Home > First Federal Bank > Net charge- offs to loans
First Federal Bank, Net charge- offs to loans
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9676% | 636 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8988% | 603 |
| Percentage Net Loans Charged-off:Construction & development | 0.7344% | 803 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8430% | 289 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7256% | 761 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2523% | 319 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5661% | 928 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5462% | 441 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9525% | 1,083 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9915% | 348 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9012% | 1,031 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9585% | 639 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9143% | 570 |
| Percentage Net Loans Charged-off:Construction & development | -0.3319% | 5,944 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.1232% | 240 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7809% | 684 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4216% | 247 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5841% | 838 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6532% | 847 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2644% | 822 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5774% | 276 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.1985% | 778 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 975 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1591% | 886 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0738% | 912 |
| Percentage Net Loans Charged-off:Construction & development | 3.2653% | 785 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1619% | 789 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.1085% | 5,592 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8963% | 1,012 |
| Percentage Net Loans Charged-off: Home equity loans | 1.9881% | 314 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5673% | 1,537 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7009% | 969 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5131% | 890 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8141% | 221 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.3992% | 869 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2143% | 797 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1045% | 852 |
| Percentage Net Loans Charged-off:Construction & development | 4.0470% | 644 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4538% | 575 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.4689% | 5,625 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8110% | 1,105 |
| Percentage Net Loans Charged-off: Home equity loans | 2.2137% | 281 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3906% | 1,946 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1468% | 736 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6242% | 783 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2437% | 193 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4960% | 768 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.2869% | 833 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1632% | 834 |
| Percentage Net Loans Charged-off:Construction & development | 4.0994% | 608 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.2726% | 640 |
| Percentage Net Loans Charged-off: Multi-family residential | -2.2268% | 5,638 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9405% | 966 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7302% | 217 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4058% | 1,805 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9532% | 795 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8341% | 699 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1682% | 274 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.7688% | 661 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.5705% | 635 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3405% | 687 |
| Percentage Net Loans Charged-off:Construction & development | 6.5504% | 359 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7814% | 424 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8306% | 1,013 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6358% | 231 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2956% | 1,777 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.3922% | 439 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4361% | 484 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1197% | 156 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.3074% | 460 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2116% | 70 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.8223% | 59 |
| Percentage Net Loans Charged-off:Construction & development | 24.9398% | 104 |
| Percentage Net Loans Charged-off: Commercial real estate | 7.0749% | 51 |
| Percentage Net Loans Charged-off: Multi-family residential | 14.4504% | 67 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.0828% | 287 |
| Percentage Net Loans Charged-off: Home equity loans | 4.5434% | 177 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6004% | 410 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.8819% | 278 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6804% | 965 |
| Percentage Net Loans Charged-off: Credit card loans | 5.5871% | 181 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4947% | 942 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.4711% | 48 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.2843% | 39 |
| Percentage Net Loans Charged-off:Construction & development | 30.5479% | 70 |
| Percentage Net Loans Charged-off: Commercial real estate | 8.7200% | 38 |
| Percentage Net Loans Charged-off: Multi-family residential | 18.4529% | 53 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7632% | 195 |
| Percentage Net Loans Charged-off: Home equity loans | 4.9303% | 160 |
| All other 1-4 family - Percent of loans charged-off, net | 3.3683% | 276 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.9172% | 173 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7099% | 901 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9152% | 218 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.5575% | 829 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 8.8954% | 25 |
| Percentage Net Loans Charged-off: Total real estate loans | 10.0753% | 22 |
| Percentage Net Loans Charged-off:Construction & development | 40.6097% | 48 |
| Percentage Net Loans Charged-off: Commercial real estate | 12.1975% | 27 |
| Percentage Net Loans Charged-off: Multi-family residential | 26.8539% | 38 |
| Percentage Net Loans Charged-off: 1-4 family residential | 5.0708% | 139 |
| Percentage Net Loans Charged-off: Home equity loans | 5.2506% | 155 |
| All other 1-4 family - Percent of loans charged-off, net | 5.0089% | 164 |
| Percentage Net Loans Charged-off: Commercial and industrial | 12.7155% | 105 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8646% | 812 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4802% | 202 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6904% | 707 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4019% | 492 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3208% | 467 |
| Percentage Net Loans Charged-off:Construction & development | 7.4304% | 462 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8847% | 476 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7742% | 586 |
| Percentage Net Loans Charged-off: Home equity loans | 5.2393% | 151 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5713% | 1,353 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.1055% | 313 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1395% | 693 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7207% | 206 |
| Percentage Net Loans Charged-off: Other loans to individual | 1.9583% | 567 |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.5639% | 395 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8403% | 315 |
| Percentage Net Loans Charged-off:Construction & development | 15.2864% | 283 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.9941% | 637 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3502% | 910 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2315% | 556 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6343% | 246 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6889% | 827 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.6755% | 677 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8438% | 1,175 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0311% | 247 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 4.2942% | 258 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6801% | 189 |
