Home > First Charter Bank > Net charge- offs to loans
First Charter Bank, Net charge- offs to loans
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2395% | 1,924 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0330% | 2,278 |
| Percentage Net Loans Charged-off:Construction & development | 0.0383% | 1,046 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0239% | 7,961 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0636% | 1,558 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1426% | 474 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0184% | 1,659 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0106% | 6,771 |
| Percentage Net Loans Charged-off: Loans to individuals | 15.4206% | 41 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3548% | 1,565 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0747% | 2,454 |
| Percentage Net Loans Charged-off:Construction & development | 0.0338% | 1,408 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2095% | 783 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0442% | 2,528 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1193% | 676 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0014% | 3,090 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1086% | 7,539 |
| Percentage Net Loans Charged-off: Loans to individuals | 19.3273% | 13 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,751 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2176% | 1,837 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0343% | 2,355 |
| Percentage Net Loans Charged-off:Construction & development | 0.0166% | 1,013 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0842% | 756 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0266% | 2,208 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0779% | 576 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0028% | 7,586 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1368% | 7,511 |
| Percentage Net Loans Charged-off: Loans to individuals | 12.6858% | 24 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,521 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0377% | 3,972 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0221% | 2,129 |
| Percentage Net Loans Charged-off:Construction & development | 0.0063% | 757 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0413% | 681 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0299% | 1,739 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0938% | 417 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0070% | 7,700 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0269% | 2,561 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9416% | 1,387 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,336 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2007-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0543% | 2,876 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0149% | 1,626 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 444 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0064% | 514 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0370% | 1,199 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1234% | 290 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0132% | 7,818 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2067% | 1,276 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3292% | 941 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 964 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1065% | 3,123 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0702% | 1,667 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1237% | 718 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1011% | 1,428 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2402% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0130% | 2,431 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0362% | 3,396 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8737% | 614 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,606 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1145% | 2,473 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0719% | 1,319 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1091% | 588 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1104% | 1,099 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2569% | 203 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0167% | 1,979 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1012% | 2,404 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8768% | 539 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,412 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1063% | 2,394 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0777% | 1,131 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1143% | 474 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1188% | 950 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2945% | 158 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0057% | 1,810 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0745% | 7,241 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7620% | 608 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,212 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2006-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0990% | 2,113 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0708% | 880 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0525% | 386 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1310% | 674 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3256% | 126 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0059% | 1,200 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1434% | 7,491 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8339% | 672 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 911 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2692% | 1,749 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1182% | 1,138 |
| Percentage Net Loans Charged-off:Construction & development | 0.0011% | 691 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3553% | 407 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0788% | 1,638 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1683% | 315 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0182% | 2,447 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.2203% | 959 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2758% | 524 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,616 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2254% | 1,762 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1269% | 954 |
| Percentage Net Loans Charged-off:Construction & development | 0.0015% | 533 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3528% | 335 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0939% | 1,287 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2170% | 225 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0096% | 2,256 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6411% | 1,343 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9519% | 622 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,405 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1959% | 1,865 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1122% | 954 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3127% | 332 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0798% | 1,239 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1776% | 229 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0116% | 1,833 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3252% | 1,692 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.0882% | 565 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,156 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2005-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2000% | 1,590 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1418% | 669 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4058% | 191 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0897% | 929 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1724% | 181 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0299% | 1,156 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1438% | 1,536 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7666% | 794 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 839 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2785% | 2,066 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1855% | 1,003 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 758 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5181% | 422 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1029% | 1,560 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2307% | 271 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 3,066 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2767% | 2,816 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1086% | 688 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0129% | 7,088 |
| 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 | 0.2714% | 1,804 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1997% | 788 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.5594% | 313 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1064% | 1,312 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2416% | 218 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0002% | 7,833 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0007% | 3,623 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.1440% | 635 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0198% | 7,111 |
| 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 | 0.3468% | 1,352 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2801% | 550 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7867% | 223 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1459% | 983 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3212% | 154 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0107% | 1,966 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1108% | 7,588 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.4310% | 555 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 1,207 |
