Home > Santa Barbara Bank & Trust > Net charge- offs to loans
Santa Barbara Bank & Trust, Net charge- offs to loans
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0133% | 5,515 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 4,896 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,867 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,243 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,065 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2151% | 2,452 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0059% | 5,857 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.0059% | 5,761 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2935% | 840 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0071% | 5,384 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0001% | 4,523 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0001% | 2,476 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,822 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,854 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2284% | 2,869 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2284% | 2,686 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3330% | 733 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 96 |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0098% | 4,587 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,705 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,722 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,017 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,835 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,038 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4435% | 1,936 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4435% | 1,764 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3381% | 573 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 67 |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0147% | 6,233 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0089% | 5,523 |
| Percentage Net Loans Charged-off:Construction & development | 0.1835% | 2,704 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,614 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,892 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,716 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0113% | 4,166 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0317% | 4,857 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0315% | 4,702 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4347% | 857 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 114 |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0174% | 5,910 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0118% | 5,108 |
| Percentage Net Loans Charged-off:Construction & development | 0.2376% | 2,366 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,145 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,497 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,317 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0144% | 3,700 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0183% | 4,540 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0181% | 4,374 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4172% | 816 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 102 |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0217% | 5,535 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0176% | 4,658 |
| Percentage Net Loans Charged-off:Construction & development | 0.3516% | 2,005 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,658 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 678 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,039 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,446 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,832 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 3,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0272% | 4,061 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0272% | 3,901 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3946% | 750 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 93 |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0059% | 5,044 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,921 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,696 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,892 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 440 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 3,128 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,026 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,913 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 2,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0544% | 3,281 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0544% | 3,102 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3594% | 614 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 61 |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0016% | 6,842 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 5,866 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,630 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 5,031 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,844 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,726 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,354 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0861% | 1,652 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 165 |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0000% | 6,671 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 5,558 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 3,182 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 4,641 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 4,440 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,319 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0000% | 5,046 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 143 |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.2172% | 120 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8921% | 317 |
| Percentage Net Loans Charged-off:Construction & development | 13.8521% | 322 |
| Percentage Net Loans Charged-off: Commercial real estate | 2.9060% | 354 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.3855% | 417 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9787% | 349 |
| Percentage Net Loans Charged-off: Home equity loans | 3.2126% | 279 |
| All other 1-4 family - Percent of loans charged-off, net | 2.9018% | 382 |
| Percentage Net Loans Charged-off: Commercial and industrial | 20.3215% | 75 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.7792% | 88 |
| 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 | 11.2919% | 146 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 111 |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.6746% | 149 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.6899% | 222 |
| Percentage Net Loans Charged-off:Construction & development | 20.6576% | 174 |
| Percentage Net Loans Charged-off: Commercial real estate | 3.1260% | 295 |
| Percentage Net Loans Charged-off: Multi-family residential | 1.8390% | 260 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.7045% | 397 |
| Percentage Net Loans Charged-off: Home equity loans | 3.5396% | 235 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4315% | 452 |
| Percentage Net Loans Charged-off: Commercial and industrial | 17.3758% | 118 |
| Percentage Net Loans Charged-off: Loans to individuals | 15.8638% | 89 |
| 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 | 7.9911% | 170 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 72 |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.2773% | 224 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.3034% | 557 |
| Percentage Net Loans Charged-off:Construction & development | 17.7193% | 270 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3665% | 2,009 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.4476% | 696 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6799% | 455 |
| Percentage Net Loans Charged-off: Home equity loans | 2.7605% | 361 |
| All other 1-4 family - Percent of loans charged-off, net | 2.6570% | 489 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.9113% | 468 |
| Percentage Net Loans Charged-off: Loans to individuals | 58.8233% | 12 |
| 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 | 6.9771% | 333 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 184 |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 6.2370% | 136 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.7000% | 354 |
| Percentage Net Loans Charged-off:Construction & development | 19.6588% | 187 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3599% | 1,579 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3074% | 557 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.9544% | 341 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1637% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8966% | 353 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.1962% | 355 |
| Percentage Net Loans Charged-off: Loans to individuals | 78.6195% | 11 |
| 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 | 9.0812% | 237 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 155 |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 8.0873% | 102 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.5345% | 243 |
| Percentage Net Loans Charged-off:Construction & development | 23.8560% | 130 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5570% | 987 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.3071% | 410 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3234% | 268 |
| Percentage Net Loans Charged-off: Home equity loans | 3.4856% | 216 |
| All other 1-4 family - Percent of loans charged-off, net | 3.2797% | 277 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.1712% | 329 |
| Percentage Net Loans Charged-off: Loans to individuals | 110.9801% | 5 |
| 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 | 11.9123% | 170 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 10.5500% | 57 |
| Percentage Net Loans Charged-off: Total real estate loans | 4.1651% | 231 |
| Percentage Net Loans Charged-off:Construction & development | 24.2192% | 108 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3891% | 762 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.4703% | 6,130 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.9085% | 419 |
| Percentage Net Loans Charged-off: Home equity loans | 3.0323% | 216 |
| All other 1-4 family - Percent of loans charged-off, net | 1.6120% | 487 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.6832% | 243 |
| Percentage Net Loans Charged-off: Loans to individuals | 188.5737% | 2 |
| 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 | 16.4835% | 129 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.1451% | 492 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.6636% | 520 |
| Percentage Net Loans Charged-off:Construction & development | 7.0485% | 325 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5237% | 841 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.2675% | 419 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9541% | 642 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4489% | 346 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8457% | 714 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.2399% | 938 |
| Percentage Net Loans Charged-off: Loans to individuals | 15.7076% | 43 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9753% | 781 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7303% | 449 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9511% | 674 |
| Percentage Net Loans Charged-off:Construction & development | 3.4018% | 469 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1389% | 1,107 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1260% | 317 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9415% | 502 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7311% | 230 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7755% | 567 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.0912% | 724 |
| Percentage Net Loans Charged-off: Loans to individuals | 21.0291% | 23 |
| 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 | 1.1219% | 622 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0921% | 283 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8287% | 603 |
| Percentage Net Loans Charged-off:Construction & development | 2.7683% | 412 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0144% | 1,238 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1194% | 206 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.9768% | 412 |
| Percentage Net Loans Charged-off: Home equity loans | 1.7989% | 188 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8060% | 456 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.8900% | 425 |
| Percentage Net Loans Charged-off: Loans to individuals | 30.7010% | 18 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8150% | 651 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 2.0225% | 241 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0698% | 1,929 |
| Percentage Net Loans Charged-off:Construction & development | 0.0666% | 997 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1631% | 1,160 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2231% | 423 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1508% | 1,091 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0898% | 753 |
| Percentage Net Loans Charged-off: Loans to individuals | 52.8875% | 12 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5934% | 584 |
| 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 | 2.0146% | 172 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0214% | 3,496 |
| Percentage Net Loans Charged-off:Construction & development | 0.0038% | 1,553 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0807% | 2,079 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3841% | 390 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0257% | 2,637 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4808% | 1,926 |
| Percentage Net Loans Charged-off: Loans to individuals | 33.0895% | 10 |
| Percentage Net Loans Charged-off: Credit card loans | -1.0604% | 1,954 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.1812% | 314 |
| 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 | 2.7468% | 91 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0323% | 2,402 |
| Percentage Net Loans Charged-off:Construction & development | 0.0173% | 1,012 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0828% | 1,544 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4363% | 260 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0204% | 2,137 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6288% | 1,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 40.7928% | 10 |
| Percentage Net Loans Charged-off: Credit card loans | -0.5663% | 1,897 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.2731% | 269 |
| 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 | 4.1027% | 40 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0073% | 7,680 |
| Percentage Net Loans Charged-off:Construction & development | 0.0159% | 730 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 881 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0082% | 2,025 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0097% | 1,853 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6388% | 1,064 |
| Percentage Net Loans Charged-off: Loans to individuals | 53.3586% | 4 |
| Percentage Net Loans Charged-off: Credit card loans | -0.6363% | 1,857 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.9640% | 218 |
| 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 | 5.1968% | 37 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0351% | 8,085 |
| Percentage Net Loans Charged-off:Construction & development | 0.0127% | 419 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 529 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,473 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,345 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7177% | 738 |
| Percentage Net Loans Charged-off: Loans to individuals | 54.2599% | 4 |
| Percentage Net Loans Charged-off: Credit card loans | -0.8484% | 1,836 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 3.6444% | 203 |
| 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 | 1.0636% | 266 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0203% | 2,702 |
| Percentage Net Loans Charged-off:Construction & development | 0.0508% | 612 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0001% | 7,748 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0007% | 2,915 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0008% | 2,710 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4788% | 1,661 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.8044% | 36 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1171% | 1,929 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3893% | 344 |
| 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 | 1.7191% | 107 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0206% | 2,235 |
| Percentage Net Loans Charged-off:Construction & development | 0.0423% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0001% | 7,788 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0009% | 2,426 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0011% | 2,247 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6259% | 1,122 |
