Home > The Savannah Bank > Net charge- offs to loans
The Savannah Bank, Net charge- offs to loans
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.4888% | 252 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.6214% | 208 |
| Percentage Net Loans Charged-off:Construction & development | 8.9324% | 308 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4248% | 1,510 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1804% | 5,560 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.0564% | 176 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3478% | 1,086 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7273% | 147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3068% | 1,094 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8941% | 646 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.8941% | 585 |
| 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 | 2.0710% | 391 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.2073% | 321 |
| Percentage Net Loans Charged-off:Construction & development | 7.3783% | 367 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4603% | 1,310 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1767% | 5,566 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4971% | 272 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0051% | 4,966 |
| All other 1-4 family - Percent of loans charged-off, net | 3.1208% | 220 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6646% | 1,526 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7161% | 444 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.7161% | 413 |
| 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 | 2.8554% | 265 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.0889% | 213 |
| Percentage Net Loans Charged-off:Construction & development | 10.9666% | 230 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7611% | 785 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1827% | 5,606 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.1333% | 207 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0101% | 4,988 |
| All other 1-4 family - Percent of loans charged-off, net | 3.9222% | 162 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2003% | 880 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4023% | 6,511 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.4023% | 6,444 |
| 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 | 1.7400% | 864 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8564% | 740 |
| Percentage Net Loans Charged-off:Construction & development | 4.0609% | 1,157 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6843% | 1,653 |
| Percentage Net Loans Charged-off: Multi-family residential | 2.2642% | 417 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.2293% | 467 |
| Percentage Net Loans Charged-off: Home equity loans | 2.0239% | 445 |
| All other 1-4 family - Percent of loans charged-off, net | 2.2901% | 480 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5058% | 2,750 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.5227% | 611 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 2.4456% | 539 |
| 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 | 1.5537% | 919 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7162% | 771 |
| Percentage Net Loans Charged-off:Construction & development | 4.6265% | 926 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2081% | 2,323 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4346% | 390 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1698% | 376 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5152% | 388 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2639% | 2,893 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2812% | 3,327 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2705% | 3,097 |
| 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 | 1.6214% | 904 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7756% | 755 |
| Percentage Net Loans Charged-off:Construction & development | 6.3312% | 671 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1021% | 2,280 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0976% | 501 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1222% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0900% | 507 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3995% | 2,327 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3381% | 2,891 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3208% | 2,662 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.1623% | 1,196 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.3014% | 960 |
| Percentage Net Loans Charged-off:Construction & development | 1.0686% | 1,202 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0057% | 6,818 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.8628% | 329 |
| Percentage Net Loans Charged-off: Home equity loans | 3.8595% | 202 |
| All other 1-4 family - Percent of loans charged-off, net | 2.5446% | 378 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0145% | 5,798 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3299% | 2,513 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.3047% | 2,247 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6765% | 1,295 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.7798% | 1,068 |
| Percentage Net Loans Charged-off:Construction & development | 6.5149% | 971 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3390% | 2,416 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3481% | 1,043 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2353% | 752 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3850% | 1,015 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9996% | 2,542 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3566% | 3,904 |
| 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 | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7793% | 1,094 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8981% | 918 |
| Percentage Net Loans Charged-off:Construction & development | 6.2684% | 912 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3468% | 2,054 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.6393% | 756 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4627% | 607 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6967% | 746 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9610% | 2,274 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4831% | 3,207 |
| 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 | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9048% | 975 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0546% | 823 |
| Percentage Net Loans Charged-off:Construction & development | 6.8902% | 764 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4060% | 1,618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.5983% | 761 |
| Percentage Net Loans Charged-off: Home equity loans | 1.2767% | 606 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7022% | 738 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8032% | 2,214 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6857% | 2,467 |
| 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 | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.9484% | 883 |
| Percentage Net Loans Charged-off: Total real estate loans | 2.0917% | 712 |
| Percentage Net Loans Charged-off:Construction & development | 7.3330% | 591 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.7508% | 633 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5413% | 322 |
| All other 1-4 family - Percent of loans charged-off, net | 1.4970% | 726 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8398% | 1,666 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4708% | 1,342 |
| 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 | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7647% | 2,912 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8266% | 2,175 |
| Percentage Net Loans Charged-off:Construction & development | 1.8138% | 2,164 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1235% | 2,756 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9765% | 1,319 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8577% | 937 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0132% | 1,229 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1975% | 4,493 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0322% | 2,618 |
| 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 | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8278% | 2,310 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9161% | 1,678 |
| Percentage Net Loans Charged-off:Construction & development | 2.0733% | 1,700 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1456% | 2,153 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0138% | 1,070 |
| Percentage Net Loans Charged-off: Home equity loans | 1.0663% | 679 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9976% | 1,039 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1378% | 4,051 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5430% | 3,587 |
| 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 | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8660% | 1,961 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9654% | 1,406 |
| Percentage Net Loans Charged-off:Construction & development | 2.3816% | 1,330 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1154% | 1,787 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0172% | 958 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5177% | 835 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1601% | 846 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1984% | 3,293 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2276% | 4,337 |
| 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 | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6316% | 1,917 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6651% | 1,372 |
| Percentage Net Loans Charged-off:Construction & development | 0.7038% | 1,373 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3018% | 598 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6676% | 469 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3987% | 1,989 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4756% | 3,001 |
| 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 | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4038% | 2,793 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3798% | 2,022 |
| Percentage Net Loans Charged-off:Construction & development | 0.4637% | 2,038 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2541% | 1,274 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4803% | 1,240 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0179% | 1,371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6104% | 968 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6795% | 2,305 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1815% | 5,115 |
| 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 | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4622% | 1,820 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4179% | 1,343 |