| 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 | 0.4078% | 1,097 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2983% | 460 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7888% | 154 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1821% | 708 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3940% | 107 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0217% | 1,316 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4784% | 1,215 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2191% | 738 |
| Percentage Net Loans Charged-off: Credit card loans | NA | NA |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 887 |
| 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 | 0.3833% | 1,951 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1284% | 1,576 |
| Percentage Net Loans Charged-off:Construction & development | -0.0076% | 7,950 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3485% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0534% | 2,310 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1951% | 304 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0359% | 8,566 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4739% | 1,228 |
| Percentage Net Loans Charged-off: Loans to individuals | 2.2922% | 678 |
| Percentage Net Loans Charged-off: Credit card loans | 2.8383% | 908 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.7338% | 7,876 |
| 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 | 0.3971% | 1,637 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1083% | 1,462 |
| Percentage Net Loans Charged-off:Construction & development | -0.0113% | 7,956 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.2391% | 621 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0744% | 1,683 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2063% | 235 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0049% | 8,238 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9350% | 774 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9811% | 796 |
| Percentage Net Loans Charged-off: Credit card loans | 3.1889% | 770 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.0279% | 7,928 |
| 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 | 0.3996% | 1,551 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0690% | 1,636 |
| Percentage Net Loans Charged-off:Construction & development | -0.0308% | 7,966 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1445% | 632 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0569% | 1,605 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1678% | 225 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0065% | 8,302 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.4541% | 625 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6235% | 1,132 |
| Percentage Net Loans Charged-off: Credit card loans | 4.0402% | 593 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.5613% | 7,954 |
| 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 | 0.4044% | 1,362 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0618% | 1,327 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1438% | 412 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0308% | 1,363 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1034% | 203 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0087% | 8,418 |
| Percentage Net Loans Charged-off: Commercial and industrial | 2.6867% | 464 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3713% | 1,428 |
| Percentage Net Loans Charged-off: Credit card loans | 5.8152% | 378 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -3.3299% | 7,975 |
| 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 | 0.2959% | 2,754 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0243% | 3,169 |
| Percentage Net Loans Charged-off:Construction & development | 0.0504% | 738 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,573 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0318% | 2,619 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0078% | 595 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0431% | 2,325 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4969% | 1,380 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8488% | 1,000 |
| Percentage Net Loans Charged-off: Credit card loans | 4.3677% | 613 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.7900% | 8,095 |
| 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 | 0.3308% | 2,443 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0268% | 2,901 |
| Percentage Net Loans Charged-off:Construction & development | 0.0153% | 778 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 1,436 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0504% | 2,098 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 610 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0679% | 1,787 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.9056% | 1,036 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9090% | 872 |
| Percentage Net Loans Charged-off: Credit card loans | 4.1306% | 585 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.2657% | 8,175 |
| 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 | 0.1955% | 3,209 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0472% | 436 |
| Percentage Net Loans Charged-off:Construction & development | 0.1022% | 137 |
| 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 | 0.0520% | 418 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 364 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0631% | 343 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9337% | 262 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.2168% | 331 |
| Percentage Net Loans Charged-off: Credit card loans | 3.0521% | 308 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 385 |
| 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 | 0.0843% | 5,181 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0056% | 907 |
| Percentage Net Loans Charged-off:Construction & development | 0.0151% | 210 |
| 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 | 0.0042% | 934 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 369 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0046% | 882 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2402% | 623 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.7463% | 221 |
| Percentage Net Loans Charged-off: Credit card loans | 4.5612% | 173 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 415 |
| 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 | 0.3244% | 2,299 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0873% | 325 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 457 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1998% | 140 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6401% | 58 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 883 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5290% | 323 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.9312% | 219 |
| Percentage Net Loans Charged-off: Credit card loans | 2.5674% | 490 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 409 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 24 |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2901% | 2,848 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0111% | 830 |
| 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 | 0.0225% | 742 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 396 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0301% | 632 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4147% | 388 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.6060% | 310 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7735% | 507 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 386 |
| 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 | 0.2491% | 3,467 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0183% | 806 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0406% | 591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0523% | 498 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3038% | 459 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.8892% | 238 |
| Percentage Net Loans Charged-off: Credit card loans | 3.3689% | 354 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 444 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 34 |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2914% | 2,909 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0497% | 675 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 344 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 615 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 281 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1177% | 327 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1542% | 269 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0366% | 180 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.8264% | 472 |
| Percentage Net Loans Charged-off: Credit card loans | 2.0632% | 511 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 433 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 48 |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1922% | 4,114 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0476% | 749 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 353 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 668 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 332 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1195% | 376 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1646% | 287 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5045% | 340 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5909% | 542 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5984% | 542 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0000% | 371 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | 0.0000% | 53 |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2592% | 4,667 |
| 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 | 0.0152% | 10,771 |
| 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 |