Home > First National Bank of the Rockies > Net charge- offs to loans
First National Bank of the Rockies, Net charge- offs to loans
| 2014-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0635% | 5,979 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0020% | 5,197 |
| Percentage Net Loans Charged-off:Construction & development | -0.8798% | 5,791 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 280 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6706% | 491 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0224% | 201 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1863% | 1,463 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3940% | 5,929 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,292 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 642 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,146 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,222 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2014-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.3054% | 6,484 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2355% | 6,439 |
| Percentage Net Loans Charged-off:Construction & development | -1.5933% | 5,910 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,059 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 176 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1583% | 1,337 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 600 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3712% | 800 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7737% | 6,167 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2255% | 2,095 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 507 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2845% | 1,821 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 938 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0721% | 6,414 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2257% | 6,588 |
| Percentage Net Loans Charged-off:Construction & development | -1.8859% | 6,073 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0122% | 5,977 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 619 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3568% | 1,479 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6169% | 577 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0106% | 6,092 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4545% | 1,625 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,193 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2488% | 512 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3114% | 6,224 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,546 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0730% | 6,418 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2753% | 6,674 |
| Percentage Net Loans Charged-off:Construction & development | -2.4288% | 6,155 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0065% | 5,936 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 515 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4778% | 1,113 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8208% | 464 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0142% | 6,074 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6554% | 1,185 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5876% | 6,469 |
| Percentage Net Loans Charged-off: Credit card loans | -1.3283% | 1,294 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4065% | 6,291 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2013-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0232% | 4,374 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.2505% | 6,706 |
| Percentage Net Loans Charged-off:Construction & development | -2.5298% | 6,188 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0099% | 6,063 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 425 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7197% | 768 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2124% | 328 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0333% | 856 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.7701% | 6,541 |
| Percentage Net Loans Charged-off: Credit card loans | -1.9950% | 1,299 |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4771% | 6,313 |
| 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 | -0.3249% | 6,792 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3809% | 6,801 |
| Percentage Net Loans Charged-off:Construction & development | -4.4778% | 6,249 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0198% | 6,261 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 295 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.4092% | 355 |
| Percentage Net Loans Charged-off: Home equity loans | 2.4134% | 148 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0855% | 6,468 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0795% | 5,511 |
| Percentage Net Loans Charged-off: Loans to individuals | -1.5285% | 6,716 |
| Percentage Net Loans Charged-off: Credit card loans | -3.1291% | 1,305 |
| Percentage Net Loans Charged-off: Other loans to individual | -1.1696% | 6,605 |
| 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 | 1.2220% | 824 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5196% | 545 |
| Percentage Net Loans Charged-off:Construction & development | 5.2469% | 531 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3623% | 1,825 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 851 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6886% | 453 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4792% | 445 |
| All other 1-4 family - Percent of loans charged-off, net | 1.9587% | 381 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3708% | 2,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5815% | 2,140 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7032% | 1,724 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1619% | 1,109 |
| 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 | 1.5537% | 546 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9241% | 356 |
| Percentage Net Loans Charged-off:Construction & development | 6.1340% | 457 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4896% | 1,396 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3109% | 283 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8941% | 333 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8322% | 236 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5435% | 1,782 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7572% | 1,611 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 811 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9146% | 1,267 |
| 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 | 1.4967% | 667 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8692% | 426 |
| Percentage Net Loans Charged-off:Construction & development | 5.7230% | 459 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2383% | 1,706 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6478% | 254 |
| Percentage Net Loans Charged-off: Home equity loans | 2.8319% | 209 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4222% | 302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4211% | 1,835 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7876% | 1,517 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 735 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9468% | 1,179 |
| 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 | 2.2645% | 384 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.7235% | 270 |
| Percentage Net Loans Charged-off:Construction & development | 9.8408% | 247 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0428% | 1,592 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.2122% | 199 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1215% | 283 |
| All other 1-4 family - Percent of loans charged-off, net | 4.5453% | 120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9402% | 992 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6913% | 729 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 576 |
| Percentage Net Loans Charged-off: Other loans to individual | 2.0174% | 534 |
| 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 | 3.2672% | 259 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1217% | 138 |
| Percentage Net Loans Charged-off:Construction & development | 13.1219% | 287 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6908% | 1,638 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.3095% | 444 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7341% | 324 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8267% | 652 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4941% | 2,769 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5215% | 2,729 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 959 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5437% | 2,381 |
| 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 | 3.4168% | 241 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.2572% | 147 |
| Percentage Net Loans Charged-off:Construction & development | 12.4904% | 299 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7223% | 1,350 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7384% | 341 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1561% | 256 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2706% | 446 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6934% | 2,121 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6340% | 2,201 |
| Percentage Net Loans Charged-off: Credit card loans | -0.6372% | 1,403 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7381% | 1,690 |
| 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 | 3.6999% | 237 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.5998% | 153 |
| Percentage Net Loans Charged-off:Construction & development | 8.5488% | 496 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.4041% | 250 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.5022% | 263 |
| Percentage Net Loans Charged-off: Home equity loans | 3.7445% | 244 |
| All other 1-4 family - Percent of loans charged-off, net | 3.2337% | 292 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7117% | 1,873 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5741% | 2,221 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 808 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5515% | 1,952 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0301% | 1,257 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.9785% | 226 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.9916% | 152 |
| Percentage Net Loans Charged-off:Construction & development | 5.2024% | 602 |
| Percentage Net Loans Charged-off: Commercial real estate | 6.6894% | 96 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.7005% | 230 |
| Percentage Net Loans Charged-off: Home equity loans | 7.0297% | 121 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4894% | 1,643 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 3,362 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 649 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0000% | 3,214 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1189% | 793 |
| 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 | 4.5392% | 239 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.2484% | 154 |
| Percentage Net Loans Charged-off:Construction & development | 14.6812% | 307 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0578% | 3,368 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0889% | 606 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0832% | 300 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0944% | 1,267 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6918% | 1,260 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0036% | 2,146 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2595% | 1,028 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0228% | 1,883 |
| 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 | 3.6975% | 354 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.0615% | 257 |
| Percentage Net Loans Charged-off:Construction & development | 10.5418% | 495 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0760% | 2,853 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2359% | 502 |
| Percentage Net Loans Charged-off: Home equity loans | 3.5351% | 244 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9648% | 1,273 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4424% | 880 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0766% | 1,859 |
| Percentage Net Loans Charged-off: Credit card loans | 0.3443% | 952 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0287% | 1,660 |
| 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 | 4.1435% | 304 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.8822% | 188 |
| Percentage Net Loans Charged-off:Construction & development | 12.8163% | 362 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1113% | 2,242 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5300% | 434 |
| Percentage Net Loans Charged-off: Home equity loans | 3.6772% | 234 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4187% | 857 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7002% | 1,485 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9855% | 1,942 |
| 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 | 0.0428% | 1,405 |
| 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 | 2.8946% | 537 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.1912% | 435 |
| Percentage Net Loans Charged-off:Construction & development | 5.8375% | 700 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2184% | 1,424 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 4.4312% | 196 |
| Percentage Net Loans Charged-off: Home equity loans | 6.7232% | 109 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2254% | 502 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.3154% | 966 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8081% | 1,096 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 753 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.7929% | 796 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.2866% | 559 |
| Percentage Net Loans Charged-off:Construction & development | 8.0344% | 778 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0554% | 3,095 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6542% | 1,767 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0186% | 847 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3253% | 2,530 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0910% | 2,739 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1015% | 2,500 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2727% | 761 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0773% | 1,860 |
| 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 | 1.9963% | 985 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3079% | 706 |
| Percentage Net Loans Charged-off:Construction & development | 5.3209% | 922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0731% | 2,442 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8018% | 1,295 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3680% | 571 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3010% | 2,260 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9996% | 2,384 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9643% | 2,518 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9319% | 778 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0997% | 1,578 |
| 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 | 2.7401% | 616 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3519% | 389 |
| Percentage Net Loans Charged-off:Construction & development | 7.6808% | 580 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1145% | 1,790 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9577% | 1,004 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0371% | 353 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,607 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5201% | 2,641 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4632% | 3,595 |
| 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 | 0.1462% | 1,293 |
| 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 | 2.3959% | 601 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0078% | 357 |
| Percentage Net Loans Charged-off:Construction & development | 6.8057% | 430 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2741% | 858 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4249% | 1,364 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8880% | 463 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0917% | 2,558 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4931% | 2,967 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 800 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0855% | 5,533 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 5,348 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| 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 | 0.0000% | 4,222 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,963 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5335% | 2,631 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0747% | 7,636 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8017% | 1,033 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1293% | 4,027 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,589 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| 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 | 0.0000% | 3,509 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7642% | 1,586 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0192% | 7,313 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7438% | 682 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1902% | 2,820 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| 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 | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,615 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1202% | 969 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2030% | 7,667 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0517% | 776 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4482% | 1,154 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| 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 | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5316% | 386 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4833% | 7,835 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0884% | 631 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1748% | 2,894 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0122% | 3,786 |
| Percentage Net Loans Charged-off:Construction & development | 0.0301% | 1,422 |