| Percentage Net Loans Charged-off:Construction & development | 18.3260% | 184 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.2895% | 493 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4782% | 694 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6578% | 395 |
| Percentage Net Loans Charged-off: Home equity loans | 3.8236% | 222 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1971% | 529 |
| Percentage Net Loans Charged-off: Commercial and industrial | 5.9442% | 444 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8677% | 1,123 |
| Percentage Net Loans Charged-off: Credit card loans | 5.5107% | 276 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.5404% | 162 |
| Percentage Net Loans Charged-off: Total real estate loans | 6.1480% | 118 |
| Percentage Net Loans Charged-off:Construction & development | 23.3094% | 144 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.5700% | 254 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.7044% | 387 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.2041% | 318 |
| Percentage Net Loans Charged-off: Home equity loans | 4.1617% | 203 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8194% | 398 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.0950% | 367 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9210% | 1,066 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6130% | 287 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.3880% | 213 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.9582% | 148 |
| Percentage Net Loans Charged-off:Construction & development | 25.6345% | 127 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.5000% | 249 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3097% | 383 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1004% | 531 |
| Percentage Net Loans Charged-off: Home equity loans | 3.3188% | 251 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6061% | 680 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.4101% | 412 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0512% | 973 |
| Percentage Net Loans Charged-off: Credit card loans | 6.5466% | 248 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1297% | 1,138 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0279% | 1,029 |
| Percentage Net Loans Charged-off:Construction & development | 7.3799% | 850 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.5951% | 734 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.5302% | 486 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6918% | 1,702 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8009% | 531 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2552% | 2,828 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.3573% | 895 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1097% | 1,259 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6747% | 343 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9497% | 1,019 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8400% | 921 |
| Percentage Net Loans Charged-off:Construction & development | 7.7106% | 654 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5539% | 1,276 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.0699% | 308 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5322% | 1,704 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4954% | 535 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1561% | 2,946 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.8074% | 840 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0529% | 1,203 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4352% | 355 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4337% | 1,317 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1621% | 1,224 |
| Percentage Net Loans Charged-off:Construction & development | 4.6911% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0941% | 1,854 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.6783% | 261 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4252% | 1,759 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4359% | 467 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0356% | 3,286 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.4046% | 649 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0944% | 1,144 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1526% | 378 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3165% | 1,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9168% | 1,077 |
| Percentage Net Loans Charged-off:Construction & development | 3.2892% | 732 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2371% | 907 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4380% | 1,334 |
| Percentage Net Loans Charged-off: Home equity loans | 1.6646% | 328 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0284% | 7,747 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2207% | 541 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6267% | 833 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5282% | 393 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6001% | 2,033 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3800% | 2,021 |
| Percentage Net Loans Charged-off:Construction & development | 1.5000% | 1,285 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1607% | 2,391 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3771% | 812 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0880% | 2,824 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1180% | 1,686 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5696% | 1,395 |
| Percentage Net Loans Charged-off: Credit card loans | 5.2790% | 256 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4651% | 1,804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2545% | 1,861 |
| Percentage Net Loans Charged-off:Construction & development | 0.7334% | 1,258 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1837% | 1,795 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4422% | 594 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0997% | 2,187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6849% | 1,706 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4548% | 1,247 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1422% | 244 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4268% | 1,578 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2092% | 1,692 |
| Percentage Net Loans Charged-off:Construction & development | 0.4341% | 1,055 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1983% | 1,446 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5704% | 423 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0817% | 1,896 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7079% | 1,347 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4324% | 1,176 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5103% | 286 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4518% | 1,147 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2074% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.2670% | 772 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2411% | 961 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6066% | 285 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1307% | 1,165 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8763% | 875 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5603% | 1,011 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4461% | 351 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2702% | 2,027 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0792% | 2,391 |
| Percentage Net Loans Charged-off:Construction & development | 0.2631% | 899 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0489% | 2,454 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0545% | 813 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0473% | 2,339 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1976% | 2,739 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2640% | 1,226 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9982% | 395 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2378% | 1,676 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0642% | 1,878 |