| Percentage Net Loans Charged-off:Construction & development | 0.5515% | 1,386 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2141% | 923 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5558% | 841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0241% | 1,070 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7068% | 623 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9227% | 1,404 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2399% | 4,285 |
| 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 | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4151% | 1,622 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3515% | 1,214 |
| Percentage Net Loans Charged-off:Construction & development | 0.6503% | 922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0638% | 1,038 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4254% | 891 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0426% | 5,979 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5566% | 672 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0411% | 1,032 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2416% | 3,844 |
| 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 | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6889% | 765 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5413% | 616 |
| Percentage Net Loans Charged-off:Construction & development | 1.0293% | 442 |
| 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 | 0.7031% | 450 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.9013% | 329 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1589% | 442 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3812% | 2,799 |
| 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 | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1070% | 3,845 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0912% | 2,227 |
| Percentage Net Loans Charged-off:Construction & development | 0.1092% | 1,171 |
| 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 | 0.1671% | 1,398 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7357% | 227 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0218% | 2,704 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1770% | 2,830 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4254% | 3,406 |
| 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 | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1424% | 2,556 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1286% | 1,253 |
| Percentage Net Loans Charged-off:Construction & development | 0.0527% | 856 |
| 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 | 0.3343% | 607 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5473% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0295% | 2,015 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2492% | 2,062 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3020% | 3,560 |
| 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 | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1229% | 2,457 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1075% | 1,159 |
| Percentage Net Loans Charged-off:Construction & development | 0.0249% | 703 |
| 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 | 0.3031% | 579 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3492% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0449% | 1,468 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2906% | 1,614 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1943% | 3,698 |
| 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 | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1775% | 1,529 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1899% | 590 |
| Percentage Net Loans Charged-off:Construction & development | 0.0452% | 363 |
| 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 | 0.5483% | 294 |
| Percentage Net Loans Charged-off: Home equity loans | 2.9105% | 35 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,846 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2252% | 3,012 |
| 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 | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0883% | 3,506 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0849% | 1,477 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2550% | 668 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3162% | 531 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,710 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4797% | 2,980 |
| 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 | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0905% | 2,888 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0897% | 1,158 |
| 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 | 0.2666% | 532 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3311% | 413 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,095 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3871% | 3,021 |
| 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 | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0025% | 6,906 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0005% | 7,426 |
| 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 | -0.0013% | 7,680 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0016% | 7,701 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,652 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0989% | 7,318 |
| 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 | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0017% | 4,356 |
| 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 | 0.0000% | 1,732 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0828% | 3,592 |
| 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 | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0152% | 5,869 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0112% | 3,022 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0008% | 7,888 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0331% | 2,305 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0424% | 2,042 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0175% | 7,150 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2611% | 4,770 |
| 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% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0060% | 5,850 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0003% | 7,434 |
| 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 | -0.0009% | 7,733 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0012% | 7,740 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0243% | 7,047 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3362% | 3,879 |
| 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 | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0091% | 5,230 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,541 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4100% | 3,203 |
| 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 | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0009% | 4,713 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 1,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0414% | 4,191 |
| 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 | 0.0275% | 5,885 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,891 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,241 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4084% | 2,370 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1049% | 6,003 |
| 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 | 0.0389% | 4,995 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,318 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5479% | 1,682 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1624% | 5,180 |
| 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 | 0.0613% | 4,113 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8082% | 1,220 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2583% | 4,306 |
| 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 | 0.1403% | 2,433 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0369% | 519 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1079% | 4,367 |
| 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 | 0.0815% | 5,177 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0098% | 3,626 |
| 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 | 0.0270% | 2,771 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0338% | 2,524 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6648% | 2,243 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4155% | 4,650 |
| 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 | 0.0715% | 4,872 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0135% | 2,960 |
| 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 | 0.0376% | 2,122 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0474% | 1,915 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4201% | 2,409 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5800% | 3,491 |
| 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 | 0.0789% | 4,337 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0208% | 2,333 |
| 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 | 0.0576% | 1,593 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0726% | 1,435 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3962% | 2,197 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6320% | 3,087 |
| 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 | 0.0776% | 3,691 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0423% | 1,499 |
| 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 | 0.1157% | 959 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1459% | 833 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3481% | 1,629 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2520% | 4,052 |
| 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 | 0.0728% | 5,677 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0091% | 3,749 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0215% | 1,407 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0015% | 8,273 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0073% | 5,946 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,246 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1352% | 4,078 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0952% | 2,133 |
| 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 | 0.0647% | 5,788 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0541% | 2,304 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0123% | 1,355 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1307% | 1,289 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1616% | 1,089 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0797% | 8,363 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5604% | 3,868 |
| 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 | 0.0857% | 4,923 |
| 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 | 0.0479% | 6,122 |
| 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 | 0.0865% | 5,434 |
| 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 | 0.0628% | 6,360 |
| 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 | 0.0197% | 7,991 |
| 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 | 0.0145% | 8,233 |
| 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 | 0.0105% | 8,480 |
| 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 | 0.1028% | 7,054 |
| 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 | 0.0000% | 11,197 |
| 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 |