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Charter Bank, Net charge- offs to loans

2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans3.8655%440
Percentage Net Loans Charged-off: Total real estate loans3.9205%400
Percentage Net Loans Charged-off:Construction & development10.4837%569
Percentage Net Loans Charged-off: Commercial real estate1.6678%698
Percentage Net Loans Charged-off: Multi-family residential1.8804%442
Percentage Net Loans Charged-off: 1-4 family residential1.1550%1,153
Percentage Net Loans Charged-off: Home equity loans-11.1472%5,866
All other 1-4 family - Percent of loans charged-off, net1.8199%740
Percentage Net Loans Charged-off: Commercial and industrial2.5514%1,536
Percentage Net Loans Charged-off: Loans to individuals9.7250%164
Percentage Net Loans Charged-off: Credit card loans3.6792%552
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 loans4.9779%230
Percentage Net Loans Charged-off: Total real estate loans5.2193%185
Percentage Net Loans Charged-off:Construction & development15.5004%279
Percentage Net Loans Charged-off: Commercial real estate-0.1970%7,808
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential1.1086%987
Percentage Net Loans Charged-off: Home equity loans-0.6415%5,893
All other 1-4 family - Percent of loans charged-off, net1.1982%901
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,579
Percentage Net Loans Charged-off: Loans to individuals12.2243%108
Percentage Net Loans Charged-off: Credit card loans4.7059%405
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 loans2.5642%666
Percentage Net Loans Charged-off: Total real estate loans2.6793%515
Percentage Net Loans Charged-off:Construction & development8.4800%523
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 residential0.1150%2,937
Percentage Net Loans Charged-off: Home equity loans0.0000%1,287
All other 1-4 family - Percent of loans charged-off, net0.1207%2,699
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,950
Percentage Net Loans Charged-off: Loans to individuals14.4433%96
Percentage Net Loans Charged-off: Credit card loans7.9530%239
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 loans2.7517%477
Percentage Net Loans Charged-off: Total real estate loans2.8645%387
Percentage Net Loans Charged-off:Construction & development9.0862%331
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 residential0.0430%2,502
Percentage Net Loans Charged-off: Home equity loans0.0000%827
All other 1-4 family - Percent of loans charged-off, net0.0450%2,293
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,811
Percentage Net Loans Charged-off: Loans to individuals20.8104%48
Percentage Net Loans Charged-off: Credit card loans0.0000%800
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 loans0.4815%2,430
Percentage Net Loans Charged-off: Total real estate loans0.4984%1,694
Percentage Net Loans Charged-off:Construction & development1.4729%1,303
Percentage Net Loans Charged-off: Commercial real estate-0.0115%7,748
Percentage Net Loans Charged-off: Multi-family residential0.0000%546
Percentage Net Loans Charged-off: 1-4 family residential0.0652%3,246
Percentage Net Loans Charged-off: Home equity loans0.0000%1,398
All other 1-4 family - Percent of loans charged-off, net0.0677%3,030
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,624
Percentage Net Loans Charged-off: Loans to individuals3.9658%389
Percentage Net Loans Charged-off: Credit card loans3.5129%436
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 loans0.6154%1,392
Percentage Net Loans Charged-off: Total real estate loans0.6397%972
Percentage Net Loans Charged-off:Construction & development1.9665%724
Percentage Net Loans Charged-off: Commercial real estate-0.0156%7,798
Percentage Net Loans Charged-off: Multi-family residential0.0000%377
Percentage Net Loans Charged-off: 1-4 family residential0.0520%2,808
Percentage Net Loans Charged-off: Home equity loans0.0000%1,108
All other 1-4 family - Percent of loans charged-off, net0.0540%2,590
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,892
Percentage Net Loans Charged-off: Loans to individuals2.1776%742
Percentage Net Loans Charged-off: Credit card loans2.3704%550
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 loans0.8258%849
Percentage Net Loans Charged-off: Total real estate loans0.8586%588
Percentage Net Loans Charged-off:Construction & development2.7854%409
Percentage Net Loans Charged-off: Commercial real estate-0.0237%7,889
Percentage Net Loans Charged-off: Multi-family residential0.0000%250
Percentage Net Loans Charged-off: 1-4 family residential0.0199%2,630
Percentage Net Loans Charged-off: Home equity loans0.0000%889
All other 1-4 family - Percent of loans charged-off, net0.0206%2,418
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,159
Percentage Net Loans Charged-off: Loans to individuals2.2829%647
Percentage Net Loans Charged-off: Credit card loans3.6073%363
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2932%1,670
Percentage Net Loans Charged-off: Total real estate loans0.3021%972
Percentage Net Loans Charged-off:Construction & development1.0292%443
Percentage Net Loans Charged-off: Commercial real estate-0.0391%8,003
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 industrial0.0000%2,192
Percentage Net Loans Charged-off: Loans to individuals2.9121%477
