Home > Citizens First National Bank > Net charge- offs to loans
Citizens First National Bank, Net charge- offs to loans
| 2012-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 5.1476% | 37 |
| Percentage Net Loans Charged-off: Total real estate loans | 5.5011% | 29 |
| Percentage Net Loans Charged-off:Construction & development | 43.9562% | 29 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.3940% | 598 |
| Percentage Net Loans Charged-off: Multi-family residential | -5.2751% | 5,649 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4619% | 261 |
| Percentage Net Loans Charged-off: Home equity loans | 2.5484% | 240 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4401% | 290 |
| Percentage Net Loans Charged-off: Commercial and industrial | 8.1640% | 138 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6795% | 752 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.6795% | 670 |
| 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 | 6.2990% | 30 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.0408% | 24 |
| Percentage Net Loans Charged-off:Construction & development | 51.2088% | 26 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.6934% | 483 |
| Percentage Net Loans Charged-off: Multi-family residential | -7.5433% | 5,654 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.5412% | 266 |
| Percentage Net Loans Charged-off: Home equity loans | 3.1318% | 187 |
| All other 1-4 family - Percent of loans charged-off, net | 2.3924% | 312 |
| Percentage Net Loans Charged-off: Commercial and industrial | 6.8981% | 215 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4460% | 895 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 1.4460% | 805 |
| 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 | 0.4999% | 1,838 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4829% | 1,632 |
| Percentage Net Loans Charged-off:Construction & development | -6.5915% | 6,522 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.0995% | 629 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.9541% | 246 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.6493% | 261 |
| Percentage Net Loans Charged-off: Home equity loans | 1.8848% | 310 |
| All other 1-4 family - Percent of loans charged-off, net | 2.8422% | 261 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.3001% | 841 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9877% | 1,154 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.9877% | 1,035 |
| 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 | 7.6858% | 17 |
| Percentage Net Loans Charged-off: Total real estate loans | 8.9947% | 13 |
| Percentage Net Loans Charged-off:Construction & development | 26.9080% | 87 |
| Percentage Net Loans Charged-off: Commercial real estate | 7.8822% | 37 |
| Percentage Net Loans Charged-off: Multi-family residential | 6.5555% | 170 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.3400% | 248 |
| Percentage Net Loans Charged-off: Home equity loans | 1.4928% | 602 |
| All other 1-4 family - Percent of loans charged-off, net | 3.7993% | 229 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.8671% | 234 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3104% | 3,489 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.2843% | 3,342 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0112% | 1,671 |
| 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 | 6.1412% | 53 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.0469% | 43 |
| Percentage Net Loans Charged-off:Construction & development | 22.5263% | 121 |
| Percentage Net Loans Charged-off: Commercial real estate | 5.1522% | 109 |
| Percentage Net Loans Charged-off: Multi-family residential | 9.6628% | 105 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.6031% | 212 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3644% | 595 |
| All other 1-4 family - Percent of loans charged-off, net | 4.1586% | 188 |
| Percentage Net Loans Charged-off: Commercial and industrial | 7.7658% | 211 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1981% | 6,761 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.1551% | 6,654 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0148% | 1,494 |
| 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 | 5.9731% | 84 |
| Percentage Net Loans Charged-off: Total real estate loans | 7.3464% | 61 |
| Percentage Net Loans Charged-off:Construction & development | 19.0854% | 171 |
| Percentage Net Loans Charged-off: Commercial real estate | 6.8163% | 88 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.8556% | 108 |
| Percentage Net Loans Charged-off: 1-4 family residential | 3.9728% | 214 |
| Percentage Net Loans Charged-off: Home equity loans | 1.5326% | 533 |
| All other 1-4 family - Percent of loans charged-off, net | 4.5753% | 187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.5233% | 833 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0179% | 4,085 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | 0.0154% | 3,929 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0390% | 1,230 |
| 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 | 0.9672% | 1,389 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9781% | 1,223 |
| Percentage Net Loans Charged-off:Construction & development | 0.6693% | 1,309 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8062% | 877 |
| Percentage Net Loans Charged-off: Multi-family residential | -1.3459% | 5,781 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.8640% | 553 |
| Percentage Net Loans Charged-off: Home equity loans | 0.8906% | 591 |
| All other 1-4 family - Percent of loans charged-off, net | 2.1013% | 475 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4962% | 711 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.4076% | 6,849 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | -0.3275% | 6,809 |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0756% | 853 |
| 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 | 3.0641% | 530 |
| Percentage Net Loans Charged-off: Total real estate loans | 3.8189% | 319 |
| Percentage Net Loans Charged-off:Construction & development | 13.8396% | 339 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.6034% | 1,838 |
| Percentage Net Loans Charged-off: Multi-family residential | 44.7343% | 22 |
| Percentage Net Loans Charged-off: 1-4 family residential | 2.4345% | 485 |
| Percentage Net Loans Charged-off: Home equity loans | 2.1813% | 441 |
| All other 1-4 family - Percent of loans charged-off, net | 2.4981% | 512 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.7636% | 1,811 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7398% | 2,702 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,993 |
| 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 | 1.2021% | 1,695 |
| Percentage Net Loans Charged-off: Total real estate loans | 1.4563% | 1,234 |
| Percentage Net Loans Charged-off:Construction & development | 5.6481% | 1,001 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2552% | 2,278 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.5506% | 131 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.8848% | 1,384 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0280% | 1,672 |
| All other 1-4 family - Percent of loans charged-off, net | 1.1028% | 1,136 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8364% | 2,424 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1350% | 1,776 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,786 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2010-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6984% | 2,470 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.7646% | 1,942 |
| Percentage Net Loans Charged-off:Construction & development | 1.2207% | 1,900 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1882% | 2,030 |
| Percentage Net Loans Charged-off: Multi-family residential | 17.5156% | 69 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.0436% | 1,141 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0480% | 1,365 |
| All other 1-4 family - Percent of loans charged-off, net | 1.2968% | 933 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9922% | 2,021 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4643% | 3,037 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,540 |
| 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 | 0.6781% | 2,135 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.9078% | 1,473 |
| Percentage Net Loans Charged-off:Construction & development | 2.6743% | 1,078 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2087% | 1,433 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 457 |
| Percentage Net Loans Charged-off: 1-4 family residential | 1.3587% | 801 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0240% | 962 |
| All other 1-4 family - Percent of loans charged-off, net | 1.7033% | 646 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1900% | 2,428 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7470% | 2,169 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,171 |
| 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 | 0.5177% | 3,707 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1127% | 4,712 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1181% | 2,784 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 922 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1702% | 3,429 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,916 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2126% | 3,040 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2312% | 2,597 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.0723% | 388 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 2,150 |
| 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 | 0.4025% | 3,643 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0792% | 4,505 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 3,101 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0711% | 2,455 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 708 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1417% | 3,208 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,611 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1760% | 2,810 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8913% | 2,506 |
| Percentage Net Loans Charged-off: Loans to individuals | 4.6084% | 411 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,898 |
| 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 | 0.3953% | 3,222 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0808% | 3,942 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,667 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0467% | 2,033 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 531 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1731% | 2,613 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,287 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2136% | 2,278 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7150% | 2,342 |
| Percentage Net Loans Charged-off: Loans to individuals | 5.8272% | 312 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,633 |
| 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 | 0.1892% | 3,501 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1353% | 2,673 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,865 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0431% | 1,255 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 309 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3269% | 1,546 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 827 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4010% | 1,304 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1980% | 2,282 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0336% | 1,125 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,234 |
| 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 | 0.1529% | 4,670 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0198% | 4,889 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,850 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 2,362 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 546 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0526% | 3,404 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,398 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0626% | 3,079 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4058% | 2,934 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2660% | 1,772 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,901 |
| 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 | 0.1389% | 3,912 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0035% | 4,490 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,766 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0093% | 3,372 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 1,108 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0110% | 3,120 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3905% | 2,279 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2571% | 1,475 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,634 |
| 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 | 0.1822% | 2,898 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0013% | 3,770 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,334 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0035% | 2,809 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 889 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0041% | 2,579 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5763% | 1,522 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2990% | 1,303 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,409 |
| 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 | 0.2642% | 1,805 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0027% | 2,654 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0074% | 782 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,939 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9311% | 839 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2832% | 1,225 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| 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 | 0.0658% | 4,620 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0010% | 4,218 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,679 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0029% | 3,299 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0034% | 3,050 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2306% | 2,629 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4078% | 3,484 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| 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 | 0.0767% | 3,593 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0032% | 7,575 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,176 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0071% | 7,722 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0082% | 7,717 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3020% | 1,899 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3487% | 3,327 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| 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 | 0.0742% | 3,150 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0044% | 7,586 |
| 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 | -0.0097% | 7,764 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0110% | 7,776 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3361% | 1,525 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0860% | 4,268 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| 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 | 0.0625% | 2,741 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0100% | 7,774 |
| 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 | -0.0222% | 7,942 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0254% | 7,946 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3402% | 1,065 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1260% | 7,152 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| 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 | 0.0724% | 3,833 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0481% | 2,003 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| 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 | 0.0107% | 2,664 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0124% | 2,448 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1983% | 2,471 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.0952% | 5,129 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| 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 | 0.0476% | 3,814 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0066% | 2,652 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| 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 | 0.0145% | 2,164 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0169% | 1,976 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2330% | 1,856 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0046% | 7,138 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| 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 | 0.0732% | 2,921 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0099% | 2,165 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| 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 | 0.0214% | 1,698 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0251% | 1,553 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3225% | 1,435 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1542% | 3,931 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| 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 | 0.1365% | 1,718 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0066% | 1,529 |
| 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 | 0.0157% | 1,219 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0183% | 1,101 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5409% | 818 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7351% | 1,664 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0345% | 5,201 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0033% | 3,389 |
| 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 | 0.0079% | 2,855 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 682 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0094% | 2,632 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0828% | 3,432 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3654% | 4,209 |
| Percentage Net Loans Charged-off: Credit card loans | -12.9741% | 2,193 |
| 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 | 0.0081% | 5,726 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0051% | 2,857 |
| 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 | 0.0126% | 2,349 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0150% | 2,156 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0272% | 3,235 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0212% | 7,511 |
| Percentage Net Loans Charged-off: Credit card loans | -14.9062% | 2,182 |
| 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 | 0.0104% | 5,171 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0067% | 2,337 |
| 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 | 0.0179% | 1,875 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0216% | 1,713 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0422% | 2,657 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.0847% | 7,533 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| 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 | 0.0105% | 4,321 |
| 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 | 0.0677% | 1,739 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1215% | 7,391 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 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 | 0.0256% | 5,932 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0004% | 7,715 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,548 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0011% | 7,851 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0014% | 7,870 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0000% | 4,271 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5823% | 3,438 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5092% | 546 |
| 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 | 0.0279% | 5,317 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0011% | 3,285 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,213 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0031% | 2,709 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0037% | 2,534 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0105% | 6,998 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6481% | 2,836 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5886% | 372 |
| 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 | 0.0534% | 4,307 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0017% | 2,753 |
| 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 | 0.0047% | 2,216 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0057% | 2,064 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0982% | 2,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6406% | 2,744 |
| Percentage Net Loans Charged-off: Credit card loans | 5.7052% | 274 |
| 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 | 0.0731% | 3,267 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0033% | 1,905 |
| 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 | 0.0096% | 1,519 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0116% | 1,393 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1691% | 1,648 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6799% | 2,462 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4412% | 538 |
| 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 | 0.2340% | 3,046 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0176% | 3,357 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 836 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,593 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0513% | 2,339 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0604% | 2,135 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6335% | 2,317 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1426% | 2,000 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3668% | 522 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2535% | 1,258 |
| 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 | 0.2341% | 2,629 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0086% | 3,110 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,273 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0252% | 2,340 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0295% | 2,187 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6576% | 1,899 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9731% | 2,217 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9435% | 604 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3431% | 1,022 |
| 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 | 0.2713% | 2,217 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0114% | 2,583 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 978 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0328% | 1,852 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0383% | 1,736 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6572% | 1,703 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1920% | 1,701 |
| Percentage Net Loans Charged-off: Credit card loans | 4.8257% | 463 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5267% | 771 |
| 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 | 0.2359% | 2,102 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0263% | 1,645 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 618 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0757% | 1,119 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0880% | 1,034 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0397% | 2,328 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4526% | 1,336 |
| Percentage Net Loans Charged-off: Credit card loans | 5.4541% | 409 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0498% | 442 |
| 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 | 0.0807% | 5,527 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0105% | 8,431 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 875 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0355% | 8,758 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0404% | 8,773 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2387% | 3,647 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5457% | 4,096 |
| Percentage Net Loans Charged-off: Credit card loans | 3.4185% | 839 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,956 |
| 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 | 0.3328% | 2,423 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0136% | 3,342 |
| Percentage Net Loans Charged-off:Construction & development | 0.1837% | 488 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0050% | 3,143 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0056% | 2,949 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2345% | 1,535 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1364% | 1,915 |
| Percentage Net Loans Charged-off: Credit card loans | 3.2057% | 831 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,876 |
| 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 | 0.0512% | 5,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0005% | 968 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0432% | 278 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0337% | 1,472 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0366% | 1,476 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1153% | 1,405 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6161% | 671 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1643% | 460 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0195% | 1,299 |
| 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 | 0.1721% | 3,582 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0416% | 499 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0100% | 369 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0873% | 335 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0943% | 299 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2914% | 567 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9379% | 475 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5550% | 426 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0153% | 1,277 |
| 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 | 0.1329% | 4,486 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0156% | 752 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0318% | 606 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0341% | 541 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5987% | 289 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8130% | 598 |
| Percentage Net Loans Charged-off: Credit card loans | 3.9100% | 288 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.3668% | 1,305 |
| 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 | 0.1446% | 4,631 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0006% | 991 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 260 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 477 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0012% | 986 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0013% | 930 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2705% | 511 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0781% | 505 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0339% | 214 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1643% | 1,255 |
| 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 | 0.1799% | 4,363 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2893% | 477 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0381% | 217 |
| Percentage Net Loans Charged-off: Credit card loans | 5.3688% | 156 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.9806% | 1,325 |
| 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 | -0.0159% | 10,251 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0082% | 1,295 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0154% | 1,415 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0160% | 1,411 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0471% | 1,125 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0708% | 348 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2728% | 985 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.9772% | 1,321 |
| 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 | 0.0575% | 6,797 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0172% | 911 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0325% | 687 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0329% | 651 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0390% | 1,058 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4990% | 632 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9178% | 443 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0092% | 353 |
| 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 | -0.1181% | 12,230 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,220 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,114 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,053 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.4531% | 1,332 |
| Percentage Net Loans Charged-off: Loans to individuals | -0.1456% | 1,490 |
| Percentage Net Loans Charged-off: Credit card loans | 0.2849% | 957 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 423 |
| 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 | 0.0519% | 9,847 |
| 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 |