| 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 | 0.0000% | 3,352 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,111 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7539% | 1,465 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2278% | 4,408 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4933% | 755 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4129% | 938 |
| 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 | 0.2012% | 1,981 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0163% | 2,804 |
| Percentage Net Loans Charged-off:Construction & development | 0.0410% | 904 |
| 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 | 0.0000% | 2,699 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9647% | 930 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0491% | 4,988 |
| 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 | 0.3105% | 901 |
| 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 | 0.2150% | 1,616 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0242% | 2,090 |
| Percentage Net Loans Charged-off:Construction & development | 0.0619% | 597 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,135 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0369% | 785 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0949% | 7,316 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 965 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5011% | 707 |
| 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 | 0.1171% | 2,025 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0536% | 1,172 |
| Percentage Net Loans Charged-off:Construction & development | 0.1397% | 283 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5117% | 885 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1384% | 7,196 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 790 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0430% | 6,983 |
| 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 | 0.0739% | 3,804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0110% | 3,007 |
| Percentage Net Loans Charged-off:Construction & development | 0.0303% | 673 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,928 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,723 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1318% | 2,760 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0230% | 1,434 |
| Percentage Net Loans Charged-off: Credit card loans | -0.2820% | 1,954 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0641% | 3,425 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0147% | 2,385 |
| Percentage Net Loans Charged-off:Construction & development | 0.0417% | 469 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0783% | 2,538 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9450% | 1,414 |
| Percentage Net Loans Charged-off: Credit card loans | -0.3923% | 1,914 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1476% | 1,916 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,437 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4128% | 1,269 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6848% | 649 |
| Percentage Net Loans Charged-off: Credit card loans | -0.6104% | 1,914 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1708% | 1,474 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8159% | 661 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0481% | 6,828 |
| Percentage Net Loans Charged-off: Credit card loans | -1.2780% | 1,914 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0668% | 4,374 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,553 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1783% | 2,895 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2890% | 4,617 |
| 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 | 0.0494% | 1,426 |
| 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 | -0.0270% | 7,947 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,051 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1101% | 7,500 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,710 |
| 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 | 0.0629% | 1,210 |
| 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 | 0.0905% | 3,017 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2742% | 1,797 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2820% | 3,759 |
| 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 | 0.2241% | 1,460 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8160% | 797 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 4,245 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 922 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7535% | 639 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4786% | 349 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.4286% | 169 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6442% | 892 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2468% | 1,579 |
| 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 | 0.8522% | 488 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6386% | 215 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.8549% | 107 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6446% | 748 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5316% | 1,071 |
| 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 | 1.1708% | 342 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9686% | 126 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.7420% | 78 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1858% | 528 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3558% | 1,299 |
| 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 | 1.5984% | 257 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.5987% | 69 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 4.4971% | 38 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2729% | 458 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6152% | 1,139 |
| 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 | 0.0554% | 5,760 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0459% | 2,635 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0407% | 1,329 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1250% | 1,572 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0809% | 435 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1385% | 1,470 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1733% | 8,148 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4227% | 4,610 |
| 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 | 0.3989% | 1,069 |
| 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 | 0.0202% | 6,152 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0077% | 8,182 |
| 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 | -0.0302% | 8,537 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0389% | 8,586 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2329% | 8,186 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3221% | 4,711 |
| 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 | 0.5193% | 868 |
| 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 | 0.0171% | 5,859 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0618% | 1,714 |
| 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 | 0.2372% | 758 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3021% | 631 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2796% | 8,177 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6717% | 2,930 |
| 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 | 0.0538% | 1,277 |
| 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 | -0.0173% | 7,778 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0077% | 8,295 |
| 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 | -0.0287% | 8,611 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0357% | 8,667 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0368% | 7,465 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1070% | 7,977 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2737% | 2,953 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0090% | 8,385 |
| 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 | -0.0333% | 8,751 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0396% | 8,767 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9616% | 1,954 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2661% | 1,789 |
| 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 | 0.0889% | 1,669 |
| 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 | 0.0907% | 5,265 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0569% | 2,265 |
| 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 | 0.1836% | 1,005 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2014% | 914 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1767% | 3,763 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3308% | 5,095 |
| 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 | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0667% | 5,368 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2203% | 2,979 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4511% | 1,641 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4362% | 374 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0968% | 5,835 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0280% | 10,467 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1480% | 4,802 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3583% | 3,650 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0618% | 9,628 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |