Home > Commerce Bank > Net charge- offs to loans
Commerce Bank, Net charge- offs to loans
| 2008-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4001% | 2,046 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0475% | 8,038 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 2,246 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1412% | 8,004 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 377 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0314% | 3,066 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0450% | 1,030 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0285% | 2,890 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0814% | 3,377 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2230% | 1,522 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6089% | 392 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1675% | 1,176 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 90 |
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3057% | 2,112 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0818% | 8,128 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1913% | 8,074 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,841 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0687% | 811 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0143% | 7,800 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0294% | 7,018 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0848% | 1,574 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5646% | 369 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0642% | 1,238 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 70 |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1534% | 2,489 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1365% | 8,224 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3386% | 8,151 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0275% | 1,757 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1628% | 460 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,774 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0442% | 7,070 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7245% | 1,970 |
| Percentage Net Loans Charged-off: Credit card loans | 3.6219% | 336 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0510% | 6,912 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3150% | 1,751 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0036% | 4,119 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,563 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0174% | 1,503 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0102% | 7,853 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 938 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0121% | 7,850 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1503% | 2,972 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9636% | 1,669 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1290% | 380 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1133% | 1,351 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 73 |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2230% | 1,797 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 3,385 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,085 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0062% | 1,125 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0069% | 7,714 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 720 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0081% | 7,714 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0883% | 2,676 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7083% | 2,002 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7613% | 425 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0937% | 1,232 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 52 |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2083% | 1,666 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0066% | 7,662 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 770 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0114% | 815 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0290% | 7,956 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 541 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0343% | 7,970 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1150% | 2,120 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6714% | 1,910 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1128% | 363 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0658% | 1,158 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 38 |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3148% | 960 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0051% | 1,775 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0237% | 454 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0125% | 7,835 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 371 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0148% | 7,846 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1633% | 1,382 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0604% | 1,188 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8235% | 294 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0341% | 6,944 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2438% | 1,669 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0182% | 2,776 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0051% | 1,270 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0042% | 2,820 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 709 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0051% | 2,600 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1089% | 2,880 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7577% | 2,020 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3194% | 508 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2953% | 949 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 39 |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2358% | 1,399 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0140% | 2,402 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0123% | 7,971 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 2,436 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 550 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 2,253 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1216% | 2,298 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7377% | 1,832 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3531% | 473 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2752% | 865 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 29 |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2027% | 1,510 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0256% | 1,806 |
| 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 | -0.0085% | 7,866 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 426 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0104% | 7,887 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0734% | 2,185 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6614% | 1,895 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2036% | 493 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1986% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2542% | 1,071 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0035% | 7,651 |
| 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 | -0.0086% | 7,911 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0105% | 7,942 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0038% | 1,726 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0437% | 1,248 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3557% | 450 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1058% | 763 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5395% | 763 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0048% | 3,309 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0081% | 1,270 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0033% | 2,973 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0567% | 501 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0097% | 7,992 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1071% | 3,275 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8655% | 749 |
| Percentage Net Loans Charged-off: Credit card loans | 5.6282% | 225 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2749% | 1,006 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 28 |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4612% | 819 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0035% | 7,623 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0040% | 7,951 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0045% | 7,826 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 562 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0056% | 7,839 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0064% | 3,367 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6418% | 825 |
| Percentage Net Loans Charged-off: Credit card loans | 5.0650% | 251 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2055% | 956 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4198% | 904 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0035% | 7,594 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0040% | 7,996 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0046% | 7,815 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 450 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0057% | 7,837 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0366% | 7,090 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.5122% | 951 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1871% | 258 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1347% | 905 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 20 |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3546% | 991 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0035% | 7,735 |
| 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 | -0.0093% | 8,011 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 338 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0118% | 8,047 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0455% | 7,140 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2545% | 1,198 |
| Percentage Net Loans Charged-off: Credit card loans | 4.2837% | 312 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1130% | 694 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 13 |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4972% | 1,110 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1087% | 1,505 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2336% | 736 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0048% | 3,119 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 657 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0059% | 2,918 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2632% | 2,857 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3301% | 1,440 |
| Percentage Net Loans Charged-off: Credit card loans | 4.4506% | 406 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0297% | 1,535 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 27 |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4296% | 1,148 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0997% | 1,341 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2161% | 564 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0016% | 2,736 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 554 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0020% | 2,566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1363% | 2,836 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2094% | 1,472 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0505% | 436 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0571% | 7,275 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 21 |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4577% | 1,044 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1549% | 946 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3397% | 384 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0024% | 2,247 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 431 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0030% | 2,112 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1883% | 2,253 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2130% | 1,491 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7885% | 509 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1377% | 7,451 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 19 |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3656% | 1,212 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0076% | 8,048 |
| 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 | -0.0195% | 8,300 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0238% | 8,342 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0519% | 7,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3290% | 1,399 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7338% | 504 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2893% | 7,540 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 12 |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.6103% | 1,164 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2246% | 1,001 |
| Percentage Net Loans Charged-off:Construction & development | -0.4293% | 8,105 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0352% | 1,346 |
| Percentage Net Loans Charged-off: Multi-family residential | 10.3146% | 20 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0259% | 8,506 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 639 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0311% | 8,535 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3275% | 3,152 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4096% | 1,499 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5285% | 492 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3691% | 1,103 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 56 |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5015% | 1,269 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0453% | 2,222 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0041% | 1,248 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1154% | 1,347 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 519 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1379% | 1,213 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1423% | 3,366 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.4104% | 1,363 |
| Percentage Net Loans Charged-off: Credit card loans | 4.7585% | 454 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3542% | 1,013 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 45 |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5040% | 1,223 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0202% | 2,345 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0061% | 951 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0472% | 1,700 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 421 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0561% | 1,566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2617% | 2,513 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3927% | 1,407 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1074% | 578 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3898% | 851 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 37 |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4723% | 1,163 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0271% | 1,638 |
| 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 | 0.0750% | 1,123 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 277 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0884% | 1,031 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0151% | 7,288 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3886% | 1,409 |
| Percentage Net Loans Charged-off: Credit card loans | 5.1189% | 446 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5880% | 572 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3811% | 2,204 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0181% | 8,581 |
| Percentage Net Loans Charged-off:Construction & development | -0.1564% | 8,155 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0112% | 1,478 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0658% | 2,091 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 614 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0754% | 1,908 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2456% | 3,617 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0678% | 2,207 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0605% | 679 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4652% | 1,064 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 51 |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4689% | 1,741 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0364% | 8,962 |
| Percentage Net Loans Charged-off:Construction & development | 0.3398% | 379 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2134% | 9,112 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0020% | 8,505 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0022% | 8,536 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1631% | 3,841 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0915% | 2,009 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0512% | 612 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.7497% | 474 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 74 |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3748% | 1,804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1252% | 207 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2993% | 96 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3295% | 88 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0597% | 1,368 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0088% | 405 |
| Percentage Net Loans Charged-off: Credit card loans | 3.8194% | 219 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.5572% | 151 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4986% | 1,360 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2479% | 100 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 415 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.5421% | 48 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.5965% | 43 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5880% | 333 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8449% | 537 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3841% | 290 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4947% | 156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 23 |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5692% | 1,254 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0158% | 1,309 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0143% | 1,185 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0212% | 1,366 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0232% | 1,361 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8561% | 213 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3415% | 342 |
| Percentage Net Loans Charged-off: Credit card loans | 3.5892% | 325 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.3681% | 184 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | -0.0136% | 452 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4834% | 1,616 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0550% | 1,384 |
| 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 | -0.0831% | 1,431 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0889% | 1,432 |
| Percentage Net Loans Charged-off: Commercial and industrial | -1.3675% | 1,391 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8324% | 256 |
| Percentage Net Loans Charged-off: Credit card loans | 4.6991% | 248 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.6039% | 41 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 31 |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2581% | 3,375 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0724% | 6,330 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0500% | 7,026 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | -1.4368% | 13,208 |
| Percentage Net Loans Charged-off: Total real estate loans | NA | NA |
| Percentage Net Loans Charged-off:Construction & development | NA | NA |
| Percentage Net Loans Charged-off: Commercial real estate | NA | NA |
| Percentage Net Loans Charged-off: Multi-family residential | NA | NA |
| Percentage Net Loans Charged-off: 1-4 family residential | NA | NA |
| Percentage Net Loans Charged-off: Home equity loans | NA | NA |
| All other 1-4 family - Percent of loans charged-off, net | NA | NA |
| Percentage Net Loans Charged-off: Commercial and industrial | NA | NA |
| Percentage Net Loans Charged-off: Loans to individuals | NA | NA |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | NA | NA |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1992-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.8054% | 2,709 |
| 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 |