The Harleysville National Bank and Trust Company, Net charge- offs to loans

2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.4779%1,170
Percentage Net Loans Charged-off: Total real estate loans1.4033%1,033
Percentage Net Loans Charged-off:Construction & development6.9785%613
Percentage Net Loans Charged-off: Commercial real estate0.5387%1,056
Percentage Net Loans Charged-off: Multi-family residential0.0994%427
Percentage Net Loans Charged-off: 1-4 family residential0.9779%1,045
Percentage Net Loans Charged-off: Home equity loans1.2156%503
All other 1-4 family - Percent of loans charged-off, net0.8490%1,092
Percentage Net Loans Charged-off: Commercial and industrial1.6670%1,203
Percentage Net Loans Charged-off: Loans to individuals2.7831%724
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 lease1.6796%435
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%72
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.2263%2,012
Percentage Net Loans Charged-off: Total real estate loans1.0824%1,819
Percentage Net Loans Charged-off:Construction & development5.0063%1,235
Percentage Net Loans Charged-off: Commercial real estate0.3146%2,128
Percentage Net Loans Charged-off: Multi-family residential0.2247%797
Percentage Net Loans Charged-off: 1-4 family residential0.4631%2,177
Percentage Net Loans Charged-off: Home equity loans0.4775%1,258
All other 1-4 family - Percent of loans charged-off, net0.4565%2,108
Percentage Net Loans Charged-off: Commercial and industrial1.8187%2,024
Percentage Net Loans Charged-off: Loans to individuals1.6611%1,668
Percentage Net Loans Charged-off: Credit card loans-25.3968%1,676
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease2.1750%671
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%184
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0121%1,950
Percentage Net Loans Charged-off: Total real estate loans0.7569%1,898
Percentage Net Loans Charged-off:Construction & development3.7860%1,219
Percentage Net Loans Charged-off: Commercial real estate0.2646%1,764
Percentage Net Loans Charged-off: Multi-family residential0.3033%561
Percentage Net Loans Charged-off: 1-4 family residential0.4599%1,882
Percentage Net Loans Charged-off: Home equity loans0.4917%1,052
All other 1-4 family - Percent of loans charged-off, net0.4459%1,837
Percentage Net Loans Charged-off: Commercial and industrial2.2150%1,417
Percentage Net Loans Charged-off: Loans to individuals1.4881%1,722
Percentage Net Loans Charged-off: Credit card loans-25.3968%1,686
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.7936%640
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%155
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans1.0466%1,710
Percentage Net Loans Charged-off: Total real estate loans1.0165%1,363
Percentage Net Loans Charged-off:Construction & development5.1602%817
Percentage Net Loans Charged-off: Commercial real estate0.4053%1,157
Percentage Net Loans Charged-off: Multi-family residential0.4655%387
Percentage Net Loans Charged-off: 1-4 family residential0.5519%1,479
Percentage Net Loans Charged-off: Home equity loans0.5735%798
All other 1-4 family - Percent of loans charged-off, net0.5428%1,414
Percentage Net Loans Charged-off: Commercial and industrial0.9903%2,000
Percentage Net Loans Charged-off: Loans to individuals1.6701%1,453
Percentage Net Loans Charged-off: Credit card loans-24.7619%1,697
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.7383%580
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%118
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4398%2,354
Percentage Net Loans Charged-off: Total real estate loans0.2106%2,368
Percentage Net Loans Charged-off:Construction & development0.0000%1,865
Percentage Net Loans Charged-off: Commercial real estate0.1036%1,112
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential0.3232%1,556
Percentage Net Loans Charged-off: Home equity loans0.4089%627
All other 1-4 family - Percent of loans charged-off, net0.2882%1,509
Percentage Net Loans Charged-off: Commercial and industrial1.1375%1,341
Percentage Net Loans Charged-off: Loans to individuals2.2346%1,001
Percentage Net Loans Charged-off: Credit card loans-30.4762%1,697
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.5574%503
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%81
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2145%4,063
Percentage Net Loans Charged-off: Total real estate loans0.1560%3,170
Percentage Net Loans Charged-off:Construction & development0.0000%2,850
Percentage Net Loans Charged-off: Commercial real estate0.1403%1,584
Percentage Net Loans Charged-off: Multi-family residential0.4892%361
Percentage Net Loans Charged-off: 1-4 family residential0.1944%2,202
Percentage Net Loans Charged-off: Home equity loans0.4465%749
All other 1-4 family - Percent of loans charged-off, net0.0864%2,840
Percentage Net Loans Charged-off: Commercial and industrial0.2143%3,531
Percentage Net Loans Charged-off: Loans to individuals0.7671%2,856
Percentage Net Loans Charged-off: Credit card loans-62.1302%1,874
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.2166%708
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%112
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1767%3,533
Percentage Net Loans Charged-off: Total real estate loans0.1102%2,832
Percentage Net Loans Charged-off:Construction & development0.0000%2,246
Percentage Net Loans Charged-off: Commercial real estate0.0208%1,587
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential0.2002%1,717
Percentage Net Loans Charged-off: Home equity loans0.5342%534
All other 1-4 family - Percent of loans charged-off, net0.0530%2,602
Percentage Net Loans Charged-off: Commercial and industrial0.2643%2,636
Percentage Net Loans Charged-off: Loans to individuals0.5791%2,984
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 lease1.0594%646
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%90
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0984%3,858
Percentage Net Loans Charged-off: Total real estate loans0.0306%3,214
Percentage Net Loans Charged-off:Construction & development0.0000%1,702
Percentage Net Loans Charged-off: Commercial real estate-0.0202%7,876
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential0.0733%2,121
Percentage Net Loans Charged-off: Home equity loans0.1988%651
All other 1-4 family - Percent of loans charged-off, net0.0204%2,420
Percentage Net Loans Charged-off: Commercial and industrial0.1646%2,434
Percentage Net Loans Charged-off: Loans to individuals0.6218%2,527
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.9559%592
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1292%2,694
Percentage Net Loans Charged-off: Total real estate loans0.0670%1,941
Percentage Net Loans Charged-off:Construction & development0.0000%1,119
Percentage Net Loans Charged-off: Commercial real estate0.0537%659
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential0.0926%1,415
Percentage Net Loans Charged-off: Home equity loans0.1960%445
All other 1-4 family - Percent of loans charged-off, net0.0507%1,491
Percentage Net Loans Charged-off: Commercial and industrial0.2435%1,548
Percentage Net Loans Charged-off: Loans to individuals0.5200%2,415
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.7888%532
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3546%1,566
Percentage Net Loans Charged-off: Total real estate loans0.2714%1,050
Percentage Net Loans Charged-off:Construction & development1.4781%304
Percentage Net Loans Charged-off: Commercial real estate0.1588%896
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.0960%1,934
Percentage Net Loans Charged-off: Home equity loans0.1471%631
All other 1-4 family - Percent of loans charged-off, net0.0762%1,993
Percentage Net Loans Charged-off: Commercial and industrial0.5328%1,819
Percentage Net Loans Charged-off: Loans to individuals0.7292%2,276
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 lease2.5666%365
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2963%1,353
Percentage Net Loans Charged-off: Total real estate loans0.2277%794
Percentage Net Loans Charged-off:Construction & development2.0581%131
Percentage Net Loans Charged-off: Commercial real estate-0.0011%7,742
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.0402%2,008
Percentage Net Loans Charged-off: Home equity loans0.0615%610
All other 1-4 family - Percent of loans charged-off, net0.0320%1,986
Percentage Net Loans Charged-off: Commercial and industrial0.3615%1,749
Percentage Net Loans Charged-off: Loans to individuals0.6873%2,069
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 lease3.5190%253
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2962%1,219
Percentage Net Loans Charged-off: Total real estate loans0.2093%728
Percentage Net Loans Charged-off:Construction & development1.8770%108
Percentage Net Loans Charged-off: Commercial real estate-0.0006%7,763
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0619%1,435
Percentage Net Loans Charged-off: Home equity loans0.0669%447
All other 1-4 family - Percent of loans charged-off, net0.0601%1,330
Percentage Net Loans Charged-off: Commercial and industrial0.5758%1,136
Percentage Net Loans Charged-off: Loans to individuals0.5005%2,388
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 lease3.9416%219
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5154%616
Percentage Net Loans Charged-off: Total real estate loans0.3781%334
Percentage Net Loans Charged-off:Construction & development3.9713%28
Percentage Net Loans Charged-off: Commercial real estate-0.0019%7,874
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.0459%1,149
Percentage Net Loans Charged-off: Home equity loans0.1367%283
All other 1-4 family - Percent of loans charged-off, net0.0129%1,242
Percentage Net Loans Charged-off: Commercial and industrial1.1943%539
Percentage Net Loans Charged-off: Loans to individuals0.5724%1,978
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 lease3.9089%192
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1441%2,565
Percentage Net Loans Charged-off: Total real estate loans0.0544%1,893
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.0183%1,154
Percentage Net Loans Charged-off: Multi-family residential0.5318%98
Percentage Net Loans Charged-off: 1-4 family residential0.0851%1,552
Percentage Net Loans Charged-off: Home equity loans0.2713%260
All other 1-4 family - Percent of loans charged-off, net0.0226%2,271
Percentage Net Loans Charged-off: Commercial and industrial0.4563%1,707
Percentage Net Loans Charged-off: Loans to individuals0.4398%3,148
Percentage Net Loans Charged-off: Credit card loans1.4198%763
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease2.3557%347
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1034%2,646
Percentage Net Loans Charged-off: Total real estate loans0.0296%2,020
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.0051%971
Percentage Net Loans Charged-off: Multi-family residential0.7230%65
Percentage Net Loans Charged-off: 1-4 family residential0.0468%1,664
Percentage Net Loans Charged-off: Home equity loans0.2114%237
All other 1-4 family - Percent of loans charged-off, net-0.0075%7,817
Percentage Net Loans Charged-off: Commercial and industrial0.2379%1,845
Percentage Net Loans Charged-off: Loans to individuals0.6230%2,128
Percentage Net Loans Charged-off: Credit card loans1.5341%647
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease2.0128%336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1343%2,056
Percentage Net Loans Charged-off: Total real estate loans0.0484%1,452
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0111%755
Percentage Net Loans Charged-off: Multi-family residential1.0629%37
Percentage Net Loans Charged-off: 1-4 family residential0.0753%1,195
Percentage Net Loans Charged-off: Home equity loans0.3409%140
All other 1-4 family - Percent of loans charged-off, net-0.0107%7,895
Percentage Net Loans Charged-off: Commercial and industrial0.3426%1,384
Percentage Net Loans Charged-off: Loans to individuals0.7853%1,609
Percentage Net Loans Charged-off: Credit card loans1.7701%575
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.4684%379
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2346%1,158
Percentage Net Loans Charged-off: Total real estate loans0.0936%761
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0242%432
Percentage Net Loans Charged-off: Multi-family residential2.0908%10
Percentage Net Loans Charged-off: 1-4 family residential0.1429%648
Percentage Net Loans Charged-off: Home equity loans0.6978%77
All other 1-4 family - Percent of loans charged-off, net-0.0298%8,121
Percentage Net Loans Charged-off: Commercial and industrial0.7546%687
Percentage Net Loans Charged-off: Loans to individuals1.3302%955
Percentage Net Loans Charged-off: Credit card loans3.3337%332
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2840%643
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1045%3,584
Percentage Net Loans Charged-off: Total real estate loans0.0037%3,368
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate-0.0017%7,908
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential0.0082%2,846
Percentage Net Loans Charged-off: Home equity loans0.0395%554
All other 1-4 family - Percent of loans charged-off, net-0.0033%7,853
Percentage Net Loans Charged-off: Commercial and industrial0.1249%3,165
Percentage Net Loans Charged-off: Loans to individuals1.0248%1,800
Percentage Net Loans Charged-off: Credit card loans5.8775%216
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.7488%412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0919%3,293
Percentage Net Loans Charged-off: Total real estate loans-0.0046%7,671
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate-0.0017%7,914
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential-0.0074%7,896
Percentage Net Loans Charged-off: Home equity loans0.0065%543
All other 1-4 family - Percent of loans charged-off, net-0.0127%7,972
Percentage Net Loans Charged-off: Commercial and industrial0.1269%2,629
Percentage Net Loans Charged-off: Loans to individuals0.9100%1,792
Percentage Net Loans Charged-off: Credit card loans4.5536%287
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.6020%394
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1033%2,835
Percentage Net Loans Charged-off: Total real estate loans0.0048%2,394
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate-0.0016%7,966
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0102%1,996
Percentage Net Loans Charged-off: Home equity loans0.0095%425
All other 1-4 family - Percent of loans charged-off, net0.0105%1,842
Percentage Net Loans Charged-off: Commercial and industrial0.1904%2,042
Percentage Net Loans Charged-off: Loans to individuals1.1011%1,400
Percentage Net Loans Charged-off: Credit card loans6.0521%217
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.8103%503
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1037%2,387
Percentage Net Loans Charged-off: Total real estate loans0.0011%1,804
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate-0.0019%8,135
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0035%1,508
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0050%1,363
Percentage Net Loans Charged-off: Commercial and industrial0.2291%1,380
Percentage Net Loans Charged-off: Loans to individuals1.1314%1,333
Percentage Net Loans Charged-off: Credit card loans5.0205%268
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.5567%464
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1554%3,323
Percentage Net Loans Charged-off: Total real estate loans-0.0079%8,023
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate-0.0117%8,245
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential-0.0058%8,001
Percentage Net Loans Charged-off: Home equity loans-0.0065%5,960
All other 1-4 family - Percent of loans charged-off, net-0.0055%7,977
Percentage Net Loans Charged-off: Commercial and industrial0.2317%2,959
Percentage Net Loans Charged-off: Loans to individuals1.2580%1,556
Percentage Net Loans Charged-off: Credit card loans5.6248%279
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.1071%538
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1796%2,531
Percentage Net Loans Charged-off: Total real estate loans0.0092%2,954
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0008%1,209
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0163%2,394
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.0243%2,115
Percentage Net Loans Charged-off: Commercial and industrial0.1721%2,691
Percentage Net Loans Charged-off: Loans to individuals1.3798%1,254
Percentage Net Loans Charged-off: Credit card loans5.7311%268
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.0918%477
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1959%2,290
Percentage Net Loans Charged-off: Total real estate loans0.0229%2,187
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0022%942
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0404%1,703
Percentage Net Loans Charged-off: Home equity loans0.0010%427
All other 1-4 family - Percent of loans charged-off, net0.0602%1,452
Percentage Net Loans Charged-off: Commercial and industrial0.2016%2,211
Percentage Net Loans Charged-off: Loans to individuals1.3439%1,319
Percentage Net Loans Charged-off: Credit card loans5.6746%277
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.9910%459
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2194%1,839
Percentage Net Loans Charged-off: Total real estate loans0.0191%1,661
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0056%540
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0308%1,333
Percentage Net Loans Charged-off: Home equity loans0.0370%254
All other 1-4 family - Percent of loans charged-off, net0.0277%1,267
Percentage Net Loans Charged-off: Commercial and industrial0.3799%1,308
Percentage Net Loans Charged-off: Loans to individuals1.2302%1,501
Percentage Net Loans Charged-off: Credit card loans5.2757%365
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease1.0459%386
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2799%2,635
Percentage Net Loans Charged-off: Total real estate loans0.1327%1,539
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.2895%675
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0073%3,233
Percentage Net Loans Charged-off: Home equity loans-0.0167%5,997
All other 1-4 family - Percent of loans charged-off, net0.0194%2,785
Percentage Net Loans Charged-off: Commercial and industrial0.2090%3,600
Percentage Net Loans Charged-off: Loans to individuals1.0510%2,226
Percentage Net Loans Charged-off: Credit card loans4.7558%455
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.5222%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3070%2,097
Percentage Net Loans Charged-off: Total real estate loans0.1798%1,016
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.3968%449
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0056%2,775
Percentage Net Loans Charged-off: Home equity loans-0.0232%5,962
All other 1-4 family - Percent of loans charged-off, net0.0197%2,326
Percentage Net Loans Charged-off: Commercial and industrial0.2671%2,874
Percentage Net Loans Charged-off: Loans to individuals0.9450%2,305
Percentage Net Loans Charged-off: Credit card loans3.9215%609
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4483%934
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2150%2,647
Percentage Net Loans Charged-off: Total real estate loans0.0071%2,716
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0050%958
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0093%2,243
Percentage Net Loans Charged-off: Home equity loans-0.0366%5,948
All other 1-4 family - Percent of loans charged-off, net0.0313%1,805
Percentage Net Loans Charged-off: Commercial and industrial0.3579%2,279
Percentage Net Loans Charged-off: Loans to individuals0.9185%2,249
Percentage Net Loans Charged-off: Credit card loans4.2440%557
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.4900%795
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2301%2,138
Percentage Net Loans Charged-off: Total real estate loans0.0104%1,868
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 residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0200%1,448
Percentage Net Loans Charged-off: Home equity loans-0.0778%5,904
All other 1-4 family - Percent of loans charged-off, net0.0630%1,138
Percentage Net Loans Charged-off: Commercial and industrial0.7447%1,216
Percentage Net Loans Charged-off: Loans to individuals0.7741%2,434
Percentage Net Loans Charged-off: Credit card loans3.6595%617
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.2040%763
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2441%3,204
Percentage Net Loans Charged-off: Total real estate loans0.0055%3,885
Percentage Net Loans Charged-off:Construction & development0.1323%574
Percentage Net Loans Charged-off: Commercial real estate-0.0032%8,516
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residential0.0068%3,230
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0087%3,025
Percentage Net Loans Charged-off: Commercial and industrial0.0015%4,874
Percentage Net Loans Charged-off: Loans to individuals1.0390%2,276
Percentage Net Loans Charged-off: Credit card loans3.1435%900
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.6651%896
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2965%2,716
Percentage Net Loans Charged-off: Total real estate loans0.0062%3,682
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate-0.0343%8,909
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0366%2,339
Percentage Net Loans Charged-off: Home equity loans0.0560%477
All other 1-4 family - Percent of loans charged-off, net0.0331%2,291
Percentage Net Loans Charged-off: Commercial and industrial0.1152%4,088
Percentage Net Loans Charged-off: Loans to individuals0.9074%2,533
Percentage Net Loans Charged-off: Credit card loans1.4301%1,507
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.7535%813
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1893%3,285
Percentage Net Loans Charged-off: Total real estate loans0.0463%443
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate-0.0570%1,430
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.1152%217
Percentage Net Loans Charged-off: Home equity loans0.0810%236
All other 1-4 family - Percent of loans charged-off, net0.1209%205
Percentage Net Loans Charged-off: Commercial and industrial0.0595%923
Percentage Net Loans Charged-off: Loans to individuals0.5716%710
Percentage Net Loans Charged-off: Credit card loans1.6981%574
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3303%196
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1628%3,704
Percentage Net Loans Charged-off: Total real estate loans0.1212%224
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.2690%102
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0552%474
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net0.0632%400
Percentage Net Loans Charged-off: Commercial and industrial0.0395%903
Percentage Net Loans Charged-off: Loans to individuals0.4005%899
Percentage Net Loans Charged-off: Credit card loans1.7568%609
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1740%274
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1478%4,232
Percentage Net Loans Charged-off: Total real estate loans0.0857%332
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.1335%217
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0635%419
Percentage Net Loans Charged-off: Home equity loans0.1136%213
All other 1-4 family - Percent of loans charged-off, net0.0575%421
Percentage Net Loans Charged-off: Commercial and industrial0.0552%846
Percentage Net Loans Charged-off: Loans to individuals0.4435%885
Percentage Net Loans Charged-off: Credit card loans1.7672%657
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1614%272
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2105%3,674
Percentage Net Loans Charged-off: Total real estate loans0.0926%364
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate-0.0669%1,275
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.1855%177
Percentage Net Loans Charged-off: Home equity loans0.2938%128
All other 1-4 family - Percent of loans charged-off, net0.1745%175
Percentage Net Loans Charged-off: Commercial and industrial0.0080%875
Percentage Net Loans Charged-off: Loans to individuals0.8068%662
Percentage Net Loans Charged-off: Credit card loans2.8999%479
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0902%290
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1989%4,100
Percentage Net Loans Charged-off: Total real estate loans0.1803%296
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate0.2588%250
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.1448%277
Percentage Net Loans Charged-off: Home equity loans0.0205%376
All other 1-4 family - Percent of loans charged-off, net0.1586%251
Percentage Net Loans Charged-off: Commercial and industrial0.0460%797
Percentage Net Loans Charged-off: Loans to individuals0.4699%944
Percentage Net Loans Charged-off: Credit card loans1.7423%707
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0269%399
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0716%6,350
Percentage Net Loans Charged-off: Total real estate loans0.0415%709
Percentage Net Loans Charged-off:Construction & development0.0000%344
Percentage Net Loans Charged-off: Commercial real estate0.1058%454
Percentage Net Loans Charged-off: Multi-family residential0.0000%281
Percentage Net Loans Charged-off: 1-4 family residential0.0115%874
Percentage Net Loans Charged-off: Home equity loans0.0497%306
All other 1-4 family - Percent of loans charged-off, net0.0068%884
Percentage Net Loans Charged-off: Commercial and industrial0.0665%688
Percentage Net Loans Charged-off: Loans to individuals0.2110%1,107
Percentage Net Loans Charged-off: Credit card loans1.3114%723
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0059%421
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0483%7,072
Percentage Net Loans Charged-off: Total real estate loans0.0246%855
Percentage Net Loans Charged-off:Construction & development-0.1597%1,304
Percentage Net Loans Charged-off: Commercial real estate-0.0080%1,204
Percentage Net Loans Charged-off: Multi-family residential0.0000%332
Percentage Net Loans Charged-off: 1-4 family residential0.0490%582
Percentage Net Loans Charged-off: Home equity loans0.2732%127
All other 1-4 family - Percent of loans charged-off, net0.0196%771
Percentage Net Loans Charged-off: Commercial and industrial-0.0390%1,057
Percentage Net Loans Charged-off: Loans to individuals0.2287%983
Percentage Net Loans Charged-off: Credit card loans1.3578%616
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0365%315
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3690%3,564
Percentage Net Loans Charged-off: Total real estate loans0.0564%893
Percentage Net Loans Charged-off:Construction & development0.0000%485
Percentage Net Loans Charged-off: Commercial real estate0.0000%834
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.0819%565
Percentage Net Loans Charged-off: Home equity loans0.6972%74
All other 1-4 family - Percent of loans charged-off, net0.0000%1,053
Percentage Net Loans Charged-off: Commercial and industrial1.5524%277
Percentage Net Loans Charged-off: Loans to individuals0.4006%844
Percentage Net Loans Charged-off: Credit card loans1.0755%752
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.1536%291
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4940%4,307
Percentage Net Loans Charged-off: Total real estate loans0.0365%1,140
Percentage Net Loans Charged-off:Construction & development0.0000%639
Percentage Net Loans Charged-off: Commercial real estate0.1344%804
Percentage Net Loans Charged-off: Multi-family residential0.0000%418
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,178
Percentage Net Loans Charged-off: Home equity loans0.0000%487
All other 1-4 family - Percent of loans charged-off, net0.0000%1,124
Percentage Net Loans Charged-off: Commercial and industrial1.6670%405
Percentage Net Loans Charged-off: Loans to individuals0.8143%699
Percentage Net Loans Charged-off: Credit card loans1.1854%837
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.3317%247
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA