Charged-off:Construction & development | 0.0040% | 157 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0031% | 466 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 64 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0014% | 772 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0023% | 4,264 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0026% | 690 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0497% | 1,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3603% | 1,257 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 495 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3603% | 1,185 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2022-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0151% | 1,565 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0002% | 826 |
| Percentage Net Loans Charged-off:Construction & development | 0.0058% | 119 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0006% | 3,927 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 47 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0009% | 3,383 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0127% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0054% | 3,717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0701% | 749 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2932% | 1,283 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 459 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2932% | 1,220 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2022-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0006% | 2,139 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0059% | 3,571 |
| Percentage Net Loans Charged-off:Construction & development | 0.0092% | 83 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0164% | 4,198 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 33 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0030% | 505 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0212% | 103 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 3,508 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0269% | 778 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0969% | 1,786 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0969% | 1,710 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2022-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0011% | 1,799 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0079% | 3,807 |
| Percentage Net Loans Charged-off:Construction & development | -0.0109% | 4,101 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0013% | 4,047 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 23 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0186% | 4,039 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0295% | 79 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0344% | 4,234 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0131% | 591 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2520% | 1,179 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2520% | 1,102 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 16 |
| 2021-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0166% | 1,961 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0042% | 1,207 |
| Percentage Net Loans Charged-off:Construction & development | 0.0212% | 179 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0161% | 584 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0121% | 72 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0207% | 3,928 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0252% | 3,280 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0194% | 3,942 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0292% | 1,275 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3630% | 1,106 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3630% | 1,013 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2021-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0101% | 1,943 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0052% | 3,613 |
| Percentage Net Loans Charged-off:Construction & development | 0.0294% | 148 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0046% | 4,137 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0158% | 58 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0204% | 3,999 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0317% | 3,367 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0170% | 3,988 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0159% | 1,139 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4670% | 809 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4670% | 718 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2021-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0008% | 3,062 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0210% | 4,194 |
| Percentage Net Loans Charged-off:Construction & development | -0.0108% | 4,133 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0235% | 4,436 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0010% | 3,927 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0246% | 4,146 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0450% | 3,444 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0186% | 4,082 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0353% | 892 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3803% | 915 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3803% | 822 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2021-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0238% | 1,271 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0109% | 4,066 |
| Percentage Net Loans Charged-off:Construction & development | 0.0063% | 111 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0511% | 4,629 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 31 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0409% | 326 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0109% | 3,371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0556% | 274 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0709% | 604 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7767% | 576 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7767% | 498 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 17 |
| 2020-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0653% | 1,848 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0263% | 1,289 |
| Percentage Net Loans Charged-off:Construction & development | 0.0005% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0240% | 839 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0414% | 878 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0103% | 367 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0498% | 775 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1210% | 1,381 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8634% | 728 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8634% | 672 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 41 |
| 2020-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0810% | 1,493 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0273% | 1,073 |
| Percentage Net Loans Charged-off:Construction & development | 0.0054% | 253 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0294% | 628 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 74 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0356% | 812 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0192% | 304 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0400% | 720 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1689% | 1,050 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0918% | 560 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0918% | 496 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2020-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1254% | 1,095 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0481% | 733 |
| Percentage Net Loans Charged-off:Construction & development | -0.0023% | 4,148 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0558% | 432 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 54 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0602% | 553 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0028% | 289 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0753% | 459 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3133% | 743 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3221% | 506 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3221% | 438 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2020-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1821% | 742 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0733% | 464 |
| Percentage Net Loans Charged-off:Construction & development | -0.0041% | 4,248 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0653% | 284 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 26 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1177% | 328 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0164% | 3,486 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1530% | 267 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6955% | 397 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0682% | 723 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0682% | 650 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2019-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0920% | 1,808 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0704% | 926 |
| Percentage Net Loans Charged-off:Construction & development | -0.0309% | 4,368 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1169% | 552 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0149% | 4,119 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0632% | 893 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0303% | 3,584 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0895% | 694 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0931% | 1,788 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5759% | 1,402 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5759% | 1,299 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2019-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0537% | 2,065 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0165% | 1,422 |
| Percentage Net Loans Charged-off:Construction & development | -0.0497% | 4,490 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0070% | 819 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0195% | 4,179 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0467% | 908 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0373% | 3,647 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0707% | 706 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1756% | 1,238 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4574% | 1,556 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4574% | 1,446 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2019-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0602% | 1,786 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0219% | 1,139 |
| Percentage Net Loans Charged-off:Construction & development | -0.0721% | 4,582 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0138% | 602 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0286% | 4,221 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0594% | 706 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0490% | 3,713 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0905% | 536 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1911% | 1,034 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4751% | 1,410 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4751% | 1,295 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2019-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0714% | 1,345 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0259% | 844 |
| Percentage Net Loans Charged-off:Construction & development | -0.0057% | 4,444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0287% | 340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 46 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0357% | 706 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0273% | 3,692 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0538% | 559 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1758% | 752 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7312% | 988 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7312% | 908 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2018-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0562% | 2,338 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0198% | 1,723 |
| Percentage Net Loans Charged-off:Construction & development | -0.0318% | 4,448 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0101% | 4,602 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0030% | 4,223 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0673% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0254% | 495 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0800% | 911 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1146% | 1,568 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6184% | 1,326 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6184% | 1,228 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2018-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0231% | 2,675 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0041% | 4,058 |
| Percentage Net Loans Charged-off:Construction & development | -0.0414% | 4,533 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0196% | 4,786 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0230% | 1,379 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0133% | 3,614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0340% | 1,174 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0569% | 1,561 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4522% | 1,489 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4522% | 1,386 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2018-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0458% | 1,955 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0152% | 1,325 |
| Percentage Net Loans Charged-off:Construction & development | -0.0100% | 4,428 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0130% | 4,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 79 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0584% | 877 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0203% | 3,703 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0829% | 704 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0440% | 1,366 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6393% | 1,110 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6393% | 1,004 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2018-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0669% | 1,439 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0307% | 854 |
| Percentage Net Loans Charged-off:Construction & development | -0.0123% | 4,561 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0134% | 4,926 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 42 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1050% | 532 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0331% | 3,831 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1489% | 419 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0060% | 3,906 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8932% | 864 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8932% | 769 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2017-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1317% | 1,736 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0798% | 1,141 |
| Percentage Net Loans Charged-off:Construction & development | -0.0170% | 4,511 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0950% | 736 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0092% | 4,408 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1101% | 1,009 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0305% | 582 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1347% | 858 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2471% | 1,399 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7637% | 1,198 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7637% | 1,088 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 42 |
| 2017-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1200% | 1,591 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0584% | 1,168 |
| Percentage Net Loans Charged-off:Construction & development | -0.0193% | 4,571 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0786% | 612 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0126% | 4,450 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0769% | 1,111 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0421% | 479 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0875% | 1,022 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3127% | 1,015 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7225% | 1,166 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7225% | 1,054 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2017-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1209% | 1,442 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0748% | 941 |
| Percentage Net Loans Charged-off:Construction & development | -0.0230% | 4,642 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1111% | 449 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0114% | 4,487 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0879% | 965 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0674% | 367 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0941% | 904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2386% | 968 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6489% | 1,230 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6489% | 1,113 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 32 |
| 2017-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1490% | 1,068 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0599% | 867 |
| Percentage Net Loans Charged-off:Construction & development | -0.0379% | 4,823 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0232% | 442 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0208% | 4,549 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1301% | 654 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1447% | 230 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1257% | 651 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2811% | 654 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2787% | 634 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2787% | 556 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 25 |
| 2016-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1173% | 2,085 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0235% | 2,300 |
| Percentage Net Loans Charged-off:Construction & development | 0.0144% | 534 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0239% | 1,216 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0051% | 4,547 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0306% | 2,191 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0100% | 3,932 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0425% | 1,915 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4492% | 1,093 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8232% | 1,148 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8232% | 1,048 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0055% | 4,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 40 |
| 2016-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1314% | 1,654 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0224% | 2,033 |
| Percentage Net Loans Charged-off:Construction & development | 0.0205% | 423 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0341% | 922 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0007% | 4,560 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0187% | 2,115 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0117% | 3,953 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0275% | 1,904 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6147% | 722 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7662% | 1,105 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7662% | 1,005 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0070% | 4,998 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 36 |
| 2016-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0991% | 1,846 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0176% | 1,993 |
| Percentage Net Loans Charged-off:Construction & development | -0.0014% | 4,598 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0532% | 690 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0258% | 4,656 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0049% | 2,045 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0085% | 3,963 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0087% | 1,906 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2331% | 1,059 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9227% | 877 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9227% | 777 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0087% | 5,050 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 2016-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1198% | 1,393 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0616% | 1,085 |
| Percentage Net Loans Charged-off:Construction & development | -0.0010% | 4,734 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1840% | 311 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0162% | 4,681 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0028% | 1,568 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0143% | 4,032 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0076% | 1,432 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0107% | 4,278 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0845% | 751 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0845% | 673 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0036% | 5,062 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2015-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2323% | 1,281 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1676% | 1,097 |
| Percentage Net Loans Charged-off:Construction & development | -0.0009% | 4,615 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2701% | 634 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0177% | 4,730 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1590% | 1,309 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0092% | 4,117 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2051% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4707% | 1,025 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8244% | 1,016 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8244% | 918 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0056% | 1,419 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2015-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2434% | 1,074 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1809% | 930 |
| Percentage Net Loans Charged-off:Construction & development | -0.0012% | 4,699 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2990% | 506 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0176% | 4,773 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1643% | 1,179 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0068% | 4,120 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2109% | 944 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5127% | 799 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7745% | 987 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7745% | 901 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0093% | 1,258 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 33 |
| 2015-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2091% | 1,208 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1355% | 1,158 |
| Percentage Net Loans Charged-off:Construction & development | -0.0013% | 4,763 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1015% | 772 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0130% | 172 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2117% | 983 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0310% | 662 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2607% | 802 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5524% | 682 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7705% | 941 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7705% | 854 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0101% | 5,198 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2015-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1556% | 1,328 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1201% | 1,087 |
| Percentage Net Loans Charged-off:Construction & development | -0.0014% | 4,914 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1062% | 521 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0525% | 106 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1679% | 949 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0729% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1944% | 830 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0735% | 973 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9383% | 782 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9383% | 711 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0072% | 5,241 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2014-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2329% | 1,812 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1492% | 1,857 |
| Percentage Net Loans Charged-off:Construction & development | 0.0071% | 1,121 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1002% | 1,544 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0727% | 340 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2391% | 1,407 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1551% | 803 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2640% | 1,273 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5756% | 1,107 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0428% | 886 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0428% | 790 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0119% | 5,351 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 54 |
| 2014-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2340% | 1,644 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1595% | 1,631 |
| Percentage Net Loans Charged-off:Construction & development | 0.0101% | 962 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0681% | 1,438 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0854% | 293 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2911% | 1,125 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2035% | 680 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3168% | 1,002 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5235% | 1,027 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0217% | 836 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0217% | 759 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0133% | 5,415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2419% | 1,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1251% | 1,838 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 833 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0035% | 5,479 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0433% | 247 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2882% | 1,124 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2007% | 606 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3133% | 1,016 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9453% | 670 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8914% | 979 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8914% | 898 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0159% | 5,471 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4247% | 857 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1624% | 1,338 |
| Percentage Net Loans Charged-off:Construction & development | 0.0341% | 548 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0038% | 1,045 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1209% | 139 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3471% | 863 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1934% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3910% | 769 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2792% | 269 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2431% | 714 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2431% | 638 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0256% | 5,545 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3728% | 1,808 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3382% | 1,609 |
| Percentage Net Loans Charged-off:Construction & development | 0.1303% | 1,400 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4690% | 1,078 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0266% | 5,191 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3125% | 1,660 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1501% | 1,143 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3594% | 1,428 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2815% | 1,981 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2478% | 915 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2478% | 826 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0101% | 5,505 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 77 |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3985% | 1,608 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3647% | 1,451 |
| Percentage Net Loans Charged-off:Construction & development | 0.1808% | 1,208 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5317% | 924 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0288% | 5,244 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2995% | 1,613 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1888% | 973 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3316% | 1,470 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3197% | 1,678 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2398% | 829 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2398% | 748 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0103% | 5,556 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2919% | 2,020 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2321% | 1,966 |
| Percentage Net Loans Charged-off:Construction & development | 0.2467% | 1,027 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1426% | 1,469 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0274% | 5,253 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3532% | 1,435 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2124% | 847 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3943% | 1,289 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3660% | 1,430 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1432% | 891 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1432% | 797 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0093% | 5,539 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 58 |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3271% | 1,659 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2429% | 1,620 |
| Percentage Net Loans Charged-off:Construction & development | 0.0554% | 876 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2336% | 935 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0204% | 5,285 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3288% | 1,329 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2428% | 613 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3540% | 1,198 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6622% | 841 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1030% | 931 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1030% | 845 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0113% | 5,624 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 43 |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6559% | 1,794 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5774% | 1,734 |
| Percentage Net Loans Charged-off:Construction & development | 1.8376% | 1,147 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4288% | 1,696 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4429% | 581 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5598% | 1,632 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4350% | 1,101 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5999% | 1,458 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1872% | 1,274 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0887% | 1,273 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.0887% | 1,172 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0392% | 5,971 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 125 |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7299% | 1,516 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6406% | 1,544 |
| Percentage Net Loans Charged-off:Construction & development | 2.4122% | 934 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3405% | 1,660 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6818% | 456 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6680% | 1,340 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4498% | 979 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7397% | 1,178 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2221% | 1,148 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3233% | 979 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3233% | 876 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0474% | 6,053 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8241% | 1,341 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7864% | 1,258 |
| Percentage Net Loans Charged-off:Construction & development | 3.7576% | 649 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3160% | 1,571 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9179% | 353 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7751% | 1,168 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4837% | 859 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8719% | 1,023 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9479% | 1,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3906% | 927 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3906% | 838 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0702% | 6,088 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8163% | 1,261 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7970% | 1,141 |
| Percentage Net Loans Charged-off:Construction & development | 4.4972% | 469 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2478% | 1,233 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.2504% | 227 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6507% | 1,247 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4955% | 691 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7027% | 1,115 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6059% | 1,190 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6314% | 752 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6314% | 670 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0519% | 6,056 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3012% | 1,268 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2333% | 1,294 |
| Percentage Net Loans Charged-off:Construction & development | 4.1735% | 1,132 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1599% | 1,089 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7325% | 679 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9230% | 1,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3254% | 1,444 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1268% | 1,096 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1595% | 1,121 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3409% | 1,266 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2938% | 1,116 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0724% | 6,148 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3282% | 1,150 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3180% | 1,077 |
| Percentage Net Loans Charged-off:Construction & development | 5.0020% | 870 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2298% | 891 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.7461% | 561 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9263% | 1,274 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3693% | 1,218 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1164% | 1,043 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8043% | 1,180 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2709% | 1,226 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2155% | 1,061 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0628% | 6,155 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9267% | 1,679 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7829% | 1,714 |
| Percentage Net Loans Charged-off:Construction & development | 5.4623% | 761 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2985% | 1,827 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6264% | 487 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6430% | 1,657 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3546% | 1,107 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7416% | 1,426 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1813% | 957 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1705% | 1,284 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1033% | 1,091 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0742% | 6,177 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0129% | 1,350 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0370% | 1,169 |
| Percentage Net Loans Charged-off:Construction & development | 10.8856% | 307 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3047% | 1,315 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1333% | 5,739 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6253% | 1,351 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4412% | 764 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6878% | 1,202 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8606% | 1,342 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3185% | 1,075 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.2088% | 903 |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0381% | 6,064 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2799% | 1,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1425% | 1,688 |
| Percentage Net Loans Charged-off:Construction & development | 1.0308% | 2,494 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2121% | 1,078 |
| Percentage Net Loans Charged-off: Multi-family residential | 3.0538% | 414 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7929% | 1,672 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3774% | 1,379 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9207% | 1,483 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0131% | 1,607 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2072% | 973 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,060 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1028% | 1,609 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4359% | 1,418 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3311% | 1,346 |
| Percentage Net Loans Charged-off:Construction & development | 0.4590% | 2,608 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5421% | 781 |
| Percentage Net Loans Charged-off: Multi-family residential | 4.1375% | 290 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8861% | 1,382 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2789% | 1,346 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0689% | 1,172 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3164% | 1,309 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8568% | 1,134 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 993 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1549% | 1,340 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1095% | 1,705 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0481% | 1,539 |
| Percentage Net Loans Charged-off:Construction & development | 0.0548% | 2,621 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7026% | 1,250 |
| Percentage Net Loans Charged-off: Multi-family residential | 5.6277% | 194 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9761% | 1,211 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3064% | 1,115 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1736% | 1,021 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4513% | 1,650 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6380% | 1,231 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1940% | 1,108 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8119% | 1,910 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7029% | 1,721 |
| Percentage Net Loans Charged-off:Construction & development | 0.0139% | 2,012 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6895% | 947 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.3236% | 236 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6370% | 1,363 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1418% | 901 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7799% | 1,156 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1162% | 1,483 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6822% | 1,194 |
| 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 | 0.4677% | 721 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1040% | 2,215 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8284% | 2,173 |
| Percentage Net Loans Charged-off:Construction & development | 1.5368% | 2,294 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1516% | 1,005 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6911% | 630 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3886% | 2,417 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4324% | 1,304 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3777% | 2,364 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5937% | 1,512 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2247% | 1,186 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,179 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0752% | 1,868 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9421% | 2,087 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6058% | 2,175 |
| Percentage Net Loans Charged-off:Construction & development | 0.7322% | 2,323 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8105% | 985 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3728% | 537 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4192% | 2,005 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3899% | 1,144 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4262% | 1,883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4062% | 1,316 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5933% | 946 |
| 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 | 0.1694% | 1,443 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6240% | 2,474 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4241% | 2,320 |
| Percentage Net Loans Charged-off:Construction & development | 0.9891% | 1,783 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2374% | 1,465 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1571% | 462 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5253% | 1,531 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5170% | 836 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5273% | 1,450 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1982% | 1,809 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9395% | 1,237 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3268% | 1,095 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5670% | 2,048 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3085% | 2,045 |
| Percentage Net Loans Charged-off:Construction & development | 1.2144% | 1,157 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3022% | 825 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0072% | 304 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1781% | 1,909 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3510% | 660 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1389% | 1,898 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9201% | 1,478 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.8307% | 765 |
| 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 | -0.0360% | 6,722 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5420% | 2,197 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4324% | 1,852 |
| Percentage Net Loans Charged-off:Construction & development | 0.0345% | 2,752 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3445% | 1,096 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9258% | 287 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5309% | 1,149 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4195% | 774 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5527% | 1,052 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4622% | 2,805 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7736% | 1,191 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,198 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4059% | 2,022 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2689% | 1,800 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2570% | 848 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.8681% | 193 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2648% | 1,440 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3664% | 648 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2455% | 1,415 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5497% | 1,927 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5329% | 1,167 |
| 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 | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3394% | 1,937 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2260% | 1,594 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2752% | 637 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.1985% | 107 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1164% | 1,826 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3009% | 568 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0824% | 1,891 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3894% | 1,826 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3511% | 1,249 |
| 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 | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3913% | 1,319 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2025% | 1,235 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1419% | 531 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0899% | 52 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0833% | 1,457 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0976% | 500 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0807% | 1,342 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7212% | 975 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6302% | 955 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2817% | 1,938 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1297% | 1,830 |
| Percentage Net Loans Charged-off:Construction & development | 0.0026% | 1,560 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1833% | 830 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1391% | 213 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1223% | 1,701 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2132% | 547 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1064% | 1,742 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5056% | 1,877 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3690% | 1,110 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2238% | 1,790 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0915% | 1,585 |
| Percentage Net Loans Charged-off:Construction & development | 0.0035% | 1,078 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1753% | 561 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0727% | 6,190 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0773% | 1,601 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2270% | 383 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0512% | 1,762 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2718% | 1,979 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3380% | 994 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2097% | 1,656 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0722% | 1,440 |
| Percentage Net Loans Charged-off:Construction & development | 0.0202% | 719 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0426% | 675 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0289% | 129 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1058% | 1,155 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3208% | 261 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0687% | 1,288 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3906% | 1,414 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1822% | 1,058 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2331% | 1,250 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0535% | 1,174 |
| Percentage Net Loans Charged-off:Construction & development | 0.0109% | 423 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0722% | 373 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0438% | 65 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0520% | 1,107 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3706% | 179 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 7,667 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5365% | 857 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3820% | 898 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2626% | 1,558 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0683% | 1,692 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1746% | 605 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0258% | 2,358 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0707% | 523 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0177% | 2,344 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7450% | 1,269 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8879% | 1,693 |
| 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 | 1.1575% | 525 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2925% | 1,129 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0816% | 1,219 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1926% | 456 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0395% | 1,753 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0928% | 368 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0298% | 1,784 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8734% | 874 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8967% | 1,494 |
| 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 | 1.2042% | 456 |
| 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 | 0.3573% | 871 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0778% | 1,129 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1676% | 419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0446% | 1,455 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1216% | 269 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0305% | 1,504 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4439% | 569 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7629% | 1,658 |
| 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 | 1.1073% | 438 |
| 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 | 0.1775% | 1,435 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0887% | 781 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2118% | 246 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0389% | 1,029 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0619% | 251 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0347% | 981 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0299% | 1,633 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9476% | 1,348 |
| 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 | 1.0313% | 408 |
| 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 | 0.2982% | 1,580 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0679% | 1,643 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1555% | 646 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0339% | 2,292 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1195% | 390 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0180% | 2,456 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5347% | 1,825 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8783% | 731 |
| 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 | 0.2277% | 1,740 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0298% | 2,103 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0253% | 900 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0385% | 1,903 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1326% | 300 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0210% | 2,048 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5003% | 1,545 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4525% | 983 |
| 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 | 0.2034% | 1,789 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0302% | 1,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0241% | 696 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0395% | 1,610 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2015% | 217 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0095% | 1,854 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4877% | 1,400 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1945% | 1,280 |
| 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 | 0.1540% | 1,915 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0283% | 1,383 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0506% | 402 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0218% | 1,330 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2801% | 140 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0258% | 8,197 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1834% | 1,460 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1552% | 1,302 |
| 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 | 0.3014% | 1,921 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0869% | 1,736 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2057% | 782 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0408% | 2,325 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0613% | 482 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0368% | 2,292 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3793% | 2,461 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5070% | 1,206 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,629 |
| 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 | 0.2589% | 1,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0744% | 1,598 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2010% | 593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0238% | 2,247 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0750% | 370 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0138% | 2,301 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1571% | 2,754 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5198% | 1,084 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,504 |
| 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 | 0.2278% | 1,992 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0375% | 1,937 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1008% | 640 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0135% | 2,043 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0545% | 343 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0054% | 2,074 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0628% | 2,733 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5431% | 1,086 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,362 |
| 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 | 0.2498% | 1,671 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0024% | 1,925 |
| 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 | 0.0038% | 1,563 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0045% | 1,444 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2858% | 1,445 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4856% | 1,252 |
| 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 | 0.4516% | 1,637 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0237% | 3,168 |
| 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 | 0.0360% | 2,589 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0434% | 2,377 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9130% | 1,803 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5692% | 1,277 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4161% | 1,560 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0259% | 2,607 |
| 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 | 0.0390% | 2,100 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0470% | 1,922 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7227% | 1,791 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5546% | 1,179 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4291% | 1,441 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0355% | 2,086 |
| 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 | 0.0531% | 1,640 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0641% | 1,497 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8137% | 1,491 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4048% | 1,386 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3340% | 1,618 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0383% | 1,532 |
| 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 | 0.0573% | 1,215 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0693% | 1,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2886% | 1,712 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4837% | 1,301 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4950% | 1,674 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0235% | 3,195 |
| 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 | 0.0346% | 2,570 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0419% | 2,349 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9667% | 1,944 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4458% | 1,450 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,947 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3263% | 2,483 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0380% | 2,636 |
| 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 | 0.0525% | 2,064 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0621% | 1,871 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6265% | 2,401 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8343% | 2,768 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1845% | 3,355 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0123% | 737 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0166% | 682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0190% | 610 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3695% | 540 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4810% | 800 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 977 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3149% | 2,211 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0146% | 779 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0201% | 755 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0224% | 687 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8403% | 245 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7053% | 632 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6210% | 264 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.3834% | 1,945 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1132% | 258 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3538% | 106 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0539% | 469 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0586% | 412 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4777% | 360 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0542% | 459 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1441% | 386 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| 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 | 0.4359% | 1,839 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0066% | 1,236 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0099% | 1,326 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0105% | 1,325 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4384% | 367 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4615% | 355 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8399% | 333 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| 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 | 0.2799% | 3,160 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0476% | 616 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0767% | 384 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.6066% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0063% | 1,374 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0066% | 1,373 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0814% | 739 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9298% | 572 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0824% | 629 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| 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 | 0.5306% | 1,543 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0562% | 654 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0560% | 515 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0667% | 471 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0684% | 446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1644% | 155 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8384% | 464 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8178% | 566 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9082% | 279 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0758% | 644 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0486% | 570 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.9496% | 64 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0457% | 595 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0463% | 568 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.6393% | 35 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4808% | 651 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5882% | 545 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5046% | 2,715 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0683% | 848 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1801% | 608 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0252% | 857 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0256% | 808 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8381% | 422 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8133% | 495 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1002% | 467 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7174% | 3,057 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1979% | 757 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4532% | 602 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.5291% | 1,476 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0669% | 719 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0682% | 686 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2964% | 504 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8034% | 705 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9043% | 644 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 479 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 144 |