Home > First American Bank > Net charge- offs to loans
First American Bank, Net charge- offs to loans
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3605% | 1,432 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3913% | 819 |
| Percentage Net Loans Charged-off:Construction & development | 0.9290% | 463 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1403% | 534 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2509% | 950 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3884% | 681 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3952% | 1,286 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7544% | 1,911 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5329% | 722 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0466% | 974 |
| 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 | 0.0481% | 5,029 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0337% | 3,185 |
| Percentage Net Loans Charged-off:Construction & development | 0.0189% | 1,478 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0004% | 1,676 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0825% | 2,059 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1337% | 656 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0525% | 2,276 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0029% | 3,933 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1965% | 4,602 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3239% | 805 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1589% | 1,248 |
| 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 | 0.0358% | 4,550 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0238% | 2,581 |
| Percentage Net Loans Charged-off:Construction & development | 0.0262% | 968 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0024% | 7,770 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0437% | 1,963 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1128% | 521 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0026% | 2,448 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0099% | 6,810 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0418% | 5,036 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8634% | 864 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1464% | 1,106 |
| 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 | 0.0326% | 4,113 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0259% | 2,059 |
| Percentage Net Loans Charged-off:Construction & development | 0.0371% | 664 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0014% | 7,778 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0357% | 1,670 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1085% | 404 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0090% | 7,736 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0103% | 6,731 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0591% | 7,156 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4805% | 887 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1197% | 1,051 |
| 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 | 0.0229% | 3,629 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0245% | 1,487 |
| Percentage Net Loans Charged-off:Construction & development | 0.0783% | 329 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0028% | 7,902 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0164% | 7,883 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0252% | 5,972 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0109% | 7,785 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0108% | 6,714 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5084% | 7,927 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1920% | 1,794 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1165% | 792 |
| 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 | 0.0313% | 4,925 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0024% | 3,329 |
| Percentage Net Loans Charged-off:Construction & development | 0.0004% | 830 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0199% | 7,975 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0228% | 2,415 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0095% | 684 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0324% | 2,106 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0586% | 3,233 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5309% | 2,742 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5173% | 734 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1054% | 1,238 |
| 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 | 0.0441% | 3,899 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0065% | 2,657 |
| Percentage Net Loans Charged-off:Construction & development | 0.0005% | 617 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0060% | 7,891 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0236% | 2,004 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0125% | 523 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0320% | 1,754 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1285% | 2,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6060% | 2,178 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9089% | 858 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1184% | 1,085 |
| 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 | 0.0249% | 4,131 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0085% | 2,198 |
| Percentage Net Loans Charged-off:Construction & development | 0.0011% | 460 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0067% | 7,977 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0293% | 1,612 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0123% | 409 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0426% | 1,388 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1514% | 1,859 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1183% | 4,146 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7378% | 839 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0200% | 1,165 |
| 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 | 0.0087% | 4,014 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0153% | 1,389 |
| Percentage Net Loans Charged-off:Construction & development | 0.0022% | 263 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0095% | 8,063 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0506% | 966 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0052% | 5,939 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0956% | 748 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0585% | 7,109 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1028% | 3,516 |
| Percentage Net Loans Charged-off: Credit card loans | -0.0911% | 1,832 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0028% | 907 |
| 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 | 0.0250% | 5,502 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0294% | 2,426 |
| Percentage Net Loans Charged-off:Construction & development | -0.0007% | 7,671 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0476% | 988 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0424% | 2,142 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0883% | 438 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0026% | 2,800 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1621% | 7,736 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6879% | 2,760 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7638% | 903 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0126% | 1,566 |
| 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 | 0.0263% | 4,978 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0128% | 2,556 |
| Percentage Net Loans Charged-off:Construction & development | -0.0007% | 7,674 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0157% | 943 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0223% | 2,148 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0597% | 411 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0105% | 7,932 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0613% | 2,996 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4577% | 3,283 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2700% | 953 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0136% | 1,357 |
| 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 | 0.0267% | 4,550 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0104% | 2,254 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0116% | 735 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0182% | 1,868 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0523% | 354 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0123% | 7,955 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0054% | 2,843 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5129% | 2,816 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1043% | 919 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0485% | 1,048 |
| 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 | 0.0199% | 3,993 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0175% | 1,518 |
| 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 | 0.0490% | 1,150 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1117% | 216 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0121% | 8,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0581% | 7,235 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2006% | 3,582 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3569% | 713 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0495% | 786 |
| 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 | 0.0518% | 5,236 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0261% | 8,342 |
| Percentage Net Loans Charged-off:Construction & development | -0.0068% | 7,838 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0948% | 8,483 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0287% | 2,548 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0619% | 479 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0022% | 7,893 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0453% | 7,479 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7669% | 2,750 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4107% | 831 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3205% | 963 |
| 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 | 0.0421% | 4,907 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0400% | 8,448 |
| Percentage Net Loans Charged-off:Construction & development | -0.0091% | 7,850 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1272% | 8,556 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0244% | 2,234 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0655% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0119% | 8,090 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0912% | 7,556 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6066% | 2,979 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4084% | 781 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3895% | 789 |
| 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 | -0.0073% | 7,490 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0846% | 8,621 |
| Percentage Net Loans Charged-off:Construction & development | -0.0138% | 7,843 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2210% | 8,652 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0037% | 7,964 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0213% | 394 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0252% | 8,295 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0831% | 7,464 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7536% | 2,427 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8045% | 691 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2375% | 812 |
| 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 | 0.0552% | 3,615 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0063% | 8,012 |
| Percentage Net Loans Charged-off:Construction & development | -0.0277% | 7,853 |
| 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 | 0.0050% | 1,554 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0443% | 247 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0275% | 8,371 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0912% | 7,510 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1643% | 1,581 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7696% | 498 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1749% | 695 |
| 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 | 0.1078% | 4,648 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1054% | 1,775 |
| Percentage Net Loans Charged-off:Construction & development | 0.0165% | 769 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2071% | 808 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0710% | 2,073 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1610% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0186% | 2,800 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3361% | 8,337 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1547% | 6,139 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4104% | 1,388 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4003% | 1,067 |
| 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 | 0.1580% | 3,438 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1489% | 1,176 |
| Percentage Net Loans Charged-off:Construction & development | 0.0242% | 597 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2547% | 594 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1363% | 1,234 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3064% | 188 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0452% | 1,947 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2863% | 8,265 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2673% | 5,039 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4314% | 1,298 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4733% | 909 |
| 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 | 0.2412% | 2,435 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2055% | 838 |
| Percentage Net Loans Charged-off:Construction & development | 0.0380% | 453 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4666% | 362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0583% | 1,589 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0735% | 305 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0508% | 1,618 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0619% | 3,252 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4669% | 3,706 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1081% | 995 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5005% | 787 |
| 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 | 0.4451% | 1,246 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3454% | 454 |
| Percentage Net Loans Charged-off:Construction & development | 0.1509% | 232 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7185% | 205 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1012% | 1,015 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1536% | 165 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0764% | 1,081 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5901% | 1,335 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8016% | 2,373 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4854% | 816 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8065% | 496 |
| 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 | -0.0344% | 8,824 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0349% | 8,752 |
| Percentage Net Loans Charged-off:Construction & development | -0.0597% | 8,111 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1523% | 8,883 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0967% | 1,705 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1470% | 357 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0767% | 1,890 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.5046% | 8,595 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.5717% | 9,075 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7107% | 1,032 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6209% | 927 |
| 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 | 0.1120% | 4,888 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1138% | 1,518 |
| Percentage Net Loans Charged-off:Construction & development | 0.0449% | 693 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2489% | 652 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0444% | 2,195 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0373% | 517 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0473% | 2,065 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0274% | 8,971 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.2538% | 9,218 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6215% | 1,423 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8005% | 469 |
| 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 | 0.1940% | 3,225 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0092% | 778 |
| Percentage Net Loans Charged-off:Construction & development | 0.0914% | 146 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0152% | 1,331 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0037% | 1,343 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0038% | 1,302 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0036% | 1,340 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4466% | 488 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1071% | 364 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0894% | 479 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3382% | 194 |
| 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 | 0.1615% | 3,725 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1231% | 220 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0158% | 1,254 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2918% | 97 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4339% | 65 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1185% | 767 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6219% | 699 |
| Percentage Net Loans Charged-off: Credit card loans | 0.1059% | 974 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3220% | 2,314 |
| 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 | 0.7890% | 834 |
| 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 | 0.3053% | 2,932 |
| 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 | 0.2603% | 3,172 |
| 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 | 0.1033% | 5,650 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2577% | 4,691 |
| 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 | 0.4441% | 4,695 |
| 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 |