Home > Dollar Bank, Federal Savings Bank > Net charge- offs to loans

Dollar Bank, Federal Savings Bank, Net charge- offs to loans

2023-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1050%876
Percentage Net Loans Charged-off: Total real estate loans0.0114%755
Percentage Net Loans Charged-off:Construction & development-0.0014%4,178
Percentage Net Loans Charged-off: Commercial real estate0.0522%325
Percentage Net Loans Charged-off: Multi-family residential0.0000%66
Percentage Net Loans Charged-off: 1-4 family residential0.0057%646
Percentage Net Loans Charged-off: Home equity loans0.0018%244
All other 1-4 family - Percent of loans charged-off, net0.0059%599
Percentage Net Loans Charged-off: Commercial and industrial0.1389%1,074
Percentage Net Loans Charged-off: Loans to individuals2.8278%258
Percentage Net Loans Charged-off: Credit card loans4.3614%135
Percentage Net Loans Charged-off: Other loans to individual2.2495%238
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%72
2023-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0989%790
Percentage Net Loans Charged-off: Total real estate loans0.0182%529
Percentage Net Loans Charged-off:Construction & development-0.0014%4,232
Percentage Net Loans Charged-off: Commercial real estate0.0895%215
Percentage Net Loans Charged-off: Multi-family residential0.0000%48
Percentage Net Loans Charged-off: 1-4 family residential0.0084%494
Percentage Net Loans Charged-off: Home equity loans0.0036%196
All other 1-4 family - Percent of loans charged-off, net0.0087%455
Percentage Net Loans Charged-off: Commercial and industrial0.0776%989
Percentage Net Loans Charged-off: Loans to individuals2.6260%225
Percentage Net Loans Charged-off: Credit card loans4.1057%93
Percentage Net Loans Charged-off: Other loans to individual2.0752%260
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%69
2023-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1114%633
Percentage Net Loans Charged-off: Total real estate loans0.0390%289
Percentage Net Loans Charged-off:Construction & development-0.0016%4,304
Percentage Net Loans Charged-off: Commercial real estate0.2270%100
Percentage Net Loans Charged-off: Multi-family residential0.0000%29
Percentage Net Loans Charged-off: 1-4 family residential0.0140%350
Percentage Net Loans Charged-off: Home equity loans0.0071%151
All other 1-4 family - Percent of loans charged-off, net0.0144%325
Percentage Net Loans Charged-off: Commercial and industrial0.0455%959
Percentage Net Loans Charged-off: Loans to individuals2.5489%219
Percentage Net Loans Charged-off: Credit card loans3.4385%110
Percentage Net Loans Charged-off: Other loans to individual2.2193%268
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%63
2023-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1200%534
Percentage Net Loans Charged-off: Total real estate loans0.0624%175
Percentage Net Loans Charged-off:Construction & development-0.0011%4,402
Percentage Net Loans Charged-off: Commercial real estate0.4686%48
Percentage Net Loans Charged-off: Multi-family residential0.0000%18
Percentage Net Loans Charged-off: 1-4 family residential0.0061%314
Percentage Net Loans Charged-off: Home equity loans0.0105%90
All other 1-4 family - Percent of loans charged-off, net0.0059%292
Percentage Net Loans Charged-off: Commercial and industrial0.0039%764
Percentage Net Loans Charged-off: Loans to individuals2.2655%274
Percentage Net Loans Charged-off: Credit card loans3.5684%113
Percentage Net Loans Charged-off: Other loans to individual1.7844%311
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%12
2022-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0642%1,003
Percentage Net Loans Charged-off: Total real estate loans0.0011%997
Percentage Net Loans Charged-off:Construction & development-0.0016%4,257
Percentage Net Loans Charged-off: Commercial real estate0.0607%267
Percentage Net Loans Charged-off: Multi-family residential-0.0025%4,635
Percentage Net Loans Charged-off: 1-4 family residential-0.0084%3,803
Percentage Net Loans Charged-off: Home equity loans-0.0338%4,437
All other 1-4 family - Percent of loans charged-off, net-0.0067%3,787
Percentage Net Loans Charged-off: Commercial and industrial0.0473%1,057
Percentage Net Loans Charged-off: Loans to individuals1.8283%263
Percentage Net Loans Charged-off: Credit card loans3.1775%93
Percentage Net Loans Charged-off: Other loans to individual1.3947%327
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%23
2022-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0451%1,038
Percentage Net Loans Charged-off: Total real estate loans-0.0064%3,641
Percentage Net Loans Charged-off:Construction & development-0.0022%4,327
Percentage Net Loans Charged-off: Commercial real estate0.0286%246
Percentage Net Loans Charged-off: Multi-family residential-0.0032%4,685
Percentage Net Loans Charged-off: 1-4 family residential-0.0129%3,928
Percentage Net Loans Charged-off: Home equity loans-0.0985%4,579
All other 1-4 family - Percent of loans charged-off, net-0.0074%3,812
Percentage Net Loans Charged-off: Commercial and industrial-0.0679%4,055
Percentage Net Loans Charged-off: Loans to individuals1.7149%260
Percentage Net Loans Charged-off: Credit card loans2.9598%101
Percentage Net Loans Charged-off: Other loans to individual1.3273%302
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%17
2022-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0379%1,004
Percentage Net Loans Charged-off: Total real estate loans-0.0077%3,655
Percentage Net Loans Charged-off:Construction & development-0.0028%3,957
Percentage Net Loans Charged-off: Commercial real estate-0.0011%3,886
Percentage Net Loans Charged-off: Multi-family residential-0.0057%3,826
Percentage Net Loans Charged-off: 1-4 family residential-0.0094%3,741
Percentage Net Loans Charged-off: Home equity loans0.0211%104
All other 1-4 family - Percent of loans charged-off, net-0.0113%3,828
Percentage Net Loans Charged-off: Commercial and industrial-0.1081%4,045
Percentage Net Loans Charged-off: Loans to individuals1.4984%303
Percentage Net Loans Charged-off: Credit card loans2.7465%113
Percentage Net Loans Charged-off: Other loans to individual1.1196%392
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2022-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0467%825
Percentage Net Loans Charged-off: Total real estate loans-0.0046%3,613
Percentage Net Loans Charged-off:Construction & development-0.0028%4,026
Percentage Net Loans Charged-off: Commercial real estate-0.0011%4,038
Percentage Net Loans Charged-off: Multi-family residential-0.0106%3,842
Percentage Net Loans Charged-off: 1-4 family residential-0.0051%3,679
Percentage Net Loans Charged-off: Home equity loans0.0114%89
All other 1-4 family - Percent of loans charged-off, net-0.0061%3,779
Percentage Net Loans Charged-off: Commercial and industrial-0.0096%3,412
Percentage Net Loans Charged-off: Loans to individuals1.4137%338
Percentage Net Loans Charged-off: Credit card loans3.1254%86
Percentage Net Loans Charged-off: Other loans to individual0.8929%496
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2021-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0681%1,114
Percentage Net Loans Charged-off: Total real estate loans0.0125%991
Percentage Net Loans Charged-off:Construction & development-0.0164%4,057
Percentage Net Loans Charged-off: Commercial real estate-0.0060%4,090
Percentage Net Loans Charged-off: Multi-family residential-0.0493%3,948
Percentage Net Loans Charged-off: 1-4 family residential0.0215%649
Percentage Net Loans Charged-off: Home equity loans0.0459%161
All other 1-4 family - Percent of loans charged-off, net0.0199%647
Percentage Net Loans Charged-off: Commercial and industrial-0.0567%3,969
Percentage Net Loans Charged-off: Loans to individuals1.7122%225
Percentage Net Loans Charged-off: Credit card loans2.2369%141
Percentage Net Loans Charged-off: Other loans to individual1.5603%227
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2021-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0645%1,001
Percentage Net Loans Charged-off: Total real estate loans0.0090%965
Percentage Net Loans Charged-off:Construction & development-0.0204%4,137
Percentage Net Loans Charged-off: Commercial real estate-0.0069%4,190
Percentage Net Loans Charged-off: Multi-family residential-0.0593%3,992
Percentage Net Loans Charged-off: 1-4 family residential0.0180%610
Percentage Net Loans Charged-off: Home equity loans-0.0672%3,452
All other 1-4 family - Percent of loans charged-off, net0.0237%547
Percentage Net Loans Charged-off: Commercial and industrial-0.0725%4,108
Percentage Net Loans Charged-off: Loans to individuals1.7514%210
Percentage Net Loans Charged-off: Credit card loans2.4746%136
Percentage Net Loans Charged-off: Other loans to individual1.5457%215
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2021-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0789%878
Percentage Net Loans Charged-off: Total real estate loans0.0183%736
Percentage Net Loans Charged-off:Construction & development-0.0075%4,103
Percentage Net Loans Charged-off: Commercial real estate-0.0098%4,325
Percentage Net Loans Charged-off: Multi-family residential-0.0597%4,000
Percentage Net Loans Charged-off: 1-4 family residential0.0290%479
Percentage Net Loans Charged-off: Home equity loans-0.0358%3,426
All other 1-4 family - Percent of loans charged-off, net0.0334%452
Percentage Net Loans Charged-off: Commercial and industrial-0.1057%4,296
Percentage Net Loans Charged-off: Loans to individuals2.0573%182
Percentage Net Loans Charged-off: Credit card loans2.5656%146
Percentage Net Loans Charged-off: Other loans to individual1.9140%167
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2021-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0917%736
Percentage Net Loans Charged-off: Total real estate loans0.0258%499
Percentage Net Loans Charged-off:Construction & development-0.0074%4,185
Percentage Net Loans Charged-off: Commercial real estate-0.0143%4,474
Percentage Net Loans Charged-off: Multi-family residential-0.0142%3,972
Percentage Net Loans Charged-off: 1-4 family residential0.0374%341
Percentage Net Loans Charged-off: Home equity loans-0.0067%3,339
All other 1-4 family - Percent of loans charged-off, net0.0404%315
Percentage Net Loans Charged-off: Commercial and industrial-0.2069%4,546
Percentage Net Loans Charged-off: Loans to individuals2.6173%153
Percentage Net Loans Charged-off: Credit card loans2.8889%133
Percentage Net Loans Charged-off: Other loans to individual2.5401%146
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2020-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1023%1,446
Percentage Net Loans Charged-off: Total real estate loans0.0277%1,259
Percentage Net Loans Charged-off:Construction & development-0.0050%4,089
Percentage Net Loans Charged-off: Commercial real estate0.0718%654
Percentage Net Loans Charged-off: Multi-family residential-0.0193%4,009
Percentage Net Loans Charged-off: 1-4 family residential0.0262%1,057
Percentage Net Loans Charged-off: Home equity loans0.1313%175
All other 1-4 family - Percent of loans charged-off, net0.0188%1,094
Percentage Net Loans Charged-off: Commercial and industrial-0.1027%4,435
Percentage Net Loans Charged-off: Loans to individuals2.4702%217
Percentage Net Loans Charged-off: Credit card loans4.0688%96
Percentage Net Loans Charged-off: Other loans to individual2.0066%246
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2020-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1288%1,108
Percentage Net Loans Charged-off: Total real estate loans0.0277%1,065
Percentage Net Loans Charged-off:Construction & development-0.0061%4,150
Percentage Net Loans Charged-off: Commercial real estate0.1037%435
Percentage Net Loans Charged-off: Multi-family residential-0.0211%4,028
Percentage Net Loans Charged-off: 1-4 family residential0.0216%951
Percentage Net Loans Charged-off: Home equity loans0.1596%143
All other 1-4 family - Percent of loans charged-off, net0.0119%1,041
Percentage Net Loans Charged-off: Commercial and industrial0.0288%1,605
Percentage Net Loans Charged-off: Loans to individuals2.7714%176
Percentage Net Loans Charged-off: Credit card loans4.4949%88
Percentage Net Loans Charged-off: Other loans to individual2.2722%191
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2020-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1498%967
Percentage Net Loans Charged-off: Total real estate loans0.0316%895
Percentage Net Loans Charged-off:Construction & development-0.0005%4,122
Percentage Net Loans Charged-off: Commercial real estate0.2322%261
Percentage Net Loans Charged-off: Multi-family residential-0.0233%4,045
Percentage Net Loans Charged-off: 1-4 family residential0.0084%1,029
Percentage Net Loans Charged-off: Home equity loans0.1042%158
All other 1-4 family - Percent of loans charged-off, net0.0017%1,063
Percentage Net Loans Charged-off: Commercial and industrial0.0452%1,318
Percentage Net Loans Charged-off: Loans to individuals3.1927%176
Percentage Net Loans Charged-off: Credit card loans5.2608%90
Percentage Net Loans Charged-off: Other loans to individual2.5896%190
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2020-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1352%918
Percentage Net Loans Charged-off: Total real estate loans-0.0094%4,208
Percentage Net Loans Charged-off:Construction & development-0.0010%4,216
Percentage Net Loans Charged-off: Commercial real estate-0.0087%4,522
Percentage Net Loans Charged-off: Multi-family residential-0.0367%4,089
Percentage Net Loans Charged-off: 1-4 family residential-0.0094%4,133
Percentage Net Loans Charged-off: Home equity loans-0.0106%3,458
All other 1-4 family - Percent of loans charged-off, net-0.0094%4,162
Percentage Net Loans Charged-off: Commercial and industrial0.1170%823
Percentage Net Loans Charged-off: Loans to individuals3.4935%173
Percentage Net Loans Charged-off: Credit card loans6.0417%76
Percentage Net Loans Charged-off: Other loans to individual2.7329%207
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2019-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1236%1,525
Percentage Net Loans Charged-off: Total real estate loans0.0267%1,479
Percentage Net Loans Charged-off:Construction & development-0.0027%4,168
Percentage Net Loans Charged-off: Commercial real estate0.1028%587
Percentage Net Loans Charged-off: Multi-family residential-0.0298%4,144
Percentage Net Loans Charged-off: 1-4 family residential0.0202%1,432
Percentage Net Loans Charged-off: Home equity loans0.0641%349
All other 1-4 family - Percent of loans charged-off, net0.0170%1,410
Percentage Net Loans Charged-off: Commercial and industrial0.4452%956
Percentage Net Loans Charged-off: Loans to individuals1.6677%431
Percentage Net Loans Charged-off: Credit card loans4.0328%138
Percentage Net Loans Charged-off: Other loans to individual0.9187%803
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2019-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0746%1,752
Percentage Net Loans Charged-off: Total real estate loans0.0260%1,243
Percentage Net Loans Charged-off:Construction & development-0.0025%4,224
Percentage Net Loans Charged-off: Commercial real estate0.0913%486
Percentage Net Loans Charged-off: Multi-family residential-0.0318%4,198
Percentage Net Loans Charged-off: 1-4 family residential0.0209%1,203
Percentage Net Loans Charged-off: Home equity loans0.0733%271
All other 1-4 family - Percent of loans charged-off, net0.0171%1,184
Percentage Net Loans Charged-off: Commercial and industrial0.0969%1,460
Percentage Net Loans Charged-off: Loans to individuals1.2588%592
Percentage Net Loans Charged-off: Credit card loans2.7298%228
Percentage Net Loans Charged-off: Other loans to individual0.7891%880
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2019-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0810%1,548
Percentage Net Loans Charged-off: Total real estate loans0.0297%1,029
Percentage Net Loans Charged-off:Construction & development0.0000%234
Percentage Net Loans Charged-off: Commercial real estate0.1399%336
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0186%1,070
Percentage Net Loans Charged-off: Home equity loans0.0971%195
All other 1-4 family - Percent of loans charged-off, net0.0128%1,075
Percentage Net Loans Charged-off: Commercial and industrial0.1585%1,082
Percentage Net Loans Charged-off: Loans to individuals1.2247%604
Percentage Net Loans Charged-off: Credit card loans2.5830%236
Percentage Net Loans Charged-off: Other loans to individual0.7808%862
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2019-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0495%1,575
Percentage Net Loans Charged-off: Total real estate loans0.0259%843
Percentage Net Loans Charged-off:Construction & development0.0000%153
Percentage Net Loans Charged-off: Commercial real estate0.1729%205
Percentage Net Loans Charged-off: Multi-family residential0.0000%46
Percentage Net Loans Charged-off: 1-4 family residential0.0101%888
Percentage Net Loans Charged-off: Home equity loans-0.0147%3,618
All other 1-4 family - Percent of loans charged-off, net0.0119%819
Percentage Net Loans Charged-off: Commercial and industrial0.0346%1,009
Percentage Net Loans Charged-off: Loans to individuals0.7472%967
Percentage Net Loans Charged-off: Credit card loans2.0797%262
Percentage Net Loans Charged-off: Other loans to individual0.2919%1,568
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2018-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0286%2,835
Percentage Net Loans Charged-off: Total real estate loans0.0095%2,016
Percentage Net Loans Charged-off:Construction & development-0.0013%4,204
Percentage Net Loans Charged-off: Commercial real estate-0.0147%4,673
Percentage Net Loans Charged-off: Multi-family residential-0.1714%4,352
Percentage Net Loans Charged-off: 1-4 family residential0.0174%1,697
Percentage Net Loans Charged-off: Home equity loans0.0252%497
All other 1-4 family - Percent of loans charged-off, net0.0168%1,636
Percentage Net Loans Charged-off: Commercial and industrial-0.0477%4,399
Percentage Net Loans Charged-off: Loans to individuals0.9040%902
Percentage Net Loans Charged-off: Credit card loans2.1674%282
Percentage Net Loans Charged-off: Other loans to individual0.4079%1,662
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2018-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0353%2,382
Percentage Net Loans Charged-off: Total real estate loans0.0134%1,604
Percentage Net Loans Charged-off:Construction & development-0.0018%4,268
Percentage Net Loans Charged-off: Commercial real estate-0.0192%4,778
Percentage Net Loans Charged-off: Multi-family residential-0.3423%4,400
Percentage Net Loans Charged-off: 1-4 family residential0.0267%1,340
Percentage Net Loans Charged-off: Home equity loans0.0985%282
All other 1-4 family - Percent of loans charged-off, net0.0213%1,360
Percentage Net Loans Charged-off: Commercial and industrial0.0216%1,741
Percentage Net Loans Charged-off: Loans to individuals0.8398%899
Percentage Net Loans Charged-off: Credit card loans2.1225%275
Percentage Net Loans Charged-off: Other loans to individual0.3251%1,732
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2018-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0313%2,225
Percentage Net Loans Charged-off: Total real estate loans0.0145%1,340
Percentage Net Loans Charged-off:Construction & development-0.0021%4,355
Percentage Net Loans Charged-off: Commercial real estate-0.0179%4,829
Percentage Net Loans Charged-off: Multi-family residential-0.5100%4,441
Percentage Net Loans Charged-off: 1-4 family residential0.0320%1,104
Percentage Net Loans Charged-off: Home equity loans0.1538%198
All other 1-4 family - Percent of loans charged-off, net0.0228%1,154
Percentage Net Loans Charged-off: Commercial and industrial-0.0171%4,077
Percentage Net Loans Charged-off: Loans to individuals0.8154%880
Percentage Net Loans Charged-off: Credit card loans2.2612%253
Percentage Net Loans Charged-off: Other loans to individual0.2226%1,951
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2018-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0547%1,562
Percentage Net Loans Charged-off: Total real estate loans0.0406%772
Percentage Net Loans Charged-off:Construction & development-0.0014%4,470
Percentage Net Loans Charged-off: Commercial real estate-0.0040%4,743
Percentage Net Loans Charged-off: Multi-family residential0.0000%42
Percentage Net Loans Charged-off: 1-4 family residential0.0491%758
Percentage Net Loans Charged-off: Home equity loans0.2994%112
All other 1-4 family - Percent of loans charged-off, net0.0301%820
Percentage Net Loans Charged-off: Commercial and industrial-0.0225%4,146
Percentage Net Loans Charged-off: Loans to individuals0.8820%873
Percentage Net Loans Charged-off: Credit card loans2.3926%222
Percentage Net Loans Charged-off: Other loans to individual0.2331%1,729
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2017-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0554%2,698
Percentage Net Loans Charged-off: Total real estate loans0.0406%1,665
Percentage Net Loans Charged-off:Construction & development-0.0783%4,742
Percentage Net Loans Charged-off: Commercial real estate0.1043%710
Percentage Net Loans Charged-off: Multi-family residential0.2689%82
Percentage Net Loans Charged-off: 1-4 family residential0.0346%1,758
Percentage Net Loans Charged-off: Home equity loans0.1754%295
All other 1-4 family - Percent of loans charged-off, net0.0235%1,868
Percentage Net Loans Charged-off: Commercial and industrial-0.0200%4,368
Percentage Net Loans Charged-off: Loans to individuals0.9866%900
Percentage Net Loans Charged-off: Credit card loans2.2126%281
Percentage Net Loans Charged-off: Other loans to individual0.3850%1,911
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2017-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0491%2,451
Percentage Net Loans Charged-off: Total real estate loans0.0372%1,473
Percentage Net Loans Charged-off:Construction & development-0.1052%4,831
Percentage Net Loans Charged-off: Commercial real estate0.0911%574
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0394%1,519
Percentage Net Loans Charged-off: Home equity loans0.2340%210
All other 1-4 family - Percent of loans charged-off, net0.0241%1,653
Percentage Net Loans Charged-off: Commercial and industrial-0.0370%4,468
Percentage Net Loans Charged-off: Loans to individuals0.9189%900
Percentage Net Loans Charged-off: Credit card loans1.9877%313
Percentage Net Loans Charged-off: Other loans to individual0.3864%1,738
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2017-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0600%2,074
Percentage Net Loans Charged-off: Total real estate loans0.0458%1,235
Percentage Net Loans Charged-off:Construction & development-0.0025%4,483
Percentage Net Loans Charged-off: Commercial real estate0.1438%396
Percentage Net Loans Charged-off: Multi-family residential0.0000%105
Percentage Net Loans Charged-off: 1-4 family residential0.0388%1,353
Percentage Net Loans Charged-off: Home equity loans0.1015%331
All other 1-4 family - Percent of loans charged-off, net0.0339%1,342
Percentage Net Loans Charged-off: Commercial and industrial-0.0303%4,364
Percentage Net Loans Charged-off: Loans to individuals1.0555%736
Percentage Net Loans Charged-off: Credit card loans2.3612%258
Percentage Net Loans Charged-off: Other loans to individual0.4002%1,617
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2017-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0780%1,556
Percentage Net Loans Charged-off: Total real estate loans0.0642%840
Percentage Net Loans Charged-off:Construction & development-0.0035%4,637
Percentage Net Loans Charged-off: Commercial real estate0.2972%178
Percentage Net Loans Charged-off: Multi-family residential0.0000%65
Percentage Net Loans Charged-off: 1-4 family residential0.0445%1,016
Percentage Net Loans Charged-off: Home equity loans0.2283%177
All other 1-4 family - Percent of loans charged-off, net0.0303%1,024
Percentage Net Loans Charged-off: Commercial and industrial-0.0609%4,636
Percentage Net Loans Charged-off: Loans to individuals1.2572%647
Percentage Net Loans Charged-off: Credit card loans2.9357%215
Percentage Net Loans Charged-off: Other loans to individual0.4109%1,446
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2016-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0608%2,841
Percentage Net Loans Charged-off: Total real estate loans0.0485%1,824
Percentage Net Loans Charged-off:Construction & development-0.0288%4,663
Percentage Net Loans Charged-off: Commercial real estate0.0209%1,243
Percentage Net Loans Charged-off: Multi-family residential0.0010%216
Percentage Net Loans Charged-off: 1-4 family residential0.0556%1,807
Percentage Net Loans Charged-off: Home equity loans0.1425%467
All other 1-4 family - Percent of loans charged-off, net0.0487%1,836
Percentage Net Loans Charged-off: Commercial and industrial0.0079%2,374
Percentage Net Loans Charged-off: Loans to individuals0.8240%1,147
Percentage Net Loans Charged-off: Credit card loans2.0166%303
Percentage Net Loans Charged-off: Other loans to individual0.1909%2,652
Percentage Net Loans Charged-off: All other loans and lease-0.0073%4,979
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2016-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0586%2,517
Percentage Net Loans Charged-off: Total real estate loans0.0440%1,632
Percentage Net Loans Charged-off:Construction & development-0.0368%4,756
Percentage Net Loans Charged-off: Commercial real estate-0.0120%5,019
Percentage Net Loans Charged-off: Multi-family residential0.0014%172
Percentage Net Loans Charged-off: 1-4 family residential0.0539%1,618
Percentage Net Loans Charged-off: Home equity loans0.1094%470
All other 1-4 family - Percent of loans charged-off, net0.0495%1,618
Percentage Net Loans Charged-off: Commercial and industrial0.0146%1,964
Percentage Net Loans Charged-off: Loans to individuals0.8856%940
Percentage Net Loans Charged-off: Credit card loans2.2852%254
Percentage Net Loans Charged-off: Other loans to individual0.1407%2,583
Percentage Net Loans Charged-off: All other loans and lease-0.0071%5,000
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2016-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0666%2,238
Percentage Net Loans Charged-off: Total real estate loans0.0496%1,473
Percentage Net Loans Charged-off:Construction & development-0.0048%4,624
Percentage Net Loans Charged-off: Commercial real estate-0.0129%5,126
Percentage Net Loans Charged-off: Multi-family residential0.0020%143
Percentage Net Loans Charged-off: 1-4 family residential0.0590%1,458
Percentage Net Loans Charged-off: Home equity loans0.1123%408
All other 1-4 family - Percent of loans charged-off, net0.0548%1,436
Percentage Net Loans Charged-off: Commercial and industrial0.0499%1,480
Percentage Net Loans Charged-off: Loans to individuals0.8999%904
Percentage Net Loans Charged-off: Credit card loans2.5289%224
Percentage Net Loans Charged-off: Other loans to individual0.0223%2,885
Percentage Net Loans Charged-off: All other loans and lease-0.0098%5,064
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2016-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0565%1,952
Percentage Net Loans Charged-off: Total real estate loans0.0381%1,277
Percentage Net Loans Charged-off:Construction & development-0.0038%4,746
Percentage Net Loans Charged-off: Commercial real estate-0.0629%5,609
Percentage Net Loans Charged-off: Multi-family residential0.0000%90
Percentage Net Loans Charged-off: 1-4 family residential0.0504%1,207
Percentage Net Loans Charged-off: Home equity loans0.2716%229
All other 1-4 family - Percent of loans charged-off, net0.0329%1,241
Percentage Net Loans Charged-off: Commercial and industrial0.0750%1,009
Percentage Net Loans Charged-off: Loans to individuals0.8133%974
Percentage Net Loans Charged-off: Credit card loans2.6049%217
Percentage Net Loans Charged-off: Other loans to individual-0.1760%5,182
Percentage Net Loans Charged-off: All other loans and lease-0.0191%5,161
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2015-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0573%3,076
Percentage Net Loans Charged-off: Total real estate loans0.0334%2,539
Percentage Net Loans Charged-off:Construction & development-0.0051%4,650
Percentage Net Loans Charged-off: Commercial real estate0.0176%1,482
Percentage Net Loans Charged-off: Multi-family residential0.0000%287
Percentage Net Loans Charged-off: 1-4 family residential0.0369%2,520
Percentage Net Loans Charged-off: Home equity loans-0.0090%4,115
All other 1-4 family - Percent of loans charged-off, net0.0404%2,369
Percentage Net Loans Charged-off: Commercial and industrial0.1798%1,631
Percentage Net Loans Charged-off: Loans to individuals0.5651%1,496
Percentage Net Loans Charged-off: Credit card loans1.8822%337
Percentage Net Loans Charged-off: Other loans to individual-0.1575%5,487
Percentage Net Loans Charged-off: All other loans and lease0.1459%930
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2015-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0602%2,737
Percentage Net Loans Charged-off: Total real estate loans0.0312%2,359
Percentage Net Loans Charged-off:Construction & development-0.0046%4,725
Percentage Net Loans Charged-off: Commercial real estate0.0264%1,195
Percentage Net Loans Charged-off: Multi-family residential0.0000%241
Percentage Net Loans Charged-off: 1-4 family residential0.0335%2,358
Percentage Net Loans Charged-off: Home equity loans-0.0218%4,194
All other 1-4 family - Percent of loans charged-off, net0.0376%2,211
Percentage Net Loans Charged-off: Commercial and industrial0.2235%1,241
Percentage Net Loans Charged-off: Loans to individuals0.6583%1,153
Percentage Net Loans Charged-off: Credit card loans2.1980%267
Percentage Net Loans Charged-off: Other loans to individual-0.1766%5,496
Percentage Net Loans Charged-off: All other loans and lease0.0757%989
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2015-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0597%2,533
Percentage Net Loans Charged-off: Total real estate loans0.0203%2,334
Percentage Net Loans Charged-off:Construction & development-0.0612%5,080
Percentage Net Loans Charged-off: Commercial real estate0.0182%1,070
Percentage Net Loans Charged-off: Multi-family residential0.0000%188
Percentage Net Loans Charged-off: 1-4 family residential0.0235%2,243
Percentage Net Loans Charged-off: Home equity loans-0.0336%4,282
All other 1-4 family - Percent of loans charged-off, net0.0276%2,089
Percentage Net Loans Charged-off: Commercial and industrial0.3376%900
Percentage Net Loans Charged-off: Loans to individuals0.6481%1,101
Percentage Net Loans Charged-off: Credit card loans2.2159%246
Percentage Net Loans Charged-off: Other loans to individual-0.1985%5,501
Percentage Net Loans Charged-off: All other loans and lease0.0415%971
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2015-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0050%3,149
Percentage Net Loans Charged-off: Total real estate loans0.0092%1,953
Percentage Net Loans Charged-off:Construction & development0.0000%369
Percentage Net Loans Charged-off: Commercial real estate0.0411%635
Percentage Net Loans Charged-off: Multi-family residential0.0000%126
Percentage Net Loans Charged-off: 1-4 family residential0.0067%1,790
Percentage Net Loans Charged-off: Home equity loans-0.0473%4,377
All other 1-4 family - Percent of loans charged-off, net0.0105%1,654
Percentage Net Loans Charged-off: Commercial and industrial-0.1840%5,474
Percentage Net Loans Charged-off: Loans to individuals0.8019%918
Percentage Net Loans Charged-off: Credit card loans2.7919%200
Percentage Net Loans Charged-off: Other loans to individual-0.2673%5,543
Percentage Net Loans Charged-off: All other loans and lease-0.3840%5,645
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2014-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1510%2,525
Percentage Net Loans Charged-off: Total real estate loans0.1315%2,020
Percentage Net Loans Charged-off:Construction & development0.0479%1,024
Percentage Net Loans Charged-off: Commercial real estate0.0820%1,640
Percentage Net Loans Charged-off: Multi-family residential1.7482%129
Percentage Net Loans Charged-off: 1-4 family residential0.0977%2,415
Percentage Net Loans Charged-off: Home equity loans0.3298%533
All other 1-4 family - Percent of loans charged-off, net0.0822%2,455
Percentage Net Loans Charged-off: Commercial and industrial0.2271%1,750
Percentage Net Loans Charged-off: Loans to individuals0.5821%1,611
Percentage Net Loans Charged-off: Credit card loans2.2275%298
Percentage Net Loans Charged-off: Other loans to individual-0.2109%5,838
Percentage Net Loans Charged-off: All other loans and lease0.4361%656
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%54
2014-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1590%2,214
Percentage Net Loans Charged-off: Total real estate loans0.1552%1,656
Percentage Net Loans Charged-off:Construction & development0.0665%860
Percentage Net Loans Charged-off: Commercial real estate0.1131%1,269
Percentage Net Loans Charged-off: Multi-family residential2.2863%98
Percentage Net Loans Charged-off: 1-4 family residential0.1071%2,108
Percentage Net Loans Charged-off: Home equity loans0.2065%671
All other 1-4 family - Percent of loans charged-off, net0.1005%2,056
Percentage Net Loans Charged-off: Commercial and industrial0.0909%1,903
Percentage Net Loans Charged-off: Loans to individuals0.5397%1,568
Percentage Net Loans Charged-off: Credit card loans2.2140%288
Percentage Net Loans Charged-off: Other loans to individual-0.2392%5,852
Percentage Net Loans Charged-off: All other loans and lease0.3217%672
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%48
2014-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1700%2,035
Percentage Net Loans Charged-off: Total real estate loans0.1784%1,470
Percentage Net Loans Charged-off:Construction & development0.1005%711
Percentage Net Loans Charged-off: Commercial real estate0.1827%955
Percentage Net Loans Charged-off: Multi-family residential3.1764%70
Percentage Net Loans Charged-off: 1-4 family residential0.1018%1,987
Percentage Net Loans Charged-off: Home equity loans0.3149%501
All other 1-4 family - Percent of loans charged-off, net0.0879%2,011
Percentage Net Loans Charged-off: Commercial and industrial0.0118%1,958
Percentage Net Loans Charged-off: Loans to individuals0.6376%1,282
Percentage Net Loans Charged-off: Credit card loans2.5588%238
Percentage Net Loans Charged-off: Other loans to individual-0.2307%5,801
Percentage Net Loans Charged-off: All other loans and lease-0.3177%5,828
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%34
2014-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0625%2,537
Percentage Net Loans Charged-off: Total real estate loans0.0656%1,851
Percentage Net Loans Charged-off:Construction & development0.0947%500
Percentage Net Loans Charged-off: Commercial real estate-0.0010%5,550
Percentage Net Loans Charged-off: Multi-family residential0.0000%176
Percentage Net Loans Charged-off: 1-4 family residential0.0729%1,715
Percentage Net Loans Charged-off: Home equity loans0.0785%556
All other 1-4 family - Percent of loans charged-off, net0.0726%1,629
Percentage Net Loans Charged-off: Commercial and industrial-0.0992%5,389
Percentage Net Loans Charged-off: Loans to individuals0.5958%1,308
Percentage Net Loans Charged-off: Credit card loans2.1302%271
Percentage Net Loans Charged-off: Other loans to individual-0.0821%5,315
Percentage Net Loans Charged-off: All other loans and lease-0.0090%5,457
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%28
2013-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1834%3,007
Percentage Net Loans Charged-off: Total real estate loans0.1598%2,633
Percentage Net Loans Charged-off:Construction & development0.3934%1,165
Percentage Net Loans Charged-off: Commercial real estate0.3564%1,315
Percentage Net Loans Charged-off: Multi-family residential0.2609%431
Percentage Net Loans Charged-off: 1-4 family residential0.1342%2,729
Percentage Net Loans Charged-off: Home equity loans0.0133%1,401
All other 1-4 family - Percent of loans charged-off, net0.1423%2,572
Percentage Net Loans Charged-off: Commercial and industrial0.1882%2,243
Percentage Net Loans Charged-off: Loans to individuals1.2211%932
Percentage Net Loans Charged-off: Credit card loans3.1754%213
Percentage Net Loans Charged-off: Other loans to individual0.4938%1,972
Percentage Net Loans Charged-off: All other loans and lease0.1521%995
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%77
2013-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1893%2,707
Percentage Net Loans Charged-off: Total real estate loans0.1704%2,367
Percentage Net Loans Charged-off:Construction & development0.0000%1,483
Percentage Net Loans Charged-off: Commercial real estate0.3270%1,226
Percentage Net Loans Charged-off: Multi-family residential0.3610%334
Percentage Net Loans Charged-off: 1-4 family residential0.1560%2,343
Percentage Net Loans Charged-off: Home equity loans0.0083%1,255
All other 1-4 family - Percent of loans charged-off, net0.1659%2,190
Percentage Net Loans Charged-off: Commercial and industrial0.1707%2,033
Percentage Net Loans Charged-off: Loans to individuals1.0615%982
Percentage Net Loans Charged-off: Credit card loans2.8121%246
Percentage Net Loans Charged-off: Other loans to individual0.4337%1,890
Percentage Net Loans Charged-off: All other loans and lease0.2800%763
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%67
2013-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1516%2,889
Percentage Net Loans Charged-off: Total real estate loans0.1377%2,451
Percentage Net Loans Charged-off:Construction & development0.0000%1,279
Percentage Net Loans Charged-off: Commercial real estate0.3752%1,032
Percentage Net Loans Charged-off: Multi-family residential-0.0043%5,206
Percentage Net Loans Charged-off: 1-4 family residential0.1230%2,411
Percentage Net Loans Charged-off: Home equity loans-0.0171%4,649
All other 1-4 family - Percent of loans charged-off, net0.1323%2,229
Percentage Net Loans Charged-off: Commercial and industrial0.0433%2,194
Percentage Net Loans Charged-off: Loans to individuals1.1521%885
Percentage Net Loans Charged-off: Credit card loans3.0101%233
Percentage Net Loans Charged-off: Other loans to individual0.5033%1,647
Percentage Net Loans Charged-off: All other loans and lease0.2358%736
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%58
2013-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2331%2,042
Percentage Net Loans Charged-off: Total real estate loans0.2357%1,647
Percentage Net Loans Charged-off:Construction & development0.0000%915
Percentage Net Loans Charged-off: Commercial real estate0.7541%545
Percentage Net Loans Charged-off: Multi-family residential0.0000%295
Percentage Net Loans Charged-off: 1-4 family residential0.2005%1,682
Percentage Net Loans Charged-off: Home equity loans-0.0680%4,794
All other 1-4 family - Percent of loans charged-off, net0.2184%1,529
Percentage Net Loans Charged-off: Commercial and industrial0.0891%1,471
Percentage Net Loans Charged-off: Loans to individuals0.5967%1,465
Percentage Net Loans Charged-off: Credit card loans1.6545%374
Percentage Net Loans Charged-off: Other loans to individual0.2368%2,068
Percentage Net Loans Charged-off: All other loans and lease0.3535%541
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%43
2012-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2003%3,775
Percentage Net Loans Charged-off: Total real estate loans0.1553%3,543
Percentage Net Loans Charged-off:Construction & development0.4502%1,833
Percentage Net Loans Charged-off: Commercial real estate0.1250%2,584
Percentage Net Loans Charged-off: Multi-family residential0.7023%522
Percentage Net Loans Charged-off: 1-4 family residential0.1362%3,417
Percentage Net Loans Charged-off: Home equity loans-0.0425%5,011
All other 1-4 family - Percent of loans charged-off, net0.1479%3,178
Percentage Net Loans Charged-off: Commercial and industrial0.3533%2,371
Percentage Net Loans Charged-off: Loans to individuals0.9104%1,503
Percentage Net Loans Charged-off: Credit card loans3.6392%237
Percentage Net Loans Charged-off: Other loans to individual0.0250%4,258
Percentage Net Loans Charged-off: All other loans and lease1.8648%407
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%125
2012-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2245%3,373
Percentage Net Loans Charged-off: Total real estate loans0.1760%3,236
Percentage Net Loans Charged-off:Construction & development0.5878%1,600
Percentage Net Loans Charged-off: Commercial real estate0.1647%2,168
Percentage Net Loans Charged-off: Multi-family residential0.9173%418
Percentage Net Loans Charged-off: 1-4 family residential0.1460%3,089
Percentage Net Loans Charged-off: Home equity loans-0.0049%4,969
All other 1-4 family - Percent of loans charged-off, net0.1558%2,894
Percentage Net Loans Charged-off: Commercial and industrial0.4514%1,936
Percentage Net Loans Charged-off: Loans to individuals0.9013%1,408
Percentage Net Loans Charged-off: Credit card loans3.6766%232
Percentage Net Loans Charged-off: Other loans to individual0.0132%3,980
Percentage Net Loans Charged-off: All other loans and lease1.7743%374
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%111
2012-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2641%2,999
Percentage Net Loans Charged-off: Total real estate loans0.2155%2,854
Percentage Net Loans Charged-off:Construction & development0.9043%1,322
Percentage Net Loans Charged-off: Commercial real estate0.2480%1,692
Percentage Net Loans Charged-off: Multi-family residential1.3556%305
Percentage Net Loans Charged-off: 1-4 family residential0.1622%2,796
Percentage Net Loans Charged-off: Home equity loans0.0643%1,266
All other 1-4 family - Percent of loans charged-off, net0.1688%2,616
Percentage Net Loans Charged-off: Commercial and industrial0.3532%1,951
Percentage Net Loans Charged-off: Loans to individuals0.9933%1,258
Percentage Net Loans Charged-off: Credit card loans4.0703%210
Percentage Net Loans Charged-off: Other loans to individual0.0226%3,545
Percentage Net Loans Charged-off: All other loans and lease2.8630%258
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%96
2012-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3094%2,420
Percentage Net Loans Charged-off: Total real estate loans0.2399%2,348
Percentage Net Loans Charged-off:Construction & development0.0000%1,402
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,722
Percentage Net Loans Charged-off: Multi-family residential2.6589%176
Percentage Net Loans Charged-off: 1-4 family residential0.1999%2,190
Percentage Net Loans Charged-off: Home equity loans0.0295%973
All other 1-4 family - Percent of loans charged-off, net0.2119%2,013
Percentage Net Loans Charged-off: Commercial and industrial0.6711%1,138
Percentage Net Loans Charged-off: Loans to individuals1.2956%917
Percentage Net Loans Charged-off: Credit card loans5.3939%138
Percentage Net Loans Charged-off: Other loans to individual0.0281%2,819
Percentage Net Loans Charged-off: All other loans and lease2.5942%240
Percentage Net Loans Charged-off:Coml. RE not secured by RE0.0000%67
2011-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3779%3,523
Percentage Net Loans Charged-off: Total real estate loans0.3383%3,226
Percentage Net Loans Charged-off:Construction & development0.1156%2,767
Percentage Net Loans Charged-off: Commercial real estate0.4517%2,082
Percentage Net Loans Charged-off: Multi-family residential1.7755%483
Percentage Net Loans Charged-off: 1-4 family residential0.2928%2,963
Percentage Net Loans Charged-off: Home equity loans-0.0478%5,277
All other 1-4 family - Percent of loans charged-off, net0.3181%2,750
Percentage Net Loans Charged-off: Commercial and industrial0.4087%2,918
Percentage Net Loans Charged-off: Loans to individuals1.8785%848
Percentage Net Loans Charged-off: Credit card loans2.9031%389
Percentage Net Loans Charged-off: Other loans to individual1.6276%850
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,720
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3110%3,542
Percentage Net Loans Charged-off: Total real estate loans0.2802%3,202
Percentage Net Loans Charged-off:Construction & development0.1567%2,449
Percentage Net Loans Charged-off: Commercial real estate0.3582%1,934
Percentage Net Loans Charged-off: Multi-family residential2.4451%359
Percentage Net Loans Charged-off: 1-4 family residential0.2171%3,050
Percentage Net Loans Charged-off: Home equity loans-0.0971%5,316
All other 1-4 family - Percent of loans charged-off, net0.2406%2,787
Percentage Net Loans Charged-off: Commercial and industrial0.4275%2,521
Percentage Net Loans Charged-off: Loans to individuals1.1686%1,322
Percentage Net Loans Charged-off: Credit card loans2.4199%432
Percentage Net Loans Charged-off: Other loans to individual0.8950%1,437
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,562
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2803%3,485
Percentage Net Loans Charged-off: Total real estate loans0.2424%3,150
Percentage Net Loans Charged-off:Construction & development-0.0041%6,360
Percentage Net Loans Charged-off: Commercial real estate-0.0010%6,719
Percentage Net Loans Charged-off: Multi-family residential3.1011%268
Percentage Net Loans Charged-off: 1-4 family residential0.1992%2,897
Percentage Net Loans Charged-off: Home equity loans-0.0704%5,314
All other 1-4 family - Percent of loans charged-off, net0.2194%2,663
Percentage Net Loans Charged-off: Commercial and industrial0.5005%2,175
Percentage Net Loans Charged-off: Loans to individuals1.0315%1,446
Percentage Net Loans Charged-off: Credit card loans2.3762%423
Percentage Net Loans Charged-off: Other loans to individual0.7640%1,546
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,354
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2011-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4154%2,444
Percentage Net Loans Charged-off: Total real estate loans0.3672%2,204
Percentage Net Loans Charged-off:Construction & development-0.0079%6,386
Percentage Net Loans Charged-off: Commercial real estate-0.0010%6,759
Percentage Net Loans Charged-off: Multi-family residential6.3543%122
Percentage Net Loans Charged-off: 1-4 family residential0.2596%2,080
Percentage Net Loans Charged-off: Home equity loans-0.0519%5,304
All other 1-4 family - Percent of loans charged-off, net0.2832%1,881
Percentage Net Loans Charged-off: Commercial and industrial0.9988%1,256
Percentage Net Loans Charged-off: Loans to individuals0.5778%1,950
Percentage Net Loans Charged-off: Credit card loans1.7067%463
Percentage Net Loans Charged-off: Other loans to individual0.3873%2,019
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,005
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3046%4,491
Percentage Net Loans Charged-off: Total real estate loans0.2116%4,145
Percentage Net Loans Charged-off:Construction & development0.0806%3,269
Percentage Net Loans Charged-off: Commercial real estate0.3377%2,418
Percentage Net Loans Charged-off: Multi-family residential0.5106%847
Percentage Net Loans Charged-off: 1-4 family residential0.1940%3,509
Percentage Net Loans Charged-off: Home equity loans0.0202%1,915
All other 1-4 family - Percent of loans charged-off, net0.2082%3,317
Percentage Net Loans Charged-off: Commercial and industrial0.7701%2,852
Percentage Net Loans Charged-off: Loans to individuals1.3744%1,622
Percentage Net Loans Charged-off: Credit card loans3.7347%426
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3506%3,900
Percentage Net Loans Charged-off: Total real estate loans0.2422%3,665
Percentage Net Loans Charged-off:Construction & development-0.0411%6,927
Percentage Net Loans Charged-off: Commercial real estate0.3324%2,090
Percentage Net Loans Charged-off: Multi-family residential0.2259%780
Percentage Net Loans Charged-off: 1-4 family residential0.2420%2,943
Percentage Net Loans Charged-off: Home equity loans-0.0027%5,499
All other 1-4 family - Percent of loans charged-off, net0.2624%2,752
Percentage Net Loans Charged-off: Commercial and industrial1.0230%2,203
Percentage Net Loans Charged-off: Loans to individuals1.3129%1,569
Percentage Net Loans Charged-off: Credit card loans3.5019%446
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,786
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3314%3,667
Percentage Net Loans Charged-off: Total real estate loans0.2068%3,503
Percentage Net Loans Charged-off:Construction & development-0.0563%6,956
Percentage Net Loans Charged-off: Commercial real estate0.2649%1,890
Percentage Net Loans Charged-off: Multi-family residential0.0000%710
Percentage Net Loans Charged-off: 1-4 family residential0.2146%2,731
Percentage Net Loans Charged-off: Home equity loans0.0198%1,396
All other 1-4 family - Percent of loans charged-off, net0.2309%2,546
Percentage Net Loans Charged-off: Commercial and industrial1.0902%1,931
Percentage Net Loans Charged-off: Loans to individuals1.3113%1,496
Percentage Net Loans Charged-off: Credit card loans3.8019%412
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,540
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2010-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.3267%3,103
Percentage Net Loans Charged-off: Total real estate loans0.1926%2,938
Percentage Net Loans Charged-off:Construction & development-0.0037%6,913
Percentage Net Loans Charged-off: Commercial real estate0.0023%1,875
Percentage Net Loans Charged-off: Multi-family residential0.0000%457
Percentage Net Loans Charged-off: 1-4 family residential0.2253%2,198
Percentage Net Loans Charged-off: Home equity loans0.0816%933
All other 1-4 family - Percent of loans charged-off, net0.2374%2,048
Percentage Net Loans Charged-off: Commercial and industrial2.1088%1,022
Percentage Net Loans Charged-off: Loans to individuals0.2538%3,195
Percentage Net Loans Charged-off: Credit card loans2.6431%489
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,171
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2377%5,137
Percentage Net Loans Charged-off: Total real estate loans0.2127%4,056
Percentage Net Loans Charged-off:Construction & development1.2103%2,447
Percentage Net Loans Charged-off: Commercial real estate0.1111%2,816
Percentage Net Loans Charged-off: Multi-family residential0.0000%922
Percentage Net Loans Charged-off: 1-4 family residential0.1938%3,290
Percentage Net Loans Charged-off: Home equity loans0.0868%1,782
All other 1-4 family - Percent of loans charged-off, net0.2017%3,100
Percentage Net Loans Charged-off: Commercial and industrial0.3143%4,176
Percentage Net Loans Charged-off: Loans to individuals0.4661%4,186
Percentage Net Loans Charged-off: Credit card loans2.9143%652
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%2,150
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2087%4,729
Percentage Net Loans Charged-off: Total real estate loans0.1704%3,790
Percentage Net Loans Charged-off:Construction & development1.6292%1,879
Percentage Net Loans Charged-off: Commercial real estate0.0734%2,439
Percentage Net Loans Charged-off: Multi-family residential0.0000%708
Percentage Net Loans Charged-off: 1-4 family residential0.1346%3,257
Percentage Net Loans Charged-off: Home equity loans0.0617%1,547
All other 1-4 family - Percent of loans charged-off, net0.1398%3,034
Percentage Net Loans Charged-off: Commercial and industrial0.4608%3,228
Percentage Net Loans Charged-off: Loans to individuals0.4414%3,919
Percentage Net Loans Charged-off: Credit card loans2.8679%610
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,898
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1943%4,324
Percentage Net Loans Charged-off: Total real estate loans0.1472%3,451
Percentage Net Loans Charged-off:Construction & development2.2781%1,356
Percentage Net Loans Charged-off: Commercial real estate0.1207%1,764
Percentage Net Loans Charged-off: Multi-family residential0.0000%531
Percentage Net Loans Charged-off: 1-4 family residential0.0818%3,134
Percentage Net Loans Charged-off: Home equity loans0.1044%1,188
All other 1-4 family - Percent of loans charged-off, net0.0802%2,938
Percentage Net Loans Charged-off: Commercial and industrial0.6713%2,384
Percentage Net Loans Charged-off: Loans to individuals0.3387%3,972
Percentage Net Loans Charged-off: Credit card loans3.8832%471
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,633
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2009-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2669%3,065
Percentage Net Loans Charged-off: Total real estate loans0.2022%2,394
Percentage Net Loans Charged-off:Construction & development4.6215%600
Percentage Net Loans Charged-off: Commercial real estate0.3311%798
Percentage Net Loans Charged-off: Multi-family residential0.0000%309
Percentage Net Loans Charged-off: 1-4 family residential0.0494%2,466
Percentage Net Loans Charged-off: Home equity loans-0.0021%5,804
All other 1-4 family - Percent of loans charged-off, net0.0528%2,249
Percentage Net Loans Charged-off: Commercial and industrial1.1627%1,330
Percentage Net Loans Charged-off: Loans to individuals0.2847%3,466
Percentage Net Loans Charged-off: Credit card loans3.8092%445
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,234
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1838%4,361
Percentage Net Loans Charged-off: Total real estate loans0.1443%3,273
Percentage Net Loans Charged-off:Construction & development0.4603%2,045
Percentage Net Loans Charged-off: Commercial real estate0.0830%1,836
Percentage Net Loans Charged-off: Multi-family residential0.6637%326
Percentage Net Loans Charged-off: 1-4 family residential0.1323%2,591
Percentage Net Loans Charged-off: Home equity loans0.0117%1,382
All other 1-4 family - Percent of loans charged-off, net0.1384%2,397
Percentage Net Loans Charged-off: Commercial and industrial0.6799%2,302
Percentage Net Loans Charged-off: Loans to individuals0.2445%4,794
Percentage Net Loans Charged-off: Credit card loans2.2786%643
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,901
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1647%3,649
Percentage Net Loans Charged-off: Total real estate loans0.1307%2,655
Percentage Net Loans Charged-off:Construction & development0.2748%1,684
Percentage Net Loans Charged-off: Commercial real estate-0.0239%7,859
Percentage Net Loans Charged-off: Multi-family residential0.8688%192
Percentage Net Loans Charged-off: 1-4 family residential0.1269%2,140
Percentage Net Loans Charged-off: Home equity loans0.0136%1,092
All other 1-4 family - Percent of loans charged-off, net0.1324%1,968
Percentage Net Loans Charged-off: Commercial and industrial0.4431%2,152
Percentage Net Loans Charged-off: Loans to individuals0.3188%3,915
Percentage Net Loans Charged-off: Credit card loans2.9097%473
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,634
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1558%3,176
Percentage Net Loans Charged-off: Total real estate loans0.1255%2,154
Percentage Net Loans Charged-off:Construction & development0.4395%1,051
Percentage Net Loans Charged-off: Commercial real estate-0.0397%7,954
Percentage Net Loans Charged-off: Multi-family residential-0.0286%6,179
Percentage Net Loans Charged-off: 1-4 family residential0.1329%1,738
Percentage Net Loans Charged-off: Home equity loans-0.0695%5,998
All other 1-4 family - Percent of loans charged-off, net0.1423%1,565
Percentage Net Loans Charged-off: Commercial and industrial0.5040%1,622
Percentage Net Loans Charged-off: Loans to individuals0.2376%3,859
Percentage Net Loans Charged-off: Credit card loans3.1877%406
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2008-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.2012%2,147
Percentage Net Loans Charged-off: Total real estate loans0.1045%1,663
Percentage Net Loans Charged-off:Construction & development0.8537%482
Percentage Net Loans Charged-off: Commercial real estate-0.0929%8,076
Percentage Net Loans Charged-off: Multi-family residential-0.0596%6,119
Percentage Net Loans Charged-off: 1-4 family residential0.1035%1,370
Percentage Net Loans Charged-off: Home equity loans-0.1090%5,976
All other 1-4 family - Percent of loans charged-off, net0.1131%1,225
Percentage Net Loans Charged-off: Commercial and industrial1.4023%640
Percentage Net Loans Charged-off: Loans to individuals0.3850%2,786
Percentage Net Loans Charged-off: Credit card loans1.7420%546
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,048
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0877%4,167
Percentage Net Loans Charged-off: Total real estate loans0.0388%3,052
Percentage Net Loans Charged-off:Construction & development0.0000%1,563
Percentage Net Loans Charged-off: Commercial real estate0.0368%1,352
Percentage Net Loans Charged-off: Multi-family residential0.0000%289
Percentage Net Loans Charged-off: 1-4 family residential0.0404%2,593
Percentage Net Loans Charged-off: Home equity loans0.0662%789
All other 1-4 family - Percent of loans charged-off, net0.0393%2,431
Percentage Net Loans Charged-off: Commercial and industrial0.7200%1,508
Percentage Net Loans Charged-off: Loans to individuals0.1820%4,683
Percentage Net Loans Charged-off: Credit card loans1.7484%669
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,751
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0473%4,251
Percentage Net Loans Charged-off: Total real estate loans0.0376%2,302
Percentage Net Loans Charged-off:Construction & development0.0000%1,085
Percentage Net Loans Charged-off: Commercial real estate0.0825%759
Percentage Net Loans Charged-off: Multi-family residential0.0000%199
Percentage Net Loans Charged-off: 1-4 family residential0.0361%2,072
Percentage Net Loans Charged-off: Home equity loans-0.0348%5,999
All other 1-4 family - Percent of loans charged-off, net0.0391%1,883
Percentage Net Loans Charged-off: Commercial and industrial0.0397%2,978
Percentage Net Loans Charged-off: Loans to individuals0.2111%4,031
Percentage Net Loans Charged-off: Credit card loans1.7194%627
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,521
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0305%4,181
Percentage Net Loans Charged-off: Total real estate loans0.0237%2,103
Percentage Net Loans Charged-off:Construction & development0.0000%770
Percentage Net Loans Charged-off: Commercial real estate0.0296%731
Percentage Net Loans Charged-off: Multi-family residential0.0000%143
Percentage Net Loans Charged-off: 1-4 family residential0.0243%1,815
Percentage Net Loans Charged-off: Home equity loans0.0149%516
All other 1-4 family - Percent of loans charged-off, net0.0247%1,666
Percentage Net Loans Charged-off: Commercial and industrial0.0252%2,572
Percentage Net Loans Charged-off: Loans to individuals0.1460%3,945
Percentage Net Loans Charged-off: Credit card loans1.1410%709
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,336
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2007-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0193%3,759
Percentage Net Loans Charged-off: Total real estate loans0.0155%1,618
Percentage Net Loans Charged-off:Construction & development0.0000%444
Percentage Net Loans Charged-off: Commercial real estate-0.0861%8,174
Percentage Net Loans Charged-off: Multi-family residential0.0000%76
Percentage Net Loans Charged-off: 1-4 family residential0.0227%1,291
Percentage Net Loans Charged-off: Home equity loans-0.0328%5,980
All other 1-4 family - Percent of loans charged-off, net0.0251%1,158
Percentage Net Loans Charged-off: Commercial and industrial-0.0708%7,234
Percentage Net Loans Charged-off: Loans to individuals0.1537%3,259
Percentage Net Loans Charged-off: Credit card loans-0.7645%1,829
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%964
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1004%3,231
Percentage Net Loans Charged-off: Total real estate loans0.0789%1,551
Percentage Net Loans Charged-off:Construction & development0.0000%832
Percentage Net Loans Charged-off: Commercial real estate0.6794%240
Percentage Net Loans Charged-off: Multi-family residential0.1835%126
Percentage Net Loans Charged-off: 1-4 family residential0.0423%2,069
Percentage Net Loans Charged-off: Home equity loans0.0720%520
All other 1-4 family - Percent of loans charged-off, net0.0409%1,979
Percentage Net Loans Charged-off: Commercial and industrial0.2149%2,404
Percentage Net Loans Charged-off: Loans to individuals0.3338%3,714
Percentage Net Loans Charged-off: Credit card loans2.6263%440
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,606
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0864%2,966
Percentage Net Loans Charged-off: Total real estate loans0.0699%1,345
Percentage Net Loans Charged-off:Construction & development0.0000%620
Percentage Net Loans Charged-off: Commercial real estate0.6730%188
Percentage Net Loans Charged-off: Multi-family residential0.2431%86
Percentage Net Loans Charged-off: 1-4 family residential0.0321%1,871
Percentage Net Loans Charged-off: Home equity loans0.0749%396
All other 1-4 family - Percent of loans charged-off, net0.0301%1,777
Percentage Net Loans Charged-off: Commercial and industrial0.0600%2,643
Percentage Net Loans Charged-off: Loans to individuals0.3899%3,007
Percentage Net Loans Charged-off: Credit card loans2.9124%368
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,412
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0510%3,429
Percentage Net Loans Charged-off: Total real estate loans0.0204%1,905
Percentage Net Loans Charged-off:Construction & development0.0000%466
Percentage Net Loans Charged-off: Commercial real estate0.0000%815
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0224%1,688
Percentage Net Loans Charged-off: Home equity loans0.0000%426
All other 1-4 family - Percent of loans charged-off, net0.0235%1,573
Percentage Net Loans Charged-off: Commercial and industrial0.1026%2,047
Percentage Net Loans Charged-off: Loans to individuals0.4934%2,375
Percentage Net Loans Charged-off: Credit card loans4.6131%211
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,212
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2006-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0527%2,778
Percentage Net Loans Charged-off: Total real estate loans0.0080%1,505
Percentage Net Loans Charged-off:Construction & development0.0000%268
Percentage Net Loans Charged-off: Commercial real estate0.0000%498
Percentage Net Loans Charged-off: Multi-family residential0.0000%51
Percentage Net Loans Charged-off: 1-4 family residential0.0088%1,283
Percentage Net Loans Charged-off: Home equity loans0.1729%170
All other 1-4 family - Percent of loans charged-off, net0.0013%1,237
Percentage Net Loans Charged-off: Commercial and industrial0.0863%1,436
Percentage Net Loans Charged-off: Loans to individuals0.6357%1,857
Percentage Net Loans Charged-off: Credit card loans6.5457%152
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%911
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0425%4,955
Percentage Net Loans Charged-off: Total real estate loans0.0043%3,336
Percentage Net Loans Charged-off:Construction & development-0.2927%7,894
Percentage Net Loans Charged-off: Commercial real estate-0.0064%7,994
Percentage Net Loans Charged-off: Multi-family residential-0.0530%6,354
Percentage Net Loans Charged-off: 1-4 family residential0.0118%2,743
Percentage Net Loans Charged-off: Home equity loans-0.0039%5,972
All other 1-4 family - Percent of loans charged-off, net0.0125%2,552
Percentage Net Loans Charged-off: Commercial and industrial0.2678%2,533
Percentage Net Loans Charged-off: Loans to individuals0.6241%3,017
Percentage Net Loans Charged-off: Credit card loans4.0218%367
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,616
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0519%4,152
Percentage Net Loans Charged-off: Total real estate loans0.0129%2,549
Percentage Net Loans Charged-off:Construction & development0.0084%499
Percentage Net Loans Charged-off: Commercial real estate-0.0086%8,009
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0145%2,314
Percentage Net Loans Charged-off: Home equity loans0.0216%504
All other 1-4 family - Percent of loans charged-off, net0.0141%2,169
Percentage Net Loans Charged-off: Commercial and industrial0.2132%2,291
Percentage Net Loans Charged-off: Loans to individuals0.8823%1,876
Percentage Net Loans Charged-off: Credit card loans2.9407%523
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,405
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0711%3,417
Percentage Net Loans Charged-off: Total real estate loans0.0236%1,929
Percentage Net Loans Charged-off:Construction & development0.0129%387
Percentage Net Loans Charged-off: Commercial real estate-0.0128%8,089
Percentage Net Loans Charged-off: Multi-family residential0.0000%111
Percentage Net Loans Charged-off: 1-4 family residential0.0264%1,761
Percentage Net Loans Charged-off: Home equity loans0.0585%342
All other 1-4 family - Percent of loans charged-off, net0.0248%1,669
Percentage Net Loans Charged-off: Commercial and industrial0.2549%1,843
Percentage Net Loans Charged-off: Loans to individuals1.3106%1,134
Percentage Net Loans Charged-off: Credit card loans2.8545%516
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,156
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2005-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0576%3,090
Percentage Net Loans Charged-off: Total real estate loans-0.0004%7,573
Percentage Net Loans Charged-off:Construction & development0.0257%208
Percentage Net Loans Charged-off: Commercial real estate-0.0255%8,299
Percentage Net Loans Charged-off: Multi-family residential0.0000%61
Percentage Net Loans Charged-off: 1-4 family residential0.0006%1,536
Percentage Net Loans Charged-off: Home equity loans-0.0157%5,916
All other 1-4 family - Percent of loans charged-off, net0.0014%1,391
Percentage Net Loans Charged-off: Commercial and industrial0.5344%985
Percentage Net Loans Charged-off: Loans to individuals1.0438%1,451
Percentage Net Loans Charged-off: Credit card loans2.3562%534
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%839
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0754%4,677
Percentage Net Loans Charged-off: Total real estate loans0.0490%2,323
Percentage Net Loans Charged-off:Construction & development-0.0448%7,906
Percentage Net Loans Charged-off: Commercial real estate0.5481%407
Percentage Net Loans Charged-off: Multi-family residential0.0000%197
Percentage Net Loans Charged-off: 1-4 family residential0.0219%2,687
Percentage Net Loans Charged-off: Home equity loans0.0760%443
All other 1-4 family - Percent of loans charged-off, net0.0194%2,615
Percentage Net Loans Charged-off: Commercial and industrial0.1571%3,296
Percentage Net Loans Charged-off: Loans to individuals0.4646%3,988
Percentage Net Loans Charged-off: Credit card loans2.0145%952
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,643
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0729%4,150
Percentage Net Loans Charged-off: Total real estate loans0.0483%1,975
Percentage Net Loans Charged-off:Construction & development-0.0604%7,920
Percentage Net Loans Charged-off: Commercial real estate0.7400%250
Percentage Net Loans Charged-off: Multi-family residential0.0000%155
Percentage Net Loans Charged-off: 1-4 family residential0.0103%2,522
Percentage Net Loans Charged-off: Home equity loans0.1061%326
All other 1-4 family - Percent of loans charged-off, net0.0060%2,474
Percentage Net Loans Charged-off: Commercial and industrial0.1308%2,861
Percentage Net Loans Charged-off: Loans to individuals0.4168%3,795
Percentage Net Loans Charged-off: Credit card loans1.5859%1,043
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,414
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0493%4,416
Percentage Net Loans Charged-off: Total real estate loans0.0240%2,160
Percentage Net Loans Charged-off:Construction & development-0.0903%7,908
Percentage Net Loans Charged-off: Commercial real estate0.2952%416
Percentage Net Loans Charged-off: Multi-family residential0.0000%116
Percentage Net Loans Charged-off: 1-4 family residential0.0105%2,105
Percentage Net Loans Charged-off: Home equity loans0.0477%355
All other 1-4 family - Percent of loans charged-off, net0.0088%2,001
Percentage Net Loans Charged-off: Commercial and industrial0.0969%2,587
Percentage Net Loans Charged-off: Loans to individuals0.3505%3,839
Percentage Net Loans Charged-off: Credit card loans1.0235%1,148
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,207
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2004-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0221%4,382
Percentage Net Loans Charged-off: Total real estate loans0.0060%1,868
Percentage Net Loans Charged-off:Construction & development-0.1800%7,911
Percentage Net Loans Charged-off: Commercial real estate-0.2089%8,698
Percentage Net Loans Charged-off: Multi-family residential0.0000%70
Percentage Net Loans Charged-off: 1-4 family residential0.0226%1,397
Percentage Net Loans Charged-off: Home equity loans0.0922%217
All other 1-4 family - Percent of loans charged-off, net0.0196%1,329
Percentage Net Loans Charged-off: Commercial and industrial0.0926%1,858
Percentage Net Loans Charged-off: Loans to individuals0.1387%4,243
Percentage Net Loans Charged-off: Credit card loans0.3393%1,077
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%887
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0546%5,784
Percentage Net Loans Charged-off: Total real estate loans-0.0338%8,568
Percentage Net Loans Charged-off:Construction & development-0.1149%8,054
Percentage Net Loans Charged-off: Commercial real estate-0.8321%8,829
Percentage Net Loans Charged-off: Multi-family residential0.2065%117
Percentage Net Loans Charged-off: 1-4 family residential0.0212%2,887
Percentage Net Loans Charged-off: Home equity loans0.2396%268
All other 1-4 family - Percent of loans charged-off, net0.0106%2,987
Percentage Net Loans Charged-off: Commercial and industrial0.8114%1,969
Percentage Net Loans Charged-off: Loans to individuals0.2589%5,537
Percentage Net Loans Charged-off: Credit card loans1.3874%1,396
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,856
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-09-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0946%4,424
Percentage Net Loans Charged-off: Total real estate loans0.0170%2,838
Percentage Net Loans Charged-off:Construction & development0.0000%663
Percentage Net Loans Charged-off: Commercial real estate0.0000%1,273
Percentage Net Loans Charged-off: Multi-family residential0.0000%138
Percentage Net Loans Charged-off: 1-4 family residential0.0191%2,442
Percentage Net Loans Charged-off: Home equity loans0.2148%228
All other 1-4 family - Percent of loans charged-off, net0.0094%2,547
Percentage Net Loans Charged-off: Commercial and industrial0.8511%1,590
Percentage Net Loans Charged-off: Loans to individuals0.2330%5,240
Percentage Net Loans Charged-off: Credit card loans1.6093%1,241
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,617
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-06-30Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1167%3,720
Percentage Net Loans Charged-off: Total real estate loans0.0175%2,402
Percentage Net Loans Charged-off:Construction & development0.0000%523
Percentage Net Loans Charged-off: Commercial real estate0.0000%978
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0196%2,049
Percentage Net Loans Charged-off: Home equity loans0.1270%252
All other 1-4 family - Percent of loans charged-off, net0.0143%2,049
Percentage Net Loans Charged-off: Commercial and industrial1.0594%1,266
Percentage Net Loans Charged-off: Loans to individuals0.3159%4,346
Percentage Net Loans Charged-off: Credit card loans1.3530%1,242
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,407
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2003-03-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1806%2,491
Percentage Net Loans Charged-off: Total real estate loans0.0116%1,850
Percentage Net Loans Charged-off:Construction & development0.0000%326
Percentage Net Loans Charged-off: Commercial real estate0.0000%618
Percentage Net Loans Charged-off: Multi-family residential0.0000%56
Percentage Net Loans Charged-off: 1-4 family residential0.0130%1,518
Percentage Net Loans Charged-off: Home equity loans-0.0033%5,852
All other 1-4 family - Percent of loans charged-off, net0.0138%1,422
Percentage Net Loans Charged-off: Commercial and industrial2.2138%546
Percentage Net Loans Charged-off: Loans to individuals0.2685%3,991
Percentage Net Loans Charged-off: Credit card loans1.3026%1,030
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%993
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2002-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1464%4,368
Percentage Net Loans Charged-off: Total real estate loans0.1197%1,633
Percentage Net Loans Charged-off:Construction & development0.2876%440
Percentage Net Loans Charged-off: Commercial real estate0.6846%390
Percentage Net Loans Charged-off: Multi-family residential0.0000%189
Percentage Net Loans Charged-off: 1-4 family residential0.0661%2,089
Percentage Net Loans Charged-off: Home equity loans0.0372%523
All other 1-4 family - Percent of loans charged-off, net0.0678%1,997
Percentage Net Loans Charged-off: Commercial and industrial0.0223%4,758
Percentage Net Loans Charged-off: Loans to individuals0.4312%4,644
Percentage Net Loans Charged-off: Credit card loans1.8820%1,314
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,956
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2001-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1792%3,881
Percentage Net Loans Charged-off: Total real estate loans0.1126%1,530
Percentage Net Loans Charged-off:Construction & development0.0000%831
Percentage Net Loans Charged-off: Commercial real estate1.1111%239
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential0.0197%2,690
Percentage Net Loans Charged-off: Home equity loans-0.0436%5,987
All other 1-4 family - Percent of loans charged-off, net0.0234%2,487
Percentage Net Loans Charged-off: Commercial and industrial0.1342%3,983
Percentage Net Loans Charged-off: Loans to individuals0.6385%3,519
Percentage Net Loans Charged-off: Credit card loans0.9355%1,755
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%1,876
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
2000-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1197%4,280
Percentage Net Loans Charged-off: Total real estate loans0.0178%667
Percentage Net Loans Charged-off:Construction & development0.0000%266
Percentage Net Loans Charged-off: Commercial real estate0.1213%151
Percentage Net Loans Charged-off: Multi-family residential0.0000%100
Percentage Net Loans Charged-off: 1-4 family residential0.0071%798
Percentage Net Loans Charged-off: Home equity loans0.0800%238
All other 1-4 family - Percent of loans charged-off, net0.0023%811
Percentage Net Loans Charged-off: Commercial and industrial0.0533%938
Percentage Net Loans Charged-off: Loans to individuals0.7573%555
Percentage Net Loans Charged-off: Credit card loans0.6419%856
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%385
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1999-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0954%4,932
Percentage Net Loans Charged-off: Total real estate loans0.0454%475
Percentage Net Loans Charged-off:Construction & development0.0000%250
Percentage Net Loans Charged-off: Commercial real estate0.5370%43
Percentage Net Loans Charged-off: Multi-family residential0.0000%120
Percentage Net Loans Charged-off: 1-4 family residential-0.0141%1,403
Percentage Net Loans Charged-off: Home equity loans0.0000%369
All other 1-4 family - Percent of loans charged-off, net-0.0152%1,410
Percentage Net Loans Charged-off: Commercial and industrial0.0517%883
Percentage Net Loans Charged-off: Loans to individuals0.4160%877
Percentage Net Loans Charged-off: Credit card loans1.3302%706
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%415
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1998-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0949%5,245
Percentage Net Loans Charged-off: Total real estate loans0.0219%684
Percentage Net Loans Charged-off:Construction & development0.0000%229
Percentage Net Loans Charged-off: Commercial real estate-0.0011%1,128
Percentage Net Loans Charged-off: Multi-family residential0.0000%151
Percentage Net Loans Charged-off: 1-4 family residential0.0269%633
Percentage Net Loans Charged-off: Home equity loans0.1015%230
All other 1-4 family - Percent of loans charged-off, net0.0198%633
Percentage Net Loans Charged-off: Commercial and industrial0.2426%565
Percentage Net Loans Charged-off: Loans to individuals0.3924%940
Percentage Net Loans Charged-off: Credit card loans1.3926%735
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%409
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1997-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.0485%6,786
Percentage Net Loans Charged-off: Total real estate loans-0.0117%1,275
Percentage Net Loans Charged-off:Construction & development0.0000%260
Percentage Net Loans Charged-off: Commercial real estate-0.0440%1,240
Percentage Net Loans Charged-off: Multi-family residential0.0000%192
Percentage Net Loans Charged-off: 1-4 family residential-0.0072%1,309
Percentage Net Loans Charged-off: Home equity loans0.1109%249
All other 1-4 family - Percent of loans charged-off, net-0.0198%1,366
Percentage Net Loans Charged-off: Commercial and industrial0.0736%747
Percentage Net Loans Charged-off: Loans to individuals0.3837%995
Percentage Net Loans Charged-off: Credit card loans1.3451%803
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%386
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1996-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1221%5,319
Percentage Net Loans Charged-off: Total real estate loans0.0523%598
Percentage Net Loans Charged-off:Construction & development0.0000%284
Percentage Net Loans Charged-off: Commercial real estate-0.0601%1,300
Percentage Net Loans Charged-off: Multi-family residential0.0000%233
Percentage Net Loans Charged-off: 1-4 family residential0.0759%455
Percentage Net Loans Charged-off: Home equity loans-0.0883%1,325
All other 1-4 family - Percent of loans charged-off, net0.0978%365
Percentage Net Loans Charged-off: Commercial and industrial0.0963%715
Percentage Net Loans Charged-off: Loans to individuals0.5716%838
Percentage Net Loans Charged-off: Credit card loans1.8529%682
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and lease0.0000%444
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1995-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1308%4,980
Percentage Net Loans Charged-off: Total real estate loans0.0800%563
Percentage Net Loans Charged-off:Construction & development0.5761%134
Percentage Net Loans Charged-off: Commercial real estate0.1518%422
Percentage Net Loans Charged-off: Multi-family residential0.2477%198
Percentage Net Loans Charged-off: 1-4 family residential0.0389%603
Percentage Net Loans Charged-off: Home equity loans0.0176%362
All other 1-4 family - Percent of loans charged-off, net0.0426%559
Percentage Net Loans Charged-off: Commercial and industrial0.1504%574
Percentage Net Loans Charged-off: Loans to individuals0.4401%827
Percentage Net Loans Charged-off: Credit card loans1.0347%806
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1994-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.1646%4,564
Percentage Net Loans Charged-off: Total real estate loans0.1360%500
Percentage Net Loans Charged-off:Construction & development0.0000%353
Percentage Net Loans Charged-off: Commercial real estate0.2478%389
Percentage Net Loans Charged-off: Multi-family residential0.6048%181
Percentage Net Loans Charged-off: 1-4 family residential0.0921%444
Percentage Net Loans Charged-off: Home equity loans0.0101%376
All other 1-4 family - Percent of loans charged-off, net0.1047%406
Percentage Net Loans Charged-off: Commercial and industrial-0.0941%1,118
Percentage Net Loans Charged-off: Loans to individuals0.5779%556
Percentage Net Loans Charged-off: Credit card loans1.5580%553
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1993-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.5414%2,559
Percentage Net Loans Charged-off: Total real estate loans0.5582%306
Percentage Net Loans Charged-off:Construction & development-0.1277%1,362
Percentage Net Loans Charged-off: Commercial real estate3.7767%80
Percentage Net Loans Charged-off: Multi-family residential0.0000%368
Percentage Net Loans Charged-off: 1-4 family residential0.0017%1,098
Percentage Net Loans Charged-off: Home equity loans0.0144%436
All other 1-4 family - Percent of loans charged-off, net0.0000%1,053
Percentage Net Loans Charged-off: Commercial and industrial0.0476%878
Percentage Net Loans Charged-off: Loans to individuals0.9002%444
Percentage Net Loans Charged-off: Credit card loans2.0961%468
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA
1992-12-31Rank
Percent of loans charged-off, net
Net charge-offs to loans0.4184%4,915
Percentage Net Loans Charged-off: Total real estate loans0.3744%560
Percentage Net Loans Charged-off:Construction & development0.0000%639
Percentage Net Loans Charged-off: Commercial real estate2.1544%207
Percentage Net Loans Charged-off: Multi-family residential0.0905%380
Percentage Net Loans Charged-off: 1-4 family residential-0.0002%1,434
Percentage Net Loans Charged-off: Home equity loans0.0367%424
All other 1-4 family - Percent of loans charged-off, net-0.0052%1,465
Percentage Net Loans Charged-off: Commercial and industrial0.2758%925
Percentage Net Loans Charged-off: Loans to individuals0.8696%654
Percentage Net Loans Charged-off: Credit card loans1.6771%701
Percentage Net Loans Charged-off: Other loans to individualNANA
Percentage Net Loans Charged-off: All other loans and leaseNANA
Percentage Net Loans Charged-off:Coml. RE not secured by RENANA