Home > The Peoples State Bank > Net charge- offs to loans
The Peoples State Bank, Net charge- offs to loans
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0513% | 6,718 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1406% | 3,483 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,174 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0049% | 6,416 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 745 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.7683% | 1,165 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,549 |
| All other 1-4 family - Percent of loans charged-off, net | 0.8048% | 1,095 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.0636% | 6,723 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5932% | 1,942 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0748% | 590 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5544% | 1,878 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,486 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1078% | 4,104 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1924% | 2,959 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,922 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 593 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0370% | 861 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,330 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0767% | 829 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3399% | 6,475 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4612% | 2,145 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8157% | 605 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.4319% | 2,041 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,276 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2012-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2761% | 2,567 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3739% | 1,916 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,402 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0140% | 1,681 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 388 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.0002% | 393 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 982 |
| All other 1-4 family - Percent of loans charged-off, net | 2.0288% | 406 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2690% | 6,392 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8596% | 1,279 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6541% | 514 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.8773% | 1,137 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 960 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0593% | 5,714 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0249% | 5,339 |
| Percentage Net Loans Charged-off:Construction & development | -0.2604% | 6,510 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0477% | 3,344 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,014 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0634% | 4,372 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,926 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0642% | 4,209 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0234% | 4,112 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6481% | 2,358 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7460% | 801 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6177% | 2,159 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,720 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0688% | 5,268 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0279% | 4,930 |
| Percentage Net Loans Charged-off:Construction & development | -0.3131% | 6,557 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0331% | 2,971 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 856 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1512% | 3,435 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,690 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1530% | 3,288 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0665% | 3,474 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6492% | 2,167 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0015% | 693 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5899% | 2,011 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,562 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0724% | 4,922 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0023% | 4,817 |
| Percentage Net Loans Charged-off:Construction & development | -0.4470% | 6,600 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0590% | 2,432 |
| 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 | 0.1487% | 2,833 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8238% | 1,737 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0056% | 472 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.6714% | 1,700 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2011-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0929% | 4,013 |
| 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 | 0.3528% | 1,806 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7176% | 1,731 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6604% | 474 |
| Percentage Net Loans Charged-off: Other loans to individual | 0.5774% | 1,622 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,005 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4676% | 3,745 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2920% | 3,768 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,381 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3216% | 2,448 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 1,098 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.6266% | 1,964 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,940 |
| All other 1-4 family - Percent of loans charged-off, net | 0.6299% | 1,927 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0117% | 2,524 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8155% | 1,189 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4314% | 465 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4720% | 3,388 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3107% | 3,348 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,073 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4366% | 1,858 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 888 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3894% | 2,410 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,705 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3914% | 2,316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8474% | 2,407 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0464% | 1,026 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1834% | 475 |
| 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 | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5226% | 2,966 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3934% | 2,765 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,687 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6452% | 1,311 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 710 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2221% | 2,698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,414 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2232% | 2,584 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6928% | 2,367 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2757% | 900 |
| Percentage Net Loans Charged-off: Credit card loans | 4.9167% | 320 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1970% | 3,729 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0571% | 7,546 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,022 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,882 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3028% | 7,682 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 974 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3044% | 7,666 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8217% | 1,681 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1634% | 919 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2710% | 385 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6399% | 3,277 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2550% | 3,835 |
| Percentage Net Loans Charged-off:Construction & development | 2.6391% | 1,835 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0574% | 3,088 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1591% | 3,502 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1618% | 3,324 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.1246% | 1,801 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.9149% | 836 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0325% | 402 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4433% | 6,986 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.7410% | 2,511 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3189% | 3,035 |
| Percentage Net Loans Charged-off:Construction & development | 3.2377% | 1,359 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0621% | 2,487 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1501% | 3,137 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1532% | 2,964 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4348% | 1,297 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2032% | 710 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6584% | 348 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.5992% | 7,039 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2009-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5333% | 2,727 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4536% | 2,245 |
| Percentage Net Loans Charged-off:Construction & development | 4.3501% | 918 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0950% | 1,851 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1162% | 2,926 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1191% | 2,713 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0523% | 3,748 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.4982% | 612 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0628% | 454 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.9112% | 7,082 |
| 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 | 0.1795% | 3,565 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1006% | 2,900 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1943% | 962 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0240% | 7,739 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0248% | 7,725 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1820% | 7,423 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4056% | 923 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2932% | 574 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.6315% | 7,024 |
| 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 | 1.3502% | 870 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.5331% | 1,611 |
| Percentage Net Loans Charged-off:Construction & development | 0.6640% | 1,845 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3999% | 991 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3049% | 464 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 1.3488% | 437 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.1806% | 285 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1535% | 917 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2824% | 475 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0700% | 1,646 |
| 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 | 0.7502% | 1,161 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1098% | 2,834 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0017% | 1,748 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5307% | 867 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5472% | 791 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.0038% | 349 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8872% | 902 |
| Percentage Net Loans Charged-off: Credit card loans | 2.9396% | 466 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2506% | 1,088 |
| 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 | 0.7919% | 881 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1077% | 2,301 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0025% | 1,316 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5232% | 747 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5411% | 683 |
| Percentage Net Loans Charged-off: Commercial and industrial | 4.2555% | 287 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9075% | 816 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2478% | 312 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3393% | 886 |
| 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 | 0.5135% | 1,022 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2133% | 1,197 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0051% | 790 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0370% | 310 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 1.0742% | 280 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9251% | 844 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7351% | 515 |