Percentage Net Loans Charged-off: Credit card loans0.0000%761
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0025%6,477
Percentage Net Loans Charged-off: Total real estate loans-0.0023%7,841
Percentage Net Loans Charged-off:Construction & development0.0023%1,561
Percentage Net Loans Charged-off: Commercial real estate-0.0285%8,241
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.0000%3,352
Percentage Net Loans Charged-off: Home equity loans0.0000%938
All other 1-4 family - Percent of loans charged-off, net0.0000%3,111
Percentage Net Loans Charged-off: Commercial and industrial0.0324%3,698
Percentage Net Loans Charged-off: Loans to individuals2.2333%526
Percentage Net Loans Charged-off: Credit card loans0.0000%1,217
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 loans0.0027%5,921
Percentage Net Loans Charged-off: Total real estate loans-0.0034%7,584
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate-0.0322%7,971
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,699
Percentage Net Loans Charged-off: Home equity loans0.0000%720
All other 1-4 family - Percent of loans charged-off, net0.0000%2,489
Percentage Net Loans Charged-off: Commercial and industrial0.0446%2,946
Percentage Net Loans Charged-off: Loans to individuals2.4686%403
Percentage Net Loans Charged-off: Credit card loans0.0000%1,103
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 loans0.0053%5,216
Percentage Net Loans Charged-off: Total real estate loans-0.0032%7,516
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate-0.0299%7,995
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0000%2,135
Percentage Net Loans Charged-off: Home equity loans0.0000%541
All other 1-4 family - Percent of loans charged-off, net0.0000%1,964
Percentage Net Loans Charged-off: Commercial and industrial0.0757%2,297
Percentage Net Loans Charged-off: Loans to individuals3.1420%258
Percentage Net Loans Charged-off: Credit card loans0.0000%965
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 loans0.0099%4,110
Percentage Net Loans Charged-off: Total real estate loans-0.0033%7,546
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate-0.0302%8,065
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.0000%1,473
Percentage Net Loans Charged-off: Home equity loans0.0000%371
All other 1-4 family - Percent of loans charged-off, net0.0000%1,345
Percentage Net Loans Charged-off: Commercial and industrial0.0469%1,686
Percentage Net Loans Charged-off: Loans to individuals5.9822%93
Percentage Net Loans Charged-off: Credit card loans0.0000%790
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 loans-0.0508%8,206
Percentage Net Loans Charged-off: Total real estate loans-0.0550%8,297
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate-0.1469%8,232
Percentage Net Loans Charged-off: Multi-family residential0.0000%200
Percentage Net Loans Charged-off: 1-4 family residential-0.0652%8,254
Percentage Net Loans Charged-off: Home equity loans0.0000%709
All other 1-4 family - Percent of loans charged-off, net-0.0682%8,222
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,710
Percentage Net Loans Charged-off: Loans to individuals1.1573%1,219
Percentage Net Loans Charged-off: Credit card loans0.0000%1,256
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 loans-0.0695%8,217
Percentage Net Loans Charged-off: Total real estate loans-0.0743%8,334
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate-0.1937%8,305
Percentage Net Loans Charged-off: Multi-family residential0.0000%150
Percentage Net Loans Charged-off: 1-4 family residential-0.0887%8,313
Percentage Net Loans Charged-off: Home equity loans0.0000%550
All other 1-4 family - Percent of loans charged-off, net-0.0930%8,284
Percentage Net Loans Charged-off: Commercial and industrial0.0000%3,095
Percentage Net Loans Charged-off: Loans to individuals1.0637%1,213
Percentage Net Loans Charged-off: Credit card loans0.0000%1,137
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 loans-0.1009%8,264
Percentage Net Loans Charged-off: Total real estate loans-0.1065%8,398
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate-0.2117%8,340
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.1363%8,392
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net-0.1430%8,366
Percentage Net Loans Charged-off: Commercial and industrial0.0000%2,652
Percentage Net Loans Charged-off: Loans to individuals0.7734%1,636
Percentage Net Loans Charged-off: Credit card loans0.0000%1,005
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 loans-0.1955%8,379
Percentage Net Loans Charged-off: Total real estate loans-0.2051%8,514
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate-0.2674%8,377
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential-0.2824%8,500
Percentage Net Loans Charged-off: Home equity loans0.0000%311
All other 1-4 family - Percent of loans charged-off, net-0.2970%8,471
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,732
Percentage Net Loans Charged-off: Loans to individuals0.9867%1,303
Percentage Net Loans Charged-off: Credit card loans0.0000%826
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 loans-0.2157%8,627
Percentage Net Loans Charged-off: Total real estate loans-0.2108%8,600
Percentage Net Loans Charged-off:Construction & development0.0000%694
Percentage Net Loans Charged-off: Commercial real estate-0.1191%8,328
Percentage Net Loans Charged-off: Multi-family residential0.0000%187
Percentage Net Loans Charged-off: 1-4 family residential-0.3067%8,579
Percentage Net Loans Charged-off: Home equity loans0.0000%682
All other 1-4 family - Percent of loans charged-off, net-0.3269%8,552
Percentage Net Loans Charged-off: Commercial and industrial-0.4431%8,047
Percentage Net Loans Charged-off: Loans to individuals1.1286%1,587
Percentage Net Loans Charged-off: Credit card loans13.3820%52
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 loans-0.2893%8,651
Percentage Net Loans Charged-off: Total real estate loans-0.2814%8,630
Percentage Net Loans Charged-off:Construction & development0.0000%541
Percentage Net Loans Charged-off: Commercial real estate-0.0772%8,289
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential-0.4219%8,610
Percentage Net Loans Charged-off: Home equity loans0.0000%562
All other 1-4 family - Percent of loans charged-off, net-0.4513%8,586
Percentage Net Loans Charged-off: Commercial and industrial-0.5816%8,087
Percentage Net Loans Charged-off: Loans to individuals1.0583%1,518
Percentage Net Loans Charged-off: Credit card loans10.0313%74
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 loans-0.4396%8,697
Percentage Net Loans Charged-off: Total real estate loans-0.4249%8,667
Percentage Net Loans Charged-off:Construction & development0.0000%425
Percentage Net Loans Charged-off: Commercial real estate0.0000%810
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential-0.6560%8,647
Percentage Net Loans Charged-off: Home equity loans0.0000%450
All other 1-4 family - Percent of loans charged-off, net-0.7034%8,632
Percentage Net Loans Charged-off: Commercial and industrial-0.9371%8,182
Percentage Net Loans Charged-off: Loans to individuals1.2693%1,182
Percentage Net Loans Charged-off: Credit card loans15.3846%48
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 loans-0.0466%7,797
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 industrial-1.2867%8,286
Percentage Net Loans Charged-off: Loans to individuals0.9340%1,613
Percentage Net Loans Charged-off: Credit card loans26.3158%35
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 loans0.3222%1,780
Percentage Net Loans Charged-off: Total real estate loans0.3151%576
Percentage Net Loans Charged-off:Construction & development0.0097%701
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 residential0.5134%365
Percentage Net Loans Charged-off: Home equity loans0.0000%657
All other 1-4 family - Percent of loans charged-off, net0.5599%334
Percentage Net Loans Charged-off: Commercial and industrial0.2719%2,828
Percentage Net Loans Charged-off: Loans to individuals1.9309%812
Percentage Net Loans Charged-off: Credit card loans0.6570%1,461
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 loans0.4557%1,068
Percentage Net Loans Charged-off: Total real estate loans0.4260%347
Percentage Net Loans Charged-off:Construction & development0.0134%559
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 residential0.6984%234
Percentage Net Loans Charged-off: Home equity loans0.0000%554
All other 1-4 family - Percent of loans charged-off, net0.7639%211
Percentage Net Loans Charged-off: Commercial and industrial0.8438%1,289
Percentage Net Loans Charged-off: Loans to individuals2.5714%463
Percentage Net Loans Charged-off: Credit card loans0.7376%1,339
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 loans0.6369%707
Percentage Net Loans Charged-off: Total real estate loans0.6540%205
Percentage Net Loans Charged-off:Construction & development0.0208%418
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 residential1.0798%134
Percentage Net Loans Charged-off: Home equity loans0.0000%431
All other 1-4 family - Percent of loans charged-off, net1.1887%119
Percentage Net Loans Charged-off: Commercial and industrial-0.2025%7,830
Percentage Net Loans Charged-off: Loans to individuals3.5404%307
Percentage Net Loans Charged-off: Credit card loans0.8798%1,180
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 loans0.0103%4,785
Percentage Net Loans Charged-off: Total real estate loans0.0090%1,814
Percentage Net Loans Charged-off:Construction & development0.0419%239
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 individuals0.2307%3,836
Percentage Net Loans Charged-off: Credit card loans1.2461%913
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 loans0.0827%5,152
Percentage Net Loans Charged-off: Total real estate loans0.0425%2,703
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 residential0.0672%2,118
Percentage Net Loans Charged-off: Home equity loans0.0000%639
All other 1-4 family - Percent of loans charged-off, net0.0714%2,018
Percentage Net Loans Charged-off: Commercial and industrial0.8849%1,846
Percentage Net Loans Charged-off: Loans to individuals0.0636%6,664
Percentage Net Loans Charged-off: Credit card loans2.2665%1,085
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 loans0.1058%4,194
Percentage Net Loans Charged-off: Total real estate loans0.0516%2,125
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 residential0.0801%1,633
Percentage Net Loans Charged-off: Home equity loans0.0000%519
All other 1-4 family - Percent of loans charged-off, net0.0840%1,573
Percentage Net Loans Charged-off: Commercial and industrial1.1949%1,238
Percentage Net Loans Charged-off: Loans to individuals0.0717%6,187
Percentage Net Loans Charged-off: Credit card loans5.3002%381
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 loans0.1712%3,050
Percentage Net Loans Charged-off: Total real estate loans0.0783%1,559
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 residential0.1204%1,165
Percentage Net Loans Charged-off: Home equity loans0.0000%421
All other 1-4 family - Percent of loans charged-off, net0.1239%1,128
Percentage Net Loans Charged-off: Commercial and industrial2.0266%756
Percentage Net Loans Charged-off: Loans to individuals0.0839%5,650
Percentage Net Loans Charged-off: Credit card loans6.3627%296
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2785%1,876
Percentage Net Loans Charged-off: Total real estate loans0.1593%824
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 residential0.2444%603
Percentage Net Loans Charged-off: Home equity loans0.0000%277
All other 1-4 family - Percent of loans charged-off, net0.2506%598
Percentage Net Loans Charged-off: Commercial and industrial2.8908%434
Percentage Net Loans Charged-off: Loans to individuals0.0355%4,952
Percentage Net Loans Charged-off: Credit card loans4.0404%561
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 loans0.0985%5,186
Percentage Net Loans Charged-off: Total real estate loans0.0063%3,853
Percentage Net Loans Charged-off:Construction & development0.0000%875
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 residential0.0098%3,125
Percentage Net Loans Charged-off: Home equity loans0.2367%266
All other 1-4 family - Percent of loans charged-off, net0.0055%3,107
Percentage Net Loans Charged-off: Commercial and industrial1.9921%1,068
Percentage Net Loans Charged-off: Loans to individuals0.0596%6,857
Percentage Net Loans Charged-off: Credit card loans0.0706%1,945
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 loans0.1313%4,558
Percentage Net Loans Charged-off: Total real estate loans0.1447%1,283
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 residential0.2191%875
Percentage Net Loans Charged-off: Home equity loans0.6813%149
All other 1-4 family - Percent of loans charged-off, net0.2082%890
Percentage Net Loans Charged-off: Commercial and industrial0.0000%4,805
Percentage Net Loans Charged-off: Loans to individuals0.0224%7,174
Percentage Net Loans Charged-off: Credit card loans1.0309%1,710
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 loans-0.1605%9,632
Percentage Net Loans Charged-off: Total real estate loans-0.1778%1,544
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.0000%426
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential-0.2507%1,538
Percentage Net Loans Charged-off: Home equity loans0.0000%364
All other 1-4 family - Percent of loans charged-off, net-0.2564%1,532
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,037
Percentage Net Loans Charged-off: Loans to individuals0.0241%1,331
Percentage Net Loans Charged-off: Credit card loans0.0000%977
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0763%5,361
Percentage Net Loans Charged-off: Total real estate loans0.0632%384
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.0000%415
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential0.0871%337
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net0.0895%319
Percentage Net Loans Charged-off: Commercial and industrial0.0000%1,003
Percentage Net Loans Charged-off: Loans to individuals0.2632%1,055
Percentage Net Loans Charged-off: Credit card loans0.0000%985
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0490%6,420
Percentage Net Loans Charged-off: Total real estate loans0.0543%447
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate0.0000%457
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0730%378
Percentage Net Loans Charged-off: Home equity loans0.0000%385
All other 1-4 family - Percent of loans charged-off, net0.0749%342
Percentage Net Loans Charged-off: Commercial and industrial0.0558%844
Percentage Net Loans Charged-off: Loans to individuals-0.0041%1,436
Percentage Net Loans Charged-off: Credit card loans0.0000%973
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0400%7,040
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
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0414%7,261
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
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0687%6,440
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4587%1,977
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0165%9,347
Percentage Net Loans Charged-off: Total real estate loansNANA
Percentage Net Loans Charged-off:Construction & developmentNANA
Percentage Net Loans Charged-off: Commercial real estateNANA
Percentage Net Loans Charged-off: Multi-family residentialNANA
Percentage Net Loans Charged-off: 1-4 family residentialNANA
Percentage Net Loans Charged-off: Home equity loansNANA
All other 1-4 family - Percent of loans charged-off, netNANA
Percentage Net Loans Charged-off: Commercial and industrialNANA
Percentage Net Loans Charged-off: Loans to individualsNANA
Percentage Net Loans Charged-off: Credit card loansNANA
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1266%8,390
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