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Carolina Federal Savings Bank, Net charge- offs to loans

2012-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1146%3,428
Percentage Net Loans Charged-off: Total real estate loans0.1373%2,788
Percentage Net Loans Charged-off:Construction & development0.0000%1,402
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,722
Percentage Net Loans Charged-off: Multi-family residential0.0000%388
Percentage Net Loans Charged-off: 1-4 family residential0.2142%2,145
Percentage Net Loans Charged-off: Home equity loans0.0000%982
All other 1-4 family - Percent of loans charged-off, net0.2422%1,924
Percentage Net Loans Charged-off: Commercial and industrial-0.6349%6,671
Percentage Net Loans Charged-off: Loans to individuals-0.8412%6,822
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual-0.8412%6,768
Percentage Net Loans Charged-off: All other loans and lease0.0000%960
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.9190%162
Percentage Net Loans Charged-off: Total real estate loans3.9578%156
Percentage Net Loans Charged-off:Construction & development6.8146%711
Percentage Net Loans Charged-off: Commercial real estate0.8681%1,403
Percentage Net Loans Charged-off: Multi-family residential0.3633%795
Percentage Net Loans Charged-off: 1-4 family residential4.9337%107
Percentage Net Loans Charged-off: Home equity loans1.0001%843
All other 1-4 family - Percent of loans charged-off, net5.4677%109
Percentage Net Loans Charged-off: Commercial and industrial3.6364%641
Percentage Net Loans Charged-off: Loans to individuals1.8462%861
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.8106%762
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,720
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans4.4794%123
Percentage Net Loans Charged-off: Total real estate loans4.5214%126
Percentage Net Loans Charged-off:Construction & development6.7568%657
Percentage Net Loans Charged-off: Commercial real estate0.9677%1,085
Percentage Net Loans Charged-off: Multi-family residential0.4816%632
Percentage Net Loans Charged-off: 1-4 family residential5.7627%80
Percentage Net Loans Charged-off: Home equity loans1.3154%609
All other 1-4 family - Percent of loans charged-off, net6.3680%84
Percentage Net Loans Charged-off: Commercial and industrial4.9464%408
Percentage Net Loans Charged-off: Loans to individuals0.9773%1,576
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual0.9527%1,358
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,562
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans6.6034%66
Percentage Net Loans Charged-off: Total real estate loans6.6755%76
Percentage Net Loans Charged-off:Construction & development9.1854%457
Percentage Net Loans Charged-off: Commercial real estate1.4392%719
Percentage Net Loans Charged-off: Multi-family residential0.7180%475
Percentage Net Loans Charged-off: 1-4 family residential8.5930%46
Percentage Net Loans Charged-off: Home equity loans1.9481%435
All other 1-4 family - Percent of loans charged-off, net9.4991%42
Percentage Net Loans Charged-off: Commercial and industrial7.1789%252
Percentage Net Loans Charged-off: Loans to individuals1.1163%1,335
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.0777%1,115
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,354
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.4296%956
Percentage Net Loans Charged-off: Total real estate loans1.0789%1,134
Percentage Net Loans Charged-off:Construction & development7.7721%438
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,892
Percentage Net Loans Charged-off: Multi-family residential0.0000%440
Percentage Net Loans Charged-off: 1-4 family residential0.1382%2,499
Percentage Net Loans Charged-off: Home equity loans0.0000%1,026
All other 1-4 family - Percent of loans charged-off, net0.1569%2,262
Percentage Net Loans Charged-off: Commercial and industrial13.9104%104
Percentage Net Loans Charged-off: Loans to individuals2.1136%704
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individual1.9975%558
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,005
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans1.8605%1,116
Percentage Net Loans Charged-off: Total real estate loans1.8565%1,025
Percentage Net Loans Charged-off:Construction & development0.8015%2,645
Percentage Net Loans Charged-off: Commercial real estate0.0000%3,630
Percentage Net Loans Charged-off: Multi-family residential0.0000%1,098
Percentage Net Loans Charged-off: 1-4 family residential2.9300%369
Percentage Net Loans Charged-off: Home equity loans11.9691%55
All other 1-4 family - Percent of loans charged-off, net1.4468%967
Percentage Net Loans Charged-off: Commercial and industrial2.3845%1,415
Percentage Net Loans Charged-off: Loans to individuals1.3244%1,683
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.3303%757
Percentage Net Loans Charged-off: Total real estate loans2.3573%694
Percentage Net Loans Charged-off:Construction & development1.0290%2,257
Percentage Net Loans Charged-off: Commercial real estate0.0000%3,182
Percentage Net Loans Charged-off: Multi-family residential0.0000%888
Percentage Net Loans Charged-off: 1-4 family residential3.7262%233
Percentage Net Loans Charged-off: Home equity loans14.2991%42
All other 1-4 family - Percent of loans charged-off, net1.9220%629
Percentage Net Loans Charged-off: Commercial and industrial3.1160%975
Percentage Net Loans Charged-off: Loans to individuals-0.1304%7,061
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,786
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans2.3345%752
Percentage Net Loans Charged-off: Total real estate loans2.3068%700
Percentage Net Loans Charged-off:Construction & development0.0000%2,687
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,645
Percentage Net Loans Charged-off: Multi-family residential0.0000%710
Percentage Net Loans Charged-off: 1-4 family residential3.9636%222
Percentage Net Loans Charged-off: Home equity loans9.7087%67
All other 1-4 family - Percent of loans charged-off, net2.9168%378
Percentage Net Loans Charged-off: Commercial and industrial4.6372%620
Percentage Net Loans Charged-off: Loans to individuals0.3761%3,307
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,540
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.4963%406
Percentage Net Loans Charged-off: Total real estate loans3.4171%392
Percentage Net Loans Charged-off:Construction & development0.0000%2,022
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,882
Percentage Net Loans Charged-off: Multi-family residential0.0000%457
Percentage Net Loans Charged-off: 1-4 family residential5.9451%141
Percentage Net Loans Charged-off: Home equity loans9.9668%71
All other 1-4 family - Percent of loans charged-off, net5.1659%170
Percentage Net Loans Charged-off: Commercial and industrial9.0909%275
Percentage Net Loans Charged-off: Loans to individuals-0.7220%7,443
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,171
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0325%6,802
Percentage Net Loans Charged-off: Total real estate loans0.0040%5,882
Percentage Net Loans Charged-off:Construction & development0.0420%3,422
Percentage Net Loans Charged-off: Commercial real estate0.0000%3,404
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential-0.0074%7,598
Percentage Net Loans Charged-off: Home equity loans-0.0356%5,804
All other 1-4 family - Percent of loans charged-off, net0.0000%4,738
Percentage Net Loans Charged-off: Commercial and industrial0.0000%5,131
Percentage Net Loans Charged-off: Loans to individuals1.0884%2,525
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%2,150
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0257%6,523
Percentage Net Loans Charged-off: Total real estate loans0.0055%5,394
Percentage Net Loans Charged-off:Construction & development0.0560%3,012
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,820
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential-0.0101%7,630
Percentage Net Loans Charged-off: Home equity loans-0.0465%5,838
All other 1-4 family - Percent of loans charged-off, net0.0000%4,220
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,579
Percentage Net Loans Charged-off: Loans to individuals0.7467%3,040
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,898
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0039%6,561
Percentage Net Loans Charged-off: Total real estate loans-0.0041%7,653
Percentage Net Loans Charged-off:Construction & development0.0000%2,667
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,247
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential-0.0076%7,633
Percentage Net Loans Charged-off: Home equity loans-0.0339%5,857
All other 1-4 family - Percent of loans charged-off, net0.0000%3,607
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,950
Percentage Net Loans Charged-off: Loans to individuals0.2692%4,185
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,633
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0233%5,229
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,748
Percentage Net Loans Charged-off:Construction & development0.0000%1,865
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,395
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,745
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net0.0000%2,521
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,811
Percentage Net Loans Charged-off: Loans to individuals0.7777%2,398
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,234
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0372%6,280
Percentage Net Loans Charged-off: Total real estate loans0.0000%5,348
Percentage Net Loans Charged-off:Construction & development0.0000%2,850
Percentage Net Loans Charged-off: Commercial real estate0.0000%2,362
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential0.0000%4,222
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net0.0000%3,963
Percentage Net Loans Charged-off: Commercial and industrial0.3357%3,119
Percentage Net Loans Charged-off: Loans to individuals0.6811%3,111
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,901
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0196%5,953
Percentage Net Loans Charged-off: Total real estate loans0.0000%4,589
Percentage Net Loans Charged-off:Construction & development0.0000%2,246
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,766
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,509
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net0.0000%3,263
Percentage Net Loans Charged-off: Commercial and industrial0.4844%2,057
Percentage Net Loans Charged-off: Loans to individuals0.1840%4,547
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,634
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0000%5,998
Percentage Net Loans Charged-off: Total real estate loans-0.0046%7,698
Percentage Net Loans Charged-off:Construction & development0.0000%1,702
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,334
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential-0.0084%7,759
Percentage Net Loans Charged-off: Home equity loans-0.0291%5,967
All other 1-4 family - Percent of loans charged-off, net0.0000%2,615
Percentage Net Loans Charged-off: Commercial and industrial0.7299%1,320
Percentage Net Loans Charged-off: Loans to individuals-0.2596%7,761
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0174%7,312
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,687
Percentage Net Loans Charged-off:Construction & development0.0000%1,119
Percentage Net Loans Charged-off: Commercial real estate0.0000%813
Percentage Net Loans Charged-off: Multi-family residential0.0000%134
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,939
Percentage Net Loans Charged-off: Home equity loans0.0000%563
All other 1-4 family - Percent of loans charged-off, net0.0000%1,774
Percentage Net Loans Charged-off: Commercial and industrial2.2110%431
Percentage Net Loans Charged-off: Loans to individuals-1.2901%8,131
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4348%1,281
Percentage Net Loans Charged-off: Total real estate loans0.3933%726
Percentage Net Loans Charged-off:Construction & development0.0000%1,563
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,679
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.6469%408
Percentage Net Loans Charged-off: Home equity loans1.3621%131
All other 1-4 family - Percent of loans charged-off, net0.2286%1,097
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,946
Percentage Net Loans Charged-off: Loans to individuals1.0632%1,502
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,751
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5818%668
Percentage Net Loans Charged-off: Total real estate loans0.5363%308
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,176
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.8644%218
Percentage Net Loans Charged-off: Home equity loans1.7575%80
All other 1-4 family - Percent of loans charged-off, net0.3120%631
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,276
Percentage Net Loans Charged-off: Loans to individuals1.2679%1,058
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,521
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.6793%513
Percentage Net Loans Charged-off: Total real estate loans0.7704%177
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0000%881
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential1.2014%143
Percentage Net Loans Charged-off: Home equity loans2.5575%44
All other 1-4 family - Percent of loans charged-off, net0.3494%492
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,722
Percentage Net Loans Charged-off: Loans to individuals0.0525%4,469
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3906%793
Percentage Net Loans Charged-off: Total real estate loans0.5469%226
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate0.0000%529
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.8240%199
Percentage Net Loans Charged-off: Home equity loans2.1395%49
All other 1-4 family - Percent of loans charged-off, net0.0000%1,345
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,846
Percentage Net Loans Charged-off: Loans to individuals-0.8931%8,170
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3129%1,287
Percentage Net Loans Charged-off: Total real estate loans0.3223%437
Percentage Net Loans Charged-off:Construction & development-0.1837%7,821
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,308
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential0.5027%321
Percentage Net Loans Charged-off: Home equity loans0.6013%130
All other 1-4 family - Percent of loans charged-off, net0.4431%383
Percentage Net Loans Charged-off: Commercial and industrial0.0525%3,275
Percentage Net Loans Charged-off: Loans to individuals0.3299%3,732
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2771%1,189
Percentage Net Loans Charged-off: Total real estate loans0.2953%366
Percentage Net Loans Charged-off:Construction & development-0.2279%7,833
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,012
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential0.4731%292
Percentage Net Loans Charged-off: Home equity loans0.7736%81
All other 1-4 family - Percent of loans charged-off, net0.2930%484
Percentage Net Loans Charged-off: Commercial and industrial0.0658%2,608
Percentage Net Loans Charged-off: Loans to individuals0.2089%3,948
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1509%1,890
Percentage Net Loans Charged-off: Total real estate loans0.1647%664
Percentage Net Loans Charged-off:Construction & development-0.3199%7,815
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.3034%427
Percentage Net Loans Charged-off: Home equity loans0.6178%89
All other 1-4 family - Percent of loans charged-off, net0.1161%920
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,652
Percentage Net Loans Charged-off: Loans to individuals0.0986%4,257
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3083%905
Percentage Net Loans Charged-off: Total real estate loans-0.0888%8,379
Percentage Net Loans Charged-off:Construction & development-0.5842%7,778
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,349
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net0.0000%1,244
Percentage Net Loans Charged-off: Commercial and industrial0.5202%834
Percentage Net Loans Charged-off: Loans to individuals3.2648%282
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%911
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3194%1,446
Percentage Net Loans Charged-off: Total real estate loans0.1548%891
Percentage Net Loans Charged-off:Construction & development0.1227%369
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,340
Percentage Net Loans Charged-off: Multi-family residential3.3885%38
Percentage Net Loans Charged-off: 1-4 family residential0.1280%1,191
Percentage Net Loans Charged-off: Home equity loans0.5661%133
All other 1-4 family - Percent of loans charged-off, net-0.0947%8,423
Percentage Net Loans Charged-off: Commercial and industrial0.9783%1,159
Percentage Net Loans Charged-off: Loans to individuals1.1442%1,560
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3386%1,178
Percentage Net Loans Charged-off: Total real estate loans0.1541%805
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,046
Percentage Net Loans Charged-off: Multi-family residential4.4633%24
Percentage Net Loans Charged-off: 1-4 family residential0.1316%1,022
Percentage Net Loans Charged-off: Home equity loans0.3972%141
All other 1-4 family - Percent of loans charged-off, net0.0000%2,434
Percentage Net Loans Charged-off: Commercial and industrial1.0904%911
Percentage Net Loans Charged-off: Loans to individuals1.2198%1,269
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1722%2,063
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,541
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,147
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net0.0000%1,976
Percentage Net Loans Charged-off: Commercial and industrial0.9710%934
Percentage Net Loans Charged-off: Loans to individuals0.9315%1,691
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2975%1,144
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,814
Percentage Net Loans Charged-off:Construction & development0.0000%235
Percentage Net Loans Charged-off: Commercial real estate0.0000%511
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,540
Percentage Net Loans Charged-off: Home equity loans0.0000%338
All other 1-4 family - Percent of loans charged-off, net0.0000%1,404
Percentage Net Loans Charged-off: Commercial and industrial0.8131%802
Percentage Net Loans Charged-off: Loans to individuals1.8027%779
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%839
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1415%3,511
Percentage Net Loans Charged-off: Total real estate loans0.0369%2,594
Percentage Net Loans Charged-off:Construction & development0.0000%758
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,548
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0505%2,179
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.0743%1,829
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,271
Percentage Net Loans Charged-off: Loans to individuals0.6299%3,249
Percentage Net Loans Charged-off: Credit card loans0.0000%1,629
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1849%2,487
Percentage Net Loans Charged-off: Total real estate loans0.0865%1,481
Percentage Net Loans Charged-off:Construction & development0.0000%604
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,213
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.1180%1,228
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.1731%924
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,624
Percentage Net Loans Charged-off: Loans to individuals0.6336%2,888
Percentage Net Loans Charged-off: Credit card loans0.0000%1,504
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0886%3,598
Percentage Net Loans Charged-off: Total real estate loans0.0813%1,395
Percentage Net Loans Charged-off:Construction & development0.0000%464
Percentage Net Loans Charged-off: Commercial real estate0.0000%953
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.1110%1,166
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net0.1631%887
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,054
Percentage Net Loans Charged-off: Loans to individuals0.1359%4,953
Percentage Net Loans Charged-off: Credit card loans0.0000%1,362
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0558%8,041
Percentage Net Loans Charged-off: Total real estate loans0.0000%1,955
Percentage Net Loans Charged-off:Construction & development0.0000%286
Percentage Net Loans Charged-off: Commercial real estate0.0000%553
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,591
Percentage Net Loans Charged-off: Home equity loans0.0000%291
All other 1-4 family - Percent of loans charged-off, net0.0000%1,471
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,138
Percentage Net Loans Charged-off: Loans to individuals-0.2686%8,040
Percentage Net Loans Charged-off: Credit card loans0.0000%1,093
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3510%2,150
Percentage Net Loans Charged-off: Total real estate loans0.0452%2,647
Percentage Net Loans Charged-off:Construction & development0.0000%836
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,593
Percentage Net Loans Charged-off: Multi-family residential0.0000%186
Percentage Net Loans Charged-off: 1-4 family residential0.0611%2,189
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.0852%1,868
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,747
Percentage Net Loans Charged-off: Loans to individuals1.2936%1,697
Percentage Net Loans Charged-off: Credit card loans2.9378%875
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2384%2,590
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,474
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,919
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0000%2,778
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,156
Percentage Net Loans Charged-off: Loans to individuals0.9522%2,278
Percentage Net Loans Charged-off: Credit card loans2.6160%943
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1676%3,082
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,928
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,402
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.0000%2,287
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,532
Percentage Net Loans Charged-off: Loans to individuals0.6535%2,996
Percentage Net Loans Charged-off: Credit card loans1.5549%1,160
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans-0.0081%7,527
Percentage Net Loans Charged-off: Total real estate loans0.0000%2,066
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,648
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.0000%1,550
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,449
Percentage Net Loans Charged-off: Loans to individuals-0.0308%7,738
Percentage Net Loans Charged-off: Credit card loans-1.1369%2,688
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2262%3,390
Percentage Net Loans Charged-off: Total real estate loans0.0269%3,094
Percentage Net Loans Charged-off:Construction & development0.1691%541
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,573
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,443
Percentage Net Loans Charged-off: Home equity loans0.0000%614
All other 1-4 family - Percent of loans charged-off, net0.0000%3,246
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,878
Percentage Net Loans Charged-off: Loans to individuals0.6972%3,393
Percentage Net Loans Charged-off: Credit card loans1.4297%1,496
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4488%1,831
Percentage Net Loans Charged-off: Total real estate loans0.0000%3,994
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,436
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,307
Percentage Net Loans Charged-off: Home equity loans0.0000%610
All other 1-4 family - Percent of loans charged-off, net0.0000%3,123
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,805
Percentage Net Loans Charged-off: Loans to individuals1.1978%1,795
Percentage Net Loans Charged-off: Credit card loans2.7708%964
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1314%4,068
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2855%2,401
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA