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First Federal Bank, Net charge- offs to loans

2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2459%1,346
Percentage Net Loans Charged-off: Total real estate loans0.0518%1,140
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0735%1,006
Percentage Net Loans Charged-off: Home equity loans0.4174%115
All other 1-4 family - Percent of loans charged-off, net-0.0027%7,916
Percentage Net Loans Charged-off: Commercial and industrial0.6549%896
Percentage Net Loans Charged-off: Loans to individuals0.5607%2,400
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%839
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6503%785
Percentage Net Loans Charged-off: Total real estate loans0.1022%1,561
Percentage Net Loans Charged-off:Construction & development0.7842%167
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residential2.4790%49
Percentage Net Loans Charged-off: 1-4 family residential0.0633%2,009
Percentage Net Loans Charged-off: Home equity loans0.2725%242
All other 1-4 family - Percent of loans charged-off, net0.0199%2,605
Percentage Net Loans Charged-off: Commercial and industrial0.4430%2,276
Percentage Net Loans Charged-off: Loans to individuals1.8552%864
Percentage Net Loans Charged-off: Credit card loans0.0000%1,629
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.7950%533
Percentage Net Loans Charged-off: Total real estate loans0.1519%1,006
Percentage Net Loans Charged-off:Construction & development0.9602%129
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential3.2919%38
Percentage Net Loans Charged-off: 1-4 family residential0.1073%1,306
Percentage Net Loans Charged-off: Home equity loans0.2493%212
All other 1-4 family - Percent of loans charged-off, net0.0785%1,511
Percentage Net Loans Charged-off: Commercial and industrial0.5413%1,693
Percentage Net Loans Charged-off: Loans to individuals2.1772%619
Percentage Net Loans Charged-off: Credit card loans0.0000%1,504
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0631%394
Percentage Net Loans Charged-off: Total real estate loans0.1924%781
Percentage Net Loans Charged-off:Construction & development1.2595%98
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential4.8468%26
Percentage Net Loans Charged-off: 1-4 family residential0.1123%1,156
Percentage Net Loans Charged-off: Home equity loans0.2771%176
All other 1-4 family - Percent of loans charged-off, net0.0797%1,303
Percentage Net Loans Charged-off: Commercial and industrial0.7646%1,264
Percentage Net Loans Charged-off: Loans to individuals2.8493%437
Percentage Net Loans Charged-off: Credit card loans0.0000%1,362
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5318%867
Percentage Net Loans Charged-off: Total real estate loans0.3852%366
Percentage Net Loans Charged-off:Construction & development2.0837%66
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential9.3971%11
Percentage Net Loans Charged-off: 1-4 family residential0.2295%615
Percentage Net Loans Charged-off: Home equity loans0.5620%85
All other 1-4 family - Percent of loans charged-off, net0.1659%714
Percentage Net Loans Charged-off: Commercial and industrial1.6082%609
Percentage Net Loans Charged-off: Loans to individuals0.5243%2,865
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4578%1,611
Percentage Net Loans Charged-off: Total real estate loans0.2116%1,055
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.1367%977
Percentage Net Loans Charged-off: Multi-family residential0.3022%106
Percentage Net Loans Charged-off: 1-4 family residential0.2462%941
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.2775%869
Percentage Net Loans Charged-off: Commercial and industrial0.6672%2,238
Percentage Net Loans Charged-off: Loans to individuals0.9873%2,395
Percentage Net Loans Charged-off: Credit card loans3.4298%738
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4314%1,494
Percentage Net Loans Charged-off: Total real estate loans0.2020%918
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.1785%709
Percentage Net Loans Charged-off: Multi-family residential0.4057%70
Percentage Net Loans Charged-off: 1-4 family residential0.2184%879
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.2437%809
Percentage Net Loans Charged-off: Commercial and industrial0.8673%1,569
Percentage Net Loans Charged-off: Loans to individuals0.8723%2,508
Percentage Net Loans Charged-off: Credit card loans3.1819%778
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4082%1,519
Percentage Net Loans Charged-off: Total real estate loans0.2794%641
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.2611%503
Percentage Net Loans Charged-off: Multi-family residential0.6205%47
Percentage Net Loans Charged-off: 1-4 family residential0.2951%637
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.3263%592
Percentage Net Loans Charged-off: Commercial and industrial0.5193%1,910
Percentage Net Loans Charged-off: Loans to individuals0.7281%2,753
Percentage Net Loans Charged-off: Credit card loans4.5599%502
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4984%1,097
Percentage Net Loans Charged-off: Total real estate loans0.4122%379
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.5052%257
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.4042%417
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.4429%383
Percentage Net Loans Charged-off: Commercial and industrial0.8924%1,101
Percentage Net Loans Charged-off: Loans to individuals0.5965%2,898
Percentage Net Loans Charged-off: Credit card loans6.9277%292
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4173%1,995
Percentage Net Loans Charged-off: Total real estate loans0.0702%2,197
Percentage Net Loans Charged-off:Construction & development0.0000%875
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential5.2059%34
Percentage Net Loans Charged-off: 1-4 family residential0.0251%2,772
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0266%2,634
Percentage Net Loans Charged-off: Commercial and industrial0.9464%1,974
Percentage Net Loans Charged-off: Loans to individuals1.4894%1,391
Percentage Net Loans Charged-off: Credit card loans0.2228%1,926
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4940%1,654
Percentage Net Loans Charged-off: Total real estate loans0.1256%1,421
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.1529%1,150
Percentage Net Loans Charged-off: Home equity loans0.2408%282
All other 1-4 family - Percent of loans charged-off, net0.1498%1,146
Percentage Net Loans Charged-off: Commercial and industrial4.3755%416
Percentage Net Loans Charged-off: Loans to individuals0.4153%4,585
Percentage Net Loans Charged-off: Credit card loans0.8305%1,801
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0768%5,118
Percentage Net Loans Charged-off: Total real estate loans0.0425%468
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0489%438
Percentage Net Loans Charged-off: Home equity loans0.3025%100
All other 1-4 family - Percent of loans charged-off, net0.0415%455
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,037
Percentage Net Loans Charged-off: Loans to individuals0.3126%981
Percentage Net Loans Charged-off: Credit card loans0.0000%977
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0303%6,692
Percentage Net Loans Charged-off: Total real estate loans0.0154%757
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0000%415
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0172%776
Percentage Net Loans Charged-off: Home equity loans0.3036%106
All other 1-4 family - Percent of loans charged-off, net0.0084%831
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,003
Percentage Net Loans Charged-off: Loans to individuals0.1252%1,239
Percentage Net Loans Charged-off: Credit card loans0.0000%985
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0396%6,678
Percentage Net Loans Charged-off: Total real estate loans0.0247%653
Percentage Net Loans Charged-off:Construction & development1.1334%23
Percentage Net Loans Charged-off: Commercial real estate0.0000%457
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0043%870
Percentage Net Loans Charged-off: Home equity loans0.0775%266
All other 1-4 family - Percent of loans charged-off, net0.0011%868
Percentage Net Loans Charged-off: Commercial and industrial0.2518%555
Percentage Net Loans Charged-off: Loans to individuals0.0496%1,279
Percentage Net Loans Charged-off: Credit card loans-0.0670%1,256
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0782%5,991
Percentage Net Loans Charged-off: Total real estate loans0.0194%752
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate0.0000%477
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0205%762
Percentage Net Loans Charged-off: Home equity loans0.1677%198
All other 1-4 family - Percent of loans charged-off, net0.0136%772
Percentage Net Loans Charged-off: Commercial and industrial0.7665%236
Percentage Net Loans Charged-off: Loans to individuals0.1586%1,189
Percentage Net Loans Charged-off: Credit card loans0.0000%985
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%386
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0146%8,187
Percentage Net Loans Charged-off: Total real estate loans0.0080%924
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.0000%559
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0086%906
Percentage Net Loans Charged-off: Home equity loans0.0256%365
All other 1-4 family - Percent of loans charged-off, net0.0078%873
Percentage Net Loans Charged-off: Commercial and industrial0.0000%891
Percentage Net Loans Charged-off: Loans to individuals0.0431%1,336
Percentage Net Loans Charged-off: Credit card loans0.0000%1,056
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0387%7,300
Percentage Net Loans Charged-off: Total real estate loans0.0070%959
Percentage Net Loans Charged-off:Construction & development0.1657%225
Percentage Net Loans Charged-off: Commercial real estate0.0000%615
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,034
Percentage Net Loans Charged-off: Home equity loans0.0000%403
All other 1-4 family - Percent of loans charged-off, net0.0000%989
Percentage Net Loans Charged-off: Commercial and industrial0.0000%798
Percentage Net Loans Charged-off: Loans to individuals0.1830%1,140
Percentage Net Loans Charged-off: Credit card loans0.0000%1,020
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%433
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0037%8,807
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0841%7,442
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1240%8,439
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA