Home > First-Knox National Bank > Net charge- offs to loans
First-Knox National Bank, Net charge- offs to loans
| 2008-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4241% | 1,588 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.4501% | 997 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,702 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.8758% | 296 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 250 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3175% | 1,090 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0178% | 871 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3689% | 912 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2378% | 2,208 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5299% | 2,784 |
| Percentage Net Loans Charged-off: Credit card loans | 2.6730% | 484 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0277% | 6,821 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2008-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.5412% | 971 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.6392% | 531 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 1,119 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.7504% | 116 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 134 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2092% | 1,028 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 563 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2455% | 878 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.0516% | 7,125 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6716% | 2,067 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3057% | 467 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0278% | 1,005 |
| 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 | 0.3169% | 1,742 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3058% | 938 |
| Percentage Net Loans Charged-off:Construction & development | 0.5230% | 657 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1736% | 858 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 289 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.3728% | 727 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3931% | 385 |
| All other 1-4 family - Percent of loans charged-off, net | 0.3692% | 728 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3724% | 2,187 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4523% | 3,268 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7156% | 674 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.4804% | 7,360 |
| 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 | 0.2246% | 1,781 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2017% | 904 |
| Percentage Net Loans Charged-off:Construction & development | 0.5508% | 373 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0833% | 757 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 199 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2458% | 786 |
| Percentage Net Loans Charged-off: Home equity loans | 0.4238% | 267 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2146% | 824 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3300% | 1,824 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3918% | 3,138 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1348% | 537 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.7912% | 7,406 |
| 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 | 0.2166% | 1,605 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2153% | 701 |
| Percentage Net Loans Charged-off:Construction & development | 0.4132% | 298 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1318% | 488 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 143 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2677% | 648 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5915% | 170 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2116% | 711 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4228% | 1,362 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3215% | 3,064 |
| Percentage Net Loans Charged-off: Credit card loans | 2.4194% | 449 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -1.3893% | 7,443 |
| 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 | 0.2657% | 1,124 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3361% | 377 |
| Percentage Net Loans Charged-off:Construction & development | 0.8116% | 125 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1246% | 312 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 76 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.4471% | 342 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5107% | 141 |
| All other 1-4 family - Percent of loans charged-off, net | 0.4361% | 332 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1115% | 1,489 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5187% | 2,097 |
| Percentage Net Loans Charged-off: Credit card loans | 3.7527% | 298 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -2.4591% | 7,430 |
| 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 | 0.1089% | 3,090 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0298% | 8,144 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 832 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1702% | 8,262 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 200 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0857% | 1,551 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0444% | 576 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0935% | 1,424 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2749% | 2,188 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5165% | 2,809 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7053% | 1,036 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0070% | 1,579 |
| 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 | 0.0529% | 3,672 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0860% | 8,372 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 620 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0986% | 8,236 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 150 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0219% | 8,055 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0583% | 424 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0372% | 8,113 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3656% | 1,533 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3375% | 3,257 |
| Percentage Net Loans Charged-off: Credit card loans | 0.4883% | 1,002 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0651% | 1,197 |
| 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 | 0.0546% | 3,322 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1131% | 8,411 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 466 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1507% | 8,312 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1094% | 8,359 |
| Percentage Net Loans Charged-off: Home equity loans | -0.0230% | 5,988 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1262% | 8,354 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.5446% | 1,105 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3205% | 3,071 |
| Percentage Net Loans Charged-off: Credit card loans | 0.6457% | 863 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0993% | 980 |
| 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 | -0.0086% | 6,813 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.1886% | 8,507 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 268 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.2910% | 8,385 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 51 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.1628% | 8,430 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 311 |
| All other 1-4 family - Percent of loans charged-off, net | -0.1947% | 8,424 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2710% | 1,092 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4406% | 2,326 |
| Percentage Net Loans Charged-off: Credit card loans | 0.5212% | 781 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1458% | 729 |
| 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 | 0.1426% | 2,988 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0103% | 7,933 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 694 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0789% | 8,282 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 187 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0215% | 2,525 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1761% | 306 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0092% | 7,979 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6240% | 1,640 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4205% | 3,931 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9957% | 831 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0542% | 7,161 |
| 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 | 0.0655% | 3,822 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0380% | 8,249 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 541 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.1015% | 8,336 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | -0.0115% | 7,987 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1043% | 345 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0346% | 8,195 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3469% | 1,870 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2903% | 4,113 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5436% | 875 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1063% | 7,337 |
| 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 | 0.1150% | 2,674 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0037% | 2,432 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 425 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0963% | 8,337 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 111 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0524% | 1,479 |
| Percentage Net Loans Charged-off: Home equity loans | 0.2555% | 182 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0116% | 1,832 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6919% | 1,161 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.1422% | 4,516 |
| Percentage Net Loans Charged-off: Credit card loans | 1.8873% | 716 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1061% | 951 |
| 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 | 0.1936% | 1,623 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1703% | 580 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 235 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3786% | 197 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 61 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0877% | 936 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3496% | 122 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0351% | 1,126 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1919% | 1,445 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.3382% | 3,082 |
| Percentage Net Loans Charged-off: Credit card loans | 1.1545% | 746 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.1382% | 7,352 |
| 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 | 0.4266% | 1,334 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2108% | 884 |
| Percentage Net Loans Charged-off:Construction & development | -0.5759% | 8,002 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.3235% | 578 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 197 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.2132% | 916 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1019% | 406 |
| All other 1-4 family - Percent of loans charged-off, net | 0.2352% | 840 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.8346% | 1,543 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0136% | 2,019 |
| Percentage Net Loans Charged-off: Credit card loans | 2.3384% | 854 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1007% | 1,307 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3540% | 1,405 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2790% | 581 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 604 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.7656% | 247 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 155 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0844% | 1,497 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0929% | 351 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0827% | 1,464 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3093% | 2,230 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7377% | 2,553 |
| Percentage Net Loans Charged-off: Credit card loans | 2.2165% | 834 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0359% | 7,187 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3617% | 1,299 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.3964% | 388 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 464 |
| Percentage Net Loans Charged-off: Commercial real estate | 1.1011% | 172 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 116 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1158% | 1,130 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0795% | 307 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1230% | 1,056 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1846% | 7,795 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6702% | 2,652 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4249% | 1,029 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0104% | 7,081 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2004-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0454% | 3,814 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,955 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 286 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 553 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 70 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,591 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 291 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 1,471 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.1096% | 7,594 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2703% | 3,684 |
| Percentage Net Loans Charged-off: Credit card loans | 0.7237% | 1,008 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.2028% | 670 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4215% | 1,763 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0763% | 2,123 |
| Percentage Net Loans Charged-off:Construction & development | -1.0928% | 8,135 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1391% | 971 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 186 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1225% | 1,600 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3861% | 187 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0718% | 2,015 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0671% | 1,595 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1491% | 1,986 |
| Percentage Net Loans Charged-off: Credit card loans | 0.8584% | 1,572 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.7055% | 850 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-09-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4621% | 1,390 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0749% | 1,799 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 663 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.0524% | 8,645 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 138 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1195% | 1,325 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6196% | 100 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0237% | 2,265 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.4170% | 1,072 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1075% | 1,925 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4478% | 1,292 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.8077% | 705 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-06-30 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2842% | 2,132 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0760% | 1,568 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 523 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0851% | 733 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0553% | 1,622 |
| Percentage Net Loans Charged-off: Home equity loans | 0.6192% | 108 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0525% | 8,679 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.3903% | 2,209 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.7402% | 2,724 |
| Percentage Net Loans Charged-off: Credit card loans | 1.5554% | 1,159 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9445% | 586 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2003-03-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2490% | 2,018 |
| Percentage Net Loans Charged-off: Total real estate loans | -0.0230% | 8,570 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 326 |
| Percentage Net Loans Charged-off: Commercial real estate | -0.3805% | 8,893 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 56 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0656% | 1,169 |
| Percentage Net Loans Charged-off: Home equity loans | 0.5670% | 89 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0293% | 8,628 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.2620% | 8,179 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.0776% | 1,854 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3406% | 1,017 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.5637% | 361 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2002-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4598% | 1,797 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.1097% | 1,716 |
| Percentage Net Loans Charged-off:Construction & development | 1.1850% | 201 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1122% | 1,047 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 189 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0532% | 2,249 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1718% | 328 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0322% | 2,514 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.6059% | 2,579 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3328% | 1,636 |
| Percentage Net Loans Charged-off: Credit card loans | 1.3470% | 1,530 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.0383% | 686 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2001-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.4640% | 1,761 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.2526% | 779 |
| Percentage Net Loans Charged-off:Construction & development | 0.3584% | 368 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.4678% | 453 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 192 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.1889% | 982 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1513% | 351 |
| All other 1-4 family - Percent of loans charged-off, net | 0.1950% | 937 |
| Percentage Net Loans Charged-off: Commercial and industrial | -0.3231% | 8,740 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.3798% | 1,448 |
| Percentage Net Loans Charged-off: Credit card loans | 2.1299% | 1,215 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.9390% | 716 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 2000-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2889% | 2,322 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0140% | 715 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 266 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 426 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 100 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0199% | 644 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0536% | 271 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0144% | 651 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.1310% | 792 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1080% | 363 |
| Percentage Net Loans Charged-off: Credit card loans | 1.9081% | 520 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.6233% | 138 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1999-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2819% | 2,427 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0236% | 662 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 250 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0129% | 364 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 120 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0296% | 660 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1517% | 174 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0104% | 803 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.4988% | 388 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.9372% | 476 |
| Percentage Net Loans Charged-off: Credit card loans | 2.7463% | 390 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.4777% | 163 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1998-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3020% | 2,451 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0287% | 609 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 229 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.1078% | 246 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 151 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0127% | 765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.3181% | 108 |
| All other 1-4 family - Percent of loans charged-off, net | -0.0290% | 1,377 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.7177% | 252 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1265% | 422 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4529% | 724 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0637% | 341 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1997-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.3915% | 2,064 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0997% | 345 |
| 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 | 0.1384% | 242 |
| Percentage Net Loans Charged-off: Home equity loans | 1.3515% | 35 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 952 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.6037% | 95 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.6232% | 790 |
| Percentage Net Loans Charged-off: Credit card loans | 1.7715% | 717 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | -0.0058% | 1,166 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1996-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1224% | 5,310 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,050 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 284 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 559 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 233 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0000% | 1,048 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 412 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 995 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2977% | 466 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.5241% | 888 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4528% | 778 |
| 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 | NA | NA |
| 1995-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.0738% | 6,297 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0000% | 1,049 |
| 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 | 0.0000% | 1,034 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 403 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0000% | 989 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.2564% | 462 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.2310% | 1,092 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2397% | 747 |
| 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 | NA | NA |
| 1994-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.1266% | 5,189 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0071% | 1,010 |
| 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 | 0.0101% | 907 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 393 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0113% | 847 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.0098% | 743 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4539% | 678 |
| Percentage Net Loans Charged-off: Credit card loans | 1.2905% | 633 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 1.1165% | 66 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |
| 1993-12-31 | Rank | |
| Percent of loans charged-off, net | ||
| Net charge-offs to loans | 0.2836% | 4,373 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0367% | 970 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 485 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 834 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 368 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0530% | 676 |
| Percentage Net Loans Charged-off: Home equity loans | 0.0000% | 462 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0603% | 611 |
| Percentage Net Loans Charged-off: Commercial and industrial | 1.0280% | 379 |
| Percentage Net Loans Charged-off: Loans to individuals | 0.4870% | 760 |
| Percentage Net Loans Charged-off: Credit card loans | 0.9427% | 795 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.0178% | 397 |
| 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 | 0.4296% | 4,802 |
| Percentage Net Loans Charged-off: Total real estate loans | 0.0394% | 1,124 |
| Percentage Net Loans Charged-off:Construction & development | 0.0000% | 639 |
| Percentage Net Loans Charged-off: Commercial real estate | 0.0000% | 967 |
| Percentage Net Loans Charged-off: Multi-family residential | 0.0000% | 418 |
| Percentage Net Loans Charged-off: 1-4 family residential | 0.0563% | 765 |
| Percentage Net Loans Charged-off: Home equity loans | 0.1489% | 280 |
| All other 1-4 family - Percent of loans charged-off, net | 0.0414% | 793 |
| Percentage Net Loans Charged-off: Commercial and industrial | 0.9446% | 603 |
| Percentage Net Loans Charged-off: Loans to individuals | 1.1074% | 509 |
| Percentage Net Loans Charged-off: Credit card loans | 1.4842% | 756 |
| Percentage Net Loans Charged-off: Other loans to individual | NA | NA |
| Percentage Net Loans Charged-off: All other loans and lease | 0.1210% | 354 |
| Percentage Net Loans Charged-off:Coml. RE not secured by RE | NA | NA |