Home > The Peoples National Bank > Net charge- offs to loans
The Peoples National Bank, Net charge- offs to loans
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7478% | 1,364 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8551% | 1,076 |
| Percentage Net Loans Charged-off:Construction & development | 0.5779% | 1,100 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0563% | 1,556 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6219% | 502 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3110% | 409 |
| All other 1-4 family - Percent of loans charged-off, net | 1.8608% | 449 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1233% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5803% | 1,666 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5803% | 1,518 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6030% | 988 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7413% | 824 |
| Percentage Net Loans Charged-off:Construction & development | 4.6815% | 1,041 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3546% | 2,295 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8502% | 600 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5758% | 1,152 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8145% | 352 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1388% | 1,848 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4229% | 3,055 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3936% | 2,880 |
| 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 | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.4238% | 1,040 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4945% | 919 |
| Percentage Net Loans Charged-off:Construction & development | 2.9772% | 1,276 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2008% | 2,345 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.1240% | 473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4271% | 1,167 |
| All other 1-4 family - Percent of loans charged-off, net | 3.4068% | 271 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3750% | 1,445 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3850% | 2,956 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3518% | 2,757 |
| 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 | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.9596% | 1,631 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8698% | 1,579 |
| Percentage Net Loans Charged-off:Construction & development | 2.5859% | 1,230 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0056% | 2,628 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9561% | 1,210 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2233% | 1,213 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5020% | 774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.8249% | 1,094 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5251% | 2,373 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4664% | 2,196 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1573% | 1,199 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.1151% | 1,103 |
| Percentage Net Loans Charged-off:Construction & development | 3.2944% | 794 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0055% | 6,815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.2186% | 820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4419% | 762 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7932% | 565 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6875% | 938 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8710% | 1,510 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.7342% | 1,378 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9068% | 1,079 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.9668% | 954 |
| Percentage Net Loans Charged-off:Construction & development | 5.5415% | 1,126 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9065% | 1,389 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0484% | 1,334 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5470% | 1,215 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3846% | 1,016 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2012% | 1,487 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0354% | 6,853 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 19.9467% | 50 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1686% | 847 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2906% | 719 |
| Percentage Net Loans Charged-off:Construction & development | 6.6025% | 869 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1998% | 980 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9135% | 1,350 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3095% | 1,311 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3084% | 961 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1284% | 1,394 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0464% | 6,818 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 25.4988% | 37 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4157% | 724 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3072% | 699 |
| Percentage Net Loans Charged-off:Construction & development | 7.5184% | 681 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7421% | 1,217 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7274% | 1,499 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4666% | 995 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8970% | 1,245 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0934% | 707 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0344% | 4,565 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 32.0282% | 22 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.3902% | 427 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.4568% | 385 |
| Percentage Net Loans Charged-off:Construction & development | 13.1065% | 320 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2571% | 1,363 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3695% | 1,795 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9350% | 574 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,950 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.1047% | 615 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4134% | 2,819 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 62.4390% | 8 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9418% | 1,278 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0917% | 996 |
| Percentage Net Loans Charged-off:Construction & development | 5.4880% | 1,137 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3790% | 1,992 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0345% | 1,271 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9979% | 856 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0555% | 1,189 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3056% | 2,518 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3668% | 2,079 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.9362% | 150 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0616% | 946 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3970% | 666 |
| Percentage Net Loans Charged-off:Construction & development | 6.5195% | 766 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4149% | 1,499 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8857% | 1,188 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3509% | 575 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6260% | 1,461 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2766% | 3,663 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6588% | 3,252 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0112% | 920 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.3086% | 648 |
| Percentage Net Loans Charged-off:Construction & development | 6.3390% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4437% | 1,108 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5568% | 1,470 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1540% | 1,135 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7767% | 1,118 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4357% | 2,783 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8835% | 2,537 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 118 |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 3.3019% | 378 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.7942% | 254 |
| Percentage Net Loans Charged-off:Construction & development | 10.4006% | 300 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9888% | 458 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4208% | 1,372 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3220% | 669 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4723% | 1,200 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7661% | 1,601 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1517% | 1,862 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 81 |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.5221% | 375 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.5243% | 289 |
| Percentage Net Loans Charged-off:Construction & development | 5.7251% | 431 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1308% | 457 |
| 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 | 3.1534% | 664 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7523% | 2,899 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 112 |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9070% | 384 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6966% | 339 |
| Percentage Net Loans Charged-off:Construction & development | 3.2826% | 482 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3484% | 260 |
| 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 | 3.6590% | 396 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9362% | 1,993 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5810% | 1,206 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6670% | 722 |
| Percentage Net Loans Charged-off:Construction & development | 1.6727% | 561 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0057% | 7,774 |
| 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 | -0.0223% | 6,948 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1833% | 1,435 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8248% | 642 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9817% | 352 |
| Percentage Net Loans Charged-off:Construction & development | 2.3691% | 270 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0178% | 749 |
| 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 | -0.0114% | 6,781 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3927% | 2,764 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2475% | 2,219 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1278% | 1,841 |
| Percentage Net Loans Charged-off:Construction & development | 0.0827% | 1,231 |
| 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 | 0.3297% | 819 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1484% | 626 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4173% | 638 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9633% | 1,204 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7734% | 2,147 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2659% | 1,514 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1106% | 1,389 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| 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 | 0.3833% | 510 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5719% | 334 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2663% | 771 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5877% | 2,360 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3942% | 917 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1498% | 925 |
| 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 | 0.5109% | 359 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7666% | 228 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9473% | 494 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9552% | 1,358 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2617% | 1,139 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2955% | 424 |
| 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 | 0.9891% | 160 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 1.5020% | 107 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0423% | 7,045 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8001% | 1,547 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2147% | 1,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1890% | 769 |
| Percentage Net Loans Charged-off:Construction & development | 0.2170% | 353 |
| 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 | 0.3485% | 481 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2656% | 69 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1922% | 8,371 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4133% | 1,808 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3144% | 3,812 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1677% | 1,862 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1553% | 730 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5024% | 276 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7644% | 37 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2569% | 8,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2871% | 1,727 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1755% | 4,158 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1803% | 1,640 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2271% | 489 |
| 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 | 0.7376% | 170 |
| Percentage Net Loans Charged-off: Home equity loans | 2.6281% | 24 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4326% | 8,495 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2565% | 7,819 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1186% | 1,910 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1303% | 616 |
| 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 | 0.4248% | 281 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1114% | 55 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3272% | 2,638 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1925% | 2,387 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1459% | 949 |
| 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 | 0.4340% | 360 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1475% | 71 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0041% | 6,994 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6963% | 879 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1659% | 1,148 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1255% | 2,776 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0649% | 1,479 |
| 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 | 0.1879% | 765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5006% | 113 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,434 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,394 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5410% | 903 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2159% | 942 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1078% | 2,764 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1003% | 1,037 |
| 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 | 0.2840% | 510 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7677% | 80 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6231% | 2,439 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1681% | 1,812 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1622% | 603 |
| 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 | 0.4459% | 311 |
| Percentage Net Loans Charged-off: Home equity loans | 1.1943% | 56 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8377% | 1,784 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.1796% | 2,984 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0831% | 1,787 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2191% | 889 |
| Percentage Net Loans Charged-off: Home equity loans | 0.9510% | 87 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1395% | 8,618 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6020% | 1,923 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6352% | 3,232 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| 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 | 0.1726% | 2,607 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0512% | 1,926 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1339% | 1,126 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8171% | 91 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1856% | 8,669 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6962% | 1,443 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7037% | 2,659 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1150% | 3,158 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0526% | 8,505 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1392% | 8,686 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0483% | 353 |
| All other 1-4 family - Percent of loans charged-off, net | -0.2276% | 8,739 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0117% | 1,035 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1867% | 4,686 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2363% | 1,757 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1041% | 8,692 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.2701% | 8,792 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0250% | 5,914 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3795% | 8,813 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0352% | 521 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1655% | 4,099 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.2427% | 2,958 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2350% | 960 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4890% | 461 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0202% | 6,002 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6198% | 362 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0832% | 4,209 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8976% | 2,660 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,856 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0716% | 4,870 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0017% | 7,933 |
| 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 | -0.0034% | 8,182 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0182% | 5,955 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,778 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1142% | 3,486 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1003% | 1,942 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0797% | 4,320 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0012% | 7,928 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0023% | 8,172 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0138% | 5,917 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2069% | 2,670 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0723% | 1,923 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,407 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0908% | 3,499 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0025% | 8,097 |
| 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 | -0.0045% | 8,336 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0281% | 5,885 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,550 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7373% | 1,082 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0556% | 6,001 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0171% | 3,413 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0062% | 8,544 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0347% | 2,569 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0306% | 5,983 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0491% | 2,225 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0676% | 4,449 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5148% | 4,246 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3882% | 2,112 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1028% | 1,635 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2067% | 716 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0990% | 1,541 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4803% | 195 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0111% | 2,785 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1775% | 906 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5877% | 3,732 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 2,107 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1820% | 3,390 |
| 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 | 0.0858% | 5,140 |
| 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 | 0.1136% | 4,832 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1328% | 4,869 |
| 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 | 0.2778% | 3,183 |
| 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 | 0.1066% | 5,473 |
| 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 | 0.0543% | 6,894 |
| 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 | 0.1373% | 6,377 |
| 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 | 0.6810% | 3,215 |
| 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 |