| Percentage Net Loans Charged-off:Construction & development | 0.2057% | 600 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0412% | 1,994 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0733% | 584 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0320% | 1,987 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2494% | 2,061 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1301% | 1,198 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6765% | 441 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1795% | 1,860 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0129% | 2,353 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0189% | 1,875 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0495% | 474 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0101% | 1,846 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4511% | 1,317 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9852% | 1,311 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2715% | 474 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2007% | 1,395 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0294% | 1,423 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0429% | 1,165 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1232% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0202% | 1,191 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4323% | 962 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0644% | 1,182 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1319% | 469 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1998% | 1,998 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0358% | 2,264 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0161% | 1,171 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0485% | 2,005 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0012% | 703 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0615% | 1,737 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0970% | 2,966 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1534% | 1,224 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3664% | 499 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2185% | 1,472 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0475% | 1,657 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0219% | 862 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0640% | 1,480 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0016% | 547 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0810% | 1,264 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1326% | 2,235 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2147% | 1,023 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5340% | 438 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2410% | 1,291 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0680% | 1,219 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0043% | 7,949 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0971% | 1,056 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0122% | 410 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1201% | 905 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0519% | 2,296 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2852% | 949 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1606% | 503 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2656% | 1,026 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1190% | 650 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0089% | 8,060 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1684% | 573 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0232% | 288 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2070% | 483 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0890% | 1,428 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1646% | 1,109 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9068% | 381 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2617% | 1,807 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0322% | 2,358 |
| Percentage Net Loans Charged-off:Construction & development | 0.0436% | 511 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0358% | 2,256 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0192% | 620 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0396% | 2,088 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6659% | 1,567 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5361% | 1,033 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1783% | 767 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2882% | 1,412 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0361% | 1,972 |
| Percentage Net Loans Charged-off:Construction & development | 0.0614% | 366 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0381% | 1,910 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0106% | 530 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0443% | 1,722 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8208% | 1,129 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6805% | 793 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7107% | 569 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3011% | 1,286 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0384% | 1,663 |
| Percentage Net Loans Charged-off:Construction & development | 0.0943% | 258 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0362% | 1,649 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0010% | 5,874 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0442% | 1,469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1612% | 826 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6958% | 799 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2351% | 639 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3421% | 1,031 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0598% | 1,075 |
| Percentage Net Loans Charged-off:Construction & development | 0.1610% | 144 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0544% | 1,116 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0658% | 983 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6734% | 514 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7644% | 795 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6939% | 650 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3097% | 1,868 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0600% | 2,140 |
| Percentage Net Loans Charged-off:Construction & development | 0.0032% | 740 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0768% | 1,837 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0383% | 528 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0837% | 1,717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9091% | 1,432 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7795% | 927 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0424% | 659 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3117% | 1,594 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0530% | 1,897 |
| Percentage Net Loans Charged-off:Construction & development | 0.0044% | 595 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0674% | 1,674 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0296% | 465 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0739% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1735% | 989 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7975% | 822 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2576% | 589 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3274% | 1,447 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0447% | 1,843 |
| Percentage Net Loans Charged-off:Construction & development | 0.0067% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0562% | 1,559 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0222% | 392 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0618% | 1,438 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4276% | 778 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9487% | 765 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2624% | 597 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4200% | 1,072 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0530% | 1,298 |
| Percentage Net Loans Charged-off:Construction & development | 0.0138% | 267 |
| 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 | 0.0653% | 1,131 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0478% | 245 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0681% | 1,048 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8166% | 384 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.3855% | 671 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8209% | 621 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3641% | 2,073 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0474% | 2,596 |
| Percentage Net Loans Charged-off:Construction & development | -0.2049% | 8,077 |
| 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 | 0.0823% | 1,921 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0853% | 429 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0818% | 1,903 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.1862% | 562 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0642% | 801 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3926% | 1,046 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3703% | 1,752 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0404% | 2,297 |
| Percentage Net Loans Charged-off:Construction & development | -0.2904% | 8,082 |
| 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 | 0.0829% | 1,603 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0725% | 357 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0845% | 1,568 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2094% | 328 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9958% | 786 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6336% | 933 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3561% | 1,755 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0286% | 2,187 |
| Percentage Net Loans Charged-off:Construction & development | -0.4290% | 8,053 |
| 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 | 0.0840% | 1,382 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1078% | 273 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0804% | 1,376 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2145% | 329 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9932% | 801 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4064% | 912 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3269% | 1,653 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0050% | 1,969 |
| Percentage Net Loans Charged-off:Construction & development | -0.8350% | 8,014 |
| 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 | 0.1018% | 1,013 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0622% | 231 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1076% | 960 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.0924% | 410 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1717% | 782 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2397% | 858 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3441% | 2,421 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0971% | 1,851 |
| Percentage Net Loans Charged-off:Construction & development | 0.2508% | 463 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3107% | 664 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0584% | 2,192 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1490% | 353 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0460% | 2,271 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9543% | 1,965 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1887% | 776 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2395% | 1,175 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2046% | 3,575 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0343% | 2,716 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0031% | 8,715 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0431% | 2,221 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0487% | 2,042 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4341% | 2,845 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5202% | 1,256 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9865% | 1,276 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1094% | 4,460 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0087% | 789 |
| Percentage Net Loans Charged-off:Construction & development | -0.0091% | 1,376 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0034% | 1,271 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1938% | 1,409 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0180% | 663 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0198% | 601 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2308% | 664 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9998% | 408 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1102% | 473 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1292% | 4,263 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0120% | 809 |
| Percentage Net Loans Charged-off:Construction & development | 0.1358% | 110 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0149% | 358 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0043% | 932 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0046% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1365% | 1,360 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4517% | 278 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5405% | 431 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0610% | 6,072 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0112% | 808 |
| Percentage Net Loans Charged-off:Construction & development | -0.0209% | 1,280 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0287% | 1,221 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1088% | 102 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0137% | 752 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0148% | 681 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.1800% | 1,403 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1409% | 412 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3097% | 546 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1467% | 4,589 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0523% | 505 |
| Percentage Net Loans Charged-off:Construction & development | -0.3369% | 1,345 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3147% | 130 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0792% | 160 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0180% | 786 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0044% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0189% | 722 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.6085% | 1,366 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6814% | 290 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7615% | 511 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1787% | 4,383 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0604% | 561 |
| Percentage Net Loans Charged-off:Construction & development | 0.1116% | 197 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2917% | 225 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0012% | 1,332 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0013% | 1,325 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7610% | 93 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0081% | 517 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6078% | 494 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0841% | 6,030 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0332% | 756 |
| Percentage Net Loans Charged-off:Construction & development | 0.0326% | 297 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1210% | 439 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0047% | 960 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0022% | 1,248 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0055% | 901 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0493% | 1,129 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7688% | 517 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0636% | 510 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1207% | 5,303 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0456% | 760 |
| Percentage Net Loans Charged-off:Construction & development | 0.0303% | 323 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0414% | 587 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0560% | 556 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0623% | 275 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0551% | 534 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4964% | 344 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8082% | 381 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2145% | 661 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2298% | 4,995 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1066% | 731 |
| Percentage Net Loans Charged-off:Construction & development | 0.0528% | 447 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2793% | 521 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0363% | 774 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0224% | 411 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0388% | 718 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5922% | 271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8540% | 471 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2476% | 698 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1529% | 7,975 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0307% | 1,159 |
| Percentage Net Loans Charged-off:Construction & development | 0.0778% | 595 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0098% | 947 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1573% | 365 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0188% | 992 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 487 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0217% | 919 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9641% | 597 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1298% | 501 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9922% | 618 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |