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Heartland Bank, Net charge- offs to loans

2014-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%4,970
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,949
Percentage Net Loans Charged-off:Construction & development0.0000%1,139
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,194
Percentage Net Loans Charged-off: Multi-family residential0.0000%420
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,589
Percentage Net Loans Charged-off: Home equity loans0.0000%1,143
All other 1-4 family - Percent of loans charged-off, net0.0000%3,439
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,737
Percentage Net Loans Charged-off: Loans to individuals0.0000%3,910
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.0000%3,787
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,537
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%54
2014-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.3506%6,415
Percentage Net Loans Charged-off: Total real estate loans-0.7165%6,466
Percentage Net Loans Charged-off:Construction & development-3.1855%5,922
Percentage Net Loans Charged-off: Commercial real estate-0.2850%6,247
Percentage Net Loans Charged-off: Multi-family residential-0.6894%5,176
Percentage Net Loans Charged-off: 1-4 family residential-0.2492%6,317
Percentage Net Loans Charged-off: Home equity loans0.0318%980
All other 1-4 family - Percent of loans charged-off, net-0.4230%6,372
Percentage Net Loans Charged-off: Commercial and industrial-0.2207%5,679
Percentage Net Loans Charged-off: Loans to individuals0.6838%1,267
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.6841%1,164
Percentage Net Loans Charged-off: All other loans and lease0.2077%794
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%48
2014-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.4462%6,497
Percentage Net Loans Charged-off: Total real estate loans-0.8924%6,533
Percentage Net Loans Charged-off:Construction & development-4.8483%5,979
Percentage Net Loans Charged-off: Commercial real estate-0.4023%6,355
Percentage Net Loans Charged-off: Multi-family residential-0.7394%5,203
Percentage Net Loans Charged-off: 1-4 family residential0.0408%2,494
Percentage Net Loans Charged-off: Home equity loans0.0475%800
All other 1-4 family - Percent of loans charged-off, net0.0365%2,409
Percentage Net Loans Charged-off: Commercial and industrial-0.1432%5,513
Percentage Net Loans Charged-off: Loans to individuals0.3132%1,984
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.3132%1,854
Percentage Net Loans Charged-off: All other loans and lease0.1581%797
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%34
2014-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.8807%6,616
Percentage Net Loans Charged-off: Total real estate loans-1.6286%6,618
Percentage Net Loans Charged-off:Construction & development-10.1972%6,034
Percentage Net Loans Charged-off: Commercial real estate-0.9956%6,497
Percentage Net Loans Charged-off: Multi-family residential0.0000%176
Percentage Net Loans Charged-off: 1-4 family residential0.2374%1,085
Percentage Net Loans Charged-off: Home equity loans0.0000%600
All other 1-4 family - Percent of loans charged-off, net0.3884%774
Percentage Net Loans Charged-off: Commercial and industrial-0.3559%5,947
Percentage Net Loans Charged-off: Loans to individuals2.5566%319
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual2.5566%283
Percentage Net Loans Charged-off: All other loans and lease0.1759%615
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2013-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.2948%395
Percentage Net Loans Charged-off: Total real estate loans0.9596%502
Percentage Net Loans Charged-off:Construction & development3.5065%368
Percentage Net Loans Charged-off: Commercial real estate2.2618%208
Percentage Net Loans Charged-off: Multi-family residential-0.0575%5,232
Percentage Net Loans Charged-off: 1-4 family residential-0.8494%6,665
Percentage Net Loans Charged-off: Home equity loans0.2565%959
All other 1-4 family - Percent of loans charged-off, net-1.4165%6,673
Percentage Net Loans Charged-off: Commercial and industrial5.5393%172
Percentage Net Loans Charged-off: Loans to individuals2.4318%374
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual2.4318%338
Percentage Net Loans Charged-off: All other loans and lease0.4094%732
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%77
2013-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.1827%462
Percentage Net Loans Charged-off: Total real estate loans0.7437%685
Percentage Net Loans Charged-off:Construction & development0.0000%1,483
Percentage Net Loans Charged-off: Commercial real estate2.8460%165
Percentage Net Loans Charged-off: Multi-family residential-0.0773%5,299
Percentage Net Loans Charged-off: 1-4 family residential-1.1971%6,744
Percentage Net Loans Charged-off: Home equity loans0.3365%789
All other 1-4 family - Percent of loans charged-off, net-1.9555%6,753
Percentage Net Loans Charged-off: Commercial and industrial5.4986%178
Percentage Net Loans Charged-off: Loans to individuals2.8318%295
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual2.8318%273
Percentage Net Loans Charged-off: All other loans and lease0.5356%598
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%67
2013-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.6183%310
Percentage Net Loans Charged-off: Total real estate loans0.9575%566
Percentage Net Loans Charged-off:Construction & development0.0000%1,279
Percentage Net Loans Charged-off: Commercial real estate4.6342%86
Percentage Net Loans Charged-off: Multi-family residential-0.0845%5,309
Percentage Net Loans Charged-off: 1-4 family residential-1.8152%6,803
Percentage Net Loans Charged-off: Home equity loans0.1738%888
All other 1-4 family - Percent of loans charged-off, net-2.7747%6,802
Percentage Net Loans Charged-off: Commercial and industrial8.2886%102
Percentage Net Loans Charged-off: Loans to individuals3.0076%297
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual3.0076%271
Percentage Net Loans Charged-off: All other loans and lease0.3930%615
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%58
2013-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-1.1858%6,939
Percentage Net Loans Charged-off: Total real estate loans-1.8274%6,917
Percentage Net Loans Charged-off:Construction & development0.0000%915
Percentage Net Loans Charged-off: Commercial real estate0.2403%932
Percentage Net Loans Charged-off: Multi-family residential-0.1677%5,366
Percentage Net Loans Charged-off: 1-4 family residential-4.4856%6,889
Percentage Net Loans Charged-off: Home equity loans0.0414%746
All other 1-4 family - Percent of loans charged-off, net-6.7220%6,884
Percentage Net Loans Charged-off: Commercial and industrial-0.0974%5,591
Percentage Net Loans Charged-off: Loans to individuals2.1561%474
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual2.1561%425
Percentage Net Loans Charged-off: All other loans and lease0.1719%682
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%43
2012-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.8992%403
Percentage Net Loans Charged-off: Total real estate loans2.1570%292
Percentage Net Loans Charged-off:Construction & development4.8332%581
Percentage Net Loans Charged-off: Commercial real estate1.9193%421
Percentage Net Loans Charged-off: Multi-family residential2.8301%260
Percentage Net Loans Charged-off: 1-4 family residential1.5530%516
Percentage Net Loans Charged-off: Home equity loans0.9450%685
All other 1-4 family - Percent of loans charged-off, net1.8711%418
Percentage Net Loans Charged-off: Commercial and industrial3.0160%557
Percentage Net Loans Charged-off: Loans to individuals4.1918%253
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual4.1918%244
Percentage Net Loans Charged-off: All other loans and lease0.2564%972
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%125
2012-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.3617%675
Percentage Net Loans Charged-off: Total real estate loans1.3387%652
Percentage Net Loans Charged-off:Construction & development3.0944%798
Percentage Net Loans Charged-off: Commercial real estate0.6967%1,120
Percentage Net Loans Charged-off: Multi-family residential-0.2118%5,567
Percentage Net Loans Charged-off: 1-4 family residential1.7487%423
Percentage Net Loans Charged-off: Home equity loans1.5796%395
All other 1-4 family - Percent of loans charged-off, net1.8389%419
Percentage Net Loans Charged-off: Commercial and industrial3.3242%474
Percentage Net Loans Charged-off: Loans to individuals3.1651%351
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual3.1651%331
Percentage Net Loans Charged-off: All other loans and lease0.1095%1,101
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%111
2012-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.6303%569
Percentage Net Loans Charged-off: Total real estate loans1.6073%557
Percentage Net Loans Charged-off:Construction & development4.5821%559
Percentage Net Loans Charged-off: Commercial real estate0.0940%2,078
Percentage Net Loans Charged-off: Multi-family residential-0.5621%5,605
Percentage Net Loans Charged-off: 1-4 family residential2.3216%304
Percentage Net Loans Charged-off: Home equity loans1.4153%436
All other 1-4 family - Percent of loans charged-off, net2.8126%252
Percentage Net Loans Charged-off: Commercial and industrial3.8017%433
Percentage Net Loans Charged-off: Loans to individuals3.9716%279
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual3.9716%265
Percentage Net Loans Charged-off: All other loans and lease0.1756%881
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%96
2012-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0452%995
Percentage Net Loans Charged-off: Total real estate loans1.3506%682
Percentage Net Loans Charged-off:Construction & development0.9903%974
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,722
Percentage Net Loans Charged-off: Multi-family residential0.0000%388
Percentage Net Loans Charged-off: 1-4 family residential2.5220%285
Percentage Net Loans Charged-off: Home equity loans1.5967%357
All other 1-4 family - Percent of loans charged-off, net3.0174%237
Percentage Net Loans Charged-off: Commercial and industrial0.4535%1,330
Percentage Net Loans Charged-off: Loans to individuals4.4154%240
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual4.4154%221
Percentage Net Loans Charged-off: All other loans and lease0.2317%642
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%67
2011-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.1754%281
Percentage Net Loans Charged-off: Total real estate loans3.4099%221
Percentage Net Loans Charged-off:Construction & development15.2309%235
Percentage Net Loans Charged-off: Commercial real estate1.6669%725
Percentage Net Loans Charged-off: Multi-family residential0.5297%726
Percentage Net Loans Charged-off: 1-4 family residential2.0474%524
Percentage Net Loans Charged-off: Home equity loans0.7683%1,002
All other 1-4 family - Percent of loans charged-off, net2.7319%369
Percentage Net Loans Charged-off: Commercial and industrial5.3813%394
Percentage Net Loans Charged-off: Loans to individuals3.2430%443
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual3.1880%390
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,720
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans3.5056%222
Percentage Net Loans Charged-off: Total real estate loans3.5960%206
Percentage Net Loans Charged-off:Construction & development17.3883%186
Percentage Net Loans Charged-off: Commercial real estate2.0953%456
Percentage Net Loans Charged-off: Multi-family residential0.3786%666
Percentage Net Loans Charged-off: 1-4 family residential1.6481%652
Percentage Net Loans Charged-off: Home equity loans1.0132%740
All other 1-4 family - Percent of loans charged-off, net1.9891%535
Percentage Net Loans Charged-off: Commercial and industrial6.6900%269
Percentage Net Loans Charged-off: Loans to individuals1.6828%917
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.6544%782
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,562
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.2571%567
Percentage Net Loans Charged-off: Total real estate loans2.3081%516
Percentage Net Loans Charged-off:Construction & development13.8115%272
Percentage Net Loans Charged-off: Commercial real estate-0.8009%7,269
Percentage Net Loans Charged-off: Multi-family residential0.0000%678
Percentage Net Loans Charged-off: 1-4 family residential1.8907%583
Percentage Net Loans Charged-off: Home equity loans1.1293%663
All other 1-4 family - Percent of loans charged-off, net2.3012%444
Percentage Net Loans Charged-off: Commercial and industrial4.1249%503
Percentage Net Loans Charged-off: Loans to individuals1.8760%805
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.8333%647
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,354
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.1879%563
Percentage Net Loans Charged-off: Total real estate loans3.0065%322
Percentage Net Loans Charged-off:Construction & development20.8156%142
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,892
Percentage Net Loans Charged-off: Multi-family residential0.0000%440
Percentage Net Loans Charged-off: 1-4 family residential0.8029%1,133
Percentage Net Loans Charged-off: Home equity loans0.0000%1,026
All other 1-4 family - Percent of loans charged-off, net1.2236%773
Percentage Net Loans Charged-off: Commercial and industrial0.8992%1,324
Percentage Net Loans Charged-off: Loans to individuals1.5928%911
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.5514%721
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,005
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans2.1642%907
Percentage Net Loans Charged-off: Total real estate loans2.7448%600
Percentage Net Loans Charged-off:Construction & development2.3619%1,945
Percentage Net Loans Charged-off: Commercial real estate3.1219%330
Percentage Net Loans Charged-off: Multi-family residential3.4201%379
Percentage Net Loans Charged-off: 1-4 family residential2.4907%469
Percentage Net Loans Charged-off: Home equity loans0.0702%1,844
All other 1-4 family - Percent of loans charged-off, net3.6262%280
Percentage Net Loans Charged-off: Commercial and industrial1.1908%2,328
Percentage Net Loans Charged-off: Loans to individuals2.9653%667
Percentage Net Loans Charged-off: Credit card loans18.9196%48
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.2470%794
Percentage Net Loans Charged-off: Total real estate loans2.8202%519
Percentage Net Loans Charged-off:Construction & development2.3477%1,743
Percentage Net Loans Charged-off: Commercial real estate4.0703%201
Percentage Net Loans Charged-off: Multi-family residential3.2762%351
Percentage Net Loans Charged-off: 1-4 family residential2.0290%571
Percentage Net Loans Charged-off: Home equity loans0.0145%1,688
All other 1-4 family - Percent of loans charged-off, net2.9676%350
Percentage Net Loans Charged-off: Commercial and industrial1.3015%1,939
Percentage Net Loans Charged-off: Loans to individuals2.8338%682
Percentage Net Loans Charged-off: Credit card loans14.3351%66
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,786
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.3052%1,459
Percentage Net Loans Charged-off: Total real estate loans1.6164%1,052
Percentage Net Loans Charged-off:Construction & development1.9935%1,632
Percentage Net Loans Charged-off: Commercial real estate0.9596%1,026
Percentage Net Loans Charged-off: Multi-family residential0.2086%623
Percentage Net Loans Charged-off: 1-4 family residential2.1720%534
Percentage Net Loans Charged-off: Home equity loans0.0215%1,394
All other 1-4 family - Percent of loans charged-off, net3.1759%335
Percentage Net Loans Charged-off: Commercial and industrial0.6918%2,368
Percentage Net Loans Charged-off: Loans to individuals2.5884%782
Percentage Net Loans Charged-off: Credit card loans7.7429%188
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,540
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.6022%1,088
Percentage Net Loans Charged-off: Total real estate loans1.8153%824
Percentage Net Loans Charged-off:Construction & development0.0225%2,002
Percentage Net Loans Charged-off: Commercial real estate2.0105%462
Percentage Net Loans Charged-off: Multi-family residential0.4293%360
Percentage Net Loans Charged-off: 1-4 family residential2.7105%394
Percentage Net Loans Charged-off: Home equity loans0.0000%974
All other 1-4 family - Percent of loans charged-off, net4.0173%249
Percentage Net Loans Charged-off: Commercial and industrial1.5843%1,240
Percentage Net Loans Charged-off: Loans to individuals2.0531%972
Percentage Net Loans Charged-off: Credit card loans12.8980%96
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,171
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.9637%1,253
Percentage Net Loans Charged-off: Total real estate loans2.0099%1,039
Percentage Net Loans Charged-off:Construction & development2.1487%2,018
Percentage Net Loans Charged-off: Commercial real estate0.4640%1,809
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential3.1582%363
Percentage Net Loans Charged-off: Home equity loans0.9166%897
All other 1-4 family - Percent of loans charged-off, net4.1226%270
Percentage Net Loans Charged-off: Commercial and industrial2.4546%1,598
Percentage Net Loans Charged-off: Loans to individuals2.8514%859
Percentage Net Loans Charged-off: Credit card loans13.8195%89
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%2,150
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.7330%1,168
Percentage Net Loans Charged-off: Total real estate loans1.7390%970
Percentage Net Loans Charged-off:Construction & development2.6523%1,527
Percentage Net Loans Charged-off: Commercial real estate0.0216%2,689
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential2.5026%421
Percentage Net Loans Charged-off: Home equity loans0.0285%1,577
All other 1-4 family - Percent of loans charged-off, net3.5387%291
Percentage Net Loans Charged-off: Commercial and industrial2.1837%1,435
Percentage Net Loans Charged-off: Loans to individuals3.1559%730
Percentage Net Loans Charged-off: Credit card loans17.8299%56
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,898
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9237%1,863
Percentage Net Loans Charged-off: Total real estate loans0.6283%1,874
Percentage Net Loans Charged-off:Construction & development0.8669%1,862
Percentage Net Loans Charged-off: Commercial real estate0.0047%2,229
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential0.9345%1,030
Percentage Net Loans Charged-off: Home equity loans0.0427%1,249
All other 1-4 family - Percent of loans charged-off, net1.3016%763
Percentage Net Loans Charged-off: Commercial and industrial2.1178%1,255
Percentage Net Loans Charged-off: Loans to individuals2.3474%1,006
Percentage Net Loans Charged-off: Credit card loans18.0323%64
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,633
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.9124%1,447
Percentage Net Loans Charged-off: Total real estate loans0.6647%1,373
Percentage Net Loans Charged-off:Construction & development0.5236%1,461
Percentage Net Loans Charged-off: Commercial real estate0.0185%1,324
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential1.1953%647
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net1.6804%466
Percentage Net Loans Charged-off: Commercial and industrial1.8790%996
Percentage Net Loans Charged-off: Loans to individuals2.5638%861
Percentage Net Loans Charged-off: Credit card loans18.2052%66
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,234
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6792%1,811
Percentage Net Loans Charged-off: Total real estate loans0.4256%1,881
Percentage Net Loans Charged-off:Construction & development0.9413%1,615
Percentage Net Loans Charged-off: Commercial real estate0.0473%2,015
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential0.3585%1,557
Percentage Net Loans Charged-off: Home equity loans0.0352%1,328
All other 1-4 family - Percent of loans charged-off, net0.4813%1,173
Percentage Net Loans Charged-off: Commercial and industrial1.6150%1,295
Percentage Net Loans Charged-off: Loans to individuals2.3798%784
Percentage Net Loans Charged-off: Credit card loans10.7076%78
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,901
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4931%1,707
Percentage Net Loans Charged-off: Total real estate loans0.2785%1,769
Percentage Net Loans Charged-off:Construction & development0.4189%1,524
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,766
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential0.3916%1,101
Percentage Net Loans Charged-off: Home equity loans0.0487%1,022
All other 1-4 family - Percent of loans charged-off, net0.5187%821
Percentage Net Loans Charged-off: Commercial and industrial1.2698%1,109
Percentage Net Loans Charged-off: Loans to individuals1.8952%894
Percentage Net Loans Charged-off: Credit card loans4.3775%312
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,634
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3544%1,864
Percentage Net Loans Charged-off: Total real estate loans0.1963%1,751
Percentage Net Loans Charged-off:Construction & development0.4173%1,073
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential0.1908%1,477
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net0.2581%1,156
Percentage Net Loans Charged-off: Commercial and industrial0.8056%1,238
Percentage Net Loans Charged-off: Loans to individuals2.1910%685
Percentage Net Loans Charged-off: Credit card loans0.0000%966
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4501%1,151
Percentage Net Loans Charged-off: Total real estate loans0.1747%1,343
Percentage Net Loans Charged-off:Construction & development0.1184%938
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential0.3540%785
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net0.4757%589
Percentage Net Loans Charged-off: Commercial and industrial1.2664%683
Percentage Net Loans Charged-off: Loans to individuals3.0457%447
Percentage Net Loans Charged-off: Credit card loans0.0000%761
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5504%974
Percentage Net Loans Charged-off: Total real estate loans0.4881%567
Percentage Net Loans Charged-off:Construction & development0.9324%463
Percentage Net Loans Charged-off: Commercial real estate0.0125%1,548
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.6129%439
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net0.8515%305
Percentage Net Loans Charged-off: Commercial and industrial0.9902%1,175
Percentage Net Loans Charged-off: Loans to individuals0.4779%3,160
Percentage Net Loans Charged-off: Credit card loans-2.4861%1,979
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,751
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6121%620
Percentage Net Loans Charged-off: Total real estate loans0.5515%299
Percentage Net Loans Charged-off:Construction & development1.0214%245
Percentage Net Loans Charged-off: Commercial real estate0.0168%1,055
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.7287%262
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net1.0263%184
Percentage Net Loans Charged-off: Commercial and industrial1.0778%867
Percentage Net Loans Charged-off: Loans to individuals0.4032%3,079
Percentage Net Loans Charged-off: Credit card loans-3.9912%1,966
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,521
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5374%660
Percentage Net Loans Charged-off: Total real estate loans0.6046%235
Percentage Net Loans Charged-off:Construction & development1.3197%145
Percentage Net Loans Charged-off: Commercial real estate0.0252%751
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.6407%280
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net0.9046%196
Percentage Net Loans Charged-off: Commercial and industrial0.5562%1,164
Percentage Net Loans Charged-off: Loans to individuals0.2672%3,313
Percentage Net Loans Charged-off: Credit card loans-6.4272%1,958
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6863%478
Percentage Net Loans Charged-off: Total real estate loans0.7834%161
Percentage Net Loans Charged-off:Construction & development2.4036%63
Percentage Net Loans Charged-off: Commercial real estate0.0510%401
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.2478%534
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net0.3511%415
Percentage Net Loans Charged-off: Commercial and industrial0.7086%742
Percentage Net Loans Charged-off: Loans to individuals-0.0633%6,899
Percentage Net Loans Charged-off: Credit card loans-11.6545%1,947
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1981%2,008
Percentage Net Loans Charged-off: Total real estate loans0.1240%1,115
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential0.3201%535
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net0.4573%370
Percentage Net Loans Charged-off: Commercial and industrial0.5972%1,464
Percentage Net Loans Charged-off: Loans to individuals-0.8668%8,357
Percentage Net Loans Charged-off: Credit card loans-15.8704%2,072
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1115%2,517
Percentage Net Loans Charged-off: Total real estate loans0.0159%2,343
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,012
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential0.0400%1,747
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net0.0573%1,470
Percentage Net Loans Charged-off: Commercial and industrial0.5242%1,269
Percentage Net Loans Charged-off: Loans to individuals-0.7872%8,342
Percentage Net Loans Charged-off: Credit card loans-16.2310%2,054
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1199%2,226
Percentage Net Loans Charged-off: Total real estate loans0.0295%1,734
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0715%1,221
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net0.1031%978
Percentage Net Loans Charged-off: Commercial and industrial0.5207%1,128
Percentage Net Loans Charged-off: Loans to individuals-0.9390%8,374
Percentage Net Loans Charged-off: Credit card loans-15.2590%2,036
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0693%2,507
Percentage Net Loans Charged-off: Total real estate loans-0.0048%7,697
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential-0.0112%7,955
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net-0.0162%8,003
Percentage Net Loans Charged-off: Commercial and industrial0.3759%964
Percentage Net Loans Charged-off: Loans to individuals-0.6344%8,050
Percentage Net Loans Charged-off: Credit card loans-8.5913%2,014
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%911
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0940%3,766
Percentage Net Loans Charged-off: Total real estate loans-0.0130%7,992
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,340
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential-0.0279%8,233
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net-0.0400%8,263
Percentage Net Loans Charged-off: Commercial and industrial0.4173%2,087
Percentage Net Loans Charged-off: Loans to individuals1.4047%1,172
Percentage Net Loans Charged-off: Credit card loans3.7948%414
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0505%4,186
Percentage Net Loans Charged-off: Total real estate loans-0.0252%8,131
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,046
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential-0.0532%8,319
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net-0.0761%8,360
Percentage Net Loans Charged-off: Commercial and industrial0.2041%2,322
Percentage Net Loans Charged-off: Loans to individuals2.0399%578
Percentage Net Loans Charged-off: Credit card loans6.3731%186
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0542%3,780
Percentage Net Loans Charged-off: Total real estate loans-0.0318%8,163
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential-0.0662%8,341
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net-0.0942%8,383
Percentage Net Loans Charged-off: Commercial and industrial0.2259%1,924
Percentage Net Loans Charged-off: Loans to individuals2.5411%421
Percentage Net Loans Charged-off: Credit card loans7.8720%136
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0643%2,975
Percentage Net Loans Charged-off: Total real estate loans-0.0488%8,366
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 residential-0.1013%8,485
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net-0.1436%8,521
Percentage Net Loans Charged-off: Commercial and industrial0.3093%1,246
Percentage Net Loans Charged-off: Loans to individuals3.0714%354
Percentage Net Loans Charged-off: Credit card loans10.6302%103
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 loans1.3842%287
Percentage Net Loans Charged-off: Total real estate loans0.0249%2,904
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0526%2,145
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.0726%1,842
Percentage Net Loans Charged-off: Commercial and industrial8.2653%96
Percentage Net Loans Charged-off: Loans to individuals2.2095%636
Percentage Net Loans Charged-off: Credit card loans5.0970%331
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 loans0.5502%856
Percentage Net Loans Charged-off: Total real estate loans0.0421%2,122
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0895%1,459
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1227%1,177
Percentage Net Loans Charged-off: Commercial and industrial3.1006%385
Percentage Net Loans Charged-off: Loans to individuals2.5556%470
Percentage Net Loans Charged-off: Credit card loans5.0600%318
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 loans0.6898%648
Percentage Net Loans Charged-off: Total real estate loans0.0549%1,705
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.1176%1,119
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.1602%899
Percentage Net Loans Charged-off: Commercial and industrial4.1533%254
Percentage Net Loans Charged-off: Loans to individuals3.1581%375
Percentage Net Loans Charged-off: Credit card loans6.0664%247
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 loans1.0236%420
Percentage Net Loans Charged-off: Total real estate loans0.1125%950
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.2413%586
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.3247%449
Percentage Net Loans Charged-off: Commercial and industrial6.2256%154
Percentage Net Loans Charged-off: Loans to individuals4.2934%274
Percentage Net Loans Charged-off: Credit card loans10.2019%129
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 loans0.6349%1,111
Percentage Net Loans Charged-off: Total real estate loans0.2715%822
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.5361%412
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.6646%327
Percentage Net Loans Charged-off: Commercial and industrial2.3188%769
Percentage Net Loans Charged-off: Loans to individuals6.5435%106
Percentage Net Loans Charged-off: Credit card loans5.6507%329
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 loans0.5984%1,043
Percentage Net Loans Charged-off: Total real estate loans0.3080%617
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.5936%296
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.7231%263
Percentage Net Loans Charged-off: Commercial and industrial1.9756%757
Percentage Net Loans Charged-off: Loans to individuals5.8081%132
Percentage Net Loans Charged-off: Credit card loans5.9995%302
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 loans0.4142%1,496
Percentage Net Loans Charged-off: Total real estate loans0.0633%1,697
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.1167%1,182
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.1392%1,069
Percentage Net Loans Charged-off: Commercial and industrial2.0264%757
Percentage Net Loans Charged-off: Loans to individuals5.5525%140
Percentage Net Loans Charged-off: Credit card loans6.3168%302
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 loans0.3979%1,388
Percentage Net Loans Charged-off: Total real estate loans0.0169%1,771
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.0318%1,357
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.0383%1,245
Percentage Net Loans Charged-off: Commercial and industrial1.9035%621
Percentage Net Loans Charged-off: Loans to individuals5.8275%169
Percentage Net Loans Charged-off: Credit card loans7.7678%253
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 loans0.6946%1,149
Percentage Net Loans Charged-off: Total real estate loans-0.0833%8,962
Percentage Net Loans Charged-off:Construction & development-0.9357%8,234
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0243%2,789
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0289%2,576
Percentage Net Loans Charged-off: Commercial and industrial3.8807%491
Percentage Net Loans Charged-off: Loans to individuals8.7830%63
Percentage Net Loans Charged-off: Credit card loans5.3167%448
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 loans0.8831%841
Percentage Net Loans Charged-off: Total real estate loans0.0087%3,556
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 residential0.0144%2,846
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0165%2,651
Percentage Net Loans Charged-off: Commercial and industrial3.4098%566
Percentage Net Loans Charged-off: Loans to individuals9.0312%76
Percentage Net Loans Charged-off: Credit card loans8.3493%201
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 loans1.0588%497
Percentage Net Loans Charged-off: Total real estate loans0.0274%578
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 residential0.0439%475
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net0.0504%401
Percentage Net Loans Charged-off: Commercial and industrial4.7956%38
Percentage Net Loans Charged-off: Loans to individuals5.6614%35
Percentage Net Loans Charged-off: Credit card loans-0.1537%1,298
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 loans0.4662%1,485
Percentage Net Loans Charged-off: Total real estate loans-0.0928%1,482
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 residential-0.1414%1,500
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net-0.1641%1,507
Percentage Net Loans Charged-off: Commercial and industrial1.1456%181
Percentage Net Loans Charged-off: Loans to individuals4.2083%72
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 loans0.4827%1,529
Percentage Net Loans Charged-off: Total real estate loans0.0172%733
Percentage Net Loans Charged-off:Construction & development0.0000%229
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 residential0.0230%663
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0251%594
Percentage Net Loans Charged-off: Commercial and industrial4.5820%30
Percentage Net Loans Charged-off: Loans to individuals1.2619%373
Percentage Net Loans Charged-off: Credit card loans0.0000%973
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 loans0.1250%4,990
Percentage Net Loans Charged-off: Total real estate loans0.0151%795
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 residential0.0199%768
Percentage Net Loans Charged-off: Home equity loans0.0000%396
All other 1-4 family - Percent of loans charged-off, net0.0211%702
Percentage Net Loans Charged-off: Commercial and industrial1.7183%86
Percentage Net Loans Charged-off: Loans to individuals1.2639%419
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 loans0.0743%6,343
Percentage Net Loans Charged-off: Total real estate loans0.0059%954
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 residential0.0084%908
Percentage Net Loans Charged-off: Home equity loans0.0000%412
All other 1-4 family - Percent of loans charged-off, net0.0088%860
Percentage Net Loans Charged-off: Commercial and industrial3.2108%48
Percentage Net Loans Charged-off: Loans to individuals0.0000%1,371
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 loans-0.0172%10,277
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
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0684%11,139
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 loans0.0269%8,991
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 loans0.0308%10,343
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