| Percentage Net Loans Charged-off: Loans to individuals | 17.7380% | 19 |
| Percentage Net Loans Charged-off: Credit card loans | -0.0952% | 1,873 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.3458% | 300 |
| 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 | 2.6899% | 63 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0329% | 1,681 |
| Percentage Net Loans Charged-off:Construction & development | 0.0528% | 327 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0001% | 7,871 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0196% | 1,716 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0243% | 1,563 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8223% | 884 |
| Percentage Net Loans Charged-off: Loans to individuals | 28.6854% | 13 |
| Percentage Net Loans Charged-off: Credit card loans | -0.1572% | 1,857 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1197% | 298 |
| 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 | 3.9751% | 31 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0308% | 1,195 |
| Percentage Net Loans Charged-off:Construction & development | 0.0665% | 174 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0003% | 7,958 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,244 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3417% | 495 |
| Percentage Net Loans Charged-off: Loans to individuals | 41.9898% | 8 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 826 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7408% | 307 |
| 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 | 1.2214% | 223 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0386% | 2,189 |
| Percentage Net Loans Charged-off:Construction & development | 0.0186% | 591 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0290% | 1,099 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0113% | 2,760 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0148% | 636 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0105% | 2,610 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3525% | 2,267 |
| Percentage Net Loans Charged-off: Loans to individuals | 11.7294% | 34 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,459 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.0061% | 372 |
| 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 | 1.6932% | 142 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0458% | 1,759 |
| Percentage Net Loans Charged-off:Construction & development | 0.0071% | 503 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0425% | 813 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0156% | 2,288 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0203% | 508 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0144% | 2,163 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5580% | 1,448 |
| Percentage Net Loans Charged-off: Loans to individuals | 16.9925% | 21 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,324 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8343% | 346 |
| 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 | 2.4166% | 100 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0697% | 1,273 |
| Percentage Net Loans Charged-off:Construction & development | -0.0005% | 7,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0661% | 595 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0249% | 1,777 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0317% | 388 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0232% | 1,688 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8707% | 1,003 |
| Percentage Net Loans Charged-off: Loans to individuals | 23.8057% | 12 |
| 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 | 1.9930% | 283 |
| 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 | 3.5733% | 53 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0073% | 1,673 |
| Percentage Net Loans Charged-off:Construction & development | -0.0011% | 7,703 |
| 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 | 0.0198% | 1,346 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1007% | 228 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0005% | 7,891 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7124% | 508 |
| Percentage Net Loans Charged-off: Loans to individuals | 34.6081% | 6 |
| 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 | 1.8942% | 270 |
| 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 | 0.3638% | 1,573 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0668% | 8,567 |
| Percentage Net Loans Charged-off:Construction & development | -0.1433% | 7,969 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1328% | 8,517 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0185% | 2,774 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0109% | 5,973 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0248% | 2,498 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2238% | 2,990 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.0532% | 221 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1940% | 1,132 |
| 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 | 0.5355% | 893 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0183% | 8,231 |
| Percentage Net Loans Charged-off:Construction & development | -0.1947% | 7,972 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0063% | 8,229 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0254% | 2,207 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0154% | 5,961 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0336% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5891% | 1,622 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.9722% | 162 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2678% | 907 |
| 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 | 0.8845% | 493 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0279% | 8,327 |
| Percentage Net Loans Charged-off:Construction & development | -0.3050% | 7,956 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0099% | 8,345 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0436% | 1,671 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0519% | 1,511 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4299% | 776 |
| Percentage Net Loans Charged-off: Loans to individuals | 6.9415% | 85 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9458% | 468 |
| 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 | 1.1676% | 373 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0060% | 8,005 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0059% | 8,395 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0092% | 8,165 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0109% | 8,204 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1361% | 1,742 |
| Percentage Net Loans Charged-off: Loans to individuals | 11.1412% | 58 |
| 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 | 1.1570% | 363 |
| 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 | 0.7376% | 892 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2404% | 936 |
| Percentage Net Loans Charged-off:Construction & development | 0.5404% | 305 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2037% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0310% | 6,489 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1047% | 1,724 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0152% | 578 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1194% | 1,589 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6385% | 2,303 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.7926% | 299 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,842 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5695% | 527 |
| 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 | 0.7811% | 708 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0802% | 1,736 |
| Percentage Net Loans Charged-off:Construction & development | 0.4858% | 261 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0459% | 1,036 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0442% | 6,479 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0002% | 8,093 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0209% | 449 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0036% | 8,208 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9230% | 1,501 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.2932% | 176 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,741 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9502% | 654 |
| 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 | 1.1974% | 418 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0874% | 1,474 |
| Percentage Net Loans Charged-off:Construction & development | 0.7399% | 190 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0180% | 8,547 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.0707% | 6,429 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0005% | 2,401 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0319% | 363 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0046% | 8,263 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.5529% | 931 |
| Percentage Net Loans Charged-off: Loans to individuals | 8.4195% | 71 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,566 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8006% | 639 |
| 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 | 1.5154% | 311 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0037% | 8,150 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0123% | 594 |
| Percentage Net Loans Charged-off: Multi-family residential | -0.1439% | 6,374 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0066% | 8,361 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0077% | 8,400 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4635% | 500 |
| Percentage Net Loans Charged-off: Loans to individuals | 10.3582% | 65 |
| Percentage Net Loans Charged-off: Credit card loans | 0.0000% | 1,250 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0956% | 434 |
| 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 | 0.5104% | 1,632 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0405% | 2,755 |
| Percentage Net Loans Charged-off:Construction & development | 0.4539% | 351 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0516% | 8,745 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.1207% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0213% | 8,651 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0243% | 8,671 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6035% | 1,301 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9615% | 908 |
| Percentage Net Loans Charged-off: Credit card loans | 1,089.7436% | 2 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3258% | 1,215 |
| 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 | 0.5504% | 1,469 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0223% | 8,815 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 831 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0595% | 8,965 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0051% | 8,601 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0318% | 5,976 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0029% | 8,555 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4012% | 2,948 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.3650% | 359 |
| Percentage Net Loans Charged-off: Credit card loans | 29.2064% | 41 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.8520% | 462 |
| 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 | 0.6058% | 1,037 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 1,237 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0141% | 362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0108% | 1,396 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0708% | 1,357 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0062% | 1,371 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1631% | 205 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2936% | 153 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0388% | 486 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 2.1173% | 52 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5415% | 1,241 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0216% | 682 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0682% | 241 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0073% | 1,372 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0169% | 1,301 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0066% | 1,368 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6167% | 119 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.6915% | 137 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4561% | 274 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4335% | 174 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4762% | 1,557 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1684% | 1,454 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.4340% | 1,417 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0267% | 634 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0300% | 569 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1282% | 720 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.4736% | 46 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0512% | 605 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2012% | 251 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3776% | 2,156 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.3878% | 1,466 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.7305% | 1,415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0936% | 1,437 |
| Percentage Net Loans Charged-off: Home equity loans | -0.9086% | 1,303 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0464% | 521 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0096% | 869 |
| Percentage Net Loans Charged-off: Loans to individuals | 7.3925% | 24 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7724% | 716 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3560% | 161 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0061% | 8,555 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1090% | 1,469 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.6299% | 1,472 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4620% | 75 |
| Percentage Net Loans Charged-off: Home equity loans | 0.7129% | 52 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4109% | 85 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7401% | 252 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4188% | 1,535 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6868% | 724 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0557% | 368 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.7448% | 288 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4180% | 46 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3195% | 306 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6253% | 55 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1545% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | 0.7347% | 46 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4637% | 322 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1940% | 1,124 |
| Percentage Net Loans Charged-off: Credit card loans | -2.1131% | 1,344 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 5.2895% | 13 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6606% | 1,331 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0557% | 714 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0298% | 613 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1088% | 405 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4411% | 86 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 974 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8253% | 250 |
| Percentage Net Loans Charged-off: Loans to individuals | 9.4906% | 8 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8538% | 786 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0077% | 1,079 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.0888% | 1,130 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.0235% | 170 |
| Percentage Net Loans Charged-off:Construction & development | 6.1595% | 85 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0017% | 1,344 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0049% | 1,251 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.1599% | 347 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2579% | 88 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1768% | 444 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0383% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.9725% | 520 |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5898% | 3,682 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1420% | 852 |
| Percentage Net Loans Charged-off:Construction & development | 0.3999% | 482 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0555% | 879 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0657% | 722 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1765% | 245 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,124 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3697% | 484 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.0394% | 135 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5150% | 520 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1150% | 1,202 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.1144% | 132 |