| Percentage Net Loans Charged-off: Credit card loans | 6.0083% | 173 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6928% | 556 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2004% | 2,632 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0269% | 3,355 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0201% | 1,474 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0873% | 2,013 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0899% | 1,886 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1048% | 7,525 |
| Percentage Net Loans Charged-off: Loans to individuals | 3.2201% | 272 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7705% | 434 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0284% | 1,617 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1636% | 2,321 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0225% | 2,625 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0271% | 985 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0507% | 1,882 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0520% | 1,749 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1289% | 7,492 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.7611% | 338 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0246% | 387 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0407% | 1,366 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1023% | 2,719 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0168% | 2,255 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| 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 | 0.0830% | 1,299 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0848% | 1,191 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1803% | 7,575 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8959% | 581 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9476% | 751 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0704% | 1,147 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0224% | 3,644 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0362% | 1,345 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| 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 | 0.1835% | 654 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1877% | 610 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7103% | 7,974 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2078% | 1,051 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6465% | 713 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1456% | 756 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8481% | 369 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.8903% | 117 |
| Percentage Net Loans Charged-off:Construction & development | 5.8505% | 25 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,308 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1949% | 849 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2007% | 812 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4299% | 1,764 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8780% | 610 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2371% | 535 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0310% | 1,478 |
| 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 | 1.1121% | 199 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.2175% | 50 |
| Percentage Net Loans Charged-off:Construction & development | 8.4676% | 15 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,012 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2697% | 525 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2779% | 506 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5826% | 1,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7804% | 584 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3374% | 480 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0424% | 1,266 |
| 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 | 1.5548% | 138 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.8111% | 32 |
| Percentage Net Loans Charged-off:Construction & development | 14.7038% | 8 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,021 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,880 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8820% | 834 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0713% | 1,180 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7113% | 843 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0617% | 7,860 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,638 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 498 |
| 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 | -0.1825% | 7,611 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.6044% | 8,028 |
| Percentage Net Loans Charged-off: Credit card loans | 1.0782% | 665 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3611% | 1,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0459% | 2,045 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,340 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2621% | 635 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2765% | 632 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3921% | 857 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2663% | 529 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1489% | 538 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4433% | 867 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0627% | 1,514 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,046 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3618% | 397 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3827% | 388 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9910% | 521 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1635% | 524 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4284% | 904 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5604% | 645 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0068% | 7,731 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 810 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 3.4680% | 292 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8912% | 672 |
| Percentage Net Loans Charged-off: Credit card loans | 1.6053% | 787 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1371% | 2,052 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,814 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 511 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,540 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,404 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1976% | 1,432 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5838% | 923 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2214% | 739 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| 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 | 0.1215% | 3,838 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0046% | 3,669 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0068% | 1,497 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0052% | 3,104 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0056% | 2,928 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1881% | 3,163 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3249% | 1,448 |
| Percentage Net Loans Charged-off: Credit card loans | 7.4193% | 189 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,643 |
| 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 | 0.1499% | 2,886 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0049% | 3,133 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0115% | 1,136 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,599 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2633% | 2,374 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5826% | 1,021 |
| Percentage Net Loans Charged-off: Credit card loans | 8.5910% | 141 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,414 |
| 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 | 0.1429% | 2,807 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 2,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 953 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,286 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,147 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4679% | 1,641 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1869% | 1,534 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3678% | 305 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0758% | 3,207 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0987% | 1,843 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8368% | 2,110 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9782% | 766 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| 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 | 0.0055% | 7,190 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0871% | 8,777 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0603% | 8,624 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.3167% | 8,910 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.3330% | 8,903 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1760% | 8,151 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0260% | 2,291 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0419% | 415 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1774% | 1,386 |
| 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 | -0.0970% | 8,813 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1876% | 8,946 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2079% | 8,792 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.4309% | 8,976 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | -0.4517% | 8,969 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2715% | 8,240 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7790% | 2,770 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6792% | 468 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2668% | 1,097 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0212% | 5,719 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0062% | 2,758 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0038% | 8,419 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0633% | 1,539 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0658% | 1,481 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3822% | 8,313 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4115% | 3,934 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9610% | 601 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5171% | 777 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -0.0369% | 8,139 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0128% | 8,406 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0078% | 8,587 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0517% | 8,740 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0532% | 8,751 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.7022% | 8,492 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4863% | 3,231 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7933% | 593 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 993 |
| 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 | 0.3622% | 2,314 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4578% | 468 |
| Percentage Net Loans Charged-off:Construction & development | -0.1044% | 8,141 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.9028% | 318 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0749% | 1,966 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0765% | 1,891 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3065% | 8,472 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4648% | 4,486 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0102% | 942 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1839% | 1,462 |
| 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 | 0.3943% | 2,084 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0153% | 8,719 |
| Percentage Net Loans Charged-off:Construction & development | -0.0334% | 8,219 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0148% | 8,808 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0055% | 8,617 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0059% | 8,639 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3944% | 1,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2340% | 1,718 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9719% | 631 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0133% | 1,845 |
| 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 | 0.6907% | 902 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1168% | 4,483 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.3477% | 398 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 1.6402% | 317 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6376% | 1,314 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4816% | 1,752 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2401% | 3,560 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6921% | 1,980 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8840% | 2,457 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |